Todd Luther @ToddLuther
CRE Financial Analyst at CapNorth. Bellingham, WA Joined January 2013-
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Best hot sauce on Earth. Anyone disagree? #sriracha
There’s a lot of things about humans that I don’t understand. Near the top of that list is the desire to be the first one to board a plane. Why would you want to be stuck inside a metal tube for any longer than you have to be??
Me: the internet is a useless wasteland The internet:
Some elderly people (and others) literally drive around playing bumper cars in various parking lots.
As part of our effort to reduce our carbon footprint, we’re excited to announce that we will be replacing several of our patrol SUV’s with state-of-the-art skateboards! *possible delayed response time if you live at the top of a hill.
I’m 22. I used to be a broke, depressed uni student with no idea what I wanted to do in my life. Then, I discovered stoicism, and the philosophy changed my life forever. My 15 favorite takeaways:
The leader of the street gang the Crips, Stanley Williams lived an extreme double life — during the day, he was an anti-gang youth counselor, and at night he was the boss of the Crips, committing violent gang crimes against a rival gang, the Bloods. So during his normal life…
BIDEN’S BIG BACKFIRE Last week I gave a talk at the American Moment conference in D.C. in which I compared Biden’s claims at the beginning of the Ukraine War to how it has actually turned out. I explained how Biden’s policy has backfired in 4 key areas: 1) ECONOMIC At the…
BIDEN’S BIG BACKFIRE Last week I gave a talk at the American Moment conference in D.C. in which I compared Biden’s claims at the beginning of the Ukraine War to how it has actually turned out. I explained how Biden’s policy has backfired in 4 key areas: 1) ECONOMIC At the…
People check their phones an average of 352x/day (Dr. Phil)
Here’s a serious narrative violation: my bud makes $600k per year working 10 hours a week while owning… a plumbing company. Honestly I wouldn’t believe it I didn’t trust and know this guy really well. And it wasn't easy in the beginning. But here’s how he does it. First off,…
I guess I need to clean up my act. My comedy shows in Seattle are cancelled along with @luisjgomez @ComicDaveSmith and @kurtmetzger. After careful consideration and discussions with our team, investors, local comedians, and neighborhood advocacy groups, we've encountered a…
A cougar attacked a group of five cyclists on a private timber trail northeast of Fall City Saturday afternoon, according to the Washington Department of Fish and Wildlife. st.news/3ULx6H4
A WAR OF LIES The war in Ukraine is based on lies — lies about how it started, how it’s going, and how it will end. We are told that Ukraine is winning when in fact it is losing. We are told that the war makes NATO stronger when in fact it is depleting it. We are told that…
Worth watching, especially for parents
How to keep your cost low when building a home? Here are some helpful tips from my experience. 1. Stick with single floor - although it’s common to hear that building up is cheaper than building out, I would argue that it truly depends on the quality of finish you are putting…
3 reasons why I personally will absolutely NEVER take a STATIN medication: 1. Grossly exaggerated benefits when you actually dive into the real data on Number Needed to Treat and Absolute Risk Reduction (which most practicing Doctors have no clue about) 2. I do not subscribe to…
Analyzing a real estate deal in 30 seconds: Market rent * unit count * 12 months * 95% occupancy = revenue Revenue * market NOI margin = NOI NOI / (purchase price + renovation costs) = stabilized yield If stabilized yield is 200 bps > market cap rate, it’s worth looking into
10-Year Treasury is now down to 4.45%. Today…is a good day.
Tetoughd @tetoughd82231
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65K Followers 1K Following Me gustan mucho los volcanes y terremotos. Los investigo, y divulgo sobre ellos. Escribí #VolcanesYTerremotos y #ManualParaSobrevivirANuestraLocaGeografíaLa Hora @DiarioLaHora
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298K Followers 8 Following Telegram: https://t.co/gjNB6Jd5rw Instagram: https://t.co/FILG1uLy2UThis boat filled with teens was filmed leaving Boca Bash 2024 in FL and dumping 2 trash cans full of garbage in the ocean. The boat belongs to Chris & Lisa Ruth and their son was the captain at the time. At a minimum they should get major fines. Disgusting! 📹:wavy_boats on IG
When a picture just won’t do it justice 🌄 Seeing the storms roll in at sunset is incredible.
@OliLondonTV “The past was erased, the erasure was forgotten, the lie became the truth.” — George Orwell
What did she want to do with lighter?
JUST IN: Holiday Inn Express in Washington DC sells at a shocking ~80% 'discount' to debt owed The lender was the only bidder in the foreclosure auction, bidding $18.5M The lender was owed $83M as the largest secured creditor The 247 room hotel opened in Dec 2022 Source: WA…
@SawyerMerritt Tesla is gonna sell the sh!t out of this car.
@theficouple We had this very scenario, here’s what we did: We paid off the house, 19 yrs in. Best feeling in the world, pride. (Note: my parents still have mtg) Put insurance on monthly payment plan -$100. Pay prop taxes in apr and oct Allowed us to increase our cash flow significantly…
Let’s say you build a business from scratch and qualify for Biden’s new 25% unrealized gains tax. So you have to sell 25% of your business to pay the tax. But now you have to pay 44.6% cap gains + 13.3% CA on that. So you actually have to sell ~37%. Is this right?
How I underwrite: 2 columns in excel, one for in-place income, one for stabilized income In-place income column just checks that the property can service its debt at a 1.25x DSCR Stabilized column makes sure that the stabilized yield will be 200bps above the market cap rate
This graph illustrates the woke mind virus taking over legacy media. Same happened with online media and the education system. Then it spread to other countries. Infection rate almost 100%. But now it will die.
Seattle is the armpit of Washington state. You leave the city limits and it's like a different country.
Dr. Fauci claims to have NO knowledge of the dangerous gain-of-function research that resulted in COVID-19, yet the NIH was involved in the intial research proposal with the Wuhan Institute of Virology. He engaged in the COVID cover-up & should be behind bars. Sign if you agree.
I had a long call with my sister tonight. She has a Bible from 1764 that she picked up in a shop in the UK, where she lives. She read me one of the Chapters, called "Belle and the Dragon." It is a story that includes teleportation, dragons, of course 💃, and Persia and forgotten…
I hear some of my family will be endorsing President Biden today. I am pleased they are politically active — it’s a family tradition. We are divided in our opinions but united in our love for each other. I hold this as a possibility for America too. Can we disagree without…
I give zero fucks about Iran or Israel America should stay the fuck out of their war Neither Iran nor Israel is our friend
@Jason Did you just make a good post? What’s going on?