8
Jul

I Had a Water Pressure Issue That Was Easily Fixed

I am a morning person. I love waking up each day and just getting started. I pray and read my Bible, then I get in the shower. When I started my shower water yesterday morning, I had only cold water. I went to the kitchen to see if there was only cold water there, but it was hot. I knew that it was not the water heater because all the water would be cold. I had no idea what would cause this, so I did a search for an emergency plumber in Hudson County NJ.

I hoped to be able to get someone out to my house the same day. It would not have been a tragedy if I would have had to wait a day or so, but I am the type of person who just wants any problems fixed as quickly as possible. When I called the emergency plumber and explained what was going on, he said that it was more than likely a pressure issue because I did have hot water in other areas of the house. He told me that he was on the way to one job but could squeeze me in afterwards. This was music to my ears!

I did not have to wait long, and I showed him the shower as well as the basement where the water heater is. He checked a few things and told me that it is definitely a pressure issue. The good news was that he had the equipment with him to fix it on the spot. I can’t even begin to explain what he technically did, but I can tell you that I had hot water in my shower within an hour of his arriving at my house. Yesterday’s shower felt so much nicer because I was not taking it for granted by the time I got in it!

7
Jul

We Bought the Vacant Lot Behind Us

I did not really think that the owner was going to make a deal that was going to be within my means, but after I talked to him I realized that the land was not really worth too much because of the right of way situation. The highway is not so close to the land, but they have a right of way in case they want to make it four lanes, then the power company has a right of way that cuts right down the middle of the lot. I will find some who does stump removal in Asheville NC after I cut down all of the trees that I want to get rid of. None of them are anything that you have to worry about very much. You have to think it out and not be a fool, but none of them are going to be anything that I can not handle so long as I am careful.

Our plan is pretty simple. We are going fence the land in and get us a horse or better two of them. Shelly has never been happy without a horse. She learned to ride from her grandparents who lived out in the woods of East Tennessee and when she was a little girl they say she would go off riding in the morning and not come back until it was dark. Of course they had no neighbors for miles and this was the sort of town where people could ride their horses on the main streets, such as they were. We must have a dozen pictures of her with ponies and horses hanging on the walls around the house. I am going to have to build her a little stable and buy a horse trailer that she can pull behind the pick up truck.

26
Jan

We Are Working on Mom’s House

It took all of us a couple of years to talk her into moving, which she really hates a lot. Of course the place is not set up for a woman of her age to live in and it is at least four times the size of a place that she needs. When we were kids it was not that big of a place, it was Mom, Dad, my uncle and four kids in a four bedroom house. The thing that I need help with is HVAC repair in Queens and once I figure out what that is going to cost I can quickly figure out the rest of the project. The place is in good shape structurally, I got a friend of mine to replace the roof about five years ago and it is good for around a quarter of a century longer. The plumbing is fine and although the wiring is old, there does not seem to be any real issue with it.

There is plenty of stuff that I can do on my own or with the help of my kinfolk. I know people very well who are in all the trades and would be happy to work off the books for a good discount. They would be glad to take an envelope of cash at a much lower price than you would get if the government was involved. I can do the bathrooms and the kitchen on the weekends, although before I start I need to figure out what the budget is and that requires a thorough analysis based on what all of it is going to need. The HVAC needs to be figured out to start and then I can figure out how much I can put into the rest of the job. The bank seems happy to lend me what I need.

7
Oct

Doing Some Bar Tending for Extra Money

I did this sort of thing for two or three years while I was in college and then before I got a good enough job that I could quit. However I got an offer that was sort of hard to refuse for a couple of reason. I ran into this girl I knew in college and with her were a pair of girls who were even hotter than she is. I got to know them and they started paying me to do parties with him. My old friend had been stripping way back, but the others were blonde escorts. At least they told me that to see how I would react and I think that they said there was a web page some place that advertised them as that. They seem not to really do anything save for bachelor parties and other parties where the entertainment is like you find at one of those. Continue reading

9
Jan

No One Will Get in

One night I was hungry, so I went downstairs to make a midnight snack. While in the kitchen, I heard a tapping sound at my front door. I went to the window to see who was outside, and I saw a man with a mask and a crow bar trying to get in. I turned on the porch light and the man ran away. If I hadn’t been awake, things would have been worse. I wanted more information about the pricing plans that were available for security systems in my area, so I looked online. I wasn’t going to go through another situation like that one again.

I thought about buying a gu‌n in addition to the security system, but ultimately I decided against it. Continue reading

19
Dec

be home together with your kids and yet be a breadwinner too

Along with learning how to tie shoelaces and how to write, learning how to tell the time is one of childhood’s milestones. Before you begin making your clocks, make sure your kid knows the basics. Once the clocks are made, you can start teaching them the different blocks of time.

1. Get down to Basics.

Kids need to be able to count to 60 (in the correct order) to tell time. Have your child write down the numbers 1 through 60 on a piece of paper. As they write each number, have them recite the number as well. Post this piece of paper on a wall and have them recite the numbers regularly.

While you are out in public, like at the grocery store, point out double-digit numbers and have your child repeat the number to you.

To encourage your child to learn, make sure to reward them with playtime or their favourite snack for doing a good job.

2. Practice counting by 5s

Understanding groups of five will also make learning to tell time much easier. Have your child write down increments of five on a sheet of paper up to 60. As they write the numbers, have them recite them as well. Make sure to point out that each number either ends in a 5 or a 0.

3. Teach them the general concept of time.

General concepts of time are the morning, noon, the evening, and night time. Familiarize your kid with these concepts by associating each concept with certain activities. Then quiz your kid by asking them when certain things happen.

For example, “In the morning we eat breakfast and brush our teeth. At noon, we eat lunch and take a nap. At night, we read a book and go to sleep.”

What happens next?

Since you have completed steps 1 to 3, your child will have an idea about what time means.

Also, the child understands movements on the clock. In this step, the child is able to understand the basic fractions (especially half past) on the clock.

Plus, when he/she gets a watch, the attempt to tell time more accurately improves.

Your child will be introduced to the clock through these steps and activities. Not only do these activities engross your child, it’s a fun way to pass time together.

While one child may tell time in a matter of days, another may not be inclined towards time for weeks after you begin. In both cases, make sure that you keep your instructions and activities going and buy your children their own clock.

3
Dec

Learning the Secrets about Sales

Good habits are the foundation of wealth. If you watch successful people you will see their day is filled with consistent habits that save time, improve focus and ultimately help accomplish more daily. Successful people get up early, learn daily, make lists & set goals and track their progress.

• Get Up Early.

Make the first two hours of your day the most important. It will not only set the tone for the day but will give you a game plan for everything else that follows. These two hours can be used for activities you enjoy such as exercise, meditation or completion of a project or activity from the previous day. The early morning is free from distraction allowing you to do more of whatever you enjoy.

• 20 Minutes Of Learning Daily.

It is important in any business to know what is going on at all times. Trying to master every aspect of the business may seem intimidating but is less difficult if you spend some time on it daily. Regardless of how busy you may be you can squeeze twenty minutes of learning into your daily routine. You can find this time on an audiobook driving to or from an appointment or on the treadmill as you get some exercise in.

• Make Lists & Set Goals.

Success is often easier if you plan exactly what needs to get done. Before you go to bed you should plan for the next day. Tackle the toughest task first and go from there. Planning your goals not only makes you efficient but gives you a sense of direction and purpose. The most successful people in the world have one thing in common, they all say their goals out loud three times daily. This helps to reinforce their direction and keeps them on track in accomplishing their goals. Try it and see how much closer you get to reaching your goals!

• Track Progress.

If you don’t know what is working, is impossible to gauge the results? At the end of every day you should take some time to evaluate what you did to build on your progress. If you failed to do anything, you need to ask yourself why and then develop a new plan to stay on track.

You ultimately control where you go in Life. Changing habits is never easy but is essential for growth. Start by incorporating these four habits into your daily life and see the difference it makes towards your success.

12
Nov

4 Basic Guidelines for Investing In Smaller Income Properties

Many people come to realize, real estate is often, an important component in one’s overall investment portfolio. This does not mean, doing so, and omitting other possibilities, such as stocks, bonds, etc. This article is not meant to advise the investor, who has the savvy, abilities and financial assets, to invest in huge projects, but rather, relates far more, to investing in two to eight – unit houses, or mini – developments. Understanding some basic guidelines, and considering them carefully, logically, and unemotionally, should help one make the best choices. Remember, when you invest in income properties, your mindset must be, based on economic factors. Here are 4 essential factors/ guidelines, to consider.

1. Financial feasibility: Does this investment make economic or financial sense? Can you make a profit, which justifies your investment? Is it financially feasible? What are the risks, downfalls, predicted occupancies, etc? Will you commit to being conservative on the revenue potentials, but far more knowledgable and ready for potential expenses? Begin by using the 6% Rule! The 6% rule means analyze the potential by considering whether you can make a 6% cash – flow profit, without considering factors such as depreciation, etc. For example, if the property cost one million dollars ($1 million), your net cash flow must be, at least, $60,000 per year, or $5,000 per month. To do this, you must consider taxes, as well as owner – paid utilities, maintenance, capital improvements, etc, and end up with at least $60,000 per year. If your taxes are $30,000, and you estimate maintenance expenses at $500 per month (($6,000), then the rents must come to $96,000 per year ($60,000 base requirement + $30,000 taxes + $6,000 maintenance reserves). Therefore, in this example, you must ask yourself if the project, will be capable of collecting $8,000 per month, in rental income!

2. Maintenance/ capital reserves: How old is the roof? Since most roofs are rated at a 20 – year usable life, if it’s relatively new, you should allocate a smaller amount, than if it’s older. Water heaters are normally rated for 10 – years. Never under – estimate! When will you need to paint the exterior, and how often will you need to do interior painting? Know your potential costs up – front, and plan accordingly! Don’t forget insurance, etc.

3. Location: Factor in the location, not as you might for residential, private homes, but in terms, of the type of property. Does that location help, or hurt, the income potential, etc?

4. Real estate taxes: Remember, real estate taxes rarely go down, and usually rise. Look at this property’s tax history, so you have some idea of the average yearly increase. Plan fully and smartly, from the onset!

In the right circumstances, and when the selected property meets the criteria, etc, investing in these types of properties often makes lots of sense, and may become an important component in one’s portfolio. However, if you fail to take a complete look, you might be confronted with the proverbial, Money Pit!

12
Nov

Tips For Buying Investment Property

Buying an investment property single-handedly could be a complicated and overwhelming process, especially if it is overseas. Some of the hurdles you might face through the process include,

  1. Choosing a favorable neighborhood
  2. Selecting the right property with all the desirable amenities nearby
  3. Allocating enough time to contribute to all aspects of buying
  4. Analyzing the prospects of the house
  5. Fixing the right budget
  6. Succeeding to fix a desirable price
  7. Understanding and performing paperwork

These are some of the issues you have to face if you plan to buy it on your own. Without a realtor you might end up paying a fortune for a house that is nowhere near to deserve a price like what you actually spend. So the number one tip would be to get the job done from reliable realtors who have the experience and expertise in handling investment property of all sorts.

Here is a quick guide to help you get through the process of buying a worthy investment property anywhere in the world.

Finding the right property

When you decide to buy a house, condo, townhouse or a vacation house for an investment property, give more importance to the neighborhood quality than the size of the home. Another aspect that you probably should vote for is for a house that favors a shorter commute to the city’s main locations.

Determining affordability

Don’t go overboard as you come across various properties. Be clear with your priorities among which your budget should be your primary concern. Hire a realtor who has vast knowledge of his sector and is efficient in the process of not only finding your dream property but also closing the deal for an affordable price. A realtor with such credentials will be able to determine your affordability Vs the cost of the property.

Determining comparable properties for sale

Instead of blindly playing by the rules, follow your instincts by comparing the cost of the property that you select with all the other similar types of properties in that locality. Your realtor would able to assess if the property that you have selected is worth the quoted price.

Accurate documentation

If you are a first time buyer, especially if you plan to purchase an overseas property, you have to be clear with the analyzing and performing of all the paperwork and documentation. If you find it beyond your realm, a realtor on the other hand would be well-versed in what is to be done and also makes sure if it is done correctly.

12
Nov

My Tips To Retain Property Managers

1. Put systems and procedures into place – Property Managers are creatures of habit and love to know what is needed and required of them. They want to know that the work is ready to go and they don’t need to go searching for what to do next. They want to be reactive, not proactive.

2. Time management – Possibly the biggest gripe from Property Managers is that there is too much to do and not enough time to do it in. The systems and procedures will assist a great deal with this hurdle.

I have a policy that tenants cannot walk in without an appointment. This is not accepted in any other industry and should be explained at sign up. Ask your Admin Team to let the tenant know that they are sorry but you are in another appointment, when would you like to book?

My phone calls under 9 minutes rule has been a lifesaver. At the start of an unexpected call, especially when I know they like to chat, I explain that I am happy to discuss the issues but I only have 9 minutes until my next appointment. The caller expects to need to get through everything in this time and they do. Magic!

3. KPI’s – We all have goals and without our KPI or Key Performance Indicators, we have nothing to reach for. Give your Property Managers their clear set of KPI, give them time frames and reward the team and individuals with incentives.We all love to reach our goals.

4. Make your own luck – Things do not happen by themselves. Plan your year ahead for training, conferences and holidays. Your Property Managers need to learn and interact with peers and mentors and holidays are important so that they do not burn out. This helps to bond the team and they learn and grow together.

5. Give back to the community – I worked for a company who did community work one day a month. As a team they went to a person’s home or a charity group’s building and did whatever they needed for a half to a whole day. This could be cleaning up a farmyard, packing boxes of food goods for homeless or folding paper to put letters into envelopes. It is not about what you want to do, it is about doing what is needed. This can double as marketing for your Property Management Department.