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Christopher Robert
Works at EHI
Attended University of Dayton
334 followers|1,103,758 views
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Christopher Robert

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Tim Bavington—an artist based in Las Vegas, Nevada—is not the first artist who tries to paint music but he might be the most precise at it. He came up with a color-coded chord wheel that helps him translate notes into colors so he can make paintings that are exact visualizations of his favorite songs.
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Christopher Robert

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Great idea would love to own one of these. especially once they get better range and speed. 
Meet the Bolt: a small, lightweight, and portable electric skateboard that helps you get to your destination with less effort. You can carry it anywhere and use it when you need to get around. It has a top speed of 21 km/h and a range of 10 km. It measures 60 x 25 x 10.5cm …
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Pumped about this! I loved #PlanetEarth
In a move that's sure to convince people to buy 4K TVs, Variety reports that Netflix is now collaborating with the creators of the popular Planet Earth documentaries to release a massive nature...
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Not AT ALL A FAN of Hillary, but getting money out of politics needs to happen ASAP. #wakeupamerica  
She said she's making reform of our political system one of her top four campaign priorities.
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Christopher Robert

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Some people who make tons of money DO have souls, some have better ones than people who make less money than them.  
Dan Price, the owner of Gravity Payments, has announced he will raise his employees' minimum annual salary to $70,000 while cutting his own. The generous move comes as the pay gap between CEOs and workers in the US grows ever larger.
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Christopher Robert's profile photoFrank Dunn's profile photo
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+Christopher Robert It's not about the money you are currently making. It is about your potential. This is the serpents' apple of Socialism. Here have a little more than you had yesterday. Just get comfortable where you are. Relax, we will take care of you. It is a lie. It destroys incentive.

He can pay his employees whatever he wants. I am not opposed to him raising everyone's salary. But the concept in the free market is flawed and will lead to its destruction.

It is the ploy of Socialist to look only at today and invent the issue of a pay gap in order to drive a wedge between the classes they attempt to create.
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Just curious everyone I know paid taxes, right?

I'm actually surprised it's only 15...
At least 15 Fortune 500 companies, many of them worth north of a $1 billion, paid zero income taxes in 2014, says a report out last week from the Citizens for Tax Justice.
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Christopher Robert

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DO NOT DO THIS!!!!

This article was definitely not written by anyone with Finance as part of their background.  A 15 year mortgage is a BAD idea 100% of the time. Let me explain:

1st - It locks you into a higher payment, This means that you do not have the flexibility and will make your budget tighter.  Even if you can afford it if something unexpected happens you will not easily be able to refinance the loan back out to 30 years to lower your payment. IT PUTS YOU AT A GREAT RISK TO LOOSE YOUR HOUSE.

2nd - What you want in a mortgage is "NO PRE-PAYMENT PENALTIES" and to always accept the longest term possible.  30 years+. Think of it this way.  If take the payment calculated for a 15 year mortgage and pay it towards a 30 year mortgage you will pay off your house in about 11.5 years.  This is because the extra amount you pay each month goes directly toward your principle and thus lowers the interest you will be charged even faster, which in turn makes more of your next payment go towards the principle having a compound effect over the life of your loan. 

All this added up would save you about the interest of  $190,268 from the example article as well as 3.5 years of payments.  

Basically Banks and credit agencies don't want you to know this, because it makes the loan they give you almost worthless.  They barely make any interest income off of you. 
A 30-year fixed-rate mortgage is the standard in the industry right now, but with interest rates so low, is the 15-year loan a better option?
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Michael Mason's profile photoChristopher Robert's profile photo
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It's all about how much of each payment goes to the privilege versus the interest. Generally speaking the first 5 years of your mortgage payments go all to the interest and not to the principle even on a 15 year mortgage. The loans are not a normal straight amortization table at least in my years of mortgage brokering they never have been. So if you are on a 15 yr mortgage but and you pay the normal payment it will take u 15 yrs. However if you are on a 30 year and you pay that same mount as the 15 yr payment you will have money going towards paying down the principle right away. On a normal mortgage loan table that means you will save about 3.5 years on average of payments. Turning the same loan from 15 years into 11.5 ish years. Do the math, look at an amortization table the facts are there.

I used to work in home mortgages right out of school. Trust me it's a trick of the trade. As a home owner you should never take a 15 year mortgage. If you do you got ripped off.

Also in many cases the 15 years mortgage will have a higher interest rate not a lower one. Because it puts your debt to income ratio at a higher level making it a riskier loan for the bank.

That's what I mean about this article it is completely false and intentionally misleading.

+Michael Mason

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These things are cool. 
The one and only place to purchase the ZBoard - the weight-sensing electric skateboard.
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For those of you who live in the USA and still think your vote counts.... This evoting machine is one of the easiet things to hack I have ever seen. Please #WakeUpAmerica and realise your vote does not count anymore. 
Virginia decertifies device that used weak passwords and wasn't updated in 10 years.
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More proof your #iPhone is made by Samsung and then marked up even more by Apple. 
Samsung has reportedly created a team of around 200 employees to work exclusively on display technology for Apple products, as well as strengthening relations between the two giants. According to Bloomberg: "The team at Samsung Display Co, which provides screens for iPads and MacBooks, helps develop products and is only allowed to share information about Apple's business within...
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Christopher Robert

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Don't miss 2 Hall of Famers on 1 stage during "An Evening with Red and Lou" on Monday, April 20. Details: http://atmlb.com/1JHWEqW

Tickets include:
Cocktail party on the Field
Photo opportunity with 1967 World Series Championship Trophy
Dinner and drinks in Redbird Club
90 min Q&A session with Lou, Red & broadcaster Dan McLaughlin
Autographed baseball (by both Schoendienst & Brock)
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Join the Pony Express to deliver 100 letters! #GoogleDoodle
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Have him in circles
334 people
Colleen Jaycox Mann's profile photo
felix abdullah's profile photo
rebecca gieseking's profile photo
Ted Preston's profile photo
Mellisa Jaycox's profile photo
Eileen McDonald's profile photo
Filip Szulski's profile photo
Jennifer Decker's profile photo
Liz Maritz's profile photo
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  • University of Dayton
    Finance, 2003 - 2007
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    IT Business Management - Business Analyst, 2013 - present
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