Block Chain in Cannabis

https://mjbizdaily.com/marijuana-businesses-experimenting-blockchain-technology-skeptics-persist/

California Cannabis Supply Chain

As California embarks on their cannabis regulation problems are looming:

1 - Supply chain delays will create Shortages
2 - Black Market is expected to flourish
3- Regulation creates obstacles

How to purchase a foreclosure property

Ever wonder what the foreclosure process is really like on the courthouse steps? Properties are auctioned at the courthouse steps of the county where they are located on the first Tuesday of every month. These properties must be advertised in the legal newspaper of that county once a week for the four consecutive weeks prior to the auction. This gives you a little time to try to find out more about the property.

Preparation

If you’re thinking of purchasing a property at the courthouse steps, it’s very important that you do your Due Diligence. Unfortunately, inspecting the property is almost always impossible, as the current owner isn’t going to open their doors for interested parties to come inside! There is always the risk that the property could have structural problems or other problems that could be expensive to remedy.
However, you can and should order a title report to determine any liens that are on the property because when you purchase a property at the courthouse steps you get everything that comes with it (such as liens, an additional mortgage, past due taxes, etc.).  In addition, a survey would determine the lot lines and if there are any easements or encroachments on the property.

Auction Day

On the sale date the lender’s attorney conducts a public sale some time between 10:00 a.m. and 4:00 p.m. The attorney reads the legal notice and announces that he is ready to receive cash bids (“cries the bid”). In some cases there is competitive bidding between unrelated third parties. In other cases there is no bidding at all, and the lender becomes the successful bidder. Normally the lender’s bid includes the total investment, which is principal, interest and all other foreclosures costs (legal fees, advertising fees, and Ga. Transfer Tax).
The foreclosure attorney will only accept cash, so the potential bidders are walking around with pockets full of certified funds. Unlike some states, Georgia does not have a redemption period allowing the borrower to redeem the property after the foreclosure sale takes place.
Just like any other investment, buying a property at the courthouse steps offers the greatest potential return on investment; however, it also holds the highest risk to the investor, due to the limited means of investigating as mentioned above. The phrase “let the buyer beware” certainly applies to those purchasing at the courthouse steps!

The cost of residential real estate

Half the costs of residential real estate comes from physical construction, about 37% and land 19%, that you can actually see and touch in a building. The remainder of the total are soft costs (24%) and expected equity return for the investors (25%)

Soft Costs are usually expenses such as Insurance, Development fees, Taxes, and loan fess. 

The 3rd Degree....

Is a college degree/advanced degree necessary?  Let me preface by saying I have a LOT of "schooling" and several degrees that I appreciate and of which I am proud.  Currently, I am putting the finishing touches on a second Masters' degree (MS in Information Technology, Spring 2013), my third post-secondary degree.  However, I have been reading a lot of stories on the dangers and pitfalls of post-secondary schooling,  like the "Education Bubble" by Howard University grad Reggie Middleton. Wall Street Journal published a recent article as well about the value of a degree.

When you consider the current job market and starting salaries, coupled with the rising costs of secondary education and relative ease of attaining government-backed, education loans, the world of academia really does resemble the housing market of 2006.

So I ask.... is it necessary? 


I know that corporate jobs are making it mandatory to have a college degree to even get an interview...  And that fuels the education market wheel.  Need job - need degree for job - "free" money for degree - get in school.... and so on.  However, I think there needs to be a REAL discussion and analysis before one goes into debt with loans that you cannot discharge, on the premise that THE job is waiting on the other side...

Pretty soon EVERYONE will have a degree...then what separates wheat from the chaff?  I say learn a skill...  Get "real world" experience.  Seek out mentorship opportunities.  Network.

Go to college too - get an education FOR THE EDUCATION!  Not for the promise of employment....

Be sensible.

Get passionate.  And your passion will lead you to "earning a living".

Where is your money going?

Big banks becoming more transparent with fees?

Change Management

Changes in Business requires the right management, the right systems and the right tools. Does your business have what it takes to succeed?