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coochiequeens · 1 year

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An update to an older story that’s goods news!

When Jenny Nguyen signed the lease to create her dream bar, she wasn’t sure it would stay open for more than a few months.

But earlier this month, 43-year-old Nguyen’s first-of-its-kind establishment in Portland, Oregon, celebrated its one-year anniversary. Aptly named The Sports Bra, it’s a sports bar where only women athletes appear on the TVs.

Business has been good, despite the niche business model and record inflation sending food and beverage prices soaring. The Sports Bra brought in $944,000 in revenue in the eight months it was open in 2022, according to documents reviewed by CNBC Make It.

It was profitable in that first year of business, Nguyen adds.

“It turns out, it’s pretty universal — that feeling of being a women’s sports fan and going into a public place, like a sports bar, and having a difficult time finding a place to show a [women’s] game, especially when there are other men’s sports playing,” Nguyen says.

Initially, she wasn’t sure the idea would work at all. The vast majority of money and attention historically goes to men’s sports only — a big reason why The Sports Bra was reportedly the country’s first bar to only play women’s sports on TV.

It’s also not the kind of thing Nguyen would ordinarily do: She describes herself as “very cautious, risk averse.” But her obsession with women’s sports and frustration with its lack of representation on television screens drove her to empty her life savings — about $27,000 — and give it a try.

“Me, personally, I thought the idea was brilliant and that [it was] what the world needs,” Nguyen says. “But I had no idea that the world would want it. I just wanted to give it a shot.”

How The Sports Bra went from running joke to reality

Nguyen is a lifelong basketball fan who played the sport at Clark College in Vancouver, Washington, before tearing her ACL. She’s also a longtime restaurant worker who spent three years as Reed College’s executive chef.

In 2018, Nguyen and a group of friends wanted to watch the NCAA women’s basketball championship game. They went to a mostly empty sports bar and still had to plead with a bartender to switch one of the smallest TVs — which played without sound — from a men’s sport to the women’s championship game, she recalls.

Together, they jumped up and down celebrating “one of the best games I’ve ever seen,” Nguyen says, as a buzzer-beating three-point shot sealed the championship title for Notre Dame. Afterward, she was struck by the normalcy of her situation.

″[We’d] gotten so used to watching a game like that in the way that we did,” she says, adding that they’d only find better viewing conditions “if we had our own place.”

Days later, she channeled her disappointment into a hypothetical: What would she name her bar? “The very first thing that came into my mind was The Sports Bra,” Nguyen says. “And once I thought it, I couldn’t un-think it, you know? It was catchy. I thought it was hilarious.”

For years, she joked about it. Then, the fallout from social justice movements like #MeToo and the country’s racial reckoning after George Floyd’s murder left her wanting to make a meaningful impact on the world and her community.

Nguyen, who came out as a lesbian at age 17, says she doesn’t always feel welcome at most traditional sports bars. The Sports Bra could help her, and anyone else who’d rarely felt accepted in other sports establishments, feel like she belonged.

“I thought about, if we can even get one kid in here and have them feel like they belong in sports, it’d be worth it,” she says.

Helping other women’s sports bars get started

At first, Nguyen had her savings, and $40,000 in loans cobbled together from friends and family. That would keep The Sports Bra afloat for three months, based on her cost estimates for labor, inventory and other overhead.

In February 2022, she launched a Kickstarter to raise $48,000 — enough money for an extra six-month financial cushion, to build up the sort of regular clientele any bar or restaurant needs to survive long-term.

To Nguyen’s surprise, the campaign raised more than $105,000 in just 30 days, thanks to a viral article in online food publication Eater. “At that moment, when I was looking at that Kickstarter graph, I thought to myself, ‘This might work,’” she says.

But the money, which came from around the country and world, was no guarantee of success. Actual people in Portland still needed to frequent the bar.

Today, there’s often a line out the door. Women’s basketball icons like Sue Bird and Diana Taurasi showed up, for an event sponsored by Buick, earlier this month. Ginny Gilder, co-owner of the WNBA’s Seattle Storm, has even waited in line to watch her team play on The Sports Bra’s TVs, Nguyen says.

That’s a far cry from the Kickstarter days, which Nguyen says only happened after she was denied business loans by multiple banks and small business associations. The denials commonly cited the high risk of a unique concept run by a first-time entrepreneur during a pandemic, she adds.

Even the bar’s core concept is a struggle: It’s hard to find enough women’s sporting events to fill up the televisions. Only about 5% of all TV sports coverage focuses on female athletes, according to a 2021 University of Southern California study.

Nguyen says she’s taken to reaching out directly to sports networks and streaming services, some of which have hooked her up with access to more women’s sports content. She also spends an inordinate amount of time “scouring” TV listings, a process she likens to “taking a machete and chopping through a jungle.”

But she’s no longer alone. Another bar specializing in women’s sports has opened in nearby Seattle, and Nguyen says she’s in touch with a handful of other prospective entrepreneurs asking her for advice on opening similar visions in other cities.

“I would love to have as many people experience the feeling people experience when they walk through these doors,” she says. “It feels very selfish to keep it to this one building that holds 40 people at a time.”

#USA #oregon #Portland #jenny nguyen #The Sports Bra #A sports bar for women and women’s sports #She was originally denied business loans

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allmantitleloans · 23 days

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fideidefenswhore · 1 year

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Hello! I wonder…how do you think Henry VIII and Anne Boleyn met (and I mean the meeting that led to their courtship because I know they probably encountered each other at other times earlier)? I feel like this bit gets glossed over a lot or people say they just encountered each other at court. What I find curious about that is that, if they just ‘met at court’ why did Anne only catch his eye in 1525/6, why not when she was at court before (in 1522/3)? Or do you think they met somewhere else (I’ve also heard Rochford Hall as a possibility). Is there any evidence of Henry visiting any of the Boleyn’s properties in 1525/6?

Oh, I love questions like this, thank you.

So, I think there are two possible pivotal moments that they would've become more on each other's 'radars', had their first 'conversation of significance', etc. The first would either be at, or in relation to, the wedding of the future George & Jane Rochford. There's no record that Henry was in attendance, but he might've made an appearance, particularly because the Boleyns were on the up and he had made up the shortfall of Jane's dowry (as gift, not loan) in this match. This has been estimated either late 1524 or early 1525.

& the second would be her father's elevation to the peerage as Viscount Rochford in 1525, an event Henry definitely attended (it's the same where Fitzroy was granted a veritable cascade of titles and high offices as well). It's probable both of these signs of favor would be something Anne would express gratitude for, this expression possibly opening the gateway to further conversation.

This is all very interesting because the common narrative is that she hated Henry for his interference in her relationship with Percy, etc. Unless she held a torch, though, there's not really much to indicate that she wouldn't have had a favorable view of Henry at the time. Really the only black marks would be that Henry denied her father a position he had promised him by word of mouth some years earlier; and possibly his prior relationship with her sister, depending on what Mary had divulged about that (did she feel 'abandoned' or had it been an enjoyable little interlude, etc, I don't know if this view is going to gain any traction but Gristwood and Paranque have recently both argued it's doubtful that Mary Boleyn even was Henry's mistress, so there's that too...). So when we're considering like, whether she was attracted to him, how favorably his attentions were received in the upcoming year(s), I think that's something to consider.

As for places, we only have intensive records of royal progresses for some years. Luckily one of those is that of 1526, but it's not very revealing. At times he was in the area of various Boleyn estates (which would not be that difficult, Thomas Boleyn owned upwards of thirty manors by 1526); but I don't see any scheduled stops unless I'm missing something.

#i don't believe that btw re: mary boleyn BUT when a previously unheard of argument comes to the fore #i like to cite that it's out there #anon #the progress was very subject to change though; sometimes scheduled stops were cancelled; it was all at the whim and pleasure of the monarc #so....

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yr-obedt-cicero · 1 year

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A volume from Hamilton's library, possibly signed by two of his sons

Hamilton had a large library and interest in several different types of books. His fascinating collection was said to have contained books in French, and different genres like philosophy, law, trading, and politics. Unfortunately, through inheritance and time the collection has been divided between several people and families most of it is lost to this day. But a particular interesting find is one of Hamilton's old books, Lex mercatoria rediviva; or, A Complete Code of Commercial Law: Being a General Guide to All Men in Business, by Wyndham Beawes.

With an account of our mercantile companies, our colonies and factories abroad, our commercial treaties with foreign powers, the duty of consuls, and of the laws concerning aliens, naturalization and denization: to which is added, a sketch of the present state of the commerce of the whole world, describing the manufactures and products of each particular nation, with tables of correspondence, and agreement of their respective coins, weights and measures.

The books is Volume 1, (241 x 152 mm), and is also the sixth edition. It lacks all preliminaries before advertisement leaf (including title-page), and all after S1 at end, there is dampstaining and light browning throughout it. Contemporary calf, smooth spine, morocco label, blind-stamped letter “H” for “Hamilton” to center; worn with losses to spine and corners, spine and text-block split down the center, hinges reinforced with cloth tape. Half blue morocco slipcase, chemise.

It's no surprise as to why such a book would be found in Hamilton's collection, commerce was rooted throughout Hamilton's childhood. At the young age of eight, in 1765, Hamilton would be a clerk for his mother's shop in Christiansted, St. Croix. After his mother's death in 1768, Hamilton soon found work in Christansted at the trade firm of Beekman and Cruger, who were both New York merchants. In an exceeding pace, he rose from clerk to manager, keeping the firm's books, dealing with ship captains, planters, merchants, Customers and suppliers, and buying and selling profitably on behalf of his employers. It was perhaps at Beekman and Cruger's that Hamilton first found Beawes's book on British commercial law.

In any case, Hamilton had definitely found the book in his hand during his college days at King's college. The book is quoted in his well-known pamphlet Farmer Refuted, in 1775;

“I shall sum up my whole remarks (says another writer) on our American colonies, with this observation, that, as they are a certain annual revenue of several millions sterling to their mother country, they ought carefully to be protected, duly encouraged, and every opportunity, that presents, improved for their increment and advantage; as every one, they can possibly reap, must at last return to us, with interest.”

Source — The Farmer Refuted, [February 23, 1775]

And later on in 1781, Hamilton asked Pickering for a copy of Lex mercatoria which he needed in order to compose an important letter to Robert Morris regarding the restoration of the colonies' credit and credibility in the eyes of foreign nations;

Let me know the result of your examination whether you can appoint a barrak Master to the French army; if you can, the General wishes you to appoint Col Champlin without delay. Have you the tract written by Price in which he estimates the specie & current cash of Great Britain? Have you Humes Essay’s, Lex Mercatoria or Postlethwait? Any of these books you may have, you will singularly oblige me by the loan of them. Be so good as to forward the inclosed by the first opportunity.

Source — Alexander Hamilton to Timothy Pickering, [April 20, 1781]

Later on Hamilton must have purchased another edition, as this particular copy was sold by H. and P. Rice, No. 50, Market-Street, Philadelphia, in 1795. And then signed his name in the Content's passage;

What is most interesting about this book though is the two signatures on the back possibly signed by Hamilton's eldest and youngest sons, Philip Hamilton, and “Little Phil”.

Philip seems to have taken a considerable interest in literature and there are many mentions of him lending or reading books. Philip graduated from his father's alma mater, King's College, in 1800 and immediately embarked upon a regimental reading of the law laid out by Hamilton. The books contains subjects and insight of law, which is likely why Hamilton might have passed it down to his son. But in 1802, challenged to a duel after an argument and scuffle that involved disparaging remarks about his father's political party, Philip was fatally wounded at Paulus Hook. Later that year, Eliza gave birth to their youngest son, who was named after his deceased brother. And might have taken up his volume of Lex mercatoria as well.

There have been more of Hamilton's old books found with his children's signatures inside of them. Another case being a book located in Columbia College (Formerly known as King's college) with Philip's and Hamilton's fourth son's signature, James Alexander Hamilton's. Although it has been argued that these “Philip signatures” could be Hamilton's great-grandchildren's, rather than his children's. As James did have a grandson named Philip and could have given the book to him instead of it originally belonging to his eldest brother;

In addition, it is interesting to note that Alexander Hamilton's son James—who was born and lived in New York, later returning and becoming an attorney like his father—was married to a daughter (Mary) of Robert Morris, whose inscription appears opposite the title page of a book of a different kind owned and autographed by Alexander Hamilton. Morris comments there that this book was given to him by Alexander in place of one that Morris had loaned to Alexander, who mislaid it. But the book in question is not in itself of direct interest here.

Although certain other books bearing Alexander Hamilton's signature of ownership are not of direct interest here, one of them is also autographed by Philip Hamilton. Philip was the name of Alexander Hamilton's oldest son (killed in an 1801 duel) as well as the name of the grandson of Alexander's third son, James, cited above. Since Alexander's son Philip (b. 1782) was nearly 20 when killed prior to his father's death, it is likely that he, like his younger brother James, inscribed his name in such books, even before their father's death in 1804, that is, in books that Alexander possessed and gave to his sons and that like others remained in Alexander's family orbit for him to see. Or, the book in question could have been acquired by Alexander's son James and later handed down to James' grandson Philip, although in that case one might have expected James to be an autographer as well, which he was not.

Source — Origins of Legislative Sovereignty and the Legislative State, Volume 6, by A. London Fell

Which could be an argument here, but there is no indication this particular book was passed down to anymore children after Phil signed his name.

When comparing the similarities of the signatures with the signatures seen from the brothers in their letters, it is safe to assume the signature on the left page is Phil II's, and the one on the right is Philip's. As Philip seems to have often merely left his first name signed off as nothing but a “P”, usually taking on an “O” shape. While Phil seems to have preferred writing out his full name.

Little Phil's signatures;

Philip's signatures;

Although it is debatable, as Sotheby's disagrees and claims Philip's signature is on the front free endpaper—while Phil's signature is on the front pastedown.

Source: Sotheby's.

#amrev #american history #alexander hamilton #historical alexander hamilton #philip hamilton #philip hamilton ii #history #historical artifacts #hamilchildren #hamilton family #hamilton children #hamilkids #hamilton kids #cicero's history lessons

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ezcartitleloans-blog · 5 months

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dreaminginthedeepsouth · 1 year

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A Hotter Planet Takes Another Toll on Human Health

A new hypothesis about heat waves, redlining, and kidney stones.

By Bill McKibben

January 19, 2023

Shortly after the New Year, the Washington Post ran a story with a headline that would have seemed inexplicable, even runic, to most readers just a few years ago: “The world’s torrid future is etched in the crippled kidneys of Nepali workers.” But we’re growing used to the idea that the climate crisis, in Naomi Klein’s phrase, “changes everything,” so why not the internal organs of Nepalis? Remarkable reporting by Gerry Shih tells a series of unbearably poignant tales: young Nepali men, struggling to earn a living in their impoverished homeland, head to the Gulf states to do construction work in the searing heat, some without access to sufficient water, some until they collapse. (Other reporting also shows that some Nepalis who work abroad resort to the black market for a transplant that might keep them—and the families that depend on the money they earn—alive.) The piece ends with a man coming back to the care of his sister, who donates her own kidney to save him. The costs of the medical procedures require that he sell his half-built house, and that he give up his life’s dream, which was to get married.

The Post was right: the world’s future is likely encapsulated in this story. The planet is getting steadily hotter, and large swaths of it are moving past the point at which it’s safe to do heavy outside labor in the middle of the day. A 2022 study estimated that six hundred and seventy-seven billion working hours a year were already being lost because it’s too hot to go outside and build things or farm. The researchers assessed the cost at more than two trillion dollars annually, but, of course, it could also be measured in other units—in vital organs, or dreams.

But it’s not just the future that’s illuminated by such studies; it’s the past as well. Unless you’ve been keeping up with your issues of Current Opinion in Nephrology and Hypertension, you may have missed a recent article titled “Redlining has led to increasing rates of nephrolithiasis in minoritized populations: a hypothesis.” I saw it only because one of the medical experts who wrote it—David Goldfarb, who runs the dialysis unit at New York’s V.A. hospital and teaches at New York University’s School of Medicine—is an old family friend. He forwarded it to me, and it fairly blew my mind.

“Nephrolithiasis” is the technical term for the development of kidney stones, those small formations that, as they pass, can cause excruciating pain. (I’ve never had them, but I know more than one man who has said he came away from the experience with a newfound appreciation for what his wife had undergone during labor.) Doctors have long known that higher temperatures lead to more sweat, which reduces urine volumes and thus increases “the saturation of the insoluble salts that cause kidney stones.” During heat waves in the U.S., it takes just three days before emergency-room visits for kidney stones begin to spike.

For reasons that remain unclear, kidney stones have traditionally been more common among white people, but, in recent years, doctors have noted huge increases among Black Americans and a significant rise in Latino communities. The authors of the new article looked to the past for a possible explanation—particularly to the nineteen-thirties, when a federal agency, the Home Owners’ Loan Corporation, graded all of America’s neighborhoods and deemed some of them “hazardous” for investment, essentially because they were home to large minority communities. This grading system (from A for “best” and B for “still desirable” to C for “declining” and D for “hazardous”) underlay what came to be known as redlining. The grading system led to “chronic disinvestment” in the lower-rated neighborhoods, resulting, over time, in less of everything from parks and green spaces to street trees and air-conditioning in homes.

Now the results can be measured with a thermometer: in Portland, Oregon, the authors report, neighborhoods that were graded A in the nineteen-thirties now “average 8 degrees Fahrenheit lower than the city’s mean temperature, while D-graded neighborhoods average 4.8 Fahrenheit degrees warmer.” Actually, you don’t need a thermometer—that’s a thirteen-degree gap that anyone can feel just by walking across town. No one has carefully studied the incidence of kidney stones among these different neighborhoods, but the authors, in their hypothesis, point to research now under way. Similar work on asthma, another heat-related disease, has shown emergency-room visits are 2.4 times higher in redlined tracts.

Indeed, Goldfarb’s son Ben—an environmental journalist who this year will publish a book called “Crossings,” on the environmental impact of roads—writes that the HOLC grading program produced all kinds of deleterious health effects. In Syracuse, Miami, Minneapolis, and other cities, large parts of neighborhoods that the agency had redlined—and whose residents were mostly Black—were bulldozed to make room for interstate highways. He told me, “Minorities today disproportionately live near the urban freeways that displaced them, and suffer as a result. Air pollution causes asthma and cancer; noise pollution increases the risk of heart disease and stroke; and the physical fragmentation wrought by highways shatters local economies. It’s heartbreaking, though hardly surprising, that disastrous policy decisions made decades ago continue to destroy bodies and communities today.”

It’s true that everyone is going to pay some price as the planet cooks. The authors of the nephrology study predict a likely additional cost to the U.S. health-care system of at least a billion dollars a year. But some people are going to be hit much harder than others because of history. Doing justice in the present requires taking that past seriously—understanding how we ended up where we are, and why we must put those with the least first, as we try to address the future. But we’re at a moment in this country when the idea of historical responsibility is increasingly seen not as logical and obvious but as some kind of invidious political correctness.

In April, 2022, Governor Ron DeSantis, of Florida, signed the Stop Wrongs to Our Kids and Employees Act, or the Stop WOKE Act. (In introducing the bill, he had said, “In Florida we are taking a stand against the state-sanctioned racism that is critical race theory,” adding that “we won’t allow Florida tax dollars to be spent teaching kids to hate our country or to hate each other.”) A preliminary injunction was issued against the act, which includes a dictum against any school teaching that “a person, by virtue of his or her race, color, sex, or national origin, bears personal responsibility for and must feel guilt, anguish or other forms of psychological distress because of actions, in which the person played no part, committed in the past by other members of the same race, color, national origin, or sex.”

But, even if you can silence teachers, legislation can’t muffle the effects of history. On a hot summer’s day in Jacksonville, Florida, where DeSantis was born, the temperature in A neighborhoods is 5.5 degrees below the mean, and it’s 4.4 degrees above the mean in the D-rated communities.

#political cartoon #climate change #Bill McKibben #Nephrology #kidney stones #minority communities #articles #reckonings #redlining

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lidensword · 2 years

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Some Historical Facts and curiosities about the Marquis of Pombal and his influence on Portugal (XVIII century)

Born Sebastião José de Carvalho e Melo, the king José I attributed to him the titles of Count of Oeiras and later Marquis of Pombal (”Marquês de Pombal” in portuguese).

The Marquis was Secretary of State and Prime Minister during the reign of José I. His administration was marked, among other things, by a famous setback: the 1755 Lisbon Earthquake.

This event took place on November 1st of that year and started with an earthquake, whose magnitude is estimated to have been close to nine on the Richter scale, which was followed by a tsunami and fires that lasted for several days. As a curiosity, Voltaire wrote about this episode and its consequences.

The king didn’t know how to react before that situation and granted the Marquis of Pombal almost unlimited freedom and power in the government of the country, for he had put all his trust in him.

Helped by several architects, namely Eugénio dos Santos and Manuel da Maia, he rebuilt the destroyed part of the capital, giving birth to a new Lisbon, with a different architecture and anti-seismic structures, the so-called "Gaiolas Pombalinas". The main area where these radical changes can be observed is the Baixa Pombalina.

It is said that right after the disaster in 1755 and the devastation of a considerable part of Lisbon, the King would have asked him “What about now?” and the Marquis would have answered him (English translation below):

Marquis of Pombal: Now the dead shall be buried and the living cared for!!

I shall now share some curiosities.

Portugal was going through an economic crisis and asked for a loan from England, his ally when it comes to business relationships.

The country needed a guarantee that the loan could be made safely, that is, without the risk of Portugal not being able to repay the loan. For this, the country’s gold reserves were a measure of the trust that the collecting country could have in the other.

To achieve what was intended, the Marquis stated that Portugal had wealth that allowed England to accept the deal. It is said that he showed the barrels containing the country's gold...

However, Portugal did not have all the gold the Marquis claimed. Indeed, a large quantity of gold arrived from Brazil in Portugal during the reign of João V, but it was largely used for the construction of great monuments - among them, the convent of Mafra and the Aqueduto das Águas Livres.

But the marquis was a clever man (or should I say cunning? :] )

What it is said he did was fill the barrels with sand and placed the gold ingots on top to make people believe that the country had more funds than it really had so the English agreed to make the loan to Portugal.

Another curiosity:

Even before being queen, Maria I, daughter of José I, had never approved of the marquis' actions. She even had his bronze effigy removed from the pedestal of the statue of the late King José I (which can be found in the current Praça do Comércio, along with the Marquis' bronze effigy, as it was replaced years later). The reason why she dislike him greatly was her religious fanaticism: the Marquis was responsible for expelling the Jesuits from mainland Portugal and its former colonies as well as partially removing the authority of the religious order (not to mention the process of the Távoras).

In 1777, after the death of José I, Maria I was acclaimed queen and the Marquis resigned, returning to Pombal.

Then the queen ordered him not to come back to the capital and to remain on his lands in Pombal.

Later, however, the marquis dared to come to Lisbon. It is said that he covered the floor of his carriage with dirt from Pombal as a provocation.

#XVIII century #Marquis of Pombal #1755 Lisbon Earthquake #historical facts and curiosities #my messy watercolour style #my drawings

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alexeiadrae · 1 year

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Mega Brand Q&A with Hajime Kanzaka, March 2023

Alas, HK says that writing the short story did not help the writer’s block for novel 18 and that there has been no progress. Below is the Q&A for March 2023.

Q: The only thing stronger than the Sword of Light is the Hungry Bone Staff, but is the Hungry Bone Staff that Ruby Eye created more powerful than the Sword of Light? If so, when we consider the story that "Dark Star created and scattered weapons that could kill him," does this mean that Ruby Eye can defeat Dark Star by himself without using the weapons that Dark Star has prepared? However, in the case of the shards, the estimated power ratio is 1:7, and if Dark Star has taken in Volfeed, the disparity seems to be even wider, so Ruby-Eye is usually at a disadvantage.

KANZAKA: "As to whether it is powerful or not, it depends on the user. It's the compatibility and the way you use it. If Ruby Eye is going to use it, then of course it is more powerful to use the bone staff that you are familiar with. In addition, Dark Star's 'weapon that can kill you' is not 'easy win without question,' but is at the level of 'possible.'"

Q: What are the advantages of having the title of Mage? Is it advantageous to put it on a resume or a fishing report, or is it easier to get a loan due to higher social credibility?

KANZAKA: "First of all, it gives you a certain degree of credibility within the Sorcerer’s Guild. Without it, it will be difficult to buy special mage materials. Also, if the title can be proven to the outside world, there is a possibility that royalty and nobility, who are knowledgeable in such fields, will give you some kind of preferential treatment.

Q: Zelgadis wanted to defeat Rezo. And when he temporarily collaborated with Lina, he stepped in and wanted the Philosopher's Stone because even he, Rodimus, Zolf, Gourry, and Lina could not win. Have he ever thought of using his own Ra Tilt or Zolf's Dragon Slave to assassinate him in the past? Like having Zolf blow him up in the distance or far away when Rezo was relaxing in some mansion.vI think Rezo is a human, even though he has a piece of the Demon Lord in him, and if the above magic hits him directly, he would die as a stone.

Also, how did he plan to use the Philosopher's Stone to defeat Rezo?

KANZAKA: "As for Zel, he was aiming to overthrow Rezo, but at the same time he was also aiming to become human again. Then the Philosopher's Stone, which has great magical power, appeared, and if it fell into Rezo's hands, the balance of power would completely shift to the other side. In order to prevent this, Zel had no choice but to leave at that time. Also, if Rezo had the means to turn himself back into a human, zEL would have lost it forever, so he would not have carried out the assassination in the past. Of course, there is also the aspect that Rezo was wary of it, so he never went through with it."

Translated with www.DeepL.com/Translator (free version)

#mega brand #megabura #q&a #Hajime Kanzaka #zelgadis greywords #rezo #sorcerer's guild #shabranigdu #dark star #hungry bone staff

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mariacallous · 2 years

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This essay was written by Arseny Kumankov, a professor at the The Moscow School of Social and Economic Sciences. In 2022, Kumankov published a book titled War in the 21st Century, in which he analyzed modern military conflicts from a moral perspective. He wrote this piece for Meduza’s Ideas section.

Participating in the war against Ukraine is a moral crime. For this reason, we have an obligation to do everything possible to avoid becoming complicit in this aggressive, unjust war. There are a number of reasons to regard Russia’s invasion of Ukraine and its subsequent mobilization this way. The first reason is that the Russian government has violated its social contract with its people. The second reason is that people are being sent to war by an illegitimate power that is playing on a false sense of patriotism. And the third reason is that the war itself is a criminal act of aggression against the citizens of Ukraine. The last reason is the primary one. But I’ll begin with the points that apply directly to Russians.

Dissolving Russia's social contract

Right now, the Russian state professes to be defending Russian society from external threats in exchange for requiring its citizens to participate in combat on the territory of a foreign country. That’s exactly how Putin explained his decisions to start the war and, later, to begin “partial mobilization”: he said the measures were necessary to protect Russia, its territorial integrity, its sovereignty, and the security of its people. Government officials and propagandists began repeating the mantra that people owe a debt to their motherland: it raised you, clothed you, educated you, treated you, and now it’s time for you to serve it. And if you don’t want to serve, you’ll get 10 years in prison for evading your military duty. Putin’s government is collecting people’s debts to their motherland like a loan shark.

The course of events has made clear that the decision to launch the war was made on the basis of false or distorted data about the conditions and the abilities of both the Russian and Ukrainian armies, about attitudes within Ukrainian society, and about the willingness of the West to make unified decisions in response to the invasion. Russian troops weren’t ready for large-scale conventional warfare, and they weren’t properly equipped. Their military leadership lacked a coherent, long-term strategy that would account for various possible conflict scenarios. If we take the average of the various casualty estimates, we can say with considerable confidence that this war is at risk of becoming the deadliest war for Russia since World War II.

The state also failed to fulfill its obligations to its soldiers in peacetime. The army has frequently been used in Russia as a form of punishment — just recall the story of opposition figure Ruslan Shaveddinov or hockey player Ivan Fedotov. Military service has always been tied to disempowerment and deprivation: hazing, forced labor, beatings, extortion, and hunger.

It’s now obvious to everyone: the Russian state cannot and will not be able to provide for the new conscripts. It’s not going to train them and it’s not going to engage in unit cohesion for the newly created detachments. That would require months of training, resources, and specialists with military experience. A significant portion of those specialists are already on the front, and nobody’s going to call them back to prepare some mobilized reinforcements. That means that by doing this, the state is putting the lives of tens of thousands of its own citizens at risk.

The state’s tacit refusal to fulfill its duties to its soldiers is part of its wider refusal to protect the rights of its citizens altogether. The most recent step in that direction was formalized by the 2020 constitutional amendments.

Those amendments gave Putin the ability to remain in office until 2036, while practically destroying the separation of powers in the Russian government. The amendments also supplemented the Constitution with a certain set of obligations that the state owes to its citizens. The result was a contract: the social benefits and the remaining rights afforded to citizens by the law were traded for the removal of restrictions on the current leader’s term in office.

This was preceded by other, similar changes — implicit contracts that cost society more and more each time. Each time, the state revoked the old contract and offered a new one — and was never met with any resistance. In 2007–2008, prosperity and opportunities for private business were exchanged for increased state control. In 2011–2012, the state guaranteed stability and relative freedom in people's personal lives in exchange for them staying out of politics. Civic responsibility and political involvement were sacrificed in exchange for full refrigerators.

Today, the state is offering Russians another new contract. This time, it's offering to protect Russia’s “special path” in exchange for citizens' participation in the war. No civil liberties, no full refrigerators. Maybe this time, society is finally realizing it doesn’t owe anything to an institution that doesn’t hold up its own end of the bargain.

A core component of the idea of a social contract is that of reciprocity. The state must safeguard the security and prosperity of its citizens, while the citizens must sacrifice some of their freedoms, obey the law, pay taxes, and participate in their country’s defense. The mutual obligations are what give the contract its legitimacy. If the state loses its ability to ensure security and prosperity, that means it’s failing to perform the function for which people agreed to obey it. When that happens, the social contract loses its power. That’s exactly what’s happened here.

A moral abdication

Russia's mobilization is being presented as a patriotic obligation. Patriotism is a moral category that involves not a contract between the state and its citizens but a love for one’s motherland. On the day of the mobilization announcement, that’s exactly the feeling State Duma Security Committee chairman Vasily Piskarev spoke of: “Everyone has a desire to protect his country, and that’s the duty of every citizen — especially men. Historically, it’s a man's purpose. If he doesn’t defend his family and his motherland, then he’s not a man; I don’t even know what he is. He’s nobody, in my view.”

Patriarch Kirill spoke about sacral love and sacrifice in his less-than-optimistic parting words to soldiers: “Go boldly to fulfill your duty. And remember that if you lay down your life for your motherland, for your friends, then you’ll be together with God in his kingdom, in glory and eternal life.

Russian society has given the state the right to make decisions not just in the civic realm but also in the moral one. In response, the state itself has decided what it means to be a patriot, defining it in terms of hatred and denial: the negation of Ukraine as an independent state, of Ukrainians as a people with their own culture and language, and of the U.S., Europe, the West, Anglo-Saxons, and life itself.

Must patriotism always be based solely on the necessity of defending oneself and attacking others? On waging wars, defending frontiers, and expanding one’s borders? This reduction of patriotism to struggle and death completely dilutes its creative dimension: the love for one’s Fatherland as expressed in honest work and civic participation. In other words, everything that was possible to do safely in Russia before the start of the armed conflict in Ukraine in 2014 and the invasion on February 24.

The mobilization announced by Putin deprived the traditional values of duty, patriotism, and service to one’s motherland of their moral weight. The war in Ukraine is not just a violation of the civil liberties of Russia’s citizens; it’s also a moral crime against the citizens of Russia. In circumstances like these, it’s imperative to refuse to participate in collective national suicide. It’s imperative not to participate in the war just because it’s being waged by one’s motherland.

A crime against the citizens of Ukraine

Every Russian soldier who participates in the war is claiming the right to control the lives, health, security, and property of Ukrainian citizens. Where could that right have come from? Perhaps, having insufficient information and misled by Russian propaganda, Russian soldiers thought at the start of the war that they had this right or that they were working in the interests of Ukrainian citizens. They may have seen it as their job to liberate Ukrainians from an immoral regime that the Ukrainians themselves hated. They may have believed they were fighting a defensive war against the NATO countries.

But since the start of the invasion, there’s been a great deal of evidence that Ukrainians don’t consider Russian soldiers to be acting in their interests and don’t consider Russia’s invasion an act of assistance or liberation. Meanwhile, despite the Russian army’s numerous painful defeats, heavy losses, and consequent weakening, NATO is in no hurry to attack Russia. All of those things are a testament to the falsity of the war’s premises and the importance of discarding them.

One might argue that decisions regarding war are made by politicians and that it’s not the business of soldiers to judge the character of a war or whether the war they’re fighting in is justified. But soldiers can be held responsible for carrying out illegal orders. According to international law, orders violating the laws and customs of war; orders to murder, torture, and enslave people; and orders to commit crimes against humanity and acts of genocide (including the extermination of all or part of any group of people on national, racial, religious, or ethnic grounds) are considered illegal. Soldiers have a moral responsibility to come to their own conclusions about whether the war they’re fighting in is justified.

Of course, the state is responsible for creating social conditions in which determining whether a war is justified becomes impossible or undesirable. Serving as a contract soldier is often the only way a person has to get out of poverty and unemployment. Because press freedom has been repressed, many people are powerless against propaganda. All of this could explain Russians' decision to join an unjust war. But the conditions created by the state doesn’t absolve soldiers of responsibility. The only way not to commit crimes in these conditions is to abstain from participating in the war on Russia’s side.

The history of the 20th century is full of examples of how disastrous it can be when a society fails to fully consider the acts its party, state, or leader calls on it to participate in. Moral sleeping pills, as the British sociologist Zygmunt Bauman called them, lead to widespread violence. The moral responsibility that the people of Russia — including both soldiers and civilians — have to the people of Ukraine is defined by the principle of non-intervention. We can’t act aggressively towards people who haven’t provoked aggression.

Participating in Russia's war against Ukraine is a moral crime. Therefore we must do everything possible to ensure we don’t become complicit.

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mysmartcousin · 7 days

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How to Buy Rentals at Auction: Tips and Tricks

Buying rental properties at auctions can be a lucrative venture for investors looking to expand their real estate portfolios. However, the process can be complex and intimidating for beginners. In this guide, we’ll walk you through the essential tips and tricks on how to buy rentals at auction, ensuring you’re well-prepared to make informed and profitable investments.

Understand the Auction Process

Before diving into the specifics of how to buy rentals at auction, it’s crucial to understand the auction process itself. Real estate auctions typically fall into two categories: foreclosure auctions and tax lien auctions.

Foreclosure Auctions: These occur when a homeowner defaults on their mortgage, and the lender seeks to recoup the remaining loan balance by selling the property.

Tax Lien Auctions: These happen when property owners fail to pay their property taxes, and the government sells the property to recover the owed taxes.

Research the Market

One of the most important steps in learning how to buy rentals at auction is thorough market research. Understanding the local real estate market will help you identify potential investment opportunities and avoid overpaying for properties.

Analyze Comparable Sales: Look at recent sales of similar properties in the area to gauge market value.

Neighborhood Analysis: Consider factors such as school districts, crime rates, and local amenities, which can affect rental demand and property values.

Inspect the Properties

Unlike traditional real estate transactions, auction properties are often sold “as-is,” meaning you might not have the opportunity to inspect the property beforehand. However, whenever possible, try to inspect the property or at least perform a drive-by to assess its condition.

Check for Red Flags: Look for signs of structural damage, neglect, or significant repairs that might be needed.

Estimate Repair Costs: Factor in potential renovation costs into your budget to avoid surprises after purchase.

Secure Financing

Having your financing in order is crucial when buying rentals at auction. Auctions typically require buyers to have cash or pre-approved financing since transactions often need to be completed quickly.

Pre-Approval: Get pre-approved for a loan to ensure you have the necessary funds ready.

Hard Money Loans: Consider hard money loans if you need quick financing, but be aware of their higher interest rates and shorter terms.

Set a Budget and Stick to It

It’s easy to get caught up in the excitement of bidding, but it’s essential to set a firm budget and stick to it. Determine the maximum amount you’re willing to spend on a property, including repair costs, and don’t exceed it.

Calculate Total Costs: Include purchase price, closing costs, and potential repair and holding costs in your budget.

Avoid Bidding Wars: Stay disciplined and avoid getting into bidding wars that can inflate the property price beyond its actual value.

Attend Auctions

Attending auctions is a practical way to learn how to buy rentals at auction. It allows you to observe the process, understand the dynamics, and become comfortable with the environment.

Scout Local Auctions: Start with local auctions to gain experience and understand the nuances of bidding in your market.

Online Auctions: Explore online auctions for additional opportunities, but be sure to understand their specific rules and procedures.

Perform Due Diligence

Performing due diligence is a critical step in how to buy rentals at auction. Ensure you have all the necessary information about the property before making a bid.

Title Search: Conduct a title search to ensure there are no outstanding liens or claims against the property.

Auction Terms: Review the auction terms and conditions thoroughly to understand the bidding process, payment requirements, and any additional fees.

Conclusion

Buying rentals at auction can be a rewarding investment strategy if approached with careful planning and due diligence. By understanding the auction process, researching the market, inspecting properties, securing financing, setting a budget, attending auctions, and performing due diligence, you can increase your chances of success.

At MySmartCousin, we’re dedicated to helping you navigate the complexities of real estate investment. By following our tips and tricks on how to buy rentals at auction, you’ll be well-equipped to find and secure profitable rental properties. Whether you’re a seasoned investor or just starting, our expert advice can help you achieve your investment goals. Happy bidding!

#BuyRentals #RentalProperties #RealEstateInvesting

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privocorp3 · 12 days

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Title Tremors: The Potential Shake-Up to the Industry at NS3 2024

If the whispers from Washington prove true, a seismic shift may be expected in the title insurance sector – one that could reverberate through the halls at this year’s NS3 2024 conference in sunny Naples. Rumor has it, that the Biden administration is eyeing the elimination of title insurance requirements when refinancing federally backed mortgages. A bold move that could put thousands back in homeowners’ pockets but could have title professionals bracing for impact.

For those unfamiliar with the title insurance landscape, it’s a world built on meticulous research into a property’s history and legal obligations. A failsafe of sorts, ensuring homebuyers aren’t inheriting a tangle of ownership disputes, unpaid taxes, or other lurking claims. The cost? Generally, 0.5-1% of the home’s value, running into the thousands for many mortgages.

But now, some in the administration view title insurance as an unnecessary expense when simply refinancing – taking advantage of lower interest rates without changing ownership. Their reasoning? If you’ve already purchased a home and paid for title insurance once, why foot the bill again just to adjust your loan terms?

The potential savings are eye-watering, with industry insiders estimating over $1,000 on average for each refinanced mortgage. Multiply that across the millions of American homeowners, and you’re looking at billions back in consumer pockets – A tantalizing prospect in an era of inflation and economic anxieties.

Yet as hopeful homeowners imagine that influx of cash, title company executives may be recalculating their projections. This policy shift could profoundly impact an industry that, in 2020 alone, raked in $16.9 billion in premiums across the country.

The push for this change isn’t new; it’s been periodically rekindled over decades by consumer advocates crying foul over what they view as an unnecessary recurring cost. But the title world has long defended its turf, wielding the sword of protecting the American dream from inadvertent property pitfalls.

Their counterarguments are compelling: properties don’t remain in Legal stasis after the initial purchase. Unpaid contractor bills, undiscovered heir claims, fraudulent previous transactions – a multitude of issues could arise between an initial home purchase and a refinance years later. Without a fresh title examination and insurance policy, the argument goes, homeowners could be stuck with a financial and legal quagmire.

Then there are the practicalities of how such a policy would be implemented. Would title companies be allowed to charge a reduced rate for the scaled-back refinance research? If not, critics warn the unintended result could diminish diligence in examining title histories, raising the potential for future issues.

While change may be on the horizon, the title world remains steadfastly committed to its core mission – safeguarding the dream of homeownership for everyday Americans.

At NS3 2024, attendees can expect a productive dialogue focused on developing solutions that balance consumer interests with proper diligence. The next generation of professionals will gain invaluable insights on skillfully navigating this evolving landscape in a way that continues to provide vital protections for homebuyers. For the title industry, ensuring families don’t get blindsided by unexpected costs, legal issues or previous defects remains paramount. Their work is about removing potential landmines from one of life’s largest investments and greatest aspirations.

Though the pathway may shift, the title world remains dedicated advocating for consumers, aiming to make the home-buying process as safe and secure as possible. Regardless of your stance, one thing is certain: with stakes this high, the title tremors radiating from the nation’s capital could produce nip-opening shockwaves across the Naples beachfront when NS3 kicks off. Attendees would be wise to ride the wave of this debate, lest they risk being swept away by the changing tides.

So mark your calendars for NS3 2024 in Naples. Whether you’re a crusader for consumer savings or a steadfast guardian of the title process, this conference promises the titanic collision of perspectives that could forever reshape the landscape of residential refinancing. The only question is: which side will you grab your surfboard for when the swell arrives?

To Know More: https://privocorp.com/blog/title-tremors-the-potential-shake-up-to-the-industry-at-ns3-2024/

#NS3 2024

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allmantitleloans · 1 day

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How Rebuilt Car Titles and Salvage Car Titles Work — Allmentitleloans

First, it’s important to understand how rebuilt car titles work. When a car gets into an accident and the cost of fixing it would outweigh the value of the car, then the insurance company will declare it a total loss. The car then receives a salvage title to replace its clean title.

Someone would still choose to fix and drive the car, though. If they have the necessary repairs done and the car can pass a state’s inspection to verify these repairs, then the state will issue a Rebuilt title for the car. This signifies that the car was totaled but was then rebuilt.

Salvage and rebuilt titles do have a negative impact on a car’s value. Cars with clean titles have the highest value, followed by cars with rebuilt titles and cars with salvage titles rank at the bottom.

The reason is that just because a car with a rebuilt or salvage title seems fine doesn’t mean it’s completely fixed. There could still be structural damage or other issues that the repairs didn’t solve. That’s the risk when you get a car with one of those titles. Cars with rebuilt titles tend to be worth more than cars with salvage titles because there is at least verification that proper repairs were done, but the same risk is still there.

The nice thing about cars with salvage and rebuilt titles is that they are available for much lower prices. In some situations, you can get a steal where the insurance company declared a car a total loss even though the damage wasn’t that severe. However, there’s no way to get one of these cars back to the value it would have with a clean title. Insurance companies will set the value of these cars much lower when you purchase insurance for them, and car value guides typically don’t provide value info on these cars.

Getting a Title Loan with a Rebuilt Car Title

When you apply for a vehicle title loan, the lender goes through this process to see how much they are able to loan for your car:

Put its info into a car value guide.

Look over the car to see what its condition is.

Check what the value guide has listed for cars in that condition.

Set the maximum loan amount based on the value listed, making sure that the loan amount doesn’t exceed the state limit.

The info used to look up a car’s value in a value guide is the following:

Its model year

Its manufacturer and model

Its style

Its current mileage

The obvious problem here is that value guides don’t provide values for cars with rebuilt and salvage titles. This makes it difficult for the lender to decide how much to loan you. If you fill out an application online and receive an estimate for a title loan, it won’t be accurate for you, because it would only apply if your car had a clean title.

This won’t prohibit you from getting a title loan, but it does throw a monkey wrench into the loan process. What the lender will likely do is go through the same process of looking up your car’s value as if it had a clean title, and then going with a portion of that value for your car with its rebuilt title. For example, if the listed value of your car with a clean title is $15,000, the lender may consider it worth $7,500.

Of course, lenders usually don’t loan the full amount and instead loan you a portion of your car’s value — about 30 to 50 percent is a common range for title loans. This means when your car has a rebuilt title, it reduces the amount you can borrow considerably.

A car with a rebuilt title can be a great vehicle that you get at a bargain, but it will have an effect on any title loans you get. Don’t let that stop you if you need money right away, because a title loan will still be the best choice for that. Just keep in mind that how much you can borrow will be less than it would if your car had a clean title. Other than that, everything else about the title loan process, including state regulations and repaying your loan, will remain the same.

#title loan quote online #title loan online quote #bad credit loans in baton rouge #can i get a loan for a salvage title car #can you finance a car with a rebuilt title #car loans for rebuilt titles #title loans that don't require the car #easy title loans #cash and title loans #car title loans no credit check #can i get a title loan with a financed car #will a bank finance a rebuilt title #car title loan texas #car title loans with no income verification near me #title loans online fast #title loan without title online #online title loans for bad credit #fast online title loans #can you pawn your car

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meaganproperty · 14 days

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How Can I Ensure a Smooth Closing Process When Purchasing Property in Jimboomba?

Purchasing Property for Sale Jimboomba is an exciting venture, but the closing process can sometimes feel overwhelming. To ensure a smooth and stress-free experience, it's essential to follow a few key steps. Here’s a comprehensive guide to help you navigate the closing process efficiently.

Understand the Closing Process

The closing process is the final step in purchasing a property, where the title is transferred from the seller to the buyer. It involves several important stages including finalizing the mortgage, signing legal documents, and transferring funds. Understanding these steps will prepare you for what to expect.

Hire a Qualified Real Estate Agent

One of the best ways to ensure a smooth closing process is to hire a qualified real estate agent who specializes in Property for Sale Jimboomba. A local agent will have in-depth knowledge of the area, the market conditions, and the necessary paperwork. They can guide you through each step, handle negotiations, and ensure all deadlines are met.

Get Pre-Approved for a Mortgage

Before you start looking at Property for Sale Jimboomba, get pre-approved for a mortgage. This not only shows sellers that you are a serious buyer but also helps you understand your budget. Pre-approval can expedite the closing process since much of the financial vetting has already been done.

Conduct a Thorough Inspection

A thorough property inspection is crucial. Hire a licensed inspector to examine the property for any potential issues such as structural problems, pest infestations, or necessary repairs. Understanding the condition of the property ensures that there are no surprises after the purchase. If the inspection reveals significant issues, you can negotiate with the seller for repairs or a price reduction.

Review the Purchase Agreement Carefully

The purchase agreement is a legally binding document outlining the terms and conditions of the sale. It’s essential to review it carefully. Pay attention to details such as the closing date, contingencies, and any special conditions. If there are terms you don’t understand, ask your real estate agent or a lawyer to clarify them.

Prepare for Closing Costs

Closing costs can include fees for the loan application, appraisal, title search, and insurance, among others. These costs typically range from 2% to 5% of the property’s purchase price. Make sure you have sufficient funds set aside to cover these expenses. Your lender should provide a detailed estimate of closing costs early in the process.

Conduct a Final Walkthrough

A day or two before the closing date, conduct a final walkthrough of the Property for Sale Jimboomba. This is your chance to ensure that the property is in the agreed-upon condition and that any requested repairs have been completed. Check that all appliances and systems are functioning properly and that nothing has been removed that should stay.

Coordinate with Your Lender and Closing Agent

Stay in close contact with your lender and closing agent as the closing date approaches. Confirm that all paperwork is in order and that the funds are ready to be transferred. Your closing agent will help coordinate the signing of the documents and the final transfer of funds.

Review Closing Documents

On the day of closing, you’ll be required to sign numerous documents. These will include the deed, bill of sale, and loan documents. Take your time to review each document carefully. Ensure that all details are correct and that you understand what you are signing. Don’t hesitate to ask questions if anything is unclear.

Celebrate Your New Property

Once all documents are signed and funds are transferred, you’ll receive the keys to your new home. Celebrate this milestone and start planning your move into your new Property for Sale Jimboomba.

By following these steps, you can ensure a smooth closing process and enjoy a seamless transition into your new property. Happy house hunting!

#PropertyforSaleJimboomba

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loancheetah · 16 days

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Fast Cash Solutions: Title Loan on Car Not Paid Off | Spring Hill, Tullahoma

Need money now? Explore no title car loans and apply for a title loan online with Loan Cheetah. Get same-day approval for online title loans in Spring Hill and Tullahoma. Access quick cash with ease. www.loancheetah.com

#title loan on car not paid off #no title car loan #can you do a title loan online

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padzillyhomes · 22 days

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The Beginner's Guide to Buying Your First Home

Buying your first home is an exciting and significant milestone in life. It's a big step that comes with a mix of emotions, from excitement to apprehension. But with the right knowledge and guidance, you can navigate the process smoothly and confidently. Here's a beginner's guide to help you on your journey to homeownership:

1. Assess Your Finances: Before you start browsing listings, take a close look at your finances. Calculate your monthly income, expenses, and savings. Determine how much you can comfortably afford for a down payment, monthly mortgage payments, property taxes, insurance, and maintenance costs.

2. Get Pre-Approved for a Mortgage: Getting pre-approved for a mortgage is a crucial first step in the homebuying process. It helps you understand how much you can borrow and shows sellers that you're a serious buyer. Shop around for mortgage lenders to find the best rates and terms that suit your needs.

3. Define Your Homebuying Criteria: Make a list of your must-haves and nice-to-haves for your future home. Consider factors like location, size, layout, amenities, and neighborhood features. Keep an open mind but also be realistic about what you can afford and what aligns with your lifestyle.

4. Start Exploring the Market: Once you have your finances in order and your criteria defined, start exploring the real estate market. Attend open houses, browse online listings, and work with a real estate agent who specializes in first-time homebuyers. They can help you find properties that match your preferences and budget.

5. Make an Offer: When you find a home that ticks all the boxes, work with your real estate agent to submit a competitive offer. Consider factors like the home's condition, market trends, and comparable sales in the area. Be prepared to negotiate with the seller to reach a fair price.

6. Complete Due Diligence: After your offer is accepted, it's time to complete due diligence. Schedule a home inspection to identify any potential issues with the property. Review the seller's disclosures, obtain necessary inspections, and research the neighborhood to ensure it's the right fit for you.

7. Finalize the Purchase: Once due diligence is complete, work with your lender to finalize your mortgage financing. Review all closing documents carefully, including the loan estimate, closing disclosure, and title insurance. On closing day, sign the necessary paperwork, pay closing costs, and celebrate becoming a homeowner!

Conclusion: Buying your first home is an exciting journey filled with ups and downs. With proper preparation, guidance, and patience, you can make the process smoother and more enjoyable. Remember to trust your instincts, ask questions, and lean on experienced professionals for support along the way. Welcome to the world of homeownership!

#bulding #home #home & lifestyle #realestate #home buying

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