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Kim Kardashian is called out for releasing a video to promote her new fragrance hours after Kobe Bryant's death

Kim Kardashian has been accused of being insensitive after she took to Instagram to share a video of herself promoting her latest fragrance while the world is mourning Kobe Bryant's death.



The reality star shared a post earlier today to mourn Kobe, his daughter Gigi, and the others who died in the helicopter crash yesterday. She said she was heartbroken by the incident.



But hours later, she was on Instagram promoting her new fragrance.



Fans reacted to the video by slamming her for being insensitive. Others told her it wasn't the right time and she's obviously not heartbroken as she claimed.



See some comments below.

Shaunie O'Neal shares last picture she took of Kobe Bryant and his daughter Gianna, hours before fatal helicopter crash

Shaunie O'Neal, the ex-wife of NBA legend, Shaquille O'Neal, has shared the last picture she took of Kobe Bryant and his daughter Gianna Maria-Onore Bryant, hours before they died in a helicopter crash.



In the picture, the Los Angeles Lakers legend and his daughter were pictured watching Mearah Oneal, the daughter of Shaunie and Shaquille O'Neal at a basketball game.

Shaunie captioned the photo: 'Yesterday' with broken heart emoji.



NBA legend, Kobe Bryant, 41, died alongside his 13-year-old daughter Gianna Maria-Onore Bryant and seven others when his helicopter crashed on a remote, steep hillside in Southern California on Sunday.

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Our government hates us- Bolanle Olukanni, Ifuennada, others react to Lagos state government's decision to ban Okada, Keke NAPEP

Bolanle Olukanni, Ifuennada and other Nigerians are reacting to the decision of the Lagos state government to ban Okadas and Tricycles from operating in some parts in the state.



The state government announced the ban on the operations of Okada and keke Napep riders in certain parts of the state. The state government said it took the decision following the alarming rate of motorcycle accidents in the state.



Bolanle and other Nigerians feel this isn't a welcomed development as the government has not put in place alternative mode of transportation before placing the ban.

Everyone is different, but there are a few simple guidelines to keep in mind.

Heading out the door to run while the sun is just beginning to peak over the horizon can be the best — or sometimes, the only — time for many runners to pound out a training run. However, balancing proper fueling with getting out the door for a morning run in a timely fashion can be a constant struggle.

Finding the early morning fueling strategy that works best for you can be like discovering a diamond in the rough, and Claire Shorenstein, a running coach and New York University clinical nutrition student, said this is because nutrition needs are different for each and every athlete.

“It’s a very personal thing,” Shorenstein said of morning nutrition. A muffin might be a great mix of simple carbs for some runners, but can wreak GI havoc for others. Practicing your nutrition and experimenting with different options is the best way to perfect your morning fueling routine. You are likely to have several workouts hampered by GI problems, but practice makes perfect, even if there are some unwelcome hiccups along the way.
When running in the morning first consider how far you plan to run, as your fuel needs will change depending on distance and intensity, said Eric Skelley, running coach and owner of Rock Hard Runner in Redondo Beach, Calif. For short, lower intensity runs the fueling strategy is pretty simple, he said.

“The rule of thumb is if you’re running up to an hour you don’t necessarily need anything,” Skelley said.

Shorenstein agreed, adding she can run up to six miles without worrying about fueling in the morning. However, Skelley notes this is a rule of thumb that works for most runners, but not everyone, including himself.

“My friends don’t fuel up in the morning, but as soon as I am a half hour in I start to slow down and my heart rate [goes] up,” Skelly explained. “I have to have a gel or a half a banana to get me through the first 45 minutes or an hour.”

If you have a longer morning run on the schedule or an intense speed workout, it’s important to take in a few hundred calories for fuel or you’re likely to feel tired, sluggish or nauseous during the workout. “You definitely want to eat something before a tough workout,” Shorenstein said. However, choosing what kinds of food can provide you the right amount of energy without upsetting your stomach is key.

“Stick to something easily digestible,” Shorenstein said. “You want to shy away from high fiber foods, which take longer to digest.”

Good options for effective, but easy-to-digest morning foods are toast with peanut butter and banana, oatmeal, or an energy bar. Regardless of which one you choose, select something that’s made up primarily of carbs and easily digestible.

Whole foods aren’t always an option, however, as some athletes with extremely sensitive stomachs will usually have to rely on gel or liquid calories to power them through a workout. “I prefer to eat real food, but I need a full 2.5 hours to properly digest my food,” Shorenstein said. “So I rely on sports drinks, gel or juice.”

Finding the right fuel for any runner is a trial and error process, and finding the right fuel first thing in the morning can be more error than trial. But once you find the right balance it will become just like your morning run itself: part of the daily routine.

Culled from podiumrunner.com

“It’s tangible, it’s solid, it’s beautiful. It’s artistic, from my standpoint, and I just love real estate.” ~Donald Trump

Everyone wants a piece of land. It’s the only sure investment. It can never depreciate like a car or a washing machine. Land will double its value in ten years or in less than that. Land is going up every day.” -SAM SHEPARD, Curse of the Starving Class

“It’s tangible, it’s solid, it’s beautiful. It’s artistic, from my standpoint, and I just love real estate.” ~Donald Trump

Land monopoly is not only monopoly, but it is by far the greatest of monopolies; it is a perpetual monopoly, and it is the mother of all other forms of monopoly.”
-Winston Churchill

Real estate is an imperishable asset, ever increasing in value. It is the most solid security that human ingenuity has devised. It is the basis of all security and about the only indestructible security.”
-Russell Sage

“Every person who invests in well-selected real estate in a growing section of a prosperous community adopts the surest and safest method of becoming independent, for real estate is the basis of wealth.”
-Theodore Roosevelt

“It’s tangible, it’s solid, it’s beautiful. It’s artistic, from my standpoint, and I just love real estate.” ~Donald Trump

“It’s tangible, it’s solid, it’s beautiful. It’s artistic, from my standpoint, and I just love real estate.” ~Donald Trump

Our competitive advantage is derived from our track record of prompt and efficient service delivery coupled with integrity, excellence and professionalism in dealing with all our clientele

“It’s tangible, it’s solid, it’s beautiful. It’s artistic, from my standpoint, and I just love real estate.” ~Donald Trump

“Every person who invests in well-selected real estate in a growing section of a prosperous community adopts the surest and safest method of becoming independent, for real estate is the basis of wealth.”
-Theodore Roosevelt

“It’s tangible, it’s solid, it’s beautiful. It’s artistic, from my standpoint, and I just love real estate.” ~Donald Trump

“Every person who invests in well-selected real estate in a growing section of a prosperous community adopts the surest and safest method of becoming independent, for real estate is the basis of wealth.”
-Theodore Roosevelt

“It’s tangible, it’s solid, it’s beautiful. It’s artistic, from my standpoint, and I just love real estate.” ~Donald Trump

“Every person who invests in well-selected real estate in a growing section of a prosperous community adopts the surest and safest method of becoming independent, for real estate is the basis of wealth.”
-Theodore Roosevelt

Hehe....

May God be with her

The Lord is your strength

Sounds made up.. But funny

May God be with their innocent children

hmmm

I actually thought the mother was made into a ritualistic meal or something

©

What Is Real Estate?
Real estate is property made up of land and the buildings on it, as well as the natural resources of the land including uncultivated flora and fauna, farmed crops and livestock, water, and any additional mineral deposits.

Understanding Real Estate
Real estate is a tangible asset and a type of real property. Real property examples include land, buildings and other improvements, plus the rights of use and enjoyment of that land and all its improvements. Renters and leaseholders may have rights to inhabit land or buildings that are considered a part of their estate, but these rights themselves are not, strictly speaking, considered real estate.

Real property is not the same thing and should not to be confused with personal property. Personal property includes intangible assets like investments, along with tangible assets such as furniture and fixtures like a dishwasher. Also, even renters may claim parts of a home as personal property, provided you bought and installed the property with the lessor's permission.

KEY TAKEAWAYS
•Real estate is real—that is, tangible—property made up of land as well as anything on it, including buildings, flora and fauna, and natural resources.
•Real estate has three basic categories: residential, commercial and industrial.
•When it comes to investing, residential real estate is less expensive and more feasible to individuals, while commercial real estate is more valuable and more stable.
•As an investment, real estate offers income and capital appreciation.
•You can invest in real estate directly—buying land or property—or indirectly through buying shares in publicly traded real estate investment trusts (REITs) or mortgage-backed securities (MBS)

TYPES OF REAL ESTATE
Although the media often refers to the "real estate market," real property examples can be grouped into three broad categories based on its use.

Residential real estate includes undeveloped land, houses, condominiums, and townhouses. The structures may be single-family or multi-family dwellings and may be owner-occupied or rental properties.
Commercial real estate includes nonresidential structures such as office buildings, warehouses, and retail buildings. These buildings may be free-standing or in shopping malls.
Industrial real estate includes factories, business parks, mines, and farms. These properties are usually larger in size and locations may include access to transportation hubs such as rail lines and harbors.

BENEFITS OF RESIDENTIAL REAL ESTATE AND HOME OWNERSHIP
Homeownership, also known as owner-occupancy, is the most common type of real estate investment in the United States. According to the National Multifamily Housing Council (NMHC), roughly two-thirds of residents own their home. Often, these owners have financed the purchase by taking out a mortgage loan, in which the property acts as collateral for the debt.

IMPORTANT -In the 2019 edition of its annual home-value analysis, the real estate website Zillow estimated the total value of all U.S. homes in 2018 was $33.3 trillion, 71% higher than the nation's gross domestic product (GDP) of $19.4 trillion at the time.

Individuals shopping for home mortgages to help them realize the dream of property ownership are faced with a variety of options. Mortgages can charge either fixed-rate or variable-rate interest. Fixed-rate mortgages generally have higher interest rates than variable-rate mortgages, which can make them more expensive in the short run. Fixed-rate loans cost more in the short term because they are protected from future interest rate increases.

Banks publish amortization schedules that show how much of a borrower's monthly payments go to paying off interest versus how much goes to paying off the principal of the loan. Balloon loans are mortgages that don't fully amortize—reduce to zero—over time. Instead, the borrower pays interest for a set period, five years for example, and then must pay the remainder of the loan in a balloon payment at the end of the term.

Also, mortgages can come with heavy costs that include transaction fees and taxes. These additional expenses are often rolled into the loan. Once potential homeowners have proven their eligibility and secured a mortgage from a bank or other lender, they must complete additional steps to make sure the property is legally for sale and in good condition.

BENEFITS OF COMMERCIAL REAL ESTATE
Commercial real estate is used for commerce and includes anything from strip malls and free-standing restaurants to office buildings and skyscrapers. It is often distinguished from industrial real estate, which is practical space used in the manufacturing of products.

Buying or leasing real estate for commercial purposes is very different from buying a home or even buying residential real estate. Commercial leases are generally longer than residential leases. Commercial real estate returns are based on their profitability per square foot, unlike structures intended to be private residences.

Moreover, lenders may require a larger down payment on a mortgage for commercial real estate then what is required for a residence.

Investing in Real Estate
One can invest in real estate directly by buying actual properties or parcels of land; or indirectly, by buying shares in publicly traded real estate investment trusts (REITs) or mortgage-backed securities (MBS). Investing directly in real estate results in profits—or losses—through two avenues, which haven't changed in centuries: Revenue from rent or leases, and appreciation of the real estate's value

Unlike other investments, real estate is dramatically affected by its surroundings and immediate geographic area. Hence the well-known real-estate maxim "location, location, location." Except for a severe national recession or depression, residential real estate values, in particular, are affected primarily by local factors. Such factors include the area's employment rate, the local economy, crime rates, transportation facilities, quality of schools, municipal services, and property taxes.

PROS
•Offers steady income

•Offers capital appreciation

•Diversifies portfolio

•Can be bought with leverage

CONS
•Is usually illiquid

•Influenced by highly local factors

•May require big initial capital outlay depending on how you want to start

•May require active management, expertise

There are key differences in residential and commercial real estate investments. On the one hand, residential real estate is usually less expensive and smaller than commercial real estate, and so it is more affordable for the small investor.

On the other hand, commercial real estate is often more valuable per square foot, and its leases are longer, which theoretically ensures a more predictable income stream. With greater revenue comes greater responsibility. Commercial rental real estate is more heavily regulated than residential real estate, and these regulations can differ not only from country to country and state by state but also by county and city. Even within cities, zoning regulations add a layer of unwanted complexity to commercial real estate investments.

There is also an increased risk of tenant turnover in commercial rental agreements. If the lessee's business model is bad, their product is unattractive, or they are poor managers, they might declare bankruptcy. The business failure can abruptly stop expensive real estate from generating revenue.

Moreover, just as property can appreciate, it can also depreciate. Once-hot retail locations have been known to decay into rotten shopping centers and dead malls.

Appreciation
Appreciation is achieved through different means, but the increase in a property’s value isn't realized until the owner sells it the property. Another way to realize profit would be to refinance the mortgage. Raw and undeveloped land, like the territory right outside a city’s borders, offers the biggest potential for construction, enhancement, and profit. Appreciation can also come from discovering valuable materials or natural resources on a plot of land, like striking oil. Also, a rise in the market values of the area around the land that you own.

As a neighborhood grows and develops, property values tend to climb. The gentrification of urban neighborhoods in some American cities over the last few decades has often resulted in a dramatic increase in real estate prices. Scarcity can also play a role in the value of real estate holdings. If a lot is the last of its size or kind in a prestigious area—or one where such lots rarely become available—it gains in marketability.

Income
Income from real estate comes in many forms. The biggest generator is the rent paid on land already developed into residential or commercial properties. However, companies will also pay royalties for natural resource discoveries on raw land. Also, they may pay to build structures on it, like cell towers or pipelines.

Income can also come from indirect real estate investments. In a REIT, the owner of multiple properties sells shares to investors and passes along rental income in the form of distributions. Similarly, in an MBS, the interest and principal payments from a pool of mortgages are collected and passed through to investors.

Both REITs and MBS investment products trade like stocks, with real estate acting as their underlying security. So, they may offer capital appreciation is the shares gain in market value.

REAL WORLD EXAMPLES OF REAL ESTATE INVESTMENTS
Mortgage-backed securities got a lot of bad press from the role they played in the mortgage meltdown that triggered a global financial crisis in 2007. However, they are still in existence and traded. The most accessible way for the average investor to buy into these products is via exchange-traded funds (ETFs). Like all investments, these products do carry a degree of risk. However, they may also offer portfolio diversification. Investors must investigate the holdings to ensure the funds specialize in investment-grade MBS, not the subprime variety that figured in the crisis.

As of April 2019 the top-performing vehicles of this type include:

•Vanguard Mortgage-Backed Securities ETF (VMBS), which tracks the Bloomberg Barclays U.S. Mortgage-Backed Securities Float Adjusted Index, made up of federal agency-backed MBS that have minimum pools of $250 million and minimum maturity of one year. Priced around $53 per share the fund has a dividend yield of 2.58%.
•iShares Barclays MBS Bond ETF (MBB), which focuses on both fixed-rate and adjustable-rate mortgage securities, and tracks the Bloomberg Barclays U.S. MBS Index. Its holdings include bonds issued or guaranteed by government-sponsored enterprises like Fannie Mae and Freddie Mac, so they are AAA-rated. Trading around $108 per share, it offers a yield of 2.48%.
•SPDR Bloomberg Barclays Capital Mortgage Backed Bond ETF (MBG), which also uses the Barclays U.S. MBS Index as a benchmark, but adopts a more aggressive approach to boost returns. Price at $26 per share, it offers a yield of 3.15%.

Cc lalasticlala
Culled from Investopedia

Everyone wants a piece of land. It’s the only sure investment. It can never depreciate like a car or a washing machine. Land will double its value in ten years or in less than that. Land is going up every day.” -SAM SHEPARD, Curse of the Starving Class