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

“Ignorance leads to fear, fear leads to hatred, and hatred leads to violence. This is the equation.”
― Ibn Rushd, Averroes: Antología

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

“While I used to get angry and frustrated at people because of the choices they made, I came to realize that they weren’t intentionally acting in a way that seemed counterproductive; they were just living out things as they saw them, based on how their brains worked.”
― Ray Dalio, Principles: Life and Work