text:
Soon all four girls were naked and standing close together. Almost immediately one hand went into her shorts and the plaln one went up her T-shirt. Little Kelly felt a strange feeling taking over her body and mind, a powerful want of MORE.
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By Gerard Salton
Provides a conception of indexing in a position to score index phrases, or topic identifiers in lowering order of significance. This ends up in the alternative of fine record representations, and in addition money owed for the position of words and of glossary periods within the indexing procedure.
This examine is regular of theoretical paintings in computerized info association and retrieval, in that options are used from arithmetic, computing device technology, and linguistics. a whole idea of info retrieval may well emerge from a suitable blend of those 3 disciplines.
Read or Download A Theory of Indexing PDF
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Additional resources for A Theory of Indexing
Sample text
Consider first the terms in inverse document frequency (\/B or IDF) order, characterized by the frequency distributions of Table 3. The best terms are those with total frequency Fk = Bk = 1. While these terms exhibit low ranks, they are unlikely to provide optimal retrieval results because of their excessively low occurrence frequencies. Indeed, the virtue of the IDF significance measure for retrieval purposes appears to stem from its use as a combined weighting system with the standard term frequency values.
It is clear from the results of Table 16 that the information value process does not lead to satisfactory output; in each case, the frequency-based weighting process is considerably superior. A final answer concerning the merits of the information values must await a larger test in a more realistic user environment. 6. A theory of indexing. A. The construction of effective indexing vocabularies. The material presented up to now does not immediately lead to the generation of optimal indexing strategies valid in all environments.
Before some of the remaining terms may be chosen for content identification. The number of common function words included in a standard stop list may range from 50 to about 200, depending on the system in use. Since the significance measures described previously can be used to assign to each term a value reflecting its importance for content analysis purposes, one may inquire whether savings are possible by reducing the indexing vocabulary to some optimum size. In particular, following the elimination of the common words included on the stop list, the remaining terms might be arranged in decreasing order of their term weights—for example, in decreasing discrimination order—and terms whose value falls below some given threshold might be eliminated.
A Theory of Indexing by Gerard Salton
by Jeff


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Most Helpful Girl
I guess get it if your really want,whats the harm?Individuality rocks.:)
I guess get it if your really want,whats the harm?Individuality rocks.:)
Have an opinion?
how is one both clean-cut AND flashy? lol. anyways, based on how you describe yourself, I think designs on the side would look good.
ahhah, I meant clean cut like, I get my haircut every 2 weeks so it always stays fresh, shave every day. Clothes stay neat and clean and looking like new. people still ask me if shoes that I've had for like 3 years are new if its the first time theyve seen em loll, I guess youu could say I stay fresh and flashy (sounds corny as hell though don't you think?) its hard to explain, and by flashy I meant like, I always wear 1 or 2 chains, (if 2, I keep the little 1 I always keep on that's under my shirt)
a watch (usually a g shock) a bracelet, and a ring. For clothes (I was gonna post a link to a shir tthat I wore today but apparently I'm not a high enough level to -__-) Basically I wear fitted tees with strong contrasts and sharp designs. Then match everything from shoes to hat to belt to watch etc. else to it. I feel like I'm writing a book here so I'm gonna stop now :)
loll I get it :) and your style sounds really... 'in' lol
loll 'thanks' a few guys wear similar shirts. don't really match the the extent that I do and nowhere near with the jewelry. people who don't know to me actually refer to me as "that kid with all the chains' so I hear :P I try and take the 'in' thing and put a twist on itt.
yeah long as it doesn't ttake over a bunch of your headd it'll be cute(:
dont do it, you will look like a douche, like the situation on jersey shore
hmm, could I ask how old you are? just to put things in perspective
im 18
Sounds good for you!:)
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|Allegro git: freetype error loading ttg fonts after android build changes
Member #12,377
November 2010
After the latest change to the android build configuration,
log is attached, but I keep getting this error: Freetype error code 85
I/allegro ( 1321): font E 1329: ttf.c:760 al_load_ttf_font_stretch_f [ 0.52383] Reading DejaVuSans.ttf failed. Freetype error code 85
I rebuilt freetype library (2.4.12) just in case, but nothing was ever wrong with it, because if I revert to the old android build, everything works fine.
Has anyone encountered this?
Trent Gamblin
Member #261
April 2000
To load ttf on Android, you have to store it in your APK uncompressed. I don't really know why yet, it's possibly a bug in Allegro but everything else loads fine. The "best" way I found to do that was to give it one of the "supported" extensions (this is really ridiculous, but that's the way it seems to be.) Then you have to open the file with al_fopen after setting the apk file interface, and load the ttf with al_load_ttf_font_f. This is sort of explained here, with the list of file extensions you can use (I know it's crazy, but my ttfs have a .gif extension android.)
The other way to do it is to use a lower SDK, but Allegro's increase the minimum Android version to 2.3... so I don't know if that's possible. You would then use the <aapt> section from the bottom of the project.properties file found in the last 5.1.x source release (or back in git history.)
Member #12,377
November 2010
That worked.
Trent Gamblin
Member #261
April 2000
It stopped working because that bit I mentioned in the last paragraph from project.properties was removed because it was incompatible with the 2.3+ SDK. There might be a way to fix that and add it back, but in the end I think it's better not to. Without it, your APK gets compressed which is a good thing.


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Chrome extension application write file on disk for cash register
Budget €30-250 EUR
Project consists in writing a chrome app/extension in order to be able to integrate with an web app and writhe some data in a disk file. My web app use this chrome app and send commands for triggering the cash register.
Tildelt til:
Authored 30+ extensions and chrome apps. You can write to disk files only if it is a chrome app. In case of extensions we will need to manually select file save and then only we can write to disk. Let's talk details Flere
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"Published on Feb 7, 2018 by BuzzyNews UK
FORMER GREEK finance minister Yanis Varoufakis has told Theresa May what he believes she should do to ensure that Brexit is a success.
Mr Varoufakis told the Prime Minister to stop the Brexit negotiations right now, as neither side wants a mutually advantageous deal.
The former finance minister also claimed that the negotiations were designed to fail, as he said the UK should seek a Norway-style agreement.
When asked whether the Prime Minister should seek to leave the European Union without a deal, Mr Varoufakis said that would be the "worst option.
He said: At the same time these negotiations are designed to fail.
The tragedy we are facing in Europe and in Britain is that neither the British Government nor the representatives of the European Union are interested in a neutrally advantageous agreement. This is a political failure.
My advice to Theresa May is very simple, stop these negotiations.
They will produce discontent and a very bad economic outcome and simply file an application for a Norway-style agreement.
The former Greek finance minister was then asked again by the Bloomberg reporter if it would be best for Britain to just walk away from the EU without a deal.
He replied: No, not at all. Britain has been so integrated into the infrastructure of the European Union that, what you call a clean break, I call a hard-Brexit is going to sever those links.
That would be detrimental to the vast majority of people in Britain.
The Norway-style agreement would allow them to respect Brexit, outside the European Union while maintaining a period of continuity, which is absolutely essential.
Adopting a Norway-style agreement would mean Britain would stay in the single market but would have to accept the EUs freedoms, including freedom of movement.
The comments come as the EUs chief Brexit negotiator Michel Barnier warned the UK that it had to make up its mind on what it wants from the next round of negotiations.
The Frenchman said: Mrs May has asked to benefit from the single market and the customs union for a short period after this.
The European Council has indicated its readiness to consider this request. The conditions are clear, very clear. Everyone has to play by the same rules. We need clarity on the UK proposals for the future partnership.
The only thing I can say, without customs union, and outside the single market, barriers to trade and good and services are unavoidable. Time has come to make choice.
In response, the Brexit Secretary insisted that the UK had been perfectly clear in setting out what it wanted from the second round of talks.
This week Downing Street confirmed that Britain would be leaving the customs union when it leaves the EU."


text:
This content has been marked as final. Show 1 reply
1. Re: "₺" Symbol On Format Maskfac586 Jun 13, 2018 5:14 PM (in response to mrpele)
mrpele wrote:
I have a question. As you know, on interactive report we can use column format mask to show currency or else.
I use 'L' to show 'TL' (Turkish Lira) in my app. That is ok.
I created a workspace on apex.oracle.com. Then i uploaded the same app on it. When i run it, it shows '₺' symbol for 'TL'.
I want to use this symbol ('₺') on my app. But i couldnt do it. When i change app language and nsl settings, it shows '$' for dollar.
Also i am using the same version with apex.oracle.com. I wonder that why it is different on desktop?
Do you know a way to change currency symbol? What should i do?
Here is the screenshot of apex.oracle.com
and on my system
Apex 18.1
Please provide the following information (as text, not screenshots):
- Full details of your environment (most of this information can be found in the "About Application Express" dialog (? > About on the App Builder toolbar)
- The results of executing
select * from nls_database_parametersin SQL Workshop
- The values of the following application globalization attributes:
- Application Primary Language
- Application Language Derived From
- The browser language settings


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3409 S Stone Creek Cir, Madison WI 53719 Sold for $240,000 on 03/29/2018
Features of 3409 S Stone Creek Cir, Madison, WI 53719
- Condominiums
- Status: Sold
- County: Dane
- Bedrooms: 2
- Full Bathrooms: 2
- Half Bathrooms: 1
- Est. Square Footage: 1,800
- Acreage: 0.0
- Elementary School: Chavez
- Middle School: Toki
- High School: Memorial
- Property Taxes: $4,433
- Property Tax Year: 2016
- Listing Company: First Weber Inc
Property Description for 3409 S Stone Creek Cir, Madison, WI 53719
3409 S Stone Creek Cir, Madison, WI 53719 - Dazzling town house condominium filled with light, style and flair awaits!! Living room with soaring windows and ceilings, gas fireplace, built-ins and hardwood floors. Open layout offers fabulous kitchen with new stainless steel appliances, solid surface counters, island and pantry!! Master suite offers spacious bath with ceramic tile and walk in with closet organizers!! Unique stack stone walls give the home personal pizazz!! Fantastic lower level with recessed lighting and ample storage. Patio over looking green space. Updates galore!! Opener 2016, furnace\AC 2016...
Room Dimensions for 3409 S Stone Creek Cir, Madison, WI 53719
- Kitchen: 9.0 x 15.0
- Living Rm: 12.0 x 16.0
- Utility Rm: 0.0 x 0.0
- Dining Area: 9.0 x 14.0
- Master BR: 11.0 x 13.0
- BR 2: 10.0 x 11.0
- Full, Partially finished, Poured concrete foundatn, Sump Pump
Interior Features
- Heating/Cooling: Central air, Forced air
- Water Waste: Municipal sewer, Municipal water Close to busline, Common Green Space
Building and Construction
- Townhouse
- Exterior: Patio, Private Entry
- Construction Type: E
Land Features
- Waterfront/Access: N
|MLS Number
|New Status
|Previous Status
|Activity Date
|New List Price
|Previous List Price
|Sold Price
|Offer-No Show
|Mar 29 2018 8:46AM
|Offer-No Show
|Feb 5 2018 8:46AM
|Jan 29 2018 9:47AM
Estimated Monthly Payment
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Community Homes Near 3409 S Stone Creek Cir
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The information which is contained on pages with property data is obtained from a number of different sources and which has not been independently verified or confirmed by the various real estate brokers and agents who have been and are involved in this transaction. If any particular measurement or data element is important or material to buyer, Buyer assumes all responsibility and liability to research, verify and confirm said data element and measurement. Shorewest Realtors is not making any warranties or representations concerning any of these properties. Shorewest Realtors shall not be held responsible for any discrepancy and will not be liable for any damages of any kind arising from the use of this site.
REALTOR *MLS* Equal Housing Opportunity


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text:
Mathematical Problems in Engineering
Volume 2014, Article ID 913897, 14 pages
Adaptive Linear and Normalized Combination of Radial Basis Function Networks for Function Approximation and Regression
1School of Information Science and Technology, Xiamen University, 422 Si Ming South Road, Xiamen, Fujian 361005, China
2School of Science and Technology, The Open University of Hong Kong, 30 Good Shepherd Street, Ho Man Tin, Kowloon, Hong Kong
Received 2 November 2013; Revised 28 February 2014; Accepted 28 February 2014; Published 30 March 2014
Academic Editor: Wei Bian
Copyright © 2014 Yunfeng Wu et al. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
This paper presents a novel adaptive linear and normalized combination (ALNC) method that can be used to combine the component radial basis function networks (RBFNs) to implement better function approximation and regression tasks. The optimization of the fusion weights is obtained by solving a constrained quadratic programming problem. According to the instantaneous errors generated by the component RBFNs, the ALNC is able to perform the selective ensemble of multiple leaners by adaptively adjusting the fusion weights from one instance to another. The results of the experiments on eight synthetic function approximation and six benchmark regression data sets show that the ALNC method can effectively help the ensemble system achieve a higher accuracy (measured in terms of mean-squared error) and the better fidelity (characterized by normalized correlation coefficient) of approximation, in relation to the popular simple average, weighted average, and the Bagging methods.


text:
The Wilmette Beacon 041218
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42 | April 12, 2018 | The wilmette beacon real estate wilmettebeacon.com The Wilmette Beacon's What: A 5 bedroom, 5.1 bath home Where: 314 Wilshire Drive East, Wilmette SPONSORED CONTENT of the WEEK Brought to you by: FOR ALL YOUR MORTGAGE NEEDS 664 N. Western Ave., Lake Forest, IL 60045 Phone: (847) 234-8484 thefederalsavingsbank.com Jan. 4 • 2021 Chestnut Ave., Wilmette, 60091-1511 - Charles M. Falcone to Jane M. Jorgensen, $127,500 The Going Rate is provided by Record Information Services Inc. For more information, visit www.public-record.com or call (630) 557-1000. Amenities: This solid-built, all-brick home was built in 2006 and is set on a large lot on a quiet street. Grand and luxurious, this spacious home offers a life of relaxation and comfort. Living is spread over three levels with the fully-finished basement. The main living spaces are located on the entry level, offering plenty of space for entertaining, relaxing, or enjoying quality family time. A wellequipped kitchen with large island is open to both the breakfast nook and family room. Here, a fireplace creates a cozy space everyone can enjoy, and there is also a walkout to the rear, paved patio and pergola with views over the backyard. A light filled office, powder room and access to an attached double garage complete the layout. The upper-level houses four bedrooms, including the grand master suite complete with a beautiful fireplace, hardwood floors, huge walk-in closet and impressive ensuite. The three additional bedrooms all have beautiful hardwood floors and built-in closets, plus access to an ensuite bathroom. A laundry room completes this level. The lower-level houses a fifth bedroom, plus a huge recreation room with built-in bar, den with fireplace, a full bathroom, utility room and lots of storage. A great range of community highlights are within easy reach, including Centennial pool, Wilmette Recreation Center, K-8 schools, public parks, and the Edens expressway. Asking price: $1,150,000 Listing Agents: Heidi Ziomek, 1567 Maple, Evanston, (847)‐840‐4663 (HOME), firstname.lastname@example.com, www. heidiandmarty.com
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Healthy Living 2019
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Register today for the Junior Citizen Science Festival: A free event for elementary-age students on March 3
Scottsdale, Arizona – Ready to be a scientist? Kids, bring your family out for an adventure that provides a look into the mysteries of the Sonoran Desert and the McDowell Sonoran Preserve! Learn how scientists study the environment and how you, as a citizen scientist, can take an active part in increasing your knowledge of our natural world. The Junior Citizen Science Festival features more than 15 hands-on, interactive learning stations that immerse you in the wonders of our natural world.
"This event will connect people with the Sonoran Desert. Youth and families can share an experiential day learning about how scientists and members of the general public – citizen scientists – study our environment," explained Tiffany Sprague, manager of the Conservancy's research arm, the McDowell Sonoran Field Institute.
"We want to help prepare our youth for the future by ensuring that students in our community have exposure to cool science learning opportunities in the Preserve," added Debbie Langenfeld, steward and Citizen Science chair at McDowell Sonoran Conservancy.
Event details:
- Date/time: Saturday, March 3, 9 a.m. – 2 p.m.
- Venue: Lost Dog Wash Trailhead is located at 12601 North 124th Street, just north of Anasazi Elementary School.
Participants, who must be accompanied by an adult, can visit as many of the activities as they wish, but those who complete at least eight activities will earn a special certificate. Participants who pre-register will receive a special Junior Citizen Scientist bag loaded with fun, educational items. The event is made possible by grants from Cox Communications, Thunderbirds Charities, Bass Pro Shops, Arizona SciTech Festival, Arby's and the City of Scottsdale.
Register today at www.jcsf2018.eventbrite.com!
"We look forward to hosting Arizona children in the beautiful McDowell Sonoran Preserve and witnessing their awe and wonder as they learn about science," says Justin Owen, executive director at McDowell Sonoran Conservancy.


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- John Solheim of Karsten Manufacturing, maker of the Ping product line
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- Ely Callaway, Callaway, manufacturer of Big Bertha clubs
"While there may be exceptions that we are not aware of," Fay said, "we expect that all clubs that (already) have been submitted to the USGA will satisfy the new standard."
- David Fay, USGA executive director


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Great gym with huge floor space and equipment. Free weights area has lots of benches and Dumbbells for even busy periods. Two racks with 20kg bars, one spare and two smith machines. Couple of half and ez bars too. Upstairs has loads of matrix cardio machines like treadmill, cross trainer, stepper and bikes. Trx suspension area and kettlebells from 4kg to 20kg. Studio for 40 classes a week.
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End Of Layer Cake
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Tbh if it somehow did appear out on DVD/Blu-Ray, Netflix shows normally Do not appear till just like a 12 months following release on their platform.
The Create-up prior to deciding to truly understand what San Junipero is can make for an enticing secret, and also the twists and turns as you know the legitimate tales at the rear of the residents, and the two Women of all ages especially is coronary heart-wrenching.
Soldiers are exterminating mutated humans called "roaches" inside a foreign state, using a neural implant called MASS, which enhances their senses and presents instant information by way of augmented actuality. When soldier Stripe encounters various aggressive roaches, one of these uses a mysterious machine that disrupts his MASS interface. The following day, Stripe commences viewing roaches as people, and tries to conserve a frightened female from his fellow female soldier, Hunter. The girl tells him that MASS disguises the fact that roaches are standard human beings, hated by each day civilians as a consequence of propaganda and prejudice.
don't have anything on Rosemarie DeWitt's Marie, the baddest Mother of all. She thinks she's only obtained her daughter's ideal pursuits at coronary heart when she signs the girl up for an experimental program that livestreams her vision to mommy's iPad, but the moment youthful Sara hits her teenager many years, she doesn't see the flagrant violation of her private privacy this way.
Documentarian Ken Burns takes a swing at baseball, chronicling the Activity's signature folks, places and events and its deep-rooted marriage to American lifestyle. The pastime's record unfolds more than nostalgic, instructive "innings."
Ty Cobb is talked over in depth (the title of the inning arises from among his many estimates). Many of your offers utilized In this particular inning and of one other early innings are taken from Lawrence S. Ritter's The Glory in their Periods.
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Type nineteen-calendar year-old get more info Kenny downloads an anti-malware plan to repair his infected notebook. Unbeknownst to him, This system activates his laptop digital camera, which data him masturbating to World-wide-web porn. Hackers threaten to e-mail a online video of his act to his full contacts list, Until he follows their Guidelines. An additional target of the hackers presents Kenny a box with a cake inside of, which he then has to provide to Hector, a person remaining blackmailed over infidelity. Kenny and Hector enter into an assigned motor vehicle and generate to your bank, which they need to rob employing a gun hidden inside the cake.
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A few interconnected tales of technological know-how operate amok throughout the Xmas check here season are advised by two Adult men in a remote outpost within a frozen wilderness.
The loss of home operate power and betrayal into the game's earlier, combined with the meteoric increase of soccer, lead to many to show their back again on baseball. Growth and labor are main topics In this particular inning.
Just after failing to impress the judges over a singing competition show, a woman will have to both conduct degrading acts or return into a slave-like existence.
A girl eager to Increase her social websites score hits the jackpot when she's invited to a swanky marriage, however the trip would not go as prepared. website Director:
Baseball is similar to Burns' past documentaries such as The Civil War, in the usage of archived pictures and film footage blended with interviews for visual presentation. Actors give voice more than reciting prepared work (letters, speeches, and many others.
- 82 Visitors


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Altrincham Soul Club-Annual Charity Night - Altrincham
LMRCA Railway Club - Altrincham WA141LJ GB
Altrincham Soul Club-Annual Charity Night
Event Information
Join us at our fantastic new venue for 2018!
Kicking things off with our annual charity night in aid of Macmillan Cancer Support. There will be a limited amount of CDs available to purchase at £2 each with proceeds from the night and CDs going to Macmillan.
Michael Taylor, Mark Taylor & Nick Mckinnon playing the very best in Northern Soul, Tamla Motown, Modern & Crossover!
Doors open at 8pm! See you there folks :-)
Venue Map
Venue AddressLMRCA Railway Club, Altrincham, Cheshire, WA141LJ, United Kingdom
Contact the venuePlease contact the venue to confirm event and admission details before travelling
Members Comments
Hit the down arrow below to switch 3 reviews / 11 comments


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Paintball Show will be the first monthly TV program entirely dedicated to the fast-growing sport of paintball. These 26-minute features will focus on all aspects of paintball, from tech tips, to insider player info and coverage of the world's top paintball league like Europe's Millennium circuit. You'll learn ¬everything you need to know about the rules, the strategies, the key players, the gear, and of course… the fans, who come by the thousands to cheer on their favorite teams.
This show will be broadcast on Eurosport 2, Eurosport Asia and Pacific, and eurosport.com. Eurosport is the leader in European sports coverage, accessible in 20 languages and broadcast to 112 million homes—that's over 240 million viewers in 59 countries.
The broadcast schedule for the first show :
Channel:Eurosport (814)
Date:Sunday, December 21, 2008
Time:10:30:00 AM
Synopsis:The Paintball Show


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European Banking and Financial LawBy: Pierre de Gioia-Carabellese (author), Matthias Haentjens (author)Paperback
Only 1 in stock
DescriptionIn recent decades, the volume of EU legislation on financial law has increased exponentially. Banks, insurers, pension funds, investment firms and other financial institutions all are increasingly subject to European regulatory rules, as are day to day financial transactions. Serving as a comprehensive and authoritative introduction to European banking and financial law, the book is organized around the three economic themes that are central to the financial industry: (i) financial markets; (ii) financial institutions; and (iii) financial transactions. It covers not only regulatory law, but also commercial law that is relevant for the most important financial transactions. It also explains the most important international standard contracts such as LMA loan contracts and the GMRA repurchase agreements. Covering a broad range of aspects of financial law from a European perspective, it is essential reading for students of financial law and European regulation.
About AuthorMatthias Haentjens is Professor of Financial Law and director of the Hazelhoff Centre for Financial Law at Leiden University. Pierre de Gioia-Carabellese is Associate Professor of Business Law at Heriot-Watt University, Edinburgh.
ContentsPart A: Introduction 1. Sources of European financial law Part B:Financial Markets 2. The stock market 3. Market abuse 4. Financial consumer protection Part C: Financial Institutions 5. The bank and its organisation 6. Bank supervision 7. The bank and its insolvency 8. The investment firm and fund Part D: Financial Contracts 9. Custody and transfer of money and securities 10. Loan finance 11. Derivatives 12. Collateralised finance 13. Structured finance
Product Details
- publication date: 12/06/2015
- Format: Paperback
- Number Of Pages: 258
- weight: 420
Delivery Information
- Saver Delivery: Yes
- 1st Class Delivery: Yes
- Courier Delivery: Yes
- Store Delivery: Yes


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Using artificial intelligence to surprise your customers
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Channel Seven viewers are being given the opportunity to watch the 2016 Olympic Games in Rio with a 360-degree view after the broadcaster announced it will offer virtual reality footage digitally.
The 7Roi VR 2016 app will include up to 100 hours of VR and 360-degree programming stretching from footage of the opening and closing ceremonies through to men's basketball, gymnastics, track and field, beach volleyball, diving, boxing and fencing. On-demand highlights from each day will also be available from Channel Seven's Facebook presence.
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We have expected artificial intelligence (AI) will become part of our everyday lives for quite some time.
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This newly renovated 2017-18, directly oceanfront home, with accompanying two newly renovated 2016 guest cottages offers it's vacationers the unique experience of seaside living at your doorstep. It is a perfect setting for getting together with families and friends with closeness and privacy. The property accommodates 16 among the three cottages. Breath-taking views of Nantucket Sound on a safe, sandy, warm water beach highlight this rental which includes 3 houses, with 7 bedrooms, 4 full bathrooms and 3 kitchens. Newly installed central air conditioning and heat are provided in all three cottages for your comfort. Enjoy the luxury and relaxation of living by the ocean's edge, smelling the salt air, feeling the southerly breezes, bathing in the warm salt water, catching a fish from the jetties, or collecting shells at low tide. Or, you can just sit and watch the waves and the boats sail by.
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Each of the additional two cottages can accommodate a family of five. Each cottage has wood floors, a full open kitchen with living and dining area, a full bath, two bedrooms, one bedroom has a queen bed, and the other bedroom a full bed with an above twin bunk bed (sleeps five total in bedrooms).
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I supply sheets, pillow cases, bedspreads, blankets, and pillows. A local linen service can be used for towels, baby strollers, cribs etc. that delivers and picks up at the houses. The kitchens are fully appliances with gourmet cookware and plenty of dinnerware for barbecues and entertaining. Parking is available for six cars maximum.
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Best Way to Start. Opinions needed.
7 Replies
John Byrne
from Philadelphia, Pennsylvania
posted over 4 years ago
Hello Everybody,
I posited a comment in the member introduction page a little earlier, but now I wanted to take the time to get some feed back and opinions on how to proceed with starting my REI career.
In my research I have concluded that there are 3 options for people who are just starting out in Real Estate Investing (in no specific order):
1. Wholesaling
2. Fix and Flip
3. Buy and hold for Rental Income
Because of our financial situation and me being a licensed Realtor the Fix and Flip and Buy and Hold strategies are the most appealing to me at this time.
My question to the community is if you had >$200,000 to invest into your real estate business would you begin by buying and fixing rehab properties or would it make more sense to begin to accumulate income producing properties.
One of my main motivations for wanting to begin to build a real estate investment portfolio is to free me from my 9-5 job to be able to spend more time with my family and focus on building the most solid financial foundatation as possible for our future. I am interested to see what this community think
Kenneth Huddleston
Real Estate Investor from Troutdale, Oregon
replied over 4 years ago
I think the way you should go about it is to team up with other rehabbers in the area for your first few deals. Assuming you have capital to put in, it shouldn't be hard. What you do is find a few investors, a deal, and you get a percentage of the profits equal to your contribution. So if all in all 250k was invested in the property and you payed 50k of it, you would get 20% of the profits. This way there is less risk while you are learning as you are working with experienced investors as well as you just have less skin in the game and as such less to lose. Then as you start to build connections and capital transition into rentals.
That's more of a personal question john because many would say go down the rental road for security, cash flow and what not especially since you have a family but It also depends on your drive and level of success you want to reach within the real estate industry.
The two scenarios:
1) If you purchased a house for cash flow ( income producing property)
You would be able to quit your job and be sustained by your cash flowing property. However.. I imagine that especially with a family at some point that money will not be enough.
2) Buying to flip
You wouldn't be able to quit your job quit as soon as you'd like BUT if you just endured that job a bit longer and thought about the future then bought to flip you can start to accumulate a lot more capital. At one point you will be able to purchase both rental income to sustain your family and STILL have capital left to flip a house. The time frame for this ? Really depends on you but think about it in one deal you could potentially double your money if bought for the right price in less than one year.
I hope i was able to both visually and financially paint these two scenarios for you.
Either way congratulations on wanting to make the first step into the industry best of luck !
John Byrne
from Philadelphia, Pennsylvania
replied over 4 years ago
@Adres Calderon
I believe it would take more than buying 1 rental property for me to quit my current desk job as the typical cash flow in my area with 20% down is probably around $200-$300 per month.
I have approximately $150,000 to begin operating with, I just want to make sure I am starting off right.
You have more than enough to flip. I would highly recommend looking into some auctions then.
There are great deals out there for example I bought a home for $52,000 didn't put a penny into it sold it within 3 months for $95,000.
Don't be afraid of thinking you are making a mistake go for it.
Andres Calderon
Andrew Syrios
(Moderator) -
Residential Real Estate Investor from Kansas City, Missouri
replied over 4 years ago
why not both?
Ben Leybovich
Rental Property Investor from Lima/Chandler, Ohio/Arizona
replied over 4 years ago
Is this about money or is this about time? You did not provide sufficient information about yourself to be able to cater an intelligent comment. What is your life-style now? What do you want it to be? Is time more valuable or is money? Notice, this has nothing to do with RE...
I will offer a general comment by saying that while none of the 3 things you listed are completely passive, by pursuing wholesaling or flipping you will simply be trading a 9 to 5 job for a 7 to 11 job. If anyone tells you otherwise, they are lying to you. Long-term holds can be positioned to be more passive, though not completely passive either.
Bottom line, what you want and why underpins the issue of which strategy to pursue.
Good Luck!
Lior Solomon
Investor from Demarest, New Jersey
replied over 4 years ago
I totally agree with @Kenneth Huddleston
Starting small always works to get your feet wet.
I'm also just starting and I'm about to close on my second deal. the amount of info I've learned from taking action would have take months of reading and podcast listening.
If there are 2 main mantras I'm sticking to in my early stages:
1. Feel comfortable with your decision. it took me some time to realize what am I comfortable with (location, investment type, budget etc)
2. Just do something. I believe that executing a deal teaches you so much.
Good luck
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