When discussing the fact that LeBron James is far and away the best player on the planet, it seems that too many ignorant Laker fans try to argue that Kobe Bryant is at least on LeBron’s level, if not better. However, when asked to explain their reasoning, the only answer the Laker fans can come up with is that Kobe has won 5 championships. So lets take a look at the flaws in this argument.

Kobe Bryant was selected by the Charlotte Hornets with the 13th overall pick in the 1996 NBA draft. Now had Kobe done the honorable thing, the respectful thing, he would have shown gratitude to the Hornets for showing faith in his abilities, and worked his butt off to help the franchise turn things around, and possibly make a decent playoff run. But no, Kobe showed all the seedy characteristics of a spineless snake, and demanded he be traded to the title contending Lakers, where he could play under the best coach in the history of the game, Phil Jackson.

So the petulant little child got his way, betrayed the faith in which the Hornets had instilled in their draft pick, and headed West. Kobe saw little playing time in his first two seasons under Phil Jackson, although he managed to make his way into the Lakers starting lineup for their title run in 2000.

Playing alongside the leagues MVP Shaquille O’Neal, and veteran superstars Glen Rice and Ron Harper, Kobe’s number were very poor shooting a dismal 35% during his first finals series against the Indiana Pacers. He managed to average a sub-par 15 points per game, only slightly higher than Rice and Harper, despite the fact that Bryant took twice as many shots as the two of them combined. Luckily for Kobe, Shaq – the Lakers undisputed superstar – carried him on his shoulders, leading the Lakers to the championship with 38 points and 17 rebounds per game.

The 2001 finals series against the Philadelphia 76ers was the same old story – Kobe played Robin to Shaq’s Batman – riding the big mans coat-tails to a second consecutive title. Shaq lead all players with his 33 points and 16 rebounds per game.

A year later, the Lakers were confronted by a daunting task – how to overcome the Sacramento Kings. After being out-worked, out-hustled and out-played by their California neighbours, the Lakers found themselves in an unfamiliar situation, trailing 3 games to 2 in their Western conference Finals showdown. This time, not only did Kobe rely on Shaq to get the job done, he acquired the services of NBA commissioner David Stern, who together with the referees in charge, orchestrated one of the most disgusting displays of match-fixing in sporting history. In what is now commonly referred to as the ‘NBA’s biggest tragedy’, commissioner Stern ordered the referees in charge to “send the series to game 7, no matter what”. The commissioner was worried that the possibility of a Kings v Nets finals series would be terrible for TV ratings, and was determined to have at least one marketable franchise playing for the title in June…that marketable franchise he chose was the Lakers. Just YouTube the highlights from this game to see for yourself. Former NBA referee and convicted match-fixer Tim Donaghy was the scapegoat that the NBA used in order to sweep the scandal under the carpet – Donaghy went to prison, the Lakers won the title…that’s sweet old American diplomacy for you!

Despite the fact that the Lakers should not have even been playing in the 2002 finals, Shaq did what Shaq always does, and lead the Lakers to a 4-0 sweep over the New Jersey Nets. His 37 points and 13 rebounds earned him his 3rd straight Finals MVP award. By betraying the Hornets all those years earlier, Kobe was able to sit back and bask in Shaq’s glory.

After a very successful stint with the Lakers, Shaq decided it was time to move on – he had done everything possible for that franchise, single-handedly leading them to 3 straight titles, reminiscent of Michael Jordan’s impact with the Bulls back in the 90’s. In his first season without the big man, Kobe lead the Lakers to a shocking 34-48 record – quite embarrassing for a team who had just won 3 championships – but hey, I guess thats what happens when a team loses its Batman. A team of Robin’s simply cant compete.

So the evidence is clear – Kobe’s contribution to the Lakers championships is far from great – he played 2nd fiddle, just like Scottie Pippen played 2nd fiddle to Jordan all those years earlier. Without the influence of Shaq, the Lakers would have been a mid-table team struggling to reach the playoffs – and Kobe would have been ringless.

The difference between Kobe and LeBron is not the number of rings, but the options they chose to take. Kobe chose the easy way out, the spineless way – betraying the team that gave him a chance, simply to become a role player on a championship team. LeBron chose the hard road, the honorable road taken by some of the greatest to ever play the game including Jordan and Larry Bird. They were drafted by struggling teams, who put their faith in these young stars to turn turn their franchise around – Jordan did it for the Bulls, Bird did it for the Celtics, and LeBron did it for the Cavs.

LeBron could have followed Kobe’s path – he could have stabbed the Cavaliers in the back, and demanded a trade to a title contender such as the Detroit Pistons, to be coached by one of the greats – Larry Brown. But instead, he showed he had a back-bone. He showed he is a man of integrity, a man you can trust and a man you can respect – he stuck with the Cavs and agreed to play under little known coach Paul Silas.

One can only imagine how many Championship rings LeBron would have, had he taken the ‘Kobe’ approach. Playing alongside Rip Hamilton, Chauncy Billups, Rasheed and Ben Wallace, coached by Larry Brown – The King would in all likelihood have won 5 straight in his first 5 years, easily surpassing anything Kobe was ever capable of.

LeBron’s stats speak for themselves – he annihilates Kobe in scoring, rebounding, assists, blocks and steals – shoots a much better field goal % and a higher 3-point % – he is runner up defensive player of the year and 2x MVP – the only argument any Kobe fan can muster up is the rings, but hey, we have just disproven that argument too!



Source by Elle Jamison


If you’re a property investor and you’re looking to get into Section 8 properties, there are plenty of gurus online who will happily tell you to RUN! Section 8 tenants are too unreliable, too desperate, too disrespectful, too, well, poor to be good tenants.

In the most respectful way possible, we’d like to tell those gurus to take a short walk over a long cliff. One of the Metro Detroit cities we do business in, the City of Detroit itself, is one of the most desperate urban areas of America, and we almost have to accept Section 8 there to find tenants. After dealing with Section 8 for almost 20 years, we can attest that it’s not nearly as bad as the gurus make it out to be.

The Bad News

Section 8 requires a lot of work—specifically, you have to deal with Section 8 applicants who never seem to understand the program, even after being on it for years. Also, housing counselors who are overworked and underpaid (and almost absurdly hard to get ahold of) must be constantly nudged to move their process forward. Then there’s annual property inspections and, oh yes, even more paperwork to get the rent payments coming in.

The Upside

If you can handle the paperwork and have a good followup reminder system, the extra time and effort can pay off, with government payments coming in like clockwork. If you screen the applicants correctly, you can also avoid some of the pitfalls associated with Section 8. Let’s go over some of those pitfalls we listed a bit more closely, so you have a better understanding of them.

rent to section 8

How Much Will Section 8 Cover?

The problems start when they call on your ad for a 3-bedroom you’re asking $1,000 a month for. You need to ask how much their voucher is for—and understand they really don’t know or care what it is! They’ll tell you with complete confidence that their voucher will cover the rent amount when it really doesn’t. YOU have to understand the Section 8 program so YOU can ask the right questions!

Related: 8 Myths About Section 8, Corrected: Here’s the Profitable Truth

For the record, the (most important) “right question” is, “What is the HUD-determined Fair Market Rent (FMR) for a unit with ‘X’ bedrooms in my area?” The answers are available here—if the applicant wants to pay more than the FMR, they’ll have to make up the difference, and either way, they’ll pay 30% of their monthly income as rent, with Section 8 paying the difference between that amount and the FMR.

But! There’s a hitch. Because FMR isn’t intended to cover “rent,” it’s intended to cover “total costs of housing (TCH),” which includes electricity, gas, water, sewer, garbage, and recycling costs. So if the FMR for a 2-bedroom is, say, $911 (which it is in the Metro Detroit area for 2017), and the tenant has $281 in utility bills and is paying $750 in actual rent, the TCH for them comes to $1,031. But because Section 8 only covers 70% of the TCH up to $911, the most it can contribute is $638, meaning that regardless of their income, the tenant must pay the remaining $393. Of course, because your tenant is virtually guaranteed not to understand that, it’s up to you to either explain it to them up front or risk having the tenant vanish on you when they fail to pay (because failure to pay means they’re booted off of Section 8).

Section 8 Applicants

Telling everyone that they need to be better at tenant screening is probably one of our favorite pastimes. But if you’re going Section 8, you have to take that warning as though your life depends on it. Master your tenant screening process, make no exceptions, and dot every single “i” and “j” and “ö” you come across.

Here’s the simple logic: If everyone is complaining that Section 8 tenants are low-quality, be picky! Choose only the tenants who meet the “strict version” of whatever your standing requirements are and delve deep into every one of them. If you avoid the “bad” tenants, you avoid most of what people’s Section 8 nightmare stories are all about—so screen like you’ve never screened before!

good-real-estate-note-deal

Related: How to Profit Big & Help Those in Need by Renting to Section 8 Tenants

Certification

You have to get certified by the HUD, and you have to re-certify every year. That means inspections, paperwork, and doggedness in the face of mindless bureaucracy. We’re not going to lie: It can suck. Filling out the forms and waiting for them to call you back is the easy part—the hard part is dealing with the Housing Quality Standards (HQS) inspections that happen every year. There’s a pleasant little booklet called “A Good Place to Live!” put out by the HUD that explains everything you need to do or have to pass the inspection, but it’s 20 pages long.

Here’s the short version:

  • All windows must be present and undamaged; ground floor windows must have working locks.
  • All exterior doors must have deadbolts and locks.
  • The floor, walls, and ceilings must not have any serious defects such as would indicate structural problems or present a danger to the tenants.
  • The ceiling and roof must not leak.
  • The paint on the interior walls must not be chipped or peeling.
  • A fixed water basin, flushing toilet, and shower are necessary in every unit.
  • No water leaks are permitted.
  • The kitchen and bathroom must have hot and cold running water and a hard-wired light.
  • The bathroom must have a window or fan that exhausts outside.
  • All electrical outlets must have cover plates (and function!).
  • Every unit must have independent heat.
  • Every floor of every unit must have a smoke detector.
  • All stairs and railings must be secure.
  • All common areas must be maintained and free of dangers to the tenants.

Most of this is pretty obvious, but the inspectors are very meticulous—a 1/4″ crack in a window you never knew existed (like one of those tiny ones at the top of a basement wall that happens to be hiding behind an armoire), and you’re kaput. Then you have to reschedule, pay for a new inspection, and get the problem fixed.

What’s more, these inspections happen whether the property has a tenant in it or not, and the inspectors don’t particularly care if a particular problem was caused by the tenant or not—you still have to deal with it, and fast. But seriously, guys—that list basically amounts to “you can only rent out units that are safe to live in.” If you can’t handle that, you shouldn’t be a landlord in the first place.

Benefits

So, is Section 8 worth it? If you’re discerning, patient, able to follow rules to the T, and willing to put in a little extra time elbow greasing the red tape until it gleams, absolutely! The benefits boil down to four items:

  • Section 8 isn’t easy to qualify for—so (to a degree), anyone offering you a voucher has been pre-screened (but that’s no excuse to skip your own screening—ever!).
  • There is never a shortage of Section 8 applicants, so vacancies are limited.
  • You can advertise on SocialServe.com and at your local Public Housing Authority to fill vacancies even faster.
  • And the big momma of them all: Rent comes in on time, every month, like clockwork. The government pays part of it (sometimes all of it), and the tenant is well aware that any violation of their lease–including a late payment—will result in a loss of their Section 8 status. Now, this obviously doesn’t keep emergencies from happening occasionally, but by and large, the reliability and timeliness of Section 8 rental income is the big draw.

We’re republishing this article to help out our newer readers.

Investors: Do YOU accept Section 8 applicants? Why or why not?

Let me know your experiences with a comment!





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Real estate investing is one of the wells of wealth creation in the world today. The last time I looked at the Forbes list of 400 richest Americans, I could still count over 31 tycoons listed as billionaires.

In the same vein, you have individuals in your city and state who have made their fortune and hold their wealth in property investments.

Why you need to invest

In his essay "Theory of Human Motivation " first published in 1943, Abraham Maslow, father of behavioral psychology observed, that people are motivated to fulfill three basic needs. The three basic human needs are food, shelter and clothing. And many people will try to fulfill these three needs, before any other need.

When you invest in real estate, you add value to your customers in one of the important area of ​​human needs-shelter. You are investing in an evergreen industry.This is why, I believe you should include property investing as part of your wealth-building portfolio.

However before you go out and buy your first property you need to have the right plan of action to succeed. The first thing you have to be aware of is that …

Goals are important.

Your need to know, what you want to accomplish:

  • Are you looking at wealth accumulation within a short time frame (3-7 years)?
  • Are you investing for the Long term (retirement)?
  • Do you want to be a full time investor and debit all your income from your real estate investment?

When you ask yourself these critical questions, you are able to focus and achieve your dreams.

You need to develop critical success practices.

It is important you develop or become aware of the practices, you need to win as a real estate investor. Five main practices are important for success:

  • Competency in your niche, this means you know about the basics, at the minimum and then become excellent in the niche you decide to invest.
  • Control over your emotions . This is important if you are going to stay in the investing arena for the long haul because there will always be difficulties in the real estate market. The difference between a novice and a professional is the ability to ride the eye of the tiger without getting into the belly of the tiger. Being a real estate investor takes guts and you need to have them if you want to become wealthy
  • Comprehension . This means know your market cold. You understand who your customers are, what they are looking for, why they want to deal with you. If you lack these key trait-insight into your market-you are doomed to fail.
  • Consistency . This means you have focus and discipline to, take action daily, weekly until you accomplish your goals.
  • Integrity . You stay true to your principles, because integrity is important in real estate. This means you are trustworthy, to your bankers, investors and tenants.

Strategy vs. tactics

The strategy (what to do) is more important than the tactics (how to do) of real estate investing. Let me explain.

If for instance, you wanted to gain wealth in a very short term then to buy and hold real estate, which is a long-term strategy-will not be the right strategy to achieve your goals. Flipping and wholesaling properties- buying undervalued properties and selling at a higher price to gain profit-may be the best strategy.

Knowing enough vs. Knowing it all

I think it's important to have an understanding of real estate investing, however you do not need to know all about real estate investing to start.

You need to one thing that I think is important for an investor … You need know enough about the basics-how to analyze properties, how to get financing, and how to assemble you real estate team together. That is it.

If you want to make a full time career as a real estate investor, then you would have to know more. You would have to specialize in a niche.

I am not going to spend many hours learning about short sales, wholesaling and foreclosing investing especially if I am not going to be a full time investor. It would be counterproductive for me, when I should spend my time doing what I am best at doing.

Let's recap, to succeed investing in real estate …

  • You need to understand why you are investing in real estate.
  • You need to develop critical hits for success as a real estate investor.
  • You need to choose the right tactics to match your investing objectives.
  • You need to know enough about what you want achieve

This is how I have applied myself to real estate investing. Moreover, it has helped me transform my losses to wins and I enjoy the cash flow from my properties, with the knowing I will become financially free.



Source by Ajibola Osho

When marketing to find Private Lenders you need to apply the same formulas and techniques to your marketing to attract attention and get potential lenders to want to know more about you and your program. Let’s go through headlines in terms of what they’re trying to do and how to apply a few simple formulas to create attention grabbing headlines.

AIDA

 

One of them is a classic formula called the AIDA formula, which is Attention, Interest, Desire, and Action.

 

Attention is a key word. Free is obviously going to get attention. 100% will get attention. Sex will get attention. Guaranteed will get attention. Cash will get attention. All these words are really designed to grab somebody’s attention.

 

After you have their attention you must keep their interest. They must be interested in your product or services before they will ever buy. You generally keep interest in the body of your advertisement by telling a story or laying out your private lending program

 

Next is Action. They must take a desire to action. You must move them from interest to desire. You must move them along that scale to where at the end they’re going to take action. That’s what you want them to do.

 

The action may be simply emailing you back. They may be saying, “Hey, I’m interested.” You need them to take some action but that action does not have to be buying and can be to join your mailing list or attend a seminar.

 

Problem – Agitate – Solve

 

This is where you would highlight a problem. That’s not very hard today with what’s going on in the financial markets. You’d say, “Are you tired of losing 30-50% in your stock portfolio?” You would agitate that.

 

You might make some further comments about it. “The financial crisis is continuing to devastate people’s portfolios.” Now you’ve agitated that problem a little bit. Then you solve the problem.

 

“If you’re interested in a higher returning investment in the 9-12% range, please attend our free seminar.”

 

Do you see what I did there? There’s a problem – losing 40% on your stock portfolio. You’ve agitated it – the world’s coming to an end, do you hear all the press releases, etc. Solve – “Come to our free seminar and learn how to get 9-12% on your investment.”

 

So problem, agitate, solve. That is a classic formula. It works extremely well. Any time you can incorporate that into your marketing pieces absolutely do that.

 

Before and After

Kind of similar is the before and after. You can talk about before the financial crisis maybe what you should have done and didn’t do it. Then you can talk about after the financial crisis and what they should do is attend your free seminar, coffee, or free report or whatever.

 

It would be, “Before what you were doing was fine. Now it’s after and what worked then doesn’t work today so you need to attend my seminar.” Again, you can see what’s happening here, we’re kind of going through this.

 

Testimonials

You can work on testimonials. You can have other private lenders who have been successful with you. Providing testimonials you can even to a certain extent make that one of your headlines if that person said something particularly compelling. If it looks like it would be a nice headlines and you can put in quotes – “As said by so-and-so, a private investor of mine,” testimonials work.



Source by Mike Lautensack

For 30 years, JKCP Programs has been dedicated to providing stimulating and enriching experiences for children and teens through diverse, innovative programs in tennis, golf, academic enrichment, business, fitness, internships, cooking, the arts and much more. Students from over 35 states and 30 countries attend our programs at the University of Pennsylvania, Bryn Mawr, Haverford, and Cabrini Colleges and the Shipley School.

Kids and adults love Julian Krinsky. And, yeah, he’s a lovable guy–especially when he’s behind the wheel of the company, er, school bus. No doubt about it, Krinsky has found the secret to entrepreneurial success: Find something you enjoy and do it with passion. And that something keeps multiplying.

Since coming to Philadelphia in 1977, the mastermind of Julian Krinsky Camps & Programs has amassed a business empire that encompasses property management services; resort ownership and operations; and staff recruitment for sports academies, clubs and events. Not bad for a South African immigrant who opened up shop with little more than $1,200.

A tennis star in this late teens who was ranked as high as No. 7 in his home country, Krinsky played in Wimbledon and the French and Italian opens. A scholar as well as an athlete, he earned degrees in both accounting and law. When he first arrived in the United States, teaching tennis full-time was not something he even considered–let alone entertained the prospect of doing so here. He’d merely stopped in the area on his way to North Carolina to make good on an invitation to play at Merion Cricket Club. But he fell in love with the natural beauty of the Main Line and never made it to the new job in Carolina.

Money was tight in those days, and teaching tennis was a good way to make a few bucks. Krinsky quickly compiled a roster of students from all over the region, some traveling two hours for lessons. Within three months, he’d forgotten all about becoming an accountant.

Krinsky’s commitment to practice matched his pupil’s determination to improve, but distance was becoming a problem. His solution: a weekend camp at his home in Wayne so students could spend less time in the car and more time fine-tuning their strokes. He set up bunk beds, pitched a few tents and hired a couple of local chefs to cook meals. During the day, it was tennis, tennis, tennis; evenings involved field trips to places like Woody’s driving range, Hershey Park and Great Adventure.

“They were great days,” recalls Krinsky. “There were kids everywhere. I couldn’t get a shower because they would use up all the hot water.”

At times, there were as many as 20 students staying at Krinsky’s home. He realized he was onto something–and that he needed to take that something to the next level. So he leased space at Haverford College, hired an assistant, and he Julian Krinsky School of Tennis was born in 1978.

By today’s standards, such an unorthodox approach might have raised a few eyebrows. Krinsky was young, attractive and a bit capricious, but his integrity and enthusiasm were never in question.

“We knew the parents and we knew the kids,” says Plymouth Meeting’s Jim Talbot, whose children attended JKST for five years. “We had no reservations. Julian was developing solid tournament players, and the kids were having fun.”

Back then, JKST was cutting-edge. By the time Nick Bollettieri began building his world-famous tennis-camp empire, Krinsky was already organizing training trips to Bollettieri’s Florida stomping grounds. “The parents went, too,” says Talbot.

Soon enough, Krinsky introduced golf and squash instruction into the mix. From there, he moved into cooking, art, music, drama, SAT prep and more. JKST went from summer camp to a summer academy with a new name, Julian Krinsky Camps & Programs, and new locations at the Shipley School, University of Pennsylvania, and Cabrini and Bryn Mawr colleges. New there are a dozen different programs available through JKCP, with enough variety to keep kids active and interested for throughout childhood.

Ultimately, Krinsky’s keen awareness, flexibility and adaptability have served him well. Today JKCP is one of the most recognized and respected organizations in its field, attracting kids from all over the world. With such global reach, it’s really no surprise that one of the newest programs being developed is “Model U.N.” Aimed at high school students, it will provide a forum for instruction in political science, international relations, public speaking and debate. “Ten percent of our campers are from the Far East, the Middle East, South Africa and almost every city in Europe,” says Krinsky’s business partner, Adrian Castelli. “Most of it is word of mouth.”

Older campers have an innovative array of programs from which to choose, including a summer internship, a Wharton business program at Penn and another program specifically for observant Jews. A current favorite is the Canyon Ranch wellness program, designed to educate teens about nutrition, fitness, relaxation and getting the most out of sports.

A holistic approach is what sets JKCP apart–that, and Krinsky’s commitment to connecting with the campers and their families. “My greatest challenge is getting to know every one of them,” he says. “I have to make sure my team is taking care of the details so I can be freed up to be with the kids.”

And that’s not small feat, seeing as JKCP’s residential program hosts 3,500-4,000 campers a year (overnight campers make up 80 percent of the business; day camps the remaining 20 percent). That requires 35 year-round employees and more than 400 seasonal staffers.

“I have a year-round relationships with many of the kids who come to me,” says Krinsky. “I see most of them from the time they’re 3 until they’re 17. Some [of them] are now bringing their children to me.”



Source by Grant Griffiths

It’s scary out there. It’s a whole new world. One filled with very real fears that cover the widest of spectrums. From terrorist threats to witnessing your children getting unnecessarily bullied, medical malpractice, and an infinite number of reasons to legitimately worry. A dangerous world, becomes less stressful when you realize that there are experts in your neighborhood, watching out for you and at the ready, when things don’t go as planned. Lawyers in Philadelphia want you to be secure, when and if anything should ever go bad.

Despite your efforts for prevention, occasionally even your best efforts fail. As they say, “accidents happen.” True. It is an undeniable fact.

If staying safe is a priority to you, follow these important guidelines to avoid unnecessary personal injury and harm. Take the right actions now, to avoid trouble later.

When operating or driving a motorcycle, all terrain vehicle, scooter, bike, skateboard or even roller blades, be sure to wear recommended safety gear such as a helmet and possibly gear for your hands, elbows and knees. Although often not used, because of initial discomfort, just wearing a helmet, can reduce head injuries as much as eighty-five percent. A statistic that definitely should make one think twice before deciding not to wear helmet.

Be sure to have sun block on hand, when you know you are going to be outdoors for an extended period of time. Even on days where the sun is not necessarily bright and visible, a sky that’s over cast can still tan or burn your skin. Reflection of the sun can be equally dangerous. Winter enthusiasts who ski, snowboard, or are actively out during the day, are also at risk. The long-term effects of not properly caring for or protecting your skin, your body’s biggest organ, can be deadly.

If you live near a pool, lake, river, drainage pipe or bathtub and have kids, be sure to sit down with your children about being mindful of their personal safety when near waterways and areas of similar ilk. As the parent, you should inspect areas in question and check for potential dangers: easy entry, getting stuck, slipping, and drowning all have taken children’s lives. When inspecting areas be sure to think as your child would. Consider their height, weight, physical ability and degree of curiosity when determining “what if” possibilities. Also, if what you are inspecting is empty, imagine how things might be different if filled with water, or more water than you are seeing.

Many preventable deaths of toddlers have been caused by a child playing next to a 5 gallon bucket, peeking over the rim and falling in head first, unable to free themselves or gain any room to move. Parents or a responsible adult should always be with children wherever water is found, just in case.

An additional area that is often overlooked and is responsible for preventable injury or death is where children play. Nearly sixty percent of accidents related to playground equipment at school or and at home are related to falling. Falling is inevitable with children. Besides simply monitoring their respective behavior it would be wise to provide a softer surface on which to land. Instead of the cement or asphalt typical in such areas.

Mulch is a better alternative. Applied at about six to nine inches deep is usually adequate. Shredded, rather than pine nuggets and bulkier options. Recently, a new product has come to market, that is longer lasting than mulch, softer on impact, and safe for the environment. Small chunks of recycled plastics in a variety of colors may suit your needs more appropriately.



Source by David Foreman

To begin with, let us tell you that this article is going to smash any preconceptions out there regarding opening a halfway house in the USA. You do not need a license, permit, or any other document to open a halfway house. If any person, government official, government agency, zoning commission, etc. tells you otherwise, they are engaging in illegal and unfair practices. Know your rights (see bellow links to know your rights).

NATIONAL LAWS (ADA) ALWAYS SUPERSEDE LOCAL LAWS.

Just for a hypothetical situation; let’s say that 3 people who have depression decide to become roommates in a home. Should they be shut down and kicked out of the neighborhood because of their disability? Does that mean they have to get a license or permit to stay? Of course not. They are protected under the ADA (Americans with Disabilities Act), as well as other determinations (see links below) against such discrimination. Havingchemically dependent persons in a home is no different!!! Alcoholics and addicts have the same laws to protect them.

It is a well known fact that City Councils have tried to stop halfway houses in their neighborhoods by stating that a halfway house with alcoholics and/or addicts, in other words disabled persons, (and alcoholics and addicts qualify as disabled under the ADA), must not have roommates (as in 2 people in a room at a house), which prevents most halfway houses from opening.

If you have a house, and you want to open a halfway house, and your mortgage payment is $700.00 per month (see additional expenses at the bottom of this paragraph), there are many things to consider before accepting residents into your house. Let’s say, hypothetically, you follow licensing and zoning guidelines. With the average charge to a resident with a substance abuse problem, being around $125.00 per week, you can see that if you went with what the license division / politicians tell you, (which are illegal tactics), you would be out of business shortly. Keep in mind that in addition to your mortgage payment are things such as: utilities, phone service, water, food, furniture, cooking utensils, beds, sheets- basically everything you would need to survive, etc.

On the other hand, if you did not license your house, you could put in 2 or 3 people in a room and keep your halfway house open. In other words, helping others to get a hand up at living sober. Please read more details below…

NATIONAL LAWS (ADA) ALWAYS SUPERSEDE LOCAL LAWS.

How to open a Recovery Home, Halfway House, Sober Living Home OR starting a Half Way House/Recovery Facility*- Resources to assist you. This article includes information on the standards and requirements of opening and operating a Halfway House/Recovery Home- NOTE: Not every county in the United States approaches standards and licensure in the same way- it is best to contact your local licensure department and/or zoning division.

The first thing you should know about opening a halfway house is that you do not need a degree or special certification to open one, and that most operate without a license/permit. Also, under the ADA (Americans with Disabilities Act) and The Fair Act Amendment, as well as other determinations, makes it illegal to discriminate against halfway houses and the people who own, operate, and live in them. Please see our links below for more information concerning these issues. There are a number of other important issues to cover concerning opening a halfway house that are vital to know.

You must first decide where you will operate. Once you have determined a location you have a choice in whether to license* the facility or not. There are also other permits, inspections, zoning variances, etc. to explore prior to opening up a halfway house. Please keep in mind that it is your choice whether to obtain a license, permit, and other certifications for the operation of a halfway house. If you choose to open a halfway house without a license, there are certain parameters you must operate under to make sure you are not shut down by the county/city you operate within. It is always best to check into what is required, allowed, and not allowed by contacting your local licensure agency and zoning department.

Most halfway houses that are not licensed are mandated to NOT provide on-site counseling or other wrap-around services- to avoid additional

paperwork and hassles, you could provide these services at a local church or other building. Most halfway houses that are licensed may need to

obtain a zoning variance, simply because (in the eyes of politicians) you are basically operating a business in a residential area. You may find that

because you are licensing it, the county (Zoning Commission) will limit the number of people you can have in any one room and at any one residence.

A halfway house that is going through the licensing process (and this may take months, even years to work out) will be required to have certain

structural adaptations made (water/fire sprinkler lines installed- which is very expensive) wheel chair accessible, parking and traffic issues to deal with, etc.

There are some overhead details to work out before you start taking in residents. You should know how many residents you will have in each room, what you are going to charge each resident, and what services are included in this cost or rent. You may also have to contend with residents coming in with no money, or that some residents will be late and/or short of the entire rent monies owed. It’s up to you how you handle these situations. If you have a house ready to use as a Halfway House (providing you have decided whether to license it or not) and your mortgage payment, for a 4 bedroom home, is $700.00 per month (estimate), you will also need to factor in start-up and continued costs like food costs per week, water and utility costs, household needs, (paper towels, toilet paper, dish soap, cleaning chemicals, phones, etc.), as well as monthly and yearly costs, (beds and sheets, TV, computer(s), Internet connection, towels and face clothes, shampoo, dishes and utensils, pest control services, vucuum(s), maintenance, etc.)- basically everything you would need if you were starting from scratch in a new home (considering you have nothing on hand) only this time it is for X number of people. Also include additional items, if licensed, like license and permit charges, health inspection fees, reports, paperwork and filing, accounting, etc. With the above example you can clearly see that many licensure and zoning variances would limit you to having only 4 people at your house, so meeting your overhead is not possible- you would be operating in the red every month.

Fair Housing Act

A case in point (actual court case) in which, for a period of more than 1 year, a city violated the provisions stated within the Fair Housing Amendments

Act (Title VIII of the Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988, 42 U.S.C. §§3601-3619) and denied the operating of a Halfway House within a residential area.

In an effort to assist individuals, agencies, religious affiliations, etc. open recovery places and tackle the unfair and illegal tactics politicians and others are using to stop them, NICD has put together some basic, and very needed, resources to aid in the journey. Counties are using zoning

codes/variances to try and control halfway houses/sober living homes and the total census allowed within these centers. Some of the bias is a

NIMBY, (Not In My Back Yard) situation, while others include property value concerns. In any case, the reasons for discrimination and unfair tactics are not based on fact or material circumstances. These counties and individuals are in violation of the law as it relates to the ADA, (Americans With Disabilities Act), Section 36.209 section 510 which describes alcoholics/drug addicts as people with disabilities. The Federal Fair Housing Act, (see link below), 42 USC section 3604(f)(2) makes it unlawful “to discriminate against any person in the terms, conditions, or privileges of sale or rental of a dwelling, or in the provision of services or facilities in connection with such dwelling because of a handicap.” The 42 USC section 3604(f)(3)(B) provides that unlawful discrimination includes failure to make “reasonable accommodations in rules, policies, practices.

providing some resources that you can use in starting up a program.

There are numerous obstacles to overcome in trying to open up a halfway house for alcoholics and/or drug addicts. NICD will attempt to help you by

Note: Please feel free to copy/print this page, as we have waived the copyright for this page only.

Some additional concerns you may encounter:

The next section has some rules that should be a part of any quality run halfway house. In addition to these is a section for navigating your way

through getting your residents into benefits and entitlements.

Specific: Halfway Houses Rules- A good halfway house should have rules. We have constructed some that we feel are essential.

RULES & REGULATIONS

IMMEDIATE DISCHARGE

*Being under the influence of alcohol and/or drugs

*Possession of alcohol/drugs

*Possession of weapons

*Threats either verbal or physical, or acts of violence, fighting

*Property destruction or altering the physical construction of the premises, including interior walls

*Failure to submit a U/A (which are always at your cost)

*Unaccountable or discrepancies in times off of premises

*Lies, either found on your intake paperwork or otherwise, stealing, unusual behavior, and any criminal activity

*Failure to comply with rules and/or staff directions

1. You are required to attend at least 3 12-Step meetings per week, have a program book, (Big Book, NA Text, etc.), and have your meeting slip

signed by a member of the group, and not another resident, and attend on-premises “House Meetings” which are held 2 times per week, 1-2 hours per meeting.

2. House meeting attendance is mandatory, (which means you must arrange for employment that does not interfere with these meetings), there are

no exceptions to this rule.

3. For the first 30 days you are to remain on premises, (during this time you are expected to be working on your steps), and must arrange 12-Step meeting attendance with another resident who is not on restriction, and this must be pre-approved by the house manager.

4. You are required to sign-out when leaving the premises, and sign-in upon return- all leaves must be pre-approved by the house manager in

advance, and any inconsistencies in leave times are grounds for discharge.

5. Rent must be paid every Friday directly to the house manager, and kept up to date without exception.

6. You must see the house manager at least 1 time per week to discuss your recovery program- it does not count as a visit to discuss program while paying rent, unless the house manager chooses to do so.

7. You must obtain a Home Group and a Sponsor (You must provide a contact name and phone number), within the first week of residency, and this will be verified.

8. You must have Steps 1,2, and 3 in writing, and present these in the House Meeting by the 3rd week, along with a copy to the house manager.

9. You are required to be employed full time, and you are not permitted to quit a job without first discussing it with the house manager, (employment status will be checked on periodically).

10. There are certain types of employment that are not allowed, and you must speak with the house manager

11. No cab driving, working in bars, clubs, or places that sell alcohol.

12. Your room must be kept neat, with your bed made at all times, rugs vacuumed, toilet cleaned, kitchen area clean, which means absolutely no

glasses, dishes, forks, knives, spoons, etc. left in the sink at any time, and any trash disposed of in a timely manner.

13. You will be assigned daily and weekend chores (these are mandatory as part of your stay).

14. All vehicles will have current tags and insurance, and this must be verifiable. Also, there will be no storage of vehicles, and no working on vehicles on the premises.

15. Bikes and other modes of transportation must be stored in the appropriate locations, and security for these are at your own cost.

16. Any situation that requires police involvement must be discussed with the house manager before the police are called, (any police involvement

without house manager approval will be grounds for discharge).

17. There are absolutely no visitors allowed on premises without prior approval from the house manager.

18. There will be no congregating outside, no loud music or discussions, no walkmans, caps, sunglasses, bandanas, or inappropriate dress allowed, and you are required to attend to daily hygiene needs.

19. No one is allowed in another residents room- period.

20. There are no sharing of clothes, personal property, loaning money, borrowing vehicles, including bikes by either staff or residents.

21. You may be requested to submit to a U/A at any time, which may include either with cause or without.

22. Any resident who is aware of a rules infraction and does not notify the house manager immediately will be subject to discharge, which includes

finding out later that you knew about it.

23. All rooms are subject to inspections at any given time, and any room that does not pass inspection may cause all residents in that room to be

discharged.

24. Smoking is not allowed in rooms.

25. There will be no illegal hook-ups of cable, or use of cable boxes. Cable hook-ups will be done legally, at your cost, and your risk. If bills are not current you will be required to cut-off services until the bill is paid for.

26. Phone hook-ups are your responsibility, as are the bills that go along with it.

27. Any cooking done by residents requires immediate clean-up.

28. Any delegation, directive, or request that is made by staff will then become a rule.

29. Any medical conditions and/or injuries must be brought to the attention of the house manager.

30. Calls to 911 for medical conditions, injuries, etc. must be approved by the house manager before calling.

31. If there is an emergency, call 911, and then notify the house manager immediately.

32. Any and all medications, including pain pills, psych. meds, aspirin, Advil, cold, flu, sinus, etc. will be kept, and locked up by the house manager and dispensed according to the instructions on the bottle- any Rx. or

33. House shut downs will occur if chores are not done, the grounds and buildings are not cared for, rooms are not kept clean, or general attitudes are not in line with house etiquette, and is done so at the discretion of the house manager.

34. All rules and regulations are subject to additions and changes at the house managers discretion.

This is not a complete list of all the possible rules and/or violations that may happen, so to insure a healthy, happy, drug and alcohol free recovery

environment please do your part to use common sense when it comes to either doing or not doing something that may affect yours and others

continued stay.

Finally, staff will not take the role of cop, lawyer, or investigator. This means discharges will occur without investigation of who did what, what was said, who is, or who is not at fault.

The NIMBY Syndrome, (Not In My Back Yard), is one area that an owner of a recovery home / halfway house will have to contend with. It is usually best to address this issue up front before you open, or before construction is started. Your local Zoning Commission office should be able to provide information on the area you plan on opening the halfway house in. The census bureau can provide information on the neighborhoods make up, (economic base, average salaries made, gender average, average cost of homes in the area, and other good information to educate yourself with).

Check to see if there is a homeowners association, as that could be your best bet in getting to know your neighbors, and them getting to know you.

You should plan on going to one of their meetings before you open, but definitely after you have been armed with the information that you know will come up for discussion. Some concerns will be on whether or not you will accept violent offenders, psychiatrically unstable residents, how your home will affect property values. You can convince people that you plan on running a safe, drug free, and strict program by bringing a copy of your intake protocol and halfway house rules. Let them know how you plan on handling the situation when one of your residents comes up positive on a drug

screen. You should develop, in writing, protocols for dealing with this and other situations- there should be a plan of action that all staff and residents are to follow in any given situation. There will be some fear there, as no one wants a drug addict discharged/kicked out in their neighborhood at 1:00 A.M. on a weekend or any other time.

You need to arm yourself with the facts and also how you will handle all sorts of possible situations. If you take the lead and let your neighbors know, before they ask, what they can expect from you, you will go far in gaining their trust. Just be sure you follow through as you promised. It will pave the way to open another site, if you want to, if you have a great relationship with those that live around your halfway house.

In six major studies of communities where halfway houses were opened, no significant change in average housing prices could be found (MacNeil & Kappel, 1986, Part III.A.).



Source by Stephen Murray

This story would be a tragic one if it didn’t involve two men who were undoubtedly creeps. Illustrious creeps, but creeps nevertheless. One was a world-famous architect, and the other a rich scion, from an even richer family. There are no nice guys here, and the girl in the middle, although considered the most beautiful woman of her time, and one of artist Charles Dana Gibson’s famous “Gibson Girls,” was no lily-white lassie herself.

So why do we care? Simply because it was the most deliciously decadent murder story of the early 20th Century.

On June 25, 1906, it was high society’s night out. It was the opening of the new musical Mamzelle Champagne, on the outdoor roof garden of Madison Square Garden, which at the time was bounded by Fifth and Madison Avenues, and 26th and 27th Streets. The structure, which included an amphitheater on the ground floor, was designed by world-famed architect Stanford White. In fact, White had a front row table, in which he sat by himself, to enjoy the show, which was not going over too well with the crowd, since people were milling about from table to table, kibitzing, instead of paying attention to the show.

Suddenly, the audience heard three loud shots. At first, they thought it was a part of the show. But when they saw White topple to the floor, his head encased in a pool of blood, they knew the theatrical scene was for real.

Harry Kendall Thaw, a spoiled, rich punk, had casually walked over to White, pulled out a pistol from beneath his long black coat, and plugged White three times: twice in the shoulder and once through his brain. After he fired his final shot, Thaw screamed at White, “You deserved this! You ruined my wife!”

Seeming to be not in any particular hurry, Thaw casually pointed the gun up over his head and strode to the elevator. Thaw took the elevator down and met his wife, the beautiful actress Evelyn Nesbit, in the lobby by the elevator. Mamzelle Champagne being the awful spectacle that it was, Thaw and Nesbit had left with another couple moments before the shooting. Nesbit did not realize her husband did not ride down the elevator with her. Nesbit heard the shots, and a few seconds later, when her husband strode out of the elevator holding a smoking gun, she screamed at him, “Good God Harry, what have you done?”

Back on the rooftop garden, the stage manager was trying to sort out exactly what had transpired. He jumped on a table and shouted to the orchestra, “Keep on playing! And bring out the chorus!”

The musicians, actors and actresses, dumbfounded over a real live murder being perpetrated right in front of their eyes, sat, or stood dumbfounded. A doctor, who was in attendance, rushed to White’s body. White’s face was disfigured from the powder burns. Still, the doctor announced with certainty that White was indeed dead.

Down in the lobby, a firemen in attendance wrestled the gun away from Thaw, who did not offer any resistance. Moments later, a policeman arrived and immediately arrested Thaw. The policeman brought Thaw to the nearest police station, which was located in the Tenderloin District, an area known for its gambling, prostitution, and various other crimes, both violent and nonviolent. When Thaw arrived at the police station, he identified himself as John Smith, a student at 18 Lafayette Square in Philadelphia.

The desk sergeant asked Thaw, “Why did you do this?”

Thaw seemed disinterested. “I can’t say why,” he said.

By this time, several news reporters, who were familiar with Thaw, had followed him to the police station, and identified him to the police by his real name. Thaw immediately clammed up and refused to say another word, unless he was represented by an attorney.

The following day, the killing of Sanford White was on the front page of every newspaper in New York City. The New York Times, usually staid and proper, ran this blaring headline.

THAW MURDERS SANFORD WHITE!

Shoots him on the Madison Square Garden rooftop

ABOUT EVELYN NESBIT

“You ruined my wife,” he cries and fires.

AUDIENCE IN PANIC

Chairs and tables overturned in a wild scramble For the Exits

Stanford White, who was born in 1853, was the most famous architect of this time. White was a partner in the architectural firm of McKim, Mead, and White, for which he designed houses and mansions for the rich and famous. White also designed the upscale gated community Seagate in Brooklyn. Besides designing Madison Square Garden, White designed the Madison Square Presbyterian Church, the New York Herald Building, the First Bowery Savings Bank (at the Bowery and Grand Street), and the Washington Square Arch. The final two White achievements are still standing to this day.

However, White, despite his exalted status, was a quirky man, who had several fetishes, some bordering on illegality. Even though he was married, White was a man-about-town, who courted several young ladies, some of them young enough to be his daughter. It was his encounter with a 16-year-old Evelyn Nesbit that was the cause of his demise.

Evelyn Nesbit was born Florence Evelyn Nesbit on Christmas Day 1884, in Pittsburgh Pennsylvania. Her father was a struggling lawyer, who died in 1893, leaving his wife and daughter in considerable debt. Even at a young age, Nesbit was a stunning beauty. She began modeling in Pittsburgh, but she and her mother decided it was best she moved to New York City, to enhance her career. Almost immediately Nesbit was a hot New York City model. She modeled for such famous photographers as Frederick S. Church, Herbert Morgan, Gertrude Kasebier, Carl Blenner, and Rudolf Eickemeyer.

Nesbit’s beauty was such, newspaperman Irvin S. Cobb describe Nesbit as having, “The slim, quick grace of a fawn, a head that sat on her flawless throat like a lily on its stem, eyes that were the color of blue-brown pansies and the size of half dollars, a mouth made of rumbled rose petals.”

In 1901, Nesbit met White for the first time. Nesbit and a girlfriend, who was accompanied by another man, were invited to have lunch at White’s apartment on W. 24th Street. Shortly after they finished their meal, her girlfriend’s male companion left. White then invited the two girls to an upstairs room, where he kept a red velvet swing. Like a father doting on his two young children, White gave both the girls a turn on his swing, gleefully pushing them back and forth, until their legs almost touched the ceiling.

“He had a big Japanese umbrella on the ceiling,” Nesbit said. “So when he swung us very high up in the air, our feet past through the umbrella.”

White became very smitten with Nesbit. Using her mother as a chaperon, White dated Nesbit quite often. At the time, White was the perfect gentleman, and he tried to make sure Nesbit had every advantage, as she pursued her career in modeling, and in acting.

However, everything changed when Nesbit’s mother decided to visit friends in Pittsburgh. White was so magnanimous, he even paid for Nesbit’s mother’s trip. By this time, Nesbit had gotten a bit part in a play called Floridora. On the second night that her mother was gone, White sent Nesbit a note at the theater, inviting her to a party at his apartment on 24th Street. When Nesbit arrived at White’s apartment, she was surprised no one else was there.

“The others have turned us down,” White told Nesbit.

“Then he poured me a glass of champagne,” Nesbit said at Thaw’s trial. “I don’t know whether it was a minute after, or two minutes after, but a pounding began in my ears. Then the whole room seemed to go around.”

Nesbit lost consciousness, and when she awoke, she was lying in bed, naked. The room, in which the bed was located, was completely mirrored, even on the ceilings.

“I started to scream,” Nesbit said. “Mr. White tried to quiet me. I don’t remember how I got my clothes on, or how I went home, but he took me home. Then he went away and left me. I sat up all night.”

The following day, White visited Nesbit at her apartment. He found her there in an almost hypnotic state, just staring out the window.

“Why don’t you look at me, child,” White said.

“Because I can’t,” she said.

White told Nesbit not to worry. “Everyone does those things,” he told her. White also told Nesbit her fellow starlets in Floradoa all were involved in sexual escapades with assorted men. White told Nesbit the most important thing was not to be found out. He made Nesbit promise not to say anything to her mother about what had transpired in his apartment the night before.

Harry Thaw was born in Pittsburgh, in February of 1871, the son of coal and railroad baron William Thaw. As a child, Thaw shuttled in and out of several schools. He was an insolent child, considered by this teaches not to be very bright, and a troublemaker. Yet, because he was the son of William Thaw, Harry Thaw was admitted into the University of Pittsburgh, supposedly to study law. However, Thaw was not much of a college student, so his father used his influence to get him transferred to Harvard University. At Harvard, Thaw did little more than drink, carouse with the ladies, and play night-long poker games.

Thaw left Harvard without a degree, and he became an expert in getting into trouble. It was about this time that Thaw began his systematic drug use. Thaw consumed large amounts of cocaine and heroin, and it was rumored that Thaw was heavy into “speedballing,” which was the process of injecting a combination of cocaine and heroin into a vein. High as a kite, Thaw once rode a horse into a New York City nightclub, from which he had been banned. Adding to his reputation of being an out-of-control lunatic, Thaw also drove a car through a display window of a department store, lost $40,000 in a single poker game, drank a full bottle of the narcotic laudanum, and hosted a decadent party in Paris, where the majority of his guests were the top whores in town. The tab for this party was said to be over $50,000.

When Thaw’s father passed away, Thaw was dismayed to discover, that even though he was left $5 million of his father’s $40 million estate, it was stipulated in the senior Thaw’s will that his son would only get an allowance of two hundred dollars a month. This small allowance would continue until Thaw showed he was responsible enough to handle such a large sum of inheritance money.

In 1905, Thaw became smitten with Nesbit. Thaw courted Nesbit with much enthusiasm, and when White found out about Thaw and Nesbit, he warned Nesbit to stay away from Thaw; telling her that Thaw was an erratic and dangerous man. White knew that Thaw maintained a New York City apartment in a brothel. White also knew that Thaw would entice young girls into his apartment, then he would whip them in a bizarre sex routine, that left the girls in conditions that would sometimes require hospitalization.

However, Thaw could not be discouraged from pursuing Nesbit. He repeatedly begged Nesbit to marry him, and she consistently refused. While they were on a cruise together, Thaw became outraged when Nesbit again refused to marry him. In an act of a madman, Thaw whipped Nesbit like he did the other young girls in his New York City apartment. During this whipping, Nesbit confessed to Thaw about the manner in which he had lost her virginity to White. Thaw said he still loved her and wanted to marry her anyway. Despite the fact that Thaw had whipped her, and was certainly not of sound mind, Nesbit married Thaw on April 4, 1905.

After they were married, Thaw maintained an extreme hatred for Sanford White. So contemptuous of White because of what White had done to Nesbit, Thaw forbade his wife to even mention the name “Sanford White.” Thaw insisted that Nesbit refer to White as, “The Bastard” or “The Beast.” Yet, Nesbit, more often than not, simply referred to White as “B.”

While Thaw was in prison awaiting trial for the murder of White, Thaw’s mother, known in the newspapers as “Mother Thaw,” was in England visiting her daughter, the Countess of Yarmouth. Upon hearing of her son’s predicament, Mother Thaw announced that she was going back to the United States to help her son. “I am prepared to pay one million dollars to save my son’s life,” Mother Thaw told the press.

Part of Mother Thaw’s strategy was to use her considerable wealth to orchestrate a campaign in the press to discredit Sanford White. Suddenly, several newspapers began writing exposés on White, portraying him as a tyrannical abuser of young girls. Mother Thaw went so far as to hire a press agent to generate newspaper publicity detrimental to White, and favorable to her son.

One particular story, Mother Thaw paid the press to print, was extremely damaging to White’s credibility, decency, and honor (if he had any to start with). It seemed White had become infatuated with a 15-year-old girl named Susie Johnson. White had met Johnson at a wild party, at which Johnson had sprung from a large cake, almost totally naked. That night, White fed Johnson enough champagne to render her quite drunk. When Johnson became so inebriated she was barely conscious, White took Johnson back to his apartment, and he did to her, what he had done to Evelyn Nesbit. Soon after, White banished Johnson from his apartment, and threw her out into the street, totally broke. As White pushed Johnson out his front door, he told Johnson, “Girls, if you are poor, stay in the safe factory, or in the kitchen.”

Johnson lasted eight years hustling on the streets, before she died at the age of 23, and was buried in a pauper’s grave.

In order to influence the New York City potential jury pool, Mother Thaw hired a playwright to write a play almost identical to the circumstances surrounding Harry Thaw, Sanford White, and Evelyn Nesbit. The play featured three characters named Harold Daw, Emeline Daw, and Stanford Black. In the final scene of the play, Harold Daw proclaimed from his cell in the Tombs Prison, “No jury on earth will send me to the chair, no matter what I have done, or what I have been, for killing the man who defamed my wife. That is the unwritten law made by men themselves, and upon its virtue I will stake my life.”

Mother Thaw’s money even made it into the hands of Rev. Charles A. Eaton, who had John D Rockefeller as one of his parishioners. Rev. Eaton made an impassioned speech to his congregation defending Thaw’s actions. Rev. Eaton said, “It would be a good thing if there was a little more shooting in cases like this.”

While Thaw was in prison, his mother spread enough money around so that Thaw could enjoy extravagances no other prisoners in the Tombs were allowed. Instead of eating the standard prison grub, Thaw had all his meals delivered from Delmonico’s, a downtown restaurant, which was considered the finest eatery of its time. While other prisoners dressed in standard prison garb, Thaw was allowed to wear the finest clothes, including silk shirts and silk ties.

Thaw’s first trial for the murder of Sanford White commenced on January 21, 1907. Mother Thaw hired the illustrious California trial lawyer Delpin Delmas to represent her son. District Attorney William Travers Jerome, the uncle of Winston Churchill, prosecuted the case for the state.

Jerome told the jury in his opening statement, “With all his millions, Thaw is a fiend. In the conduct of this trial, I shall prove that no matter how rich a man is, he can’t get away with murder in New York County!”

The sensationalism of the trial was so extreme, tickets to the trial were scalped at $100. More than 80 world-famous artists and writers flocked to the courtroom to see if maybe they could benefit by either writing a book, or making a movie about the sordid affair.

The defense’s shining hour was when Evelyn Nesbit took the stand in defense of her husband. Rumors had it that Mother Thaw enticed Nesbit to testify by promising Nesbit that her son would agree to a divorce. Mother Thaw also promised Nesbit one million dollar after the trial, but Nesbit never received one penny of that money.

On the stand, Nesbit told of the bizarre sexual behavior of Sanford White. Nesbit said that White made her wear little girl’s dresses when she came to his apartment. Nesbit also told the jury the manner in which she lost her virginity to White, and that White had plied her with champagne, in order to render her unconscious, so that he could have his way with her.

The prosecution countered Nesbit’s words by eliciting testimony from a leading toxicologist, Dr. Rudolph Witthaus. Dr. Witthaus said that Nesbit’s story about how White had gotten her drunk in order to take advantage of her, did not hold water, because no drug known to science would have worked as rapidly as Nesbitt said that champagne did to render her unconscious.

Although a group of psychiatrists declared Thaw to be totally sane, during the trial Thaw acted erratically, by constantly crying like a baby, and flying into rages, in which his eyes bugged out, and his face turned nearly purple.

In his final summation, Delmas told the jury that his client, when he shot Sanford White, had been consumed by “Dementia Americana, a form of insanity which makes every home sacred, makes a man believed that his wife is sacred. Whoever strains the virtual life has forfeited the protection of human laws, and must look to the internal justice and mercy of God.”

Attorney Delmas had done such a remarkable job, the jury was not able to come to a unanimous verdict. It was revealed later that seven jurors had wanted to convict Thaw on a first-degree murder charge, while five jurors decided on a verdict of not guilty by reason of insanity. However, at Thaw’s second trial, in January of 1908, the jury unanimously voted Thaw not guilty by reason of insanity.

Still, the verdict of not guilty did not set Thaw free from prison. Thaw was declared criminally insane and imprisoned for life at Matteawan, New York. In August 17, 1913, Thaw escaped, and with a limousine waiting for him outside the asylum, Thaw fled to Canada, where he took refuge.

While Thaw was on the run, Nesbit, obviously angry at the fact she had been not paid the one million dollars she was promised by Mother Thaw, made an announcement to the press.

She said, “Harry Thaw has turned out to be a degenerate scoundrel. He hid behind my skirts through two trials and I won’t stand for it again. I won’t let lawyers throw any more mud at me.”

Soon afterwards, Nesbit signed a contract to appear in a vaudeville show, at a salary of $3500 a week.

In September, 1913, the United States government forced the Canadian Minister of Justice to return Thaw to the United States. Thaw faced a third trial in 1915. Bolstered by a cadre of the best lawyers money could buy, Thaw was found to be sane, and the jury found him not guilty of all charges.

Back on the streets, Thaw went back to his old evil ways. Eighteen months after he was released from prison, Thaw was arrested for kidnapping and whipping Frederick Gump. At his trial, Thaw was again declared insane. Yet, before Thaw went back into the asylum, he gave Nesbit her promised divorce. Nesbit spent the next decade appearing in vaudeville, occasional movies, and as a dancer in nightclubs throughout New York City.

In 1924, after seven years in the asylum, Thaw was finally declared sane, and was released from prison. Thaw spent the rest of his life in and out of lucidity. Thaw died on February 22, 1947, at the age of 76, of a heart attack in Miami, Florida. Thaw left a mere $10,000 of his vast fortune to Evelyn Nesbit.

Nesbitt, beset by alcohol addiction, morphine addiction, and several suicide attempts, somehow lasted until January 17, 1967, when she died at the age of 82. Nesbit served as a technical advisor on the 1955 movie “The Girl In the Red Velvet Swing,” which was loosely based on her life story.

Marilyn Monroe was originally scheduled to play Evelyn Nesbit, but ultimately, she refused to play the part, which then went to Joan Collins. Ray Milland played Sanford White, and Farley Granger played Henry Thaw.



Source by Joseph Bruno

I often tell people that becoming a millionaire in the real estate business is an easy thing to accomplish. They usually give me a look of bewilderment. I say that you don’t have to understand every aspect of real estate in order to begin investing. The best thing to do is start with a basic buy-and-hold strategy purchasing whatever type of property you are capable of buying with as little money down as possible. How you buy something with as little money down as possible depends on your financial situation and what types of mortgages you’re capable of qualifying for. Since guidelines for mortgages and government intervention changes daily, it’s impossible for me to tell you the best way to do that. I can tell you how I did it for years using the all-money-down technique I described earlier in the book. But I’ll give you a quick refresher course below.

If you bought $100,000 house through conventional means, you may have to put 20 percent down is $20,000 plus closing costs that will cost you approximately $3000. In this example, you put $23,000 down to buy $100,000 investment property. Using the all-money-down technique, you would buy a $100,000 property for cash putting all $100,000 down plus the closing costs of $3000. At this point, you have $103,000 down on the property and you begin to invest an additional $5000 to fix the property up. You now have a total of $108,000 of your money into the property. You put the property up for rent and you find a good tenant, so now you’re empty investment property is a business making money and shows a profit. Now you go to the bank and you get the property appraised with the intention of doing a cash-out refinance. Because you fixed up the property and it’s a money-making business, the property appraises for $114,000. The bank is willing to lend you an 80 percent mortgage on the $114,000 appraisal giving you a mortgage of $91,200. You originally put down $103,000 and received back a mortgage for $91,200 making your out-of-pocket costs $11,800.

When using the all-money-down technique as compared to buying a property through conventional methods, you save $11,200. Now of course, you’re going to have a higher mortgage and less cash flow coming from the property, but you’re also going to have $11,200 to buy the next property with.

Sometimes the homes you buy are going to cost you $10,000 to buy; other times you’re going to break even on the deal. You might even be lucky enough to actually get paid to buy a house, which has happened to me once or twice. The goal was simply to just keep buying as many properties as possible until you build up a portfolio worth millions of dollars. You will make a profit from the cash flow, but most likely that’s going to go back and do things like repairs and vacancies in all the other issues that come up with real estate. If you do end up banking $10,000 during the year from the cash flow of your buildings, there is your down money to buy an additional property and expand your portfolio further.

I have constantly repeated that you’re not going to find the cash flow to be something of tremendous value to you. The cash flow will help pay for the necessary things and give you down money for future deals, but in the end you will work hard for very little money. The real surprise will come when you’ve ridden the cycle from bottom to top and created a gap between your portfolio’s value and the amount of mortgages that you owe for the building. Accruing equity in your buildings, you will slowly begin to see your net worth increasing as the years go on.

For example let’s just say you bought one property a year for five years valued at $100,000 a property. Since the five years that you bought the properties, values have gone up somewhat and the mortgages have gone down, and your net worth is the equity in between. As you begin to see this throughout your investing career, especially when the market is on the rise, it can be an exciting time.

Your expectations should be to live off of the income from your job while the profit from the rental property business is used to fuel its needs. You’ll usually get to a point somewhere when a real conflict will develop between your current career and your real estate investments. It’s hard to be in two places at once, and ultimately it will begin to catch up with you. For me this conflict was easily resolved since I only wanted to be doing real estate anyway, but if you love your day job and you plan to continue it through your life, you’re going to have to make some tough decisions. You could keep your day job, but someone is going to have to run your portfolio.

I maintain that getting a seven-figure net worth in equity strictly in your real estate holdings is not that difficult to do. I recommend you join real estate investment clubs and read as many books as you possibly can. As you begin to make investments, you’ll find friends in the businesses that relate to your industry such as people in the mortgage business. I recommend that you associate with as many of these people as possible so that your knowledge of the industry expands tremendously.

A friend of mine who’s an intelligent guy took some of this advice and began moving quickly. In his first year, I think he bought two properties, but by his second year he was already doing $300,000 flips and buying multiunit investment properties with a partner that he has. First of all, I’m not a big fan of partnership for the deal size he was doing, and second, I think he was growing a little too fast. If he didn’t have a job, I wouldn’t have a problem with the speed of his growth, but because he had a well-paying job, I cautioned him not to move too fast. The second half of 2009 was a rough year for him as his $300,000 flip was not selling, and he’s already had to do two evictions. Carrying the mortgage and his $300,000 flip was expensive and was already causing some tension in his partnership. It’s not going to be all fun and games; as your portfolio grows, your problems grow with it and the workload grows.

Another thing I can say about the issues in the real estate business is that they seem to come in waves. Even when I owned dozens of homes, I would go six months where I wouldn’t need to change a doorknob and then all of a sudden all hell would break loose. I’d be dealing with an eviction, two vacancies, and apartments that were destroyed. When it rains it pours in the real estate business; at least that’s the way it worked out for me. I remember on two separate occasions during the summertime one year followed by the next summer a year later I was bombarded with all kinds of issues. In this business, you can’t let a vacant property sit and wait because you’re losing money every day it’s not rented. The process of getting it renovated and re-rented is the highest importance.

As bad as I make it sound, I think you’ll find it all to be worth it in the end. It seems that no matter how much money I made, I have learned in my career I never really save. As you earn more money, your lifestyle increases and you begin to upgrade your homes and cars to the point where your bills go right along with your salary. The real estate business is almost like a bank account you really can’t touch easily without selling a building, so it continues to grow and feed off of itself. It’s a terrific feeling when you realize that your $550,000 portfolio experienced a 10 percent increase in values in the last year and you’re up an additional $55,000.

I’m using the same principles today in the commercial arena buying larger buildings with similar strategies. I can’t buy a $3 million building with the technique, but there are many other things that can be worked out in the commercial world. Nowadays I use strategies that involve complex negotiations with the sellers where I convince them to carry paper or lease option the building. I can also borrow money from banks for commercial investments giving the bank that piece of real estate I am buying as collateral as well as existing pieces of real estate as collateral. I call it redundant collateralization and am seeing more and more of it every day from banks.

If you can go from broke to seven figures in one real estate cycle as I’ve suggested easily making yourself $1 million during your first real estate cycle, then just imagine what you can do in your second real estate cycle. I plan to be carrying a real estate portfolio with the value north of $10 million and have that portfolio under my control before the real estate market begins to show any gains. I expect the gains will begin to show sometime around 2013 or later. Can you imagine if you’re holding a $10 million portfolio and the real estate market goes up a meager five percentage points? It doesn’t matter how much money I made that year in income because as long as I can keep my business afloat I am up half a million dollars in equity in one year. If I’m ever lucky enough to see the crazy increases that we saw in 2005, can you imagine what it will feel like to see a 20 percent increase in values in one year when you’re holding a portfolio worth eight figures?

“Far better it is to dare mighty things, to win glorious triumphs even though checkered by failure, than to rank with those poor spirits who neither enjoy nor suffer much because they live in the gray twilight that knows neither victory nor defeat.” Theodore Roosevelt

Let’s dream about holding a portfolio worth $12 million when the market goes up 20 percent giving me a one-year tax free gain of $2,400,000. I believe that this is a realistic expectation for my second cycle of the real estate business. In the year 2025, I will be sixty years old. I feel certain that if I continue to just do what I’ve been doing my whole life, I surely should have a net worth of many millions of dollars strictly for my real estate holdings. I know of no other way to make money in these types of numbers as easily as I do in the real estate business. I don’t deny that other people have the means to make this kind of money or even more, but I am not familiar with those methods. I consider myself an expert on real estate, and I certainly feel as some of the things I’m talking about here will happen to me as long as I’m lucky enough to still be breathing when 2025 rolls around.

This is why I love the real estate business, and this is why I’m pumped every day to get out and keep it going because I can see my future is filled with bright and sunny days. I feel terrific about getting up in the morning and going to work, and when you have that kind of attitude, there’s no way you can fail. This morning I woke up at 5:30 a.m. and went to my office building to reorganize some equipment in our communication room. I’m spending some afternoon hours on a Sunday working on my book and feeling great about my possibilities. If you love what you do, you will be much happier and much more successful at whatever you try.

I don’t even consider the things that I did this morning or writing this book as work in the regular way people think of it. Obviously, it is work that I’m doing, but I don’t have a negative feeling about the word work or what it entails. I get a terrific sense of accomplishment from getting up in the morning and making things that happen furthering along my career each day in baby steps toward the ultimate goal of massive wealth accumulation. I hope that some of you reading this book will really grasp the things I’m talking about above. I feel that may be the most important message in the entire book.

Here’s an idea you should think about after you buy your first property. Make sure that you take some time after you bought it to really analyze what’s going to be involved in being a real estate landlord. If you like it or even love it, let’s get the party started, and if you don’t get out right now. If you’re going to proceed in the business just for the money but despise dealing with tenants and working on buildings, you really have to be careful and reconsider what you’re about to do. This business is not for wimps, and it takes a heck of a lot of guts to be a real estate investor. To get to the level that I have achieved, you may have to take half of your net worth and roll the dice on some large commercial building risking the twenty years of hard work on one deal. Until you go through that process, I can never truly explain to you what that will feel like. My name is Phil, and I’m addicted to real estate.



Source by Phil Falcone

“True Love” was written by Cole Porter and performed by Bing Crosby and Grace Kelly in the 1955 film, “High Society,” which also starred Frank Sinatra and Louis Armstrong. “True Love” was the first and only gold record for Grace Kelly and was the 21st gold record for Bing Crosby. The song stayed on the charts for 22 weeks, rising as high as number 3. “True Love” was nominated for an Academy Award as Best Song in 1956, although it lost to Doris Day’s “Que Sera, Sera.”

Cole Porter was a highly experienced songwriter when he wrote “True Love.” The decades of the 1930’s and 1940’s were full of Cole Porter hit musicals. During the 1930’s alone, Porter wrote music and lyrics for ten Broadway musicals for New York and two film musicals for Hollywood.

Cole Porter was born in Indiana in 1891 to parents who were wealthy. He received an extensive musical education, learning the piano and the violin by age six. His favorite of the two was the piano which he practiced two hours daily. By age ten he was writing words and music to original songs, and by age seventeen he published his first song.

Porter also received an impressive academic education which carried him through Yale and into Harvard Law School and the Harvard School of Music. While at Yale, Porter became the president of the Glee Club and a cheer leader, and, among the 300 songs he wrote while at Yale, he wrote two football fight songs that are still played today. Despite being the roommate of Dean Acheson, the future Secretary of State under President Truman, Porter dropped out of Harvard Law School to continue with his music education.

After World War I, Porter moved to Europe where he met and married Linda Lee Thomas, a beautiful and rich divorcee and a descendant of the Lees of Virginia. Their relationship was a loving, supportive, lifelong partnership. Cole Porter was gay and had numerous male interests which Linda had agreed to allow. However, the marriage was at times unstable when Porter’s gay interests threatened the couple’s carefully maintained social appearances.

Following their marriage in 1919 in Paris, the Porters lived an extravagant lifestyle in Europe through the 1920’s. Their palatial home in Paris had floor to ceiling mirrors and zebra skin upholstery. Later, they moved into a famous palace in Venice where their lush parties included fifty gondoliers, circus acrobats, and a ballet company. They also built a night club outside their palace which accommodated 100 guests.

Back in New York, Porter’s first few contributions to Broadway musicals were poorly received. However, by the end of the 1920’s Porter gained recognition, and through the 1930’s and 1940’s he was one of the brightest stars on Broadway. He worked excessively and tirelessly on his musical productions and spent time in both New York and Hollywood.

In 1937 a terrible horse riding accident crushed both of Porter’s legs. As the story goes, while waiting for hours for help to arrive he composed the lyrics to a verse of his song, “At Long Last Love.” The accident left him crippled and in pain for the rest of his life. He underwent more than 30 leg operations until his right leg was finally amputated in 1958. Following his leg amputation, Cole Porter dropped out of music production until his death in 1964.

In 1955 Cole Porter wrote the lyrics and music for “High Society,” starring Bing Crosby, Grace Kelly, Frank Sinatra, and Louis Armstrong. The film was a musical remake of the classic 1940 award winning movie, “The Philadelphia Story,” which won a Best Actor Oscar for James Stewart and which also starred Cary Grant and Katharine Hepburn. “High Society” featured nine musical numbers, plus there were five additional songs written by Porter which were not included in the movie.

“High Society” was one of MGM’s greatest musicals. Grace Kelly was the movie’s luminous star, and the romantic exchange with Bing Crosby in “True Love” was one of the movie’s highlights.

Here are the lyrics to Cole Porter’s “True Love.”

Sometimes wind blows

a new moon moves at last alone

feeling far above her

oh how lucky we are

while I give to you

would you give to me

true love true love

so on and on it will always be

true love true love

for you and I have a guardian angel

on high with nothing to do

but to give to you as you give to me

love forever true

love forever true

for you and I have a guardian angel

on high with nothing to do

but to give you as you give to me

love forever true

love forever true

give me more true love oh yeah

true love true love

true love true love

got to give me your oh yeah oh yeah

true love true love

true love true love

for you and I have a guardian angel

on high with nothing to do

but to give to you as you give to me

love forever true

love forever true

love forever true love.



Source by Garry Gamber