Podcasts about Appraisal

Kevin Kim's 2026 Predictions Might Surprise You - #318 Chris and Jason welcome back Kevin Kim, Partner at Fortra Law (formerly Geraci LLP), for a timely conversation on what's ahead for private lending, hard money lending, and DSCR loans in 2026. Kevin shares insights from working with lenders of all sizes and breaks down how excess capital, increased competition, and securitization are reshaping the industry—and why some lenders are thriving while others are struggling.

Adam Winstead just made history as the first appraiser to complete a UAD 3.6 appraisal. On this episode, Hal and Jim chat with Adam about what this major shift means for the industry, how it changes your workflow, and what appraisers can expect as this new standard becomes mandatory. Adam shares firsthand insights on the challenges, opportunities, and surprises he encountered, offering a practical roadmap for navigating UAD 3.6.At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday! You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.

Meet Kevin Lynch, a third-generation appraiser from South Texas who has literally grown up in this profession. In this episode, Kevin shares how he found his way into the appraisal world, what he loves about the work (and what drives him crazy), and how he balances a busy practice with family life as a husband and father of two young kids. He also offers some heartfelt advice for anyone considering a career in what we believe is the best job on the planet. —Bryan Reynolds

Join me and my business partner Hal Humphreys as we look back on the biggest news of 2025 and peer into the future at what's ahead for appraisers in 2026. —Bryan Reynolds

What does 2026 hold for CRE values? Anthony Graziano explains market resets, debt myths, and the evolving role of appraisal.The Crexi Podcast connects CRE professionals with industry insights built for smart decision-making. In each episode, we explore the latest trends, innovations and opportunities shaping commercial real estate, because we believe knowledge should move at the speed of ambition and every conversation should empower professionals to act with greater clarity and confidence.  In this episode of The Crexi Podcast, Shanti Ryle, Director of Content Marketing at Crexi, sits down with Anthony Graziano, CEO of Integra Realty Resources (IRR). Anthony, an expert with decades of experience in real estate economics and valuation, shares his journey from growing up in a commercial real estate-focused family to becoming a leading figure in the industry.  The conversation covers a broad spectrum of topics including the importance of storytelling in appraisals, the challenges and opportunities presented by new technologies like AI, and the evolving landscape of commercial real estate. Anthony also discusses the importance of ethical standards, overcoming bias, and maintaining data security in today's digital age. Listeners will gain insights into the intricacies of valuation, current market trends, and strategies for new entrants in the appraisal industry.Meet Anthony Graziano: A Real Estate ExpertAnthony's Journey into Real EstateThe Evolution of Integra Realty ResourcesMentorship and Learning in Real EstateLeadership and Growth at IntegraChallenges and Unique Valuation CasesCurrent Market Trends and PredictionsThe Introduction to Bias in AppraisalsUnderstanding Personal BiasThe Brookings Institute Study of AppraisalsIts Impact on the Appraisal IndustryFuture of Real Estate ValuationCybersecurity and AI in AppraisalsRapid Fire Questions About Anthony Graziano:Anthony Graziano is one of the nation's foremost experts on real estate economics and value drivers with over 30 years of experience providing valuation and advisory services to clients.  He now serves as the CEO of Integra Realty Resources (IRR) responsible for executing the strategic growth objectives of Integra's 55+ offices in the US and Caribbean.The firm's 500+ professionals provide services to government, institutional and private owners that include market feasibility studies and forecasts, expert witness testimony, economic damage assessment, and valuation and counseling on all classes of commercial and major residential and mixed-use projects.  Anthony is the Chair of ULI Southeast Florida | Caribbean District Council and Chair of the Florida Counselors of Real Estate. For show notes, past guests, and more CRE content, please check out Crexi's blog.Looking to stay ahead in commercial real estate? Visit Crexi to explore properties, analyze markets, and connect with opportunities nationwide. Follow Crexi:https://www.crexi.com/​ https://www.crexi.com/instagram​ https://www.crexi.com/facebook​ https://www.crexi.com/twitter​ https://www.crexi.com/linkedin​ https://www.youtube.com/crexi

More big UAD 3.6 news just dropped. In this episode, Hal and Jim sit down with Joel Baker of a la mode | Cotality to break down what their official verification by Fannie Mae and Freddie Mac really means. Joel explains how UAD 3.6 will change the day-to-day experience inside appraisal software, what appraisers should be doing now to prepare, and the roadblocks developers had to overcome along the way.Join us for a UAD 3.6 Bootcamp in Orlando: https://appraiserelearning.com/product/uad-3-6-bootcamp-orlando-fl-march-4th-6th/Psst... vote for this year's Buzzy Award winners by December 31st: https://appraisalbuzz.wufoo.com/forms/2026-buzzy-award-finalists/At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday! You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.

Meet a special guest who works right in my building, and whose influence reaches far beyond it.She's a real estate agent, a fellow podcaster, and genuinely one of the kindest, most caring people you'll ever meet.Join us as she shares:How she handles grumpy people with grace (yes, even those moments),The mindset she uses to stay positive, even on days when positivity feels hard,And a heartfelt message for anyone struggling during the holidays.This conversation is honest, encouraging, and exactly what many of us need to hear right now. Her perspective is refreshing, her energy is real, and her heart for people is undeniable.This young lady is an inspiration, one who hosts an incredible podcast of her own and has given me a lot to think about. —Bryan ReynoldsCheck out Hailey's podcast on YouTube: https://www.youtube.com/@haileyheartsjesus

When you inherit real estate, the stepped-up basis can save you from paying taxes—but only if you document the property's value correctly. Transcript G’day, I’m Dr. Friday, president of Dr. Friday’s Tax and Financial Firm. To get more info, go to www.drfriday.com. This is a one-minute moment. Inheriting property—in most cases, it’s a parent’s house or something like that. And so when you inherit, it’s very, very important to find out what was the value of that home within 30 days of the death of the person you inherited from. Now, you can get comps, you can get appraisals depending on the value of this property. Sometimes it’s very smart to get an appraisal if there’s a number of people, because that number is what we’re going to use. So if you inherit a house worth $500,000 and you sell it for $500,000, guess what? You’re paying zero tax. And that’s all tax-free. Proper documentation puts money in your pocket. 367-0819. You can catch the Dr. Friday Call-in Show live every Saturday afternoon from 2 to 3 p.m. right here on 99.7 WTN.

Affordability Crisis or Opportunity Window? Lending and Appraisal Experts' Behind the Scenes View by Jo Garner

Compeer Financial Senior Real Estate Appraiser Bill Meixner shares insights into farmland values and market trends across southwest Wisconsin as 2025 comes to a close. He discusses the region's diverse land types, from highly productive cropland to increasingly sought-after recreational properties. Find out more about the growing role of investors, rising land rents, and the influence of auctions in this episode of Appraisal Report. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The GoGaddis Real Estate Radio Show with Cleveland (Cleve) Gaddis | Atlanta Housing & Market Insight Presented by Modern Traditional Realty Group https://www.moderntraditionsrealty.com Atlanta Market Update: BPO vs Appraisal & Why Atlanta Events 2026 Matter Episode Summary: Know Your Atlanta Market The Atlanta Market is dynamic, but are you using the right tools to navigate it? This 12-minute segment gives you an essential "Tradition Meets Today" breakdown, covering the latest numbers, future growth drivers, and a crucial real estate valuation lesson. In Today's show we're starting with your Metro Atlanta Real Estate Update for the last 7 days - the newest listings, under-contract numbers, inventory shifts, and what these weekly trends mean for buyers and sellers. The Latest Atlanta Market Snapshot: We review the past week's activity. Get the numbers on 1166 New Listings, 575 Under Contract, and 1076 Closings. We also look at the 1234 Homes with Price Decrease—a key insight for both buyers and sellers. Benefit: Understand where prices and inventory are moving right now in the Atlanta Market. BPO vs. Appraisal: The Crucial Difference: Do you know the difference between an estimate and an official valuation? We clarify why a Broker Price Opinion (BPO) is an "educated estimate" used to price a home, while a formal appraisal is an "official valuation" required for a bank to approve a loan. Benefit: Avoid costly mistakes by knowing which valuation tool to use for selling, refinancing, or buying. Why Atlanta Events 2026 Are So Big: From a massive international influx for the FIFA World Cup 2026 (hosting eight matches, including a semifinal) to the College Football Playoff Semifinal (Peach Bowl), Atlanta is turning into a global stage. Plus, the Atlanta Beltline expansion continues, improving city connectivity. Benefit: Understand the cultural and economic boost—including the potential impact on neighborhood desirability—coming to the city. The insights shared on the show reflect the same guidance provided daily by Modern Traditional Realty Group. If you'd like a no-pressure conversation about your home's value, equity position, or the right timing for your next move, visit ModernTraditionalRealtyGroup.com or to connect with Cleve and submit questions for future segments, visit GoGaddisRadio.com.

We're officially unveiling the finalists for the 2026 Buzzy Awards. In this special episode, we're announcing finalists for:Appraiser of the YearAMC or Appraisal Firm of the YearLender of the YearInstructor of the YearSoftware of the YearAppraisal Content CreatorRising Star of the YearMentor of the YearThese finalists went above and beyond to move the appraisal profession forward this year. From UAD 3.6 trailblazers and servant leaders to creative voices and mentors changing lives, they represent the very best of the industry. Tune in, celebrate your peers, and see who made the cut. THEN, cast your vote on who the WINNERS should be at the link below.Vote for this year's winners: https://appraisalbuzz.wufoo.com/forms/2026-buzzy-award-finalists/At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday! You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.

Big News!In this episode, meet a splendid young person with determination, patience, and grit. She knew what she wanted — and she made it happen. You've heard me talk about her before, now meet her again and hear about her big accomplishment and the exciting news she's sharing. — Bryan Reynolds

Valbridge's Josh Wood joins The Crexi Podcast to explore evidence based property valuation, fee simple disputes, expert testimony, and how AI will reshape appraisal work.The Crexi Podcast connects CRE professionals with industry insights built for smart decision-making. In each episode, we explore the latest trends, innovations and opportunities shaping commercial real estate, because we believe knowledge should move at the speed of ambition and every conversation should empower professionals to act with greater clarity and confidence.  In this episode of the Crexi Podcast, Shanti Ryle sits down with Josh Wood, Senior Managing Director at Valbridge Property Advisors. The conversation covers Josh's unique journey from philosophy and computer science to becoming an expert in property valuation and law. Josh shares his insights on the fundamentals of real estate appraisal, the impact of artificial intelligence, and the nuances of working as an expert witness and arbitrator in valuation disputes. Listeners will gain a deeper understanding of the etymology of terms like 'value' and 'worth,' the role of appraisers in litigation, and the evolving technology shaping the industry. Josh also offers invaluable advice for newcomers entering the field and an  in-depth look at the complexities of commercial real estate valuation.Meet Josh Wood: A Multifaceted ExpertJosh's Academic and Professional JourneyThe Path to Becoming an AppraiserEarly Challenges and Learning in AppraisalThe Intersection of Appraisal and LawThe Role of Appraisers in Legal DisputesHistorical Context and Etymology of Value and WorthUnderstanding the Appraisal ProcessThe Evolution of Fee Simple OwnershipEncumbrances and the Value of Real EstateThe Role of Appraisers in Property ValuationChallenges in Appraisal MethodologyThe Future of Appraisal with AI and TechnologyAdvice for Aspiring AppraisersConclusion and Final Thoughts About Josh Wood:Josh Wood is a valuation expert whose work sits at the intersection of appraisal theory and the law. His background in both disciplines gives him a distinctive perspective on complex valuation issues, including bilateral monopoly situations, eminent domain matters involving rights of reverter, and the taxation of Low Income Housing Tax Credit properties.His academic foundation includes economics, computer science, logic, game theory and philosophy, followed by a master's degree earned during his time in a philosophy PhD program. He entered the appraisal field in 1998 with a firm that later became part of Valbridge Property Advisors, where he has valued nearly every major commercial property type for purposes such as lending, tax appeals, eminent domain, litigation and environmental claims. He became a Valbridge shareholder in 2021.While working full-time, Josh earned his JD from the University of Arizona in 2007, graduating cum laude. He served on law review, competed in Moot Court and published an award-winning article on servitudes. His legal training strengthened his expert witness practice, and he has testified in courts in Arizona and Texas and served as an arbitrator through the American Arbitration Association, joining its Panel of Neutrals at a notably young age in 2008.Josh also teaches and develops education for the Appraisal Institute and the International Right of Way Association. He contributed to the 15th edition of The Appraisal of Real Estate and reviewed the 7th edition of The Dictionary of Real Estate Appraisal. He regularly presents to professional and government audiences. For show notes, past guests, and more CRE content, please check out Crexi's blog.Looking to stay ahead in commercial real estate? Visit Crexi to explore properties, analyze markets, and connect with opportunities nationwide. Follow Crexi:https://www.crexi.com/​ https://www.crexi.com/instagram​ https://www.crexi.com/facebook​ https://www.crexi.com/twitter​ https://www.crexi.com/linkedin​ https://www.youtube.com/crexi

Are appraisals killing your DSCR loan deals?

Meet the appraiser who went from old-school clipboard to full-blown tech evangelist. In this episode, Hal and Jim sit down with Kurt Rehak, Chief Appraiser and CEO of ZAP Appraisals, to talk about the rapidly shifting profession, and the new tools reshaping it. Kurt shares how the idea for the ZAP App was born, how UAD 3.6 updates influenced its design, and why appraisers who resist technology might be doing themselves a disservice. If you're wondering what the next decade looks like for valuation professionals, this conversation is your roadmap.At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday! You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.

In this episode, I sit down with Melissa Bond, the creator of the MPAT Program — Practical Appraiser Training Program under a Practicum Environment.Melissa's program is transforming how new appraisers enter the profession. She's had incredible success — five full training programs completed, active in 10 states, and her students are passing the National Exam at an impressive 88% rate, far above the national average.Unlike the traditional supervisor/trainee model, the MPAT Program provides participants with a real-world practicum environment where they can earn their 1,000 hours in a structured and supportive setting.Melissa is also a new sponsor of The Appraisal Update Podcast, and she's using this platform to extend an invitation to those who want to make a difference in the appraisal industry. She's looking for managers (no appraisal license required), lead instructors, and field instructors to join her growing team.If you've ever wanted to help shape the next generation of appraisers — or explore licensing her proven training system — this episode is one you don't want to miss.Tune in to hear how Melissa Bond and the MPAT Program are redefining the path to becoming a professional appraiser. —Bryan ReynoldsFind out more about Melissa Bond's program at https://www.ceinstructor.com/

"Felt like all the oxygen was being sucked out of my lungs... It felt like I was dying." A routine paranormal case spirals out of control when a skeptical investigator encounters a chilling, utterly unexplainable phenomenon. Warning: Contains disturbing horror content Written by Soren Narnia Adapted, directed and produced by John Ballentine Cast Graham Rowat Allison Cossitt Jared Rivet Monique Bagwell Christian Young Original music score by Kevin Hartnell Running time 33:09 Follow us on Facebook, Twitter and Instagram

Dive into this episode of The AZREIA Show with certified appraiser Steven Crellin, CEO of Yawkey Appraisals. With 20+ years of experience, Steve breaks down the appraisal process, UAD 3.6 updates, how to comp properties, and the real value of pools, solar, and key amenities.  Perfect for Arizona realtors and investors looking to understand today's appraisal challenges and market changes. A must-watch for anyone serious about real estate! 00:58 Meet Steven Crellin: From Military to Appraisal 01:26 The Appraisal Journey: Early Days and Challenges 04:18 Navigating the 2008 Financial Crisis 06:23 The Future of Appraisal: New Forms and Regulations 13:43 Market Trends and Investment Insights 26:46 Comping Properties: Essential Skills for Investors 28:19 Navigating Appraisal Challenges 28:41 Understanding Market Competence 29:32 The Role of Realtors in Appraisals 30:54 Preparing a Comp Package 32:13 Handling Appraisal Bias 33:16 Effective Communication with Appraisers 40:56 The Value of Desktop Appraisals 44:07 Impact of Amenities on Property Value 50:32 Understanding ADUs and Casitas 56:03 Conclusion and Contact Information

In this live episode recorded at an ASFMRA conference, Vance sit down with veteran farm manager and rural appraiser Dennis Raymond of Stalcup Ag Service to bridge two audiences: an in-room crowd steeped in modern agriculture and a wider listenership curious about how farmland is owned, managed, and valued. Dennis shares a career's worth of perspective—from juggling farm management, appraisals, and sales in northwest Iowa to navigating today's volatile costs, interest-rate swings, and the “heartstring” realities of legacy properties. We unpack why proposals to tax absentee landowners miss the mark, how to think in ratios like fertilizer cost as a percentage of expected gross, why land markets move with lagged fundamentals (and sometimes jump on interest-rate shocks), and how appraisers handle sentiment, comps, and variability beyond simple CSR points.We also dig into generational transitions, changing lease structures, the talent pipeline for banking and professional services in rural America, and where AI might streamline (but not replace) nuanced human judgment in appraisal and client relationships. Dennis offers guidance for new professionals, argues for people-first skills alongside agronomy and numbers, and looks ahead to a more fractionalized operating landscape with more custom work. We close with advice for the ASFMRA's next chapter and where listeners can learn more about entering farm management and rural appraisal.Thank you to The American Society of Farm Managers and Rural Appraisers (ASFMRA) and Farmers National Company for sponsoring this episode. www.vancecrowe.com/interest-based-communicationwww.legacyinterviews.com

In a world obsessed with automation, AI, and “instant valuations,” Simon Blackburn has a refreshingly bold message: appraisers aren't going anywhere. In this episode, Hal sits down with the CEO of MtgeFi to dig into why appraisers still sit at the center of the real estate finance ecosystem. Simon breaks down the staggering numbers behind daily mortgage trading, why FIRREA still matters, and how technology fits into the bigger picture. He also shares where new opportunities are opening up through hybrid assignments, direct lender work, and a surprisingly bright future for trainees.At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday! You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.

We, as appraisers, are valuation experts. Every day, we develop opinions of value for what's often a person's biggest asset — their home.But let me ask you something: Are you sure that's their biggest asset?What if your most valuable asset isn't your house, your business, or even your bank account? What if it's your time, your health, and your relationships? Those are the things that truly define value, the things that can't be replaced or appraised with a form or a number.This Thanksgiving, I want to say thank you to all the appraisers out there for your dedication and hard work. I hope you're safe, well, enjoying great food, and maybe catching a little football, too. But more than that, I hope you take a quiet moment to reflect on what's really important: the people and experiences that make this life meaningful.In this episode, I share a saying I once heard from a 100-year-old man who reminded everyone of what truly matters. I'll also share a few personal experiences — how I've learned (and am still learning) to stay calm through life's ups and downs, and how growing up doesn't mean getting older. It means gaining perspective.So, as you celebrate this Thanksgiving, take time to value your own value.Be thankful. Be present. And appreciate this short, beautiful life we get to live.Happy Thanksgiving, from me, Bryan Reynolds, and all of us at The Appraisal Update Podcast.

The very first appraiser in the country to complete the first-ever UAD 3.6 appraisal report is Adam Winstead! And I'm proud to say I'm the first to sit down and interview this history-maker.For all the naysayers who insisted “There's no way this happens before the end of the year," um… yeah… you were wrong. Listen in for the full interview, and when you're done, look upon Adam Winstead with respect and amazement. He DID it. —Bryan Reynolds

On today's episode, Editor in Chief Sarah Wheeler talks with Kenon Chen, the executive vice president of strategy and growth at Clear Capital, about the appraisal changes that will take effect in 2026 and how the industry is preparing. Related to this episode: Appraisals and Valuations ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠More info about HousingWire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To learn more about Trust & Will, click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

UAD 3.6 is no longer some far-off deadline. It's happening. The limited-production phase has begun, and Rocket Mortgage is gearing up to start sending actual UAD 3.6 appraisal orders out the door. In this episode, Hal sits down with Rachel Robinson of Rocket Mortgage to talk through what appraisers really need to know now.Rachel breaks down the biggest misconceptions about manufactured housing, what they've already put in place for the UAD rollout, the internal hurdles they've overcome, and how appraisers can get prepared before those first orders hit their inbox.At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday! You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.

UAD 3.6 is officially here. Are you ready, or just trying to get ready?In this episode, Bryan talks with Jake Lew of Aivre about how their appraisal software is already equipped to help appraisers deliver reports that meet the new UAD 3.6 requirements. Jake, Aivre's CEO and co-founder, gives Bryan a quick demo of how the software works, including a screen-share of some inputs and part of a sample report. (To see the demo, watch the video interview on our YouTube channel.)  Find out what appraisers can expect if they want to try Aivre's product, including how to start using it and what pricing might look like. Whether you're fully prepared or just starting to gear up, this episode will help you get ready for the new URAR.

Why are Northern Illinois farmers hitting the brakes on new projects, and what's behind the surge in solar development? In this November 2025 edition of The Appraisal Report, Brownfield reporter Mark Dorenkamp talks with Compeer Financial Certified Real Estate Appraiser Nicole Schaefer about the market forces shaping rural property decisions right now. Nicole breaks down regional trends, land value signals, and what landowners should be watching as solar opportunities expand. Get timely insights to guide your next move in a rapidly evolving rural market.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The future of appraisal just got a whole lot faster. In this episode, Hal sits down with Reggora CEO Brian Zitin to unpack one of the biggest tech stories in valuation: the push toward a true 24-hour appraisal workflow. They dig into how it works, what it means for appraisers in the field, why some folks are skeptical, and how this shift could reshape the profession over the next few years.At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday! You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.

Can you imagine taking out a loan and buying a house before graduating from high school? That's exactly what Bryan's guest did. Karis Crawford is an agent, landman, and seasoned Texas appraiser with one of the most fascinating origin stories in the business. At just 16 years old, she walked into a bank, determined not to leave without a mortgage, and walked out with the keys to her very first investment property.Her story is one of grit, determination, and pure entrepreneurial spirit. From that bold first deal to building a respected appraisal career in Texas, Karis shares lessons every appraiser, investor, and young professional can learn from.Tune in to hear how one teenager's courage became the foundation for a lifelong passion in real estate and valuation. Listen to this inspiring story of drive and determination, only on The Appraisal Update Podcast.

Send us a textIn this episode of Beyond the Numbers with McKissock Appraisal, host Kevin Hecht sits down with Tim Anderson from The Appraiser's Advocate for a candid conversation on how appraisers can not only survive but thrive in a rapidly changing profession. With decades of experience and a sharp wit, Tim shares his thoughts on the new URAR, the skills every modern appraiser needs, and how to successfully transition into private work. They also explore the evolving role of artificial intelligence in appraisal—what it can (and can't) replace—and the critical importance of mentorship in developing the next generation of appraisers. Whether you're a seasoned professional or just starting out, this episode is packed with practical insight, humor, and perspective from one of the industry's most respected voices. 

Bluegrass Realty and Appraisal auctioneer, Chuck McKee tells Jack's listeners what their valuables are worth. See omnystudio.com/listener for privacy information.

From Offer to Closing: Navigating the Home Sale Timeline When buying or selling a home in Massachusetts, timing is everything. From the moment an offer is submitted to the day the keys change hands, there's a complex series of steps that must align perfectly and sometimes those steps are influenced by weather, holidays, or even the timing of other transactions. In a recent episode of Talk Real Estate Roundtable, Sharon McNamara and Melissa Wallace of Boston Connect Real Estate broke down what really happens during the home sale timeline and how agents help clients navigate every turn of the process. The Emotional Rollercoaster of Buying and Selling Once an offer is accepted, excitement quickly gives way to nerves. Buyers start to realize, “This is really happening!” and suddenly, the process feels real inspections, financing, deadlines, and all. Sharon and Melissa note that this emotional shift is completely normal. For sellers, emotions run high too. Whether they're upsizing, downsizing, or handling an estate sale, every transaction carries personal weight. A great agent's role is to keep both sides calm, informed, and focused on the bigger picture. “Part of our job is to guide our clients through the emotions,” Sharon explains. “We've seen it all and that perspective helps everyone stay grounded.” Understanding the Layers of the Timeline The phrase “from offer to closing” might sound simple, but there are actually multiple timelines happening simultaneously. Offer and Acceptance – Once an offer is submitted, it includes an expiration date and offer deadline. Sellers must review and respond within that window. Home Inspection Period – Buyers usually have a short timeframe (often 5–7 days) to schedule and complete inspections. Purchase & Sale Agreement (P&S) – This formal contract typically follows the inspection phase and lays out the firm terms, dates, and contingencies. Appraisal & Financing – If financing is involved, this step is crucial. Lender delays or missed deadlines can push back the closing. Commitment & Closing Prep – Once financing is secured, attorneys and agents coordinate title work, smoke inspections, and final walkthroughs. Each stage has its own deadlines and missing one could jeopardize the transaction. The Listing Agent's Balancing Act For sellers' agents, managing the timeline is a true art form. Sharon emphasizes the importance of monitoring every date and understanding how one delay can create a domino effect, especially when the buyer is also selling a home. “You're often lining up two closings,” Sharon says. “It takes careful coordination to make sure your clients aren't left homeless or losing a deposit.” When a sale is contingent on another property selling, clear communication and tight timelines become critical. Agents often add date-specific contingencies to protect both sides ensuring no one's left in limbo. Offer Deadlines and Market Dynamics Offer deadlines have become a common strategy in Massachusetts' competitive market. Sharon explains that while they help organize multiple-offer situations, they can also cause confusion if not handled properly. “We used to set strict offer deadlines, but now I prefer to read the room,” Sharon says. “Sometimes, I let offers roll in and let the seller decide when they feel ready. It keeps flexibility in the process.” Melissa adds that understanding why deals fall apart from financing hiccups to misaligned timelines is one of the best ways for agents to prevent future issues. The Importance of Communication Perhaps the biggest takeaway from this episode is the importance of open, consistent communication. Buyers, sellers, lenders, attorneys, and agents must all stay in sync for the transaction to succeed. “Communication is the glue that holds the deal together,” Melissa notes. “If everyone's on the same page, we can handle almost any curveball.” Weather, Holidays, and Friday Closings Oh My! Sharon and Melissa also reminded listeners that not all delays are financial or emotional. External factors like snowstorms, long weekends, or back-to-back “domino closings” can create unexpected scheduling challenges. Tip from the pros: Try to avoid Friday closings when possible banks and attorneys may close early, and if a wire delay occurs, you could be waiting until Monday to move in. Final Thoughts Buying or selling a home involves far more than signatures and keys it's a careful dance of dates, details, and decisions. With the right guidance, however, it doesn't have to be overwhelming. At Boston Connect Real Estate, our agents take a holistic, hands-on approach to every transaction. From the first showing to closing day, we're here to make sure every move truly feels like a moving experience. Listen to the Full Episode Catch the full discussion with Sharon McNamara and Melissa Wallace on Talk Real Estate Roundtable wherever you stream your podcasts. Need Expert Guidance? Whether you're buying, selling, or just planning your next move, connect with the team at BostonConnect.com or call 781-826-8000 to schedule your consultation.

Today, hosts Hal Humphreys and Jim Morrison sit down with Matt Johnson of SFREP, one of the first software companies verified by the GSE's for UAD 3.6, to talk about what UAD 3.6 means from the software side of things: how software companies are preparing, what roadblocks they've hit, and why now might be the perfect time for appraisers to reevaluate their tools and workflows.At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday! You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.

Bryan shares a story illustrating that saying “I didn't know” or “I didn't remember” doesn't get you out of trouble — especially when you've done a dumb thing. (Let's just say a speeding ticket might've been involved.)That same rule applies in the world of appraisal. Too often, appraisers make careless mistakes, like signing on the left side of the report, which actually certifies they inspected the subject property. If they didn't? Well… that's one of those dumb things.Listen in as Bryan shares his own wake-up call and reminds appraisers everywhere to slow down, follow the rules, and double-check before they do something that could cost them their license — or at least their pride.Takeaway: Ignorance isn't an excuse. Whether you're behind the wheel or behind the desk — slow down, read the fine print, and don't do dumb things.

Commercial Property Appraisal Expert Drew Smith on the Chancery Court decision allowing schools to charge non-residential and commercial more in property taxes.

When you're buying or selling a home, one number can make or break the deal — the appraisal. On this week's Real Estate Right Now, I'm joined by Everett “Vic” Knight, one of North Carolina's most respected appraisers and former Chair of the NC Real Estate Commission. With decades of experience in real estate and property valuation, Vic brings the inside scoop on how appraisals really work and what every buyer and seller needs to know right now. Here's the first thing most people don't realize: the appraiser doesn't work for you — they work for the lender. Their job is to make sure the home is worth what the[...]

Chuck McKee of Bluegrass Auction and Appraisal stops by for his regular Thursday morning visit to tell Jack's listener's, caller and folks texting in what their valuables are worth!See omnystudio.com/listener for privacy information.

As a mortgage broker, how well do you understand the appraisal process? It's not just a formality — a low appraisal can kill a deal or reduce the mortgage amount your client qualifies for.   In this video, we cover:   What an appraisal actually is (and who orders it)   What happens when the appraisal comes in lower than the purchase price   The difference between lender-ordered vs. client-ordered appraisals   Why understanding appraisals is critical to protect your clients and keep deals on track  

In this episode, Bryan dives into some of the most important updates in UAD 3.6 and what they mean for appraisers in the field. He highlights where to find the latest official guidance directly from Fannie Mae and Freddie Mac, and reminds appraisers that these resources are publicly available and well worth a deep dive.Bryan spotlights a major change from Fannie Mae's update — the retirement of the long-standing requirement for appraisers to drive by the comparable sales. He walks through the Fannie Mae website, showing exactly how to download the Appendix F-1 URAR Reference Guide and how to search within it to find what you need fast.Plus, he shares a handy resource for checking broadband availability at a property — another valuable tool to add to your appraisal workflow. Listen now on your favorite podcast platform or watch the episode on our YouTube channel for a full walkthrough!

====Sign up for the Ron & Don Newsletter to get more information at⁠⁠www.ronanddonradio.com⁠⁠ (http://www.ronanddonradio.com/)====To schedule a Ron & Don Sit Down to talk about your Real Estate journey, go to⁠⁠www.ronanddonsitdown.com⁠⁠ (http://www.ronanddonsitdown.com/) ====Thanks to everyone that has become an Individual Sponsor of the Ron & Don Show. If you'd like to learn more about how that works:Just click the link and enter your amount at⁠⁠https://glow.fm/ronanddonradio/⁠⁠⁠⁠RonandDonRadio.com⁠⁠ (https://anchor.fm/dashboard/episode/ea5ecu/metadata/RonandDonRadio.com)Episodes are free and drop on Monday's , Wednesday's & Thursday's and a bonus Real Estate Only episode on Fridays.From Seattle's own radio personalities, Ron Upshaw and Don O'Neill.Connect with us on Facebook⁠⁠Ron's Facebook Page⁠⁠ (https://www.facebook.com/ron.upshaw/)⁠⁠Don's Facebook Page⁠⁠ (https://www.facebook.com/theronanddonshow

Michael Tedesco shares his inspiring journey from starting as a young loan officer to becoming a successful entrepreneur across multiple industries. He discusses founding Appraisal Nation—one of the largest appraisal management companies in the country—driven by his goal to better serve small to mid-sized lenders. After scaling Appraisal Nation over 18 years, Michael expanded into real estate, short-term rentals, and the fitness industry, applying data-driven strategies and market analysis to guide his investments. He highlights the importance of building relationships, offering unique value, and letting his businesses speak for themselves rather than relying on self-promotion.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this episode, Blaine introduces the listener to the famous Japanese swordsmen, Miyamotoi Musashi and his principles for business and life. Blaine covers seven timeless principles that rival any hack or tactic being taught today. 

Thursdays! Chuck McKee of the Bluegrass Auction, Appraisal and Realty tells Jack's listeners, callers and texts what their valuables are worth!See omnystudio.com/listener for privacy information.

Welcome to Industry Spotlight—a focused series hosted by Sam D'Arc, highlighting standout dealerships and innovative companies, and exploring the trends driving success in today's automotive market. Today, Sam sits down with Terry Chechakli, Director of Operations at Smith Auto Group, and Frederick Grimm, Co-founder of FIXD. This episode of the Car Dealership Guy Podcast is brought to you by AppraisalPRO: AppraisalPRO - Stop getting hammered on hidden trade-in costs. AppraisalPRO instantly reveals repair costs, alerts you to recently cleared codes, and integrates directly with vAuto— meaning diagnostic data populates automatically in your appraisals. Our comprehensive scans take seconds, not minutes, and are simple enough for anyone on your team to use. Join dealers saving $10,000s per month with the fastest and most accurate OBD2 appraisal solution in the market. Special deal for CDG listeners: FREE 1-week trial, then just $195/month with no setup fees and OBD2 scanners included. Visit @ http://www.getAppraisalPRO.com Check out Car Dealership Guy's stuff: For dealers: Industry job board ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://jobs.dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Dealership recruiting ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgrecruiting.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Fix your dealership's social media ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.trynomad.co⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Request to be a podcast guest ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgguest.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For industry vendors: Advertise with Car Dealership Guy ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgpartner.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Industry job board ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://jobs.dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Request to be a podcast guest ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgguest.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Topics: 01:22 Smith Auto's growth and acquisition strategy? 02:10 Biggest used car acquisition challenges? 03:12 Auctions vs. alternative inventory sources? 06:28 How AppraisalPro improves transparency? 10:30 Appraisal Pro's financial impact? 21:59 How do OBD scans help? 24:52 From fault codes to recon estimates? 27:31 Benefits of transparent dealings? 38:35 Future developments for AppraisalPro? Car Dealership Guy Socials: X ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠x.com/GuyDealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/cardealershipguy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@guydealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Threads ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠threads.net/@cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠facebook.com/profile.php?id=100077402857683⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Everything else ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This week on USPAP Talk, Lisa and Amy talk about how the appraisal profession was shaped over time.

That moment when your numbers don't match the bank's, and your whole strategy has to shift.Melvin and Jacqueline Landry share the behind-the-scenes of a refinance deal that didn't go as planned. But they didn't panic, they pivoted.You'll hear:What went wrong with the appraisalHow they handled lender negotiationsWhat they learned for next timeAnd how they still walked away with six figures Tap play and hear the full story.

Lisa and Amy dive into a discussion about what makes appraisal a profession on this week's USPAP Talk.

Today, Dustin has the youngest guest ever on his podcast. Cosette Harris (no relation to Dustin) stops by to talk about her wildly popular YouTube channel The Appraisal Kids (https://youtube.com/playlist?list=PL_S-c8qHdTe5cRRmLcN02mUJsWXM7R77T&si=67_BtgfoslhNyqmF). Cosette is joined by her mom, Nicollette, and they talk about how to produce and promote a YouTube channel, but more importantly - why. SUBSCRIBE: https://dustin-harris.mykajabi.com/newsletters/2147763779/subscribe

Today we're studying D&C 93:43 in just one minute! Grab your scriptures and let's dive into them together!   And grab study guides for the whole family here:  - To get Cali's scripture study guide for adults click here:  https://comefollowmestudy.com/shop/ Discount code: OMSS Or purchase on Amazon: https://a.co/d/4WDM8H0 - Kristen's daily scripture study help is available for kids/teens/adults in digital and physical form here :https://kristenwalkersmith.com/starthere/ And for weekly help understanding the storyline of Come Follow Me check out her YouTube videos here: https://kristenwalkersmith.com/youtube/ Get our 365-day Doctrine and Covenants daily devotional book: https://a.co/d/aE3Wp4D