## IT’S A NUMBERS GAME!

08/04/2015    vol15 # VI

One could easily argue that the Brain is the most important part of the body, maybe that’s why it’s on top. The brain does all the thinking and instructing the other parts of the body….Kind of like a roof. The roof protects the structure in much the same way. It allows for the structure to eliminate a lot of radon gases and other health hazards most of us are not conscious of. The roof protects the integrity of the structure. Its design to throw water away from the foundation, and can greatly increase the value of your property. So take these suggestions into consideration when looking to increase the value of your property, and get a better return on your investment.

Here are some general numbers you can use to calculate how a contractor will price your roof. (Area and part of the country may vary)

Let’s calculate a hypothetical roofing contractor’s overhead cost:

Office manager salary: \$36,000 + 18% for Workers comp, taxes, unemployment insurance = \$42,800 / year.

Office / storage rental: \$12,000 / year + \$2,400 in utilities = \$14,400.

Insurance: \$7,500 / year.

2 Trucks: \$9,500 / year * 2 = \$19,000.

Office supplies: \$1,000 / year.

Miscellaneous: \$1,000 / year.

Total overhead cost: \$91,700 or \$251 each day of the year!

Figuring out total contractor’s cost to install one 15 squares roof:

Materials: \$150 / square.
Labor: \$86 / square (\$1285 / 15 squares).
Overhead: \$17 / square (assuming that a roofer does only 1 roof per day).
Dumpster + permit fees: \$400 or \$27 / square.

Total contractor’s cost: \$4,186 to install a typical 15 squares ranch house roof, or \$279 / square, before ANY profit.

If we consider that a roofer makes an average 25% NET profit on each job, before taxes, then our hypothetical roof above would yield \$1,046 in profit. Total cost of such a roof would be \$5,232 or \$350 per square.

* * *Google Source: How to calculate A roof.***

## It’s A Numbers Game!!!

06/04/2015    Volume 15 edition V

I pledge allegiance to the Democracy; I mean Republic; you may want to check with Mr. Webster for the meaning of Republic.

According to some economist, it would take a renter earning at least \$19.35 per hour to afford a two bedroom apt. in SAN FRANCISCO working full time.

Hawaii \$31.61 which equate to working four full-time jobs working at minimum wage. 28.04 Per hour in D.C.

Small business (Mom & Pop) stores and restaurants, you remember the neighborhood businesses that had the best hot dogs and hamburgers, and gave us after school jobs; don’t you remember?

Are we going to ask Mom to pay \$10- \$15 per hour? Layoffs are surely coming to after school kids.

Small businesses are what AMERICA was built on. Let’s look at the numbers: rent, workman’s comp, insurance, Professional fees, etc. Now how much can Mom charge for her hot dog? How much are you willing to pay?

I’m all for everyone making enough to be comfortable and take a summer vacation, but I have an idea. Let’s cut tax liability so that take-home pay will be more. Yeah!

That is a good idea; don’t you think? Your hot dog want go up…

Let’s figure out how we can make HOMES affordable.

Michael Gould

(205)902-2283

E21 Realty

100 Concourse Pkwy E Bldg #135

Hoover, Al.35244

“Don’t go into court without a lawyer or a real estate deal without a REALTOR”

# “The testing found consumers were better able to understand the information on the new forms without the line numbers,” the spokesman said.

Michael Gould

(205)902-2283

E21 Realty

100 Concourse Pkwy E Bldg #135

Hoover, Al.35244

“Don’t go into court without a lawyer, or a real estate deal without a REALTOR”

## IT’S A NUMBERS GAME

Published 4/30/15    volume 15, number IV

So you’re ready to start your business, but don’t know exactly where to start. You have a great idea; but now it becomes “A Numbers Game”.

In the Commercial world, it all about “Numbers”, price-per sq. ft. zoning, building classification, tenet allowances, etc.

You have got to decide whether to lease or buy. I could make an argument for both. But as always it comes down to your cash on hand or your access to capital; we’ll talk about that another time.

Decide how you are going to structure your business; sole-proprietor. LLc, etc. Basically how you’re going to pay your “Uncle”.

I was presented a question about three top priorities of starting a business; (after money of course), Certified Public Accountant (CPA), Business Lawyer, and a Bank that only does business in

Someone wrote: “Plan Your Work, and Work your Plan “– A.G. GASTON.

“Don’t go into court without a lawyer; don’t go into a real estate deal without a Realtor”- Michael Gould

## IT’S A NUMBERS GAME

Ellicott’s Stone Baldwin County

I was looking for the coordinates of Mt. Everest, and how it connected Nepal to Tibet in China. I then decided to locate Birmingham’s Global Position Satellite (GPS), and I came across this interesting fact.

Curious minds ENJOY!

 Ellicott Stone The south side of the stone. It reads: Dominio De S.M. Carlos IV, Lat. 31, 1799. Nearest city Bucks, Alabama Coordinates Area less than one acre Built 1799 Governing body Local NRHP Reference # 73000359[1] Added to NRHP April 11, 1973

Ellicott’s Stone, also known as the Ellicott Stone, is a boundary marker in northern Mobile CountyAlabama. It was placed on April 10, 1799 by a joint U.S.Spanish survey party headed by Andrew Ellicott.[2][3] It was added to the National Register of Historic Places on 11 April 1973.[1]

It is the only known stone monument set by Ellicott when he surveyed the 31st parallel north latitude, which served as the boundary line between the Mississippi Territory in the United States and Spanish West Florida.[3]The boundary line extended along the 31st parallel from the Mississippi River east to the Chattahoochee River, as set forth in the 1795 Pinckney Treaty, formally known as the Treaty of San Lorenzo.[4][5] Ellicott’s Stone is the initial point for all United States Public Land surveys in the southern region of Alabama and Mississippi. It is the point of intersection of what is known today as the St. Stephens meridian and the St. Stephens baseline.[3]

Contents

• Description

The stone marker, a ferruginous sandstone block about two feet high and eight inches (203 mm) thick, is near the west bank of the Mobile River. On the northern side of the stone is an inscription stating “U.S. Lat. 31, 1799.” The inscription on the southern side reads “Dominio De S.M. Carlos IV, Lat. 31, 1799.” (Dominion of his majesty King Charles IV, Lat. 31, 1799)[4][5]

## Central Alabama Caribbean American Organization (CACAO) www.cacaoonline.org

On June 13th CACAO will host their 4th Annual Caribbean festival in Linn Park.

To those who joined us for the party on Sunday, my sincere thanks. Who knew Bingo could be so much fun 🙂 Thanks to board member Janet Hamm for getting us all engaged in Great food, great friends, great fun and no rain, just a wonderful evening.

For those who missed it here is a quick rundown of activities that were announced for June to celebrate the 10th Anniversary of Caribbean American Heritage Month.

On May 30th the Birmingham Museum of Art will host a workshop where kids 5 and up will get to work with their parents to make Caribbean carnival costumes. We are fortunate enough to have Maureena Watson who runs the Atlanta children’s carnival as teacher for the workshop; I am including a link very excited because after 4 years of hard work, we are being recognized by the Birmingham community:

On June 7th St. John’s AME Church downtown Birmingham will host a service and reception in honor of Caribbean American Heritage Month. I need as many people as possible to attend because I would like volunteers to wear their national colors and carry the flags of the various Caribbean countries. This will be a really fun event.

On June 13th CACAO will host their 4th Annual Caribbean festival in Linn Park. We are expecting a great turnout; great food, music, dance contests and just a great time. We could use some volunteers here also, so if you haven’t yet paid your dues, remember, we pay for all these events so your help would be greatly appreciated. We will also be drawing for the winner of the two tickets to the Father’s Day concert in Atlanta during the festival.

On June 20th our sister group in Huntsville is hosting a Caribbean gala. As you know they regularly attend our dinner in December, so this is our opportunity to round out Caribbean American Heritage Month by joining with them. I will share the flyer when I receive it.

Lots of exciting things planned to celebrate our unique Caribbean culture, time for you to stop sitting on the fence and get involved. CACAO is growing, come grow with us.

Pauline Ford-Caesar

President,

Central Alabama Caribbean American Organization (CACAO) www.cacaoonline.org

## IT’S A NUMBERS GAME

Publish 4/20/15 vol. 15; issue 3

AS far back as we can remember, people have been trying to control land, through one means or another. Using words like foreclosure, prescriptive rights, eminent domain etc.
Land is the basis of all wealth, the heritage of the wise, the thrifty and prudent. It’s the poor person’s joy and comfort, the rich person’s prize, the right hand of capital and the silent partner to thousands of successful people.

Land is the solace of the widow, the comfort of old age, and the cornerstone of security against misfortune and want. It’s handed down through generations, as a possession of great value. The value of land is growing through countless days. Though it may seem dormant, the value of land increases, never falling, never ceasing. Time is an aid and the ever increasing population adds to its gain. Land has the ability to defy fire and the elements–for they cannot destroy it.

While all other things wither and decay, land alone survives. As centuries pass land becomes younger, always increasing in strength. All oils and minerals come from land. It is the producer of food, building materials and the home to every living thing on this planet. Land serves as a foundation for homes, factories, banks and stores.

Although land has not been produced for millions of years, it’s so common that thousands of people, unthinking, and unknowingly pass it by.
“Don’t go into court without a lawyer; don’t go into a real estate deal without a REALTOR”

Michael Gould
http://www.michaelgouldgroup.com

## IT’S A NUMBERS GAME

It’s a Numbers Game

“Don’t go into court without a lawyer. Don’t go into a real estate deal without a REALTOR”

So you want to get started in investing in real estate, but don’t know where to start, well as the title states, it’s a Numbers Game.

Start your research with terms of the business. Understanding the definition of this and any other business sets a firm foundation in conversation now and in the future.

Understand what you want out of the investment; I know you want to make lots of money, but

have in mind a minimum return on your  investment (ROI). That is the per annum percentage rate.

Understand CAP rates and learn the formula. This will help in ascertaining you’re (ROI).

Don’t forget business structure will determine tax liability, I know how you feel about “UNCLE SAM”

But he’s got to eat too.

HAPPY INVESTING…Let me know if I can help…