From HousingWire:
Trump’s housing-finance plan aims to curb GSE lending in areas with rent control
Buckle your seatbelts, California. You may be in for another showdown with the Trump administration. You too, New York and Oregon.
When Treasury released its housing finance reform plan a week ago, there was one proposal buried in the middle that didn’t get much attention: curbing Fannie Mae and Freddie Mac multifamily lending in areas that adopt rent control. It was marked “administrative,” meaning Treasury believes it can be done without input from Congress.
hen the plan was released, New York had recently expanded its rent control law and Oregon had adopted statewide rent control. This week, lawmakers in California, the most populous U.S. state, joined Oregon in passing a statewide bill to control rents, and Gov. Gavin Newsom has already said he’s going to sign it.
“This is the Trump administration against the blue states,” Ed Mills, a public policy analyst with Raymond James in Washington, said in an interview with HousingWire. “This matches their philosophy, but it has the added benefit of Trump, using administrative actions, being able to influence policies in states run with Democratic majorities.”
But, perhaps that one suggestion, buried in the middle of a 53-page report, will never see the light of day?
“This is absolutely going to happen,” Mills said. “It’s just a matter of the scale and timing. The lesson I’ve had through observing the Trump administration is: They tell you in advance what they are going to do and they more often than not follow through.”
The plan cites rent control as interfering “with the functioning of local housing markets, tending to decrease the supply and quality of the available housing.”
While lots of economists would agree with that, they wouldn’t all agree that the solution is to further restrict housing stock by limiting government-back multifamily lending.
According to the housing finance plan that Treasury Secretary Steven Mnuchin said had been approved by President Donald Trump, the Federal Housing Finance Agency, the independent regulator of Fannie Mae and Freddie Mac, should make multifamily lending tougher to secure in rent-controlled areas.
“Treasury recommends: FHFA should revisit the GSEs’ underwriting criteria for acquisitions of multifamily loans secured by properties in jurisdictions that adopt rent-control laws or other undue impediments to housing development,” the plan stated.
Bayonne on fire – as predicted here.
Massive Bayonne development project — 4,500 units and hotel — gets initial go-ahead
Bayonne’s dream of turning the former Military Ocean Terminal into a regional destination propelled forward this week — in a big way.
A development company gained initial approval for its vision of a massive mixed-use community that would include a 218-key hotel, 4,500 residential units and 74,985 square feet designated for retail and commercial purposes.
The firm behind the project is Mahalaxmi Bayonne Urban Renewal, owned by Raj Gupta, which has undertaken under projects in Bayonne and on the former military base. The Bayonne Planning Board approved its general development plan Tuesday, giving it the go-ahead to begin planning for the first phase of work.
good morning new jersey
From the Philly Inquirer:
Philly’s housing market is still booming, even as recession fears grow
If warning signs of a possible U.S. recession are currently flashing, Valeria Kremser doesn’t see them in the Philadelphia housing market.
Instead, she sees a market where homes are selling quickly, where bidding wars still exist, and where buyers must submit offers on several homes before one pans out. Take it from Kremser: Since June, the 40-year-old Philadelphian has toured 15 homes. She’s bid too little or too slowly on three. Finally, this month, she and her husband put a cozy two-bedroom in Point Breeze under agreement, nabbing it for about $200,000 just two days after it was listed.
Sound like the red-hot real estate market of 2017?
It might: In some parts of the Philadelphia region, the housing market remains just as busy as ever.
Since the local housing recovery began in 2012, after almost five years of decline that started just before the Great Recession, the Philadelphia housing market has experienced a rise that is extraordinary for this historically gritty, underdog city. In the last seven years, Philadelphia home prices have risen nearly 46%, data from local economist Kevin Gillen show. Neighborhoods grappling with disinvestment have seen housing and retail sprout. Population has grown, income has jumped, and nearly 6,000 vacant units have vanished. “The city feels like it’s getting a face-lift,” said Mark Zandi, chief economist of Moody’s Analytics.
Crossing county lines, the Philadelphia suburbs have experienced growth, too — though not at nearly the same rate as the city. Housing prices in the suburbs have grown almost 21% in the last seven years, according to Gillen, though, recently, they have been rising faster than Philadelphia’s. Homes in the region now sit on the market for fewer than 60 days on average. And in the second quarter of 2019, 252 million-dollar homes were purchased in the suburbs — an all-time high.
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N.J. has more municipalities with rent control than any other state. Many more than California. Maybe Trump whacks N.J. apartment values by eliminating federal government subsidized financing. This will be interesting to watch. Grim thanks for leading with this today.
re: Mutlifamily lending. Party like it’s 1999.
Just look around every old downtown in New Jersey, it now has a large multifamily development built or being built.
Lending for multifamily is way way up, it’s doubled in the last 10 years, pent-up household demand so they have added 10 million units since the bottom of the 2009 recession and are breaking ground on a 12-year high of 1.3 million new units this year.
They have raised this year the Fannie Freddie caps to another $25 Billion to $100 billion in multifamily-housing residential loans for the next year. One third of that lending is affordable housing.
Number of municipalities in California 482
Number of municipalities in New Jersey 565
US has tens of thousands of municipalities and majority with rent control are in N.J. (99 of 182). Confirms how N.J. local official transfer control of other’s real estate into their hands.
Boroughitis, never heard of it before today regarding the history of Ni borough explosion.
That school is not Colts Neck’s…. it was constructed in 1997. It would be better described as the Freehold District High School at Colts Neck. If you drive immediately south or west you are either in Howell or Freehold. That said, every address in Colts Neck is zoned for that school, but so are chunks of Howell and Freehold. It is strange though, it does not feel like part of the town. The kids tend to splinter off in many directions after middle school.
Dirty secret about that school. When it was constructed, it essentially had an “expansion lottery”. So every other secondary school in Freehold transferred their worst teachers over there. It took roughly 10 years for the school to recover. From opening to about 2007 or so, it was pure garbage until enough of the dregs retired or otherwise they had the fortune of attrition. It is all about the kids you know.
Unions are so wonderful. School administrators are not far behind.
Blue Ribbon Teacher says:
September 15, 2019 at 4:59 pm
Ironically, when I drove by Colt’s Neck high school…I was an awe of how much nicer it is on the outside than my own. But this is exactly what I’m talking about. Every town would have the ability to fund their own district’s repairs/upgrades/new buildings.
More powerful than….?
https://youtu.be/R-znj7Uf9Oo
In my little corner of the world next to hoighty-toighty Colts Neck and Holmdel we have twelve K-5 elementary schools, three middle schools and two high schools. The town is now seeing a shift in demographics, the north side has declining enrollments and the south side has too many students. A classic case of the other side of the tracks mentality is now occurring. We live in the south side the homes are more expensive and it’s generally considered the more desirable part of town to live in, my realtor told me seven years ago he makes a living moving people from North to South.
There are now so many new enrollments in my areas elementary and middle school that they were proposing moving 1 of every 16 kid around in the entire district and that did not go over well, now they are proposing moving around whole grades. Of-course parents are up in arms about it since we have the overcrowding and little Mason and little Olivia might have to go to school with the poorer kids.
It was pretty much assumed that if you were zoned for North, especially in the area going toward Locust, you were implying that your kid would be attending RBC, MCVSD or CBA….. at least that is what I heard…. a lot of those kids went to MAST if not private. North is useless.
Juice Box says:
September 16, 2019 at 11:04 am
In my little corner of the world next to hoighty-toighty Colts Neck and Holmdel we have twelve K-5 elementary schools, three middle schools and two high schools. The town is now seeing a shift in demographics, the north side has declining enrollments and the south side has too many students. A classic case of the other side of the tracks mentality is now occurring. We live in the south side the homes are more expensive and it’s generally considered the more desirable part of town to live in, my realtor told me seven years ago he makes a living moving people from North to South.
There are now so many new enrollments in my areas elementary and middle school that they were proposing moving 1 of every 16 kid around in the entire district and that did not go over well, now they are proposing moving around whole grades. Of-course parents are up in arms about it since we have the overcrowding and little Mason and little Olivia might have to go to school with the poorer kids.
In my district, they are busing kids from across town into the nicer neighborhood schools to maintain diversity.
Chi – High Tech if they can get in or South that’s a big if I am still here. I won’t be enrolling them anywhere near the kid touchers now or when they get to high school. Anyway I heard from a friend who’s daughter went to RBC that she did not learn and really struggled in college. MAST kid I know is now driving an oil exploration ship away for months at a time, CBA (all boys) kids I have met all seem ok but not really impressive. Kids that when to High Tech and South have impressed me.
My wife used to work for MCVSD magnet schools. That place is a cesspool as well. But they always look at the top of their rankings because they cherry pick the kids. But at my last school, my science league students would routinely wipe the floor with the high tech high kids or biotech high.
I had a friend in HS who went to high tech high when it first opened. He went to ASU and opened up his own machine shop. He does very well. But…he was self motivated.
Don’t know much about ASU other than it’s a party school. Kid I know that when to ASU is now inspecting army gear in the high desert in Arizona where it gets up to 120 Degrees, he stayed there for his stoner college girl friend who has now left him. He might have been better staying here and becoming a plumber.
Cream of the crop at South, Ranney, CBA, BioTech, Hi Tech are fine. I’ve spoken to the more than one valedictorian from RBC and was pretty tepid on them.
Last year’s Ranney and CBA valedictorians were the only kids I spoke to that were accepted. The CBA kid chose Norte Dame. I could see that coming from CBA and his background.
Absolutely the kids from High Tech are consistently good. However, in the communities, they are derided as a bunch of Asians and geeks. I am getting huge blow back even in my own house with a 7th grader.
The story with the State’s schools in AZ an as far east as New Mexico, and north to Colorado, Montana is the equivalent of Delaware to NJ.
Arizona State U, U of A, Northern Arizona U. Attract a very large amount of California students that can’t get into the California State Schools because of capacity/admissions standards. Just like a lot of kids that can’t get into Rutgers or Kean go to Delaware and Maryland schools and get better terms.
Arizona’s college have way more capacity than they need for AZ students, the excess is out of state residents, which because off campus housing is cheaper than on campus is generally a good deal.
And if you are from a western state. The Western Undergraduate Exchange kicks in for way cheaper out of state tuition.
https://www.wiche.edu/info/publications/wueHandout.pdf
Humm this does not bode well for the Tech IPO bubble.
Softbank valued WeWork at $47 Billon and now it’s worth only $10 Billion?
Seems their main investor the Saudi’s are getting skittish.
“The biggest backers of SoftBank Group Corp.’s gargantuan Vision Fund are reconsidering how much to commit to its next investment vehicle as an oversized bet on flexible workspace provider WeWork sours.
Saudi Arabia’s Public Investment Fund, which contributed $45 billion to the $100 billion Vision Fund, is now only planning to reinvest profits from that vehicle into its successor, according to people familiar with the talks. Abu Dhabi’s Mubadala Investment Co., which invested $15 billion, is considering paring its future commitment to below $10 billion, the people said, asking not to be identified in disclosing internal deliberations.”
Come to think of it WeWork’s employees are going to get blown out of the water on this IPO. So Softbank invested $10 billion at a valuation of $47billion and now it’s getting priced at $10-$12 Billion IPO and is having a hard time finding investors so it’s only selling $3 Billion in shares now and out of that Softbank is buying $750 million? Good luck pimping this one.
Jesus,
What isn’t a ponzi scheme? That fund is f’ed.
Yes, the kids are spectacular. But the teacher’s at Monmouth County magnets IMO from my observations in academic competitions are not running classes as rigorous as I would expect. My view is limited to Physics though.
All I know is that my kids honors bio teacher is impossible and it’s only week 2. He isn’t teaching them. Just overloading them with nonstop work. Had no personality at BTS night.
at my last school, the teachers used to pull some BS saying “AP means, you teach yourself”.
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He isn’t teaching them. Just overloading them with nonstop work.
You can apply this to 90% of the teachers and every boss, manager and supervisor you ever had. People don’t know how to manage or guide properly. It’s frustrating beyond belief. I love how those “in the know” start at page 290 (figuratively), assuming you somehow know what they know. IQ doesn’t coincide with the ability to game plan and communicate effectively. I’ve on-boarded two dozen people this year alone and every one of them has said they really found it useful and helpful.
Wework IPO cancelled? Cramer called it repackaged dog food no dog wants this morning.
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WeWork is the poster child for how not to offer an IPO. Top to bottom. I’ll do this analysis later but my gut tells me to short any JPM lead offering. They are third seat behind GS and MS. If they win a major mandate it means they gave away the shop to get it. In this case the giveaway was a two-fer…a major part of their (your) balance sheet through leading the accompanying $6B debt facility and letting the company (CEO) dictate every term of the offering. Impossible CEO + compliant firm = sh1tshow. Been that way forever. At least the market is puking on it…I’d be more concerned from a general market perspective if investors FOMO’ed and this thing made it out at a premium…So bottom line for me it’s healthy this pig with lipstick couldn’t make it out.
On the other side of the ledger watch the repo market. Fcuked up things happening there…
Leftwing – This is as bad as it gets for any IPO I have ever seen.
Here is a write up that covers it well.
https://medium.com/@henry.hawksberry/is-we-work-a-fraud-5b78987d3e61
Sam Zell was on Sept 4 CNBC, pretty much called out WeWorks
https://www.cnbc.com/video/2019/09/04/we-company-wework-roadshow-ipo-sam-zell-squawk-box.html
Quote from above: “every single company in this space has gone broke”….
“real estate industry has committed suicide..”
he also blast the corporate “governance”….
Article is solid…all the self dealing is what I was referencing. It would never make it through a firm that wasn’t prostituting itself to move up the league tables….The fact that certain of these things were unwound based on ‘investor feedback’ shows JPM intended to exercise zero control over its client whatsoever…any first year IB analyst knows the founder selling sh1t to his company at ridiculous markups immediately prior to an IPO doesn’t work…senior bankers at JPM just looked the other way and hoped public market investors would, too. Oops.
“Why would Masayoshi, an evidently highly intelligent individual, invest so many billions into this barefaced fraud, for the life of me I cant figure it out.”
Asset gathering. At some point, and Softbank surpassed it long ago, the mere act of having the assets and the management fee is more important than the return and the carry.
Visions 1 was almost $100B…It is actually really, really hard to deploy that kind of capital. You need to write big checks. There are not that many situations around especially in private markets. Plus you need to show some return, even it is some BS mark to market off a popping IPO, to raise your next $100B….
Which is exactly what Softbank are in process of doing with Visions 2……
Saudis and others see the game and are getting cold feet. Commitments are lightening up. Visions 1 needs WeWork almost more than WeWork needs Visions 1….
Saw the Zell interview….crusty old fcuk, he was great and spot on….
Sam Zell
2005 “The housing bubble has been created more by the business press than reality.”
2012 “We are heading for a recession and that’s exactly what you’re looking at now.”
2019 “Every single company in this space has gone broke.”
Did Sam notice the public company in this space, IWG, hit an all time high recently?
Yeah, do a side-by-side comparison of IWG and We….
IWG share price is irrelevant, the fact that it is established in this market already is a huge negative for the We story and valuation….
And regarding the share price, look at the valuation metrics of IWG (EV/Sales, EV/EBITDA etc) and compare that to We…..keeping in mind IPOs are priced at a discount to existing comps…LOL
http://investors.iwgplc.com/~/media/Files/I/IWG-IR/reports-and-presentations/2019/annual-results-announcement-year-ended-31-december-2018-presentation.pdf
Yo, I do not know what is in Zell’s mind, but IWG did go bankrupt in 2003.
I heard a comment…… how can leasing space and subletting in a suboptimal way make the value of the leased space on one floor of the building more value than the entire building.
https://en.wikipedia.org/wiki/Boo.com
valuable….
I just took out a HEL on my primary through Figure. Got some crazy legal/medical/tuition fees to which I will hopefully be reimbursed for in November. Nonetheless, what a seamless process. Applied, notarized and nearly closed on a near 6-figure loan in a little under an hour. That’s with me needing to upload proof of ownership and my license. Last thing left is for Gator to Enotarize since she is on deed too. 10-year, 5.75% 3% origination. No penalty to pay it off early. Multiple draws too. Technology is the shiznit. Money will be in my account in less than 5 days.
Eli… RIP. sniff… sniff.
Check out top 10 holdings….. call me a cynic, but the whole thing reeks….
http://www.beyondinvesting.com/wp-content/uploads/2019/07/US-Vegan-Climate-Index-factsheet-retail-version-24-July-2019.pdf
Did some work with Sofi – top notch, seamless.
Yeah. Sofi head developed it, as you know. Super smart interface. Only complaint from most is that a hard credit check is pulled even before server checks if it can work with your bank, get your tax returns or property info. Still, they just made a quick $2,000 of of me with nothing to pay for except the person who verifies my uploads and the E notary. Not to mention, the interest on the loan.
If you are smart enough to know how to upload a legible document, then I wouldn’t hesitate to use them. I can’t believe I didn’t even need to leave my home to get a chunky loan!
Check out top 10 holdings….. call me a cynic, but the whole thing reeks….
http://www.beyondinvesting.com/wp-content/uploads/2019/07/US-Vegan-Climate-Index-factsheet-retail-version-24-July-2019.pdf
Burry is right, there are too many ETFs
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Burry is only right if the markets crash. We can all claim large cap stocks with a rich valuation are bad investments NOW for various reasons.
Juice,
I’m on the same page.
I still like Altria and Phillip Morris. Going in heavy this week.
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So much more real estate news.
Trump push to deregulate housing aka local zoning and planning.
https://www.sfexaminer.com/news/hud-secretary-tours-potrero-hill-public-housing-projects/
BTW- In Liberal California the NIMBY is the reason there is no housing for the homeless in San Francisco and LA etc. Let them sleep in the street.
They do.
Saw the tear jerker CNN Story about the homeless Yale Grad
Here is a quote from the interview.
“I am responsible for my own choices. I own all my decisions,” he said plainly before telling his story.
Of-course he is talking about his D*ru*g addiction that keeps him living in the streets.
These people need housing and treatment, they aren’t getting it in Liberal LA.
https://www.cnn.com/2019/09/17/us/los-angeles-yale-graduate-homeless/index.html
Juice: re homeless Yale Grad….. pure anecdotal evidence…AND I HOLD ABSOLUTELY NO PREJUDICE…. just stating a fact…… in my practice, with one incredibly impressive exception, every gay man is a complete headache for their family. Every one is either a drug addict or alcoholic…… I am at a loss….. cuts across generations too. Most family members have no issue with lifestyle, they just are heartbroken with the bad choices and financial drain of the melodrama.
I’ve seen really bad sh!t….. and I just don’t get it.
This is going to end well. Getting rid of zoning is a freehand out to the biggest dirtbags on this planet…real estate developers. How many hardworking Americans are going to have their town and neighborhood destroyed by the greed of unregulated developers. There has to be rules…
free handout…damn autocorrect
But Chi – he owns his choices, he is one of the few that is for sure.
The gayboys in my family own it and aren’t drug addicts thankfully, head cases a bit, but for the older generations perhaps it’s due to the fact it was stigmatized but today not so much. Maybe it’s genetic what kind of gay you will be in life? Who knows studies have not found the genes and may never.
As far as you not understanding? Don’t you dress up as Dave Gahan on Halloween and break out the karaoke machine?
We’re all homos. Homo Sapiens.
I’m sorry, but drug addicts are their own worst enemy. I get it’s a disease, but if the person does not want to help themselves, why should we waste our time. Go take one of these ranches for sale and dump all these drug addicts there. Have a helicopter make a daily drop for their fix and let them kill themselves.
Big difference between an addict that contributes to society and an addict that is a 100% taker in society. If you build a tent city on someone’s property, and only do drugs all day…go to hell. I feel bad for the addicts that still go to work. Those are the one’s I’m willing to help. The homeless drug addicts in cali can go f’k themselves. Selfish pricks.
This is going to end well. Getting rid of zoning is a freehand out to the biggest dirtbags on this planet…real estate developers. How many hardworking Americans are going to have their town and neighborhood destroyed by the greed of unregulated developers. There has to be rules…
What it means is that the ping pong club is coming to your neighborhood without a fight.
Nice….. the further down the page which cover more of the recent hysteria are interesting to me. The older stuff is just stale now; being proven patently wrong by overwhelming prima facie evidence.
https://cei.org/blog/wrong-again-50-years-failed-eco-pocalyptic-predictions
Don’t worry, it will all go to hell under these conditions. Don’t cry when your neighbor turns his home in sh!t hole.
Blue Ribbon Teacher says:
September 18, 2019 at 1:18 pm
This is going to end well. Getting rid of zoning is a freehand out to the biggest dirtbags on this planet…real estate developers. How many hardworking Americans are going to have their town and neighborhood destroyed by the greed of unregulated developers. There has to be rules…
What it means is that the ping pong club is coming to your neighborhood without a fight.
The woman all the way at the end is his wife…… she is fcuking hot for 50+
Juice Box says:
September 18, 2019 at 12:52 pm
As far as you not understanding? Don’t you dress up as Dave Gahan on Halloween and break out the karaoke machine?
https://www.youtube.com/watch?v=56wnMqroR9I
ping pong club? He’s got six pack abs. That spot in Wayne would be better off with Equinox Gym where Pumpkin can go and show off his abs to the boys in the sauna!
Juice, give it a try. It’s pretty damn effective. It’s not easy at first, but becomes like clockwork once your body adjusts.
I was told lies when I was younger to eat 5 small meals a day and to always have some food in your stomach. Total nonsense. You have to have a period where your body is not releasing insulin or digesting food.
“Who knows studies have not found the genes and may never.”
https://www.sciencemag.org/news/2019/08/genetics-may-explain-25-same-sex-behavior-giant-analysis-reveals
“The woman all the way at the end is his wife…… she is fcuking hot for 50+”
I’d hit that.
Although I still subscribe to God’s Law….half your age plus 7…
Works from puberty to the grave……
Speaking of Global Warming and Genetics.. Better hope the Global Warming crowd does not mess too much with the DNA in algae.
Right now big companies like Exxon and startups and well as other scientists are working to genetically engineer algae to absorb more Co2 to “save the planet” from warming.
Imagine a runaway unstoppable worldwide algae bloom that sucks up all the CO2 and produces too much O2 and other toxins. We all die then, not just the people living in low lying areas who are displaced or others who die of famine from global warming.
Juice,
Remember when the CEO of Monsanto said RoundUp was safe enough to drink?
Not CEO, just a dumb doctor.
https://www.motherjones.com/food/2015/03/monsanto-herbicide-cause-cancer/
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I used to bathe in Roundup back in my landscaping (paying for college) days. What does not kill you makes your stronger folks. The end result from these Neonicotinoids is more food for the starving masses around the world, who would have really thought there would be zero casualties from messing with nature?
It won’t be the robots that will kill us, it will be a man made biological, perhaps not Neomorphs from the Aliens franchise but something singled celled that eats up all the C02 or even the O2 or farts toxins that kill us all.
I went to FinCon this year (the large annual finance conference) and had a chance to see the opening keynote speaker Ramit Sethi (of I Will Make You Rich fame).
He had the best definition of being rich. Having a rich life is having the means to do what you want with you time or provide for your loved ones without feeling guilty of the amount spent.
You can make a lot of money and not feel rich (JP Getty was famous for saying More to the question of what does he want after becoming the richest man in the world. He was never satisfied and obsessed with money. That is not a rich life).
Examples Ramit provided about a rich life were simple things like if you have a difficult time choosing which appetizer to get, get both. Taking his in-laws on a luxurious trip with him on his honeymoon, etc.
I feel like I have a rich life not because my income qualifies me as being rich, but because I can go on vacations that I feel like I don’t have to compromise on what I want and to eat at great places without looking at the cost of it.
Another great bit of advice I learned from his presentation was that spend 10x of what you do now on things that you absolutely love and cut mercilessly on the things you do not.
Roundup is harmless if used correctly. Nothing more than a money grab by greedy lawyers.
Essex – 29 million is the cost of a double wide in Manhattan.
Based on this roundup bs, how long before we go after wireless internet companies or electric companies for giving cancer? We live in a plastic world. Let’s hope they come up with a cure fast because that’s the reality…what doesn’t cause cancer?
We’re you also told lies that exercising helps you lose weight?
Pumps your cellphone produces qite a strong magnetic field when on a call. Exposure to that may have given people a brain tumor, like Ted Kennedy. The debate is still out there, supposedly it’s not ionizing so no way causes cancer. Only time will tell just like smoking or anything else, well nature has it’s way..
7:39 double wide townhouse.