What is the Maximum Purchase Price Calculator?
What is the Rehab Analyzer?
The Rehab Analyzer is used to calculate the maximum purchase price for a property based upon fixed costs, repair costs and desired profit.
Pretty sweet dashboard, but what is all this stuff?
The After Repair Value is the value you expect the property to be worth after repairs are made to the property. This information is carried over from the Property Information Sheet.
The Buying Costs are costs associated with purchasing the property. Input the amount of buying costs that you foresee in the yellow boxes. The 'Closing Costs & Points' row is calculated based upon loan value only.
The Fixed Holding Costs are costs that are incurred while holding the property during the rehab and selling period. These monthly costs are carried over from the Property Information Sheet. The Total Holding Costs are calculated by multiplying the Monthly Holding Cost x (Rehab Time + Selling Period).
The Fixed Selling Costs are costs associated with selling the property such as Realtor commissions, seller assisted closing costs, home warranties, etc. Simply input your selling cost assumptions in the yellow boxes.
The Repair Costs Breakdown by Scope gives you a detailed analysis of your repair budget by each scope of work item. This cost information is pulled over from the Repair Cost Calculator.
The Repair Cost Budget is further broken down by Labor, Material and Subcontractor costs. This is a handy way to analyze the budget if you have cost history regarding labor, material and sub. For example, our business spends around $16,000 on labor for a typical 3 bedroom, 2 bathroom.
The Repair Costs by Area section gives you an analysis of areas of the home, such as the kitchen, bathrooms, flooring etc...This is helpful analysis tool if you track repairs by area or room. For example, we know our business spends around $3000 per bathroom, so we can evaluate our bathroom budget and determine if we need to decrease or increase it based upon our cost history.
The Total Repair Costs gives you at summary of the Total Repair Costs included in your repair cost estimate.
Evaluate your Total Repair Cost Budget by Subbed or DIYed by simply clicking the buttons to toggle between Subbed or DIYed repair budgets. This can be a handy tool, if you are competitively bidding for a house, and will be "DIYing" some work items to get an advantage over your competition.
Quickly calculate your repair cost contingency by simply clicking the % buttons.
Quickly calculate Rehab Profit by % by simply clicking the % buttons or by inputting a lump sum $ to determine the profitability of the project. Use the profit analysis to determine the amount of profit required to meet your investment criteria.
The Maximum Purchase Price is the amount you should offer for a potential investment property.
The 70% Rule is a widely accepted rule by rehabbers to quickly determine the Maximum Purchase Price of a property before repairs. The 70% Rule ticker compares the calculated Maximum Purchase Price against the 70% Rule.
The Project Funding section gives you a breakdown of how the project is being funded.
The Total Investment is the total amount of investment required to fund the project.


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Always on the lookout for stuff showing the dark side of technology, I found good example in the June 2012 issue of The Atlantic. Andrew Keen covered a new class of mobile device apps, as the headline says, "New "social discovery" apps try to engineer chance encounters. Could they spoil true serendipity?" Describing a scene in a bar, Keen writes,
>After squeezing in at the bar, we slapped down our iPhones, like digital gunslingers. But as we caught up, I was distracted by a continual buzzing from her phone, which vibrated so relentlessly that it seemed to have a mind of its own. "It's Highlight," she apologized, switching off the device. "Have you tried it? It's so annoying." . . . I had, as it happened, tried Highlight. And Glancee, Sonar, and Banjo, a handful of the "social discovery" apps that are the latest new new thing. They allow our mobile devices to alert us to the presence of people we know, and to introduce us to people we don't know—people the apps think we might like to meet. "Strangers," Brett Martin, the CEO of Sonar, explained to me, "often have a lot in common." The idea of engineering serendipity, of manufacturing good luck, used to be a science-fiction trope; now it's the holy grail of mobile technology. The goal is to create what Andrea Vaccari, the CEO of Glancee, described to me as "surprise" and "delight." "We want to create serendipity on steroids," he added, unappetizingly.
These new apps operate by mining the gigantic personal databases being amassed on Facebook, Google, LinkedIn, and more. They know what we "might like" better than we do. The developers of the apps think this is marvelous, assuming that it is people just like ourselves that we are most interested in. I am not so sure. As I note further below, technology always subtracts something from the world present to us at any moment. If these devices do what they are being designed to do, one's sense of who they are will get lost. The difference, see just below, between "might like" and "like" is enormous. The latter has a possibility of authenticity coming from a reflective realization of who one is; the first produces an inauthentic response, par excellence, as action is entirely motivated by an external source.
>Applying algorithms to the personal data on networks like Facebook and LinkedIn, these apps try to introduce us to nearby people whom we might like to meet—because we listed the same career on LinkedIn, say, or because we "liked" the same bands on Facebook.
As I read on, the idea of arranged marriages popped up. This Indian custom takes all the serendipity out of encountering a life partner. The impersonal technology of Glancee is replaced by the algorithms buried in the parent's heads. They filter out the possibilities that do not fit their model of the ideal spouse for their eligible child. I used to be completely against this custom, but have gradually changed my mind as my concept of love has morphed from some mystical feeling that arises from an encounter with another to a mood of acceptance of the existence of an autonomous other. Having married a divorce lawyer, I have heard all too many stories of the failure of "love" to work its magic.
Couple that with my model of human Being as caring, and the serendipity of "falling in love" loses its punch. Serendipity does matter even here, as one still has to have an encounter with the right context. Seeking someone to care for, open to the same ideas, sharing enough of the same world to make communication and coordination work, and a set of futures that mesh sufficiently to set us as a couple on the same path is a very important step in life. But this does not require the drama of serendipity. People who meet and decide to couple up out of the love that I just described might call their first meeting serendipitous, but probably not.
These apps can be programmed to include or exclude specific people of all sorts, as the next paragraph says
> Future generations of these apps might very well help us flourish in what Reid Hoffman, the co-founder of LinkedIn, describes as the "Start-Up of You" economy—a Darwinian world in which we must continuously network to survive. But "amplifying our humanness"? Do we really want the preternatural ability to avoid entering any Starbucks where we might encounter an ex? Do we want to wonder, during a conversation with a delightful stranger, whether that person plotted our "chance" meeting? And the reverse: Do we want to find ourselves forever stalking people in airports because an app says they might be professionally valuable?
> Ultimately, apps that claim to engineer serendipity seem more likely to do the reverse. Their main offense is not ubiquitous surveillance, but that they stand to destroy surprise and, with it, true serendipity. Rather than enriching our lives with unexpected encounters and genuine strangers, they threaten to take the mystery and the magic out of people we don't know.
I don't think that it is meaningful in the first place to connect these apps with "true serendipity" in the first place. I also don't know what adding "true" to serendipity does for the meaning. Serendipity is strongly coupled to the concept of possibility that, to me, means simply creating something out of nothing. That's got a bit of magic in it if you wish. The minute life becomes engineered, possibility flies away. Serendipity refers to some chance meeting during which the two (or more) people involved discover some common purpose, interest, concern or other context for coordinating action together. Such meetings are surprising and rare; most of the time we act in a context where the agenda and players are already chosen to fit that context. The magic of serendipity is in part conveyed by the surprise; it is precisely the fact that serendipity arises only out of the context of some immediate intentionality.
But so what. If one is missing somebody in their lives, whether a potential life or sex partner, customer, or whatever, and intentionally seeks to fill the hole, any means to enhance the likelihood of finding that somebody should be helpful. It doesn't make a lot of difference whether the means is an app on one's smart phone or a traditional parent arranging a marriage. What counts, in this case, is success, and that depends on what follows the first meeting. The only difference I can spot is the absence an the emotional high that surprise can bring and can linger in one's memory, continually serving to refresh the experience of whatever relationship was created.
Technology almost always diminishes one's connections to and experience of the world, in this case, surprise. I am not overwhelmed by this particular technology, but it seems relatively harmless, giving up only an emotional experience that many would not miss. But when you add together all the missing pieces of experience and the self-consciousness they provide, the effects are great and serious. The being-in-the-world creatures we are get lost against the instrumental vision of a world where technological intervenes in actions that we are fully capable of handling, with richer outcomes, simply by ourselves.
The Other Side of Austerity
The Power of Both/And

redpajama_set_name: RedPajamaCommonCrawl


There are two major species of Ixodes ticks in the United States, I. pacificus in the western U.S. and I. scapularis in the eastern U.S. These ticks are native to North America.
This tick is a native species in western North America.


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Better diagnoses, earlier interventions, more-efficient drug therapies, customized treatment plans. These are the promises of personalized medicine, also known as precision medicine or individualized medicine.
Individualized, precision or personalized medicine provides a genomic blueprint to determine each person's unique disease susceptibility, define preventive measures and enable targeted therapies to promote wellness.
Every person has a unique variation of the human genome. Although most of the variation between individuals has no effect on health, an individual's health stems from genetic variation with behaviors and influences from the environment.
Modern advances in personalized medicine rely on technology that confirms a patient's fundamental biology, DNA, RNA, or protein, which ultimately leads to confirming disease. For example, personalised techniques such as genome sequencing can reveal mutations in DNA that influence diseases ranging from cystic fibrosis to cancer. Another method, called RNA-seq, can show which RNA molecules are involved with specific diseases. Unlike DNA, levels of RNA can change in response to the environment. Therefore, sequencing RNA can provide a broader understanding of a person's state of health. Recent studies have linked genetic differences between individuals to RNA expression, translation, and protein levels.
The concepts of personalised medicine can be applied to new and transformative approaches to health care. Personalised health care is based on the dynamics of systems biology and uses predictive tools to evaluate health risks and to design personalised health plans to help patients mitigate risks, prevent disease and to treat it with precision when it occurs.


"Black consumers are disproportionately impacted by certain health conditions and diseases, such as heart disease, diabetes, hypertension, and obesity. They have a very positive view of their overall health. At the same time, they admit they need help and turn to media for solutions, which presents an opportunity for marketers as well as healthcare providers and health insurers."
Diet is not defined as weight loss, rather it is more about what is consumed that impacts overall health.
Wellness includes overall wellbeing, not just physical health.


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E3 Day 3 – Square Enix Conference: Shadow of the Tomb Raider, Just Cause 4, and More
Console Games, FEATURED, GAMING, Mobile Games, NEWS, PC Games, TECH, Video Games
E3 Day 3 – Square Enix
A Deeper Look Into Shadow of the Tomb Raider
Square Enix started off their conference with a more in-depth look at the upcoming Shadow of the Tomb Raider via a gameplay demo. A developer from Square also discussed with us what you can expect from it. When the game comes out September 14th, you can expect more tombs, more water exploration, and for Lara to grow even more as a character. The reveal also included the beginning cinematic of the game. You can watch the full reveal here.
Final Fantasy XIV And Monster Hunter World Collab
A new crossover event is happening between Final Fantasy XIV and Monster Hunter World and it looks awesome. This summer you'll be able to explore the world of Eorzea with a Palico by your side. No detail on what it contains yet, but if you're familiar with how Monster Hunter World does its crossovers, it's probably that. Limited-time quests, cosmetics, and such. You can watch the trailer here.
Dragon Quest XI Gets A US Date
Square showed a trailer for the US version of Dragon Quest XI which has been out in Japan since July 2017. The trailer features that iconic Akira Toriyama style that I love. You'll be able to pick it up September 4th on PS4 and PC. You can check out the trailer here, it looks great.
New Platinum Game, Babylon's Fall
We got a trailer for a new game by the creators of Bayonetta called Babylon's Fall. Not much info, but from the looks of it, it might be co-op, which would be really cool. You can see the trailer here and expect it some time in 2019 on PS4 and PC.
New Trailer For Octopath Traveler
A new trailer for the Switch game Octopath Traveler was shown and it looks to be a turn-based RPG with a pretty cool 16-bit, but kind of dioramic background art style. It'll be out on July 13th, you can watch the trailer here.
Lots More Detail On Just Cause 4
We got a good bit of new footage and info about Just Cause 4 at the conference today! You'll be controlling Rico in the new, fictional South American city called Solize (I think that's how it's spelled, I haven't seen it written anywhere yet). The game is said to feature a wealth of improvements over the last game, which was pretty "meh" across the board. New environmental hazards like tornados, lightning, and sandstorms will occasionally come in and wreck the area that they appear in, which can definitely force you to switch up your gameplan. The narrator says that the vehicles and Rico's grappling hook has been overhauled to be more intuitive and accessible, which sounds neat. You can watch the full presentation here.
The Quiet Man Isn't Daredevil, But I'm Going To Call It That
A trailer for a new game called The Quiet Man was shown and it features a deaf protagonist that beats up badly-dressed people hanging out in alleyways. The hero we all needed. Anyway, this Daredevil game looks to be pretty combat focused, but could definitely use an improvement in the graphics department. There will apparently be more info coming in August, which I'm interested to see. You can watch the trailer here.
Square also showed off a trailer for Kingdom Hearts 3, which was the same trailer from yesterday, but with some new bits added to it. You can watch that here.
That's it for Square Enix's conference! Definitely not the most exciting so far, but they Shadow of the Tomb Raider at least, so that's good. I mean, they didn't even show anything about the Final Fantasy 7 remake for some reason. Where is that? Anyway, is there anything you're excited for? Let us know below! Be sure to stay tuned to Fanbros for more E3 coverage!
Tags : Babylon's Fall, bayonetta, Dragon Quest XI, Final Fantasy 14, Final Fantasy XIV, Just Cause, Just Cause 4, Kingdom Hearts 3, Microsoft, Monster Hunter World, Octopath Traveler, platinum games, PlayStation 4, PS4, Shadow of the Tomb Raider, Sony, square enix, The Quiet Man, tomb raider, Xbox, Xbox One
FANDOM FASHIONS: Summer Geek TV
E3 2018 Day 2 – Bethesda Conference: Fallout 76, Rage 2, Wolfenstein, and More
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FEATURED, GAMING	July 4, 2019
The Geek Remix Interview by
E3, EVENTS	June 21, 2019
E3 2019's Highs and Lows
GAMING, REVIEWS	May 29, 2019
Sennheiser GSP 550 PC Gaming
Sennheiser GSP600 Wired Console Gaming
FEATURED, MOVIES	May 22, 2019
The Sun is Also a
Console Games, FEATURED	May 17, 2019
Brief Battles Game Review -


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Inheritance Claims
What Are Problem Areas With LPAs?
Posted: Friday, 2 July 2021 @ 11:59
What are the key problems areas with LPAs?(Lasting Powers of Attorney)
These are some of the examples of events which might raise concerns about whether the attorney's powers are being used properly.
Dealing with complaints about mental capacity
When a donor is unwell, or losing their mental capacity, family members who are not appointed as attorneys might sometimes try to make complaints on the donor's behalf. This could be because they believe that someone has misled the donor – by mis-selling an investment, for example.
They might also object to the actions of the attorneys themselves. Family disputes are difficult to resolve, as banks are only able to provide information to their customers or their official representatives. The same rules apply to people who bring their complaints to us. Though a financial business should not act on unproven allegations made by other family members, they do have a duty of care to their customer. So, if the business thinks a power of attorney is being abused, they should report it to the relevant authority. They might also decide to refuse to carry out some instructions – like transferring of money from the donor to the attorney's account.
Excessive gifts
Whilst attorneys can make gifts to people related to or connected with the donor, including themselves, these gifts should only be on customary occasions (for example birthdays, Christmas, etc) and should not be unreasonably large.
The gifts should also not be disproportionate to the pattern of giving the donor did when they had capacity. One of the consequences of an Attorney exceeding his or her authority could be realised at the time of dealing with an individual's estate. At that time, the Revenue will ask to see a copy of the Power of Attorney and will then look to see what gifts have been declared being made during the last seven years. If the Donor had lost capacity and gifts were continuing to be made the Revenue may argue that the gifts are void and the value should be aggregated to the estate, with a result that the additional Inheritance Tax will be payable, plus there will be the potential for interest and penalties. Matters could be even worse if there is evidence that there is a general deficiency in a Donor's funds because an Attorney has been withdrawing excessive sums from his or her account.
In the case of R v TJC [2015] EWCA the Court of Appeal (Criminal Division) held that in such circumstances the Attorney would be guilty of an abuse of position under Section 4 of the Fraud Act 2006. In this case the withdrawals being made by the Attorney were unreasonably high given the needs of the Donor.
The conclusion was that the Attorney could not have been acting honesty when managing the affairs of the Donor. It is easy to believe that as an Attorney, you are, in effect, standing in the same shoes as the Donor, and can act as he or she would do.
It is important for the Attorneys to remember that they must always act in the best interest of the Donor. An attorney needs to take particular care if he or she is thinking of accepting a gift from the person's estate.
If one does accept a gift, the Court of Protection can look carefully at whether the person had capacity and may decide the attorney went beyond authority.
In the case of PG v DH [2014] EWCOP 15 (15 July 2014), Senior Judge Lush decided that the facts pointed to the 'donor' of a power of attorney (the legal term for the person who made it) lacking capacity to agree to a loan her son had taken out on her property. In this case, the donor's loan counted as a gift to her son. Senior Judge Lush commented that: … even if VH had the capacity to make the gift, it was reprehensible [wrong] of him [the attorney] to have accepted it… and shows that when faced with a conflict between his interests and his mother's, he would place his own interests first.
Loan applications or credit cards taken out in the donor's name
This could raise concerns about potential misuse of the attorney's powers, particularly if the donor does not benefit from the loans or credit cards.
This could raise concerns about potential misuse of the attorney's powers, particularly if the donor does not benefit from the loans or credit cards. In Re Harcourt,[1] Mrs Harcourt's daughter became an attorney after her mother lost capacity. Suspicions were raised when the care home manager became aware of letters about bank loans and credit card applications being taken out by the daughter in her mother's name. The matter was consequently investigated, and it was revealed that the daughter had abused her powers of attorney to make personal financial gains.
Other Recent Blog Posts
Why Inheritance Disputes Keep Rising - The Power of the Internet
What Are The Key Variables Which Win Inheritance Disputes?
Diversity Data
What Are Lasting Powers of Attorneys and Why Do They Cause Problems
What is Really Underpinning The Rise of Inheritance Disputes?
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Dominic Thiem claimed his eighth ATP singles title over Pablo Carreno Busta in the Rio Open final on Sunday.
RIO DE JANEIRO (AP) — Dominic Thiem claimed his eighth ATP singles title and his sixth on clay with a 7-5, 6-4 victory over Pablo Carreno Busta of Spain in the Rio Open final on Sunday.
The Austrian is ranked No. 8 by the ATP and was seeded second in Rio. But he became the favorite as soon as top-seeded Kei Nishikori was beaten in the first round.
Thiem now heads to this week's Mexican Open in Acapulco where he is the defending champion in the hard-court tournament.
Carreno Busta is now winless in four matches against Thiem.
The Spaniard won the doubles title on Saturday with teammate Pablo Cuevas, defeating Juan Sebastian Cabal and Robert Farah 6-4, 5-7, 10-8.