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Hollow Valley Deck Of Symbols – Buy Here Pay Here Portfolio Purchasers

Instead of writing suit by suit (i. e. all the Wands cards, then all the Cups, etc), I wrote by Number. Astrology Oracle Deck. Hollow Valley Deck of Symbols. I was continuously challenged to develop my assumptions about the cards. I believe in the power of seeing a reflection of oneself in artwork, and especially in tarot. Part of the joy of indie deck creation is the ability to be creative and flexible with the way you represent each archetype of the tarot, and drawing HVT was an incredible unlocking experience in my understanding of the cards. It took me a little while to find my entry point into the deck. When I think of creativity, I think of the Magician card: all of these tools laid out on an altar, creating something only YOU can make. Editor's note: Davis and Erin are really special folks, and I highly recommend following their projects. If you have not received an order receipt, or shipping confirmation email, please check your junk, spam, or promotions folders and be sure to add to your safe list. I Am Affirmation Cards. Through indie illustrated tarot and oracle decks and magical goods as well as classes on witchery and inspiration, Erin helps creative witches get clarity on their purpose so they can share more of their magic and art with the world. Noticing the magic around you.

The Hollow Valley Tarot + Guidebook Has Arrived! –

For pretty much any major project (before a client session, at the beginning of the work day, a transition between projects), my ritual goes something like this: sit at my altar (I have a deep window sill in my office that I use as an altar), light a candle (Ikea tea lights), burn some rosemary, and take several deep breaths. My favorites are Emily Prentice's oracle deck, The Poesis Oracle, and the Woodland Warrens Deck created by another Nashville artist, Jessica Roux. Mountain Hollow Crystals. Erin: I have been diving back into some fiber crafts that I used to spend a lot of time on in my early twenties, namely knitting and embroidering small patches. Shipping is calculated by the weight of the product, any shipping overages will be refunded at the time of mailing. Will definitely order again! Before we started using the phrases of intention, it was like we didn't have an entry point for the illustrations. Meaning that natural seasons are also seasons we must experience in our lives. ⌓ Each deck features 65 symbol illustrations, each featuring the symbol itself as well as related symbols and elements of the natural world that add to and strengthen the card's meaning. NFL NBA Megan Anderson Atlanta Hawks Los Angeles Lakers Boston Celtics Arsenal F. C. Philadelphia 76ers Premier League UFC. This deck illustrates 48 medicinal plants in full colors, with key words to guide you as you discover their magical meanings. It had a structure that I could study and memorize, which made my logical brain happy… but it had so much room for interpretation and creativity. Tarot readings by: The Hollow Valley. I came across her oracle deck, The Hollow Valley Deck of Symbols, and immediately purchased a copy.

What lead you here is not the end all be all. The Hollow Valley Deck of Symbols is an oracle deck that helps us notice that the symbols surrounding us in our everyday life hold deep power and can guide us towards the magic that exists around us and inside of us. Create an account to follow your favorite communities and start taking part in conversations. It was so freeing to be able to hand off my card descriptions and trust that she would create something incredible, something I could never imagine.
By continuing to use this site you consent to the use of cookies on your device as described in our Privacy Policy unless you have disabled them. I'm always looking for recommendations. It is intended as a companion for the Hollow Valley Deck of Symbols and can be purchased with the deck here. If I had any particular notes for Erin for that particular illustration (for example: "no juggling in the Two of Pentacles"), I would include them as well.

‎Living Tarot: Creating The Hollow Valley Tarot With Erin Alise And Davis Carr On

TINA'S ENCHANTED MOON. When I decided to use this process for illustrating the tarot deck, it definitely opened the process wide open for both me and Davis. Gold Lyre Tarot: 'Invite the divine feminine and modern gender-fluid expression into your divination practice with the Gold Lyre Tarot. Tarot is like a good friend who doesn't tell me what I want to hear, but what I need to hear. The Hollow Valley Tarot: Rich in symbolism and steeped in magic, you haven't seen a tarot deck like this before. And because sigils come from phrases of intention, I've also been writing those for just as long. During our bi-annual sales events, shipping times can be 2-3 weeks after orders are placed. I hope you've found as much wisdom in these interviews as I have.
Davis: Ahh, I love telling this story! Magickal Home Goods. There aren't any "core" or "essential" meanings to cards — each interpretation is an act of creativity. "My magic and my art have been intertwined my entire life. Erin would turn these into a sigil, which she used as the layout for the card itself. And that's how we did all 78 of the cards! Also, it showed me that my intuitive interpretation of the cards was powerful now, even when I know I still have so much to learn about tarot as a whole. Can you share more about your collaborative creative process for The Hollow Valley Tarot deck? Davis uses ancient Hellenistic astrological techniques to help fellow creative and over-achieving professionals connect to their core, authentic self, so that they can stop questioning who they are, and instead lean into their strengths and authentic nature. Erin and Davis both discuss times when they did and didn't listen to their intuition and what they learned. For me, interpreting tarot cards is the ultimate act of creativity. Erin: I teach a whole class on this, so I could go on and on, but I will try to be relatively brief: I believe that art and magic are essentially the same: an act of creation that requires something from within us.

Flexible and smooth, the cards are a joy to shuffle and easily slide across one another. I'm also just a big fan of ghost stories and it's spooky season! I am a little obsessed with the creative partnership between Davis (who wrote the guidebook) and Erin (who created the sigils and illustrated all of the cards). This is a long, juicy convo filled with deep insight into their magical collaborative process. On Episode 52 of Living Tarot I host my friends Davis Carr, and Erin Alise Borzak, the creators of the Brand New Hollow Valley Tarot.

Guidebook For The Hollow Valley: Deck Of Symbols –

In her book, Guided Tarot, she offers easy exercises to nurture and grow your intuition, not only to understand the cards' universal meanings, but to channel your own meanings. The cards are intended to be used much like Tarot cards, with the added intention of prompting you, the reader, to see and appreciate the appearance of these symbols in your waking and sleeping hours. Early on in the process, I came across Pythagorean Number Theory and became deeply intrigued. It's associated with Gemini/Mercury, which is my Rising Sign and ruling planetary. We used Notion to coordinate our work and store the draft descriptions. Sellers looking to grow their business and reach more interested buyers can use Etsy's advertising platform to promote their items. Magic as a pivot point during the day.

Kim Kardashian Doja Cat Iggy Azalea Anya Taylor-Joy Jamie Lee Curtis Natalie Portman Henry Cavill Millie Bobby Brown Tom Hiddleston Keanu Reeves. Core witchcraft values and beliefs. Crystals // The Stone Deck. It has a really unique perspective that challenges and inspires me. Crafted by Erin Alise.

Sigils are created from phrases of intention that are then turned into graphics/images. I use several methods to activate my sigils: drawing them in the dirt before a rain and letting them wash away, drawing them on a piece of paper and burning it, weaving them, drawing them on my palms/skin and letting them wash away - just to name a few! The second edition guidebook included is 168 pages, 5x7, perfect bound, with a soft matte cover. Davis: Taking breaks is so essential for overcoming creative stuckness. 78 cards (includes comprehensive guide book). It felt like the missing piece of the puzzle.

At first, I just started pulling cards and jotting down my interpretations. If I am truly at an impasse, I'll listen to a guided meditation or do some energy work on my own. Emily is a friend and peer, the host of the amazing (free) Discord community Art & Everything, and the creator of Mycelium Magazine, a lovely zine that readers should check out. Flower Shop - 1263 Market St - Delivery Available. We became Instagram friends, liking and commenting on each other's posts, and eventually DMing each other. I don't worry about shuffling "wrong. " We just haven't stopped since! Which tarot decks have you been turning to lately?

The Desert Illuminations Tarot hopes to inspire any reader with the imagery and motifs that make the American Southwest a unique and important cornerstone of culture and art in the United States of America. PS: Sales opened to newsletter subscribers in advance of the general public, just one more reason to subscribe! Can you share a bit about how you came up with the idea for those, and for the sigils that guided the image on the cards? Tickets: $20 entry (includes free drink token). And then I'd sit down at the computer and write. And each contributor shares which card they are relating to most in the moment. Because my sigils are mostly symmetrical, all of the cards in the deck have mirrored images. 120+ pages, 5 x 7 inches, perfect bound, with a soft matte cover. Erin: Mostly, I remember thinking "I hope it's not weird that I am messaging this stranger to ask if they want me to draw things for them, " and it wasn't weird. Illuminated Tarot: The Illuminated Tarot folds together the tarot's traditional Major and Minor Arcana into a 53-card deck that can be used for either gameplay or personal reflection. Rich in symbolism and steeped in magic, the illustration of each card is based on a sigil created from a phrase of intention that captures the card's essence. I let myself have messy first drafts.

Loans with payments that are fewer than 90 days late may occasionally be deemed as performing. The major reason why debt portfolios are in high demand is easier market entrance in comparison with other industries. 00 at face value for 75bps, you would multiply $500, 000. Buy here pay here portfolio purchasers local. Blanket loans and portfolio mortgages may be a good options for investors looking for financing for 10 or more rental properties: - Offered by private lenders rather than traditional banks and credit unions. Six months of cash reserves required for each property.

What Is Buy Here Pay Here

Maximum debt to income ratio of 45%. Bill Neylan with Tax Max will discuss how to attract and sell customers, steal market share, increase revenue, and reduce overall risk over the next 2-6 weeks. Excess spread and triggers: As illustrated below, the expected yield or return of the underlying asset pool usually exceeds the average yield of the issued ABS debt. AverageBalance: $347. Conference Workshop Profiles. Whether a collector verifies the debt or not, use the Debt Validation Letter to formally request a debt validation. How to Finance Multiple Rental Properties to Grow Your Portfolio. Learn about the recent changes in the market. DUE DILIGENCE - Due Diligence is defined as "Reasonable steps taken by a person in order to satisfy a legal requirement, especially in buying or selling something". What business model brings the best price? 00 gross amount collected. EDIT: First of all, thank you all so much for the support, I can not believe how much positive response this article has gotten from the community at large outside of Steemit where I posted the first version of this article.

Buy Here Pay Here Portfolio Purchasers Local

SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed! " Of course, unforeseen situations arise, and you may have difficulty making regular payments. I'll provide resources below to help you find good debt. Brian will explain how to utilize floor plans properly and why they are such an important part of your capital structure. Residential real estate is typically located in residential neighborhoods. Post Charge Off Agency. The Pros and Cons of Purchasing a Rental Property with Cash. If you don't know exactly what you're buying, you will be taken advantage of. This is usually not available to view before purchasing the portfolio, however if you inquire with the seller they can usually provide you with the necessary information about the history of the portfolio. In addition, when properly managed, owners can use cash flow to reach larger investment goals. That fed Zillow's iBuyer confidence as it quickly grew its home buying business to over three-fourths of its total revenues. He is very hardworking and always has answer to our questions part he's always available to help.

Buy Here Pay Here Portfolio Purchasers Signatory Thereto

You can't sell them until you acquire them! 4 million, down less than 1% from last year. However, they will file a lawsuit if they believe you can pay but are refusing. There are federal regulations for when creditors must do this: This is where things get interesting and confusion begins. If you fail to settle, the company may sue you. A performing loan is one on which the borrower has traditionally made timely payments. Hire Purchase Agreements: Definition, How They Work, Pros and Cons. However, don't let them "walk away" from their contractual obligations! Media: Upon Request. Mortgage/Property Liens. What are the typical recourse provisions and best ways to handle them? However, your account officially becomes delinquent if you don't make any payments for 30 days or more. That said, paying in cash avoids this significant monthly expense.

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From July 1 to September 7, a new Ford Bronco cost on average 21. Look no further than Ohio, which saw the share of investor homes sales jump in Cincinnati (up 2. Corrine Kirkendall of PASSTIME and Eric Johnson, attorney for Hudson Cook, LLP will answer your questions about disclosure, compliance, and the internal controls you need over these devices. Buy here pay here portfolio purchasers site. "Legal Q&A - Fair Lending Practices". To conduct the analysis, the Harvard researchers analyzed home sale data collected by CoreLogic. Risk Diversification. They prefer to get you to pay in another, more straightforward way. How do these experts deal with customer complaints? You can own shares of an individual rental home, earn passive income while having someone else manage the property, and easily diversify across multiple homes and locations.

Buy Here Pay Here Portfolio Purchasers Site

FaceValue: $350, 000. Make sure to review the state laws for your state as well as any state that you plan to operate within. If you have concerns that what the sticker on the window says and what the salesperson says wildly differ, you're not alone. With demand for new cars still outpacing supply at many dealerships, buyers may be asking themselves if they need to pay over the average manufacturer's suggested retail price, or the sticker price, to get the car that they want. The combination of low mortgage rates, easy access to capital, and record home appreciation was all too enticing for investors to pass up on. Non-performing RE is not leased and does not generate income. What is buy here pay here. By contributing capital to an LLC, investors may be able to purchase more rental property as a group than they could individually. The FTC released a study in January 2013 that gives insight into the debt buying industry. 11:00 AM – 11:45 AM. Here is a video I recorded about the secondary debt market: This link can't be embedded. This is equipment that is used in the operation of a commercial property, such as machinery, vehicles, tools, and other assets that are necessary for the day-to-day operations of the property. Usually, the bond indenture serves as the governing document, but some securitizations may use a credit agreement, a trust deed, or a servicing agreement. That's because the items can be repossessed more easily should the buyer be unable to keep up with the repayments.

The FTC explains: The report stated that "most consumers do not know or understand their legal rights with respect to the collection of time-barred debt, " so attempts to collect on stale debt in many circumstances may create a misleading impression that the consumer could be sued, violating Section 5 of the FTC Act and Section 807 of the FDCPA. "Wonderful communication and support. DDA (Checking Account Overdrafts). There are many different types of debt which may have different laws governing the sale, statute of limitations and collection process.

However, here are some of the main reasons an investor may consider a cash transaction. With down payments and repayments declining you must make every recon expenditure count. What should you consider when selecting the right DMS software? So, if you owe $5, 000, a lawsuit is highly possible. SPVs: The Structure of Structured Credit. PURPOSE - Before becoming a debt buyer, there are a few decisions you need to make that will affect your debt buying processes. When your account reaches this stage, there are high chances that the lender will cut their losses and sell the account to a third-party debt collector. Should you issue 1099c's? In general, the lower the GRM, the better the investment may be because there is more rental income generated relative to the purchase price. Net Operating Income (NOI). Debts beyond the statute of limitations are called "time-barred, " and the FTC is particularly concerned with consumers' rights in cases of time-barred accounts. Did you know that your personal debt can be sold to the highest bidder in an online portfolio with other past due accounts? Financing your first couple of rental properties can be relatively easy, but as you grow your real estate portfolio, investment property loans can be harder to find. BHPH Best Operating and Compliance Practices Conference.

Instead, money received from tenants is full cash flow, minus any minor expenses required. It's now abundantly clear that investors did indeed help accelerate the housing boom and drive up U. home prices. Buying debt is not like buying something from Amazon. Make the Most of Any Investment. Community Facility District (CFD) is run by local governments in the United States to fund public infrastructure and services in new or developing communities. After the Conference, use the updated benchmarks to evaluate your own 2014 performance against your peers. Real estate commercial property is typically occupied by businesses, and the property owner is receiving regular cash flow from the property. Make sure you know where you wish to operate and that failure to license or bond in specific states may restrict a bank or debt brokers' ability (or desire) to sell debt to you. They can be sold by banks to other banks or investors. Of this total, only 51% were verified by the collection agencies.

But you can win against collection agencies in court. Take a look: |Age of Account||Price Sold|. This is intended to be used only as a general reference for individuals new to debt buying. Debt liquidates the best with the first agency and significantly less with each agency after. In addition, while real estate can easily appreciate, it can just as easily depreciate, resulting in potentially huge losses.

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