This nikka is truly the second corniest nikka in all of basketball.
Dillon Brooks is the corniest.
YOU'RE NOT THAT GUY, bro.
Dillon Brooks is the corniest.
YOU'RE NOT THAT GUY, bro.
It's a gun. America is full of them. People post pictures with guns all the time. Some of you even vote for those same people. The stuff people get upset over is mind boggling.
Lil Bape the PostGod
Can’t talk to broke boys
Can't believe we have some grown ass black men trying to downplay this idiots behavior or deflecting to cacs because you know, a black man can never be held accountable for his actions?
This is not the image you want young impressionable black minds to be seeing when gun violence is the #1 cause of death for young black males and gang violence has been ravaging our communities.
Last time I'm going to say this but this dude really needs to be reprimanded. shyt like this shouldn't be tolerated by the League.
This is not the image you want young impressionable black minds to be seeing when gun violence is the #1 cause of death for young black males and gang violence has been ravaging our communities.
Last time I'm going to say this but this dude really needs to be reprimanded. shyt like this shouldn't be tolerated by the League.
Ed is a Black man so save that diversion talk. 23 is prime time when you aren’t educated and didn’t know any better. Ja is a grown man that knows better and when what happens happens, don’t get on here like Steven A was whenever Iverson got in trouble
He’s running his own smear campaign. Part of being a public figure is managing your image and he’s doing a terrible job of it. Maybe it’s not fair that he can’t be free to get involved in fukkery like the rest of us but that’s one of the costs of being a millionaire athlete. Nobody would have an opinion if he wasn’t doing stupid ad questionable shyt.
But I already thanked you
Hopefully this doesn't end up going wrong for Ja. Talented dude but he's cosplaying right now.
This MFer just won’t stop 
Have the NBA throw all their efforts in making you the face of the league and throw it away to play dress up gangster, brehs
Have the NBA throw all their efforts in making you the face of the league and throw it away to play dress up gangster, brehs
well in short if you own an established business in an industry that isn't very high risk, the first thing I do is take a look at your P&L / income statement, and calculate EBITDA (earnings before interest, taxes, depreciation, amortization)I dont know what any of this is but if you giving one to him I want me one too
Your net income (basically sales - operating expenses)
add back your Depreciation, Interest expenses, and taxes
from there I calculate your fixed charges; the current portion of long term debt (basically what you'll be paying down on loans in the next year), lease expenses, etc, and the debt service for the loan in question.
EBITDA / Fixed Charges = your fixed charge coverage ratio
I generally need your FCCR to be 1.10, 1.25, or something like that depending on your industry [basically i need you to make 1.10 for every $1 in fixed charges including the new loan). I do this for the previous 2 years as well to take a look at trends.
This is the same if you're borrowing $10000, $1,000,000, or $62,000,000 for the most part.
from there I look at the collateral coverage. This is specific to the industry/company and more so the type of loan. Its important to match the type of loan to the type of collateral. For example;
A line of credit is revolving debt, and is for relatively temporary use. So, the collateral is accounts recievable (because it turns into cash within 90 days), or inventory (because it is sold and turned into cash). From your balance sheet, I advance typically 80% of accounts recivable, and 50% of inventory value...So if you have $1,000,000 A/R and 400,000 Inventory, that equates to $1,000,000 of collateral. I like that to be 1:1 for the amount of credit requested.
A term loan (think like an autoloan or mortgage) is for longer term debt, and typically directly tied to specific collateral like a vehicle or equipment. The advance rates on that are very specific to the collateral provided, but probably about 80% (think; 20% down on real estate or a car, etc).
the cash flow (FCCR) requirements are the same usually for term or revolving debt.
And that friends, is commercial lending 201
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I'm the CEO of Breh & Breh Productions, we specialize in a number of entertainment avenues.
I'll send you a PM of the presentation.
why is breh out here fukking up the bball bag
he keeps pushing this superthug trope...
but it all catches up with those dudes and i dont wanna hear him copping pleas...