#virginia application development services

[floralitys]

Statement Concerning Current Events/Allegations

This statement is to address the current false allegations against Florality, brought forth by this carrd. https://florality-beware.carrd.co/ We will address the points made within it and other sources of allegations.

This statement may contain sensitive and/or distressing content. Please read at your discretion.

We will first acknowledge the allegations of tracing by our designer. No such action has ever taken place, and our designer, Planettitan, has provided proof that all the artwork he has contributed to this project were made from scratch, and he has stated that he has only referenced 3D models in the process of making said artworks. Proofs of all art contributed to the project being original works may be found in this Google Drive folder. https://drive.google.com/drive/folders/1b7S66Kb9IWc3Pu9UIGn6CWmL26tLnqO7

Next we will address the accusations being spread by a Tumblr user.

We would like to preface by saying that the lead dev of Florality, Sebastian, has had no involvement in most projects that have been started by Halvex. Moreover, the topic of AI being used to prevent shoplifting is a bit of a moral dilemma, and we cannot comment on that. However, unlike as stated in the post, Syndia was not intended to be used by large corporations, but rather was intended to be used by small businesses that would be hurt by theft. However, after some consideration, it was then decided it would instead be used for weapon/threat detection.

Moving on to the allegations of AI usage by Halvex and the lack of a Privacy Policy and TOS, our lead developer Sebastian has this to say on the matter:

"Our Privacy Policy and Terms of service does exist since its on our GitHub. Its just a problem with Vercel that refuses to load them. Furthermore, with the AI-driven technologies this was back when we were creating a project called Syndia which was an AI vision project that was meant to prevent and stop school shootings at Universities since one of the founders goes to Virginia Tech which was a target of one of the most deadly shooting in 2007. We have since dropped the project and no-longer work with AI inside of our projects, this was back in 2024. Furthermore, Halvex and Florality are not the same entity. Furthermore, Starlis AI was a project made within a competition without Halvex's involvment. This was a personal project from Yatin who has stepped down from the Florality Project."

Most of Halvex has stepped away from the project, and at present the members of Halvex who remain on the project are Sebastian and Habeeb.

On the topic of Halvex, we would like to clear up some misinformation about said company. Halvex does not provide internet, and is not an ISP (Internet Service Provider). It is a bespoke software development company and network infrastructure company whom you must email in order to speak about working with them.

We would also like to note that while the lead dev of Florality is a singlet, he is very informed thanks to all of us on staff and info given by members of our discord server, and is not going about making this app blindly without knowing anything about DID/OSDD.

Finally, we'd like to address the concern of AI usage in Florality. We can assure you that no AI was knowingly or intentionally used during the making of Florality. However, some external packages were used in the making of Florality. There is a small chance that some packages could contain AI, though it is unlikely to be generative AI or any form of AI that can be harmful. Our dev has provided an explanation as to why Florality was made partially using external packages:

"We use external packages like NextJS (Framework built on top of react by vercel allows easier addition of server side components to the web-application) , TRPC (An API builder that allows for type safe API calls), React (Javascript Libary that allows for us to build complex UI's and stateful UI's on the browser) because if we didn't we would have to build everything from scratch which would have taken way more time and tech debt than if we did use packages. Some packages are required like Clerk because that is how we connect to our authentication service and it is a proprietary service."

Florality's Privacy Policy may be found here: https://floralitys.com/privacy

Florality's TOS may be found here: https://floralitys.com/terms

And lastly, you may also find Halvex's Privacy Policy here https://halvex.net/privacy

All us staff on Florality welcome your concerns, and invite you to contact us via email ([email protected]) or by opening a ticket in our discord server https://discord.gg/florality .

We furthermore ask that you please do not harass the creator of the carrd or any users involvedin the accusations, as that's not the intent of this statement.

We appreciate the community holding us accountable for any errors that occur on our end and mistakes we make, however we encourage the community to research and ask us questions rather than spreading misinformation, rumors, and other things that can harm the continuity of the project, as we are dedicated to creating a tool for people with DID/OSDD.We value all our users and thank you for your support of the project, and look forward to your continued support.

With love,

Team Florality.

[usafphantom2]

U.S. Air Force Testing New Sensors On The F-22

The F-22 recently tested multiple new sensors as part of the modernization, with plans for a rapid prototyping effort to field them and expand the capabilities of the jet.

Stefano D'Urso

F-22 new sensors

U.S. Air Force F-22 Raptors assigned to the 27th Expeditionary Fighter Squadron and Philippine Air Force FA-50PH light jet fighters conduct joint combined exchange training, above Basa Air Force Base, Philippines, on Aug. 9, 2024. (U.S. Air Force photo by Senior Airman Mitchell Corley)

The U.S. Air Force is testing multiple new advanced sensors on the F-22 Raptor, which could extend its service life and also be applied to systems of the Next Generation Air Dominance family. The info was disclosed during the Life Cycle Industry Days conference.

“The F-22 team is working really hard on executing a modernization roadmap to field advanced sensors, connectivity, weapons, and other capabilities,” said Brig. Gen. Jason D. Voorheis, Program Executive Officer for Fighters and Advanced Aircraft. “The Raptor team recently conducted six flight test efforts to demo advanced sensors.”

Voorheis also added that the service is planning for a rapid prototyping effort to get these sensors fielded quickly. “We’re executing that successfully, and that will lead to […] a rapid fielding in the near future,” he said.

The news was first reported by Air and Space Forces Magazine, which also added that Air Force officials have also confirmed that the stealthy pods seen since last year being tested on the F-22 are indeed InfraRed Search and Track (IRST) sensors. The development of a new IRST sensor for the Raptor was also confirmed by the service’s budget document, however they did not mention the sensor being podded.

The sensors are part of an upgrade program worth $ 7.8 billion before 2030, of which $ 3.1 billion are for research and development and the remaining $ 4.7 billion are for procurement. This is in contrast with previous statements that the Air Force was looking to retire the F-22 around 2030.

“From an F-22 sunsetting perspective, I don’t have a date for you,” said Voorheis when asked about the topic. “What I can tell you is that we are hyper-focused on modernization to sustain that air superiority combat capability for a highly contested environment for as long as necessary.”

This also reflects recent comments by Gen. Kenneth Wilsbach, head of Air Combat Command, who mentioned that the service should retain also the older F-22s in the Block 20 configuration, together with the latest ones. The General added that several upgrades are being planned and even the older Block 20s are still very capable, should they be needed for combat in an emergency.

An F-22 Raptor assigned to the 1st Fighter Wing, Joint Base Langley-Eustis, Virginia, approaches the boom of a 134th Air Refueling Wing KC-135R Stratotanker to refuel along the east coast of the United States Aug. 14, 2024. (U.S. Air Force photo by Tech. Sgt. Teri Eicher)

Voorheis also mentioned a software being integrated on the Raptor, which he defined as Government Reference Architecture Compute Environment, or “GRACE.” He further explained this open architecture software would allow “non-traditional F-22 software” to be installed on the aircraft and provide “additional processing and pilot interfaces.”

It’s unclear if the new GRACE is related to Project FOX, the innovation project tested last year which allowed to integrate on the F-35 software applications developed for the F-22. This allowed both 5th gen fighters to fly with common tactical software applications.

The F-22 upgrades

Some of the upgrades expected for the F-22 Raptor were unveiled in the Fiscal Year 23 budget request documentation and in an official artwork shared by Gen. Mark Kelly, then Commander of Air Combat Command. In the artwork we can see three Raptors loaded with new stealthy external fuel tanks, two underwing faceted pods and a new unknown air-to-air missile, but there are even more novelties in the documents, which unveils a previously undisclosed relationship between the F-22 and the development of the Next Generation Air Dominance (NGAD).

Two years after the upgrades were announced, we might have gotten, earlier this year, the first glimpse of the new stealthy external fuel tanks being developed for the F-22 Raptor. The aircraft was, in fact, spotted near the Mojave Air and Space Port and shows the Raptor with two fuel tanks, whose shape is reminiscent of the one shown in 2022.

The new tanks are officially known as Low Drag Tank and Pylon (LDTP) and designed to be stealthier and more aerodynamically efficient than the current 600-gallon fuel tanks. In the FY2023 budget request, the Air Force mentioned that the F-22 LDTPs are advanced technological designs providing increased persistence and range while maintaining lethality and survivability, critical to future mission execution and to maintaining Air Superiority.

U.S. Air Force Capt. Samuel “RaZZ” Larson, F-22 Raptor Demonstration Team commander and pilot, practices different maneuvers while training for the upcoming 2023 airshow season, at Joint Base Langley-Eustis, Virginia, Jan. 6, 2023. (U.S. Air Force photo by Airman 1st Class Mikaela Smith)

The low drag tanks are intended to reduce drag, facilitate supersonic flight with external tanks and extend the range of the F-22. The pylons are equipped with smart rack pneumatic technology to accurately control ejection performance and smooth wind swept surface for minimum drag without stores.

The two pods installed under the outer underwing hardpoints have already been spotted during flight testing on an F-22 at the Air Force’s Plant 42 facility in Palmdale, California, in February 2022. The latest budget documents mention an InfraRed Search and Track (IRST) sensor being developed for the F-22, which is now confirmed to be the sensor housed inside the two pods, although they could host also other capabilities in addition to the IRST.

In July 2024 we got an up-close look at one of the pods installed under a Rockwell Sabreliner 65 testbed after a test campaign at Nellis AFB, Nevada. It would have been expected to see some kind of transparent surface associated with the IRST, however the surfaces on the nose of the pod appeared to be opaque. We still cannot exclude that there are two different variants of the pod, depending on the equipment inside.

The last upgrade featured in the artwork is a new unknown air-to-air missile. While there are a number of air-to-air missile programs in the works, it is possible that the one in the image could be a representative design, which may or may not correspond to the real deal, for the highly secretive AIM-260 missile. So far, the missile has never been depicted in any kind of image and details about the program are very scarce.

The development of the AIM-260, also called Joint Advanced Tactical Missile, was first unveiled in 2019 and has been in the works at least since 2017. The goal of the new long-range air-to-air missile is to replace the AIM-120 AMRAAM (Advanced Medium Range Air-to-Air Missile) and counter the threat posed by the Chinese PL-15 missile, while avoiding any foreign threats being able to outrange the AIM-120.

Among the few known technical details, the new missile will be compatible with the AMRAAM dimensions, but obviously with greater range, and is planned to be carried in the F-22 weapons bay and on the F/A-18 at first, with the F-35 to follow. Flight tests are already in progress and the missile is expected to be fielded by next year. Because of these reasons, it would be reasonable to suppose that the one shown in the image could be at least a hint at the AIM-260.

Other upgrades mentioned in the budget request are a Mode 5 Identification Friend or Foe (IFF), Link 16 and Multifunction Information Distribution System Joint Tactical Radio System (MIDS JTRS), a new Operational Fight Program, advanced radar Electronic Protection, Embedded GPS/Inertial Navigation System (INS) Modernization (EGI-M), Open System Architecture (OSA), new encrypted radios.

File photo of the U.S. Air Force’s 5th gen aircraft, the F-22 and the F-35. (Photo: U.S. Air Force)

A new helmet is also being tested by F-22 pilots, as part of the Next Generation Fixed Wing Helmet program to replace the current HGU-55P helmet, which has been the standard issued helmet for the last 40 years. The goal is to provide pilots a more comfortable, stable, and balanced platform to accommodate helmet-mounted devices usage without imposing neck strain and discomfort to the user.

Despite various integration efforts in the past, the F-22 is not equipped yet with a helmet that provides the essential flight and weapon aiming information through line of sight imagery: the shape of the Raptor’s canopy, optimized to preserve Low Observability, doesn’t allow enough range of motion and minimum visibility to a pilot wearing the JHMCS or the Scorpion.

About Stefano D'Urso

Stefano D'Urso is a freelance journalist and contributor to TheAviationist based in Lecce, Italy. A graduate in Industral Engineering he's also studying to achieve a Master Degree in Aerospace Engineering. Electronic Warfare, Loitering Munitions and OSINT techniques applied to the world of military operations and current conflicts are among his areas of expertise.

@The Aviationist.com

[mariacallous]

The 18 cases left for this term before the summer recess:

New York State Rifle & Pistol Association Inc. v. Bruen, No. 20-843 [Arg: 11.3.2021 Trans./Aud.]

Issue(s): Whether the state of New York's denial of petitioners' applications for concealed-carry licenses for self-defense violated the Second Amendment.

Becerra v. Empire Health Foundation, No. 20-1312 [Arg: 11.29.2021 Trans./Aud.]

Issue(s): Whether, for purposes of calculating additional payment for hospitals that serve a “significantly disproportionate number of low-income patients,” the secretary of health and human services has permissibly included in a hospital’s Medicare fraction all of the hospital’s patient days of individuals who satisfy the requirements to be entitled to Medicare Part A benefits, regardless of whether Medicare paid the hospital for those particular days.

Dobbs v. Jackson Women’s Health Organization, No. 19-1392 [Arg: 12.1.2021 Trans./Aud.]

Issue(s): Whether all pre-viability prohibitions on elective abortions are unconstitutional.

U.S. v. Taylor, No. 20-1459 [Arg: 12.7.2021 Trans./Aud.]

Issue(s): Whether 18 U.S.C. § 924(c)(3)(A)’s definition of “crime of violence” excludes attempted Hobbs Act robbery, in violation of 18 U.S.C. § 1951(a).

Carson v. Makin, No. 20-1088 [Arg: 12.8.2021 Trans./Aud.]

Issue(s): Whether a state violates the religion clauses or equal protection clause of the United States Constitution by prohibiting students participating in an otherwise generally available student-aid program from choosing to use their aid to attend schools that provide religious, or “sectarian,” instruction.

Concepcion v. U.S., No. 20-1650 [Arg: 1.19.2022 Trans./Aud.]

Issue(s): Whether, when deciding if it should “impose a reduced sentence” on an individual under Section 404(b) of the First Step Act of 2018, a district court must or may consider intervening legal and factual developments.

West Virginia v. Environmental Protection Agency, No. 20-1530 [Arg: 02.28.2022 Trans./Aud.]

Issue(s): Whether, in 42 U.S.C. § 7411(d), an ancillary provision of the Clean Air Act, Congress constitutionally authorized the Environmental Protection Agency to issue significant rules — including those capable of reshaping the nation’s electricity grids and unilaterally decarbonizing virtually any sector of the economy — without any limits on what the agency can require so long as it considers cost, nonair impacts and energy requirements.

Marietta Memorial Hospital Employee Health Benefit Plan v. DaVita Inc., No. 20-1641 [Arg: 03.1.2022 Trans./Aud.]

Issue(s): (1) Whether a group health plan that provides uniform reimbursement of all dialysis treatments observe the prohibition provided by the Medicare Secondary Payer Act that group health plans may not “take into account” the fact that a plan participant with end stage renal disease is eligible for Medicare benefits; (2) whether a plan that provides the same dialysis benefits to all plan participants, and reimburses dialysis providers uniformly regardless of whether the patient has end stage renal disease, observe the prohibition under the Medicare Secondary Payer Act that a group health plan also may not “differentiate” between individuals with end stage renal disease and others “in the benefits it provides”; and (3) whether the Medicare Secondary Payer Act is a coordination-of-benefits measure designed to protect Medicare, not an antidiscrimination law designed to protect certain providers from alleged disparate impact of uniform treatment.

Ruan v. U.S., No. 20-1410 [Arg: 03.1.2022 Trans./Aud.]

Issue(s): Whether a physician alleged to have prescribed controlled substances outside the usual course of professional practice may be convicted of unlawful distribution under 21 U.S.C. § 841(a)(1) without regard to whether, in good faith, he “reasonably believed” or “subjectively intended” that his prescriptions fall within that course of professional practice.

Berger v. North Carolina State Conference of the NAACP, No. 21-248 [Arg: 03.21.2022 Trans./Aud.]

Issue(s): (1) Whether a state agent authorized by state law to defend the state’s interest in litigation must overcome a presumption of adequate representation to intervene as of right in a case in which a state official is a defendant; (2) whether a district court’s determination of adequate representation in ruling on a motion to intervene as of right is reviewed de novo or for abuse of discretion; and (3) whether petitioners Philip Berger, the president pro tempore of the state senate, and Timothy Moore, the speaker of the state house of representatives, are entitled to intervene as of right in this litigation.

Torres v. Texas Department of Public Safety, No. 20-603 [Arg: 03.29.2022 Trans./Aud.]

Issue(s): Whether Congress has the power to authorize suits against nonconsenting states pursuant to its constitutional war powers.

U.S. v. Washington, No. 21-404 [Arg: 04.18.2022 Trans./Aud.]

Issue(s): Whether a state workers’ compensation law that applies exclusively to federal contract workers who perform services at a specified federal facility is barred by principles of intergovernmental immunity, or is instead authorized by 40 U.S.C. § 3172(a), which permits the application of state workers’ compensation laws to federal facilities “in the same way and to the same extent as if the premises were under the exclusive jurisdiction of the State.”

Vega v. Tekoh, No. 21-499 [Arg: 04.20.2022 Trans./Aud.]

Issue(s): Whether a plaintiff may state a claim for relief against a law enforcement officer under 42 U.S.C. § 1983 based simply on an officer’s failure to provide the warnings prescribed in Miranda v. Arizona.

Nance v. Ward, No. 21-439 [Arg: 04.25.2022 Trans./Aud.]

Issue(s): (1) Whether an inmate’s as-applied method-of-execution challenge must be raised in a habeas petition instead of through a 42 U.S.C. § 1983 action if the inmate pleads an alternative method of execution not currently authorized by state law; and (2) whether, if such a challenge must be raised in habeas, it constitutes a successive petition when the challenge would not have been ripe at the time of the inmate’s first habeas petition.

Kennedy v. Bremerton School District, No. 21-418 [Arg: 04.25.2022 Trans./Aud.]

Issue(s): (1) Whether a public-school employee who says a brief, quiet prayer by himself while at school and visible to students is engaged in government speech that lacks any First Amendment protection; and (2) whether, assuming that such religious expression is private and protected by the free speech and free exercise clauses, the establishment clause nevertheless compels public schools to prohibit it.

Shoop v. Twyford, No. 21-511 [Arg: 04.26.2022 Trans./Aud.]

Issue(s): (1) Whether federal courts may use the All Writs Act to order the transportation of state prisoners for reasons not enumerated in 28 U.S.C. § 2241(c); and (2) whether, before a court grants an order allowing a habeas petitioner to develop new evidence, it must determine whether the evidence could aid the petitioner in proving his entitlement to habeas relief, and whether the evidence may permissibly be considered by a habeas court.

Biden v. Texas, No. 21-954 [Arg: 04.26.2022 Trans./Aud.]

Issue(s): (1) Whether 8 U.S.C. § 1225 requires the Department of Homeland Security to continue implementing the Migrant Protection Protocols, a former policy under which certain noncitizens arriving at the southwest border were returned to Mexico during their immigration proceedings; and (2) whether the U.S. Court of Appeals for the 5th Circuit erred by concluding that the secretary of homeland security’s new decision terminating MPP had no legal effect.

Oklahoma v. Castro-Huerta, No. 21-429 [Arg: 04.27.2022 Trans./Aud.]

Issue(s): Whether a state has authority to prosecute non-Indians who commit crimes against Indians in Indian country.

[nasa]

The ranks of America’s Astronaut Corps grew by 11 today!

After completing more than two years of basic training, our graduating class of astronauts is eligible for spaceflight. Assignments include the International Space Station, Artemis missions to the Moon, and ultimately, missions to Mars.

The class includes 11 astronauts, selected in 2017 from a record-setting pool of more than 18,000 applicants. This was more than double the previous record of 8,000 applicants set in 1978.

Meet the graduates:

Kayla Barron

“If you don’t love what you’re doing, you’re not going to be good at it. I think it’s a combination of finding things that you really love that will also be really challenging and will force you to grow along the way.”

This Washington native graduated from the U.S. Naval Academy with a bachelor’s degree in systems engineering. As a Gates Cambridge Scholar, which offers students an opportunity to pursue graduate study in the field of their choice at the University of Cambridge. Barron earned a master’s degree in nuclear engineering.

As a Submarine Warfare Officer, Barron was part of the first class of women commissioned into the submarine community, completing three strategic deterrent patrols aboard the USS Maine.

Zena Cardman

“Every STEM opportunity that I have ever gone down is because of some mentor who inspired me or some student who was ahead of me in school who inspired me.”

Zena Cardman is a native of Virginia and completed a bachelor’s degree in biology and master’s degree in marine sciences at The University of North Carolina, Chapel Hill. Her research has focused on microorganisms in subsurface environments, ranging from caves to deep sea sediments.

An intrepid explorer, Cardman’s field experience includes multiple Antarctic expeditions, work aboard research vessels as both scientist and crew, and NASA analog missions in British Columbia, Idaho, and Hawaii.

Raja Chari

“I grew up with the mentality that education is truly a gift not to be taken for granted.”

This Iowa native graduated from the U.S. Air Force Academy in 1999 with bachelor’s degrees in astronautical engineering and engineering science. He continued on to earn a master’s degree in aeronautics and astronautics from Massachusetts Institute of Technology (MIT) and graduated from the U.S. Naval Test Pilot School.

Chari served as the Commander of the 461st Flight Test Squadron and the Director of the F-35 Integrated Test Force. He has accumulated more than 2,000 hours of flight time in the F-35, F-15, F-16 and F-18 including F-15E combat missions in Operation Iraqi Freedom.

Matthew Dominick

“I get to work with incredible people that want to solve problems and are passionate about it. I really want to contribute to the world and this is how I want to do it.”

This Colorado native earned a bachelor’s degree in electrical engineering from the University of San Diego and a master’s degree in systems engineering from the Naval Postgraduate School. He also graduated from U.S. Naval Test Pilot School.

Dominick served on the USS Ronald Reagan as department head for Strike Fighter Squadron 115. He has more than 1,600 hours of flight time in 28 aircraft, 400 carrier-arrested landings and 61 combat missions.

Bob Hines

“As you get older, other things become important to you, like being a part of something that’s bigger than yourself. This human endeavor of exploration is something that’s really exciting.”

Bob Hines is a Pennsylvania native and earned a bachelor’s degree in aerospace engineering from Boston University. He is a graduate of the U.S. Air Force Test Pilot School, where he earned a master’s degree in flight test engineering. He continued on to earn a master’s degree in aerospace engineering from the University of Alabama.

Hines served in the U.S. Air Force and Air Force Reserves for 18 years. He also served as a research pilot at our Johnson Space Center. He has accumulated more than 3,500 hours of flight time in 41 different types of aircraft and has flown 76 combat missions in support of contingency operations around the world.

Warren Hoburg

“It was back in high school that I realized that I was really interested in engineering. I always liked taking things apart and understanding how things work and then I also really enjoy solving problems.”

Nicknamed “Woody”, this Pennsylvania native earned a bachelor’s degree in aeronautics and astronautics from MIT and a doctorate in electrical engineering and computer science from the University of California, Berkeley.

Hoburg was leading a research group at MIT at the time of his selection and is a two-time recipient of the AIAA Aeronautics and Astronautics Teaching Award in recognition of outstanding teaching.

Dr. Jonny Kim

“I fundamentally believed in the NASA mission of advancing our space frontier, all while developing innovation and new technologies that would benefit all of humankind.”

This California native trained and operated as a Navy SEAL, completing more than 100 combat operations and earning a Silver Star and Bronze Star with Combat “V”. Afterward, he went on to complete a degree in mathematics at the University of San Diego and a doctorate of medicine at Harvard Medical School.

Kim was a resident physician in emergency medicine with Partners Healthcare at Massachusetts General Hospital.

Jasmin Moghbeli

“Surround yourself with good people that have the characteristics that you want to grow in yourself. I think if you surround yourself with people like that you kind of bring each other up to a higher and higher level as you go.”

Jasmin Moghbeli, a U.S. Marine Corps major, considers Baldwin, New York, her hometown. She earned a bachelor's degree in aerospace engineering with information technology at MIT, followed by a master’s degree in aerospace engineering from the Naval Postgraduate School.

She is a distinguished graduate of the U.S. Naval Test Pilot School and has accumulated more than 1,600 hours of flight time and 150 combat missions.

Loral O’Hara

“I’m one of those people who have wanted to be an astronaut since I was a little kid, and I think that came from an early obsession with flying – birds, airplanes, rockets.”

This Houston native earned a bachelor’s degree in aerospace engineering at the University of Kansas and a Master of Science degree in aeronautics and astronautics from Purdue University. As a student, she participated in multiple NASA internship programs, including the Reduced Gravity Student Flight Opportunities Program, the NASA Academy at Goddard Space Flight Center, and the internship program at the Jet Propulsion Laboratory.

O’Hara was a research engineer at Woods Hole Oceanographic Institution, where she worked on the engineering, test and operations of deep-ocean research submersibles and robots. She is also a private pilot and certified EMT and wilderness first responder.

Dr. Frank Rubio

“I just figured it was time to take the plunge and try it. And so, I did and beyond all dreams, it came true.” 

Dr. Francisco “Frank” Rubio, a U.S. Army lieutenant colonel, is originally from Miami. He earned a bachelor’s degree in international relations from the U.S. Military Academy and earned a doctorate of medicine from the Uniformed Services University of the Health Sciences. 

Rubio served as a UH-60 Blackhawk helicopter pilot and flew more than 1,100 hours, including more than 600 hours of combat and imminent danger time during deployments to Bosnia, Afghanistan, and Iraq. He is also a board certified family physician and flight surgeon.

Jessica Watkins

“I’ve always been interested in exploring space. What’s out there and how can we as humans reach those outer stars and how can we learn more information about who we are through that process.”

This Colorado native earned a bachelor’s degree in geological and environmental sciences at Stanford University, and a doctorate in geology from the University of California, Los Angeles. Watkins has worked at Ames Research Center and the Jet Propulsion Laboratory.

Watkins was a postdoctoral fellow at the California Institute of Technology, where she collaborated on the Mars Curiosity rover, participating in daily planning of rover activities and investigating the geologic history of the Red Planet.

Learn more about the new space heroes right here: https://www.nasa.gov/newastronauts

Make sure to follow us on Tumblr for your regular dose of space: http://nasa.tumblr.com.

[politicalmamaduck]

When There Are Nine

"When I'm sometimes asked 'When will there be enough [women on the Supreme Court]?' and I say 'When there are nine,' people are shocked. But there'd been nine men, and nobody's ever raised a question about that." --Ruth Bader Ginsburg

In honor of her memory and that famous quotation, here are nine Supreme Court opinions RBG wrote that you should know:

United States v. Virginia, 518 U.S. 515, 532 (1996) (majority opinion). This case held that segregating men and women without a compelling reason violates the Equal Protection Clause, even when the separate facilities are comparable. Notable quotation: “the Court has repeatedly recognized that neither federal nor state government acts compatibly with the equal protection principle when a law or official policy denies to women, simply because they are women, full citizenship stature—equal opportunity to aspire, achieve, participate in and contribute to society based on their individual talents and capacities.”

Bush v. Gore, 31 U.S. 98, 135-36 (2000) (dissenting opinion). This, of course, is the infamous case that handed George W. Bush the presidency, from which RBG dissented. Notable quotation: “I might join The Chief Justice were it my commission to interpret Florida law. But disagreement with the Florida court’s interpretation of its own State’s law does not warrant the conclusion that the justices of that court have legislated. There is no cause here to believe that the members of Florida’s high court have done less than “their mortal best to discharge their oath of office,” Sumner v. Mata, 449 U.S. 539, 549 (1981), and no cause to upset their reasoned interpretation of Florida law.”

Grutter v. Bollinger, 539 U.S. 306, 344 (2003) (concurring opinion). This case upheld universities’ use of affirmative action policies, as long as they also utilize individual factors for each applicant. Notable quotation: “It is well documented that conscious and unconscious race bias, even rank discrimination based on race, remain alive in our land, impeding realization of our highest values and ideals.”

Ledbetter v. Goodyear Tire & Rubber Co., 550 U.S. 618 (2007) (dissenting opinion). This case’s holding, from which RBG dissented, that employers cannot be sued under Title VII of the Civil Rights Act of 1964 over race or gender pay discrimination if the claims are based on decisions made by the employer 180 days ago or more, was undone by the Lily Ledbetter Fair Pay Act of 2009. Notable quotation: “The problem of concealed pay discrimination is particularly acute where the disparity arises not because the female employee is flatly denied a raise but because male counterparts are given larger raises. Having received a pay increase, the female employee is unlikely to discern at once  that  she  has  experienced  an  adverse  employment decision. She may have little reason even to suspect discrimination until a pattern develops incrementally and she ultimately becomes aware of the disparity. Even if an employee suspects that the reason for a comparatively low raise is not performance but sex (or another protected ground), the amount involved may seem too small, or the employer’s intent too ambiguous, to make the issue immediately actionable—or winnable.”

Safford Unified School District v. Redding, 557 U.S. 364 (2009) (dissenting opinion). This case held that school officials strip searching a middle school student violated the Fourth Amendment. RBG dissented on the question of qualified immunity for the school officials. Notable quotation: “A search ordered by a school official, even if "justified at its inception," crosses the constitutional boundary if it becomes “excessively intrusive in light of the age and sex of the student and the nature of the infraction."”

Shelby County v. Holder, 570 U.S. 529 (2013) (dissenting opinion). This case gutted the historic Voting Rights Act, from which RBG dissented. Notable quotation: “Volumes of evidence supported Congress’ de-termination that the prospect of retrogression was real. Throwing out preclearance when it has worked and is continuing to work to stop discriminatory changes is like throwing away your umbrella in a rainstorm because you are not getting wet.”

Burwell v. Hobby Lobby, 573 U.S. 682 (2014) (dissenting opinion). This case held, from which RBG dissented, that closely-held for profit corporations can be exempt from regulations based on the owners’ religious objections under the Religious Freedom Restoration Act. Notable quotation: “Until this litigation, no decision of this Court recognized a for-profit corporation's qualification for a religious exemption from a generally applicable law, whether under the Free Exercise Clause or RFRA. The absence of such precedent is just what one would expect, for the exercise of religion is characteristic of natural persons, not artificial legal entities.”

Whole Woman's Health v. Hellerstedt, 579 U.S. ___ (2016) (concurring opinion). The Court held that Texas cannot place restrictions on the delivery of abortion services that create an undue burden for women seeking an abortion. Notable quotation: “Many medical procedures, including childbirth, are far more dangerous to patients, yet are not subject to ambulatory surgical-center or hospital admitting-privileges requirements. ... Given those realities, it is beyond rational belief that H.B. 2 could genuinely protect the health of women, and certain that the law 'would simply make it more difficult for them to obtain abortions.' ... When a State severely limits access to safe and legal procedures, women in desperate circumstances may resort to unlicensed rogue practitioners.”

Little Sisters of the Poor Saints Peter and Paul Home v. Pennsylvania, 591 U. S. ____ (2020) (dissenting opinion). The Court held that the exemption from the Affordable Care Act’s contraceptive mandate can be expanded, from which RBG dissented. Notable quotation: “Destructive of the Women's Health Amendment, this Court leaves women workers to fend for themselves, to seek contraceptive coverage from sources other than their employer's insurer, and, absent another available source of funding, to pay for contraceptive services out of their own pockets.”     

[notebooknebula]

Dr. Paul White of RealNumberz

https://www.jayconner.com/dr-paul-white-of-realnumberz/

Jay Conner is joined by none other than Dr. Paul White, the founder and CEO of White Orthodontics, and author of several best-selling books.

White Orthodontics is a high-end, technology-focused orthodontic practice based in Virginia.

Dr. White created RealNumberz with his son, Trey, to utilize the latest technology to “supercharge” his real estate investments.

RealNumberz is the only comprehensive software application designed to help investors manage a diverse set of assets that includes rental properties, private lending, fix-and-flip, and fix-and-hold projects, as well as mortgage notes and syndications.

This incredible software eliminates investor anxiety by using real-time data and an automated reminder system to allow real estate investors to maximize their returns with 50 percent less time.

Paul believes the key to achieving financial freedom has as much to do with optimizing your existing investments as it does with acquiring more of them.

RealNumberz is the easy-to-use solution for the ongoing problems associated with late or inaccurate rents, incorrect note payoffs, uncontrolled and over-budget rehab projects, “yield drag”, and much, much more.

RealNumberz has helped many of its clients save thousands of dollars and manage their real estate investments from their pockets! Go to https://www.realnumberz.com to see how you can “supercharge” your portfolio with this amazing software!

Real Estate Cashflow Conference: 

https://www.jayconner.com/learnrealestate/

Free Webinar: 

http://bit.ly/jaymoneypodcast

Jay Conner is a proven real estate investment leader. Without using his own money or credit, Jay maximizes creative methods to buy and sell properties with profits averaging $64,000 per deal.

#RealEstate #PrivateMoney #FlipYourHouse

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Jay Conner (00:00): Well, hello there and welcome to another episode of Real Estate Investing with Jay Conner. I’m Jay Conner known as the Private Money Authority. Also the host of the show today. And if you’re brand new to the show, we talk about all things that relate to real estate investing. We talk about how to find off market deals, motivated sellers. We talk about how to get your deals funded without relying on banks or mortgage companies also talked about how to rehab houses. We talk about how to sell them fast. And just as importantly, we talk about how to automate the business because after all, why are we in this business? Well, we’re in the business for the wealth and the freedom. So we’re not looking to replace our day job with another job, called real estate investing. We’re looking to run the show to where we are running our business and our business is not running us.

Jay Conner (01:03): Well, again if you’re brand new, I started back in 2003 in Eastern North Carolina, investing in single family houses. And for the first six years, until 2009, I relied on the local banks. I got cut off like the rest of the world did in January, 2009, after being in the business for six years. And I learned about this world of private money and private funding. How to use people’s individual investment capital and their individual retirement accounts to where I can have an unlimited number of private lenders into an unlimited number of private deals. As of today, my wife, Carol Joy, and I have got 49 private lenders individuals, just like you, that are investing with us and and funding our deals. So if you are also interested in learning how you can get funding for your deals and not ever miss out on another deal, because you didn’t have the money and you don’t want to rely on your credit, you don’t rely on your verification of income and your credit score.

Jay Conner (02:05): I’ve got a free gift for you. And that free gift is to come join me, access free for the first 30 days to my new Private Money Academy membership. So why in the world would you want to come check me out for free? Well, first of all, you get me live two times a month in a Zoom coaching call in the group setting for all of the members. Right now, we’ve got about 150 members or so, and it’s growing very, very quickly. We do that twice a month. You can bring all of your questions to the Academy membership, Zoom call. And we also update content every month, talking about locating deals and funding and et cetera. And on each Zoom coaching call twice a month, we put one of the Academy members such as yourself in what we call the hot seat, where we analyze your business, figure out what your challenges are and help you put together a plan to help take you to the next level in your business.

Jay Conner (03:04): So come join me for free for the first 30 days at Jay Conner, www.JayConner.com/Trial again, that’s Jay Conner, JayConner.com/Trial. You will absolutely love coming and checking out these Zoom calls and et cetera, with all the benefits that you get as being in the membership. Well, if you are brand new to joining the show, you may not know this, but if you’ve been tuning in for awhile then my lands, we launched June, 2018. We’re almost North of 300,000 downloads and growing very, very quickly. I have some amazing experts here as guest on the show. Well, today is no different. Let me introduce to you my friend and expert. Well, this gentleman is the founder and CEO of a company called White Orthodontics, which is a high end technology focused orthodontic practice in Virginia.

Jay Conner (04:12): And he’s also the author of several bestselling books. Now this gentleman also created a service that is called Real Numberz that ends in a Z. And he created that with his son, Trey, and the reason he created it, they created it was to utilize the latest technology to supercharge their real estate investments. Well, here’s what Real Numberz is about. It is the only comprehensive software application that’s designed to help real estate investors manage. And that’s the key word because this gentleman is an expert when it comes to managing deals after you bought them, which is a challenge for some people, but he designed this software to help real estate investors manage a diverse set of assets, which could include rental properties, private lending. There you go! Fix and flip properties, buy fix and hold properties, as well as if you’re into notes, mortgage notes, or syndications, his software will also help manage those investments as well after you get in.

Jay Conner (05:25): So this incredible software that he and his son Trey developed eliminates the number one investor anxiety by using real time data and an automated reminder system that allows real estate investors to maximize their return with 50% less time of yours involved in the deal. He also believes the key to achieving financial freedom has much to do with optimizing your existing investments as it does with acquiring and getting more investments. Well, his software Real Numberz is that easy to use solution for the ongoing problems associated with later inaccurate rents, incorrect note pay offs, uncontrolled or over budget rehab projects, and much, much more. In addition to that, this software has helped many of their clients save thousands of dollars and manage their real estate investments from their pocket. So with that, let me welcome my friend to the show and expert Dr. Paul White. Hello, Dr. White!

Dr. Paul White (06:35): Hey Jay, how are you doing?

Jay Conner (06:37): I am Fantastic! And just for the sake of these, may I call you Paul on the show?

Dr. Paul White (06:42): Oh, please do.

Jay Conner (06:45): So. Welcome to the show Paul. So glad to have you. Of all the experts and guests that I’ve had on this show. I haven’t had anybody else come on the show with this type of software and this kind of service to help real estate investors. I mean, in my business still today, we keep up with everything on an Excel spreadsheet. Seems to work pretty well since our average profits are 67,000, but you know, one of the four pillars that I teach in my business is what I practice. And that is automation. I actually work in the business less than 10 hours a week because of automation, other software we use and the team we have. And so I’m so excited to hear about this automation software that you and your son Trey have developed.

Dr. Paul White (07:33): Well, Jay, thank you so much for having me and, you know, I appreciate so much what you do and the great coaching that you give your clients. And it’s an issue that I have seen. It’s the same thing you just said. There’s just not much out there, right? We’ve never had anybody on that talked about this stuff. And it was a problem that I had and, went to solve the problem by looking for software. And all I found were spreadsheets and things like that. And I had sort of a bigger list of things I wanted to accomplish. And so spreadsheets are great, but they don’t take care of everything that you want to do with them. And so as a matter of fact, I was a member of a mastermind years ago, and I’m doing a lot of what you were coaching and that is to acquire stuff.

Dr. Paul White (08:09): You know, I had been for too long that guy that did what Dave Ramsey said, and that was to just save your money and pay off all your debts and do all those things. And that’s great if you’re in debt or if you have, if you can’t manage your money, but it’s not a great formula for managing wealth , and so anyway I started, you know, I had some money saved up. So when I got into these masterminds, I started, you know, acquiring a bunch of assets and I was feeling really good until the phone started ringing, you know, for more money and, you know, verifying payoffs and all this stuff. And I just started going, Oh my gosh! You know, what do I do? And here’s the problem. I went and talked to some of the guys in the group that had been in there before me.

Dr. Paul White (08:43): And I said, what are you doing to kind of keep track of all this stuff? And surprisingly the answer was nothing, you know, and occasionally the really sharp guys were using spreadsheets. And so then I asked, okay, well, what, what kind spreadsheet? And one guy said, well, I got this one off the internet. And other guy said, well, I got this from my brother-in-law. And I looked at him and they weren’t even the same, you know, and as orthodontists, we were like things nice and straight and neat, and even, and I just, I wouldn’t see in any kind of congruency there. So it made me a little nervous. So that’s sort of how it got started.

Jay Conner (09:11): There’s no doubt. There’s a huge demand for this type of service. Let me go to your background for just a moment.

Dr. Paul White (09:17): Sure!

Jay Conner (09:17): Please share with me and the audience, your story. You’re a doctor. And you know, you can straighten people’s teeth, right? And then you got into real estate investing along the way. So let’s hear your backstory.

Dr. Paul White (09:31): Well, you know, thank you for the question, cause it’s a great question. And it’s a lot of what we wrestle with it, you know, Warren Buffet famously said, you know, if you don’t make money, while you sleep, you work till you die. And that was sort of a, you know, kind of a crazy thing. And the Aha moment for me was when I finally understood the difference between income and wealth, you know I have a great job, but as Kiyosaki would say in his book, Cashflow Quadrant, I owned my job and that was all I had. I didn’t have wealth and I wasn’t building any wealth I was just working. So, you know, just like you’re trying to do with your clients, we’re trying to have freedom. You have to have income for that. Actually I have to have wealth from that.

Dr. Paul White (10:08): And I had income and I didn’t have freedom. And even still with my job, I own a good job and I make a good living, but I can’t leave the job for more than, you know, a week or so because of the amount of work that it creates before I leave and the tremendous amount of work that leaves when I get back. And so you just never gone very far and you’re always, you know sort of tied or chained to the practice. And so that was sort of a big Aha for me, is understanding that if I’m going to have some more freedom, I have to have something that’s making money while I’m not there. And for me, orthodontics was not that, not that thing. I love it it’s been great, but I started looking for other ways to make money and I discovered what you know, and what all your clients have known or will know.

Dr. Paul White (10:46): And that is that all the wealthy people in the world that are successful have real estate as a major portion of their portfolio, if not all of it. And so including our current president. Thanks. So, anyway it’s one of the things that I’ve learned is that real estate is the way to go. And, as I said, when I was in this mastermind sort of, you know, a little hand holding and trying to learn how to learn the ropes I just found that no one was keeping track of things. And so you see these pictures of messy desk and and so mine, wasn’t a messy desk. It was on a pool table. So I had paperwork spread everywhere and I was just excited, you know, I was acquiring stuff left and right. And I was just leaving this pile of, paperwork and assets behind me.

Dr. Paul White (11:26): And I thought, that’s all I had to do. Right. Cause you hear the term passive income. And so I thought that was it right? I’m there I’ve arrived. And then, you know, the headaches started coming and the questions started coming and you’re getting a lot of emails and phone calls asking for more information or more money or any of these things. And I just started going, Oh my gosh, how am I going to handle this? So my, momentary moment of sort of peace and I feel finally arrived and I’ve got it going, just sort shattered into the reality of my portfolio was chaos. And so I had to find a way to get control of it. And and that’s when I went to my son. Cause I know you mentioned you know, spreadsheets Excel. And to be honest with you, I’m a little intimidated by that.

Dr. Paul White (12:08): It’s not that I don’t like numbers, but for some reason I never learned Excel and all the other software that I ever learned, I just sort of picked it up and started working with it. So, and I can do the basics in Excel, but I can’t really do, you know, create all the sales and do those kinds of things. And so I asked my son who is a programmer. I said, can you make me an Excel spreadsheet? And he said, sure, what do you want on it? And so I told him a few things and as he’s programming, I said, I started asking more and I started adding more things. He goes, alright, do me a favor before I keep this madness going, make a list of all the things you want this to do, and then I’ll make it happen. Right? And I made the list and I handed it to him and he goes, he said, data, a spreadsheet.

Dr. Paul White (12:42): I mean, spreadsheets, can’t do this kind of stuff. I said, If I said, so what are we doing? He goes, you need an app. And I went, A what? Cause I had no idea what an App was Right? And so that’s how we started Real Numberz. And that’s been the, probably the most rewarding thing for me has been to have these ideas of how I want to manage my real estate and all the different investments that are real estate related investments have him sort of have these ideas in my head and I write them down on a piece of paper and he makes it happen. Now in the software world, they call Wire Frame is how you plan out every little step in the development of software out. And I, I call what I’m doing, you know, Wire Frame me. He said, dad, just writing crap on a piece of paper.

Dr. Paul White (13:20): You’re not Wireframing so, that’s been kind of fun, but it’s been amazing. Number 1, to recapture some of the money or my investment in his education. And number 2, to be able to work together with him and sort of work through these tools. And to be honest with you when it first happened, you know, and I looked at for spreadsheets, I go, well, there’s gotta be something else out there. And I looked everywhere for some software that was as comprehensive as what we’ve created and there’s nothing out there. So that’s been, you know, my why for 30 years was to make the quality of orthodontic treatment in the Richmond area better than it was when I got into it. And now my why’s to help real estate investors know their numbers so they can get to freedom faster.

Jay Conner (13:59): I love it! S, what different, before we actually get into what Real Numberz does.

Dr. Paul White (14:07): Sure!

Jay Conner (14:07): And the benefits of it. Because it definitely sounds multifaceted as to what it will do before we get into that. What type of different business models can this software serve and help real estate investors? For example, my business model is two fold. I either buy them in single family houses. So we’re talking to here all single family houses, I mean, in my case. So that will be a subset of my question. What different business model is that many single family houses only is it also commercial? We’ll get to that in a second. But in my single family house world, I’ve got two business models. I buy them. Business model, number one, I buy them, I fix them up. I flip them, I cash out, right? So we kill the golden goose, no wealth right there.

Jay Conner (15:01): That’s just big checks. My second business model or that I do with other deals is I’ll buy them. If they need fix up, I’ll fix up. If they don’t need fix up. And they’re a pretty house in either case. The second business model is I sell on rent to own. Now what makes my rent own or selling a lease purchase different is I actually believe it or not actually require my buyers to enter my credit repair program. And I actually help them get a mortgage. Therefore, 80% of mine cash out. Most of the real estate investors may be 5% cash out on least purchase. Those are my two business models. So leading up to my question what are the different models that Real Numberz will serve?

Dr. Paul White (15:54): Yeah, that’s a great question. Well, you know, what’s so funny about software and this is a true expression software’s never done. So you have this long runway of things that we’re trying to accomplish. And, basically real numberz is divided into four basic buckets. One is real property. The next one is private lending. The third is mortgage notes. And then the fourth is funds and syndications. And so within the real property space you can it takes care of any kind of property think of multifamily, single family you know, self storage, all those kinds of things. And, and what’s really neat about it is also there’s a dashboard for the entire portfolio. And so what we’re trying to build is a piece of software that not only manages all of your properties or all of your assets day to day as needed, but it also gives you a global input about how you’re doing as far as having some kind of target date for retirement or job transfer or, you know, whatever it is that you’re trying to do.

Dr. Paul White (16:49): And so what we’ve gotta do is have weighted average returns on all those things. And that’s a pretty complicated piece that we’re building. As far as real estate now, all there’s a general ledger for the entire portfolio for your entire asset base. And so, regardless of what kind of assets or different types of assets you’re doing, there’s a ledger that keeps track of all the money coming in and out of your portfolio. Then each individual asset has a ledger as well. And so it obviously takes care of transactions. And then those ledger items are then used to drive analytics, and then eventually it’ll drive tax reporting as well. And one of the features that we added to it, what’s sort of speaks to your fix and flip is I, years ago I was buying active turnkeys, like you’re talking about.

Dr. Paul White (17:35): And I had bought a piece of property and and from a guy in CG and so they were rehabbing it. And then I got an email that said we needed, you know, $8,000 more. And so I just wired the money site on scene. And, you know, one of the challenges with professionals, doctors, dentists, lawyers, whatever is at least for medical professionals, is we do whatever it takes to make things right for a patient, even if it costs us money. So we’re just, you know, we just want people to trust us. So we do whatever it takes. And we tend to have that same mentality with those that we work with. And what I’ve discovered in all other walks of life is not everybody’s that way. And even there’s some, I guess, in the medical profession, not the way, but I don’t know any of them.

Dr. Paul White (18:15): And so we’ve just always done whatever it takes to make it right. So there’s a high level of trust. So if somebody said I needed $8,000 more, I just would wire the money. Right? I don’t do that anymore, but that’s what I did when I first started. And it turns out after the the property had been rehabbed and closed, and then we had a tenant in place. We had actually then just finished creating real numberz. So I went back and just to play with the software, entered in all of the the data from the acquisition. And it turns out that that $8,000 was $8,000 over the budget. And I didn’t know it, and I had no clue. And and so I called the property management. So what’s the deal with this $8,000 is, Oh, we put new windows in the house and I go, well, great!

Dr. Paul White (18:53): I’m not saying I wouldn’t have done it, but that certainly would have been a decision I would have liked to been involved in. And so that really sparked me to create one of the features of a real property is a thing called a rehab tracker. And so you create a budget and you create as many different rehab projects as you want to name them. And then you put the amount of the budget, and then you start making deposits towards that budget, which come off your balance sheet, but then any of the charges against those do not, again, hit your, ledger again. So it keeps track of those things, and it keeps a running balance of how much money was spent in those kinds of things. So it can certainly be used for that. If you’ve got a business where they’re flipping a bunch of houses all the time, you know, there are other softwares out there where you need a professional to help you develop it for you, but for the average investor, it’s a great, it’s a great solution.

Dr. Paul White (19:37): That’s a fairly inexpensive to be able to manage those things, and then to have the property and track the income, if you’re renting it as far as the the selling part of it, it’s one of the things that’s actually in development is a sell feature that then you create a subject to, and then seller finance the houses as well. So in our mortgage note section, we already have that capability. So you can then turn and open that app up in the mortgage part, and then keep the mortgage that way, if you want it to. But eventually I want to meld the two, but we’re trying to get a basic program that works for enough people. Cause that what you’re talking about is fairly sophisticated. So,

Jay Conner (20:12): So you mentioned there’s actually four different categories for Real Numberz, one was flipping, Right?

Dr. Paul White (20:22): Well, real property in general. Yes.

Jay Conner (20:24): So just real property though whether you’re flipping or holding,right?

Dr. Paul White (20:27): right, right.

Jay Conner (20:28): And then you said private money or private lending. Tell us how.

Dr. Paul White (20:31): Yeah.

Jay Conner (20:32): Tell us how the software helps that category.

Dr. Paul White (20:37): That’s ,Thank you for the question. Yeah, one of the things that’s funny is, you know everything that we do in Real Numberz, I wanted everything lifestyle wise to be able to my portfolio from my pocket. So everything you need is stored on the app. Your pictures, your photos, your contacts, your documents,security duct, documents, all those things are right there in the app. And so one of the things that’s interesting if you’ve done, I know you have, but I don’t know about your listeners that have done private lending, but you know, at some point in time that the borrower wants to pay you back. And so they want you to verify the payoff. And again, because of my ignorance and inexperienced, I just assumed when they gave me a pay-off amount, I went, yep, that’s right. And it turns out I went back and checked them off by several thousand dollars or one of them.

Dr. Paul White (21:18): And so, and I typically lend out of my self directed IRA for those, those types of investments. And so one of the things that I kept noticing was the sense of urgency when they want to close all of a sudden, they out of the blue, they need to close some cause some deals coming up or they need money. And so anyway I got an email one time that said,we want to close this deal today, if possible, can you verify this pay-off? And I got, well, you know, my stuff, the documents are on a pool table back in my house. I don’t even have them here at work. And I’ve got my hands in somebody’s mouth all day. And so, I said, I can get it to you as fast as I can.

Dr. Paul White (21:52): And so, you know, worked all day. And then I went home and then I found the folder. At first I had things in piles on the pool table, my wife at least put them in folders put address on. So I found the folder and I find the the promissory note and I started doing the math. And at first I didn’t even understand that. So I’m doing it monthly, which is not the right way to do it either. And so of course now know that. And so I did the math for how much I was owed. Then I had to log into my self directed IRA account, find that asset, then look at all the amount of money that had been paid to me and then subtracted them, and then add it back to my original principle. And five hours later, I got the instant pay-off for him.

Dr. Paul White (22:27): And I was like, well, there’s gotta be a better way to do this. And so, because each asset, regardless of whether it’s your lending or flipping a house or whatever, has its own ledger, you’re tracking all the payments that you’ve received, which actually saved me a lot of money in the long run. But anyway, and so it knows the deal of the, of the original note, even if you’re wrapping somebody, which you can do, you can have a, we shouldn’t use the term JV, but a partner in the terms it’ll keep track of what the partner what his portion of the deal is. If you’re wrapping somebody. And when you hit, pay-off, there’s a button called pay-off and you hit that button, select a date, and it’ll give you the pay-off amount instantaneously. And it’s accurate. I closed five lending deals in January and every one of them was wrong to my favor, you know? And so it’s nice to have a piece of software. I just pull it out of my pocket and do find the, you know, open the app, find the asset and then push a button. And it tells me what I need. So it takes no time. And, It’s really kind of fun to be able to do that and people know, I know what I’m talking about now, so.

Jay Conner (23:25): That’s awesome! So that’s,

Dr. Paul White (23:27): yeah,

Jay Conner (23:28): That’s an App or that category confirms to the private lender as to how much they should be paid off.

Dr. Paul White (23:37): That’s right. So, yeah. And so it’s great for me. So I’m doing mostly most of the lending, so it’s telling me to pay off what it should be so that they, and they want me to verify it. So that’s the way that it works best. What’s really interesting is again, before I hadn’t created the software with my son I went back and again, sort of historically looked at a deal I’d done. And it turns out that they had missed a payment to my IRA. And I just thought, I didn’t really understand what a custodian did. I just thought they keep track of all the payments and call them when there’s a missed payment. And then they will give you some analytics to tell you how much money they’re making. And it turns out that that’s not right either. I looked up the word custodian means, it hold your stuff.

Dr. Paul White (24:19): You know, so I had closed the deal. I went back and just entered all the numbers. And this particular borrower had not paid a $1,500 payment during the whole transaction of the whole note. But then they closed the note as if they had paid that. So I missed a $1,500 payment, you know, and didn’t even know it and had already closed the note. So I couldn’t get that money back. So the app, just for that reason alone has saved me thousands and thousands of dollars. And it’s been great. And we hear that same thing from other investors that use the software.

Jay Conner (24:50): And I suppose that, of course, for the app to give you an accurate pay-off, then when you receive money you or someone is putting in the App, Oh, I received.

Dr. Paul White (25:03): that’s right.

Jay Conner (25:03): $1,500 payment on such and such a date. So it’s keeping up with what you have received so far.

Dr. Paul White (25:09): Yeah. And even if you get part of your capital returned, it’ll track that as well. So it’s really doing the math based on what you’re owed and what you’ve already received. And so that’s really, you know, and again, if you have a lot of these going, it’s hard to keep up with that kind of stuff. You know, spreadsheet can do it, but you know, what’s great about this software is it sends me a reminder of somebody misses a payment. Now, again, my need was somebody didn’t pay me and I didn’t know it cause an IRA is not calling them. I thought they were right. So, now I get a reminder if the payment has not been entered as received into the software. And so it’s a great way for me not to have to scan all the investments all the notes that I’ve got to see if there’s a problem. You know, it tells me if there’s a rent, a missed rent payment, it tells me I don’t have an interest payment from a loan, or if a note, a monthly payment hadn’t been made, all those things I know without having to go looking for it. So it really does make it easy to it reduces my stress and it alerts me when there’s a problem. So I can kind of keep doing what I’m doing and not have to worry about it all the time.

Jay Conner (26:06): Dr. Paul White’s website, that you can check out Real Numberz is www.RealNumberz.com , Paul there’s two other categories you mentioned that this software keeps that where, so it keeps up with any kind of real property investment keeps up with private money when you are the lender and what was the third category?

Dr. Paul White (26:32): Well, the other is a mortgage note, and I make a distinction between private lending and mortgage notes, because it’s a longer term investment and what’s unique about, and you can do these things with a lot the private lending, but a lot of private lending is usually straight answers with some points. And so what’s interesting with mortgage notes is you know, it’s an amortizing investment. And so it keeps track of all those things. And basically you can just buy a note and hold it and that, and just have this income for as long as you want. But there are other things you can do with a mortgage note that really can supercharge it. And one of the things you can do is sell it. And you can sell either a portion of it, or you can sell all of it.

Dr. Paul White (27:08): If you sell a portion of it’s called a partial.And so you can actually, in some deals, like if you bought a note, that’s, you know, say $50,000 and you bought that note for $30,000 let’s say a 10% rate, you can turn around and sell it to another friend or investor let’s say a 6% rate and get your 30,000 back out of it. And they will tell you in the app itself, it’ll calculate the number of payments that you have to sell in order to get your money back. And then at the end, the note comes back to you and you’ve got zero money in and invest it. And yet you have this stream of payments that are coming to you. And so, you know, a zero invested money returned is a pretty good infinite return that we all like to hear about.

Dr. Paul White (27:45): So that’s one of the things you can do. And the other thing you can do is borrow money against that note. So it’s just like having a house where you can borrow money against it. You know, it has that same kind of value to a bank or to a private lender. So there’s the things, and it keeps track of all these things. And again, if you sell five months, five years of a mortgage note, it creates a reminder at 4 years and 11 months to tell you that this payment’s coming back to you. So again, it gives you a heads up when a note is coming due when investment’s coming due. When rent is coming. And when the end of a lease on a rental that you have, it’ll send you a reminder, say this rental is coming due in 30 days. And so it helps me to send a note, send that very thing I just forward it cause it comes to my desktop or to my phone to be able to forward that note to the property managers say, okay, what are the plans for this property? We got anybody rolling here. Is he going to reinvest, you know, or renew? And so that way, again, I look like I’m on top of my game and I’m not having to do all that. I love that kind of aspect to it.

Jay Conner (28:41): That’s what I call automation. And then there’s a fourth category that this app provides service for, right?

Dr. Paul White (28:47): Yeah. Some people do funds or syndications and we’re just starting to build that part of it out. It’s mainly to track, you know, the issue with funds or syndication, is really no money in it and not much is returned to you until the deal closes. So, you know, a typical fund or syndication, will go five to seven years. Some of them pay off early. And so that one, we haven’t put as much time into it. Cause not as many people do those. It’s a great way for people that maybe don’t have a whole lot of experience to, if you can trust them. That’s, that’s the deal because a lot of those things can, you can lose your principal real quickly. So you have to be able to trust the people that you’re doing business with, but you don’t have to know a whole lot about real estate. But again, everything has due diligence. A better way is to have somebody like you start them off with a single family home because you can see that thing. You have all the control where you have no control over a syndication. So it’s one of those things that we’re sort of programming out for some of the other investors that have requested that. But most of what we do is those first three buckets.

Jay Conner (29:45): So the bottom line Paul, as I understand it is whether you are investing in single family houses, commercial, any kind of real property, the software is going to keep up with where you are and make sure you’re not, you know, wasting money or losing money, same thing as a private lender, make sure you got coming to you. What was in the promissory note and then mortgage notes, which are longer term you can do fractionals and then again, syndications. So, wow!This is simply amazing, Paul! And I’m so glad I’ve had you on here. So what do people need to do to go check out this software?

Dr. Paul White (30:25): Well you know, if you go to our website, RealNumberz.com and there’s a 14 day free trial. If you want to check it out, we’ve now adjusted it. So we’ve got a special running now where there’s a discount of 30% off the monthly fee and we do it by property. So if you have five properties or less, it’s less than it’s $47 a month as a subscription. And you have all the software, one of the cool piece of software that I didn’t talk about, there’s a piece of software attached to this, again, that you can’t do with a spreadsheet that actually connects to your bank account securely. So we don’t store any of the data. So it’s secure and encrypted, but it’ll pull the numbers and the transactions that go to that account. So on the general ledger, you’ll get uncategorized transactions and you would simply assign those transactions to one of your assets and it automatically populates the the ledger for that particular asset.

Dr. Paul White (31:14): And then it keeps track of all the other things that are going on. So it’s really helps you understand what’s going, coming and going and your business account. So it’s a great way to keep up with things and you should have a separate business account. Don’t keep this in your personal account. I’m sure you already have taught them that, but I’ve seen guys do that too. And it’s like, yeah, they have no idea where their money is or what’s going on with it. And you have to keep some reserves. Cause you know, real estate takes a little bit of management sometimes. So anyway, and then there’s an unlimited version of that, which is which also includes the mortgage notes part plus all the other things. And it’s unlimited data, all those other things and it’s $97 a month with a discount.

Dr. Paul White (31:49): And so one of the things that’s interesting to me is we had a client that was, I think he was spending a thousand dollars a month for a Bookkeeper’s account just to keep track of some rentals. And I’m like, dude, we can save you some money here. And he jumped on this in a heartbeat. He goes, this is way more than what I was getting before. I said, well, that’s, you know, we’re trying to make it something that you just, after you start using it, you won’t want to go without it. And that’s been my experience. It has saved me literally thousands, thousands of dollars.

Jay Conner (32:14): That’s wonderful!

Dr. Paul White (32:15): Yeah.

Jay Conner (32:16): Well Paul, thank you so much for joining me here on the show. And folks there you have it. Be sure and check out www.RealNumberz.com And go check out how to stay on top of your business and save a lot of money. Paul, thank you so much. I look forward to staying connected with you and folks, I’m Jay Conner, Private Money Authority wishing you all the best. Here’s to taking your Real Estate Investing business to the next level. We’ll see you on the next show!

[spaceexp]

Station Crew Demos Wi-Fi Power, Sets Up For Rodent Research

ISS - Expedition 62 Mission patch. February 12, 2020 A science demonstration for students and space research to improve life kept the Expedition 62 crew busy on Wednesday. The International Space Station residents also worked on a host of orbital plumbing and housecleaning tasks. Radio waves generate energy that can be harnessed for a variety of applications including wirelessly powering devices or possibly beaming solar energy down to Earth. NASA Flight Engineer Jessica Meir filmed how a flashlight powered by Wi-Fi gets brighter and darker as it moves closer or farther away from a Wi-Fi device aboard the station. The video will be sent down to students to demonstrate the technology developed by the Naval Research Laboratory.

Image above: The three-member Expedition 62 crew, sporting their mission patch on t-shirts, will be living aboard the station until April. In the center, is Roscosmos Commander Oleg Skripochka flanked by NASA Flight Engineers Jessica Meir and Andrew Morgan. Image Credit: NASA. Biology research also takes place aboard the orbiting lab and the crew will soon continue exploring how microgravity affects rodents. NASA Flight Engineer Andrew Morgan worked in Japan’s Kibo lab module setting up the Life Science Glovebox that will house the rodents to be delivered on an upcoming cargo mission. Mice physiology is similar to humans so researchers observe how their bodies react to weightlessness as well as countermeasures to the long-term effects. Meir and Morgan also split their on life support maintenance and space plumbing. Meir set up acoustic monitors to measure station sound levels before checking on safety masks and charging spacesuit batteries. Morgan printed out housecleaning to-do lists then worked on the U.S. bathroom, also known as the Waste and Hygiene Compartment.

International Space Station (ISS). Animation Credit: NASA

Commander Oleg Skripochka of Roscosmos serviced Russian Orlan spacesuit water loops and checked for leaks. After checking on water tanks in the Progress 74 cargo craft, he set up exercise research gear then photographed the after effects of catastrophes on Earth. The Cygnus cargo craft from Northrop Grumman is counting down to a launch from Virginia on Friday at 3:43 p.m. EST. The U.S. space freighter, loaded with 7,300 pounds of science, supplies and hardware, will arrive Sunday for a robotic capture with the Canadarm2 at 4 a.m. NASA TV will cover all the launch, capture and installation activities live. Related links: Expedition 62: https://www.nasa.gov/mission_pages/station/expeditions/expedition62/index.html Wirelessly powering devices: https://www.nasa.gov/mission_pages/station/research/experiments/explorer/Investigation.html?#id=8093 Kibo lab module: https://www.nasa.gov/mission_pages/station/structure/elements/japan-kibo-laboratory Life Science Glovebox: https://www.nasa.gov/mission_pages/station/research/experiments/explorer/Facility.html?#id=7676 Progress 74: https://www.nasa.gov/feature/progress-launches-arrivals-and-departures/ Exercise research gear: https://www.energia.ru/en/iss/researches/human/26.html Canadarm2: https://www.nasa.gov/mission_pages/station/structure/elements/mobile-servicing-system.html NASA TV: https://www.nasa.gov/multimedia/nasatv/index.html Space Station Research and Technology: https://www.nasa.gov/mission_pages/station/research/index.html International Space Station (ISS): https://www.nasa.gov/mission_pages/station/main/index.html Image (mentioned), Animation (mentioned), Text, Credits: NASA/Mark Garcia. Best regards, Orbiter.ch Full article

[lsesu]

A Statement from your LSESU Officers

The LSESU is aware that The London School of Economics admitted in its 2018/19 cohort a student who was an active participant in the August 2017 Unite the Right rally protests in Charlottesville, Virginia.

We strongly condemn the views espoused at the rally and the actions of its participants. The Union is committed to the principles of equity, diversity and inclusion. Nonetheless, as graduate selections are made on the basis of the strength of an individual’s application, they will remain an LSE student unless they are in breach of School regulations or commit an act of misconduct during their time at the school, that results in disciplinary action.

Notwithstanding the facts of this particular case, LSE must not lose sight of the wider structural issues and engage in a serious audit of its efforts to make the School truly diverse and inclusive.

At present the LSE has no permanent Division Head for Equity, Diversity and Inclusion, and there is much more that can be done to create the diverse, inclusive and supportive community our student body deserves. The school have made steps in the right direction through tangible support for the Black History Month 2018 programme.

At this time, LSE students deserve a robust response and plan to support students. The LSESU will engage the school in dialogue on this matter and related concerns.

If you are personally affected by any issues that arise from this case, please seek support from the following:

- Students’ Union Advice Service 

- LSE’s anonymous  Report It. Stop It. tool

- Guidance from Equity Diversity and Inclusion

- Support from  Student Wellbeing and other sources across the School such as Dr Pete Evanson, School Senior Advocate for Students and / or Dr Bingchun Meng, Advisor to women students.  

Yours sincerely,

LSESU Officers

Martha Ojo, Education Officer Zulum Elumogo, General Secretary Naveed Kabir, Activities and Development Officer Faye Brookes-Lewis, Community and Welfare Officer Afrah Hyder, Anti-Racism Officer Momen Sethi, Black and Minority Ethnic Officer