Nik

God-fearing. Goal-Oriented. Focused.

[Olufunke Cherish O. @Ola___ife]

If you get kidnapped this might save your life :

1. Spit all over the ground; it's your DNA.
2. If they carry you, scratch them, their DNA is under your nails.
3. Call 911 and ask for a a pizza they will know you need help.
4. If you need to call someone, like 911, but can't speak, call 55, they will track your location.

5. If you are in a car/truck, try breaking the tail light. If you stick out your hand, the car behind you will probably call the police.
***if you come across this post and find it useful tap follow and let's stay in touch.🤝

[vnkumar trades 🏌🏽‍♂️🏇🏋🏻‍♂️🐆 @vnkumarvnk]

Need a reset, so we can have nice and clean Santa rally. ����🎅

[Laxmi Rani Bodana @lax97981]

This Resume has an ATS score of more than 92 🤯

This Resume helped many in getting an interview calls from companies like Google, Microsoft, Amazon, and many more. 💼

I have personally used this single-column resume in my job hunting and got amazing results

I am sharing the exact similar editable ATS Friendly Resumes templates!

To get it:
1. Follow me @lax97981 (So that I can DM)
2. Like & Repost
3. Reply "Resume"

Follow me so I will dm immediately 💯

[Nik @Anikkibaby]

@lax97981 Resume

[Nik @Anikkibaby]

@mikehoffmann Ice

[Wale @Wale]

Big Boys kitchen ... thank u for the hospitality

[Flowseidon @kiantrades]

You guys still want notable flow? FOMC tomorrow

[Chris Koerner @mhp_guy]

3% mortgages still exist, you just aren't creative enough. I'll fix that below.

In fact, if you find your dream home there's a ~10-20% chance you can get a ~3% mortgage on it.

Here's how:

The best way to get a 3% mortgage today is by assuming the existing mortgage on a home.

To "assume" means to take the loan and payments over from the current borrower, instead of getting your own mortgage.

Yes, you'd still have to qualify with the bank.

This is only possible with gov-backed loans. Such as:

VA: Provided to US veterans and their families

FHA: Provided by the Federal Housing Administration to low-moderate income borrowers (most common of the 3)

USDA: Provided by the US Department of Agriculture to homes and land in rural areas.

Here's the thing, most homebuyers and sellers have no idea this is possible.

Go to Zillow right now and search my the keyword "assumable"

Less than 1% of listings have that word in the description, but around 24.3% of homes for sale have assumable mortgages!

Assume that ~80% of those homes were purchased more than a couple years ago and locked in a low rate.

That's 1 in 5 homes, give or take.

Most likely:

- The homeowner has no idea this is possible
- The realtor has no idea this is possible

How do I know? My wife is a realtor and this concept is foreign to most of the agents she talks to.

Guess what the monthly savings is on a $500k house on a 7.5% vs 3% mortgage?

$1,300+!

If you live in the home for 5 years you'll save $78k. It's worth a little legwork on the front end, trust me.

Here's what you do:

1. Go house shopping online.

2. Find 20-30 homes that you like.

3. Take this message and copy/paste it to all the agents via text:

Hello! I LOVE your listing on 123 Maple. Do you know if the mortgage is assumable (FHA, USDA or VA loan)?

VERY interested if so! Please let me know.

I'd be interested in using you as my buyer's agent as well. - firstname

Lots of **IFs going on here:

- The seller might not want you to assume the mortgage

- The realtor might not respond

- Your state may not allow "dual agency," AKA the realtor represents both parties

- You might not even want to include that dual agency offer in your text. The idea is to incentivize the agent to get creative and not ignore your request. They'll make twice as much!

- With FHA loans you'll need to pay mortgage insurance, which you may need to pay no matter what

- You may need to put more money down, to cover the delta between the purchase price and loan amount.

BUT, you don't have to be a veteran to assume a VA loan.

You can also use a buyer's agent to ask around and find an assumable home for you.

There are 2,700 homes for sale in Dallas, TX. 7 of those have the word assumable in the description.

Get to work!

Would love a follow @mhp_guy if you found this helpful.

[R.E. Cost Seg @recostseg]

We agree.

Here’s a better method:

1. Buy property
2. Cost segregate and depreciate the purchase price
3. Use that loss to offset the income
4. End up with all cash and little to no tax
5. Repeat

We help our clients do this every day, all day.

[Flowseidon @kiantrades]

$AFRM 47C 12/29exp $270K 1.64 avg
#flowseidon

[Flowseidon @kiantrades]

Holy shit had no idea @ThetaWarrior was following me. Wow, I’m honored. Guy is an elite chartist

[Nick Huber @sweatystartup]

Twitter is the most valuable country club in the world when it comes to networking.

But if you're following the meme accounts and talking politics you might as well be out back smoking cigs with the cart boys.

Here are the accounts to follow if you want to get RICHER:

[Nik @Anikkibaby]

@t0nit0ne Q

[WhitTheHelly @WhitneyChanell]

Small Business Owners: Don't miss out on all of this free money!

Here are 11 small business grants you can apply for today to help get your business off the ground or take it to the next level:

[тecн вαвe α. @misspectechular]

Whenever I come across a job description I want to fully understand what the role entails, I just go to ChatGPT and use this prompt:👇🏾

“Break this job description down into layman’s terms. [paste job description]” 🫰🏾🙂

[Sean Silverman: Silverman Bar Exam & LSAT Tutoring @BarExamTutor]

Simplest way to deal with these annoyingly tricky questions:

no intent to kill --> no attempted murder

4 ways to commit murder, one of which is intent.

but only 1 way to commit attempted murder (intent).

[The Jobfather ® 🇯🇲🇨🇦🇬🇧 @TheJobfather__]

Chances are interviews will be done on a video call right now, so you can have notes out of camera to help.

I'm being real, sometimes have a cheat sheet to remind you of certain information, can save you from bombing an interview.

Include these on your cheat sheet:

[Kenneth. J @Theselfcareking]

You know who failed that 14 year old kid, the black men standing around watching a man assault a woman and not do anything. No one stepped in prior to it escalating. Steady want to talk about being men and leaders until it’s time to be one