I ran multi-million dollar enterprises as Sales Manager, General Manager, and Owner/CEO. In 1992, I became a Lic. Real Estate Broker in 1992 and maintained a small office in Gulf South Center while still working in the Travel Industry. I am still licensed as a Broker now in 2014. My specialty is in Investment and sale-by-owner properties.
09-11-2020 11:14:59 AM CST
This was kind of like what you see in the movies with all of the large paychecks. We were living in a fantasy world of glitz and glamour although making 200 cold calls every day has its drawbacks. I can remember going for happy hour beers and appetizers at rocky point near the beach in Tampa. Then it was back to the office to cold call for a couple of hours before heading home for the evening.
09-11-2020 11:11:01 AM CST
Thanks to Steve Hanson (General Manager) and Pete Ruskin ( owner- retired now fishing in the keys.) Allstate homes literally were 40% responsible for developing north Tampa. This was a multi-generational operation that reined in the 1970s, and in my opinion strained to find their real identity in the new millennia, however, they are fully operational and I would say all the bills are paid in full and the company is profitable.
09-11-2020 10:17:14 AM CST
I always told the wise-guys that nobody scared me and that I will take my badge of honor to the death. I was down for the count and fear was not a word in my vocabulary. I brought in a lot of "funny money" which stunk like mold from the boys.
Eligible small businesses, private non-profits and agricultural businesses may apply for the Economic Injury Disaster Loan here.
In response to the Coronavirus (COVID-19) pandemic, small businesses, including agricultural businesses, and non-profit organizations in all U.S. states, Washington D.C., and territories can apply for an Economic Injury Disaster Loan (EIDL). The EIDL program is designed to provide economic relief to businesses that are currently experiencing a temporary loss of revenue due to COVID-19. EIDL proceeds can be used to cover a wide array of working capital and normal operating expenses, such as continuation to health care benefits, rent, utilities, and fixed debt payments.
On June 15,SBA resumed accepting new Economic Injury Disaster Loan (EIDL) applications from all qualified small businesses, including agricultural businesses, and non-profit organizations.
EIDL Advance Discontinued
Note: All available funds for the EIDL Advance program have been allocated. By law, SBA is not able to issue EIDL Advances once program funding has been obligated and is no longer available. EIDL loan applications will still be processed even though the Advance is no longer available.
Information on how the EIDL Advance worked
The amount of the EIDL Advance was determined by the number of employees indicated on the EIDL application at $1,000 per employee, up to a maximum of $10,000.The EIDL Advance does not have to be repaid. Recipients did not have to be approved for an EIDL loan in order to receive the EIDL Advance, but the amount of the loan advance is be deducted from total loan eligibility.
The new eligibility for agricultural businesses with 500 or fewer employees is made possible as a result of additional authority and funding appropriated by Congress in response to the COVID-19 pandemic.
Agricultural businesses includes those businesses engaged in the production of food and fiber, ranching, and raising of livestock, aquaculture, and all other farming and agricultural related industries (as defined by section 18(b) of the Small Business Act (15 U.S.C. 647(b)).
If you’re new to budgeting, it’s important to understand what a budget is and how it helps you examine what you earn and how you are spending that income. A budget is a financial plan that takes income and expenses into account and provides estimates for how much you make and spend over a given period of time.
Addressing your financial situation and distinguishing between needs and wants is an important first step before creating your annual budget. Acknowledging areas where you are overspending can be an eye-opening experience. Creating a budget and sticking to it can help you save and reach your short- and long-term financial goals. This is not a one-time exercise. Revisit and rework your budget if you have a financial windfall or setback so it reflects your current situation.
Ready to get started? Understanding the following key components will help you as you begin to build a monthly or annual budget:
Fixed expenses are expenses that stay the same from month to month, such as rent payments.
Flexible expenses are expenses that change from month to month, such as how much you spend on utilities.
Total expenses are the combined amount of your fixed and flexible expenses.
Total monthly income is the income from your job or other resources including investment dividends, pensions, Social Security benefits, rental income and more.
Disposable income is the money you have left over after you subtract your income taxes from your income.
The next step is to create your monthly budget using this basic Budget Worksheet. If you find you are not able to stick to your budget, it may mean you are spending beyond your means or that your budget is not flexible enough. Take the time to review and readjust your budget monthly until you find a plan that works for you.
If you’re looking to budget for specific goals, check out our budgeting calculators — they’re powerful tools for exploring ways to manage your finances:
Mr. Cambas decided to venture back into travel and he understood he needed money and power. What better way to gain money and power than to merge his operations with the Ciaccios. Steve, Joe, and Jimmy have been friends of the family for years all the way back to 1973. Gaspar Ciaccio, the father was personal friends of my father E. Earl Cambas. So as far as the Mafia connections, this is only conjecture. The movie "Good Fellas" had the Henry Hill gang coming to collect money from Mr. Ciaccio Sr, and this event landed several persons in jail in New York on conspiracy and racketeering charges. When the Henry Hill gang flew to Tamp to collect on a $120,000 bet that was owed to the New York Capposthey beat him and pistol-whipped him. Thankfully, Gaspar escaped the beating and was able to make good by calling a Doctor friend who fronted him the amount to satisfy the debt. This is all represented in the book "wise guys," and later was conveyed in the movie "Good Fellas," starring Joe Pesci, Robert DeNiro, and Ray Liotta. Since Gaspar's wife saw him all beat up and bloodied she contacted the authorities. It turns out that she was a secretary for the Tampa FBI. The case landed several mob bosses and lieutenants in prison. In addition, the scandal gained a ton of publicity from the authorities and the public at large. A lot of the witnesses in the case died sudden unusual deaths prior to testifying which never were proven to be nefarious.
Ξεκινάει, από την Αίγυπτο, η 1η προσπάθεια εξαγωγών, με σκοπό να γνωρίσουν και άλλες χώρες τα κρασιά και τα αποστάγματα των ελληνικών Μεσογείων. Το κονιάκ γνωρίζει μεγάλη επιτυχία στην Αίγυπτο, πουλώντας 40.000 κιβώτια ετησίως, ξεπερνώντας ακόμα και τα αντίστοιχα γαλλικά.
Verify seller has the title(s) and he/she is listed as owner: Ask to see the title(s) during your initial walk through of the mobile home. The seller may be willing to text message a picture of the title(s) to you to verify information.
Check for back taxes: Contact the DMV office in the county the home is located. Call with the mobile home’s serial number or VIN to verify taxes are current. Important: Taxes must be current prior to title transfer. If purchasing the home and the taxes are past due then you may want to deduct this amount from the purchase-price you will give to the seller. This way you can pay the back taxes at the time you transfer title in the near future.
Check for hidden liens: Contact the DMV office in the county the home is located. Call with the mobile home’s serial number or VIN to verify there are no unexpected liens you don’t know about. These liens may or may not be listed on the mobile home’s title(s) in the “Lien’s Holder’s” section of the title(s).
If inside a mobile home park aim to speak with the community manager to 1.) become park approved, 2.) verify the seller is current on all payments, 3.) ask for a copy of the park rules, 4.) ask if lot rent is increasing in the near future, and 5.) if the park manager see any needed improvements to the mobile home if/when you purchase the home?
No title or missing title? Contact the local DMV office in your area to ask for further instructions moving forward. Have the mobile home’s VIN or serial numbers available when you make this phone call.
Paperwork needed: Title or Titles (must have), Bill of sale (You may create this by hand or this generic Bill of Sale here.) No notary is needed. One title per section of mobile home; a double wide will have 2 titles.
Pro Tip: If purchasing the mobile home perform one last walk through before closing and handing over any money. The seller wants your money just as bad as you want the property. If there are any surprise repairs needed or trash/furniture you may have to remove it.
Homebuying is an increasingly digital process. Today, 80% of homebuyers conduct internet research when considering homes to buy, and 89% use the internet to find real estate agents. In fact, millennials are currently the largest group of homebuyers (at 34% and growing). Documents can be signed virtually, homes can be viewed by video, and realtors are expected to be online.
So where should you begin? Start with a strong email marketing strategy. Formal, impersonal letters no longer do the trick.