Abdullah Alfa'adel

“Gross rental income (including utilities fee) –  Mortgage payment (including principal, interest, taxes, and insurance) – Cost of utilities –  Vacancy allowance (10 percent of gross rents) –  Maintenance and CapEx (estimated at 1 percent of the property’s value, divided by 12 for monthly cost) –  Property management (10 percent of gross rents) Cash flow”
― Scott Trench, First-Time Home Buyer: The Complete Playbook to Avoiding Rookie Mistakes

“Replace these habits with time spent working out, learning to make and enjoy healthy and delicious meals, hanging out with close friends and family, working on your goals, developing quality new connections, volunteering, and finding mentors.”
― Scott Trench, Set for Life: Dominate Life, Money, and the American Dream

“imagining what might happen if one’s circumstances were different was the only sure route to madness.”
― Amor Towles, A Gentleman in Moscow

“Demography, not democracy, will be the most critical factor for security and growth in the 21st century”
― Lee Kuan Yew