Flat fee real estate brokers texas
FlatFeeMLSReviews
2020.07.15 18:59 YouCanChooseLove FlatFeeMLSReviews
Links to reviews of flat fee real estate brokerages that list homes for sale on the Realtors Multiple Listing Service. Self MLS listing, flat fee listings, fsbo MLS, for sale by owner multi-list, whatever you call it, to be successful you need a trustworthy broker with a track record of satisfied house sellers with substantial commission savings. Inspired by the popular flatfeereviews.com that was discontinued in 2018. See links to seller evaluations, comments, complaints, & experiences.
2015.07.14 01:32 shawnee_ Realtors Are Criminals
Documenting and exposing the theft, conspiracy, fraud, malfeasance, tax evasion, felonies, embezzlement, sleaze and slime of your local REALTORS®
2023.03.30 20:37 ncsustudent3 Getting RE License/Avoiding Buyer's Agent
Hello,
My wife and I are looking to buy within the year. I've thought about getting a RE license as I'd like to get into investment properties and for personal purchases (FT engineer currently). I buy/sell cars on the side so I'm familiar with negotiating and working with people.
Math is based on a 400k listed home that is worth such.
Regarding having a buyers agent (specifically regarding the financial side), would it not make sense:
I have no real estate experience currently aside from anecdotes from friends/family. However, I've seen all 3 of these discussed heavily online (with individuals claiming success with each) and would like input before I pursue any one in particular.
Thank you for any input!
submitted by ncsustudent3 to RealEstate [link] [comments]
My wife and I are looking to buy within the year. I've thought about getting a RE license as I'd like to get into investment properties and for personal purchases (FT engineer currently). I buy/sell cars on the side so I'm familiar with negotiating and working with people.
Math is based on a 400k listed home that is worth such.
Regarding having a buyers agent (specifically regarding the financial side), would it not make sense:
- Go ahead and get RE license (NC, $200-$300 for online classes & exam + cheapest bare-bones broker - no need for MLS/NAR membership. Not worried about factoring in time) and then keep the 2.5-3% commission on any personal RE deals (~12k in commission, $500 for broker, roll into DP/closing to lower basis & not pay income tax) TC: 400k + .5k (RE license) + .5k (broker fee) - 12k (buyer RE commission) = 389k
- Buy without an agent and be self/unrepresented. Not rely on dual-agency. Make lower offer, 388k, but state only 3% commission which would go to the seller's agent. Use attorney to draft up paperwork (1k). I realize seller & agent have prearranged contract which includes contingencies for buyer without an agent (4,5,6% to sellers agent). Everything is negotiable. TC: 388k + 1k = 389k
- Use seller's agent (dual-agency) to advantage. Submit low-ball offer (380k) knowing seller's agent will push to get 6% cut (23K). TC: 380k
I have no real estate experience currently aside from anecdotes from friends/family. However, I've seen all 3 of these discussed heavily online (with individuals claiming success with each) and would like input before I pursue any one in particular.
Thank you for any input!
2023.03.30 20:26 StepwiseUndrape574 Rockstar Launches GTA+ Subscription Service With Member Exclusive Benefits But Is It Worth It?
Once upon a time, it was commonplace for online games to have subscription fees. The earliest popular graphical online games, including Ultima Online and EverQuest, all had recurring service fees, as did many games that came after, such as Final Fantasy XI and World of Warcraft.
That model has largely given way to the "freemium" model where the publishers give the game itself away for free, but much of the game's content is locked behind the choice of either extended play times "grinding" for materials, or the option of skipping that grind with a real-money payment.
However, some games have both, and that usually includes the longest-lived and most-successful ones. Sega's ten-year-on Phantasy Star Online 2 is free-to-play, but has extensive cash purchases and also has a "premium" subscription available. In Final Fantasy XIV and the venerable World of Warcraft, the subscription fee is still required despite the presence of a cash shop.
carmeet
Grand Theft Auto Online has a lot of similarities to what we usually think of as qualities of "MMO" games. While it isn't "massively multiplayer" on a local scale—sessions normally include a maximum of 32 players—there are tens of thousands of players online at any given moment. It has named player characters with persistent progress and all of the other things we think of from MMO games: equipment, appearance customization, player housing, difficult multiplayer "raid" events, and so on.
With that context in mind, it probably shouldn't be a surprise that Rockstar is launching a subscription service for GTA Online. It's called GTA+, and it costs $6 a month. Ponying up for the premium subscription earns you a cool $500,000 in the in-game GTA$ currency every month and extra GTA$ on "Shark Cards," as well as exclusive benefits. Here's the list of benefits for the first month: The Principe Deveste Eight — along with a complimentary Hao’s Special Works upgrade for it before it is made available to purchase by the general public — plus the HSW Orange Trip and HSW CMYK Glitch Liveries. The Auto Shop located in La Mesa, introduces an assortment of gameplay updates from Los Santos Tuners. Current Auto Shop owners can relocate to La Mesa at no additional cost. Waived LS Car Meet Membership fees. Current LS Car Meet members with GTA+ will be reimbursed GTA$50,000 during this event period. Yacht owners can upgrade to the Aquarius Super Yacht at no additional cost. The Gussét Frog Tee and Broker Prolaps Basketball Top and Shorts automatically added to your wardrobe. The Conveyor Livery for the Mammoth Avenger, HVY APC, and TM-02 Khanjali. A selection of free paints and emblems for the Auto Shop. 3X GTA$ and RP on Hao’s Special Works Race Series. 2X Car Meet Rep on the Street Race Series. It would be easy to criticize Rockstar for this move because the company has already taken $60 of your money for the game. That's to say nothing of the grind-heavy nature of GTA Online that practically forces players to purchase Shark Cards for in-game currency if they want to make progress at any kind of reasonable rate. There's also the fact that the company is charging money for what is honestly an extremely minor update on the current-generation consoles.
In the interest of fairness, though, we'll note that many players who bought GTA V (including GTA Online) purchased it nearly a decade ago. Just like other major online games, GTA Online has seen years of additional content and improvements through continual updates, and that stuff does cost money to create.
deveste eight The Principe Deveste Eight, one of the rewards for subscribing this month.
If you own GTA V, you don't actually have to pay Rockstar anything to play it for the rest of eternity, so giving players an option to spend a little every month to support continued development is fair. However, the list of benefits, at least for the first month, is pretty weak.
There's another caveat, too: this program is only available to players on the PlayStation 5 and Xbox Series consoles. We've asked Rockstar if GTA+ will be coming to the PC version, and will update this post if we get a response.
submitted by StepwiseUndrape574 to gta5moddedoutfits_ [link] [comments]
That model has largely given way to the "freemium" model where the publishers give the game itself away for free, but much of the game's content is locked behind the choice of either extended play times "grinding" for materials, or the option of skipping that grind with a real-money payment.
However, some games have both, and that usually includes the longest-lived and most-successful ones. Sega's ten-year-on Phantasy Star Online 2 is free-to-play, but has extensive cash purchases and also has a "premium" subscription available. In Final Fantasy XIV and the venerable World of Warcraft, the subscription fee is still required despite the presence of a cash shop.
carmeet
Grand Theft Auto Online has a lot of similarities to what we usually think of as qualities of "MMO" games. While it isn't "massively multiplayer" on a local scale—sessions normally include a maximum of 32 players—there are tens of thousands of players online at any given moment. It has named player characters with persistent progress and all of the other things we think of from MMO games: equipment, appearance customization, player housing, difficult multiplayer "raid" events, and so on.
With that context in mind, it probably shouldn't be a surprise that Rockstar is launching a subscription service for GTA Online. It's called GTA+, and it costs $6 a month. Ponying up for the premium subscription earns you a cool $500,000 in the in-game GTA$ currency every month and extra GTA$ on "Shark Cards," as well as exclusive benefits. Here's the list of benefits for the first month: The Principe Deveste Eight — along with a complimentary Hao’s Special Works upgrade for it before it is made available to purchase by the general public — plus the HSW Orange Trip and HSW CMYK Glitch Liveries. The Auto Shop located in La Mesa, introduces an assortment of gameplay updates from Los Santos Tuners. Current Auto Shop owners can relocate to La Mesa at no additional cost. Waived LS Car Meet Membership fees. Current LS Car Meet members with GTA+ will be reimbursed GTA$50,000 during this event period. Yacht owners can upgrade to the Aquarius Super Yacht at no additional cost. The Gussét Frog Tee and Broker Prolaps Basketball Top and Shorts automatically added to your wardrobe. The Conveyor Livery for the Mammoth Avenger, HVY APC, and TM-02 Khanjali. A selection of free paints and emblems for the Auto Shop. 3X GTA$ and RP on Hao’s Special Works Race Series. 2X Car Meet Rep on the Street Race Series. It would be easy to criticize Rockstar for this move because the company has already taken $60 of your money for the game. That's to say nothing of the grind-heavy nature of GTA Online that practically forces players to purchase Shark Cards for in-game currency if they want to make progress at any kind of reasonable rate. There's also the fact that the company is charging money for what is honestly an extremely minor update on the current-generation consoles.
In the interest of fairness, though, we'll note that many players who bought GTA V (including GTA Online) purchased it nearly a decade ago. Just like other major online games, GTA Online has seen years of additional content and improvements through continual updates, and that stuff does cost money to create.
deveste eight The Principe Deveste Eight, one of the rewards for subscribing this month.
If you own GTA V, you don't actually have to pay Rockstar anything to play it for the rest of eternity, so giving players an option to spend a little every month to support continued development is fair. However, the list of benefits, at least for the first month, is pretty weak.
There's another caveat, too: this program is only available to players on the PlayStation 5 and Xbox Series consoles. We've asked Rockstar if GTA+ will be coming to the PC version, and will update this post if we get a response.
2023.03.30 20:07 sean_a_saurus 1987 classifieds - Florida Grower and Rancher magazine
 | submitted by sean_a_saurus to florida [link] [comments] |
2023.03.30 20:01 california_reop How to build a REOP firm today with no upfront cost
 | submitted by california_reop to californiareop [link] [comments] |
2023.03.30 19:41 GregRaymer Investing – How the Super Rich Invest
Investing is the practice of purchasing and holding investments with the aim of increasing their value over time. This could include investing in stocks, bonds, real estate, or other assets.
When investing for yourself or with an investment professional, the essential step is creating a financial plan and following it closely. That way, you can select investments that fit within your objectives and risk tolerance.
Stocks
Stocks are an investment vehicle that gives investors ownership of a portion of a company, with potential for increasing in value over time. Although more risky than bonds, stocks can provide long-term growth for your money.
Most stocks offer dividends, which are payments to shareholders from a company’s profits. Furthermore, they give shareholders voting rights on key governance matters. Dividends can also be used for building a diversified portfolio; however, this requires extensive research and planning.
Wealthy investors typically select stocks based on their risk tolerance and investment objectives. They may also opt for a combination of various asset classes, such as stocks, bonds and real estate.
They also assess the liquidity, debt and profitability ratios of companies they invest in. Their objective is to find stocks that are undervalued in the market and likely to generate capital appreciation.
Popular stock types include growth, value and international shares. Prices, volatility levels, liquidity levels and debt levels of these stocks vary considerably between them.
Investors can purchase stocks through a broker, or directly from the company. Mutual funds and exchange-traded funds (ETFs) offer an affordable way for investors to diversify their stock investments at minimal cost.
No matter your level of investing knowledge, it’s essential to comprehend how stocks work and which investments are suitable for you. Although it can be tempting to get overwhelmed by all the complexities involved in investing, taking time to understand the fundamentals will make making investment decisions simpler and more lucrative in the long run.
Many wealthy investors favor investing in stocks over bonds due to the higher potential returns from investing. These returns can be generated through both dividends and price appreciation.
Another advantage of stocks is their flexibility; unlike bonds, which must be held for a specific duration. This makes stocks ideal for those seeking quick profits in the short term but don’t have enough patience to wait until year-end.
Bonds
Bonds are a secure investment that can help investors manage risk in their portfolio. They pay interest to investors on an agreed schedule and may provide income during retirement as well.
Financial advisors recommend them as an essential element of many wealthy investors’ portfolios. Stocks tend to be more reliable than bonds and can provide a steady source of income for retirees, according to these financial experts.
Bonds come in two varieties: those issued directly by a company or government and those traded on the secondary market. In both cases, the value of a bond fluctuates over time.
Bond prices are determined by two factors: its issuer’s credit rating and the amount of interest it pays over a specified time period (term). The longer a bond’s term, the greater potential risk that its price could fluctuate due to changes in interest rates.
In certain instances, interest rate changes can make newly-issued bonds more desirable than older ones. This is because newer bonds typically feature higher interest rates than their older counterparts, making them more profitable investments for investors to purchase.
Another risk associated with bonds is the potential default on payments. This would cause investors to lose money. That’s why all bonds have a credit rating – an opinion of an issuer’s capacity to repay its bondholders.
Bonds can be an excellent addition to any portfolio, but it’s best to seek the advice of an experienced financial adviser before purchasing them. A financial professional will assist in deciding if a bond is suitable for your requirements and may recommend an established broker.
Investment bonds can be acquired in a number of ways, including individual bonds, mutual funds and ETFs (exchange-traded funds). Some bonds are listed on securities exchanges like the ASX while others aren’t.
Investors typically opt to purchase bonds through mutual funds or ETFs, which offer more liquidity than individual bonds. These vehicles are simpler and can be traded online or in person more conveniently than individual bonds, however if you decide to purchase individual bonds it’s essential to understand that there is no centralized market place for them and getting a fair price may prove challenging.
Real Estate
Investing in real estate is an excellent way to build wealth. It offers passive income, shields you from stock market volatility and provides tax benefits. Unfortunately, it also takes a significant amount of time and money – so do your due diligence before making a decision.
Investing in real estate is most commonly done through primary residences – homes you live in and rent to others. These properties may be bought with cash or financed with a mortgage; if the latter, you’ll need to pay mortgage insurance (MIP) as protection against losing money if you default on your loan.
Rentals are an increasingly popular way for real estate investors to diversify their portfolios. You can purchase a single-family home, multifamily unit, or vacation home and rent it out for short or long terms.
Flipping houses is a more speculative investment and may carry risks, but it could also yield substantial profits if you select the right property in an advantageous neighborhood. It’s essential to remember that real estate prices move in cycles; therefore, buy at the bottom of the cycle when prices are at their lowest levels.
Real estate income typically rises faster than inflation, making it an excellent hedge against rising inflation expectations in the U.S. in coming years.
Wealthy investors have the option of investing not only in residential real estate but also commercial assets like shopping malls, office buildings and hotels.
These investments require more time, energy and money than residential ones and may be harder to locate in certain markets. Therefore, it’s essential that you do your due diligence before committing.
One way to increase your investment success is through a real estate limited partnership (RELP). RELPs involve investors investing in properties and receiving a K-1 tax form for tax reporting purposes. The general partner manages the assets on behalf of the investors. RELPs may not be as passive as hedge funds, but they do offer investors an opportunity to diversify their investment portfolios and earn more than just interest income.
Other Investments
The super wealthy may be known for their charitable works and social graces, but they also make investments along the way. Most commonly, stock market investments and having cash in the bank come to mind; however, these individuals don’t hesitate to take advantage of various opportunities either. According to TIGER 21’s research, these individuals possess excellent fund allocation skills as well as knowledge regarding deals such as tuck-and-pulley strategies. Furthermore, some of these financial aces take time out to educate themselves on high yield debt products, low cost debt products and equity products in order to reap benefits in the long run.
https://www.usahousepartners.com/blog/investing-how-the-super-rich-invest/
submitted by GregRaymer to u/GregRaymer [link] [comments]
When investing for yourself or with an investment professional, the essential step is creating a financial plan and following it closely. That way, you can select investments that fit within your objectives and risk tolerance.
Stocks
Stocks are an investment vehicle that gives investors ownership of a portion of a company, with potential for increasing in value over time. Although more risky than bonds, stocks can provide long-term growth for your money.
Most stocks offer dividends, which are payments to shareholders from a company’s profits. Furthermore, they give shareholders voting rights on key governance matters. Dividends can also be used for building a diversified portfolio; however, this requires extensive research and planning.
Wealthy investors typically select stocks based on their risk tolerance and investment objectives. They may also opt for a combination of various asset classes, such as stocks, bonds and real estate.
They also assess the liquidity, debt and profitability ratios of companies they invest in. Their objective is to find stocks that are undervalued in the market and likely to generate capital appreciation.
Popular stock types include growth, value and international shares. Prices, volatility levels, liquidity levels and debt levels of these stocks vary considerably between them.
Investors can purchase stocks through a broker, or directly from the company. Mutual funds and exchange-traded funds (ETFs) offer an affordable way for investors to diversify their stock investments at minimal cost.
No matter your level of investing knowledge, it’s essential to comprehend how stocks work and which investments are suitable for you. Although it can be tempting to get overwhelmed by all the complexities involved in investing, taking time to understand the fundamentals will make making investment decisions simpler and more lucrative in the long run.
Many wealthy investors favor investing in stocks over bonds due to the higher potential returns from investing. These returns can be generated through both dividends and price appreciation.
Another advantage of stocks is their flexibility; unlike bonds, which must be held for a specific duration. This makes stocks ideal for those seeking quick profits in the short term but don’t have enough patience to wait until year-end.
Bonds
Bonds are a secure investment that can help investors manage risk in their portfolio. They pay interest to investors on an agreed schedule and may provide income during retirement as well.
Financial advisors recommend them as an essential element of many wealthy investors’ portfolios. Stocks tend to be more reliable than bonds and can provide a steady source of income for retirees, according to these financial experts.
Bonds come in two varieties: those issued directly by a company or government and those traded on the secondary market. In both cases, the value of a bond fluctuates over time.
Bond prices are determined by two factors: its issuer’s credit rating and the amount of interest it pays over a specified time period (term). The longer a bond’s term, the greater potential risk that its price could fluctuate due to changes in interest rates.
In certain instances, interest rate changes can make newly-issued bonds more desirable than older ones. This is because newer bonds typically feature higher interest rates than their older counterparts, making them more profitable investments for investors to purchase.
Another risk associated with bonds is the potential default on payments. This would cause investors to lose money. That’s why all bonds have a credit rating – an opinion of an issuer’s capacity to repay its bondholders.
Bonds can be an excellent addition to any portfolio, but it’s best to seek the advice of an experienced financial adviser before purchasing them. A financial professional will assist in deciding if a bond is suitable for your requirements and may recommend an established broker.
Investment bonds can be acquired in a number of ways, including individual bonds, mutual funds and ETFs (exchange-traded funds). Some bonds are listed on securities exchanges like the ASX while others aren’t.
Investors typically opt to purchase bonds through mutual funds or ETFs, which offer more liquidity than individual bonds. These vehicles are simpler and can be traded online or in person more conveniently than individual bonds, however if you decide to purchase individual bonds it’s essential to understand that there is no centralized market place for them and getting a fair price may prove challenging.
Real Estate
Investing in real estate is an excellent way to build wealth. It offers passive income, shields you from stock market volatility and provides tax benefits. Unfortunately, it also takes a significant amount of time and money – so do your due diligence before making a decision.
Investing in real estate is most commonly done through primary residences – homes you live in and rent to others. These properties may be bought with cash or financed with a mortgage; if the latter, you’ll need to pay mortgage insurance (MIP) as protection against losing money if you default on your loan.
Rentals are an increasingly popular way for real estate investors to diversify their portfolios. You can purchase a single-family home, multifamily unit, or vacation home and rent it out for short or long terms.
Flipping houses is a more speculative investment and may carry risks, but it could also yield substantial profits if you select the right property in an advantageous neighborhood. It’s essential to remember that real estate prices move in cycles; therefore, buy at the bottom of the cycle when prices are at their lowest levels.
Real estate income typically rises faster than inflation, making it an excellent hedge against rising inflation expectations in the U.S. in coming years.
Wealthy investors have the option of investing not only in residential real estate but also commercial assets like shopping malls, office buildings and hotels.
These investments require more time, energy and money than residential ones and may be harder to locate in certain markets. Therefore, it’s essential that you do your due diligence before committing.
One way to increase your investment success is through a real estate limited partnership (RELP). RELPs involve investors investing in properties and receiving a K-1 tax form for tax reporting purposes. The general partner manages the assets on behalf of the investors. RELPs may not be as passive as hedge funds, but they do offer investors an opportunity to diversify their investment portfolios and earn more than just interest income.
Other Investments
The super wealthy may be known for their charitable works and social graces, but they also make investments along the way. Most commonly, stock market investments and having cash in the bank come to mind; however, these individuals don’t hesitate to take advantage of various opportunities either. According to TIGER 21’s research, these individuals possess excellent fund allocation skills as well as knowledge regarding deals such as tuck-and-pulley strategies. Furthermore, some of these financial aces take time out to educate themselves on high yield debt products, low cost debt products and equity products in order to reap benefits in the long run.
https://www.usahousepartners.com/blog/investing-how-the-super-rich-invest/
2023.03.30 19:37 TeaPartyDem Extortion scam disguised as real estate wire fraud scam?
Real Estate Broker (REB) is contacted via email by person A who purports to be representing his mother who wants to purchase a listed property.
REB sends a purchase contract.
Buyer returns the contract to REB.
Then buyer sends an email saying “The money has been wired per your email instructions”.
REB says “WHAT???!!! I never sent you wiring instructions!!”
Buyer says “Oh yes you did! Here’s the email you sent me!”.
REB says “We never sent that email, we must have been hacked!”.
Attorney for buyer contacts broker and says ”It’s totally your fault your email got hacked! You must have had a weak password! We are going to sue you for everything you’ve got! We are going to ruin your business! You should settle with us”.
REB proceeds to lose their mind in panic. Hires attorney. Spends $$$$.
Buyer’s attorney disappears.
Buyer disappears.
submitted by TeaPartyDem to Scams [link] [comments]
REB sends a purchase contract.
Buyer returns the contract to REB.
Then buyer sends an email saying “The money has been wired per your email instructions”.
REB says “WHAT???!!! I never sent you wiring instructions!!”
Buyer says “Oh yes you did! Here’s the email you sent me!”.
REB says “We never sent that email, we must have been hacked!”.
Attorney for buyer contacts broker and says ”It’s totally your fault your email got hacked! You must have had a weak password! We are going to sue you for everything you’ve got! We are going to ruin your business! You should settle with us”.
REB proceeds to lose their mind in panic. Hires attorney. Spends $$$$.
Buyer’s attorney disappears.
Buyer disappears.
2023.03.30 19:33 physio1337 Bird dog fees
Hi everyone,
I'm a RE investor with a full-time W2. Aside from purchasing two properties thru my realtor, I've also referred 3 people to him that have also purchased homes.
On my last purchase, I let him broker the new construction deal for a fat 4% commission, or close to $9K, for simply being included at my initial walk thru (maybe 2 hours of total work including travel).
My question is this: can I technically start asking for a bird dog fee on future referrals? I feel like he should thank me via a small percentage as a courtesy.
I'm also a bit butt hurt that he decided to use someone else's $750 AirBnB referral link after all the business I've sent him... Close to $1.5-1.8M in real estate.
submitted by physio1337 to realestateinvesting [link] [comments]
I'm a RE investor with a full-time W2. Aside from purchasing two properties thru my realtor, I've also referred 3 people to him that have also purchased homes.
On my last purchase, I let him broker the new construction deal for a fat 4% commission, or close to $9K, for simply being included at my initial walk thru (maybe 2 hours of total work including travel).
My question is this: can I technically start asking for a bird dog fee on future referrals? I feel like he should thank me via a small percentage as a courtesy.
I'm also a bit butt hurt that he decided to use someone else's $750 AirBnB referral link after all the business I've sent him... Close to $1.5-1.8M in real estate.
2023.03.30 19:17 upbstock reverse
The stock market has backpedaled from its morning high with the S&P 500 narrowing its gain to just 0.3% after being up 0.8% shorty after today's open.
Technology stocks fueled the market's early strength, and they are still responsible for keeping the S&P 500 and Nasdaq (+0.5%) in positive territory, but the financials (-0.6%) sector has faded from its opening high, which is testing investor sentiment.
Concerns about additional fallout from recent bank failures have invited renewed weakness among regional banks with First Republic Bank (FRC 13.72, -0.54, -3.8%) trading behind just about every other component of the financials sector. Meanwhile, the SPDR S&P Regional Bank ETF (KRE 43.61, -0.72, -1.6%) has given back this week's gain.
Besides financials, only the health care sector (-0.02%) currently trades below its flat line while six of the remaining nine sectors display gains of no more than 0.4%. This leaves real estate (+1.1%), consumer discretionary (+0.9%), and technology (+0.8%) atop today's sector leaderboard.
Treasuries have inched to fresh highs, but the 10-yr yield is down just a basis point at 3.56% at this juncture.
submitted by upbstock to Optionmillionaires [link] [comments]
Technology stocks fueled the market's early strength, and they are still responsible for keeping the S&P 500 and Nasdaq (+0.5%) in positive territory, but the financials (-0.6%) sector has faded from its opening high, which is testing investor sentiment.
Concerns about additional fallout from recent bank failures have invited renewed weakness among regional banks with First Republic Bank (FRC 13.72, -0.54, -3.8%) trading behind just about every other component of the financials sector. Meanwhile, the SPDR S&P Regional Bank ETF (KRE 43.61, -0.72, -1.6%) has given back this week's gain.
Besides financials, only the health care sector (-0.02%) currently trades below its flat line while six of the remaining nine sectors display gains of no more than 0.4%. This leaves real estate (+1.1%), consumer discretionary (+0.9%), and technology (+0.8%) atop today's sector leaderboard.
Treasuries have inched to fresh highs, but the 10-yr yield is down just a basis point at 3.56% at this juncture.
2023.03.30 18:58 EntreLeavingTheShip Post-NDA, Q1 Ramsey Employee Headcount
When the February NDA issue started to surface, there was a lot of speculation about how many people would leave Ramsey Solutions. I have an update on those numbers.
TLDR: With the exception of September and November, Ramsey Solutions has had negative or flat growth since April of 2022. 65 people have left January through March, which is the second highest 3-month departure rate, second only to May-July 2022 at 71 people. February and March are the two highest months for net negative change in employees at -17 and -14.
But hey, at least they don't do layoffs.
Notable Departures since January:
Data:
At the end of 2022, my numbers showed Ramsey had about 1079 team members. Those numbers have been further refined after people have updated their LinkedIn profiles, and an updated count for the end of 2022 is closer to 1,056. Even that number, after running it by someone who is more familiar with the official headcount, is high by about 10-15 people - there are people who have left at some point who never updated their LinkedIn or other social media.
Where are we today, after most who probably had an issue with the NDA left? (* I say most, I'm aware of a few in my friend network who are still looking for jobs because of this issue).
My count is currently at 1,021 (making the official count between about 1006 and 1011).
There has been a net loss of at least 35 people since the start of the year.
Between April 1, 2022 and March 30, 2023, at least 167 were hired, and at least 233 left.
Net Growth (hires - exists)
submitted by EntreLeavingTheShip to DirtyDave [link] [comments]
TLDR: With the exception of September and November, Ramsey Solutions has had negative or flat growth since April of 2022. 65 people have left January through March, which is the second highest 3-month departure rate, second only to May-July 2022 at 71 people. February and March are the two highest months for net negative change in employees at -17 and -14.
But hey, at least they don't do layoffs.
Notable Departures since January:
- Winston Cruze, Rachel's husband. It is believed he is still doing some of the management of Dave's personal real estate, but he also is pursuing some kind of other job.
- The CFO (Mark) stepped down and has been replaced. The understanding out there amongst the ex-employees is Mark is now managing Dave's personal wealth.
- It has not been made public yet, but there is a very public person who is leaving as well that was announced internally on Monday. They are no included in my numbers yet. It isn't George, and to the chagrin of a couple posters this week, it isn't Jade.
- 3 Executive Directors - these departures are rare
- Another board member has announced his departure, but I believe he is still there.
- 7 people who had been there for more than 10 years. That includes Winston and the CFO. 13 10+ year people left in all of 2022 and 10 in all of 2021.
Data:
At the end of 2022, my numbers showed Ramsey had about 1079 team members. Those numbers have been further refined after people have updated their LinkedIn profiles, and an updated count for the end of 2022 is closer to 1,056. Even that number, after running it by someone who is more familiar with the official headcount, is high by about 10-15 people - there are people who have left at some point who never updated their LinkedIn or other social media.
Where are we today, after most who probably had an issue with the NDA left? (* I say most, I'm aware of a few in my friend network who are still looking for jobs because of this issue).
My count is currently at 1,021 (making the official count between about 1006 and 1011).
There has been a net loss of at least 35 people since the start of the year.
| Year | New | Exits | Net | Turnover |
|---|---|---|---|---|
| 2023 | 29 | 65 | -35 | 6.16% |
| 2022 | 198 | 214 | -16 | 20.11% |
| 2021 | 284 | 183 | 101 | 17.91% |
| 2020 | 164 | 128 | 36 | 13.43% |
| 2019 | 249 | 102 | 147 | 11.84% |
Net Growth (hires - exists)
| Year | J | F | M | A | M | J | J | A | S | O | N | D |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2019 | 16 | 18 | 8 | 14 | 4 | 12 | 17 | 21 | 5 | 16 | 9 | 7 |
| 2020 | 7 | 6 | 5 | 1 | -6 | -9 | 5 | 11 | 9 | 2 | 7 | -2 |
| 2021 | 9 | 11 | 7 | -11 | 2 | 27 | 9 | 18 | 1 | 6 | 17 | 5 |
| 2022 | 9 | 3 | 3 | 0 | -9 | -2 | -7 | -4 | 10 | -7 | 1 | -13 |
| 2023 | -4 | -17 | -14 |
2023.03.30 18:51 angrygrunt Looks like Nava is a realtor now!
 | Who’s buying a house from him? submitted by angrygrunt to USMC [link] [comments] |
2023.03.30 18:12 Keith_McNeill65 “Gas stations are prime real estate locations, so they are excellent candidates for installing charging infrastructure." – Amaiya Khardenavis, Wood Mackenzie analyst #GlobalCarbonFeeAndDividendPetition
 | submitted by Keith_McNeill65 to climate [link] [comments] |
2023.03.30 18:04 pewpewtehpew Uncle is getting a divorce and I'm offering to buy his x out...please help :)
So my uncle is getting a divorce, he has done a TON of work to his existing house and in the current market he will never find something close to what he has now. It's worth double what he owes. I have offered to buy his wife out giving her close to the amount she would get if they were to sell (after her taxes fees and all that).
What are some things I should consider and things I would need to do?
Some questions I have: Can we remove her from the deed and add my wife and I without having to refinance? Does a real estate lawyer make sense for this type of tx?
Will this impact my home owners insurance, taxes, etc in any way?
Does this count as a second home?
Thanks!
submitted by pewpewtehpew to RealEstate [link] [comments]
What are some things I should consider and things I would need to do?
Some questions I have: Can we remove her from the deed and add my wife and I without having to refinance? Does a real estate lawyer make sense for this type of tx?
Will this impact my home owners insurance, taxes, etc in any way?
Does this count as a second home?
Thanks!
2023.03.30 17:53 StepwiseUndrape574 Rockstar Launches GTA+ Subscription Service With Member Exclusive Benefits But Is It Worth It?
Once upon a time, it was commonplace for online games to have subscription fees. The earliest popular graphical online games, including Ultima Online and EverQuest, all had recurring service fees, as did many games that came after, such as Final Fantasy XI and World of Warcraft.
That model has largely given way to the "freemium" model where the publishers give the game itself away for free, but much of the game's content is locked behind the choice of either extended play times "grinding" for materials, or the option of skipping that grind with a real-money payment.
However, some games have both, and that usually includes the longest-lived and most-successful ones. Sega's ten-year-on Phantasy Star Online 2 is free-to-play, but has extensive cash purchases and also has a "premium" subscription available. In Final Fantasy XIV and the venerable World of Warcraft, the subscription fee is still required despite the presence of a cash shop.
carmeet
Grand Theft Auto Online has a lot of similarities to what we usually think of as qualities of "MMO" games. While it isn't "massively multiplayer" on a local scale—sessions normally include a maximum of 32 players—there are tens of thousands of players online at any given moment. It has named player characters with persistent progress and all of the other things we think of from MMO games: equipment, appearance customization, player housing, difficult multiplayer "raid" events, and so on.
With that context in mind, it probably shouldn't be a surprise that Rockstar is launching a subscription service for GTA Online. It's called GTA+, and it costs $6 a month. Ponying up for the premium subscription earns you a cool $500,000 in the in-game GTA$ currency every month and extra GTA$ on "Shark Cards," as well as exclusive benefits. Here's the list of benefits for the first month: The Principe Deveste Eight — along with a complimentary Hao’s Special Works upgrade for it before it is made available to purchase by the general public — plus the HSW Orange Trip and HSW CMYK Glitch Liveries. The Auto Shop located in La Mesa, introduces an assortment of gameplay updates from Los Santos Tuners. Current Auto Shop owners can relocate to La Mesa at no additional cost. Waived LS Car Meet Membership fees. Current LS Car Meet members with GTA+ will be reimbursed GTA$50,000 during this event period. Yacht owners can upgrade to the Aquarius Super Yacht at no additional cost. The Gussét Frog Tee and Broker Prolaps Basketball Top and Shorts automatically added to your wardrobe. The Conveyor Livery for the Mammoth Avenger, HVY APC, and TM-02 Khanjali. A selection of free paints and emblems for the Auto Shop. 3X GTA$ and RP on Hao’s Special Works Race Series. 2X Car Meet Rep on the Street Race Series. It would be easy to criticize Rockstar for this move because the company has already taken $60 of your money for the game. That's to say nothing of the grind-heavy nature of GTA Online that practically forces players to purchase Shark Cards for in-game currency if they want to make progress at any kind of reasonable rate. There's also the fact that the company is charging money for what is honestly an extremely minor update on the current-generation consoles.
In the interest of fairness, though, we'll note that many players who bought GTA V (including GTA Online) purchased it nearly a decade ago. Just like other major online games, GTA Online has seen years of additional content and improvements through continual updates, and that stuff does cost money to create.
deveste eight The Principe Deveste Eight, one of the rewards for subscribing this month.
If you own GTA V, you don't actually have to pay Rockstar anything to play it for the rest of eternity, so giving players an option to spend a little every month to support continued development is fair. However, the list of benefits, at least for the first month, is pretty weak.
There's another caveat, too: this program is only available to players on the PlayStation 5 and Xbox Series consoles. We've asked Rockstar if GTA+ will be coming to the PC version, and will update this post if we get a response.
submitted by StepwiseUndrape574 to gta5_moddedaccounts_ [link] [comments]
That model has largely given way to the "freemium" model where the publishers give the game itself away for free, but much of the game's content is locked behind the choice of either extended play times "grinding" for materials, or the option of skipping that grind with a real-money payment.
However, some games have both, and that usually includes the longest-lived and most-successful ones. Sega's ten-year-on Phantasy Star Online 2 is free-to-play, but has extensive cash purchases and also has a "premium" subscription available. In Final Fantasy XIV and the venerable World of Warcraft, the subscription fee is still required despite the presence of a cash shop.
carmeet
Grand Theft Auto Online has a lot of similarities to what we usually think of as qualities of "MMO" games. While it isn't "massively multiplayer" on a local scale—sessions normally include a maximum of 32 players—there are tens of thousands of players online at any given moment. It has named player characters with persistent progress and all of the other things we think of from MMO games: equipment, appearance customization, player housing, difficult multiplayer "raid" events, and so on.
With that context in mind, it probably shouldn't be a surprise that Rockstar is launching a subscription service for GTA Online. It's called GTA+, and it costs $6 a month. Ponying up for the premium subscription earns you a cool $500,000 in the in-game GTA$ currency every month and extra GTA$ on "Shark Cards," as well as exclusive benefits. Here's the list of benefits for the first month: The Principe Deveste Eight — along with a complimentary Hao’s Special Works upgrade for it before it is made available to purchase by the general public — plus the HSW Orange Trip and HSW CMYK Glitch Liveries. The Auto Shop located in La Mesa, introduces an assortment of gameplay updates from Los Santos Tuners. Current Auto Shop owners can relocate to La Mesa at no additional cost. Waived LS Car Meet Membership fees. Current LS Car Meet members with GTA+ will be reimbursed GTA$50,000 during this event period. Yacht owners can upgrade to the Aquarius Super Yacht at no additional cost. The Gussét Frog Tee and Broker Prolaps Basketball Top and Shorts automatically added to your wardrobe. The Conveyor Livery for the Mammoth Avenger, HVY APC, and TM-02 Khanjali. A selection of free paints and emblems for the Auto Shop. 3X GTA$ and RP on Hao’s Special Works Race Series. 2X Car Meet Rep on the Street Race Series. It would be easy to criticize Rockstar for this move because the company has already taken $60 of your money for the game. That's to say nothing of the grind-heavy nature of GTA Online that practically forces players to purchase Shark Cards for in-game currency if they want to make progress at any kind of reasonable rate. There's also the fact that the company is charging money for what is honestly an extremely minor update on the current-generation consoles.
In the interest of fairness, though, we'll note that many players who bought GTA V (including GTA Online) purchased it nearly a decade ago. Just like other major online games, GTA Online has seen years of additional content and improvements through continual updates, and that stuff does cost money to create.
deveste eight The Principe Deveste Eight, one of the rewards for subscribing this month.
If you own GTA V, you don't actually have to pay Rockstar anything to play it for the rest of eternity, so giving players an option to spend a little every month to support continued development is fair. However, the list of benefits, at least for the first month, is pretty weak.
There's another caveat, too: this program is only available to players on the PlayStation 5 and Xbox Series consoles. We've asked Rockstar if GTA+ will be coming to the PC version, and will update this post if we get a response.
2023.03.30 17:52 spekai Is OfferDeal legit?
Hey guys I’m currently in the process or getting my real estate license (in Texas) and I saw this post on Indeed about a job opportunity that doesn’t require a license but has a 70k-200k salary and is also remote. That’s pretty good for me considering at the moment I’m working two minimum wage jobs and am a full time university student. The company is called OfferDeal and its main headquarters is in Georgia by Athens. It’s a wholesaling company but they require $87 a month on resources such as CallRail and Slack which is a lot for me at the moment. I tried researching them online but found nothing, not even a website. Maybe I’m just not researching hard enough. I’m willing to try and cover the monthly fee and put effort into really making this work, but I just wanted to ask people in here who may have worked with them or heard about them before, are they legit? Thanks guys :)!
Tl:Dr- Is OfferDeal located in Georgia a real and good company?
submitted by spekai to RealEstate [link] [comments]
Tl:Dr- Is OfferDeal located in Georgia a real and good company?
2023.03.30 17:30 Snoo34578 AITA for not wanting to take out a mortgage for my immigrant parents?
My parents are leaving a totalitarian country to come closer to me here in US. Instead of renting out, they'd like to take out a mortgage and pay into their own place. Half way into looking for an apartment the country they are from gets flagged as sanctioned and they no longer take any loan out. They want me to take out a mortgage on my name instead (Im a citizen, my credit is great so it works out to a better rate after all).
The plan is - they have enough for 25% down payment and funds to last through three years of mortgage payments. During that time they are planning to learn the language and get a job to continue keeping up with payments.
I originally said ye wanting to truly help them. The more I look into taking out my first mortgage for a place im not even living in (meaning im still gonna be renting in a state where my job is) the more it scares me.
I help my parents for months now with everything- real estate search, agents, broker, translating everything etc etc. Its like im immigrating all over again, and yet i help everywhere i can because i love them and they never did me wrong in life. Now looking into mortgage, I have doubts (a month after saying yes ill do it) so of course I wrote everything down for them and after a week of sleepless nights trying to wrestle with not offending them, I sent my questions out.
My debt to income ratio will be maxed out, how would i later get a mortgage of my own place? You both are at your 50s, if anything happens im stuck with a payment for years and years? If nothing happens hopefully, are you planing to work till you are 80yo to keep up with payments?
To my shock, i got a big message from my dad (that doesn't speak that much usually) on how they've always been so great to me, they did their job as parents and now its time for me to do my job as a kid. He brought up my moms breast cancer saying he doesn't know how much she has left and he wants her to live a happy remainder of her life in their own place (that one really struck me deep, I felt truly terrible for even bringing anything up).
I took a couple days to distance and digest what actually happened. I do not think mortgage like that is the right decision for me (im 25 and just started feel ok financially after immigrating myself). But i love them so much and would die for them tomorrow if asked. Im shocked they try to guilt me into taking out so much debt, but im not sure if i would forgive myself if anything happens to them and i didn't give them a good home when i could.
Am i the asshole for thinking it's all a bad idea?
submitted by Snoo34578 to AmItheAsshole [link] [comments]
The plan is - they have enough for 25% down payment and funds to last through three years of mortgage payments. During that time they are planning to learn the language and get a job to continue keeping up with payments.
I originally said ye wanting to truly help them. The more I look into taking out my first mortgage for a place im not even living in (meaning im still gonna be renting in a state where my job is) the more it scares me.
I help my parents for months now with everything- real estate search, agents, broker, translating everything etc etc. Its like im immigrating all over again, and yet i help everywhere i can because i love them and they never did me wrong in life. Now looking into mortgage, I have doubts (a month after saying yes ill do it) so of course I wrote everything down for them and after a week of sleepless nights trying to wrestle with not offending them, I sent my questions out.
My debt to income ratio will be maxed out, how would i later get a mortgage of my own place? You both are at your 50s, if anything happens im stuck with a payment for years and years? If nothing happens hopefully, are you planing to work till you are 80yo to keep up with payments?
To my shock, i got a big message from my dad (that doesn't speak that much usually) on how they've always been so great to me, they did their job as parents and now its time for me to do my job as a kid. He brought up my moms breast cancer saying he doesn't know how much she has left and he wants her to live a happy remainder of her life in their own place (that one really struck me deep, I felt truly terrible for even bringing anything up).
I took a couple days to distance and digest what actually happened. I do not think mortgage like that is the right decision for me (im 25 and just started feel ok financially after immigrating myself). But i love them so much and would die for them tomorrow if asked. Im shocked they try to guilt me into taking out so much debt, but im not sure if i would forgive myself if anything happens to them and i didn't give them a good home when i could.
Am i the asshole for thinking it's all a bad idea?
2023.03.30 16:51 StepwiseUndrape574 Rockstar Launches GTA+ Subscription Service With Member Exclusive Benefits But Is It Worth It?
Once upon a time, it was commonplace for online games to have subscription fees. The earliest popular graphical online games, including Ultima Online and EverQuest, all had recurring service fees, as did many games that came after, such as Final Fantasy XI and World of Warcraft.
That model has largely given way to the "freemium" model where the publishers give the game itself away for free, but much of the game's content is locked behind the choice of either extended play times "grinding" for materials, or the option of skipping that grind with a real-money payment.
However, some games have both, and that usually includes the longest-lived and most-successful ones. Sega's ten-year-on Phantasy Star Online 2 is free-to-play, but has extensive cash purchases and also has a "premium" subscription available. In Final Fantasy XIV and the venerable World of Warcraft, the subscription fee is still required despite the presence of a cash shop.
carmeet
Grand Theft Auto Online has a lot of similarities to what we usually think of as qualities of "MMO" games. While it isn't "massively multiplayer" on a local scale—sessions normally include a maximum of 32 players—there are tens of thousands of players online at any given moment. It has named player characters with persistent progress and all of the other things we think of from MMO games: equipment, appearance customization, player housing, difficult multiplayer "raid" events, and so on.
With that context in mind, it probably shouldn't be a surprise that Rockstar is launching a subscription service for GTA Online. It's called GTA+, and it costs $6 a month. Ponying up for the premium subscription earns you a cool $500,000 in the in-game GTA$ currency every month and extra GTA$ on "Shark Cards," as well as exclusive benefits. Here's the list of benefits for the first month: The Principe Deveste Eight — along with a complimentary Hao’s Special Works upgrade for it before it is made available to purchase by the general public — plus the HSW Orange Trip and HSW CMYK Glitch Liveries. The Auto Shop located in La Mesa, introduces an assortment of gameplay updates from Los Santos Tuners. Current Auto Shop owners can relocate to La Mesa at no additional cost. Waived LS Car Meet Membership fees. Current LS Car Meet members with GTA+ will be reimbursed GTA$50,000 during this event period. Yacht owners can upgrade to the Aquarius Super Yacht at no additional cost. The Gussét Frog Tee and Broker Prolaps Basketball Top and Shorts automatically added to your wardrobe. The Conveyor Livery for the Mammoth Avenger, HVY APC, and TM-02 Khanjali. A selection of free paints and emblems for the Auto Shop. 3X GTA$ and RP on Hao’s Special Works Race Series. 2X Car Meet Rep on the Street Race Series. It would be easy to criticize Rockstar for this move because the company has already taken $60 of your money for the game. That's to say nothing of the grind-heavy nature of GTA Online that practically forces players to purchase Shark Cards for in-game currency if they want to make progress at any kind of reasonable rate. There's also the fact that the company is charging money for what is honestly an extremely minor update on the current-generation consoles.
In the interest of fairness, though, we'll note that many players who bought GTA V (including GTA Online) purchased it nearly a decade ago. Just like other major online games, GTA Online has seen years of additional content and improvements through continual updates, and that stuff does cost money to create.
deveste eight The Principe Deveste Eight, one of the rewards for subscribing this month.
If you own GTA V, you don't actually have to pay Rockstar anything to play it for the rest of eternity, so giving players an option to spend a little every month to support continued development is fair. However, the list of benefits, at least for the first month, is pretty weak.
There's another caveat, too: this program is only available to players on the PlayStation 5 and Xbox Series consoles. We've asked Rockstar if GTA+ will be coming to the PC version, and will update this post if we get a response.
submitted by StepwiseUndrape574 to gta5_moddedaccounts_ [link] [comments]
That model has largely given way to the "freemium" model where the publishers give the game itself away for free, but much of the game's content is locked behind the choice of either extended play times "grinding" for materials, or the option of skipping that grind with a real-money payment.
However, some games have both, and that usually includes the longest-lived and most-successful ones. Sega's ten-year-on Phantasy Star Online 2 is free-to-play, but has extensive cash purchases and also has a "premium" subscription available. In Final Fantasy XIV and the venerable World of Warcraft, the subscription fee is still required despite the presence of a cash shop.
carmeet
Grand Theft Auto Online has a lot of similarities to what we usually think of as qualities of "MMO" games. While it isn't "massively multiplayer" on a local scale—sessions normally include a maximum of 32 players—there are tens of thousands of players online at any given moment. It has named player characters with persistent progress and all of the other things we think of from MMO games: equipment, appearance customization, player housing, difficult multiplayer "raid" events, and so on.
With that context in mind, it probably shouldn't be a surprise that Rockstar is launching a subscription service for GTA Online. It's called GTA+, and it costs $6 a month. Ponying up for the premium subscription earns you a cool $500,000 in the in-game GTA$ currency every month and extra GTA$ on "Shark Cards," as well as exclusive benefits. Here's the list of benefits for the first month: The Principe Deveste Eight — along with a complimentary Hao’s Special Works upgrade for it before it is made available to purchase by the general public — plus the HSW Orange Trip and HSW CMYK Glitch Liveries. The Auto Shop located in La Mesa, introduces an assortment of gameplay updates from Los Santos Tuners. Current Auto Shop owners can relocate to La Mesa at no additional cost. Waived LS Car Meet Membership fees. Current LS Car Meet members with GTA+ will be reimbursed GTA$50,000 during this event period. Yacht owners can upgrade to the Aquarius Super Yacht at no additional cost. The Gussét Frog Tee and Broker Prolaps Basketball Top and Shorts automatically added to your wardrobe. The Conveyor Livery for the Mammoth Avenger, HVY APC, and TM-02 Khanjali. A selection of free paints and emblems for the Auto Shop. 3X GTA$ and RP on Hao’s Special Works Race Series. 2X Car Meet Rep on the Street Race Series. It would be easy to criticize Rockstar for this move because the company has already taken $60 of your money for the game. That's to say nothing of the grind-heavy nature of GTA Online that practically forces players to purchase Shark Cards for in-game currency if they want to make progress at any kind of reasonable rate. There's also the fact that the company is charging money for what is honestly an extremely minor update on the current-generation consoles.
In the interest of fairness, though, we'll note that many players who bought GTA V (including GTA Online) purchased it nearly a decade ago. Just like other major online games, GTA Online has seen years of additional content and improvements through continual updates, and that stuff does cost money to create.
deveste eight The Principe Deveste Eight, one of the rewards for subscribing this month.
If you own GTA V, you don't actually have to pay Rockstar anything to play it for the rest of eternity, so giving players an option to spend a little every month to support continued development is fair. However, the list of benefits, at least for the first month, is pretty weak.
There's another caveat, too: this program is only available to players on the PlayStation 5 and Xbox Series consoles. We've asked Rockstar if GTA+ will be coming to the PC version, and will update this post if we get a response.
2023.03.30 16:43 austinmodssuck Only carrying $3000 of Dwelling Coverage A: Is this normal?
I purchased a condo in Summer 2020, which is the first and only property I've owned. My real estate agent (or maybe mortgage broker, I don't remember) recommended several insurance options, and I went with the one that was by far the cheapest (through Goosehead Insurance), which I've kept ever since.
I've generally been unhappy with their customer service, so when I recently got a new car, I used my credit union's insurance services to get quotes for car insurance, and went ahead and also got quotes for condo insurance to see if I could get a better price.
I was surprised that the rate they quoted was about 3 times as high as the rate I'm currently paying, so I carefully compared the coverage, and found that I only have $3000 per claim of Dwelling Coverage A. While my HOA covers the building itself, there's no way I could replace the flooring, drywall, plumbing, and other interior fixtures for anywhere near $3000.
It's on me for not closely comparing the quotes when I initially bought the condo, and I guess in retrospect the huge difference in price between the one I bought and the other options should have been a red flag. But I'm kind of shocked that they would even offer such insufficient coverage, and I'm very relieved I haven't needed to use it so far. Is this kind of thing normal, or did they screw up something when I first signed up?
submitted by austinmodssuck to Insurance [link] [comments]
I've generally been unhappy with their customer service, so when I recently got a new car, I used my credit union's insurance services to get quotes for car insurance, and went ahead and also got quotes for condo insurance to see if I could get a better price.
I was surprised that the rate they quoted was about 3 times as high as the rate I'm currently paying, so I carefully compared the coverage, and found that I only have $3000 per claim of Dwelling Coverage A. While my HOA covers the building itself, there's no way I could replace the flooring, drywall, plumbing, and other interior fixtures for anywhere near $3000.
It's on me for not closely comparing the quotes when I initially bought the condo, and I guess in retrospect the huge difference in price between the one I bought and the other options should have been a red flag. But I'm kind of shocked that they would even offer such insufficient coverage, and I'm very relieved I haven't needed to use it so far. Is this kind of thing normal, or did they screw up something when I first signed up?
2023.03.30 16:39 Jaded_Strain_1226 6 Technologies that will Impact the Future of Trucking
"…cars and trucks in which human drivers are never required to take control to safely operate the vehicle. Also known as autonomous or ‘driverless’ cars, they combine sensors and software to control, navigate, and drive the vehicle."
—Union of Concern Scientists, USA (USCUSA)
Is this what the future of trucking looks like?
For a few years, electric trucks were mainly being worked on by startup companies, while the large tech companies were mostly silent on the issue. This all changed around 2017. Tesla unveiled its all-electric autonomous truck in 2017 and the early customers of this product are Walmart, UPS and PepsiCo. Then, Daimler unveiled the electric siblings of their most popular trucks, Cascadia and M2 as eCascadia and eM2 in 2018. At the ACT Expo in 2018, Roger Nielson, the CEO of Daimler Trucks, said that the time has come to contemplate the post-internal combustion engine. The production of Daimler electric trucks will begin in 2021. In April 2019, the Nikola Motor Company, a tech startup unveiled its semi-truck powered by hydrogen fuel cells. Anheuser Busch, a beer making company has planned to buy 800 units of Nikola’s hydrogen fuel powered semi-truck.
Uber has also acquired a startup company, Otto which is working on autonomous trucks. In October, 2018 Otto completed the first shipment in the world from a self-driven truck. The cargo hauled by it contained 51,744 cans of Budweiser.
📷
Any technological advancement requires large investments. According to a report from CB Insights, $2 billion has been invested in startup trucking companies as of 21st May, 2019. The investments in tech startups jumped a huge leap from $114 million in 2014 to $3.6 billion in 2018. The growing interest in the future of trucking has increased the scale of investments. The costs of electric trucks are quite higher than that of a diesel truck. Nielson went on to say that the business scenario at present will not allow a sane fleet operator to buy an electric truck. The industry needs to find ways to carry on research and make batteries that are half the current size and price. Also, it must double the energy density. In the meantime, partnerships and grants can make production of electric trucks possible.
The 6 major technologies that may impact the future of trucking are:
Electric Trucks
Autonomous Vehicles
Platooning
Shipper Platforms
Blockchain Trucking
Artificial Intelligence
Since trucks were first used in the late nineteenth century, they have come a long way. The future seems quite exciting as truck manufacturing companies are aiming to build electronic and autonomous trucks. Trucking had altered the way America did business and a lot is set to change in the coming years as well. With Tesla, Volvo, Daimler and other truck giants about to launch electric trucks in a few years, the future of trucking never seemed so promising and exciting.
Of the many companies that produced and sold electrical vehicles, Baker Electric, Detroit Electric and Columbia Electric were quite notable.
In 1913, Henry Ford introduced a line of gasoline-powered vehicles. These vehicles were mass produced which lowered the price. Gasoline vehicles became more and more popular. The electrical vehicles began to lose ground, only to come back with a bang after nearly a century.
There are a number of reasons behind the growing popularity of electric vehicles:
📷
At the CES electronics show in Las Vegas on 7th January, 2019, Daimler trucks announced that it will invest more than half a billion dollars and create 200 new jobs in its global endeavor to launch Stage 4 or highly automated trucks in about 10 years. The switch from Stage 2 to Stage 4 is natural and hence the step of conditional automation is being skipped as according to Daimler, conditional automation will not provide any extra advantage to the truck drivers. In the 3rd stage of automated driving, drivers can go about doing other work but have to take immediate control if the system cannot tackle the situation. The mental and physical switch from leisure to prompt action may not be as quick as required thus, it is judicious to skip the Stage 3 altogether. Additionally, Stage 4 will ensure optimal utilization of the trucks. They will be able to travel at night and avoid traffic congestion by smart route management. Future of trucking is looking very promising with autonomous vehicles.
The features of Platooning system by Peloton Technology:
📷
However, Platooning is not really as fuel-effective as it is being claimed by some. Daimler has said that during testing of the platooning system its fuel savings are less than estimated even in perfect conditions. These savings are further reduced if the platoon is disconnected and have to be accelerated again to get reconnected.
Freight brokerage connects shippers with the appropriate carriers. Recently, technology is playing a role in this aspect as well with Shipper Platforms.
The Trucking business was taken by storm with the introduction of shipper platforms like Uber Freight. Shipper platforms connect shippers with small fleets hauling freight via a load-matching feature. Uber Freight launched its load-booking app in May, 2017. The main intention behind the launch of Uber Freight was automating the manual processes of shipper selection and increasing market visibility. It was also intended to relieve shippers from time consuming legal proceedings and the anxiety of getting the best possible deal. This is one of the many ways on how owner operators can find loads.
The features of Shipper Platforms and how they may impact the future of trucking:
There may also be a few other reasons why Uber Freight has not been fully able to live up to its vision:
Uber Freight is not deterred from their path though, and mentioned recently in 2020 that their focus is still there to grow the Uber Freight business.
Amazon has also launched its own freight app, ‘Amazon Freight’. Amazon Freight was released quite quietly some time in 2016 or 2017. This app allows truck drivers to take up jobs of hauling Amazon packages in Prime-branded trailers across the country.
Fleets can sign up through the website and hauling assignments get allotted accordingly. There are a few requirements which drivers have to fulfill:
Amazon launched its freight app ‘Relay’ in 2018. It operates in 5 states—Connecticut, New Jersey, Maryland, New York and Pennsylvania. Its aim is to give truckers additional freight information. It has features like route tracking and expedited checking procedures at the warehouses. It has been designed to help truckers get faster entry and exit at the Amazon warehouses. It is Amazon’s first attempt at automating the truck delivery process.
How does the Relay work?
In these 3 steps:
📷
Amazon also intends to build an app like Uber Freight that will match cargo shippers with truck drivers.
The whole community associated with the blockchain will be able to validate the data entered by an organization as blockchain technology is an open-to-all ledger. It leaves no room for speculation, assumption and data falsity. Hence, a holistic trucking ecosystem can be developed through a blockchain network. After all, organizations can be rest assured that the data they have been provided is authentic and validated.
The trucking industry largely depends on paperwork. Due to this, administration and processing costs have gone up to 20%. However, blockchain technology allows the sharing and easy distribution of documents on the open ledger. This sharing facility makes paperwork between shippers and carriers quite unimportant. Easing out the hassles of documentation will make payments possible in less time.
Some trucks, especially refrigerated ones, carry medical shipments. These are at times detained at customs for large periods of time. This mostly happens when trucks exceed the allowed range of temperature. A blockchain enabled refrigerated truck-trailer made by the Swiss Tech company, SkyCell, lowered the temperature-deviated rate to less than 0.1%. With the use of smart approvals, clearance at the customs checkpoints can be made smoother and more efficient. Moreover, a refrigerated trailer has to be closely recorded at every step. It has to pass through more than 30 organizations which require more than 200 different pieces of information. Any miscommunication can either delay the shipment or the shipper may lose track of it. A blockchain network will ensure that communication at every step is clearly noted. This ensures the shipment reaches the respective facility on time.
The e-commerce industry has developed in such a pace that same-day and 2-hour delivery options are provided to customers. For a parcel to be delivered in the same day or in 2 hours, the technology should not have any glitch. The traditional trucking technology largely relies on paperwork at every stop can not be suitable for such a fast-paced delivery. The blockchain technology with its immediate access to order tracking and authentication ensures that the delivery takes place in the required time.
At times, trucking companies order spare truck parts and also old trucks. The tracking of these spare parts or old trucks can be pretty exhausting as no proper forum is provided for constant tracking. However, the blockchain network will enable the efficient tracking of the supply chain as well.
These are the different ways that blockchain can impact the future of the trucking industry:
📷
In order to ensure consistent improvement in trucking operations, authentic data has to be provided to transportation companies. EDI or electronic data interchange and API or application program interface leaves room for data manipulation or misinterpretation. Blockchain has the backup of the entire network to contribute information and authenticate the data. Hence, there is no scope of data tampering. Blockchain also improves the efficiency of temperature controlled and refrigerated trucking which is reliant on on-time delivery by giving data backup at every step.
Those are a list of some potential benefits. The largest blockchain network at present is by the Blockchain in Trucking Alliance (BiTA). Its current members have exceeded 1000 in number. The members include mcCleod Software, UPS, DAT, Salesforce, Don Hummer trucking, Transfix. BiTA members are taking part in nearly 85% truck-related global transactions. Its blockchain standards have brought a uniformity and efficiency in the trucking community. Sweetbridge is another blockchain based technology that seeks to take care of the significant inefficiencies of the supply chain across the world. Some major problems it addresses are — supply chain operations, supply chain flexibility and supply chain liquidity.
The blockchain revolution has just begun. It must also be taken into account that to use a blockchain system, the trucking or shipper company must have the adequate resources like the required hardware and software, along with the technological know-how. In spite of all the speculated downsides, blockchain seems like a wonderful solution for many trucking problems. It must be nurtured with time and technical advancement. In the coming years, the trucking industry’s profitability and efficiency will reach new heights if blockchain trucking’s functionality continues along the same graph.
Some of the key ways in which AI can affect the trucking space are:
📷
With all the new technological advancements and more to follow, the future of trucking indeed looks promising and exciting. We are also a technology provider in this space and are always looking for ways to improve the life of truck drivers through technology. You can learn more about us - ELD Mandate.
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—Union of Concern Scientists, USA (USCUSA)
Is this what the future of trucking looks like?
For a few years, electric trucks were mainly being worked on by startup companies, while the large tech companies were mostly silent on the issue. This all changed around 2017. Tesla unveiled its all-electric autonomous truck in 2017 and the early customers of this product are Walmart, UPS and PepsiCo. Then, Daimler unveiled the electric siblings of their most popular trucks, Cascadia and M2 as eCascadia and eM2 in 2018. At the ACT Expo in 2018, Roger Nielson, the CEO of Daimler Trucks, said that the time has come to contemplate the post-internal combustion engine. The production of Daimler electric trucks will begin in 2021. In April 2019, the Nikola Motor Company, a tech startup unveiled its semi-truck powered by hydrogen fuel cells. Anheuser Busch, a beer making company has planned to buy 800 units of Nikola’s hydrogen fuel powered semi-truck.
Uber has also acquired a startup company, Otto which is working on autonomous trucks. In October, 2018 Otto completed the first shipment in the world from a self-driven truck. The cargo hauled by it contained 51,744 cans of Budweiser.
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Any technological advancement requires large investments. According to a report from CB Insights, $2 billion has been invested in startup trucking companies as of 21st May, 2019. The investments in tech startups jumped a huge leap from $114 million in 2014 to $3.6 billion in 2018. The growing interest in the future of trucking has increased the scale of investments. The costs of electric trucks are quite higher than that of a diesel truck. Nielson went on to say that the business scenario at present will not allow a sane fleet operator to buy an electric truck. The industry needs to find ways to carry on research and make batteries that are half the current size and price. Also, it must double the energy density. In the meantime, partnerships and grants can make production of electric trucks possible.
The 6 major technologies that may impact the future of trucking are:
Electric Trucks
Autonomous Vehicles
Platooning
Shipper Platforms
Blockchain Trucking
Artificial Intelligence
Electric Trucks - Future
The depletion of the conventional sources of energy have made researchers seek alternative sources to power vehicles. Additionally, vehicles need to be designed and structured in such a way that is compatible with alternative sources of energy. Thus, conservation of nature has been a driving concern behind a lof of the recent innovations.Since trucks were first used in the late nineteenth century, they have come a long way. The future seems quite exciting as truck manufacturing companies are aiming to build electronic and autonomous trucks. Trucking had altered the way America did business and a lot is set to change in the coming years as well. With Tesla, Volvo, Daimler and other truck giants about to launch electric trucks in a few years, the future of trucking never seemed so promising and exciting.
A Brief History of Electric Trucks
The first crude yet viable electric motor which could power a tiny car was built by ÁnyosJedik, a Hungarian priest in 1827. 28% of vehicles running on American roads in 1900 was actually powered by electricity. Milburn electrics was the vehicle used by President Woodrow Wilson and his team of secret service agents to travel around Washington, DC. Once charged, the vehicle could travel a distance of approximately 60-70 miles. Though, initially electric vehicles did not have rechargeable batteries. The first electric carriage was invented somewhere around 1832-1839 in Scotland by Robert Anderson. It ran on primary cells which were non-rechargeable. The nickel-iron battery was one of the kinds of rechargeable batteries.Of the many companies that produced and sold electrical vehicles, Baker Electric, Detroit Electric and Columbia Electric were quite notable.
Why did electric vehicles lose their prominence?
Cars powered by internal combustion became cheaper. Also large petroleum reserves were found in Oklahoma, California and Texas. Additionally, roads outside urban areas began to improve. Due to the availability of better roads, cars with internal combustion engines became a more popular choice.In 1913, Henry Ford introduced a line of gasoline-powered vehicles. These vehicles were mass produced which lowered the price. Gasoline vehicles became more and more popular. The electrical vehicles began to lose ground, only to come back with a bang after nearly a century.
Why do Electric vehicles seem like a promising option in the present day?
📷There are a number of reasons behind the growing popularity of electric vehicles:
Can use electricity generated by non-conventional sources
Electrical vehicles need electricity to recharge batteries. Apart from fossil fuels, this electricity can also be generated from renewable sources like solar, wind and tidal energy.Leaking oil from conventional engines
The conventional engine may leak oil. If not detected in time, this can lead to damages. Electric vehicles do not have this fear as they run on rechargeable batteries.Regenerative braking
Regenerative braking is one of the key advantages of plug-in or hybrid electric vehicles. In a hybrid vehicle a conventional way of propulsion is often merged with an electric one. This braking system helps an electric vehicle gain back the kinetic energy which is usually lost as heat during friction braking. This recovered kinetic energy can be stored in the vehicle’s battery as electricity and give a small recharge in that way.A step towards autonomous driving
It is an easier integration for full self-driving capabilities to happen with an electric vehicle rather than a traditional engine.Less noise while operating
Vehicles that run on electricity cause less noise in comparison to a combustion engine. Emitting less noise means that a truck can run in suburban areas at night without causing any disturbance.Fewer service and maintenance needs
Electric vehicles have fewer service and maintenance needs. This is because there are 30% fewer movable parts as compared to a conventional vehicle with a combustible engine.No tailpipe emissions
As electric vehicles do not run on conventional sources of energy like fossil fuels, there is no smoke emission. Hence, it can be driven in environmental zones as well.Energy efficient
As electric trucks use rechargeable batteries to function, the energy consumption of the truck is maximized.Types of Electric Vehicles available
Electric vehicles can recharge batteries from a number of energy sources:- Fossil fuel
- Nuclear energy
- Solar energy
- Wind energy
- Tidal energy
- HEV or Hybrid Electric Vehicle
- PHEV or Plug-in Electric Vehicle
- BEV or Battery Electric Vehicle
- FHEV or Fuel Cell Electric Vehicle
HEV or Hybrid Electric Vehicle
Instead of using only a traditional engine, a HEV or Hybrid Electric Vehicle, adds to the engine an electrical option. By using regenerative brakes, HEVs convert kinetic energy into electric energy as mentioned above. These vehicles use both electric energy and use gas or diesel to operate.PHEV or Plug-in Electric Vehicle
A hybrid electric vehicle which has a battery that has the option of being recharged by plugging it into an external source of energy is called PHEV or Plug-in Electric Vehicle. These vehicles use electricity for short distances. When the battery is over, the driver can switch over to the conventional combustion engine. This type of vehicle allows the driver flexibility that ensures high fuel and energy utilization. The use of electric energy to run the vehicle saves fuel costs. The emissions from the tailpipe are also minimized.BEV or Battery Electric Vehicle
This type of vehicle uses chemical energy stored in its rechargeable batteries. This is a pure electric vehicle. Being battery operated, BEV vehicles do not have a combustion engine. Instead, it uses electric motors along with motor controllers.FHEV or Fuel Cell Electric Vehicle
This type of vehiclehas an electric motor, that is recharged by the chemical reaction of oxygen and hydrogen. It is true that some emissions are created while the hydrogen is produced for the fuel cells. However, water is the only waste product while an FHEV is driven.Autonomous Vehicles
The advancement of electrical vehicles in recent years calls for another futuristic feature in trucking: autonomous driving. The concept of autonomous driving began with the notion of ‘driver assistance’ or ‘assisted driving’. It aims to have completely driverless vehicles or a vehicle where the people inside are passengers. Undoubtedly, the concept of autonomous driving demands an advanced technology with superior sensors. P C Mag has defined an autonomous car as, “A computer-controlled car that drives itself.” Autonomous trucks can save a lot of money too. Morgan Stanley estimates that if American trucks are made autonomous, $168 billion can be saved each year. Though, we are still many years away from full autonomous driving as of now. Autonomous driving has been set to five stages. The fifth stage is considered the most technically and mechanically advanced one:📷
Stage 0 – No Automation
Vehicles controlled by human drivers and without any sort of support from computerized driver assistance system is considered stage 0 or ‘No Automation’.Stage 1 – Driver Assistance
Vehicles in ‘Driver assistance’ level or stage 1 are jointly controlled by the driver and a computerized automated system. There are a number of ways in which this system can work. A driver usually always controls the steering, while the automated system may have certain control over the brakes and speed of the vehicle when required. At times the engine power is controlled by the automated system which ensures that the vehicle can maintain a specific speed. At times parking assistance is also available with this automated system. Here, the speed of the vehicle is controlled manually while the steering is done automatically. However, the driver has to be alert and ready to take up the control if any problem arises. This type of driving is also called ‘hands on’ driving.Stage 2 – Partly Automated Driving
In stage 2 or the ‘Partly Automated Driving’ level, the driver monitors the driving process while it is conducted by the automated system. If in any situation or condition, the automated system cannot do its job or fails to respond, the driver has to take up manual controls immediately. This stage is at times called ‘hands off’. In this stage it is mandatory for the driver to keep hands on the steering wheel at all times. This mandate is for safety purposes. Having the driver constantly holding the steering wheel means that immediate manual control of the vehicle can be taken up during any situation.Stage 3 – Highly Automated Driving
The ‘Highly Automated Driving’ level is commonly called ‘eyes off’ level. This means that the driver is not required to constantly monitor the driving or look at the road ahead. The automated system will be able to perform on its own and without any human interference. If any problem occurs, automatically the emergency brakes are applied. Though the driver can usually do personal work while the vehicle is on the road, during adverse or critical conditions human intervention may be required. These situations will be specified by the manufacturer before-hand.Stage 4- Fully Automated Driving
In the ‘Fully Automated Driving’ the human driver is allowed to take their ‘mind off’ in most of the situations. The driver may sleep or do other work in other part of the vehicle as the vehicle is capable to look after its own safety. This type of vehicle is capable of completing the journey and park itself. However, during traffic jams (which falls under ‘special circumstances’ category) or tight-spaced areas, the vehicle has to be operated by a human driver.Stage 5- Full Automation
In a vehicle having ‘Full Automation’, the steering wheel is optional. Hence, it does not require any human intervention for any aspect related to driving. Through this type of vehicle, full automation is achieved.What is our present stage in Truck automation?
Volvo’s VNL and Pleton’s Platooning System are examples of trucks that are available in the trucking market today that have Stage 1 automation. Under the Stage 2 automated truck category, the new 2020 Cascadia will be the first truck in Northern America according to Freightliner. It will begin production from July, 2019. Embark and Starsky Robotics are the two other Stage 2 automated trucks that will be available in the future but at present are in pre-commercial stage. Freightliner Inspiration and Uber Otto are trucks that fulfill the criteria of the Stage 3 automation. However, at present they are only available in prototype retrofits. The Freightliner Inspiration was the first automated truck to be licensed to operate on the highways of the country back in 2015.At the CES electronics show in Las Vegas on 7th January, 2019, Daimler trucks announced that it will invest more than half a billion dollars and create 200 new jobs in its global endeavor to launch Stage 4 or highly automated trucks in about 10 years. The switch from Stage 2 to Stage 4 is natural and hence the step of conditional automation is being skipped as according to Daimler, conditional automation will not provide any extra advantage to the truck drivers. In the 3rd stage of automated driving, drivers can go about doing other work but have to take immediate control if the system cannot tackle the situation. The mental and physical switch from leisure to prompt action may not be as quick as required thus, it is judicious to skip the Stage 3 altogether. Additionally, Stage 4 will ensure optimal utilization of the trucks. They will be able to travel at night and avoid traffic congestion by smart route management. Future of trucking is looking very promising with autonomous vehicles.
Platooning in Trucks
Another trucking innovation in the near future is platooning. Platooning is the coupling of two or more trucks to form a convoy through the use of automated driving support system and connectivity technology. The ways in which platooning works is:- The trucks maintain a set automatically.
- The space between the trucks is reduced when the trucks are connected to each other during certain parts of the haul. This reduction of gap between the vehicles improves the aerodynamics which in turn improves fuel efficiency.
The features of Platooning system by Peloton Technology:
- In the PlatoonPro system, the driver of the rear truck steers the vehicle.
- The powertrain and brakes are controlled by the PlatoonPro system. This allows the vehicles to follow one another at a small gap.
- According to Peloton Technology, the PlatoonPro system ensures average fuel savings of 7%.
- The Automated Following system is a combination of radar-based active braking and software with vehicle-to-vehicle communication. This allows the human driver to guide the steering, acceleration and braking of the following trucks. The human driver will also be able to connect the trucks’ safety systems with little or no latency.
- According to Peloton Technology, the L4 Automated Following truck will double the freight a truck driver is able to haul in one trip.
Usefulness of platooning
Platooning is said to have a number of benefits for the future of trucking:📷
Improved safety
Truck platooning is said to improve the safety of the convoy as the brakes of all the trucks can be applied automatically and immediately. It has been seen that during truck platooning, automated brakes take one-fifth of the human time to analyze the road condition and apply the brakes.Efficient performance
There can be optimal utilization of roads in the platooning system, increasing the range of the roads and avoiding traffic jams. As a consequence, goods can be delivered quickly and efficiently.Cleaner environment
During truck platooning, the Carbon Dioxide emissions can be reduced along with fuel consumption. The air-drag friction is also considerately reduced as the trucks drive close to one another.However, Platooning is not really as fuel-effective as it is being claimed by some. Daimler has said that during testing of the platooning system its fuel savings are less than estimated even in perfect conditions. These savings are further reduced if the platoon is disconnected and have to be accelerated again to get reconnected.
Shipper Platform: Uber Freight and Amazon Freight
📷Freight brokerage connects shippers with the appropriate carriers. Recently, technology is playing a role in this aspect as well with Shipper Platforms.
The Trucking business was taken by storm with the introduction of shipper platforms like Uber Freight. Shipper platforms connect shippers with small fleets hauling freight via a load-matching feature. Uber Freight launched its load-booking app in May, 2017. The main intention behind the launch of Uber Freight was automating the manual processes of shipper selection and increasing market visibility. It was also intended to relieve shippers from time consuming legal proceedings and the anxiety of getting the best possible deal. This is one of the many ways on how owner operators can find loads.
The features of Shipper Platforms and how they may impact the future of trucking:
- Carriers can book a load with just the click of a button.
- Shippers can instantly connect to a network of drivers and fleets of the Uber network and manage shipments from their office or home.
- Uber freight enables shippers to tender a load with the click of a few buttons saving time and energy.
- Transparency of quotes helps shippers know the marketplace pricing instantly. The Uber Freight’s rates are current on-going marketplace rates which are generated in real-time.
- The vast network of drivers and small fleets with Uber Freight ensures that reliable and appropriate fleets are chosen.
- Shipments can be tracked. For every major milestone, automatic notifications are sent to the shippers.
- Uber Freight’s Uber Freight Plus has a loyalty program. It gives the drivers fuel discounts, servicing discounts, and helps in the purchase of old and new trucks among other features.
- With the completion of the delivery, all the necessary documents are arranged automatically for shippers.
There may also be a few other reasons why Uber Freight has not been fully able to live up to its vision:
Rudimentary features
With the growth of GPS tracking and ELD devices, merely providing shippers the details of the truck’s location is not unique. Shippers also need to know the route the truck is taking and the HOS data.Not so reliable in fleet and driver selection
In Uber Freight there is not a lot of barrier to sign up. All carriers do not have to provide basic requirements like an active DOT/ MC number, proper safety ratings or proof of insurance. A shipper may not feel comfortable about doing business with such carriers.Shortage of drivers
Uber Freight provides drivers a number of perks. In spite of this, driver shortage is quite a problem. Drivers will want a steady job that ensures a good livelihood. Hence, many drivers will prefer to work with a trucking company with regular pay, rather than rely completely on Uber Freight.Focus on shippers rather than carriers
While launching the load-booking app, the shippers’ perspective was given a lot of importance as the price transparency feature shows. However, the carriers are an integral part of the trucking business too. Apart from the loyalty program there has not been a push to ensure that carriers get steady and constant work through Uber Freight.Uber Freight is not deterred from their path though, and mentioned recently in 2020 that their focus is still there to grow the Uber Freight business.
Amazon has also launched its own freight app, ‘Amazon Freight’. Amazon Freight was released quite quietly some time in 2016 or 2017. This app allows truck drivers to take up jobs of hauling Amazon packages in Prime-branded trailers across the country.
Fleets can sign up through the website and hauling assignments get allotted accordingly. There are a few requirements which drivers have to fulfill:
- A fleet should have at least 3 trucks.
- The trucking company should have its own DOT/MC number.
Amazon launched its freight app ‘Relay’ in 2018. It operates in 5 states—Connecticut, New Jersey, Maryland, New York and Pennsylvania. Its aim is to give truckers additional freight information. It has features like route tracking and expedited checking procedures at the warehouses. It has been designed to help truckers get faster entry and exit at the Amazon warehouses. It is Amazon’s first attempt at automating the truck delivery process.
How does the Relay work?
In these 3 steps:
📷
Amazon also intends to build an app like Uber Freight that will match cargo shippers with truck drivers.
Blockchain Trucking
The trucking industry in general has certain inefficiencies. Deals can take time to get finalized. The related paperwork is again, time-consuming and hectic. The trucking industry needs an open platform where shippers and carriers can view each others profile, get the selection process done in less time and get the load rolling. However, how will this be possible? The Blockchain is kindling hopes of achieving a seamless and frictionless trucking system. First, let's understand the basics of blockchain and how it can make the trucking space a community where work can get done more efficiently.What is Blockchain?
Blockchain is an open digital ledger. It is a business network where transactions can be recorded along with tracking of assets. Blockchain technology is inherently based on cryptography, a complicated branch of mathematics. Blockchain is also decentralized. It depends on the consensus of a peer network spread across the world to function. This digital ledger is made up of a series of ‘blocks’. The blocks are the bundles of transactions which are connected together in an open ‘chain’. The data entered in the blockchain is considered to be true and valid. As being a decentralized forum, there is no single authority to verify the facts. Everyone is always on the same page. It is impossible to change or modify the data in a block as that will modify the entire chain and will need consensus from the entire network.The whole community associated with the blockchain will be able to validate the data entered by an organization as blockchain technology is an open-to-all ledger. It leaves no room for speculation, assumption and data falsity. Hence, a holistic trucking ecosystem can be developed through a blockchain network. After all, organizations can be rest assured that the data they have been provided is authentic and validated.
How will blockchain be used in the future of trucking?
The trucking industry can definitely benefit from blockchain technology. One of the obstacles of the trucking industry is that it is largely fragmented. There’s no open knowledge about which shippers are currently looking for carriers or which carriers are open to haul shipments. Blockchains open ledger will open up the trucking industry. One of the problems it will most definitely solve is matching appropriate truckers with shippers. In the longer run blockchain technology can function as an open network for truckers.The trucking industry largely depends on paperwork. Due to this, administration and processing costs have gone up to 20%. However, blockchain technology allows the sharing and easy distribution of documents on the open ledger. This sharing facility makes paperwork between shippers and carriers quite unimportant. Easing out the hassles of documentation will make payments possible in less time.
Some trucks, especially refrigerated ones, carry medical shipments. These are at times detained at customs for large periods of time. This mostly happens when trucks exceed the allowed range of temperature. A blockchain enabled refrigerated truck-trailer made by the Swiss Tech company, SkyCell, lowered the temperature-deviated rate to less than 0.1%. With the use of smart approvals, clearance at the customs checkpoints can be made smoother and more efficient. Moreover, a refrigerated trailer has to be closely recorded at every step. It has to pass through more than 30 organizations which require more than 200 different pieces of information. Any miscommunication can either delay the shipment or the shipper may lose track of it. A blockchain network will ensure that communication at every step is clearly noted. This ensures the shipment reaches the respective facility on time.
The e-commerce industry has developed in such a pace that same-day and 2-hour delivery options are provided to customers. For a parcel to be delivered in the same day or in 2 hours, the technology should not have any glitch. The traditional trucking technology largely relies on paperwork at every stop can not be suitable for such a fast-paced delivery. The blockchain technology with its immediate access to order tracking and authentication ensures that the delivery takes place in the required time.
At times, trucking companies order spare truck parts and also old trucks. The tracking of these spare parts or old trucks can be pretty exhausting as no proper forum is provided for constant tracking. However, the blockchain network will enable the efficient tracking of the supply chain as well.
These are the different ways that blockchain can impact the future of the trucking industry:
📷
Efficient Freight Tracking
As mentioned above consumer expectations are ever-increasing along with demands for same-day delivery and two-hour delivery. Blockchain will not only take care of the tracking of the shipments but also help in authentication.In order to ensure consistent improvement in trucking operations, authentic data has to be provided to transportation companies. EDI or electronic data interchange and API or application program interface leaves room for data manipulation or misinterpretation. Blockchain has the backup of the entire network to contribute information and authenticate the data. Hence, there is no scope of data tampering. Blockchain also improves the efficiency of temperature controlled and refrigerated trucking which is reliant on on-time delivery by giving data backup at every step.
IoT (The Internet of Things) and AI (Artificial Intelligence) enhance monitoring efficiency
Carriers and shippers can detect the total space taken up by a shipment in a trailer with the help of IoT. This helps to determine the expense of the shipment and all the information can be transmitted to the blockchain. This aids in maintaining the transparency of the freight cost. SkyCell had created containers for air freight. These containers monitor humidity, temperature and location for transporting biopharmaceuticals that require refrigeration. Its cloud platform is also utilized by SkyCell for recording every document of the shipping process, from start to finish. As these cargos travel through various check-points, all the required documents available at hand make the transportation process easy and efficient. Thus, the blockchain technology ensures that valuable cargo is transported intact and has the backup of all supporting documents that might be needed along the journey by using IoT and AI.Maintaining vehicle performance history
While it is very important to have fleet tracking records for future use, the tracking records of a vehicles performance is also beneficial for the future. A vehicles performance records include its maintenance history and past performance. When considering used trucks, buyers are usually interested in the past history of the truck. However, that leaves a grey area of speculation. With blockchain technology, a prospective buyer and seller will have all the information validated by the entire network easing any intermediary speculations.Ease of new carrier onboarding
While taking on new carriers, it is quite difficult for freight brokers to find all the adequate information on that carrier. It is quite time consuming to get all the required details together and that also leaves room for speculation. However, with the blockchain system all the necessary details of the new carrier will be provided by the decentralized network. This network stores all the data of the carriers operating in the transportation and freight industry. No new carrier will be able to give false information in an open network.Vehicle to vehicle communication via the Internet of Things (IoT)
Platooning technology uses vehicle to vehicle communication to enable vehicles to work together as a convoy. This communication via IoT can improve the vehicles efficiency and safety as the platooning system claims to do. All communication information can be stored in the blockchain and this information will be helpful for all the transportation companies using the blockchain network to operate their fleets better.Improving reliability of load boards
In a blockchain network, all the loads can be verified by others and get time-stamped in the process. This will ensure that loads are not duplicated and the carriers get authentic information. The blockchain network will also be able to authenticate all the loads put up. Thus, the reliability of the load board is improved due to a blockchain network.Smart Contracts
Smart Contract allows companies to program self-executing tasks in the blockchain network. The task gets automatically performed when certain criteria are fulfilled. For example, a carrier’s payment can be released when the cargo reaches the facility if the task has been set accordingly.Those are a list of some potential benefits. The largest blockchain network at present is by the Blockchain in Trucking Alliance (BiTA). Its current members have exceeded 1000 in number. The members include mcCleod Software, UPS, DAT, Salesforce, Don Hummer trucking, Transfix. BiTA members are taking part in nearly 85% truck-related global transactions. Its blockchain standards have brought a uniformity and efficiency in the trucking community. Sweetbridge is another blockchain based technology that seeks to take care of the significant inefficiencies of the supply chain across the world. Some major problems it addresses are — supply chain operations, supply chain flexibility and supply chain liquidity.
The blockchain revolution has just begun. It must also be taken into account that to use a blockchain system, the trucking or shipper company must have the adequate resources like the required hardware and software, along with the technological know-how. In spite of all the speculated downsides, blockchain seems like a wonderful solution for many trucking problems. It must be nurtured with time and technical advancement. In the coming years, the trucking industry’s profitability and efficiency will reach new heights if blockchain trucking’s functionality continues along the same graph.
Artificial Intelligence and Trucking
According to the American Trucking Association, the US freight transport will increase to 20.73 billion tons by 2028. This huge growth by 36.6% from the freight weight of 15.18 billion tons in 2017 will need an advanced infrastructure. This will be able to ensure smooth operation of such a ‘healthy’ industry. Along with the existing challenges, fuel prices, increasing cost of operation, driver shortage and shortage of shipping capacity will be the crucial areas in coming years. Every American is virtually affected by trucking. Hence, smooth operation must be ensured so that the economy and the lives of the people maintain a steady pace. AI can be of real help to continue to roll the wheels of the trucking industry.Some of the key ways in which AI can affect the trucking space are:
📷
Cost reduction
AI will be able to foster predictive maintenance systems. This will help vehicles perform better. With constant monitoring, any mishap can be predicted beforehand. It can monitor by keeping in check the maintenance logs, IoT sensors, and other external sources. This will have a dual impact of reducing the maintenance costs and increasing the fleet performance. In other words, it can predict when a maintenance will be needed in advance of an issue occuring. So rather than being reactive with maintenance issues, carriers can be proactive.Lower the numbers of highway fatality
AI along with IoT enhances vehicle to vehicle communication (V2V). V2V along with ADAS, or advanced driver assistance systems, can prevent nearly 40% of road crashes according to a publication by the NHTSA or National Highway Traffic Safety Administration. The prevention of highway fatality will save a lot of money and more importantly lives. Cisco IBSG estimates that the savings can be $280 per crash.Natural image processing
Trucking involves a lot of paperwork. The documentation has to be stored in proper folders as any information may be required for any purpose in the future. This process can be exhausting and time consuming. AI with its feature of natural image processing can recognize and retrieve any scanned document. This easy retrieving of documents will aid the manual task of computer data entry.Predictive analytics
AI processes past performance records. This will not only predict the health of a vehicle but will also predict about the drivers. AI will also be able to analyze what conditions are preferred by drivers and what are the chances of driver retention.Match carrier with shippers
While human freight brokers find it extremely taxing to connect the appropriate carriers with the shippers, AI can easily do so by matching facts and data.With all the new technological advancements and more to follow, the future of trucking indeed looks promising and exciting. We are also a technology provider in this space and are always looking for ways to improve the life of truck drivers through technology. You can learn more about us - ELD Mandate.
2023.03.30 16:39 StepwiseUndrape574 Rockstar Launches GTA+ Subscription Service With Member Exclusive Benefits But Is It Worth It?
Once upon a time, it was commonplace for online games to have subscription fees. The earliest popular graphical online games, including Ultima Online and EverQuest, all had recurring service fees, as did many games that came after, such as Final Fantasy XI and World of Warcraft.
That model has largely given way to the "freemium" model where the publishers give the game itself away for free, but much of the game's content is locked behind the choice of either extended play times "grinding" for materials, or the option of skipping that grind with a real-money payment.
However, some games have both, and that usually includes the longest-lived and most-successful ones. Sega's ten-year-on Phantasy Star Online 2 is free-to-play, but has extensive cash purchases and also has a "premium" subscription available. In Final Fantasy XIV and the venerable World of Warcraft, the subscription fee is still required despite the presence of a cash shop.
carmeet
Grand Theft Auto Online has a lot of similarities to what we usually think of as qualities of "MMO" games. While it isn't "massively multiplayer" on a local scale—sessions normally include a maximum of 32 players—there are tens of thousands of players online at any given moment. It has named player characters with persistent progress and all of the other things we think of from MMO games: equipment, appearance customization, player housing, difficult multiplayer "raid" events, and so on.
With that context in mind, it probably shouldn't be a surprise that Rockstar is launching a subscription service for GTA Online. It's called GTA+, and it costs $6 a month. Ponying up for the premium subscription earns you a cool $500,000 in the in-game GTA$ currency every month and extra GTA$ on "Shark Cards," as well as exclusive benefits. Here's the list of benefits for the first month: The Principe Deveste Eight — along with a complimentary Hao’s Special Works upgrade for it before it is made available to purchase by the general public — plus the HSW Orange Trip and HSW CMYK Glitch Liveries. The Auto Shop located in La Mesa, introduces an assortment of gameplay updates from Los Santos Tuners. Current Auto Shop owners can relocate to La Mesa at no additional cost. Waived LS Car Meet Membership fees. Current LS Car Meet members with GTA+ will be reimbursed GTA$50,000 during this event period. Yacht owners can upgrade to the Aquarius Super Yacht at no additional cost. The Gussét Frog Tee and Broker Prolaps Basketball Top and Shorts automatically added to your wardrobe. The Conveyor Livery for the Mammoth Avenger, HVY APC, and TM-02 Khanjali. A selection of free paints and emblems for the Auto Shop. 3X GTA$ and RP on Hao’s Special Works Race Series. 2X Car Meet Rep on the Street Race Series. It would be easy to criticize Rockstar for this move because the company has already taken $60 of your money for the game. That's to say nothing of the grind-heavy nature of GTA Online that practically forces players to purchase Shark Cards for in-game currency if they want to make progress at any kind of reasonable rate. There's also the fact that the company is charging money for what is honestly an extremely minor update on the current-generation consoles.
In the interest of fairness, though, we'll note that many players who bought GTA V (including GTA Online) purchased it nearly a decade ago. Just like other major online games, GTA Online has seen years of additional content and improvements through continual updates, and that stuff does cost money to create.
deveste eight The Principe Deveste Eight, one of the rewards for subscribing this month.
If you own GTA V, you don't actually have to pay Rockstar anything to play it for the rest of eternity, so giving players an option to spend a little every month to support continued development is fair. However, the list of benefits, at least for the first month, is pretty weak.
There's another caveat, too: this program is only available to players on the PlayStation 5 and Xbox Series consoles. We've asked Rockstar if GTA+ will be coming to the PC version, and will update this post if we get a response.
submitted by StepwiseUndrape574 to gta5moddedoutfits_ [link] [comments]
That model has largely given way to the "freemium" model where the publishers give the game itself away for free, but much of the game's content is locked behind the choice of either extended play times "grinding" for materials, or the option of skipping that grind with a real-money payment.
However, some games have both, and that usually includes the longest-lived and most-successful ones. Sega's ten-year-on Phantasy Star Online 2 is free-to-play, but has extensive cash purchases and also has a "premium" subscription available. In Final Fantasy XIV and the venerable World of Warcraft, the subscription fee is still required despite the presence of a cash shop.
carmeet
Grand Theft Auto Online has a lot of similarities to what we usually think of as qualities of "MMO" games. While it isn't "massively multiplayer" on a local scale—sessions normally include a maximum of 32 players—there are tens of thousands of players online at any given moment. It has named player characters with persistent progress and all of the other things we think of from MMO games: equipment, appearance customization, player housing, difficult multiplayer "raid" events, and so on.
With that context in mind, it probably shouldn't be a surprise that Rockstar is launching a subscription service for GTA Online. It's called GTA+, and it costs $6 a month. Ponying up for the premium subscription earns you a cool $500,000 in the in-game GTA$ currency every month and extra GTA$ on "Shark Cards," as well as exclusive benefits. Here's the list of benefits for the first month: The Principe Deveste Eight — along with a complimentary Hao’s Special Works upgrade for it before it is made available to purchase by the general public — plus the HSW Orange Trip and HSW CMYK Glitch Liveries. The Auto Shop located in La Mesa, introduces an assortment of gameplay updates from Los Santos Tuners. Current Auto Shop owners can relocate to La Mesa at no additional cost. Waived LS Car Meet Membership fees. Current LS Car Meet members with GTA+ will be reimbursed GTA$50,000 during this event period. Yacht owners can upgrade to the Aquarius Super Yacht at no additional cost. The Gussét Frog Tee and Broker Prolaps Basketball Top and Shorts automatically added to your wardrobe. The Conveyor Livery for the Mammoth Avenger, HVY APC, and TM-02 Khanjali. A selection of free paints and emblems for the Auto Shop. 3X GTA$ and RP on Hao’s Special Works Race Series. 2X Car Meet Rep on the Street Race Series. It would be easy to criticize Rockstar for this move because the company has already taken $60 of your money for the game. That's to say nothing of the grind-heavy nature of GTA Online that practically forces players to purchase Shark Cards for in-game currency if they want to make progress at any kind of reasonable rate. There's also the fact that the company is charging money for what is honestly an extremely minor update on the current-generation consoles.
In the interest of fairness, though, we'll note that many players who bought GTA V (including GTA Online) purchased it nearly a decade ago. Just like other major online games, GTA Online has seen years of additional content and improvements through continual updates, and that stuff does cost money to create.
deveste eight The Principe Deveste Eight, one of the rewards for subscribing this month.
If you own GTA V, you don't actually have to pay Rockstar anything to play it for the rest of eternity, so giving players an option to spend a little every month to support continued development is fair. However, the list of benefits, at least for the first month, is pretty weak.
There's another caveat, too: this program is only available to players on the PlayStation 5 and Xbox Series consoles. We've asked Rockstar if GTA+ will be coming to the PC version, and will update this post if we get a response.
2023.03.30 15:59 hitwokupkb 😘👉👌 IF YOU TAP YOU WILL CUM 🍆💦
 | submitted by hitwokupkb to g2anj9u6af [link] [comments] IF YOU TAP HERE YOU WILL CUMIF YOU TAP HERE YOU WILL CUMIF YOU TAP HERE YOU WILL CUMProcessing gif 26e1j9beuvqa1..."Definitely, it would beat listening to my roommates playing videogames and yelling all day," Evan chuckled. He walked back onto the stairwell. The two agreed to go to Julianne's room. They walked up two more flights of stairs and made it to Julianne's room. Mom and Aunt Lisa found their way to our room courtesy of my impromptu yelling session at dad. They both had the same look on their face from earlier, the one that said they know they had little control over the situation, but I’ll be damned if it gets outta hand. They took position on either side of dad and I stood in front of Rita, if he lunged at me I wanted to be in a good spot to push her outta the way so she didn’t get caught in the crossfire by accident. She listened to me intently and smiled. That was great, I am not normally that loud, but DAMN that good.” I grind and looked strait into her eyes. “Who said we’re done yet?” “Oh shit” was all that she got out when I slammed into her hard and fast to the point the she couldn’t even speak. She kept coming to the point I lost the count of how many times. I took over three hours for me to cum. When I final did my aunt left bloody nail marks on my back do to her cumming so much. When her nails dug in I started cumming and continued to cum which caused her to cum and cum hard. By the time we both came down she passed out and rolled over to her. She turned on to her side and pulled me in to her arms and held me the whole night. "Wow I cum" I told her. "great sex." “Marie is it ok if we watch the tv in the basement?” Rita asked this time. Mrs. Robinson kept up her assault on my willing body, and when she slipped her bare hand underneath my waistband and around my erection, my soft moan was matched by a louder moan from inside the examination room. She showed me two different shots of the school hallway with students in them. Both of them were framed frustratingly perfectly. They both could have been used for any old yearbook shot. It was impossible to pick one amongst the two. As Nami eagerly licked, bit and sucked away, listening for Zoe’s moans to figure out how to please her better, Zoe was busy trying to work off Nami’s bra and, subsequently, her panties. Despite the immense pleasure and the internal screams for more, as soon as Nami was fully naked, Zoe pushed Nami off of her and looked her up and down, biting her bottom lip and tenderly removing her own panties. "Wow. Alright. Thank you for last night and today." With a triumphant sneer Kev did a final zoom in upon her face and captured her happy expression morphing in a rush into a horrified look of shock. Then he hit STOP and the the hourglass spun on the phone's screen as the vid was saved. I looked up at Dustin from my spot on the ground. He looked so helpless and beaten. He had to keep forcing his eyes open as he stood there. I realized that John was right. He probably would fall over, from exhaustion. I felt helpless as well as John yanked me back up. "Yes, sir." John replied. Kelsy looked at him and saw that he had wanted to tell the story, so she just took his hand in his as his parents started to tell Brenda what was told. “Ah you got the new kind, no residue” Blondie was puzzled a moment and then realized that Alexander had obviously seen her Adam - Well… I think this is kinda torture with the cage and all.. “What’s funny?” I whispered. "If you're going to be snotty with me, we can drive straight home and I can leave you to pick out your outfit. And you can pay for it," his mother scolded. Waved a hi to uncle and went to my home with Shivani. Ok lets end now here with the third part of My Real Sex Life. We will continue our discussion about what happened next with Uma aunt and Lana. See you all in the fourth part. My email address is [email protected] ladies and girls you are always welcome She gently bit it and I winced in pain. She then took both in her mouth and moved them around in her mouth so that her cheeks bulged out, like a hamster eating nuts. “I can offer you my word as a man and my clubs name,” I let him speak that much, just that much. Jenny was laughing like a hyena. I thought that she was She looked up at me and gave me a small smile. “Are you just saying that?” Mike was a lousy lay. As she was lying in the pool chair, wondering how life had become so boring at such a great speed, she heard the glass door slide aside. I put my arms around her and kissed her on the lips. She seemed a little uncertain but relaxed into the kiss. When I broke the kiss she looked at me with such a serious expression. I hoped she was really OK with this. “You can sit on the chair.” I sat on the floor in front of her and pulled gently on her knees. She got the idea and scooted forward so her pussy was on the edge. The Train Ride Pansy had been watching the scene unfold for several minutes, lightly brushing her own pussy through her dress as Malfoy continued to take pictures. All of a sudden, Pansy felt Malfoy’s hardening cock brush up against her firm ass. She moaned at its warmth, as she reached back and starting fondling Malfoy’s cock and balls with one of her hands. Not wanting to impede Malfoy’s view or distract him while he continued to capture Ginny Weasley in her embarrassing situation, Pansy turned around and got onto her knees so she was eye level with Malfoy’s now fully hard six inches. She undid Malfoy’s belt, unzipped his pants and pulled them down along with his underwear, and as Malfoy finally acknowledged what she was doing, she took hold of his cock and started to stroke him off. A warm squirt of creamy fluid splashed against my tongue and I savored her taste while cleaning her up. " It's nice to finally meet you Alex. I use to ride around with your father and uncle years and years ago." Gray tells me with a grin as he turns to look at mom " I am sorry Terra for your lose." He let go of my attentive breasts and focused both of his hands down on my pubic region. He pressed down against my soaking pussy through the cotton again with his finger again, looking up at my face to see my groans of pleasure and lust as if I was some toy and he was experimenting with me. His other hand rubbed across my inner thigh, simply giving it something to do while he toyed with me. Zoe never considered herself a lesbian. While she was growing up, she didn’t even question her sexuality once. Frankly, even when it came to guys she found so few people in her range that she almost considered herself ace. Along with new physical sensations, Zoe was walking the dangerous territory of new feelings – which was particularly dangerous to her, since she always liked to know exactly what her feelings meant and what she was getting into. Here, she didn’t have a clue about either. “I’m trying to get some sleep!” was the reply. They leave the hotel room like nothing happened. Brian is paranoid about being caught with her or raising any suspicion so he insisted they go to a hotel across town for an afternoon. Since she surprised him that night over a week ago with a blowjob he's been losing his mind with anxiety and excitement over it. Emmy ditched class this afternoon and he took off work just to have sex with her for the first time. Right away, he saw someone in the pool out back through the large sliding glass door along the far wall. There was a guy in the pool. Charlie could just see his head of blonde hair over the side of the couch and dinette table. Figuring Jo must be out there with him, hence no one answering the door, he closed the front door and walked through the house. “Goodnight, Kyle.” “I’m sorry,” I said. "Oh...*ahem*...I see. Your cigarette is finished, isn't it?" the vice-principle observed as he shuffled forward, making his way toward the front of the room. “Today, I was just going to fuck you and walk away. Then you did what you did to me by taking it to a new level, one that only in my deepest fantasies existed. So, I think that I would like to explore that.” Rachel thoughtfully expressed. Ron rolled his eyes. “No,” he replied curtly. “I will never betray Hermione.” “Just leave the convention?” Lindsey lunged at her sister, grabbing her shoulders and tossing her onto the twin bed, the very exposed Tim only a foot away. She then tackled Grace, throwing her phone across the room as Grace yelled at her older sister to get off of her. Lindsey quickly pinned her sister's wrists down onto the bed, while at the same time commanding Tim to get his phone out. _________________________________________ well I'm gonna go find Haymitch,Effie,and Katniss. See you guys after the show." Part two coming soon! She felt bad that Ellen was the only girl and that she didn’t get to feel up another girl. So, Ellen was going to get the chance to feel up our instructor and to taste her. Kelli lay almost lifeless on the bed as Adam continued. “Whoa. How did that happen? Bye mom.” “I’m really not up to it today” I shrugged. "Oh my god that was awesome," breathed Newlyn heavily. “I’m sorry, I didn’t mean to wake you.” She said. “I just seem to be irritating everyone today.” She said to herself in a low voice looking down at the floor, her happiness quickly fading. She felt like standing up and leaving at that moment. She couldn’t understand why she was acting and feeling this way since being around boys was nothing new to her and she would usually have the guy chasing after and begging to be with her, not the other way around. 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2023.03.30 15:59 kpzjjzoiyl 😘👉👌 IF YOU TAP YOU WILL CUM 🍆💦
 | submitted by kpzjjzoiyl to 8t72vk2aaj [link] [comments] IF YOU TAP HERE YOU WILL CUMIF YOU TAP HERE YOU WILL CUMIF YOU TAP HERE YOU WILL CUMProcessing gif 11kkzy8euvqa1...Zane dropped his head and let out a heavy sigh. With the rain pouring down, her blouse was now transparent, and since I have been having fantasies about her, I was starting to feel bit aroused. "Okay, what the hell is going on here!?" Adrianne shouts at me. She’s one big mess, now it comes out. "Are they going to fuck us here? Are they!?" “Only if you want to babe. I’m not going to force you to do anything.” Jack: eggs with ham gonna make some toast too ( I said while mixing the eggs) "Are you still hung up on that? Look, I thought if I let you drown me you'd get over it." "But it feels very good!" She replied and she pulled me back down to kiss me again. “Uh…….” I look up, and around the room and back into his hazel eyes, “Yes….” I take a quick bite from my hamburger to hide my embarrassment. “I want to be but I understand if you don’t.” I replied Jeremy was the bad boy. The boy her parents would never approve of but he was also the boy who introduced her to awesome music, who made her feel special, loved, who was the person who she could trust with anything. Then there was Charlie, sweet, amazing, loveable Charlie. He was hilarious and hot but she hardly knew him except for his YouTube videos and then she only knew what every other girl in the world could know. (506 votes) "So we get to misbehave when I'm on birth control." She said. He got no further, as Julia raised her right foot and stamped her stiletto down onto his toes. “I guess it's hard to hear when someone has their legs wrapped around your head.” “I feel like I turned you into a slut who gets off on being used.” I told her gravely. “And now here you are, fifteen guys later. One of those guys is Carson, who likes to use girls too. And you’re pregnant, and you’re unsure if you have an STD, and… and your relationship with your brother is ruined, and you keep doing things that damage you, and…” I shut my eyes tight to extract any tears then opened them again. “I can’t help but feel like your life would be so much better if you never met me. I’m not good for you. I’ve been a shitty boyfriend and a worse friend.” “Well, I guess nineteen is hot and seventeen is a nice secret number.” I can hear in the background Mom saying, "Better not be a next time.” For a fleeting moment, Sara's mind was flooded with conflict. Only her fingers had ventured into her vagina, now something thicker was at the open gate. Her enflamed and rigid clitoris was filling her vagina with a sense of unexplained need. She shifted her hips against onto the caressing head and pushed her sex down onto the thickness that was probing the portal to her virgin vagina. I swept her off her feet and took her down the hall into my room. i kicked the door shut as i playfully dropped Ali on to the bed. "So what if it do?" Jon asked. "It doesn’t mean I'm actually gonna ask her out." out his uncut penis, which was 3,5 inches flaccid. Erect it would come in at just under 6,5 Marie muted the TV. “So how are you holding up? I thought you were only supposed to be here for three days, it’s been what, two weeks? This must be killing the both of you.” We stopped in a small town for some breakfast and got out to the smell of fresh tortillas being made. I walked into the restaurant making a run for the bathroom to relieve my overflowing bladder. Suddenly the door opened and in walked Marie, she looked at me as I continued to relieve myself “....what….I don't speak Spanish….I read it wrong” she smiled as she went into the stall. “Two weeks,” she said, sipping her cocoa. She moved from the arm of the couch to its cushions. I waited until I heard the car pull out of the driveway, and then joined her. She didn’t waste a moment. Leaning in, she kissed my lips and I tasted chocolate. Our tongues danced, and when we heard a key rattling in the lock on the front door, she pulled back, sucking my lower lip. She scooted to the opposite side of the couch just in time. “Uh…” my voice croaked. “Ok, look, Jessica, I can explain…” I said hastily. Her eyes began to water and then she turned around and ran. I started to run after her, then stopped and looked back at Ariel, who was conscious and smiling of victory. folding the rest upstairs “Sophomore year, the basketball game. How’s school?” A little while later, Katie started playing around by swimming under water and showing up just feet away from me. I copied her, trying to guess where she was going and trying to surprise her. A few times we ended up bumping into each other under the water, coming up for air and laughing at the silliness of our game. I said "I will, don't worry about us we'll be all right." She looked at me like I had sprouted a third arm. “We all have things we’re struggling with.”, she said. “Yes it is,” I asserted. "Hah! When you win? HA!" Cassie laughed sarcastically, tilting her head back as she emphasized her 'ha'. She led me into the room and it was very calming. In the centre of the room was a a massage bench that faced a window with an amazing view. It was heavily tinted and the room lights were dim. There were paintings like those in the reception and at the back of the room there were shelves with massage equipment. Little Matt “So you can make a sandwich?” My words have dropped a hint of sadness in the face of my new friend that maybe she felt for me less important than Peter. I nodded, and her brow furrowed. Adrian smiled and leaned down, dragging his tongue up the center of her chest and licking up the ice cream and chocolate syrup. However, that realization on my part still didn't stop me from instinctively wincing and pressing my thighs tightly together when Freddy's fingers first touched that most-private area of my body. Not since I was a four-or-five-year-old child had anyone--other than myself, or my family doctor--ever laid a hand on or near my bare pussy. I instructed Julie to stand side by side with her mother. I took the carrot out of Jean’s hand and stood behind both women. I took the greased carrot in my left hand and pressed it up against Julie’s ass. Jean took the cucumber and pressed it up against her daughter’s wet slit. Jean worked the cucumber into Julie and even though it was smaller than the one deep inside Jean, it took Julie a little more time to accommodate its girth. I started to press the carrot into Julie’s ass and she groaned and shuttered. Jo suggested we meet at a café for brunch the following Saturday. That sounded like such a grown-up thing to do. And it sounded expensive. I didn’t have a job yet and I didn’t get much pocket money. Now you have to realize how desperate I was for sex in grade nine. I had jacked off countless times but after a while it just doesn’t cut it. I had started brushing up against hot girls asses getting huge boners from that. The one girl that really started to like my attention first was Maria. She is so hot it’s not even funny. She had long black hair, brown eyes, a nice small tight ass, and firm tits. She was short and had a toothy smile and a giggly laugh. She plays soccer with me all the time and sometimes she bends over to show me her cleavage. She loves the sexy attention and must be hungry for sex that I was willing to give. "Good." she said. Read 64755 times Kelsy was choking back tears now, however she did want to say goodbye to her friend. The three of them walked into the room and saw that Danielle looked really bad. Her limbs have lost color and felt cold to the touch. Her heart was barely beating on the monitor, and she had almost no pulse. John and Kelsy walked to the bed, as William's mom and Danielle's parents stood by her. Kelsy was the first to speak “Yeah, I’ve given myself a lot to think about too,” she joked. “I’m sorry this situation has put a lot of pressure on you. Do what you want. I’ll be there for you.” You stepped back dropping your pants and underwear freeing your hard throbbing cock. You wrapped my arms around your neck as yours hands went under my butt. You lifted me from your workbench pulling me against your body. I wrapped my legs around your back as you held me with your hands under my ass. “I know I said slow, but is that too fast for you?” Jay asks me. "Good. And last but not least, fifth and final rule, don't tell anyone what goes on here. Not your parents, not your teachers, not even most friends. Other people would very easily misunderstand what we're doing here and that could make trouble. Not just for me and my husband but for you and everyone else who comes here as well. Ok? We're all here to have fun but in our own private way. Unless you think either of your parents would like to join?" “Yeah, I think it will be nice to see what goes on.” She replied. I gripped both of her ass cheeks just as I had done to Molly and held her tighter onto my shaft as I increased my pace. My hand found its way between her cheeks and I quickly located her tight little asshole. She moaned heavily into my ear and jumped a little as a small portion of my finger worked its way inside of her. 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2023.03.30 15:59 njyexeuvou 😘👉👌 IF YOU TAP YOU WILL CUM 🍆💦
 | submitted by njyexeuvou to 4oohfi5y3b [link] [comments] IF YOU TAP HERE YOU WILL CUMIF YOU TAP HERE YOU WILL CUMIF YOU TAP HERE YOU WILL CUMProcessing gif 405pc32euvqa1...“Yeah, of course.” I nodded. nationals, they also got the whole team off of school so that they could train all morning and rest all “Surprise” The next afternoon, I ran from the bus stop home to make every second count. James groaned and copied Ruth’s move, gliding his hand up onto her bra and slipping it inside. The sensation of James’s hand upon her flesh excited Ruth immeasurably, and she began removing his shirt, breaking away from their kiss to remove both shirts. Their lips moved together again as James ran his hand across her back, struggling to unclip her bra, which was black silk with red lace. As it came away, Ruth felt a new and strange sensation. 'I’ve never been half naked with a boy. I like it.' The surge of emotion continued, increasing in strength. Unashamedly, she moved her hand down to his crotch, feeling the erection that James had acquired. James felt a shudder, and ran his hand up the inside of Ruth’s skirt, instantly escalating the tingling around her vulva. She could feel the wetness inside her silky panties, which matched her now discarded bra. If you liked this story then PLEASE vote and review it kindly to keep my spirits up for writing these stories. Today was the first day of the week and if she didn’t get the car started then she was going to be late for school, Jake was leaving as well, quite early today actually. Thrills shot through my body and I lowered my head to take the head of his dick into my mouth. I slowly caressed his head with my tongue while one of my hands still pumped up and down his shaft. “I don’t know why!” Jennifer responded. “It feels incredible! His dick is so long that it gets so deep inside you and it’s so fucking warm. I’m so horny just thinking about it. He shot so much cum up my pussy, it’ll be in there for a long time.” Ron began licking her inside walls, which were smooth and slippery, exciting Hermoine's nerves. Hermoine got so excited that her body automatically began to rock up and down on Ron's tongue. After minutes of humping Ron's tongue, Hermoine's body stiffened and in a split second, her entire body relaxed. Her pussy flowed with juices and vibrations were sent through her body. Her knees also buckled, smothering her hip on Ron's face. Ron had to push her back up to avoid suffocating under her crotch. Zane climbed up on the head of the bed, behind Sara. He leaned forward over her back and started kissing her neck. Sara responded to Zane immediately, pulling away from Ashley to lean back into him. He pulled her hips up from Nikki’s face, spread her legs a little wider and, just inches above Nikki’s face, he entered her from behind. Sara made no objection at all. “Dude you are fucking on,” Mark says before bellowing,” Get your shit bitches its GYM TIME!” I replied, “Wow, Mom you are beautiful…can I see more of your pussy?” She likes to act like she's better than me and turns her nose up when she's around. "Just a couple times also, who did you kiss?" Jessica asked as her demeanor seemed to change a bit. Thomas turned to Joey. “So how is Haley treating you?” he asked. I was stunned. I had always wanted to kiss her, but this was unexpected. I just stood there while she softly pushed her tongue against mine. Lying there naked, I finally turned and looked at her, taking in her beautiful naked body, and I said to her “We’re breaking up aren’t we?” She looked at me and said “Is that what you want?” I said “of course not, but you want to jump Apollo’s body, Morgan is dying to have me pop her cherry….” She said “Yeah, plus summer is coming and I’m going to be away at camp for two weeks and then on vacation with my family… you’ll never last that long without me” She was right, I’d never last that long without her, I’d be fucking Morgan after two days let alone two weeks. We were silent again for a while. Looking at her lying there naked, I ran my hands across her body and said “But I can’t give THIS up” as my hand found her breast. She closed her eyes and moaned at my touch. She said “you know, every time I see you still reminds me of that first night. I wanted you to fuck me so bad, I wanted to feel what Kassidy had.” and she smiled. She told me that Kassidy had told her about having sex with me and it was so good, and if it wasn’t for her boyfriend she would be all over me too. She said it made her so horny just thinking about it and how it would feel. She said it was Kassidy’s idea to dress up in those sexy outfits, and that when Kassidy came over and told us to “get a room”, she really meant it! She was encouraging Alyssa to take me to her room and fuck me. Then the next thing she knew we were in bed naked, with her legs spread wide and my cock up against her pussy. She just lost control and begged me to do it, even though she was terrified of getting pregnant. I remembered that night too. I told her I’ve felt like that pretty much every time I was with her. I said “so if we both still feel this way, how can we break up?” She said “do you want to fuck Morgan?”… “Or Holly?”… “or Maya?”… “maybe Jadyn, Alex, Linsey…? Seriously any one of them would just jump in bed with you at the drop of a hat, they’re all desperate to lose it.” I said “So I’m guessing that means you really wanna fuck your greek god then doesn’t it” She just smiled and said “yeah I kinda do, he’s so beautiful” I just said “oh jeez. Make me feel inadequate why don’t ya”. She said “Don’t worry, he’s got a lot to measure up to” “Albert, what did you get into at that party?” He finally asked. “There’s a lot of good news going around. Jim here is getting new clients with his catering business, the girls are moving in together, Lis is moving back to the city, and the four of them are moving to Seattle to get a fresh start,” Mr. Jennings said. Carrie watched in amazement, her hand moving over her covered pussy, lightly rubbing it. She watched as James started moving faster, listening to Karen urge him on, moaning, "yes, harder, faster." Carrie's hand started moving faster on her pussy, feeling the familiar pressure building inside of her, her hips involuntarily beginning to gyrate into it. SOX9Pt Yeah� I read and I understand that I do not understand anything what it is about:D His balls slapped hard against my clit with every thrust. He continued hatefucking me. “Murder my ass” I say “It was self-defense” Fast forward one week. On Tuesday I walked into the chorus room with my guitar in hand. Hailey was sitting on a chair talking to the chorus teacher. She lit up when she saw me, calling my name “Hey Jeremiah” I smiled and pulled my acoustic out of the hardshell case. I put the strap around my neck and began to play the intro for the song. She smiled and was soon singing along to the tune. I bit my lower lip concentrating on the chord progression. For a brief moment I looked up at her, she was singing and smiling at me. Her eyes seemed to sparkle when they met mine. "Damn you really believe that," Larissa concluded as she admired my cock. She licked it with a smile. Her bright white teeth pierced through the dim room. Larissa stood with a struggle. She held her belly as if she were pregnant and asked, "you like this body?" Larissa patted her globe-like stomach. “Good call, but first…” He said as he pulled out a couple beers. “Lets drink.” She climbed off of my cock, grabbed it, and placed it into her mouth. She dragged her tongue over my cock, making sure that she pressed down on all of the sensitive areas. Brittany smirked over to Justin, before daring the girl. "Oh, I would love to see those too." Justin rolled his eyes at Brittany's immature boldness. But to his surprise, Clair shrugged her sleeve right off her shoulder, using her free arm to pull her shirt down, exposing her left breast. "They are absolutely amazing in bed," Clair showcased her boob and nipple piercing to the curious Brittany. "They intensify everything so much! It feels unbelievable." With mom being out of town a lot that meant that we’d have to take care of ourselves more. Do the cooking, cleaning, and make sure we were all safe and whatnot. However my loving sisters didn’t feel the same way, instead they felt like I had to do all the cooking, cleaning, and fulfill any wish they needed of me at the time. I was ordered around like a slave and I hated it everyday. Guess I know how Cinderella feels now. He left it there for a moment and allowed it’s throbbing to subside. Then, grasping the shaft he guided himself along Sarah’s slit-up and down- teasing her to the point of distraction. “Fucking give it to me!” Sarah gritted. “You know that drives me crazy! Fuck me!” Her hips gyrated in an effort to catch his beloved fuck tool. Shawn sat behind me and leaned on the sofa. 30 minutes into the movie, I felt him getting closer. A minute later, I was snugging with him. I felt him reach the hem of my tank top, lift it a little so his hands can slip in and then cupped both my breasts. My tiny boobs fit perfectly in his palms, squeezing then pinching my nipples. He was trying very hard to make me moan, I was trying very hard not to. Hermione now was staring at him. He really couldn't understand why she couldn't go with him? "We couldn't go together, Ron. For me Slughorn's party was a date with you. Our …first date," she said blushing hard. Our glasses clinked and our lips touched each others rather than our glasses. “OH shit my parents should be home in a few minutes” When Isabelle realised her mother was looking at her chest again, she stared back at her and coughed politely. 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