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Anna Tyler
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Taxi drivers and cab companies across the globe are in an uproar over Uber, and for good reason, too-you just can’t compete with the low fares and ease of use that Uber brings to the table. The only downside is that the groundbreaking ride share service usually requires a smartphone-but that shouldn’t be an issue anymore with one simple tip that I’ll outline below.

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Your New Xbox One Experience begins today and I recently had the opportunity to chat with Mike Ybarra, Director of Program Management, Xbox about this complete transformation coming to Xbox One.

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Welcome to Minecraft: Pocket Edition! Minecraft is a game about placing blocks and going on adventures. Pocket Edition includes Survival and Creative modes, multiplayer over a local Wi-Fi network, infinite worlds, caves, new biomes, mobs, villages and lots more.

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One of the best things about the HOLD: How to Find, Buy, and Rent Houses for Wealth investment model is the more properties you acquire, the easier it becomes to acquire more. It’s called leveraging, but not all leveraging strategies are equal. Some are more complicated than others; you should consult your HOLD team to learn about the possibilities of each strategy, as well as the pitfalls.
Three of the best leveraging models for beginning investors include tapping your equity, expanding into other markets, and trading up with a 1031 exchange.
Tapping your equity
Your return on equity falls as you pay down your mortgage, and when you reach a certain threshold, you should consider pulling some of that equity to work toward your wealth-building plan. You have three options: Sell, refinance, or take out a loan.
You might choose to sell the property and reinvest the equity; however, you lose a great asset with this choice.
Refinancing your property can allow you to access some of the equity in your property. However, numerous regulations apply, including a common requirement to leave 30% of the equity in the property. Talk to an expert, such as your HOLD mortgage advisor to see if this is a good option for you.
A line of credit can allow you to make your equity into a useable asset. With this option, you take a loan against your equity and apply the cash toward the purchase of a new property. You pay interest only for the months you use the money, so you can spread out the loan. However, interest rates can fluctuate according to the prime lending rate and other factors, and you can be charged penalties for late payments.
Expanding your portfolio into other markets
Owning properties in multiple states is a way to diversify where you own properties. For example, the market could be hot in North Dakota at the same time it’s leveling off in Florida.
Having properties in multiple states can help you bridge market ups and downs. This strategy also allows you more flexibility should you want or need to liquidate.
Trading up with a 1031 exchange
Section 1031 of the United States Internal Revenue Code lets you sell an investment property and buy a like-kind replacement property without paying income tax. One of the best things about this strategy is you can keep trading up indefinitely without paying taxes. The premise is that when reinvesting the proceeds in a new property, you are not generating money to pay taxes.
However, this option does have drawbacks.
Limited time frame for reinvesting your proceeds
Severe penalties for a disallowed exchange
Complicated process with many restrictions
Consult with your HOLD investment professionals to make sure don’t run into any of these problems.
There are many opportunities, options, and strategies for leveraging your current investments to acquire new properties. That’s the magic of property investing: The more you invest, the more you are able to invest. Along the way, you keep building wealth to secure you and your family’s future.

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I ask the people of Lebanon and Beirut to forgive us – all of us in America, Europe, and around the world. A day before the attacks in Paris, bombs went off in a busy shopping district killing 43 and wounding hundreds more. I would have been outraged upon hearing this story – but it was kept on the back burner or maybe completely off the grid.
I only learned about the Beirut story by default – I saw it on Facebook. I cringed at my lack of knowledge regarding the subject, but noted to myself that I hadn’t heard about it on the radio or during my cruising of the evening news channels.
The very fact that I can no longer watch one channel for news perhaps says something about me and, indirectly, about the channels presenting the news. There is so much filler, so much banter (I know, this is meant to have us believe these talking heads like each other), and the stories presented themselves are at times very slow moving, inspiring me to hit the remote and try to find something better.
Even though I do not watch the news properly, I should have been able to run across a story about the Beirut bombings, but I did not. The lack of coverage is appalling, and in article in The New York Times we understand how the world’s reaction to the Paris attacks only enhances the pain in Lebanon, where no explanation for such a disparity in coverage can ease the pain.
“When my people died, no country bothered to light up its landmarks in the colors of their flag,” Elie Fares, a Lebanese doctor, wrote on his blog. “When my people died, they did not send the world into mourning. Their death was but an irrelevant fleck along the international news cycle, something that happens in THOSE parts of the world.”
One can completely understand Dr. Fares’s reaction, and the curious thing is that no one went with this story. Since ISIS claimed responsibility for the Beirut attack, it would seem that would be a leading news story; instead, I didn’t hear about it until today. There is definitely something wrong with this picture.
It isn’t acceptable to ignore a story because of where it happens. Did U.S. news outlets figure this bombing in Beirut was just more of the same in the Middle East? Perhaps it was a case of something more pernicious – the story about ISIS killing other Muslims didn’t seem as important as when ISIS killed white Christians in a European tourist mecca.
Have we become so inured to violence in that part of the world? It does matter that this story received minimal if any coverage, and the truth is that the problem with ISIS is not a French problem, not a Syrian problem, or a Lebanese one – it is the world’s problem.
President Obama, reacting to the Paris attacks, rightly said, “This is an attack on all humanity and the universal values we share.” This should be then something that refers to all nations – people of all colors, all religions, and all nationalities. This kind of outrage must resonate across the planet and affect change on every continent, in every country, and for all people.
Indian blogger Karuna Ezara Parikh responded to the disparity in coverage of the Beirut and Paris attacks quite eloquently:
It’s not Paris we should pray for, it is the world. It is a world in which Beirut, reeling from bombings … is not covered in the press. A world in which a bomb goes off at a funeral in Baghdad, and not one person’s status update says “Baghdad” because not one white person died in that fire…
This lack of coverage about this terrible incident in Beirut is an injustice to the Lebanese people. There can be no explanation that makes sense or soothes the pain for the inequity is glaring.
Dr. Martin Luther King Jr., in his letter from the Birmingham jail, succinctly described the situation then that applies now to the world’s predicament with ISIS and other terrorist groups.
Injustice anywhere is a threat to justice everywhere. We are caught in an inescapable network of mutuality, tied in a single garment of destiny. Whatever affects one directly, affects all indirectly.
So we are all in this together. That includes Syria, Iraq, Iran, India, China, Russia, France, the U.S., and every nation on earth. It is up to us – all of us – to proceed in a way that says every life matters. That is the only way we can defeat a group like ISIS that has a philosophy that no lives matter – not even those of its own members.
We all must believe that peace is attainable in this world. John Lennon once wrote, “War is over if you want it.” Now it is up to us – all of us – to be serious about wanting it.
The media owes an apology to the people of Beirut and of Lebanon. That will not bring back those lost in the carnage in its streets, but it will help assuage the pain that the lack of coverage of their story caused. All lives matter – ALL lives – and it’s about time the media embraces that fact and proves it by the stories that are covered.

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 It was an abrupt turn in topic by Hillary Clinton at the Democratic debate on Saturday, moving from Wall Street policy and Wall Street contributions to small-dollar donors – and then outlining her role in the 9/11 recovery as a U.S. senator.

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The Greek government has announced one of the terrorist gunmen who had a part in killing over 120 in Paris on Friday evening entered Europe while masquerading as a refugee just six weeks ago.

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Ben Carson said the media was looking for a way to “tarnish” him after details about his offer to attend the U.S. Military Academy at West Point on a “full scholarship” came into question Friday.

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Check out the list and you will find funny birthday wishes for men and funny birthday wishes for friends so that that special day will go in laughter and fun.
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