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The Vegas market is going nuts again from investors. I bought my house last April for $145k and now the same houses in my neighborhood with smaller lots are going for $210k. It worked well for me though. I put 10% down on a 30 year when I bought it and refied into a 15 year at 3.25% earlier...

I'm shocked nothing about Stamkos.

Focus on building relationships with realtors. The refi business is drying up with rates ticking up. People will still buy homes even with higher rates, but they won't refi. Reliable realtors that will give you consistent business is the key.

One of the McDonalds by me still has the $1 McDouble, but the cheeseburger is $1.59. It's crazy time here.

No. It's finding a need and presenting a benefit. It's the base of all sales.

I work at a bank and the conversation that we normally have with our older customers is finding out goals that they have with their estate. We call it Legacy planning. Do they want to send the grandkids to college, do they want to donate money to charity, do they want to help out the kids, etc.

I work in a bank and have seen the new bills. They stick to each other just like the old hundreds did when they were new. You just have to slow down counting them.

I always work with my salespeople on what's called an elevator speech. Basically, if you're in an elevator with someone what would you tell them in 20-30 seconds about your business and it's benefits before they got off the elevator. Your advertising should relay that.

The only reason I thought about buying one is that they act as a extra motion sensor for the nest. I hate it when it turns off the air in the summer because I'm in my bedroom for more than a couple of hours.

IT"S TIME TO SLAY THE DRAGON!

I was excited about them too as I have a nest, but $125 for a smoke alarm is alot.

Beats are made by Monster, so that makes sense.

I have. They suck. They taste like undercooked crinkle cut fries you'd buy at the grocery store.

I'd stick with a full page. The price difference is only $65 for you. Also, have you thought about starter package type coupons? Free bag of gravel with a tank purchase type of coupons?

I'm just wondering how many 70s, 80s and 90s rock songs they're going to turn into folk songs. I wonder how much cheaper the licensing is if you do it that way.

Most LLCs are easy to pierce because business owners can be idiots with their finances. Don't co-mingle your funds and it's generally not a big deal. The first time you do something like make your mortgage payment out of your LLC, the LLC is done.

Why don't you just start from home until you get going with some jobs? Is this work you can mostly do yourself?

They can actually do quite a bit with your account number. However, Deluxe (which is who most big banks use) checks before shipping to make sure the address is valid and won't ship to a non-existent address. It's likely the checks never even shipped out.

The average investor doesn't have the patience to ride things out. They panic and sell when the market has an adjustment.

If you look at the returns after sales charge, yes A shares are cheaper than C shares on actively managed funds. However, the breakpoint of where they're better is out about at 8-10 years.

Ok. The majority of those funds are A share funds which have sales charges of 4-6%. If you're looking to avoid them, there's 3 funds in there that are institutional funds that don't have sales charges. Morningstar rates all three of these as 4 stars out of 4. They're all quality funds with no...

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That's unfortunate if you can only do the portfolios. This means you're double paying for management. Basically, you're paying the fund managers that make up the funds. Then you're paying another fund manager to put together a fund of fund that make up the portfolio. Normally, you can...

Depending on your company's size, there may not be a fee to buy in at all. Mid to large companies buy what are called institutional shares. These shares have no initial sales charges and generally a lower expense ratio. This is because your company would have negotiated as a whole. Just like...

If you want to go to Hash House a Go Go, and you have a car, there's 4 locations in Vegas now. The one on Sahara is about a 15 minute drive from the strip and is really only crazy busy on the weekend. Also, the one at the M which is down the 15 about 10-15 minutes from the strip shouldn't ever...

Maybe she murders some hick meth head and gets sent to maximum security.

Pretty sure people know if you add Tucky to any area it's the redneck hick area.

I have lots of business customers tell me the same thing then they hit a rough patch and go under because of cash flow. In fact most businesses fail, not because of a bad idea, but because of cash flow. Just because you have it doesn't mean you need to use it all the time.

Do you or your spouse still work? You seem like a perfect person for a line of credit for your business. It's going to be hard as a start up though if you don't have any outside income. Even a $20-30k one would help your cash flow greatly.

Get a copy of the plan. Some you can, some you cannot.

When he was talking through and then making out with the mask it was hilarious!

Yeah because Fannie/Freddie is totally the private market. They're other government organizations buying the loan. And they still charge MI with that little down.

Let me change the conversation a little bit then. There is no private market for 3.5% down loans. Period. Investors have no appetite for minimal returns where if the housing market takes a shit, they get stuck with houses. So the government has to step in if you want loans with that little...

Just to add. There is no private market for mortgages with people putting down 3.5%. That's why the government fills the gap. Also, I don't know how you can say that MI is a just there to help the banks make money. How do you think that the FHA pays for that program? They use the MI...

What happens when the roof needs replacing? 3.5% down on FHA (the minimum) is $8750 on a $250k home. A new roof or a new AC system can cost almost that much.

Then maybe they should just rent. There's nothing wrong with renting. If you can't save say even 10%, how will you have money to fix stuff when it breaks?

Even the lowest average rate was 2.56% on a 15 year the week of 5/3. Those rates are the ideal rates though. That's a $200k+ loan with 20% down and top credit. Most people don't qualify for the best rate. The rates have jumped quite a bit in the last few weeks though. Almost all the way up...

Oak Park is really split into two very different areas. The Southern and Eastern Parts of Oak Park are much poorer than the Northern Parts and around the Frank Llyod Wright houses. That's where you get the lower average property value.

Vancouver Canucks. Two Girls, no cups. Suck it Sedin sisters.