How Leverage Affect Real Estate Investments?
Leverage is the utilization of different financial instruments or borrowed money to buy and increment the potential return on an investment. Leverage is one of the most misunderstood parts of financing in real estate, and its understanding is necessary to figure out how to effectively use financing in developing, retaining and maximizing wealth through investment in real estate. When used properly, it can surely increase the profit on the cash invested. But, it is generally said that leverage and risk go hand in hand, this is quite often the case.
Suppose that you've been looking for a house in your neighborhood. You discover 2 properties: a $500,000 house for which you will require a home loan and a $100,000 house that you could purchase with your own money.
Situation 1: You purchase the $500,000 house by investing $100,000 and taking a mortgage from the bank of $400,000 for purchasing the property. Suppose the real estate in this area goes up by 5% a year, in 12 months the investment will be worth $525,000.
Situation 2: You purchase the $100,000 house and there's no home loan and you don't need to give anyone anything. If the real estate goes up 5% a year, in 12 months your investment in mortgages will be worth $105,000.
In Situation 1, leverage worked to support you, expanding the value of your investment. However, if the real-estate price fell by 5% in that first year, Situation 1 would have lost $25,000. Situation 2 would have seen a decrease of just $5,000.
If utilized legitimately, real estate leverage can prove to be an effective tool for investors to expand their return on investment. The key is to abstain from making decisions without legitimate consideration of the areas of risk in leverage. Stay away from these high-risk practices and you have a far superior chance of acknowledging accomplishment in utilizing real estate leverage.
A lot of real estate's investors have gotten into trouble by expecting what occurred before will happen once more. Maybe a previous couple of years have been great in the real estate marketing. But, history is not a predictor of future – you can't depend on the future to produce similar outcomes.
Regardless of whether the property has been acknowledging at a 12% to 20% rate for various years, depending on that rate to proceed is an extremely dangerous step. It can make you overpay for properties.
So, when you plan your leveraged real estate investments, think at least three possible scenarios: best; worst; and most likely.
It can appear like an incredible investment to own a property with a very small down-payment. You are just looking at the numbers and seeing an extremely high return on investment because of your low money cost.
The issue is the higher installments that accompany higher leverage. In case this is a mortgage, for example, you can rely on making monthly installments, and the more you borrow, the higher the installment will be.
Should the market soften or your properties experience higher-than-anticipated opening or credit losses, you could get yourself unable to keep up those higher mortgage installments that appeared to be fine at the start. If you can't make the monthlies, your investment is in peril.
Just because you can get a property with less cost doesn't imply that it's a good purchase. Analyze the value of the property with regards to present and expected market trends. Find comparable properties or other properties like it. What have they sold for? What is the price in the region?
If the property is overrated, appreciation will be insignificant or worse, be non-existent. Furthermore, if time is not in your favor and the market retrace itself for a while, your overrated property will be a critical drag and you'll not have the capacity to unload it without taking a loss.
If just only one of these "don't" practices sticks in your mind, this is the one that you should consider precisely. An error in judgment is one of the alternate things here that can be ignored if you have that one extraordinary thing – amazing cash flow.
If your rental income, minus your mortgage expenses and costs, is putting a decent cash return in your pocket each month, then the way that the property didn't gain in value this year won't be as troubling of an occasion. However, if all your real estate investments are down, you're in danger. So, the conclusion of the story is that leverage is a tool that works well – when used properly.


text:
Seoul Issues Positive Response to North's Surprise Offer of Talks
By Steve Herman
South Korean Unification Ministry spokesperson Kim Hyung-seok reads a statement at a briefing room of Unification Ministry in Seoul, South Korea, June 6, 2013.
South Korea is reacting positively to a surprise offer from the North for talks on a wide range of issues. This marks a significant reversal of tensions on the peninsula, which had been at their highest state in decades.
South Korea's Unification Ministry says Seoul "positively accepts" Pyongyang's proposal for working-level talks.
Spokesman Kim Hyung-Seok tells reporters this will be an opportunity to build trust between the two Koreas and that details relating to the date and agenda will be announced later.
North Korea's surprise offer of talks was issued in the name of the Committee for the Peaceful Reunification of the Fatherland. It came in a special announcement aired shortly after 12 noon (Thursday) on North Korean radio and television.
The North Korean announcer says the North proposes holding talks about normalizing the operation in the Kaesong Industrial Zone and resuming tours to Mt. Kumgang. Humanitarian issues, such as the reunion of separated families and their relatives, can also be discussed during the talks, if necessary.
The announcer adds that Pyongyang will allow Seoul to set the place and date of the meeting.
The Kaesong industrial complex, just north of the border, ceased operations in April, when North Korea pulled its 43,000 factory workers from the complex.
Seoul has already offered working-level talks, but only to discuss allowing the managers of the more than 100 South Korean factories in the zone to be able to retrieve raw materials and finished goods left behind after they pulled out.
The Kumgang mountain tourism resort, another rare inter-Korean cooperative venture, also generated millions of dollars worth of revenue for the communist government. Three years ago, the North seized the assets of the South Korean government and private entities at the resort. It expelled the South Korean workers who had remained behind to maintain hotels and restaurants following a 2008 incident in which a South Korean was shot dead by a North Korean soldier near the resort.
The North's relatively flexible offer of talks about the halted projects is seen as a significant reversal after recent months of bellicose rhetoric.
Pyongyang had threatened to launch a nuclear war - a threat not taken very seriously by Seoul or Washington. It also declared the 1953 Korean War armistice to be void and vowed to continue pursuing its development of nuclear weapons and ballistic missiles in defiance of international sanctions.
The offer of talks from Pyongyang was made just after South Korean President Park Geun-hye gave a Memorial Day speech that contained remarks directed at the North.
President Park says "North Korea must give up its policies that are fueling its isolation and backwardness and bravely accept the hand of reconciliation being offered by South Korea and the global community and strive for mutual prosperity."
The two Koreas have never established diplomatic relations nor signed a peace treaty.
(( SIGNED))
Steve Herman
White House Bureau Chief

redpajama_set_name: RedPajamaCommonCrawl


text:
Q: python checker lines for json file I have a json file:
{
  "alreadyScraped": [
        {
              "name": "ahmed  Red",
              "card_number": "4859430145105235",
              "expiration_date": "07/20 619",
              "address": "54 7ron St",
              "city": "RoGester",
              "state": "NY",
              "zip": "14619",
              "country": "US"
        }
  ]
}

I have also a file txt
ahmed  Red
454544887788
07/10 719
54 7ron St
RoGester, NY 45619 US
rrzo  ted
485985540145105235
07/50 619
54 grn St
Rorhter, NY 14419 US
foko  Red
477879430145105235
10/10 809
54 rtgn St
Rorgster, NY 1th19 US

here my code fix it please, I want it to check if that text exist in json file or not that's all I want.
clean = []
file = open("text.txt","r").readlines()
for lines in file:

    clean.append(lines.strip())

for i, line in zip(cycle(range(5)), clean):
            if i ==0:
                  vvc_info = { here the checker!
                        "name":clean[0],
                        "card_number":clean[1],
                        "expiration_date":clean[2],
                        "address":clean[3],
                        "city":clean[4].split()[0].replace(',', ''),
                        "state":clean[4].split()[1],
                        "zip":clean[4].split()[2],
                        "country":clean[4].split()[3]  }
            if not vvc_info in db["alreadyScraped"]:
                                print(vvc_info["name"])

A: Maybe like this:
import json

file = open("textfile.txt", "r")
clean = []
for lines in file.readlines():
    clean.append(lines.strip())

x = {
    "alreadyScraped": {
        "name":              clean[0],
        "card_number":       clean[1],
        "expiration_date":   clean[2],
        "address":           clean[3],
        "city":              clean[4],
        "state":             clean[5],
        "zip":               clean[6],
        "country":           clean[7]
    }
}

# Parse to JSON
y = json.dumps(x)
z = json.loads(y)

print(z['alreadyScraped']['name'])

redpajama_set_name: RedPajamaStackExchange


text:
Corey Taylor Says on TMZ: "I get the benefits of fame without them"
ByYunus Emre Özdiyar Posted on December 6, 2020
Corey Taylor says "I get the benefits of fame without TMZ." SLIPKNOT and STONE SOUR frontman also talked about quarantine days, his latest album, and the TMZ.
Before that pandemic, Corey Taylor working on his new solo project. His solo album "CMFT," also released on October 2nd, 2020. In this latest album, Taylor works with Christian Martucci (guitar), Zach Throne (guitar), Jason Christopher (bass), and Dustin Robert (drums) on the record session.
And, in May 2019, SLIPKNOT's new costumes were revealed with the band's appearance on the "Jimmy Kimmel Live!" show.
During the interview with "Bertcast" program host Bert Kreischer on his YouTube Channel. Corey Taylor talks about SLIPKNOT's early days, without mask event and TMZ:
"The first couple of years was rad. But then the more success we got, obviously, it's human nature, man — the ego starts to come out.
As much as people think it was the reason I put STONE SOUR back together, it's not. For me, that was about writing music again, 'cause I just wasn't being able to write music in SLIPKNOT, 'cause I'm just not that good; I'm not as good as those guys are at intricate riffs and shit. I've gotten better, but at the time, I wasn't getting to write music. I just felt unfulfilled. So I put that back together. But the by-product of was now all of a sudden people know I look like."
Then he continued with TMZ:
"I get the benefits of fame without the TMZ shit. I don't get any of that shit. I get to play in front of thousands, millions of people. I get to do cool shit like this, and I can still chill at home. Nobody's camping outside my fucking house.
All my kids are taken care of. My bills are paid. I have no fucking worries. I love it. It's the best."
He also recently said in his latest interview SLIPKNOT's new album coming next year. Watch the interview below!
Yunus Emre Özdiyar
Hello, I'm Yunus Emre Ozdiyar.
I'm a graduate from the Department of Physics at Istanbul University and interested in cinema, music, games, and technology. I love to discover and write about what's new. However, English is not my mother tongue. I'm aware that I have lots of mistakes, especially grammar wise... But I am trying to be better every day. If you have any questions or tips, please contact me: yunusemreozdiyar@gmail.com
I'm a founder and editor in chief @chaospinmag @sertseslimag
Zack Snyder's Justice League 2 may release for the theatres in this year
ByEfe Eren Genc March 19, 2021
Zack Snyder's Justice League has finally been released on HBO Max, to the fans' excitement. Its sequel might release for theatres despite popular belief. Warner Bros has reportedly changed their minds as to whether release the sequel…
Read More Zack Snyder's Justice League 2 may release for the theatres in this yearContinue
Cannibal Corpse member Pat O'Brien reveals photo since the arrest
ByYunus Emre Özdiyar February 18, 2020 February 18, 2020
Cannibal Corpse member Patrick "Pat" O'Brien just reveals for the first time photo since his December 2018 arrest. Patrick "Pat" O'Brien arrested in on December 10, 2018. The reason for that burglary and assaulting a…
Read More Cannibal Corpse member Pat O'Brien reveals photo since the arrestContinue
The 10 Best French Montana Songs of All-Time
Born in Morocco and raised in the Bronx, French Montana is a hip-hop artist who has had a successful career in music. He started making music when he was just a teenager and released his…
Read More The 10 Best French Montana Songs of All-TimeContinue
The 10 Best Teddy Pendergrass Songs of All-Time
ByThomas Newman July 19, 2021 July 18, 2021
Teddy Pendergrass was one of the most successful and influential soul singers in America. He is best known for his singing voice, which he used to sing with a gospel choir. With ten albums and…
Read More The 10 Best Teddy Pendergrass Songs of All-TimeContinue
Nita Strauss talks important things about her upcoming album project
ByYunus Emre Özdiyar April 11, 2020 April 11, 2020
Nita Strauss from Alice Cooper's guitarist talks about so important things. She also continues the upcoming new album project. Nita is the best known female guitarist in the world. We can already mention her coronavirus…
Read More Nita Strauss talks important things about her upcoming album projectContinue
Ranking All the Billy Idol Studio Albums
Billy Idol, whose real name is William Michael Albert Broad, was born in London on November 30, 1955. He began his career in the early 1970s and was initially a guitarist in the punk rock…
Read More Ranking All the Billy Idol Studio AlbumsContinue


Loving your colorful creations...wonderful, joyful and fab!
Does look like you are having fun reproducing these lovely mugs! Enjoy!
So exciting to watch all these cups manifest in Tracey style...so far love both!! Wow loads of fun for you and us!!Great Pumpkin sketch too!!
Ps. Might want to shut the windows in case mr. tuba next door decides to play along with your singing!!
I think this is such a fantastic idea and I love seeing the different mugs that folk have sent to you. As for loud singing - I tend to do that when I'm driving to the beach to walk the dogs - I currently have Bruno Mars' new cd on and sing 'when I was your man' repeatedly!
YeeHaw! Your happiness over mugs/cups is making me happy! More cups!!! More Cups! More Cups!
This is a wonderful idea. I know everyone is so excited when they see their mug painted by you. Awesome.
I love what Giggles wrote about Mr. Tuba. Just think what beautiful music you could make together.
YiPpEe! It's a B&W 'harlequin' mug. Yeah I knw they're spots but it has always reminded me of harlequin patterns. (well when I've got my glasses off I s'pose, lol) Love it and it's 'flaws' so much.
Talk about 'seeing spots before your eyes!' brilliantly done...and terrific seed packet too. You are not the only one who calls a child by the name of a vegetable...we used to call our daughter 'punkin' too...so apparently it's almost universal...wonder where that came from? have fun!
oh you are amazing my sweet friend!!! I love your latest works and that cuppa a day project sounds super amazing!!!!! you are on a roll girl!!!!!
Your sketches are lovely. I don't know why, even I call my little ones sweet pumpkins.
Tracey, I'm loving seeing all these colorful mugs and cups! Thanks so much for making me smile! I'm getting ready to send you my pics right now!
I say, sing away! Enthusiasm is important in many endeavors and I think singing is one of them. Absolutely charming paintings, your little pumpkin packet is quite sweet and the mugs are so much fun!
even in just 20 minutes you make a fabulous illustration. Loving it!
I enjoy when you create super colorful pieces like the two cups.
Mo's dotty mug makes me feel cross-eyed too when I look at it, but it's a great painting (and a great mug too, Mo). I cannot draw a cup or mug that looks realistic for the life of me, and the fact that I'm trying to do so at the moment increases my admiration for you tremendously.
And both Pumpkin's are a delight.
Loving your drawings! Your cheerfullness certainly comes through in them!
I love being called pumpkin and I don't know why, so I like that term of endearment for your daughter. Yeah, this is a a happy fun tea loving project you have going. I'm so glad you have so many folks sending you mugs to paint. I look forward to seeing them. Best wishes to you!
I don't blame you for letting rip though Trace...you sound so happy and in the zone there...it's wonderful to hear and is definitely infectious.
Tanfastic!! Love what you're doing.
This is a wonderful way to have a theme for ICAD. I look forward to all these cups and mugs.
I've missed your blog posts during my move,Tracey, and after reading and looking at this one...I remember why. I LOVE your energy, paintings and especially your relationship with Phantom Steve. Give her a big, humungous hug from someone who can't hug their children...or grandchildren every day!


BOSTON (AP) - A judge presiding over the double murder case against former New England Patriots star Aaron Hernandez says he's not inclined to delay the trial, scheduled to begin next month.
Hernandez' lawyers sought a delay Thursday among several other motions during a hearing in Suffolk Superior Court.
Hernandez' attorney Jose Baez says the defense is working around the clock but "simply can't keep up" with evidence being turned over by prosecutors.


text:
#ifndef DSRTCOSP_H
#define DSRTCOSP_H

#include "dcmtk/config/osconfig.h"   /* make sure OS specific configuration is included first */

#include "dcmtk/dcmsr/dsrtypes.h"
#include "dcmtk/dcmsr/dsrtlist.h"

/*---------------------*
 *  class declaration  *
 *---------------------*/

/** Class for referenced sample position list
 */
class DSRReferencedSamplePositionList
  : public DSRListOfItems<Uint32>
{

  public:

    /** default constructor
     */
    DSRReferencedSamplePositionList();

    /** copy constructor
     ** @param  lst  list to be copied
     */
    DSRReferencedSamplePositionList(const DSRReferencedSamplePositionList &lst);

    /** destructor
     */
    virtual ~DSRReferencedSamplePositionList();

    /** assignment operator
     ** @param  lst  list to be copied
     ** @return reference to this list after 'lst' has been copied
     */
    DSRReferencedSamplePositionList &operator=(const DSRReferencedSamplePositionList &lst);

    /** print list of referenced sample positions.
     *  The output of a typical list looks like this: 1,2,3 or 1,... if shortened.
     ** @param  stream     output stream to which the list should be printed
     *  @param  flags      flag used to customize the output (see DSRTypes::PF_xxx)
     *  @param  separator  character specifying the separator between the list items
     ** @return status, EC_Normal if successful, an error code otherwise
     */
    OFCondition print(STD_NAMESPACE ostream &stream,
                      const size_t flags = 0,
                      const char separator = ',') const;

    /** read list of referenced sample positions
     ** @param  dataset    DICOM dataset from which the list should be read
     ** @return status, EC_Normal if successful, an error code otherwise
     */
    OFCondition read(DcmItem &dataset);

    /** write list of referenced sample positions
     ** @param  dataset    DICOM dataset to which the list should be written
     ** @return status, EC_Normal if successful, an error code otherwise
     */
    OFCondition write(DcmItem &dataset) const;

    /** put list of referenced sample positions as a string.
     *  This function expects the same input format as created by print(), i.e. a comma
     *  separated list of numerical values.
     ** @param  stringValue  string value to be set
     ** @return status, EC_Normal if successful, an error code otherwise
     */
    OFCondition putString(const char *stringValue);
};

#endif

/*
 *  CVS/RCS Log:
 *  $Log: dsrtcosp.h,v $
 *  Revision 1.12  2010-10-14 13:16:33  joergr
 *  Updated copyright header. Added reference to COPYRIGHT file.
 *
 *  Revision 1.11  2009-10-13 14:57:50  uli
 *  Switched to logging mechanism provided by the "new" oflog module.
 *
 *  Revision 1.10  2007-11-15 16:33:19  joergr
 *  Fixed coding style to be more consistent.
 *
 *  Revision 1.9  2006/08/15 16:40:03  meichel
 *  Updated the code in module dcmsr to correctly compile when
 *    all standard C++ classes remain in namespace std.
 *
 *  Revision 1.8  2005/12/08 16:05:21  meichel
 *  Changed include path schema for all DCMTK header files
 *
 *  Revision 1.7  2003/08/07 12:51:38  joergr
 *  Added new putString() method.
 *
 *  Revision 1.6  2003/06/03 10:16:44  meichel
 *  Renamed local variables to avoid name clashes with STL
 *
 *  Revision 1.5  2001/09/26 13:04:12  meichel
 *  Adapted dcmsr to class OFCondition
 *
 *  Revision 1.4  2001/06/01 15:51:04  meichel
 *  Updated copyright header
 *
 *  Revision 1.3  2000/11/06 11:19:43  joergr
 *  Added parameter to print() method specifying the item separator character.
 *
 *  Revision 1.2  2000/11/01 16:20:24  joergr
 *  Updated comments/formatting.
 *
 *  Revision 1.1  2000/10/26 14:23:24  joergr
 *  Added support for TCOORD content item.
 *
 *
 *
 */

redpajama_set_name: RedPajamaGithub


We are immensely delighted with the announcement of the Rt. Revd. Dame Sarah Mullally to be the 133rd Bishop of London. Bishop Sarah brings with her a wide range of gifts, including leadership at a national level. This now brings the number of Women diocesan bishops to three all of whom have a place in the House of Lords. We offer our prayers as she takes on this significant role. Her gifts will hold her in good stead as she leads London from its current place as one of the lowest performing in terms of women in ministry and senior leadership roles. This is a significant appointment for the Church of England and its commitment to making appointments to all levels of ministry regardless of gender. This welcome appointment sends out a signal beyond the church and will, we believe, be positive in terms of the church's mission in the 21st century. We look forward to seeing Bishop Sarah take up this role and pray that the diocese of London will flourish under her care.


Our past is extremely powerful and exerts a tremendous influence on our level of health and happiness. Yes indeed, our past conditions our mind and informs the circumstances of our current life. It is vast, made up of millions of lives. Babies are not as fresh and new as they look at birth. When a baby is born, he/she carries the imprint of past lives; the absorbed memories and understandings from previous incarnations, in combination with the sum of all karmas. These genetic, karmic and planetary influences keep our attention locked in the past and as a result, become obstacles that prevent us from living in the present moment.
Emotional memories permeate our body and spinal cord, insidiously bubbling up in our conscious mind. In turn, patterns are created in the brain causing us to behave in certain ways, including replaying the traumas that have occurred in our lives. We become addicted to past negative emotional states in the same way that an alcoholic becomes addicted to alcohol. In so doing, we prevent ourselves from enjoying a successful, happy future. Instead, we become caught in a vicious loop of re-experiencing and re-enacting the same negative emotional states, even if the people, places and events of our lives change. We live with a limited mind, and are unable to experience our vastness. Harmonyum helps us to release the past so that it does not tarnish our blessings. Indeed, with Harmonyum, we create the room to receive the abundant gifts that Heaven brings to us each and every day. The Harmonyum healing system is unparalleled in its ability to progressively clean the karmas written on our spinal cord so that the past does not exert a negative influence on the future. This is important, because the human brain controls emotions and the spine is an extension of the brain. Moreover, the power of God is in your spinal column. Harmonyum turns our spinal column into a healing house. Interestingly, unknown to most, every human being has seven spines. By working with these various spines, Harmonyum positively affects the entire brain, targeting emotional traumas, bad habits, and the root causes of mental, emotional, and physical disturbances.
There is no shortcut to Freedom. You have to face yourself; your darkness, so that you are able to raise your consciousness. Harmonyum forces you to see all the 'junk' you carry within. This is an essential step in the path to progressing beyond your current state of being. A Harmonyum Healing treatment is gentle. It does not harass you. It simply makes you aware of who you are. In turn, you become less neurotic and anxious. Anxieties, angers, insecurities, fears, and health challenges disappear and a great peace descends upon you. Indeed, Harmonyum removes anything that prevents the smooth flow of life within us, allowing our personality to gradually achieve integration and wholeness. As a result, health spreads to every function of the mind and body, and happiness ensues as a permanent blessing. That's not all, Harmonyum eventually bestows healing powers upon the recipient, providing him/her with the ability to "pay it forward" and bring harmony to the people in their lives and their surroundings, thereby bestowing multiple blessings.
You may wonder how a Harmonyum treatment works. Relaxation is the key to peace and healing stillness, and to maintaining a positive state that we need in this stressful world. One of the keys to spiritual growth is relaxation, because a relaxed body cannot contain a destructive emotion. Harmonyum automatically takes you to a relaxation state. As a result, our field of consciousness expands, and vital energies become available to the mind, and are therefore redirected to our higher faculties. Through continuous Harmonyum Healing sessions, we enter into a state of flow where we no longer exercise our little will but surrender to the greater Will of God. We are then able to become aware of the blessings that exist around us. As a result, our intuitive intelligence provides us with the understanding that we seek and the knowledge that can be useful for our healing and happiness.
Receiving Harmonyum on a regular basis causes our thoughts to become clear, leading us to find solutions to all of our problems. All the impurities caused by worshiping gossip, anger, fear, pride, lust, envy, jealousy, etc., and all other defects that we love so much, cause us to misuse our creative forces. We take all the forces and energies that we receive everyday, and we feed our unhealthy habits with them. By misusing our creative energy, our spinal column is not allowed to receive the forces from above. As a result, our spine loses its fire, and our energy becomes blocked and stuck. Harmonyum activates the fire of each of the seven spines, so that you may experience self-healing. Harmonyum is an initiation into our true essence. It is an initiation into the Mysteries of Light. Harmonyum is a conscious realization of the Light. It is the beginning of the process of gradual development of self-awareness and of self-actualization.
Harmonyum raises our consciousness so that we may change our attitude and allow the forces of the Shekinah to create in a positive way as opposed to a negative way. Harmonyum Healing allows you to work with the Body of Pain so as to direct all the forces of your being in the right direction. Harmonyum awakens the force of life within so that we may become Nephesh Chaiah; a living soul.
I have gratefully received two Harmonyum healings. Both times I fell asleep. Each time I felt both subtle and profound changes. I am looking forward to more Harmonyum treatments. Everyone can benefit from this wonderful Blessing !!