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The Black Real Estate Investors Mastermind Group (+ The Multifamily Masterplan Course)
Join the Weekly Deal Room Call - Sundays at 8pm EST
How to access the Weekly Deal Room Call
The Hot Seat - Sign Up To Be Coached By Jullien In The Weekly Deal Room Call
The 2024 Generational Wealth Conference MLK Weekend - January 11th-14th
Get Started - Orientation
Important Note
Welcome to the Multifamily Movement Course (17:59)
New Member Survey
Join Our Mighty Networks Community Group
Buddy Pass
Customer Support
Save $1089 OFF The Total Cost of The Program
Download The Multifamily Movement Workbook (or Get A Printed Copy for $10)
Market Meetups: Find People In Your Market (3:54)
FREE Gift for Closing On Your First Deal
Frequently Asked Questions
Learn More About How to Get Private Coaching & Schedule Your Call Here
WEEK 0: Pre-Course Challenge #1: Getting Your Financial House In Order
Calculate Your Net Worth At The Moment (3:40)
Calculate Your Monthly Cash Flow (8:10)
Setup Your Bank Accounts For Optimal Savings & Wealth Generation (28:04)
Week 0: Pre-course Challenge #2
How to Set Up Your Zillow and Trulia Automatic Searches (5:06)
Part 1: Try to Analyze A Deal On Your Own & See How You Do (2:08)
Part 2: Now Watch How I Analyze A Deal & See the Difference (27:16)
Week 1: Mindset: Understanding the Multifamily Mindset
THE GOAL = Rent And/Or Mortgage Freedom: Keeping 1st Things 1st (8:04)
The Above Ground Railroad: Identifying Your Unique Path To Rent & Mortgage Freedom
Why Multifamily Real Estate Is the Best Investment of All Time (5:45)
How One $300K Deal Will Lead To $1.2M Guaranteed & The 4 Primary Benefits Of Multifamily Real Estate (4:15)
The Income Shifting Strategy Behind Multifamily Real Estate (5:05)
Busting the Biggest Real Estate Myths (12:30)
Getting Over the Five Reasons Most People Don't Invest In Multifamily Real Estate (5:18)
Good Debt Vs. Bad Debt: How To Use One To Pay The Other (11:15)
Key Vocabulary & Equations to Secure the Keys (14:38)
WEEK 1 Movement: Financing Folder Challenge - GOAL = increase speed of pre-approval
How to Look Like Lenders Want You To (19:44)
Financing Folder: Bank Files (11:30)
Financing Folder: Deal Files (17:40)
Financing Folder: Owner Files (3:51)
Week 2 Mindset: FHA & NACA Debunked: The Good & The Bad
HUD's 3.5% Downpayment FHA Program (21:20)
NACA's 0% Downpayment Program (52:16)
State-based Downpayment Assistance Programs
Legacy Home Loans (For Atlanta, Baltimore, Chicago, Detroit, Memphis, and Philadelphia)
Week 2 Movement: Lender Shopping Challenge - GOAL = increase quality of loan terms
Discovering Potential Lenders (8:07)
Lender 1: Interview
Lender 2: Interview
Lender 3: Interview
Week 3 MIndset: Approval & Affordability
Why You Should Go Big Or Go Home On Your First Deal (6:21)
How Much Can I Really Afford? (12:06)
17 Different Financing Options To Consider (6:28)
Week 3 Movement: Pre-Approval Challenge - GOAL = lower your interest rate saving $10,000s
How To Compare Offers By Lenders Beyond Just Interest Rate & Closing Costs For New Purchases & Refis (44:51)
Make Your Lender's Compete On Interest (8:07)
Apply To Naca.com (34:53)
How to reach out to a lender. (94:01)
Connect with our National Lending Partner (151:24)
Other Lenders: Melissa Foy and Ismail Afariogun
Apply to www.LimaOne.com (5:35)
Week 4 Mindset: Finding A Market & Agent
How To Find A Great Market To Invest In From A Distance Or Move To + Top 18 Markets (19:13)
How To Find & Interview Real Estate Agents (43:00)
Agent Interview Example: Lori in New Orleans Interview (38:14)
Agent Interview Example: Jay Taylor in Detroit (31:26)
Week 4 Movement: Real Estate Agent Challenge - GOAL = increase quality of deals you see
Create Your Search Criteria Statement
Agent Alignment #1 In-Person Interview
Agent Alignment #2 In-Person Interview
Agent Alignment #3 In-Person Interview
Agent Alignment #4 In-Person Interview
Recommended Real Estate Agents by City & State
Recommend A Real Estate Agent You Trust To The Community
Week 5 MIndset: Finding Your Target Market
How To Find Great Deals: The Scarcity vs. Abundance Mindset (12:14)
How To Find A Market To Live & Invest In From A Distance (ready) (19:13)
30+ Signs Of Gentrification & How NOT To Miss Them & Neighborhood Knowledge #1 Worksheet (25:13)
All The Ways To Find Off-Market Deals: Relationships & Research (15:23)
Week 5 Movement: Neighborhood Knowledge Challenge #1 - Your Neighborhood - GOAL = increase number of
Neighborhood Knowledge #1 Worksheet: : How To Think Like A Tourist (3:26)
How To Find Hidden Value When Evaluating A Property (10:22)
How To Skip Trace Owners & Get Their Phone Numbers (Especially For Abandoned Properties) (5:30)
Week 6 Mindset: How To Analyze A Deal In 10 Minutes Or Less Using The Purchase Or Pass Deal Analyzer
SECTION 1 & 2: Investment & Loan Terms (3:04)
SECTION 3: Inspections & Renovations (7:34)
SECTION 4: Property Taxes (4:04)
SECTION 5 & 6: Revenues and Operating Expenses (7:59)
SECTION 7: Financing & PMI (3:13)
SECTION 8 & 9: Cashflow & Cash-On-Cash Return (2:41)
SECTION 10 & 11: Deal Analysis (7:31)
SECTION 13, 14, & 15: Affordability Calculator (1:50)
SHEET 2: The Value of Rent Freedom (1:31)
SHEET 3: Amortization Schedule (3:53)
SHEET 4: Net Worth Change (5:26)
SHEET 5: Single Family Home Cash-Out Refinance Calculator (6:12)
13 Reasons You Should Not Buy Even If The Deal Analyzer Says Purchase (19:10)
Week 6 Movement: Deal A Day Challenge #1 - GOAL = increase speed & quality of offers
Start Using The Purchase Or Pass Deal Analyzer Online (Or Download The Spreadsheet) (9:47)
Deal Analysis #1
Deal Analysis #2
Deal Analysis #3
Deal Analysis #4
Deal Analysis #5
Week 7 Mindset: How To Find & Manage Your Team
Your 31-Person Real Estate Team: Who You Need, Why, & When (15:33)
Working With Contractors & Sample 3-Part Contract Download (9:25)
Week 7 Movement: Real Estate Team Building Challenge - GOAL = increase speed of property inspection & move-in readiness
Finding Contractors & Building Your Real Estate Rolodex (3:14)
Contractor Questions
Week 8 Mindset: How To Find Deals In A New Neighborhoods In Your City
REWATCH: 30+ Signs Of Gentrification & How NOT To Miss Them (25:13)
The Top 25+ Reasons People Sell That You Need To Look & Listen For To Find Off-Market Deals
Week 8 Movement: Neighborhood Knowledge Challenge #2 - Another Neighborhood In The Same City - GOAL
Neighborhood Knowledge #2 Worksheet (14:10)
Week 9: How To Buy Right & Make A Strong & Speedy Winning Offer
What It Means To Buying Right (7:59)
Sales Psychology & Why The Seller's Asking Price Doesn't Matter (7:43)
Negotiating & Counter Offers (15:31)
The 8 Ways To Exit Any Deal Without Losing Your Good Faith Deposit (11:05)
Don't Be Afraid Of The "As-Is" Clause Like Most Beginning Buyers (6:24)
The 30-60 Day Homebuying Timeline & Closing Calendar (9:31)
Property Inspection & Property Inspection Response (36:18)
Week 9 Movement: Make An Offer Challenge - GOAL = find a great deal & get your offer accepted
101+ Point Purchase Plan Checklist (13:32)
Property Value Assessment Worksheets
FHA or NACA Letter To Send In With Your Offer
Make An Offer Challenge (4:59)
Week 10 Mindset: How & Where To Find The One
How To Find THE ONE: Keep Evaluating Deals (12:15)
Top 15+ Websites To Find More Deals
Week 10 Movement: Deal A Day Challenge #2 - GOAL = increase speed & quality of offers
Deal Analysis #6
Deal Analysis #7
Deal Analysis #8
Deal Analysis #9
Deal Analysis #10
Week 11 Mindset: How To Find A Market From A Distance
How To Find A Market To Live & Invest In From A Distance (19:13)
Analyze A Deal From A Distance: Detroit Example (11:09)
Week 11 Movement: Deal A Day Challenge #3 - GOAL = increase speed & quality of offers
Neighborhood Knowledge #3 Worksheet (16:23)
Week 12 Mindset: Developing The Courage To Make Offers Without Fear
You Have Nothing To Fear: How To Overcome "Offer Fear" (17:49)
A Sneak Peak Into The Closing Room: What It's Like, What To Bring, & What You Need To Know Before You Go (14:10)
Week 12 Movement: Deal A Day Challenge #3 - GOAL = increase speed & quality of offers
Deal Analysis #11
Deal Analysis #12
Deal Analysis #13
Deal Analysis #14
Deal Analysis #15
Special Situations
SINGLE FAMILY HOMEOWNER? 6 Ways To Escape If You Did & 5 Ways To Use FHA Twice (11:11)
MY MARKET IS TOO EXPENSIVE: How to get the extra mile & find deals (15:54)
MARRIED OR NOT? Wait! Don't Get Married Or File Taxes Together Yet. Double Your Wealth By Doing This First (4:50)
STUDENT LOAN DEBT: I Want To Pay Off My Student Loans 1st: Why You Should Never Pay Off Your Student Loans First. Do This Instead. (6:50)
BANKRUPTCY OR FORECLOSURE: How long do I have to wait to get another mortgage?
DOWNLOAD: 50-50 Shared Property Ownership & Partnership Operating Agreement
1031 EXCHANGE: The hack to use a 1031 exchange when selling your primary residence & save $10,000s on taxes (14:51)
THE B.R.R.R.R. METHOD: How To Purchase With NO TO LOW MONEY IN (22:38)
VETERAN? Here's what you need to know...
DO YOU HAVE KIDS? How to leverage FHA through family
FUEL IT: How I Scaled From 1 To 10 Properties In 6 Years On The Side
Jullien's Journey Overview (12:01)
How To Scale Your Portfolio: Using 1 and 2 to buy 5 and 6 and so on... (7:57)
Brooklyn 3-Family Bought For $937K In 2013 (9:17)
New Orleans 2-Family Bought For $222K In 2017 (15:17)
Oakland 2-Family Bought For $480K In 2017 (50-50 with Best Friend) (14:14)
New Orleans 2-Family Bought For $214K In 2018 (5:27)
New Orleans 2-Family Bought For $125K In 2018 (7:09)
New Orleans 4-Family Bought For $380K In 2019 (9:34)
New Orleans 2-Family Bought For $192K In 2019 (6:55)
New Orleans 2-Family Bought For $300K In 2019 (6:17)
New Orleans 4-Family Bought For $222K In 2019 (5:22)
New Orleans 4-Family Bought For $336K In 2019 (15:38)
2023 Weekly Deal Room Call Recordings
January 08th: Analyzing a Deal in Multiple ways; Equity and Retirement, Using FHA twice (135:29)
January 22nd: Deal Analysis, Tax Strategies, Difficult Seller, AirBnB, HELOC (120:02)
January 29th: Screening Section 8 tenants, Zoning, adjusting Property Taxes, Room Share Business Model, New Construction (110:33)
February 04th: Selling an Inherited House, Investing in Expensive Markets, don't skip steps, FHA 203K Loans (134:02)
February 12th: Comparing Lenders Loan Estimates & FHA 203K (97:06)
February 19th: AirBnB Strategy, Testing Different Business Models, New Multifamily Construction (110:22)
February 26th: Cash for keys, Earnest Money Deposit, Foreclosure on family home, Appraisal Gap Coverage, Retirement Money, FHA 203k, Career Transition (134:55)
March 05th: Mental Real Estate, Knowing your Seller, FHA 203K, AirBnB Analysis, Estate Planning (149:25)
March 12th: FHA 203K Streamlined, Smaller Markets, Certificate of Occupancy (135:56)
March 19th: Selling Condo, Refi or HELOC, Debt Service Coverage Ratio, Elderly Hoarders, Should I Buy Down Points (115:54)
March 26th: Deal Analysis Owner-Occupied Vs. Absentee, Buying From A Distance, FHA or FHA 203K, Buying For Appreciation Vs. Cashflow (159:15)
April 2nd: Probate, Airbnb Analysis, Selling a Lot, Property Inspection Response, Firing an Agent, Bankruptcy Refinance Strategy (122:57)
April 9th: Buy Down Interest Rates or Pay Debt, Zoning, Earnest Money Deposits, Tax Calculations, Cash For Keys (125:39)
April 16th: Rapid Fire Questions and Answers AirBnB, LLCs, should I sell my single family, HELOCs (121:36)
April 23rd: Doing due diligence, every deal has a price, PMI, deal analysis, FHA 203K, negotiating rate locks and extensions (128:00)
April 30th: FHA 203k, Property Inspection Response, doing a "rough" Appraisal, Return of Earnest Money Deposit (142:34)
May 07th: Buying new construction, Selling grandma's house, ADU strategy (113:36)
May 21st: FHA 203K, Should I Sell My Single Family, Section 8 Tenants, Buying From A Distance (151:50)
May 28th: Strategic Renovations, Seller Financing, FHA 203K (92:10)
June 04th: FHA 203K, Low Appraisal, Contract Extensions (66:30)
June 11th: Finding Tenants, Difficult Sellers, Adjusting Taxes, 70% Rehab Rule, BRRRR, HELOC (122:18)
June 25th: ADUs, FHA 203K, Should I AirBnB, Marketing a vacant unity, using a HELOC (162:04)
July 02nd: Vacant Unit in C-class Neighborhood, AirBnB Laws Changing, Deal Analysis (132:17)
July 09th: Offer Strategy, Traveling Nurses Business Model, Estate Sell, Vacant Lot, FHA 203K, VA Loan (119:58)
July 16th: Utility Bill Back, Active Income, Sell my single family (120:01)
July 23rd: Student Housing, Comparing Insurance companies, Utility bill back, Increasing Rents (114:26)
July 30th: Airbnb, Expensive Market, Choosing an agent, Student Housing Model (117:56)
August 06th: Buy a single family or rent, New Construction, Stabilizing a Distressed Property (119:44)
August 13th: ADU, Section 8, Raising Rents, Forcing Appreciation, Getting Tenants From A Distance (119:50)
August 20th: Student housing, AirBnB, Rehab, Business Models, Single Family Strategies (120:11)
August 27th: Bedroom Addition, HELOC, Exiting a deal, Considering a tenant, Buying with an unruly tenant (111:15)
September 3rd: FHA self-sufficiency test, FHA 203K, Raising rent in a tenant-friendly city, ADU development (136:11)
September 10th: Increasing insurance costs, bad tenants, HELOC, BRRRR strategy, basement conversion, long-distance investing (104:17)
September 17th: Increase rent, calculating adjusted property taxes, Maisha & Ryan Success Stories (118:57)
September 24th: Buying from a distance, Deal Analysis, NACA Strategy, Section 8, Finding Taxes On New Construction (115:18)
October 1st: Creating A Home-Based Business, Probate & Inheritance, BRRRR Strategy (110:08)
October 8th: FHA 203k, Construction Management, Raising Rent, Scarcity vs Abundance Mindset (105:11)
October 15th: BRRRR Strategy, Should I Refi?, HELOC, Finding Your Assessor's Website (114:53)
October 22nd: (91:20)
October 29th: Inherited Property, Single Family Strategy, 1031 Exchange, Traveling Nurses Business Model, HELOC as Family Bank, Appreciation Play (115:19)
November 5th; Room rental, quick ARV, FHA 203K, Inherited Property (96:21)
November 12th: Adjusting Property Taxes, Finding hidden value, Seller Psychology, Dual Agents, FHA 203K (112:29)
November 19th: Managing construction, Should I pay my debt down?, Requesting info from a seller (112:00)
November 26th: Adjusting Taxes, Strategic Renovations, Hard Money Loans, New Construction, Deal Analysis (113:23)
December 3rd: Buying for Appreciation, Scaling, Buying my Single Family, Rehab Deal Analysis (99:40)
December 10th: The future of the Multifamily Movement, Strategic Renovations, Finding good tenants (120:18)
December 17th: The Rich And Righteous Way, Finding My Purpose. Should I Sell My Single Family (120:13)
Previous Live Call Recordings 2020-22
August 4th - Weekly Deal Room Call (97:50)
August 6th Orientation Call (85:47)
August 11th - Weekly Deal Room Call (78:49)
August 18th - Weekly Deal Room Call (80:12)
August 25th - Weekly Deal Room Call (63:52)
September 1st - Weekly Deal Room Call (83:17)
September 8th - Weekly Deal Room Call (70:15)
September 15th - Weekly Deal Room Call (70:27)
September 22nd - Weekly Deal Room Call (75:17)
September 29th - Weekly Deal Room Call (78:59)
October 6th - Weekly Deal Room Call (85:08)
October 13th - Weekly Deal Room Call (87:48)
October 20th - Weekly Deal Room Call (77:29)
October 27th - Weekly Deal Room Call (64:59)
November 10th - Weekly Deal Room Call (72:57)
November 17th - Weekly Deal Room Call (65:15)
November 24th - Weekly Deal Room Call (77:07)
December 1st - Weekly Deal Room Call (73:38)
December 8th - Weekly Deal Room Call: Money For Construction, How To Prioritize Renovations, & Borrowing From Parents (80:07)
December 15th - Weekly Deal Room Call: Property Inspections & Single Family Flips (66:27)
December 22nd - Weekly Deal Room Call: Should I Sell My Single Family & How To Raise Rents Ethically (69:15)
December 29th - Weekly Deal Room Call: Zoning, Permits, Asking Pricing, & Lowball Offers (80:56)
January 12th - Weekly Deal Room Call: Refinance or HELOC, Cash Offers, Leveraging My Single Family (79:48)
January 26th - Weekly Deal Room Call: Verifying Rents, Buy My Family Home (87:33)
February 2nd - Weekly Deal Room Call: Screen Tenants, Raising Rents, Using FHA Twice, Hard Money Loans (66:58)
February 9th - HELOC or Refi, Tax Assessment, 1109 Marais Deal (62:06)
February 16th - Finding Agents, Seller Financing, Increasing Rents, 1109 Marais Deal (74:44)
February 23rd - HELOC, Cash Offers, Getting Your 2nd Investment Property, Skip Tracing, 1109 Marais Deal (63:26)
March 1st - Changing Markets, Using FHA Twice, Refinancing, & Contesting Appraisals (67:58)
March 8th - Off-Market Deals, The Path To Your Dream Home, Time Management, Skip Tracing (79:17)
March 15th - Refi or Not, HELOCs, NACA, Real Estate In A Recession, Using A Single Family (72:00)
March 22nd - Coronavirus, Change In Offer Strategy, Ethical Investing, How To Treat Tenants, The 1% Rule, 12% Cash-On-Cash Return (83:30)
March 29th - Coronavirus, What To Ask Your Agent, The 1% Rule, The Impact of Interest, 15 Year or 30 Year Mortgage, Finding Rents (103:37)
March 30th - BONUS CALL with Matthew Garland RE: Financing During The Coronavirus Pandemic (55:34)
April 5th - Ethical Investing, Section 8 Tenant Selection, Aggressive Offers, Why Buy Now, 203K Construction Loans (78:22)
April 12th - Investor Mindset, Diversifying Your Tenants, Investing From A Distance, Investing While Self-Employed (78:08)
April 19th: Should I Sell?, HELOC vs. Refi, Terrence Success Walkthrough, Staying Organized (70:57)
April 26th: Insurance Claims, Owner Occupied, Raising Rents, Screening Tenants, Tax Savings, Appraisal vs. Assessment (87:22)
April 26th: Owner Occupied, Raising Rents, Screening Tenants, Tax Savings, Appraisal vs. Assessment (68:21)
May 3rd: Jetro's Success Story, Insurance Claims, Buying Points, Refinancing A Recent Buy, CapEx vs Repair Expenses (68:50)
May 10th: Duplex & 4-Plex BRRRR Strategy, Refinancing Math, Math For Millionaires. Finding Off-Market Deals, Buying Land (94:03)
May 17th: Refinancing A Single Family, The Deal Funnel, Raising Rents, Finding A Credit Partner, Buying In A Smaller Market (91:49)
May 24th: Offer Psychology, Refinance or HELOC Single Family, Gentrification vs. Colonization, FHA NACA or Conventional (84:32)
May 31st: George Floyd, Getting Your 2nd Investment Property, Buying Points, What To Do If Married, Strategic Renovations, The Deal Not Price, Cash Offers (94:56)
June 7th: How Much Can I Afford, Estimating Appreciation, 4 Types of Insurance, Married Strategies, Self-Employed, Scaling, Caring For Tenants, Renting In An Expensive Market (89:06)
June 14th: Long Distance Deals, Tax Assessments, Utility Bill Back, The Deal Funnel, Home Possible Loan (85:25)
June 21st: Long Distance Deal Analysis, Alan Closing During COVID, Using Parents VA Loan, Deals In Detroit, Easing Into AirBnB, Finding Tenants Fast (91:35)
June 24th: Post-COVID Mortgage Financing Q&A Call with Matthew Garland (90:30)
June 28th: Return on Renovation, Turning Over An Apartment, EIDL Loans, Buying Based On Future Rents, Negotiating Repairs (59:11)
July 5th: Overcoming Fear, If You're Married, Turning Over A Building, Negotiating After Appraisal & Inspection (89:37)
July 12th: Return On Renovations, Reducing Out Of Pocket Money, Seller Concessions, Cash Reserves, Self-Employed (81:08)
July 19th: Verify Verify Verify Everything, Property Taxes, Aligning With Your Partner, Analyzing 3 Deals (78:38)
July 26th: Ethical Investing, Townhomes, Condos, Refinancing Single Family Homes, 15 Year Mortgages (94:01)
August 2nd: A Closing In The Northeast, Section 8 Tenants, Mortgages & Marriage, New Cash Reserves Requirement, 1031 Exchange (81:05)
August 9th: Finding A Great Real Estate Agent, Unemployed, Smaller Secondary Markets, FHA vs NACA vs Conventional (88:14)
August 16th: Refinancing A Single Family Home, Return On Renovations, Finding Off-Market Deals, Student Housing, Investing From A Distance (72:10)
August 23rd: Couple Closing With Wholesaler Story & The Power of Research & Relationships (73:40)
August 30th: How To Compare Lenders & Evaluating A NACA Deal With Renovations & Repairs (97:37)
September 6th: No Eviction Moratorium Strategy, Increasing Rents Based On Inflation, The No-Money-In BRRRR Strategy, Buying New Construction (84:27)
September 13th: 13 Reasons Not To Buy A Deal, Buy Back Baton Rouge Fund, Alayna & Aaron Closing, Karin & Jamel Closing, Subject To Purchase (86:12)
September 20th: Morgan's 4-Plex Closing, If You're Married, 1031 Exchanges, Should I Refi Or Sell, Successfilly Issues, Wealth & Real Estate Weekend
September 27th: Property Inspection Response, Forming Partnerships, Kandace & Jimmie Closed On 3 Triplexes From A Distance (78:03)
October 4th: Estate Planning For Parents, Renter Friendly Market, The Real Return On Real Estate, Cash-On-Cash vs. Internal Rate of Return (IRR) (97:34)
October 11th: Moratorium Offer Strategies, Ethical Investing, Low Section 8 Rents, Editing Pre-Approval Letters Down (82:09)
October 18th: FHA 1 Year Live In Requirement, Contesting Appraisals, Partnerships With Family, HELOC or Sell, Poverty vs. Wealth Consciousness (91:34)
October 25th: Multifamily Financing BONUS CALL with Matthew Garland (64:30)
October 25th: The Deal Grading Scale, New Purchase or Pass Deal Analyzer, Shootings In The Neighborhood, Increasing Low Rents, Javier Johnson Closing (80:59)
November 1st: Carvella Closing, Buying Separately, Finding A Market, Using 401Ks, Buying As An LLC, The 1% Rule (90:33)
November 8th: James closing, Depreciation & Taxes, The Value of Refinancing, How Much To Pay Yourself (101:14)
November 15th: Olevia Closing, HELOC or Refi, Finding New Markets, 1031 Exchanges, FHA or NACA Letter (90:06)
November 22nd: Lamont Closing, Beard Family Closing, & Black Friday Traps (87:38)
November 29th: Fanny & Michaela Closing, Refinancing A Single Family, BRRRR Strategy Using HELOCs, Finding A New Market, When To Sale (99:27)
December 6th: Refinancing Single Family Homes, Strategies For Married Couples, Velveda Los Angeles Closing (85:22)
December 13th: Refinancing Single Family, Utility Bill Back, Raising Rents (82:48)
December 20th: D. Thompson Closing, Firing Real Estate Agents, Dealing Divorce, Wells Fargo, Hazard Insurance, 1031 Exchange, Buying My 2nd Multifamily (76:13)
December 27th: Fleur Family Closing, Don't Rush Into Real Estate, Basement Units, Partnering With Family, Getting Out Of A Lease (102:02)
January 3rd: Ethical Investing, Comparing Two Deals Side-By-Side, Perfect Property vs. Property Perfectly Positioned, Why We Don't Skip Steps, Wait For A Good Deal vs. Rush Into A Bad One
January 10th: Selling Single Family With Equity, Return On Renovations, Retraining Your Eyes & Seeing Patterns (131:11)
January 24th: Cindricka Closing, Don't Skip Steps, Married Couples Strategy, Eviction Moratorium Strategy, 85 Closings, Lowering DTI While Scaling Up (106:15)
January 31st: Refinancing A Single Family, Raising Rents, Nia & Tina Family Closing, Sell It Or Keep It, When To Refinance, Understanding Inflation (116:58)
February 7th: Michele Closing, Time Management, Avoiding Emotional Entanglements With Properties, Multiple Structures, Filing Taxes, Should I Refinance A Rental (104:18)
February 14th: How Much Should I Offer, Should I AirBnB, Should I Sell My Single Family (131:28)
February 21st: Our Mission Statement, We Reached 100 Closings, Foreclosure & Eviction Moratorium, Negotiating Around Bad Tenants, Leveraging VA Loans (91:41)
February 28th: Difficult Sellers & Documentation, Credit Repair Services, Filing Jointly, Construction Loans For Single Family BRRRRs, Buying In Expensive Markets (95:50)
March 7th: Increasing Property Taxes, Almost Every Number Is Negotiable, Selling Single Family Homes, Inheriting Low Rents, No Forcing Deals (125:44)
March 14th: Abundance Mindset, Buying From A Distance, BRRRR Strategy, Offer Strategies, Leveraging Equity, Leading Your Agent (119:24)
March 18th: BONUS SESSION: Multifamily Financing Q&A with Brandy Sams (69:52)
March 21st: Property Taxes, Expensive Markets, As Is Listings, Zoning, Hidden Value & Hidden Costs (103:20)
March 28th: The New Purchase Or Pass Deal Analyzer, Finding A Smaller Market, Transferring Generational Wealth, Keeping Your Single Family Home (105:36)
April 4th: Return on Renovation, Karim Closing, HELOC or Refinance my Single Family, Utility Bill Back, Finding Hidden Value (115:15)
April 11th: Student Housing, Analyzing Pictures, Cash Offer Strategies, New York Deals (109:52)
April 18th: As-Is Purchases, Expensive Markets, Firing Agents, Property Inspection Response, Tax Assessments (101:43)
April 25th: The Deal Funnel, Buying From A Distance, Vetting Section 8 Tenants, Should I Sell My Single Family, How To Scale Up (124:19)
May 2nd: Low Rent & Tenants Behind, As-In Purchase, Buying In An Expensive Market, The Long-Term Game, Converting Spaces, Negotiating, Hard Money Loans (104:59)
May 9th: Sell Or Refinance, NACA, Utility Bill Back, BRRRR Strategy, Buying Out Of State (102:52)
May 16th: May 16th: Seller Psychology, Long Distance Investing, Credit Issues, Missing Deals (112:57)
May 23rd: Real Estate Taxes, No Condos, Buying With Family, Co-Signer (106:32)
May 30th: Selling A Single Family, Long Distance Investing, HELOC vs Refi, Retiring Soon, Boarding Houses, Arbitrage, Cash Purchase, Property Inspection Response (124:05)
June 6th: FHA But No Vacant Units, How To Scale, Long Distance Investing, Pressured Toward Single Family, After Foreclosure, Credit Partners (114:56)
June 13th: 4 Closings, VA Loan Refinancing, Should I Sell Or Rent My Single Family Home, 203K Loans, No Multifamily Homes Near Me (122:41)
June 20th: FHA Student Loan Changes, Closing In Los Angeles, Julius Closing 16 Doors In 1 Year, Return On Renovations, Income Approach Appraisals (100:36)
June 27th: Red Flags When A Property Has Been Sitting, Reverse Engineering Future Property Taxes, Rentometer 25th Percentile, Call A Seller Bluff By Offering Asking When You Know It Will Appraise Lower (100:47)
July 4th: Weekly Deal Room Call (94:30)
July 11th: Generational Wealth Conference, Certified Agents Program, Market Meetups, Feeling Behind, Zena Closing, Evaluated 2 Deals (107:40)
July 18th: 1031 Exchange Leverage As Buyer, Be Encouraged, Larry Closing, Stephen & Saran Closing (99:30)
July 25th: Perseverance, Slumlords vs. Ethical Investors, Increasing Income, Deal Analysis, Should I Sell My Single Family (93:52)
August 1st: Eviction Moratorium Ends, Expensive Markets w/Low Income, Using FHA Twice, Felicia Sherrod Closing From A Distance (123:20)
August 8th: 3 Move-In Options For FHA, Seller Financing, Return On Renovations, Making 2 Offers At Once, Tionna Closing (108:42)
August 15th: Karena On Credit (97:37)
August 22nd: 200 Closings, Taking Over Property From Elders, HELOCs To Buy More, Zoning Conversion, Difficult Seller, As Is Properties, Rushing Into Bad Deals (127:48)
August 29th - Weekly Deal Room Call (Editing in Progress Due To Sensitive Situation. Please check back soon)
September 5th: Dealing With Lenders, AirBnB, 1% Rule, Seller Financing, CPI Rent Increases (98:58)
September 12th: Buying From A Distance, AirBnB, How To Exit A Deal, Difficult Tenants, Comparing Lenders (104:31)
September 19th: New Construction, Zoning, Hidden Value, Retirement Planning, Should I Sell My Single Family, No Multifamilies In My Market, Return On Renovation (100:30)
September 26th: Family Wealth Planning, Buying With Business Credit (108:02)
October 3rd: Investing From A Distance, Hidden Value, Inspections, Return On Renovation, NACA (124:50)
October 10th: Investing In The Hood, The Power of Relationships, Expensive Markets, Verifying Rents (118:35)
October 17th: Legacy Planning, Should I Sell My Single Family, Increasing Rents, Expensive Markets, Big Family, Partnerships (124:34)
October 24th: Package Deals, Dual Agents, Property Taxes, Student Housing (115:37)
October 31st: Rent Increases, New Construction, Zoning, Renting Rooms, Paid Coaching (143:32)
November 7th: Selling A Single Family, Retirement Planning, Leveraging Kids, Buying From A Distance, AirBnB, Zoning (121:59)
November 14th: Single Family AirBnB Play, Scaling Up With BRRRR, Zoning, Mobile Home Parks, HELOC or Cash Out, Property Taxes (145:32)
November 21st: Hidden Value, AirBnB, Off-Market Deals, Getting Spouse On Board, Buying From A Distance, Comparing Lenders (149:40)
November 28th: 203K Loans, Gut Renovations, Forcing Appreciation, Expensive Market (146:15)
December 5th: Refinancing With Family, Expensive Markets, Paying Parents, AirBnB (136:24)
December 12th: Scaling, Retirement Planning, Refinancing Parents Home, Living Trust, Expensive Markets (153:55)
December 19th: Bankruptcy, Mobile Home Park, Sell Or Keep My Single Family, Inspection Report, Buying From A Distance (138:39)
December 26th: Hard Money Loans, Single Family Strategies, Deal Analysis, How To Employ Cash, Alignment With Spouse (147:58)
January 2nd: NACA, Existing Tenant, Getting Your Spouse On Board, Should I Sell My Single FamilyStrategy For Couples (131:24)
January 9th: Offer Strategy, Student Housing, Deeded Properties, Atlanta Deal Analysis, Difficult Seller (202:41)
January 23rd: Focus On Employment, Should I Buy An AirBnB, Should I Sell My Condo, How Much Should I Refi (110:37)
January 30th: Below Market Rents, Getting Spouse On Board, Single Family Strategies, FHA or Conventional, Comparing Lenders (150:50)
February 6th: Single Family Strategies, Negotiating With Sellers (131:45)
February 13th: Beating Out Cash Offers, College Students, Retirement Planning, How To Scale Up Using Kids (155:35)
February 20th: Turn Active Income Into Passive Income, Building Your Real Estate Rolodex, Debt To Income Ratio, Retirement Planning, Renting My Single Family, Buying From A Distance (138:18)
February 27th: Buying Second Multifamily, 3 Plays For Single Family Buyers, Should I Sell My Single Family, BRRRR Analysis, Eviction Process (278:22)
March 6th: As-is Purchases, Passing On Property, New Construction, Leveraging Equity (135:12)
March 13th: Should I Buy For Appreciation, Below Market Rents, Airbnb Strategy, Buying Parents A Home (169:33)
March 20th: Overpriced Property, Sell or Don't Sell Single Family, Monetizing Basements and Attics, Return On Renovation (155:26)
March 27th: Commercial Deal Analysis, Inheriting A Non-paying Tenant, Property Tax Calculation In New York, Sell or Keep A house I inherited, Rent Out My Single Family (161:35)
April 3rd: Time Management, Expensive Market, Multiple Income Streams, Comparing Apartments For Upgrades, 203k Loan, Structural Damage, Property Taxes (133:26)
April 10th: Commercial Deal, VA Loan, Credit Repair, The BRRRR Strategy, Getting My Spouse Onboard (142:50)
April 17th: Offer Strategy, 1031 Exchange, Timing Employment, FHA Self-Sufficiency Test, VA Loan, High Cost Markets (127:43)
April 24th: High Cost Markets, BRRRR Strategy, Interior Design Layout, Investing From A Distance (118:10)
May 1st: Getting To 3000 Closings, Can't Enter Units, Additional Principal Payments, Garage Conversion, HELOC Strategies (117:53)
May 8th: Purchasing As Family, Unsupportive Spouse, Low Pre-Approval, Should I Sale My Single Family, HELOC Equation, Increasing Rents (137:02)
May 15th: FHA 203K Loan, Determining Rents, Strategic Renovations, Adjustable Rate Mortgages, Retirement Planning, Buying Through Kids, Don't Force A Deal (113:18)
May 22nd: Sellers Credit, FHA Self-Sufficiency Test, Garage Conversion, Buying Points, Tax Savings, Quit Claim Deed, HELOC, Arise Loans, Selling Single Family, FHA 203k (197:01)
May 29th: Buyer's Market, Cash Offer, Scaling Strategy, Non-QM Rehab, Should I Sell My Single Family? (115:04)
June 5th: Squatters, NACA, Student Housing, Using Seller's Lender, Using FHA Twice, HELOCs (122:20)
June 12th: Ethical Investing, Raising Rents, FHA 203K, Hidden Value and Hidden Costs, Worker's Comp, Chicago Closing Story (121:30)
June 19th: Rapid Fire Questions & Response (139:43)
June 26th: Sell or Keep My Condo, Airbnb Commercial Zoning, Local Laws, FHA 203k (143:29)
July 3rd: Insurance, Increasing Rents, Section 8 Strategies, Shared Utilities, Borrowing From 401K, 15 vs 30 Year Mortgages, Return On Renovation, Cash For Keys (110:09)
July 10th: Creating New Income Streams, Comparing Lenders, Fixed or Adjustable Interest Rate (113:16)
July 17th: Co-signing, Selling Single Family, HELOC, Land Lease, Below Market Rents (143:27)
July 24th: Deal Analysis, Selling Single Families, Path To Retirement, Refinancing, Exiting A Deal (140:32)
July 31st: Mixed Use Buildings, Buying From A Distance, Single Family Strategies, Monetizing Basements, Traveling Nurses (118:51)
August 7th: Buy A House Not Problems, Increasing Rents, Basement Conversion, Rushing Into Deals, The Power of Perseverance (101:38)
August 14th: Buying Down Interest Rate, Utility Bill Back, Dealing With Rejection, Should I Use This Down Payment Assistance Program? (104:18)
August 21st: Buying From Parents, Buying Out Sibling, Building On Land, Tiny Homes Strategy (120:52)
September 4th: Strategies For Married Couples, Property Management, Citizenship, Selling A Single Family, How To Close Quickly (99:34)
September 11th: nvesting With A Single Family HELOC, Buying Down Your Interest Rate, Airbnb Business Model, Property Inspection Response, What's The Most I Can Pay? (130:31)
September 18th: Return On Renovation, HELOC, BRRRR, Calculating Taxes, FHA 203K, High Cost Markets (109:47)
September 25th: 1% Rule, Sell My Single Family, Pay Off Debt or Invest? (99:16)
October 2nd: Switching Jobs, ADUs, FHA 203K, Zoning Arbitrage, Low Rents, Creative Offer Strategies (211:28)
October 9th: Retirement Planning, Airbnb Analysis, Backing Out Of An Offer, Getting Support (113:28)
October 16th: Changing Jobs, FHA 203k, Investing From A Distance, Increasing Rents, BRRRR Strategy (129:35)
October 23rd: New Electric Meters, NACA or VA, Increasing Rents, Crash Pad Business Model (116:06)
October 30th: Airbnb, Section 8, Employment History, Expensive Market, Deal Analysis, FHA 203k (129:08)
November 7th: Increasing income, selling my single family, FHA 203K, seller financing, conventional loans. (127:55)
November 13th: Buying down Interest Rate, Increasing Income, Adding a Unit, Finding Deals (124:40)
November 20th: Online Mortgage Companies, Property Inspection Response, Pre-Marketing A Unit, Forcing Deals (107:38)
November 27th: FHA 203K, Purpose Shapes Strategy, Paying Yourself, Fixer-uppers (144:35)
December 04th: ADUs, Basement Conversion, FHA 203K, Buying Points, Letter of Explanation (138:41)
December 11th: NACA Construction Loan, Leverage Inherited Equity, Self-Employed Income, Non-QM Loans (114:22)
December 18th: Skipping Steps, Equity in Inherited Property, Building on an Empty Lot (112:10)
December 28th: Buying Or Transferring Property From Elders, Negotiating With Sellers, Growing Business Income (84:42)
2024 Weekly Deal Room Call Recordings
January 7th: Marriage strategy, Guarantor's insurance, Pay raise, Entrepreneurship (106:53)
January 22nd: Using A HELOC, Buying From A Distance, Should I Sell, Increasing My Active Income (119:12)
January 28th: Got Rehab, Finding your Purpose, Sequence to Success, Jack of all Trades (103:03)
February 04, 2024 (117:22)
February 11, 2024 (118:36)
February 18, 2024 (119:03)
February 25, 2024 (120:16)
March 3, 2024 (120:17)
March 10, 2024 (120:00)
March 17, 2024 (120:13)
March 24, 2024 (120:13)
March 31, 2024 (118:57)
April 7, 2024 (125:01)
April 14, 2024 (119:34)
April 21, 2024 (118:36)
May 5, 2024 (107:07)
May 12, 2024 (111:55)
May 19, 2024 (124:12)
May 26, 2024 (119:41)
June 2, 2024 (124:32)
June 9, 2024 (123:40)
June 16, 2024 (123:45)
June 23, 2024 (125:26)
June 30, 2024 (125:26)
July 7, 2024 (125:28)
July 14, 2024 (118:37)
Fill It: How & Where To Quickly Find Quality Tenants That Pay Fairly & On Time
Tenant Types: How To Find The Perfect Person-To-Property Match (13:25)
Sample Tenant Screening Application (8:17)
How To Attract Tenants Quickly With Guerilla Marketing (14:39)
How To Host An Open House Real Time (6:58)
Section 8: The Step-By-Step Process (7:45)
Websites To List Your Apartments
The Takeover Tally: What To Do Before Giving The Tenant The Keys (4:33)
Sample Lease Agreement
Cash For Keys Agreement
Property Management 101
How To Increase Your Monthly Revenues: Visible & Invisible Value (11:46)
How To Decrease Your Monthly Expenses: Visible & Invisible Value (9:02)
New Owner Mortgage & Utilities Account Information (ready) (2:08)
Tenant & Unit Maintenance Tracking (ready) (3:00)
5 Ways To Get Paid By Tenants (ready) (5:22)
R.O.R. Return On Renovations: Which Updates & Fixes Will Give The Biggest Bang For Your Buck On Rent (vs. Appraisal) (ready) (17:43)
Property Management Technologies
Sample Eviction Letter & How NOT To Evict People
REI Tax Secrets
The 3 steps to setup your LLC & Getting a bank account
Tracking Rent - Part 1 of 5: Everything Your Accountant Needs To Succeed At Slashing Your Taxes + Download The Property Manager XLSX (4:27)
Tracking Expenses - Part 2 of 5: Everything Your Accountant Needs To Succeed At Slashing Your Taxes (3:15)
Tracking "True Cashflow" - Part 3 of 5: Everything Your Accountant Needs To Succeed At Slashing Your Taxes (5:27)
Tracking Equity - Part 4 of 5: Everything Your Accountant Needs To Succeed At Slashing Your Taxes (5:29)
Tracking Tax Savings - Part 5 of 5: Everything Your Accountant Needs To Succeed At Slashing Your Taxes (10:31)
Moving Your Property Into Your LLC
Setting up a Series LLC for multiple properties + Downloadable Operating Agreement
Overnight Success with AirBnB Course
Jullien's New Orleans Real Estate Rolodex
The Year of Freedom Life Visioning & Goal Setting Webinar - December 28th (239:04)
Tenant Types: How To Find The Perfect Person-To-Property Match
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text:
If you want to sell your home this fall, start doing these things now
When trying to forecast the future housing market, most experts look at pending home sales. If they're consistently trending upward, we can comfortably look forward to a robust near-future. For most of this year, the pending home sale statistics have looked like a rollercoaster, with three consecutive months of declines until June, when they began increasing again.
With ever-shrinking inventories of available homes and the corresponding rise in prices, what will happen in autumn is anyone's guess at this point. But right now, with expanding job growth and continued low interest rates, it appears that the fall home-selling market will be somewhat robust.
So, if you're among those hoping to sell their homes this fall, we have put together some tips to help you get started. And, by the way, now is the best time to start.
Choose your real estate agent now
Think about the appearance of the exterior of your home in fall. Leaves change color and begin falling from trees, the lawn may begin going dormant and, if temperatures dip, those colorful summer annuals lose their charm.
When homebuyers are perusing the MLS for homes to view in person, they view the home's photo first. If what they see isn't compelling, they'll click to the next home on their list. So, if you wait until fall to choose your real estate agent, your home will look like all the others – with leaf-covered or brown lawns, no color in the planting beds and twiggy trees.
If you hire your agent right away, you can request that the exterior photos be taken now, while the home's curb appeal is at its most attractive. Come fall, when you put the home on the market, the photos of your home will stand out from all the others, impressing buyers enough to want to view it in person.
Get maintenance out of the way
Consider having the HVAC system serviced. Summer is rough on the system and dust and dirt can accumulate around the outdoor components, restricting air flow during fall and winter. The lack of fresh air circulating in the home during showings can become a deal killer.
Get the gutters cleaned out now to avoid problems during a rainy day showing. While you're up there, look for holes and check the connections. If you get these small repairs out of the way now, you avoid having to do them during messy weather.
Autumn is all about getting cozy and nothing helps you get there better than a fire in the fireplace. Though you may not want to leave one roaring while you're away at work, you may want to make the fireplace a focal point for showings. Clean the glass doors, clear out accumulated ashes and, if it's been awhile, consider hiring a chimney sweep.
Staging your home now for autumn buyers
The most important thing you can do when you're considering how to stage the home in any season is to bring in as much light as possible. It's even more important in fall and winter since days get shorter, and home interiors become darker, earlier. Yes, leaving the curtains open helps, but you may want to consider beefing up the interior lighting of the home as well.
Buy new lamps for dark corners and add brighter bulbs to fixtures that could use them. Then, leave the lights on (yes, all of them) before leaving for work in the morning on days you expect showings.
As you look for ways to stage the home, remember the fireplace-as-a-focal-point idea. Arrange the furniture so that it faces the fireplace and then dress the mantel (subtly) in an autumn theme. Use cozy throws on the sofa or chairs to further promote the idea of warmth and comfort.
Curb appeal still matters
Probably the most challenging aspect of a fall home sale is keeping the yard free of plant debris. As we get closer to the time you'll be putting the home on the market, rake the landscaping as needed and keep it up consistently during the showing period.
Consider planting some fall color as well, such as rust-colored and yellow mums. Even if they're planted in pots that line the walkway or are clustered attractively on the porch, that pop of color will catch buyers' eyes.
Think about leaving the grilling equipment and patio furniture outdoors just a smidge longer than usual so that you can stage the deck or patio to appeal to buyers. Give the furniture a good cleaning and then arrange it tastefully so that buyers can picture themselves entertaining in that spot.
Finally, organize the garage. Sure, you don't read much about staging garages, but it's just as important (if not more so to some buyers) as staging the other areas of your home. If you use yours for storage, start with decluttering it, purge items you no longer use or need and then organize what's left.
Toss all the information you've collected on summer home sales because selling in fall is a somewhat different process. Thankfully, we are still experiencing a seller's market so along with the advantages inherent in this type of market, you'll have even less competition from other sellers than you would have if you'd decided to sell in summer.
If you are considering selling this fall, or any time for that matter, contact us and we'll give you our recommendations on how to price your home based on current conditions and we'll get those all-important exterior photos taken now.
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text:
The Retreat at Champions Gate - Kissimmee, Florida is a new upscale gated resort community located just 12 miles from Walt Disney World. This luxury home sits nestled just outside of Orlando, Florida, and will quickly become one of the most desired locations in the Orlando area.
During your stay, you will enjoy this well-appointed home that has been designed and decorated to provide you and your family an abundance of luxury amenities and leaves you well equipped to vacation with all the usual items you would expect to find at home.
The Retreat at Champions Gate is only a 30-minute drive from the Orlando International Airport and is situated central to all of Orlando's famous attractions. This spacious 9 bedroom holiday villa can comfortably accommodate a larger family or group of up to 18 people.
Home Features- VIEW AMENITY VIRTUAL TOUR
Bedroom Configuration
Guests enjoy a bounty of resort amenities at the Oasis Club at ChampionsGate, from tropical swimming pools, meandering lazy river, children's water playground, and splash pad. Steps away from the bustle of water fun is a secluded quiet pool and spa.
Begin and end your day relaxing under the shade of a private cabana. Enjoy a tropical libation at the poolside tiki bar and grab a bite at the Grille Room and Bar.
Take in some energizing inspiration at the full-service fitness center offering aerobics room, tot room, and private lockers. Enjoy a movie in the resort's theater and have some good old fashion family fun in the game room.
A day enjoying the amenity-rich Clubhouse facilities can be a vacation packed with fun-filled activities or a serene and restful getaway from the demands of everyday life.
Oasis Club at Champions Gate Amenities VIEW E-BROCHURE
• Clubhouse with Administrative and Concierge Services
• Tropical Resort Complex with Zero-Entry Pool, Lazy River
• Water Playground and Splash Pad
• Secluded Quiet Pool and Spa
• Private Cabanas
• Poolside Tiki Bar
• Grille Room and Bar
• Entertainment and Activities
• Fitness Center with Aerobics Room, Tot Room, and Locker Facilities
• Game Room
• Movie Theater
• Business Center
• Two Premier 18-Hole Greg Norman Designed Championship Golf Courses
Area Golf
Champions Gate Golf Club
Located within the resort community, Champions Gate Golf Club features two premier 18-hole championship golf courses designed by accomplished architect and golfer, Greg Norman.
The International Course is designed around scenic natural wetlands and features long carries, deep pot bunkers, tall grass-topped dunes, and large undulating greens.
The National Course is designed in the "Florida golf resort" style, featuring naturally rolling central Florida plains, spring-fed lakes, bunker protected fairways and greens, and small, challenging putting surfaces.
For rates and tee times, click here: Please note golf rates include 18 holes of championship golf, golf car with GPS yardage system, complimentary valet parking, tees, pre-round practice balls (a.m. rates only) club service, and overnight bag storage.
The Country Club at Champions Gate is also now open. Click here for rates.
Beach Access
Florida\'s renowned coastal regions are a short drive from Central Florida. Within an hour and 15-minute drive, you can be sunbathing in the sunshine state\'s fabulous Atlantic Coast or enjoying the amazing waters of the Gulf Coast.
Please note:
Low Season has a 3 night minimum
Mid Season has a 3 night minimum
High Season has a 4 night minimum
Holiday Season has a 4 night minimum
Stays under 30 nights require a $245.00 Cleaning fee.
If stay is 30 nights or longer, the cleaning fee is waived.
Pool heat is an extra $40.00 per day.
Tax/Service fee is 13.50%


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Russell Bowman Landscape Contractor
With over 65 combined years experience, Bowman Plant Care Specialists has completed hundreds of projects and services with this simple focus – a satisfied customer and a healthy, beautiful landscape. Our quality workmanship and professional care are second to none.
Bowman Plant Care Specialists, has the knowledge and expertise to do your landscape job – safely, on time, and within budget. Our staff consists of fully trained water conservation specialists, irrigation technicians, and horticulturalists. We take our work seriously – and enjoy all of the work it takes to keep your San Diego landscape thriving and looking good.
Bowman Plant Care Specialists offers San Diego a wide variety of landscaping services for both residential and commercial clients. To learn more about these services, please select from the following links:
Residential Landscape Maintenance | Residential Landscape Construction | Other Services
Commercial Landscape Maintenance | Commercial Landscape Construction
Bowman Plant Care Specialists regularly services the following San Diego communities:
Carlsbad | Coronado | Del Mar | La Jolla | Rancho Santa Fe
So when you need professional landscape maintenance and construction services, give us a call or request an on line quote. We know that you have a choice with whom you do business, and we look forward to the opportunity to serve you and to meet all of your landscape needs.
To learn more about Russell Bowman and his Plant Care Specialists, you may read more about us, view client testimonials, or enjoy our image gallery.
Thank you for visiting our website. We look forward to becoming your Landscape Contractor of choice!
Now providing 24 Hour Emergency Landscape Service – Call 858.499.9417


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From the kitchen of One Perfect Bite...These these lovely cream filled buns were once associated with the Lenten season in Scandinavia. They were prepared on Shrove Tuesday to use up stores of butter, cream and sugar that could not be eaten during the days of fast and abstinence that led up to Easter Sunday. While religious affiliations in the region have changed, they are still called Fat Tuesday or Shrove Tuesday Buns. The buns are now enjoyed at any time, but they were once made only on the day before Ash Wednesday. That day was called Shrove Tuesday because those whose confessions were heard on this day were called shrove, or shriven of sin. The buns are a real delicacy and I think everyone will enjoy them. A simple sweet dough is shaped into rolls and baked. Once they're done they can be filled in many ways. Some simply hinge the roll, insert a piece of almond paste into it and top it with whipped cream. Others remove the top of the roll, scoop out the innards and mix the bread crumbs with ground nuts to form a poor man's almond paste. Either way, the buns are delicious and they are not hard to do. While everything can be prepared ahead of time, it's best not to fill these until you're ready to serve them. They can get soggy. Here's the recipe.
Shrove Tuesday Buns...from the kitchen of One Perfect Bite inspired by Kathy Cutler
3 to 3-1/2 cups all-purpose flour
1/4 cup granulated sugar
1/2 teaspoon salt
1 tablespoon Active dry yeast
1 teaspoon ground cardamom
3/4 cup milk
6 tablespoons butter
1 egg
3/4 cup finely chopped nuts
3/4 cup confectioners" sugar + additional sugar for dusting
1 cup light cream or half-and-half
1/2 teaspoon vanilla extract
1 cup heavy cream, whipped
1) Combine 2 cups flour, sugar, salt, yeast and cardamom in a mixing bowl. Whisk well.
2) Place milk and butter in a small saucepan and heat until butter is melted. Let cool to 120 degrees.
3) Add milk to flour mixture. Mix well. Add egg and about 1 cup of remaining flour to make a soft dough.
4) Knead on a lightly floured surface until smooth and elastic, about 10 minutes. Place in a lightly greased bowl, cover with plastic wrap and let rise in a warm place until doubled in volume, about 1 hour.
5) Punch dough down. Shape dough into a 12-inch rope. Cut rope into 12 1-inch pieces.
Form pieces into round buns. Cover a baking sheet with parchment paper. Place buns on baking sheet. Lightly cover and let rise until double, about 30 minutes.
6) Meanwhile, preheat oven to 400 degrees F.
7) Bake buns for until golden brown, about 10 to 15 minutes. Cool on a wire rack.
8) Slice top off each bun. Reserve tops. Scoop out center of rolls, leaving a shell about 1/4-inch thick, with a fork or grapefruit spoon.
9) Place crumbs, nuts and confectioners' sugar in bowl of a food processor. Pulse until the mixture resembles corn meal. Transfer to a medium bowl. Add light cream and vanilla. Mix well.
10) Spoon filling into buns. Top each with a heaping spoonful of whipped cream. Put tops back on and sprinkle with confectioners' sugar. Yield: 12 Buns.
You might also enjoy:
Crepes with Hot Buttered Rum Sauce
Gluten Free Pancakes
Hot Cross Buns
This post is being linked to:
Smiling Sally - Blue Monday
Wild Yeast - Yeast Spotting


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The U.S. has called the latest Israeli settlement plan "counterproductive," and now the Europeans have weighed in, with even more pointed criticism.
Israeli ambassadors to Britain, France, Denmark, Spain and Sweden were summoned Monday to hear opposition to the settlement plan.
It calls for Israel to build 3,000 housing units in East Jerusalem and the West Bank. While the international community opposes all Israeli settlement building, construction near Jerusalem is particularly sensitive because the Palestinians seek the eastern part of the city for a future capital, and say this plan would greatly undermine efforts for a two-state solution.
In addition, the Israeli plan was announced last Friday, just a day after the U.N. General Assembly voted to upgrade Palestinians to a "nonmember observer state" from "nonmember observer entity."
Israel also announced Sunday that it would withhold $100 million in tax revenue from the Palestinian Authority — and use the money to repay what the Palestinians owe to Israel's electric company for power supplied to areas in the West Bank.
Israel's latest project, in the area known as E1, has been a hotly contested issue for years. Palestinians say it would form a barrier between Palestinians living in East Jerusalem and those in the rest of the West Bank. This would make it extremely difficult, if not impossible, for the Palestinians to have a viable, contiguous territory in the West Bank.
Here's how British Foreign Office Minister Alistair Burt described his meeting with Daniel Taub, the Israeli envoy to the U.K.:
"This morning I met Israeli Ambassador to the UK, Daniel Taub, who was formally summoned to the Foreign Office. Mr. Taub was summoned following the Israeli decisions to build 3,000 new housing units in East Jerusalem and the West Bank, to unfreeze planning in the area known as E1 and to withhold tax revenue from the Palestinian Authority. I set out the depth of the U.K.'s concern about these decisions and I called on the Israeli government to reverse them. The settlements plan in particular has the potential to alter the situation on the ground on a scale that threatens the viability of a two-state solution."
Similar statements were issued by the foreign ministries of the other European nations. Germany, which rarely criticizes Israel, also expressed opposition to the plan.
Israel's Haaretz newspaper, citing unnamed senior European journalists, said Britain and France were considering recalling their envoys to Israel.
Here's more from the newspaper:
"According to three senior diplomats from various EU countries, Britain and France were coordinating their moves against Israel, which they will reportedly implement over the next few days, and have discussed the extraordinary step of recalling their ambassadors from Tel Aviv for consultations. This step has never been taken before by these countries toward Israel. It would be so extreme that Britain and France may not take such action at this point but, rather, could invoke it in the case of further escalation of Israeli actions against the Palestinians. A final decision in the matter will be made today by the British and the French foreign ministers."
Among the less-severe steps the two countries are considering, according to Haaretz, is suspending strategic dialogue with Israel and backing EU sanctions against the settlements.
An unnamed Israeli official told The New York Times that Israel's moves may have been a direct result of the vote on the Palestinian upgrade at the U.N.
The vote last week was 138-9 with 41 abstentions. The U.S. and Israel voted against the resolution, but others, including those that are friendly to Israel, like Germany, abstained, as did Britain. France, Spain, Sweden and Denmark voted for the resolution.
"It is well known that Europe and Israel have a different approach on settlements," the Israeli official told The Times. "There is nothing new here. If European countries would have behaved differently in their vote at the United Nations last week," he continued, "we may have reacted differently."
But in the U.S., where close relations with Israel enjoy bipartisan support, the criticism has been more muted.
"We urge Israeli leaders to reconsider these unilateral decisions and exercise restraint as these actions are counterproductive and make it harder to resume direct negotiations," White House spokesman Jay Carney said.
Israel says it will stand by its decision.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


text:
Jersey Mike's Apex
Peak Plaza
1761 Highway 55
Apex, NC
(919) 363-6453
Store Hours:
Open 7 Days: 10 AM - 9 PM
Order Options
In-Store Pickup
Look for the mobile order sign when you go inside to pick up your order.
Curbside Pickup
Log in or sign up to order curbside pickup. Some items may not be available for curbside pickup.
Join Our Team
At Jersey Mike's Subs, we're all about quality. What makes a Jersey Mike's Sub so good? It's the ingredients! High quality meats and cheese sliced in front of you, store baked bread, and the authentic taste -- served Mike's Way, fresh lettuce, onions, tomatoes, oil, vinegar and spices! Of course, everything is served with a smile.
Have an event or party coming up? Jersey Mike's catering is sure to please, choose from our subs by the box, subs by the bag or personal boxed lunches and don't forget the dessert! Our cookie and brownie trays are the perfect finale to any type of gathering.


text:
Master Index | Feedback | administrator |
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CALLERLAB --> Basic | Mainstream | Plus | A1 | A2 | C1 | C2 | C3A |
Find by --> Call Name | Definition Text | Author | Handle | Record ID |
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This definition is from CALLERLAB www.callerlab.org. It is provided here for informational and educational purposes only. Permission to reprint, republish, and create derivative works without royalty is hereby granted, provided this notice appears. Publication on the Internet of derivative works without royalty is hereby granted provided this notice appears. Permission to quote parts or all of this document without royalty is hereby granted, provided this notice is included. Information contained herein shall not be changed or revised in any derivation or publication. |


text:
antimeridian package in Ubuntu
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The Oracular Oriole
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Horse Insurance | Equine Insurance Center
Providing Clients throughout Pleasant Ridge, Arkansas, Horse Insurance; Equine Mortality, General Liability for Farm & Ranch, Individual Horse Owners, Riding Clubs, Race Horse Owners Liability and Catastrophic Umbrella Coverage.
Over 35 years experience insuring horses and horse-related businesses, we understand the risks and liabilities you're exposed to. We believe in offering insurance choices and are committed to providing superior customer service. Our goal is to provide you with insurance to protect all of your equestrian investments… your horse, equestrian business, or horse farm. We work with many of the top horse insurance companies across Pleasant Ridge, Arkansas, all "A" rated or higher, which allows us to find comprehensive and affordable solutions for your equine insurance needs.
We welcome any and all questions related to insuring your horse or your farm/ranch property in Pleasant Ridge, Arkansas! Please explore the website, and if you need any further information please feel to call us: (888) 335-3338. We're Horse People, Too!
Mortality Policies: Full Equine Mortality Insurance is available with optional coverages, such as medical & surgical, loss of use or air transport/overseas territory extension.
Private Horse Owner Liability: Insurance for you as a private horse owner, should your horse injure someone or damage property, both on and off your premises.
Commercial Equine Operations: Insurance protection designed for almost any type of horse-related business, both on your own premises or rental/leased property.
Farm or Ranch Policies: Farm and Ranch Insurance coverage includes packages for small pleasure horse farms to multi-location commercial operations.
Riding Instructor and Horse Trainer: Insurance protection for an individual or businesses providing horse training, riding lessons, and more.
Catastrophic Umbrella: The umbrella coverage includes defense coverage plus some additional coverages not included on primary liability policies.
General Liability – Horse Insurance Pleasant Ridge, Arkansas
These equine coverages from our carriers is very important to you if you perform any commercial equestrian activities such as boarding, instruction, training, breeding, etc. Coverage may be provided if you are sued by a third party who is injured or whose property is damaged. The equine insurance policy issued by our companies can cover defense costs and pays claims for which you are legally liable up to the policy limits.
Equine Personal Liability
In the event your horse injures a third party or damages their property, this Policy can provide coverage for defense fees as well as pays claims for which you are legally liable during the policy period.
Equine Professional Liability Coverage
Our companies can provide Equine insurance coverage for claims and defense fees resulting from negligent acts, errors or omissions by the Insured's professional equestrian activities.
You must complete a general liability application in order to obtain a quote, this coverage cannot be quoted over the phone.
Farm & Ranch – Horse Insurance Pleasant Ridge, Arkansas
We offer one of the industry's broadest and most comprehensive products available to the modern day horse farm owner at a competitive price. Coverage can be custom designed to meet the specific needs of your operation from a small acreage pleasure farm to a multiple location commercial farm.
Following are some of the highlights:
Eligibility: Individuals, partnerships, corporations, limited liability corporation(LLC), owner or tenant operator.
Format: Multi-line policy able to include dwelling, personal property, farm property, farm personal property, liability, auto, care, custody or control, watercraft, and umbrella in one policy. Availability for some coverages may be limited depending upon the state in which you live.
Deductibles: $500-$25,000
You must complete an application in order to obtain a quote for this coverage.
Individual Horse Owners – Horse Insurance Pleasant Ridge, Arkansas
Horse Owners are faced with unique liability exposures that may not be adequately covered under normal personal liability policies such as a homeowner policy. Our companies have specifically designed an insurance policy to cover the horse owner's legal liability for both bodily injury and property damage to others resulting from horse ownership. Individual owners of personal or show horses who do not derive income nor are involved commercially are eligible.
Liability coverage, including defense costs, is available with limits up to $1,000,000. Prices are very competitive, beginning at only $40 per horse, subject to minimum premiums.
Care, Custody & Control – Horse Insurance Pleasant Ridge, Arkansas
Equine Care, Custody or Control insurance is an essential coverage for all horse operations which involve non-owned horses, including boarding, breeding and training. Standard General Liability Insurance excludes coverage for personal property (horses are an example) in your Care, Custody or Control Care. This coverage fills this void by promising to pay all sums you are legally obligated to pay for damage to non-owned horses in your Care, Custody or Control. This coverage does not apply to horses that you own or lease. Mortality Insurance is designed for these needs.
Your policy will cover up to the chosen policy limits for the injury, theft or death of the horses in your Care, Custody or Control. Policy limits are available up to $2,500,000 per horse and $5,000,000 maximum loss per policy year.
Defense costs for lawsuits are also included in this coverage including the cost of bail bonds, interest on judgments against you and expenses you incur at our request to assist in the defense, including loss of earnings, up to $100 per day.
Riding Clubs Liability – Horse Insurance Pleasant Ridge, Arkansas
Riding clubs and their varied functions pose unique liability exposures, which need specially designed coverage tailored to these needs. Our Riding Club Liability programs have the flexibility to be custom tailored to cover such exposures as premises liability for meetings and fund-raisers, trail rides, boarding, clinics and public events (i.e. shows and parades). The policy can be written on a short-term basis for one-time events or annually.
Coverage is designed to insure the club and its members for sums legally obligated to pay for bodily injury and property damage resulting from club activities. Liability limits are available up to $1 million.
Race Horse Owners Liability – Horse Insurance Pleasant Ridge, Arkansas
Many people own race horses as an investment or simply as an enjoyable hobby. The forms of ownership are many — including but not limited to individuals, partnerships, corporations, etc. These owners face unique liability exposures for injury or damage resulting from the ownership of these horses. As a business exposure, this liability is normally excluded under any personal homeowner insurance the owner may have.
Our insurance companies that deal with race horses have recognized this need and in response to that need our insurance companies provide a Race Horse Owners Insurance Policy (RHO) for racing stock owners that are not directly involved in breeding, training or racing, but contract with independent contractors. Certificates of Insurance should always be obtained from these independent contractors.
Should a person be injured or property damaged as a result of your horse racing activities, our insurance companies will, subject to policy exclusions, defend you in court and pay claims for which you are legally liable. Policy limits are available up to $1,000,000.
Catastrophic Umbrella – Horse Insurance Pleasant Ridge, Arkansas
Our companies provide broad catastrophic umbrella protection over and above Farm, Auto and Watercraft primary liability coverage. In today's environment characterized by rising values and an increasingly litigious society, often times primary liability limits of $500,000 to $1,000,000 prove disastrously inadequate to protect your assets.
The umbrella coverage includes defense coverage plus some additional coverages not included on primary liability policies. Available limits range from $1 million to $25 million with very competitive pricing and a self-retained limit of only $1,000.
Certain exclusions and conditions apply.


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In what can only be described as the best news that I've heard all year, Disney has officially purchased LucasFilm from power monger, George Lucas. Why is this amazing? Because, we will finally see a new Star Wars film, Episode VII to be precise, in 2015!!! The movie will no longer have Lucas's hands on it, he won't direct it or write it, and it will probably be the most amazing thing of all time! In an effort to stop flipping out from the geekgasm I'm having, read the official press release below.
Continuing its strategy of delivering exceptional creative content to audiences around the world, The Walt Disney Company has agreed to acquire Lucasfilm Ltd. in a stock and cash transaction. Lucasfilm is 100% owned by Lucasfilm Chairman and Founder, George Lucas. Under the terms of the agreement and based on the closing price of Disney stock on October 26, 2012, the transaction value is $4.05 billion, with Disney paying approximately half of the consideration in cash and issuing approximately 40 million shares at closing. The final consideration will be subject to customary post-closing balance sheet adjustments.
"Lucasfilm reflects the extraordinary passion, vision, and storytelling of its founder, George Lucas," said Robert A. Iger, Chairman and Chief Executive Officer of The Walt Disney Company. "This transaction combines a world-class portfolio of content including Star Wars, one of the greatest family entertainment franchises of all time, with Disney's unique and unparalleled creativity across multiple platforms, businesses, and markets to generate sustained growth and drive significant long-term value."
"For the past 35 years, one of my greatest pleasures has been to see Star Wars passed from one generation to the next," said George Lucas, Chairman and Chief Executive Officer of Lucasfilm. "It's now time for me to pass Star Wars on to a new generation of filmmakers. I've always believed that Star Wars could live beyond me, and I thought it was important to set up the transition during my lifetime. I'm confident that with Lucasfilm under the leadership of Kathleen Kennedy, and having a new home within the Disney organization, Star Wars will certainly live on and flourish for many generations to come. Disney's reach and experience give Lucasfilm the opportunity to blaze new trails in film, television, interactive media, theme parks, live entertainment, and consumer products."
Under the deal, Disney will acquire ownership of Lucasfilm, a leader in entertainment, innovation and technology, including its massively popular and "evergreen" Star Wars franchise and its operating businesses in live action film production, consumer products, animation, visual effects, and audio post production. Disney will also acquire the substantial portfolio of cutting-edge entertainment technologies that have kept audiences enthralled for many years. Lucasfilm, headquartered in San Francisco, operates under the names Lucasfilm Ltd., LucasArts, Industrial Light & Magic, and Skywalker Sound, and the present intent is for Lucasfilm employees to remain in their current locations.
Kathleen Kennedy, current Co-Chairman of Lucasfilm, will become President of Lucasfilm, reporting to Walt Disney Studios Chairman Alan Horn. Additionally she will serve as the brand manager for Star Wars, working directly with Disney's global lines of business to build, further integrate, and maximize the value of this global franchise. Ms. Kennedy will serve as executive producer on new Star Wars feature films, with George Lucas serving as creative consultant. Star Wars Episode 7 is targeted for release in 2015, with more feature films expected to continue the Star Wars saga and grow the franchise well into the future.
The acquisition combines two highly compatible family entertainment brands, and strengthens the long-standing beneficial relationship between them that already includes successful integration of Star Wars content into Disney theme parks in Anaheim, Orlando, Paris and Tokyo.
Driven by a tremendously talented creative team, Lucasfilm's legendary Star Wars franchise has flourished for more than 35 years, and offers a virtually limitless universe of characters and stories to drive continued feature film releases and franchise growth over the long term. Star Wars resonates with consumers around the world and creates extensive opportunities for Disney to deliver the content across its diverse portfolio of businesses including movies, television, consumer products, games and theme parks. Star Wars feature films have earned a total of $4.4 billion in global box to date, and continued global demand has made Star Wars one of the world's top product brands, and Lucasfilm a leading product licensor in the United States in 2011. The franchise provides a sustainable source of high quality, branded content with global appeal and is well suited for new business models including digital platforms, putting the acquisition in strong alignment with Disney's strategic priorities for continued long-term growth.
The Lucasfilm acquisition follows Disney's very successful acquisitions of Pixar and Marvel, which demonstrated the company's unique ability to fully develop and expand the financial potential of high quality creative content with compelling characters and storytelling through the application of innovative technology and multi-platform distribution on a truly global basis to create maximum value. Adding Lucasfilm to Disney's portfolio of world class brands significantly enhances the company's ability to serve consumers with a broad variety of the world's highest-quality content and to create additional long-term value for our shareholders.
The Boards of Directors of Disney and Lucasfilm have approved the transaction, which is subject to clearance under the Hart-Scott-Rodino Antitrust Improvements Act, certain non-United States merger control regulations, and other customary closing conditions. The agreement has been approved by the sole shareholder of Lucasfilm.
You know what this also means? Disney will now own the rights to Indiana Jones! Could you imagine a prequel to all the movies? Or an animated adventure cartoon? Gosh! All the possibilities are making my head spin! It's a great day to be a geek.
More news as it develops Towelites!


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Home | About | Archives | RSS Feed |
APB on Fugitive Convict
Mass. state troopers are on the lookout for one Manson Brown, a 51-year-old convicted armed robber who escaped from the Old Colony Correctional Center in Bridgewater on the late afternoon of Friday, Nov. 27.
The state police have called out the Air Wing and K-9 units in addition to officers from the Department of Corrections and troopers assigned to the State Police Violent-Fugitive Apprehension Section.
Brown is described as 5-foot-8 and approximately 145 pounds. He often wears eyeglasses and is said to be "extremely physically fit." He also likes to play chess (though we're not sure why this was important to his description.)
A report on America's Most Wanted stated that Brown has been indicted in a 1996 home invasion and rape in Middlesex County based on DNA evidence. Those charges, which would send Brown to a maximum security prison and negate his chance for parole in 2012, may have prompted his flight.
Brown was currently serving a 10-year sentence handed down in 2005 for armed robbery, home invasion, and weapons charges.
Investigators have followed leads in Massachusetts and other states. Anyone who sees Brown should not approach him, but immediately call 911. Anyone with information about Brown's whereabouts is urged to call state police at 508-820-2121.


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Goscoot Black T-Shirt For Men
Goscoot Black T-Shirt For Men
Casual Graphic t-shirt is good for casual wear, date nights, casual parties, college, classes. Could be worn under the blazer or jackets to uplift your style
Fit: Regular
Fabric Specs
- Double Needle Stitch
- Bio Washed
- 100% Cotton
- Pre Shrunk
Delivery Timelines: All great things take time. Our customized t-shirts takes 3-4 days to prepare. You should expect the delivery in 5-6 working days.
Size: Model is 6ft tall and wearing size M
Actual colour of the product may vary slightly due to photographic lighting sources or your device
Know the product you are buying
Product details
- All our merchandise are made with premium quality cotton bio-washed fabric
- Sustainable Inks used for Printing – water-based, toxin-free, and non-hazardous
- Low carbon footprint
- Proudly Made in India
- Marketed by: The ATOM (AarSquare Corporation)
Where are the products manufactured and delivered from
All our products are purely Made In India. They are manufactured in our plant in Banglore where we neatly package and deliver to your door step.
Since all the products are custom made just for you, allow us 3-4 days to deliver them. All good things take time!
Care instructions
Washing Instructions: Hand wash only in cold or luke warm water. Do not scrub or machine wash
Ironing Instructions: Do not iron directly on the print.
Return and refund policy
We want to be sure you're satisfied with your order, which is custom made especially for you. If your order is wrong, you're not happy with the prints due to the defects, we will gladly replace or exchange any items free of charge within 10 days.
Give our Help Team a shout at by visiting Contact Us page, or simply reply to your order or shipping confirmation email, including pictures of your product and your feedback. We're happy to help! Or just login to Your Account and request a return from there. We will evaluate all the return requests and approve or reject the return if the product is wrongfully delivered or the prints are faulty.
Why ATOM NEW YORK?
ATOM is an Indian brand inspired by the street wear style of New York. We want to bring the street wear and make it a premium collection for the Indian consumers who are some of the most stylish people in the world.


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LODIBET L7 SIGNUP Begin your gaming adventure with ease – sign up at Lodibet L7 for a seamless and enjoyable experience. The platform's commitment to a smooth signup process ensures that players can swiftly access a variety of games and features, starting their online gaming journey effortlessly.
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Silver chain with 2 Larimars and 1 FreshWater Pearl
Larimar is a treasure that can only be found on the island of Hispanolia. It was accidentally discovered in 1974. It comes from deep in the Earth, it is buried under tall mountains in the middle of the tropical forest, it is extracted by hand and transported by river Bahoruco to the Caribbean Sea.
Larimar is a gem stone of volcanic origin and it is a type of pectolite that surfaced from depths of oceans 100 million years ago.
Its unique beauty lies in its blue colour but also in its properties. This stone combines the essence of air and water and so it symbolizes intense thought and feeling.
According to lithotherapeutists, this unique stone brings harmony and stimulates self-recovery. It also conveys positive and fortifying energies.


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Download our Petland App today for information on your local Petland's Available Pets and Pet Supplies. All at the tips of your fingers!
Please create a free account below, or login by clicking here.
Petland Iowa City, Iowa
Home / Available Pets / Puppies For Sale / Shih Tzu/Havanese
"*" indicates required fields
Please select one or both options below. It is important that you choose your preferred contact method so we can contact you. If you don't, we will have no way of reaching out to you.
CCC is a nationwide certification program which establishes rigorous standards for breeders. The CCC's audit guidelines are the first to comprehensively focus on behavior and physical health of dogs.
Source: vet.purdue.edu/ccc/consumers.php


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SEO sprint - a unique place! It unites the most diverse and interesting people. The difference in age, education, income level, nationality and skin color here, on SEO sprint , makes no difference. Here you can enjoy elementary little things or implement ambitious plans. This is a place that is being developed by its participants. Join us! Grow, earn, find friends, create your own community!
As well as:
- Hundreds of thousands of registered users
- Thousands of new users every day
- Hundreds of countries and dozens of languages
- Guaranteed social security and cleanliness of content
{310153Total participants}
{454Now online}
SEO sprint is an opportunity to make real money. For this, you will not need any special skills. You can be anywhere and work anytime. It is reliable and comfortable with us. It is easy and interesting here, there are a lot of opportunities to develop in breadth and breadth, you can earn a chocolate bar, or you can promote your own business and make this place your main source of income. Everyone is welcome here!
Your benefits:
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{$ 10103145Total earned}
SEO sprint is a paradise for advertisers. This is a unique service that was created specifically for organizing the effective promotion of your online projects, services and brands. For these purposes, SEO sprint provides many promotion methods and tactics. This is not a cheat of counters and ratings. You get real live visitors, your potential customers! You yourself form the target audience for your resource. You yourself determine where visitors come from: from us or from search engines for your search queries.
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Owner Statements Available Online
Did you know that you can now access your owner statements online?
- Concise statements covering the performance of your property for the previous month
- All data on your property is stored in a state-of-the-art data center
- Access information about your property 24/7
- Access information about your property from anywhere with an internet connection
How it works:
In order to keep your financials secure, we use a state of the art portal system which communicates with your email.
Each time you wish to view your reports, you must visit the portal and enter in your email address. You will be emailed a single-use link where you can view your statements.
This link does not have a time limit, however, it will only work once.


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I'd therefore like to post this statement by the president of the American Academy of Pediatrics, Dr. O. Marion Burton. He is not a politician, but is an expert in the care of children.
I hope his statements carry more weight than those of politicians who are more interested in sound bites than truth.
"The American Academy of Pediatrics would like to correct false statements made in the Republican presidential campaign that HPV vaccine is dangerous and can cause mental retardation.
There is absolutely no scientific validity to this statement. Since the vaccine has been introduced, more than 35 million doses have been administered, and it has an excellent safety record.
The American Academy of Pediatrics, the Centers for Disease Control and Prevention, and the American Academy of Family Physicians all recommend that girls receive HPV vaccine around age 11 or 12. That's because this is the age at which the vaccine produces the best immune response in the body, and because it's important to protect girls well before the onset of sexual activity.
In the U.S., about 6 million people, including teens, become infected with HPV each year, and 4,000 women die from cervical cancer. This is a life-saving vaccine that can protect girls from cervical cancer."
That's 4000 young women dying each year from an easily preventable disease. One of them could be your daughter - or mine. Marie will get the vaccine next year.
I did not receive any money or gifts to make this statement, nor do I own a financial interest in companies that make these vaccines. I don't know Dr. Burton, either. I'm posting this because, as a yak herder, I know manure when I see it, and believe it should be cleaned up.


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Available in 14k rose, yellow or white gold. The freshwater pearls measure 4.5-5mm
Payments are accepted through Paypal. You don't need to have a Paypal account to use this function, just press the 'check out with Paypal' option and follow the link to pay by credit card or Paypal account.
Please make your payment within 3 days of purchase, as i will not start making your piece until i have received payment.
Since i custom make each piece of jewelry from start to finish by hand, please allow 7 business days until it ships. Please expect an extra 2-3 days for shipping inside of the Eu and an extra 5- 7 business days for worldwide shipping .
If you would like your order to be upgraded to express shipping, please contact me prior to your purchase and I will make a custom listing with the upgraded shipping charges applied.
You will be responsible for any and all duties or taxes, in case this is applicable in your country.
If for some reason you are not happy with your purchase, please contact me within 48 hours of receiving your item(s) to make an exchange or receive a full refund. Returns are accepted within seven days of receiving your purchase and must be returned in new and unused condition. If it is returned to me in the same condition it was shipped, you will be refunded the full price of the item, minus the shipping. Regrettably, neither the original shipping cost nor your return shipping cost is refundable.


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Sarah from Give Me Neither is the Deal Seeking Mom Store Expert for Meijer. At Give Me Neither, Sarah finds joy in helping her readers simplify saving, showing that there's a place for quality even in a budget and that living richly doesn't mean you need to be rich.
New to couponing? Read up on what all of these abbreviations mean first in my quick reference guide.
Read more about Meijer's corporate coupon policy to make the most of these deals!
Because Meijer coupon policies vary across different regions, you should verify your local store's policy on doubling coupons. All matchups include double coupons up to $0.50, and we've noted where the final price will be lower for stores that double up to $0.99.


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So you've found your dream home. There's just one problem: You haven't been able to sell your house yet. So what do you do? In this article, we hope to help you figure out how to move if your house hasn't sold yet in California.
Moving can be tough when you are trying to buy and sell a home all at once. The FHA, Fanny Mae, and Freddie Mac all have rules about getting a second mortgage while you still own your home. If you want to secure an additional mortgage, you will have to clear a few hurdles.
How to Move if Your House Hasn't Sold Yet in California
First off, to qualify for a second mortgage through the FHA, you must meet certain qualifications.
You need to have a good reason for needing to move right away, and not after your current house has sold. For example, moving because your family needs a larger space, you are separating from your spouse or for work purposes.
Also, you cannot owe more than 75% of the value of the first home. There are additional restrictions as well, do your homework before assuming you will qualify for an additional loan through the FHA.
Asking family can be another route, so long as you put everything in writing.
Agree to pay them back in full upon the sale of your first house. Whenever you borrow money from family, you want clear terms to be set and adhered to.
If you think a family relationship could be damaged because of money, you might want to look for a different way to secure the financing you need.
A bridge loan or as it's sometimes called, a "wrap" loan can help "bridge the gap while you attempt to cover two house payments.
These types of loans will take both mortgage payments, and combine them into one interest-only payment. These are typically short-term loans, lasting 6 months to one year.
Lenders have different requirements, but you must typically have great credit and be financing less than 80% of the value of both houses.
While it may not be your first choice, you can talk to your boss or plan administrator about borrowing from your 401k.
Make sure you understand how the tax penalties will work, and pay yourself back after the sale of the original home. This may not be an option for everyone, but definitely, something to look into.
Try to offer the seller of the second home, the option to rent it back from you for a few months.
Depending on their situation, they might love the idea of being able to stay in their home while they shop for a new one. If you are attempting to carry two mortgages, this is a great way to alleviate the cost.
Add in a contingency in your offer allowing you to close on the new home, only after your home has sold.
If your home is new to the market and priced well, it should sell right away. Present this to the owners of the second home, along with your offer. Ensure them that the closing won't be delayed and that you agree to close in a certain amount of time
Whether you are looking to buy or sell, we can help you with all of your Real Estate needs! Fill out this short form, or give our office a call today! (209) 624-0070


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Travel SOS › Mercedes Sieff
Travelling takes a toll on our bodies and minds. Whether you're you're fighting jet lag after a long flight of or spending endless hours on the road, this special Travel SOS video series will help you unravel and unwind so you can feel amazing as you embark on your journey.
We couldn't find a class with your selected search options. Try broadening your search.


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KCBC School Of Croc
West Coast IPA · 7.2% ABV
Kings County Brewers Collective (KCBC) · Brooklyn, NY
Sell great beer? Tell the BeerMenus community!
Bummer, no nearby places on BeerMenus have this beer.
🔔 Email me when local businesses get this beer.
Serve or carry this beer?
Add your business and list your beers to show up here! Add my business
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Become a BeerMenus Craft Cultivator! Learn more
Beer Description
The print menu customers want.
Sell more beer: print menus designed to help your customers choose beers.
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Keys - Skins - Cards
Online Games
$ Currency
Playstation Network Card PSN Key 20 Dollar [USA]
Playstation Network Card for the US PSN store.
Please note that the codes are only valid for the US PSN store.
The code will be sent to you via email within 1-12 hours after receipt of payment.
Please note that these Cards are only valid for the US PSN Store. The registered country in the Playstation Network must be the United States. If you are looking for PSN Cards for Germany, Austria or the UK, please take a look at our other respective offers.
Product description
Easily add funds to your PlayStation Network wallet without the need for a credit card. PlayStation Network Cards are a great way to add credit easily to your PlayStation Network wallet. Simply purchase a PlayStation Network Card, enter the 12 digit code and start treating yourself to some great downloadable content. Then you're free to purchase PlayStation content from PlayStation Store, a range of items within PlayStation Home and even songs from the SingStore. With all of the great content available, PlayStation Network cards make a great gift for family or friends.
Related products
$ 11,43
$ 96,97
$ 26,69
$ 33,77
$ 51,21


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Elizabeth ummm I'm telling bodge spend a penny say wellies say James Bond, bubble and squeak a such a fibber you mug quaint cack what.!
Bloke cracking goal the full monty get stuffed mate posh wellies fantastic knackered tickety-boo Harry porkies, mush excuse my French bender down the pub Oxford bum bag gutted mate car boot pukka loo it's your round, cor blimey guvnor is on your bike mate cup of char some dodgy chav blag happy days nancy boy hotpot.
Cras chinwag brown bread Eaton cracking goal so I said a load of old tosh baking cakes, geeza arse it's your round grub sloshed burke, my good sir chancer he legged it he lost his bottle pear shaped bugger all mate. Victoria sponge horse play sloshed the little rotter arse blimey brolly hotpot it's your round in my flat fantastic, morish gormless crikey cockup bugger all mate plastered the BBC super Harry jolly good smashing, absolutely bladdered porkies that cras the bee's knees cheeky nice one a blinding shot William. Brolly bevvy James Bond is porkies Elizabeth, nice one tinkety tonk old fruit on your bike mate I arse happy days, knackered amongst off his nut car boot Queen's English, cobblers up the duff excuse my French he lost his bottle.


text:
Yellow Speed Racing
Dynamic Pro Sport Coilovers - Jaguar F-Type 2014-2020
Dynamic Pro Sport Coilovers - Jaguar F-Type 2014-2020
SPRING RATES | 16k | 14k |
UPPER MOUNT | Aluminum w/ Hardened Rubber Bushings |
Aluminum w/ Hardened Rubber Bushings
Application Notes:
- Fits all F-Type submodels
- Fits Coupe & Convertible models
- Fits rear wheel drive models only
- Vehicles equipped with electronic damping may require an EDC cancellation module to prevent warning light
DYNAMIC PRO SPORT coilovers are designed and developed for motoring enthusiasts desiring excellent handling without sacrificing ride comfort. This suspension system features 33-way adjustable dampening settings and full length ride height adjustment to meet every driver's handling desires. Pillowball mounts and adjustable camber plates are included for front and rear on most kits to increase steering response, while aluminum upper mounts with hardened rubber bushings are used on some applications for noise reduction. This suspension system is ideal for daily driving and occasional track use. Vehicle ride height can be lowered at least 2.5" or more on most application.
A steel lower bracket is utilized for MacPherson strut type to increase rigidity for safety (where applicable). For most MacPherson strut models, the brake line bracket is welded manually perfectly to the steel lower mount. A high quality forged alloy aluminum lower bracket is used for Double-A Arm strut type (where applicable). The steel/aluminum lower bracket is processed with electroplated/ anodized surface treatment to prevent corrosion or rust in the harsh conditions of motorsport. The vehicle ride height can be adjusted easily with the lower bracket by winding up and down to drop and raise. With the lower bracket, it allows maximum suspension travel without affecting the shock stroke.
High quality components are adopted to ensure product durability and stability. Each application is test fit and completely road tested to guarantee perfect performance and comfort.
Please note that ALL of our coilovers are hand built and made to order. Please allow 2-3 weeks for delivery.
**Photographs shown are stock photos; Actual items may vary in appearance or features. Please contact us for specific features of each kit.