Today redeemed $100,000 from US treasury fund at T Rowe. They will send check to office. I will distribute to myself and GTN. I anticipate getting a total of $300,000 out of Hacks Cross TRP account so partners can invest it on their own for more yield. So there is $200,000 more to redeem after today.
I also bought $50,000 more of JNK (SPDR Barclays high yield) for my personal acct at Fidelity. Money came from money market account at Fidelity. There was $59,000 in money market fund, so after this trade there will be about $9000 left.
Thursday, March 25, 2010
Friday, March 12, 2010
spots on skin
Nancy Curran emailed me this link today.
http://dsap.net/
LAST UPDATED: 7/21/09
Hit "reload" on your browser to view most recent updates
DSAP is such an uncommon skin disorder that there is very little information available on it. I am not a doctor, but I've learned that amazingly (and sadly) the majority of Dermatologists either haven't even heard of DSAP or just plain can't recognize DSAP! ...General practice doctors? Forget about it!!! I found this out the hard way, learning 6 years later that I had some of these genetically predisposed spots that are brought on by sun and/or ultraviolet exposure (and in some cases possibly by some sort of relaxation of the epidermal immune system). AMAZINGLY I had visited 1 family physician and 4 dermatologists over the years before I finally got the correct diagnosis. These various doctors MISDIAGNOSED it as a fungus, "nothing", seborrheic keratosis, folliculitis, actinic keratosis (AKA solar keratosis). One of my dermatologists amazingly even did a biopsy for cancer before concluding that my skin condition was "nothing". Dermatologists most commonly misdiagnose DSAP patients as having actinic keratosis. In my case the one doctor who finally correctly diagnosed me was actually unsure whether I had actinic keratosis or DSAP or a combination of both. It is a major error for a doctor to misdiagnose DSAP as actinic keratosis because AK is a more serious condition. After having misdiagnosed or even after having correctly diagnosing a DSAP patient, doctors will often put the patient on a topical medication called Efudex (AKA Fluorouracil, Fluorouplex), which only makes DSAP look horribly red and irritated for many weeks or months, while really doing nothing to improve the skin condition. After reviewing many emails and guestbook posts I have concluded that Efudex is an aggravating waste of time when it comes to "treating" DSAP. This medication was designed for Actinic Keratosis - Not DSAP. Based on email reports from patients, I am of the opinion that you should also avoid any other medications that cause a harsh reaction (such as Levulan or "Blue Light"). Based on years of feedback from patients I have concluded that at this point in time there is no medication (topical or oral) that improves this condition.
Once DSAP has been diagnosed, the best thing you can do for improvement is to avoid further sun damage hopefully by using the strongest sunscreens and avoiding direct sunlight as best you can. Over time there really is improvement. Current "treatment" for DSAP is only suppressive or palliative (to try to make appear less offensive) rather than curative. Most patients (especially myself and those with light complexions) will argue that these harsh "palliative" treatments (like Efudex, lasers, freezing, and others) are a waste of effort and will worsen your appearance short term and may even worsen your long term appearance. I have however read and received reports of people's varying degrees of improvement from deep freezing and from using laser treatment, but for every positive report I get a negative report from patients who tried freezing (but wound up looking worse). Accordingly I suggest trying only test spots to start if you decide to venture down the freezing or laser treatment route. Read ALL of the guestbook posts BEFORE trying any treatment. Email as many people as you can with questions. Again, people with very fair skin might be best suited to just avoid freezing or laser treatment.
Getting rid DSAP spots (if at all possible) is certainly not as simple and easy as burning off a common wart. DSAP appears to be rooted in sun damaged DNA in your skin (dermis) and therefore it just keeps growing back. So I take any claims of DSAP "clearing" with skepticism. Is it possible to at least cosmetically get rid of DSAP spots (like pulling up a weed by the roots)? The guestbook post (below) are helping us get a clearer picture of this everyday. My gut feeling is that the only real DSAP treatment that will ever really work will emerge from an off label use of medication or combination of medications intended for psoriasis and/or actinic keratosis, or emerge someday from proteonics (protein expression) or stem cell therapy. Hopefully some of you visiting this page have the time and energy to try to get a University research fund under way. One of the first hurdles in getting research under way is finding patients to donate DNA samples. Fortunately as a result of maintaining this page for several years I already have contact info for many DSAP patients. I would expect that a good number of these people would be more than happy to help in research studies if one ever materializes.
DSAP is considered a rare disorder so most dermatologists have little (if any) experience with "treatments". Therefore it would be wise to do your OWN foot work and second guess your doctor's "treatment" advice, especially if they want to put you on a harsh treatment like Efudex, or chemical peel or extensive freezing treatment without trying test spots first and waiting several months. When first diagnosed, DSAP patients are often desperate to "try anything", and doctors feel compelled to at least "try something", however the best path may just be to simply make an effort to avoid the sun, wear strong sunscreen and take no medications at all, or maybe try "test spots" with various medications and/or freezing. Ask your doctor how many patients he/she has worked with. Just how knowledgeable is he/she? Does your doctor even know what DSAP is? It is YOUR OWN responsibility to find a knowledgeable doctor! Based on my experience there are very few who know their field inside and out. I believe that you might be best off finding an older (experienced) doctor who has practiced a long time and works out of an office with perhaps other dermatologists from whom they can get 2nd opinions. DSAP mainly effects people of European decent (white people) so perhaps you might get better diagnosis from a Caucasian doctor. There seems to be too little knowledge on the disorder. Much of the knowledge that IS out there is clouded and confused. But after reading this page YOU might become more knowledgeable on DSAP than the vast majority of dermatologists! I have sorted through the mess (by scouring the net, talking to some doctors and many patients) and finally created this page to share my experience, and for all of us to gather info from around the world about DSAP. Bookmark www.dsap.net and periodically check back for the latest DSAP news.
The combination of sun avoidance, wearing the strongest sunscreen (if you must go out in the summer sun), and wearing long-sleeve shirts (if you're outside for a prolonged time) can actually help reduce redness over months and years of time, and then with the combination of concealers you can actually look pretty good! When patients first notice DSAP, the redness usually looks pretty bad. Trust me you have a lot of improving to do once you stop hanging out in the sun. I believe that some of the redness of DSAP is maybe a bit like the knees you scarred as a kid. It can take months and years for that redness to improve. DSAP redness doesn't go away but it makes a difference to avoid the sun and wear SPF 65 or SPF 75.
I am trying to assess the effectiveness / ineffectiveness of various drugs that DSAP patients have tried. In particular I am looking to survey LONG TERM effect, as some patients may claim initial "success" but later lapse back to their previous condition or worse. Please contact me with your stories so that I can form better opinions to report on this site regarding "treatments".
http://dsap.net/
LAST UPDATED: 7/21/09
Hit "reload" on your browser to view most recent updates
DSAP is such an uncommon skin disorder that there is very little information available on it. I am not a doctor, but I've learned that amazingly (and sadly) the majority of Dermatologists either haven't even heard of DSAP or just plain can't recognize DSAP! ...General practice doctors? Forget about it!!! I found this out the hard way, learning 6 years later that I had some of these genetically predisposed spots that are brought on by sun and/or ultraviolet exposure (and in some cases possibly by some sort of relaxation of the epidermal immune system). AMAZINGLY I had visited 1 family physician and 4 dermatologists over the years before I finally got the correct diagnosis. These various doctors MISDIAGNOSED it as a fungus, "nothing", seborrheic keratosis, folliculitis, actinic keratosis (AKA solar keratosis). One of my dermatologists amazingly even did a biopsy for cancer before concluding that my skin condition was "nothing". Dermatologists most commonly misdiagnose DSAP patients as having actinic keratosis. In my case the one doctor who finally correctly diagnosed me was actually unsure whether I had actinic keratosis or DSAP or a combination of both. It is a major error for a doctor to misdiagnose DSAP as actinic keratosis because AK is a more serious condition. After having misdiagnosed or even after having correctly diagnosing a DSAP patient, doctors will often put the patient on a topical medication called Efudex (AKA Fluorouracil, Fluorouplex), which only makes DSAP look horribly red and irritated for many weeks or months, while really doing nothing to improve the skin condition. After reviewing many emails and guestbook posts I have concluded that Efudex is an aggravating waste of time when it comes to "treating" DSAP. This medication was designed for Actinic Keratosis - Not DSAP. Based on email reports from patients, I am of the opinion that you should also avoid any other medications that cause a harsh reaction (such as Levulan or "Blue Light"). Based on years of feedback from patients I have concluded that at this point in time there is no medication (topical or oral) that improves this condition.
Once DSAP has been diagnosed, the best thing you can do for improvement is to avoid further sun damage hopefully by using the strongest sunscreens and avoiding direct sunlight as best you can. Over time there really is improvement. Current "treatment" for DSAP is only suppressive or palliative (to try to make appear less offensive) rather than curative. Most patients (especially myself and those with light complexions) will argue that these harsh "palliative" treatments (like Efudex, lasers, freezing, and others) are a waste of effort and will worsen your appearance short term and may even worsen your long term appearance. I have however read and received reports of people's varying degrees of improvement from deep freezing and from using laser treatment, but for every positive report I get a negative report from patients who tried freezing (but wound up looking worse). Accordingly I suggest trying only test spots to start if you decide to venture down the freezing or laser treatment route. Read ALL of the guestbook posts BEFORE trying any treatment. Email as many people as you can with questions. Again, people with very fair skin might be best suited to just avoid freezing or laser treatment.
Getting rid DSAP spots (if at all possible) is certainly not as simple and easy as burning off a common wart. DSAP appears to be rooted in sun damaged DNA in your skin (dermis) and therefore it just keeps growing back. So I take any claims of DSAP "clearing" with skepticism. Is it possible to at least cosmetically get rid of DSAP spots (like pulling up a weed by the roots)? The guestbook post (below) are helping us get a clearer picture of this everyday. My gut feeling is that the only real DSAP treatment that will ever really work will emerge from an off label use of medication or combination of medications intended for psoriasis and/or actinic keratosis, or emerge someday from proteonics (protein expression) or stem cell therapy. Hopefully some of you visiting this page have the time and energy to try to get a University research fund under way. One of the first hurdles in getting research under way is finding patients to donate DNA samples. Fortunately as a result of maintaining this page for several years I already have contact info for many DSAP patients. I would expect that a good number of these people would be more than happy to help in research studies if one ever materializes.
DSAP is considered a rare disorder so most dermatologists have little (if any) experience with "treatments". Therefore it would be wise to do your OWN foot work and second guess your doctor's "treatment" advice, especially if they want to put you on a harsh treatment like Efudex, or chemical peel or extensive freezing treatment without trying test spots first and waiting several months. When first diagnosed, DSAP patients are often desperate to "try anything", and doctors feel compelled to at least "try something", however the best path may just be to simply make an effort to avoid the sun, wear strong sunscreen and take no medications at all, or maybe try "test spots" with various medications and/or freezing. Ask your doctor how many patients he/she has worked with. Just how knowledgeable is he/she? Does your doctor even know what DSAP is? It is YOUR OWN responsibility to find a knowledgeable doctor! Based on my experience there are very few who know their field inside and out. I believe that you might be best off finding an older (experienced) doctor who has practiced a long time and works out of an office with perhaps other dermatologists from whom they can get 2nd opinions. DSAP mainly effects people of European decent (white people) so perhaps you might get better diagnosis from a Caucasian doctor. There seems to be too little knowledge on the disorder. Much of the knowledge that IS out there is clouded and confused. But after reading this page YOU might become more knowledgeable on DSAP than the vast majority of dermatologists! I have sorted through the mess (by scouring the net, talking to some doctors and many patients) and finally created this page to share my experience, and for all of us to gather info from around the world about DSAP. Bookmark www.dsap.net and periodically check back for the latest DSAP news.
The combination of sun avoidance, wearing the strongest sunscreen (if you must go out in the summer sun), and wearing long-sleeve shirts (if you're outside for a prolonged time) can actually help reduce redness over months and years of time, and then with the combination of concealers you can actually look pretty good! When patients first notice DSAP, the redness usually looks pretty bad. Trust me you have a lot of improving to do once you stop hanging out in the sun. I believe that some of the redness of DSAP is maybe a bit like the knees you scarred as a kid. It can take months and years for that redness to improve. DSAP redness doesn't go away but it makes a difference to avoid the sun and wear SPF 65 or SPF 75.
I am trying to assess the effectiveness / ineffectiveness of various drugs that DSAP patients have tried. In particular I am looking to survey LONG TERM effect, as some patients may claim initial "success" but later lapse back to their previous condition or worse. Please contact me with your stories so that I can form better opinions to report on this site regarding "treatments".
Trip to Starkville MS and Koscuisko 11-March-10
Went to see:
Pine Grove apartments in Starville owned by Dwayne Brazil.
University Villages apartments in Starkville owned by Regions
Hickory Hills Mobile Home Park in Kosciusko.
Pine Grove - 59 units (39 and 20) --manager Daniel Allen (cell 662-418-2889). Daniel is paid $2500 per month and owner also gives him $500 per month with which to do maintenance at Pine Grove. Rent is $400 per month if appliances are furnished and $375 if not. They are going to a policy of not furnishing any appliances. Tenant has to bring own refrigerator and stove and washer dryer. Units are approx 600 sq ft. They are putting in nice looking tile that looks like hardwood in all units instead of carpet. They don't do credit checks on tenants. Daniel does maintenance himself except for heat and air, carpet & tile, and major stuff. They need a $30,000 asphalt job and coverting all units to tile floor will cost approx $1000 per unit or $40,000 to do remaining units. Daniel has only about 3 vacancies right now.
Daniel told me the Sugar Shacks were in forclosure and available for sale. They are 10 small houses (16 x 26 I think) next to Pine Grove. Bank wants $165,000 for all ten. They rent for $350 per month.
University Villages are nice. They are at Blackjack road and Hearst. I will call Jerry Harrington 684-4731at Regions for more info.
Hickory Hills Mobile Home Park is a pretty bad looking trailer park in Kosciusko.32 units I think. Brant Ratcliffe at Nancy Lane Commercial told me about these after I met him last week at magnolia trailer park in Vicksburg. Hickory Hills has 27 park owned trailers and according to Brant, 5 more are coming. Rent collected for a recent month was $13,600. Park is on city sewer and water. Asking price is $800,000.
There was a house in the back that seemed to be somewhat a part of the park. I don't know status of that. How many acres??? probably about 3 or 4.
Pine Grove apartments in Starville owned by Dwayne Brazil.
University Villages apartments in Starkville owned by Regions
Hickory Hills Mobile Home Park in Kosciusko.
Pine Grove - 59 units (39 and 20) --manager Daniel Allen (cell 662-418-2889). Daniel is paid $2500 per month and owner also gives him $500 per month with which to do maintenance at Pine Grove. Rent is $400 per month if appliances are furnished and $375 if not. They are going to a policy of not furnishing any appliances. Tenant has to bring own refrigerator and stove and washer dryer. Units are approx 600 sq ft. They are putting in nice looking tile that looks like hardwood in all units instead of carpet. They don't do credit checks on tenants. Daniel does maintenance himself except for heat and air, carpet & tile, and major stuff. They need a $30,000 asphalt job and coverting all units to tile floor will cost approx $1000 per unit or $40,000 to do remaining units. Daniel has only about 3 vacancies right now.
Daniel told me the Sugar Shacks were in forclosure and available for sale. They are 10 small houses (16 x 26 I think) next to Pine Grove. Bank wants $165,000 for all ten. They rent for $350 per month.
University Villages are nice. They are at Blackjack road and Hearst. I will call Jerry Harrington 684-4731at Regions for more info.
Hickory Hills Mobile Home Park is a pretty bad looking trailer park in Kosciusko.32 units I think. Brant Ratcliffe at Nancy Lane Commercial told me about these after I met him last week at magnolia trailer park in Vicksburg. Hickory Hills has 27 park owned trailers and according to Brant, 5 more are coming. Rent collected for a recent month was $13,600. Park is on city sewer and water. Asking price is $800,000.
There was a house in the back that seemed to be somewhat a part of the park. I don't know status of that. How many acres??? probably about 3 or 4.
Monday, March 8, 2010
Memphis trailer park rents
Canada Trace (388.3053) - $330 per month for single wide. Must also pay monthly amount to Canada Trace for water, sewer, and prop taxes. These are less than $50 per month according to Michelle who I talked to today. I can ask a person who is selling their trailer what it is for sure. I assume you must pay electric bill to MLGW directly.
Allentown (388-0046) - $377 per month rent for single wide according to VP of sales Chris. Manager was not there but her name is Regina Beasley. Must pay utilities to MLGW directly. Must pay your own prop taxes which are about $200 per year according to Chris. They are 5 star community - the top rated community in Tenn!! Regina called me back. She has a 1999 cedar ridge 2 bedroom home for sale for $12,000. Utilities would be around $80 something per month to MLGW she said.
Kingsway Green (358-5277) -Chris Halloway is manager. Rent is $360 per month. Garbage fee is $19.50 per month. Pay utilities directly to MLGW.
RV park at Agricenter = $400 per month, but cannot stay permanently; no more than 3 months I think.
Mobile Home Park
Allentown (388-0046) - $377 per month rent for single wide according to VP of sales Chris. Manager was not there but her name is Regina Beasley. Must pay utilities to MLGW directly. Must pay your own prop taxes which are about $200 per year according to Chris. They are 5 star community - the top rated community in Tenn!! Regina called me back. She has a 1999 cedar ridge 2 bedroom home for sale for $12,000. Utilities would be around $80 something per month to MLGW she said.
Kingsway Green (358-5277) -Chris Halloway is manager. Rent is $360 per month. Garbage fee is $19.50 per month. Pay utilities directly to MLGW.
RV park at Agricenter = $400 per month, but cannot stay permanently; no more than 3 months I think.
Mobile Home Park
Collierville Trailer Park
Sent letter to Jean Cooke about trailer park on Rowlett St in Collierville. Her son in law Tim Clay (home 756-4853 office 842-1019) called me back a few days later. Tim works for Cornerstone Systems which is a transportation co of some kind.
He said Jean Cooke has Alzheimers and her daughter runs the park. They turned down an offer for $1.1 million a couple of years ago he said. He did not know how many lots were in park but I counted approx 34. He said that all but 2 trailers were owned by the occupants. They got the 2 when occupants left. He estimated that the average lot rental was $200 or $220. He said that due to economic downturn they thought park was worth around $1 million.
I called Canada Trace Mobile home park (388-3053) today and talked to Michelle. She said lots are $330 per month for single wide. You have to pay them for water sewer and property taxes each month too. That's probably less than $50 per month. So I would think the residents at the ColliervilleTrailer Park could be reaised to the same $330. ??????
Tim said he would get his sister in law to call me to tell me more specifics about property. Here name is Gail Cook Akey.
-----------------------------------------------------------------
22-Feb-2010
Ms. Jean Cooke
1697 Halleford Circle
Germantown TN 38139
Mobile Home Park on at West and Rowlett in Collierville
Ms. Cooke:
I am writing to ask if you would consider selling the mobile home park you own on Rowlett St. in Collierville. I am a local real estate developer and my office is down the street from your park. I drive past it often and decided that I would contact you.
I am a 52 year old native Memphian. My father, George T. Nickey, and I have developed lots of local commercial real estate, so I know a good bit about property management. I have a good relationship at a couple of local banks, so I think I could get a mortgage on that property. I have enough money to make a down payment without having to look around for partners.
I'd like to talk to you about the property if you care to discuss it. Please contact me at the number or address below. Thank you.
Sincerely,
He said Jean Cooke has Alzheimers and her daughter runs the park. They turned down an offer for $1.1 million a couple of years ago he said. He did not know how many lots were in park but I counted approx 34. He said that all but 2 trailers were owned by the occupants. They got the 2 when occupants left. He estimated that the average lot rental was $200 or $220. He said that due to economic downturn they thought park was worth around $1 million.
I called Canada Trace Mobile home park (388-3053) today and talked to Michelle. She said lots are $330 per month for single wide. You have to pay them for water sewer and property taxes each month too. That's probably less than $50 per month. So I would think the residents at the ColliervilleTrailer Park could be reaised to the same $330. ??????
Tim said he would get his sister in law to call me to tell me more specifics about property. Here name is Gail Cook Akey.
-----------------------------------------------------------------
22-Feb-2010
Ms. Jean Cooke
1697 Halleford Circle
Germantown TN 38139
Mobile Home Park on at West and Rowlett in Collierville
Ms. Cooke:
I am writing to ask if you would consider selling the mobile home park you own on Rowlett St. in Collierville. I am a local real estate developer and my office is down the street from your park. I drive past it often and decided that I would contact you.
I am a 52 year old native Memphian. My father, George T. Nickey, and I have developed lots of local commercial real estate, so I know a good bit about property management. I have a good relationship at a couple of local banks, so I think I could get a mortgage on that property. I have enough money to make a down payment without having to look around for partners.
I'd like to talk to you about the property if you care to discuss it. Please contact me at the number or address below. Thank you.
Sincerely,
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