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Added for You - Creative Writing Essentials: Hero's Journey and Shawshank Redemption (1994)
Recently I obtained a copy of Jonathan Leger's Instant Article Wizard. This is a desktop software application that will assist you in doing in-depth article research. Instant Article Wizard has the ability to make you look like an expert in any niche you choose. In this review you will get an objective view of this software product to help you decide if you should invest in this product. We will discuss the most important pros and cons of Instant Article Wizard so you can see the overall picture.Pros:1. Easy to use - Instant Article Wizard 2.0 is extremely easy to use and straight forward. You simply plug in the keywords you want to write your article on, click a button and the software goes to work. You can then pick and choose the sentences that you want to include in your article. It is really just that easy!2. Huge Time Saver - When doing article research, it can take a lot of time to go to a search engine and then read through tons of websites in order to gather data for writing articles. Reading all of those web pages can take a huge chunk out of your day, causing you to take longer to pump out your traffic generating articles. With Instant Article Wizard 2.0
Build up to the Final Conflict; expanding the character of the antagonist [Norton puts the prisoners to work on "community projects."]
Foreshadow of the Atonement [Andy doing Warden Norton's books].
Foreshadow of the Master of Two Worlds [Andy tells Red about the forged identities].
Arrival of the Joker – build up to the Atonement [Tommy arrives].
Joker's backstory [Tommy's done time].
Time Stretch: Hero mentors the Joker [Andy teaches Tommy; Raquel Welch poster].
Setting up the Atonement with the Father [Tommy tells Red et al that Andy is really innocent].
Atonement with the Father [Andy confronts Norton; "how can you be so obtuse…"; solitary for a month; Norton shoots Tommy; Norton threatens to put Andy in with the sodomites and burn the library].
Apotheosis: "you either get bust living or you get busy dying."
Ultimate Boon: Synergy [Red et al are concerned about Andy and will keep an eye on him].
Ultimate Boon: Reward [Andy gets the warden's accounts], replaces the Father [puts on Norton's shoes] and escapes.
Refusal of the Return [Norton et al can't believe Andy has escaped].
Magic Flight [Andy's escape developed with flashbacks].
Master of the Two Worlds [Andy cleans out Norton's bank accounts and sends in the incriminating evidence]. Norton and Capt. Hadley pursued by police].
Foreshadow of the Freedom to Live [the postcard].
Rescue from Without / Mentor's Challenge [Red gets released].
Crossing the Return Threshold [Red out in the Ordinary World].
Freedom to Live [Red finds the directions to Mexico and joins Red].
Learn more…
The Complete 188 stage Hero’s Journey and other story structure templates can be found at http://www.managin
Before you go on a holiday it is necessary that you buy a travel insurance to make your great holiday experience safe. You need to be sure you have the right travel insurance for the destination you are heading, and know precisely what is in your travel insurance policy. Otherwise you could pay a huge financial penalty if things go horribly wrong.A few tips to help you to understand your policy better and get the best deal:1.Benefits matter: Comparing the quotations of the of travel insurance products is not just enough. Compare also the benefits of the cover, the exclusions on the cover and other product features. It's useful to have a 'cooling off' period, in which you are able to decide whether or not the policy really meets your needs. If the policy doesn't have a cooling off period you can cancel your policy for a full refund.2.Plan it well : If you are planning to travel abroad on more than a single occasion in a year then you can save more money by buying an annual multi-trip - travel insurance policy rather than buy a single travel insurance policy each time you go.3.Check the other options: Sometimes
The Hero's Journey is the template upon which the vast majority of successful stories and Hollywood blockbusters are based upon. In fact, ALL of the Hollywood movies we have deconstructed are based on this template.
Understanding this template is a priority for story or screenwriters.
The Hero's Journey:
a) Attempts to tap into unconscious expectations the audience has regarding what a story is and how it should be told.
b) Gives the writer more structural elements than simply three or four acts, plot points, mid point and so on.
c) Interpreted metaphorically, laterally and symbolically, allows an infinite number of varied stories to be created.
Sample Movie Deconstructed: The Shawshank Redemption (1994)
FADE IN: opening music indicates era the story is set in.
Introduce Hero (Andy Dusfresne) and the Romantic Challenge [his wife is having an affair].
Development of Hero's character and the Romantic Challenge [the court hearing; details of his wife's murder; did he kill her?]
Call to Adventure. Hero forced out of his Ordinary World by Herald [the judge sentences Andy to two life sentences].
Meeting the Supernatural Aid (Mentor) and his challenge (Morgan Freeman playing "Red.") [Red faces the parole board and is rejected].
Mentor's status [other inmates rush after and walk behind Red].
Mentor is comfortable in this World [Red walks comfortably and stands tall in this World].
Mentor's capabilities [narration tells us that Red can "get anything;" he's a regular Sears and Roebuck].
Hero enters the First Threshold – Red's World [the bus brings in Andy].
Overview of the New World Hero in entering [overview of the prison].
Hero's status in his Ordinary World [Red narrates that Andy was a VP of a bank – good work for a man his age].
Strange creatures in the New World [from Andy's POV, the prisoners are strange and unfamiliar].
Meeting the Antagonist's Lieutenant / Shape Shifter (Captain Hadley) and is nature [he's a vicious bully].
Hero's status in the New World is low [they're "maggot shit" and "new fish"]. Meeting the Threshold Guardian (Heywood).
Hero uncomfortable in this New World [Andy walking outside the bus].
Mentor notices and evaluates the Hero [Red notices Andy].
Hero enters the Threshold of the Inner Cave [Andy et al line up inside].
An authority figure dictates the rules of this place; meeting the antagonist [Norton tells them the way it is].
Antagonists demonstrate their nature [Hadley truncheon's a prisoner in the stomach].
Transformation begins; Hero begins to lose his Old Self [Andy showered and powdered].
Warnings of the danger of the Journey, the Inner Cave and the First Threshold ["somebody always breaks down the first night."]. Hero enters the Inner Cave [Andy enters his cell].
Confronting the shadows, demons and ghosts of the Inner Cave [the voices of the inmates].
Near Death experience [Hadley kills the fat inmate, but Red his money on Andy getting beaten].
Hero survives the Near Death experience. The Mentor learns not to underestimate him ["on his first night, Andy cost me ten cigarettes – he never made a sound."].
Hero investigates his New World [Andy looks around the following morning].
Foreshadow of the Road of Trials [Bogs notices Andy].
Hero meets allies [Brooks asks for the maggot for Jake, the crow].
Tangible symbol of this phase of the Journey (Jake, the crow). Symbolic of the transformation ["I'm gonna look after him until he's big enough to fly"].
Conflict with a Shape Shifter (Heydon) ["what the f*ck do you care New Fish!"].
Foreshadow of the Road of Trials [Bogs hits on Andy].
Physical Separation form the Old World [Andy keeps himself to himself for a month and then talks to Red].
Mentor warns hero of the coming Trials [Red warns Andy about Bogs and the Sisters].
Mentor agrees to provide the Hero with a Magical Aid. Mentor / Hero relationship established [Red agrees to get Andy a rock hammer].
Mentor reflects on the Hero [Red comments on Andy's manner and narrates that he likes him].
Mentor secures the Magical Aid [Red secures the rock hammer].
Allies assist in the delivery of the Magical Aid [Brooks helps deliver the rock hammer].
Transformation. Trial 1. Resistance [Andy fights off Bog et al]. Trial1 . Andy gets gang raped.
Time Stretch ["things went on like that for a while…the sisters kept at him"].
Time Stretch. Preparing for Trial 2 [red arranges for the allies to repair the roof].
Trial 2. Andy arranges to take care of Capt. Hadley's taxes.
Celebrating the passing of Trial 2. The boys drink beer on the rooftop.
Character development; Mentor's backstory [Andy and Red talk chess; Red is the "only guilty man in Shawshank."]
Foreshadow of the Final Conflict [Andy carves chess pieces with the rock hammer; Andy starts scratching the wall; Andy sources a poster of Rita Hayworth from Red].
Resisting Trial 3 [Andy resists Bogs et al again]. Trial 3 {Bogs et al rape Andy again and put him in the infirmary]. Hero's capabilities demonstrated [Andy prevents having to give the blowjobs]. Hero's Transformation demonstrated [Andy stands up to Bogs].
Separating from the World of the Trials [Capt. Hadley (playing a Shape Shifter) takes care of Bogs].
Celebrating the Passing of the Trials [Red et al secure some rocks for Andy and Rita Hayworth].
Meeting with the Oracle [Norton sizes Andy up for the Journey to the Sword].
Oracle guides Hero toward the Sword [Norton assigns Andy a job in the library].
Tangible symbol of growth [We meet a grown up Jake].
Mentor guides Hero around the World of the Sword [Brooks shows Andy around].
Foreshadow of the journey to the Sword [Andy does accounts for a prison guard].
Developing the Ideal [Andy wants to develop the library for altruistic purposes].
Journey to the Sword with allies [Andy becomes the prison accountant; red becomes a staff member].
Time Stretch:
Resistance to the Return to the Old World; Foreshadow of the Freedom to Live [Brooks upset at getting parole].
Reasons to fear the Return to the Ordinary World [Brooks is institutionalised].
Journey back to the Ordinary World [Brooks lets Jake go].
Danger of the Ordinary World [Brooks returns and eventually commits suicide].
Seizing the Sword [Andy gets the funds for the library].
Celebrating the Seizing of the Sword; pursued by the Antagonist; separating from the World of the Sword [Andy plays the Mozart record].
Rebirth through Death [Andy survives two weeks in the hole; when he returns he takes centre seat at the table; "easiest time I ever did."]
Warnings about the Atonement and Apotheosis "hope is a dangerous thing."
Reminder of the Mentor's challenge [Red refused parole again].
Time Stretch ["I wonder where 10 years went…"]
Resistance to the Warnings [Andy gives Red a harmonica – hope is a good thing].
Time Stretch [Marilyn Monroe poster; Red thinks about the harmonica].
Transformation complete [The State awards Andy full funding for a library]; change of clothing and new glasses.
Build up to the Final Conflict; expanding the character of the antagonist [Norton puts the prisoners to work on "community projects."]
Foreshadow of the Atonement [Andy doing Warden Norton's books].
Foreshadow of the Master of Two Worlds [Andy tells Red about the forged identities].
Arrival of the Joker – build up to the Atonement [Tommy arrives].
Joker's backstory [Tommy's done time].
Time Stretch: Hero mentors the Joker [Andy teaches Tommy; Raquel Welch poster].
Setting up the Atonement with the Father [Tommy tells Red et al that Andy is really innocent].
Atonement with the Father [Andy confronts Norton; "how can you be so obtuse…"; solitary for a month; Norton shoots Tommy; Norton threatens to put Andy in with the sodomites and burn the library].
Apotheosis: "you either get bust living or you get busy dying."
Ultimate Boon: Synergy [Red et al are concerned about Andy and will keep an eye on him].
Ultimate Boon: Reward [Andy gets the warden's accounts], replaces the Father [puts on Norton's shoes] and escapes.
Refusal of the Return [Norton et al can't believe Andy has escaped].
Magic Flight [Andy's escape developed with flashbacks].
Master of the Two Worlds [Andy cleans out Norton's bank accounts and sends in the incriminating evidence]. Norton and Capt. Hadley pursued by police].
Foreshadow of the Freedom to Live [the postcard].
Rescue from Without / Mentor's Challenge [Red gets released].
Crossing the Return Threshold [Red out in the Ordinary World].
Freedom to Live [Red finds the directions to Mexico and joins Red].
Learn more…
The Complete 188 stage Hero’s Journey and other story structure templates can be found at http://www.managing
These days, as people scramble for new and more creative ways to finance buying a home, the interest only mortgage is becoming more common and well known. An interest only mortgage is one in which you have the option of paying only the interest (or just the interest and a portion of the principal) each month in the early years of the mortgage loan. Interest only periods may be applied to adjustable rate mortgages, or 30 year fixed rate mortgages, depending on the lender.In a traditional mortgage, each month your mortgage payment is divided in two parts - one part is paid on the interest charge, the other on the principal of the loan. The main feature of an interest only mortgage loan is that during a specified initial period of time - usually three, five, seven or ten years - you may choose to make a payment of the interest portion of the loan only. The option is flexible. One month you may choose to make an interest only payment, another you may choose to make an interest-plus-part-of-the-principal mortgage payment, or a full, standard monthly mortgage payment. Needless to say, an interest-only payment will be significantly less than a traditional mortgage payment.The fle
Strange creatures in the New World [from Andy's POV, the prisoners are strange and unfamiliar].
Meeting the Antagonist's Lieutenant / Shape Shifter (Captain Hadley) and is nature [he's a vicious bully].
Hero's status in the New World is low [they're "maggot shit" and "new fish"]. Meeting the Threshold Guardian (Heywood).
Hero uncomfortable in this New World [Andy walking outside the bus].
Mentor notices and evaluates the Hero [Red notices Andy].
Hero enters the Threshold of the Inner Cave [Andy et al line up inside].
An authority figure dictates the rules of this place; meeting the antagonist [Norton tells them the way it is].
Antagonists demonstrate their nature [Hadley truncheon's a prisoner in the stomach].
Transformation begins; Hero begins to lose his Old Self [Andy showered and powdered].
Warnings of the danger of the Journey, the Inner Cave and the First Threshold ["somebody always breaks down the first night."]. Hero enters the Inner Cave [Andy enters his cell].
Confronting the shadows, demons and ghosts of the Inner Cave [the voices of the inmates].
Near Death experience [Hadley kills the fat inmate, but Red his money on Andy getting beaten].
Hero survives the Near Death experience. The Mentor learns not to underestimate him ["on his first night, Andy cost me ten cigarettes – he never made a sound."].
Hero investigates his New World [Andy looks around the following morning].
Foreshadow of the Road of Trials [Bogs notices Andy].
Hero meets allies [Brooks asks for the maggot for Jake, the crow].
Tangible symbol of this phase of the Journey (Jake, the crow). Symbolic of the transformation ["I'm gonna look after him until he's big enough to fly"].
Conflict with a Shape Shifter (Heydon) ["what the f*ck do you care New Fish!"].
Foreshadow of the Road of Trials [Bogs hits on Andy].
Physical Separation form the Old World [Andy keeps himself to himself for a month and then talks to Red].
Mentor warns hero of the coming Trials [Red warns Andy about Bogs and the Sisters].
Mentor agrees to provide the Hero with a Magical Aid. Mentor / Hero relationship established [Red agrees to get Andy a rock hammer].
Mentor reflects on the Hero [Red comments on Andy's manner and narrates that he likes him].
Mentor secures the Magical Aid [Red secures the rock hammer].
Allies assist in the delivery of the Magical Aid [Brooks helps deliver the rock hammer].
Transformation. Trial 1. Resistance [Andy fights off Bog et al]. Trial1 . Andy gets gang raped.
Time Stretch ["things went on like that for a while…the sisters kept at him"].
Time Stretch. Preparing for Trial 2 [red arranges for the allies to repair the roof].
Trial 2. Andy arranges to take care of Capt. Hadley's taxes.
Celebrating the passing of Trial 2. The boys drink beer on the rooftop.
Character development; Mentor's backstory [Andy and Red talk chess; Red is the "only guilty man in Shawshank."]
Foreshadow of the Final Conflict [Andy carves chess pieces with the rock hammer; Andy starts scratching the wall; Andy sources a poster of Rita Hayworth from Red].
Resisting Trial 3 [Andy resists Bogs et al again]. Trial 3 {Bogs et al rape Andy again and put him in the infirmary]. Hero's capabilities demonstrated [Andy prevents having to give the blowjobs]. Hero's Transformation demonstrated [Andy stands up to Bogs].
Separating from the World of the Trials [Capt. Hadley (playing a Shape Shifter) takes care of Bogs].
Celebrating the Passing of the Trials [Red et al secure some rocks for Andy and Rita Hayworth].
Meeting with the Oracle [Norton sizes Andy up for the Journey to the Sword].
Oracle guides Hero toward the Sword [Norton assigns Andy a job in the library].
Tangible symbol of growth [We meet a grown up Jake].
Mentor guides Hero around the World of the Sword [Brooks shows Andy around].
Foreshadow of the journey to the Sword [Andy does accounts for a prison guard].
Developing the Ideal [Andy wants to develop the library for altruistic purposes].
Journey to the Sword with allies [Andy becomes the prison accountant; red becomes a staff member].
Time Stretch:
Resistance to the Return to the Old World; Foreshadow of the Freedom to Live [Brooks upset at getting parole].
Reasons to fear the Return to the Ordinary World [Brooks is institutionalised].
Journey back to the Ordinary World [Brooks lets Jake go].
Danger of the Ordinary World [Brooks returns and eventually commits suicide].
Seizing the Sword [Andy gets the funds for the library].
Celebrating the Seizing of the Sword; pursued by the Antagonist; separating from the World of the Sword [Andy plays the Mozart record].
Rebirth through Death [Andy survives two weeks in the hole; when he returns he takes centre seat at the table; "easiest time I ever did."]
Warnings about the Atonement and Apotheosis "hope is a dangerous thing."
Reminder of the Mentor's challenge [Red refused parole again].
Time Stretch ["I wonder where 10 years went…"]
Resistance to the Warnings [Andy gives Red a harmonica – hope is a good thing].
Time Stretch [Marilyn Monroe poster; Red thinks about the harmonica].
Transformation complete [The State awards Andy full funding for a library]; change of clothing and new glasses.
Build up to the Final Conflict; expanding the character of the antagonist [Norton puts the prisoners to work on "community projects."]
Foreshadow of the Atonement [Andy doing Warden Norton's books].
Foreshadow of the Master of Two Worlds [Andy tells Red about the forged identities].
Arrival of the Joker – build up to the Atonement [Tommy arrives].
Joker's backstory [Tommy's done time].
Time Stretch: Hero mentors the Joker [Andy teaches Tommy; Raquel Welch poster].
Setting up the Atonement with the Father [Tommy tells Red et al that Andy is really innocent].
Atonement with the Father [Andy confronts Norton; "how can you be so obtuse…"; solitary for a month; Norton shoots Tommy; Norton threatens to put Andy in with the sodomites and burn the library].
Apotheosis: "you either get bust living or you get busy dying."
Ultimate Boon: Synergy [Red et al are concerned about Andy and will keep an eye on him].
Ultimate Boon: Reward [Andy gets the warden's accounts], replaces the Father [puts on Norton's shoes] and escapes.
Refusal of the Return [Norton et al can't believe Andy has escaped].
Magic Flight [Andy's escape developed with flashbacks].
Master of the Two Worlds [Andy cleans out Norton's bank accounts and sends in the incriminating evidence]. Norton and Capt. Hadley pursued by police].
Foreshadow of the Freedom to Live [the postcard].
Rescue from Without / Mentor's Challenge [Red gets released].
Crossing the Return Threshold [Red out in the Ordinary World].
Freedom to Live [Red finds the directions to Mexico and joins Red].
Learn more…
The Complete 188 stage Hero’s Journey and other story structure templates can be found at http://www.managin
Many entrepreneurs launch a new business without carefully analyzing their financial prospects in advance. They think all they need to do is sell enough of a wonderful product to create a profitable business, but this is rarely the case.A budget, when done correctly, is a powerful tool that will help you make better decisions, and give you a picture of what you what you money is necessary in order to be a successful business in the next 6 months, 12 months and longer. Understanding and having a close control over the money needs of your small business is the key to that success and learning how to prepare an accurate budget is one of the first steps.WHAT SHOULD BE INCLUDED IS A BUSINESS BUDGET?• Projected Sales & Revenue• Costs of achieving that level of sales & revenue• Profit or loss of combing projected sales and their costs• Ongoing cumulative monthly cash flowDEVELOPING A SALES AND REVENUE PROJECTIONIt can be the quick downfall of any small business to overestimate your sales and revenue. It is wonderful to look at a figure on paper for an annual projection, and see big profitable numbers. But the sk
Conflict with a Shape Shifter (Heydon) ["what the f*ck do you care New Fish!"].
Foreshadow of the Road of Trials [Bogs hits on Andy].
Physical Separation form the Old World [Andy keeps himself to himself for a month and then talks to Red].
Mentor warns hero of the coming Trials [Red warns Andy about Bogs and the Sisters].
Mentor agrees to provide the Hero with a Magical Aid. Mentor / Hero relationship established [Red agrees to get Andy a rock hammer].
Mentor reflects on the Hero [Red comments on Andy's manner and narrates that he likes him].
Mentor secures the Magical Aid [Red secures the rock hammer].
Allies assist in the delivery of the Magical Aid [Brooks helps deliver the rock hammer].
Transformation. Trial 1. Resistance [Andy fights off Bog et al]. Trial1 . Andy gets gang raped.
Time Stretch ["things went on like that for a while…the sisters kept at him"].
Time Stretch. Preparing for Trial 2 [red arranges for the allies to repair the roof].
Trial 2. Andy arranges to take care of Capt. Hadley's taxes.
Celebrating the passing of Trial 2. The boys drink beer on the rooftop.
Character development; Mentor's backstory [Andy and Red talk chess; Red is the "only guilty man in Shawshank."]
Foreshadow of the Final Conflict [Andy carves chess pieces with the rock hammer; Andy starts scratching the wall; Andy sources a poster of Rita Hayworth from Red].
Resisting Trial 3 [Andy resists Bogs et al again]. Trial 3 {Bogs et al rape Andy again and put him in the infirmary]. Hero's capabilities demonstrated [Andy prevents having to give the blowjobs]. Hero's Transformation demonstrated [Andy stands up to Bogs].
Separating from the World of the Trials [Capt. Hadley (playing a Shape Shifter) takes care of Bogs].
Celebrating the Passing of the Trials [Red et al secure some rocks for Andy and Rita Hayworth].
Meeting with the Oracle [Norton sizes Andy up for the Journey to the Sword].
Oracle guides Hero toward the Sword [Norton assigns Andy a job in the library].
Tangible symbol of growth [We meet a grown up Jake].
Mentor guides Hero around the World of the Sword [Brooks shows Andy around].
Foreshadow of the journey to the Sword [Andy does accounts for a prison guard].
Developing the Ideal [Andy wants to develop the library for altruistic purposes].
Journey to the Sword with allies [Andy becomes the prison accountant; red becomes a staff member].
Time Stretch:
Resistance to the Return to the Old World; Foreshadow of the Freedom to Live [Brooks upset at getting parole].
Reasons to fear the Return to the Ordinary World [Brooks is institutionalised].
Journey back to the Ordinary World [Brooks lets Jake go].
Danger of the Ordinary World [Brooks returns and eventually commits suicide].
Seizing the Sword [Andy gets the funds for the library].
Celebrating the Seizing of the Sword; pursued by the Antagonist; separating from the World of the Sword [Andy plays the Mozart record].
Rebirth through Death [Andy survives two weeks in the hole; when he returns he takes centre seat at the table; "easiest time I ever did."]
Warnings about the Atonement and Apotheosis "hope is a dangerous thing."
Reminder of the Mentor's challenge [Red refused parole again].
Time Stretch ["I wonder where 10 years went…"]
Resistance to the Warnings [Andy gives Red a harmonica – hope is a good thing].
Time Stretch [Marilyn Monroe poster; Red thinks about the harmonica].
Transformation complete [The State awards Andy full funding for a library]; change of clothing and new glasses.
Build up to the Final Conflict; expanding the character of the antagonist [Norton puts the prisoners to work on "community projects."]
Foreshadow of the Atonement [Andy doing Warden Norton's books].
Foreshadow of the Master of Two Worlds [Andy tells Red about the forged identities].
Arrival of the Joker – build up to the Atonement [Tommy arrives].
Joker's backstory [Tommy's done time].
Time Stretch: Hero mentors the Joker [Andy teaches Tommy; Raquel Welch poster].
Setting up the Atonement with the Father [Tommy tells Red et al that Andy is really innocent].
Atonement with the Father [Andy confronts Norton; "how can you be so obtuse…"; solitary for a month; Norton shoots Tommy; Norton threatens to put Andy in with the sodomites and burn the library].
Apotheosis: "you either get bust living or you get busy dying."
Ultimate Boon: Synergy [Red et al are concerned about Andy and will keep an eye on him].
Ultimate Boon: Reward [Andy gets the warden's accounts], replaces the Father [puts on Norton's shoes] and escapes.
Refusal of the Return [Norton et al can't believe Andy has escaped].
Magic Flight [Andy's escape developed with flashbacks].
Master of the Two Worlds [Andy cleans out Norton's bank accounts and sends in the incriminating evidence]. Norton and Capt. Hadley pursued by police].
Foreshadow of the Freedom to Live [the postcard].
Rescue from Without / Mentor's Challenge [Red gets released].
Crossing the Return Threshold [Red out in the Ordinary World].
Freedom to Live [Red finds the directions to Mexico and joins Red].
Learn more…
The Complete 188 stage Hero’s Journey and other story structure templates can be found at http://www.managin
Ahhh the good old days, when rates were low, applications were a breeze, money was flowing like water and homes were selling like hotcakes. Remember those good old days? Well they may be gone for now but they will return…..someday. In the meantime we have to live with the cards we got. And a lot of folks have some pretty bad cards.Interest rates are up, home prices/values are falling, lending requirements are tightening up, ARM's are tightening and foreclosures are up. My home state of Colorado continues to lead the country in that category. Not a pretty picture.There were four mortgage schemes that were just fine until…..the cows came home.1. Interest Only MortgagesFor many first time buyers this looked like an attractive deal until….Home values start dropping and the borrower finds out he has very little if any equity. If the borrower makes it thru the interest only period of the loan and he finds the real payment with a slight premium may break their piggy bank-causing possible default. When it comes time to sell the borrower may be upside down-he owes more then the home is worth.2. ARMsThese were just fine as long as rates stay
Meeting with the Oracle [Norton sizes Andy up for the Journey to the Sword].
Oracle guides Hero toward the Sword [Norton assigns Andy a job in the library].
Tangible symbol of growth [We meet a grown up Jake].
Mentor guides Hero around the World of the Sword [Brooks shows Andy around].
Foreshadow of the journey to the Sword [Andy does accounts for a prison guard].
Developing the Ideal [Andy wants to develop the library for altruistic purposes].
Journey to the Sword with allies [Andy becomes the prison accountant; red becomes a staff member].
Time Stretch:
Resistance to the Return to the Old World; Foreshadow of the Freedom to Live [Brooks upset at getting parole].
Reasons to fear the Return to the Ordinary World [Brooks is institutionalised].
Journey back to the Ordinary World [Brooks lets Jake go].
Danger of the Ordinary World [Brooks returns and eventually commits suicide].
Seizing the Sword [Andy gets the funds for the library].
Celebrating the Seizing of the Sword; pursued by the Antagonist; separating from the World of the Sword [Andy plays the Mozart record].
Rebirth through Death [Andy survives two weeks in the hole; when he returns he takes centre seat at the table; "easiest time I ever did."]
Warnings about the Atonement and Apotheosis "hope is a dangerous thing."
Reminder of the Mentor's challenge [Red refused parole again].
Time Stretch ["I wonder where 10 years went…"]
Resistance to the Warnings [Andy gives Red a harmonica – hope is a good thing].
Time Stretch [Marilyn Monroe poster; Red thinks about the harmonica].
Transformation complete [The State awards Andy full funding for a library]; change of clothing and new glasses.
Build up to the Final Conflict; expanding the character of the antagonist [Norton puts the prisoners to work on "community projects."]
Foreshadow of the Atonement [Andy doing Warden Norton's books].
Foreshadow of the Master of Two Worlds [Andy tells Red about the forged identities].
Arrival of the Joker – build up to the Atonement [Tommy arrives].
Joker's backstory [Tommy's done time].
Time Stretch: Hero mentors the Joker [Andy teaches Tommy; Raquel Welch poster].
Setting up the Atonement with the Father [Tommy tells Red et al that Andy is really innocent].
Atonement with the Father [Andy confronts Norton; "how can you be so obtuse…"; solitary for a month; Norton shoots Tommy; Norton threatens to put Andy in with the sodomites and burn the library].
Apotheosis: "you either get bust living or you get busy dying."
Ultimate Boon: Synergy [Red et al are concerned about Andy and will keep an eye on him].
Ultimate Boon: Reward [Andy gets the warden's accounts], replaces the Father [puts on Norton's shoes] and escapes.
Refusal of the Return [Norton et al can't believe Andy has escaped].
Magic Flight [Andy's escape developed with flashbacks].
Master of the Two Worlds [Andy cleans out Norton's bank accounts and sends in the incriminating evidence]. Norton and Capt. Hadley pursued by police].
Foreshadow of the Freedom to Live [the postcard].
Rescue from Without / Mentor's Challenge [Red gets released].
Crossing the Return Threshold [Red out in the Ordinary World].
Freedom to Live [Red finds the directions to Mexico and joins Red].
Learn more…
The Complete 188 stage Hero’s Journey and other story structure templates can be found at http://www.managin
One worry of buy & hold real estate investors is getting sued. The sad reality is that anyone that owns real estate assets is a lawsuit magnet. There are a few people who make a profession out of going after anyone they perceive as wealthy. There are four steps to protecting yourself against this type of attack.
Don’t own property. At least don’t own property in your name. Don’t have multiple properties in any one company name. Hold the properties in trusts and other entities to protect your privacy. You are less likely to get sued if you don’t appear to be sitting on ample assets.
Run a reputable real-estate investing business. Pay attention to any health and safety issues. Use licensed contractors and pull building permits. If there is a problem, communicate and be professional.
Carry ample liability insurance.
Protect yourself by arranging your personal real-estate business appropriately. Separate the actions of your employees from your assets. Consider having a management company with your employees separate from your companies that own your properties.
Asset protection works in two di
Build up to the Final Conflict; expanding the character of the antagonist [Norton puts the prisoners to work on "community projects."]
Foreshadow of the Atonement [Andy doing Warden Norton's books].
Foreshadow of the Master of Two Worlds [Andy tells Red about the forged identities].
Arrival of the Joker – build up to the Atonement [Tommy arrives].
Joker's backstory [Tommy's done time].
Time Stretch: Hero mentors the Joker [Andy teaches Tommy; Raquel Welch poster].
Setting up the Atonement with the Father [Tommy tells Red et al that Andy is really innocent].
Atonement with the Father [Andy confronts Norton; "how can you be so obtuse…"; solitary for a month; Norton shoots Tommy; Norton threatens to put Andy in with the sodomites and burn the library].
Apotheosis: "you either get bust living or you get busy dying."
Ultimate Boon: Synergy [Red et al are concerned about Andy and will keep an eye on him].
Ultimate Boon: Reward [Andy gets the warden's accounts], replaces the Father [puts on Norton's shoes] and escapes.
Refusal of the Return [Norton et al can't believe Andy has escaped].
Magic Flight [Andy's escape developed with flashbacks].
Master of the Two Worlds [Andy cleans out Norton's bank accounts and sends in the incriminating evidence]. Norton and Capt. Hadley pursued by police].
Foreshadow of the Freedom to Live [the postcard].
Rescue from Without / Mentor's Challenge [Red gets released].
Crossing the Return Threshold [Red out in the Ordinary World].
Freedom to Live [Red finds the directions to Mexico and joins Red].
Learn more…
The Complete 188 stage Hero’s Journey and other story structure templates can be found at http://www.managing-creativity.com/
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Kal Bishop
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