Podcasts about appraisals

There's nothing quite like walking into a listing appointment prepared, only to have the seller slide an appraisal across the table before you can even share your thoughts. In this episode, we dive deep into the sometimes-helpful, often-headache-inducing world of pre-listing appraisals in real estate. Alissa shares a couple of jaw-dropping pricing stories, including one where she was blindsided by an appraisal that came in a full $60K over her estimate—and how she ended up taking the listing anyway (spoiler: she regrets it). Katy and Alissa get real about the pros and cons of pre-listing appraisals, when they're appropriate, and how they can be both a tool and a trap. You'll also hear two real-life case studies that show how appraisals can drastically impact seller expectations—and what happens when those numbers just don't line up with the market. From lessons learned the hard way to advice you can use in your next listing appointment, this episode is packed with insight, encouragement, and some painful pricing truth. If you've ever struggled to price a property—or convince a seller that their home isn't worth what Zillow (or their appraiser) says—this one's for you.     Here's what we chat about in this episode: What is a pre-listing appraisal and why would a seller get one? Real-life pricing fails (and what we learned from them) Why appraisals aren't always reliable in shifting markets How to talk to sellers about appraisals without losing the listing Why CMAs and appraisals rarely match Specific scripts and verbiage to use when appraisals go wrong The pros and cons of recommending an appraisal yourself How to position yourself as the pricing expert—even when the appraiser disagrees Tips for navigating seller emotions and stubborn pricing Key Quotes/Takeaways “I should've gone in with my Alissa mentality: tell them the truth and let the chips fall.” – Alissa “Appraisers are only using data from homes that actually sold. They're not accounting for what's sitting on the market today.” – Katy “I prayed I was wrong, but the market proved me right—and the house sat for months.” – Alissa “Sometimes the appraisal says 510 and your gut says 450… and you take the listing anyway. Don't do that.” – Katy “You can get five appraisers and five different values. Your job is to be the constant.” – Alissa Products, People & Previous Episodes Mentioned: Build Your Own Business 101 (BYOB) Email Templates 101 Agent Systems 101 Buyer & Seller Checklists Want to chat with us? Join the Hustle Humbly Community or send us a message at team@hustlehumblypodcast.com.     Don't forget to grab our free resources at hustlehumblypodcast.com! Want to support the show? Leave a review on Apple Podcasts or share this episode with a Realtor friend who needs it! Leave us a review at ratethispodcast.com/hustlehumbly Get your FREE Database Template  Email Templates 101: emailtemplates101.com Build Your Own Business 101: hustlehumblypodcast.com/byob Agent Systems 101: agentsystems101.com All Resources: hustlehumblypodcast.com Submit your topic ideas and toasts to team@hustlehumblypodcast.com   Music: Straight A's by Conner Price The Good Life by Summer Kennedy  

Santa Barbara appraiser Elizabeth Stewart talks about the latest art news, including a Van Gogh—real or not?  Watch Video The post News From the Art World appeared first on Elizabeth Appraisals.

In this episode I discuss spiritual discernment using the analogy of appraisals & valuations as an illustration.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin divides this episode into three segments. He first interviews Eddie Tettevi, Sandbox Mutual Insurance CRO and RIMS Canada Council Chair — DEI and Comms, about his risk career and his service on the RIMS Canada Council. In the second segment, Justin interviews Janiece Savien-Brown, Metro Vancouver, and Shaun Sinclair, BCIT, about the C2C Challenge and the winning student team. The third segment is a recording of "Intentional Mentorship," an improvised session from the DEI Studio, featuring Dionne Bowers, Co-Founder & Chair of the Canadian Association of Black Insurance Professionals (CABIP), Ray Chaaya, Head of talent for Zurich Canada, and Natalia Szubbocsev, Executive Vice President at Appraisals International Inc.   Listen to learn about some exciting events of the RIMS Canada Conference 2025.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. This episode was recorded live on September 15th, 16th, and 17th at the RIMS Canada Conference 2025, at the Telus Convention Center in Calgary. We had a blast! We will relive the glory of the RIMS Canada Conference in just a moment, but first: [:50] RIMS Virtual Workshops! RIMS has launched a new course, “Intro to ERM for Senior Leaders.” It will be held again on November 4th and 5th and will be led by Elise Farnham. [1:07] On November 11th and 12th, my good friend Chris Hansen will lead “Fundamentals of Insurance”. It features everything you've always wanted to know about insurance but were afraid to ask. Fear not; ask Chris Hansen! RIMS members enjoy deep discounts on virtual workshops! [1:26] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:37] Several RIMS Webinars are being hosted this Fall. On October 9th, Global Risk Consultants returns to deliver “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes”. [1:50] On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:07] On November 6th, Hub will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:20] On with the show! It was such a pleasure to attend the RIMS Canada Conference 2025 in Calgary. There's always electricity in the air at RIMS Canada, and I wanted to capture some of it!  [2:33] We've got two interviews, and then an improvised session I recorded at the DE&I Studio. The sound came out great, and I used it here with the panelists' permission. [2:49] We've got excellent education and insight for you today on RIMScast! My first guest is Eddie Tettevi. He is the Chief Risk Officer at Sandbox Mutual. He's a very active member of the Saskatchewan RIMS Chapter and a member of the RIMS Canada Council. [3:11] We're going to talk about his risk management career, his RIMS involvement, and how his insights from one of his RIMS DE&I sessions led to this discussion. [3:24] First Interview! Eddie Tettevi, welcome to RIMScast! [3:38] Eddie is the Chief Risk and Compliance Officer at Sandbox Mutual Insurance. He's also the Corporate Secretary, which means he helps the organization navigate strategic initiatives within the boundaries of risk appetite and regulatory compliance. [4:12] Eddie has been at Sandbox for approximately two years. When he joined the company, Sandbox was going through a period of rapid growth and taking the right risks. That was something Eddie looked forward to being involved in. [4:54] The CRO role was not an independent role at Sandbox before Eddie started. It was held by the Chief Financial Officer. The CCO role was held by HR. The Corporate Secretary role was held by the CEO. Eddie fills the three roles in his new position. His background fits all three roles. [6:06] Eddie normally leads a risk group of three. Eddie was previously in cyber for 13 or 14 years. His background is in electrical engineering and computer science. He helped organizations secure their software and network. [7:02] Eddie doesn't think risk management is any different. He's helping organizations make the right decisions. The difference is that the portfolio is much larger. Cybersecurity is one aspect of Eddie's risk management work. [7:33] Eddie says cyber attacks are growing. Individuals who may not be skilled are using AI tools to perpetrate cyber attacks. The attacks are increasing exponentially in skill and sophistication. [8:09] Eddie co-hosted a session in the DE&I Studio with Aaron Lukoni and Tara Lessard-Webb, focused on understanding how mental health plays a part in risk management and how organizations should think about mental health as part of a risk management framework. [8:31] The session was “Building Resilient Workplaces, the Role of Mental Health in Risk Management.” In it, Eddie revealed he is skilled in multiple languages, but an expert in none, including English. He grew up with influences from English, French, Malay, and Creole Patois. [9:38] Eddie loves learning about new cultures. That has influenced his accent. In every language he speaks, he has an accent, which makes it interesting. He has worked in French and English organizations. He learns languages in six months. He picks them up quickly. [10:50] Eddie, Aaron, and Tara emphasized making sure we are thinking about and embedding mental health in our risk framework. [11:02] When designing any strategies and initiatives, risk professionals should consider what's happening in the organization. An organization going through a lot of change is already a stressed organization. You have to consider that as you introduce more change. [11:40] Eddie says the award-winning Saskatchewan RIMS Chapter is exciting. It's great to work with people who are interested, dedicated, and committed. He says the chapter is doing some incredible things, such as introducing risk courses into the universities in the province.  [12:15] Eddie was a RIMS member before joining Sandbox. You can be a RIMS member without joining a chapter. Moving to Saskatoon created the opportunity for Eddie to join the Saskatchewan RIMS Chapter, which he had been looking forward to, to connect with people. [12:36] Justin gives shoutouts to various Saskatchewan Chapter members. [13:03] Eddie serves on the RIMS Canada Council as Chair of the Communications, External Affairs, and DEI Committee. [13:22] The committee is responsible for making sure that all RIMS communications have a DEI lens and advocate for the risk community, partnering with other advocacy groups around Canada. [13:52] Justin says it's been such a pleasure to meet you and hang out with you! I look forward to seeing you at more RIMS Canada and RIMS events. [14:02] Our next guests organized the 2025 C2C Coast to Coast Challenge. This is a competition for risk management students based in Canada. We'll learn about the case studies and what it took to produce their presentations, and also have a chance to acknowledge the winners. [14:19] We will hear from Shaun Sinclair, the Program Head of General Insurance and the Risk Management Program at British Columbia Institute of Technology, and Janiece Savien-Brown, the Manager for Risk and Claims Management at Metro Vancouver. [14:35] We're going to learn about their various roles, as well. Let's get to it! [14:39] Second Interview! Shaun Sinclair and Janiece Savien-Brown, welcome to RIMScast!  [14:47] Janiece Savien-Brown is the Manager of Risk and Claims Services with Metro Vancouver by day. She has been involved with BCRIMA for 17 or 18 years. BCRIMA started the Coast 2 Coast Legacy Challenge three years ago. Last year was its first year in Vancouver. [15:07] Shaun Sinclair is the Program Head of the General Insurance and Risk Management Program at BCIT, an institute of technology in Vancouver and Burnaby, B.C. [15:17] They teach students insurance and risk management courses. Students graduate with a CRM and a Chartered Insurance Professional designation. [15:26] Shaun is also the President of BCRIMA this year. He has been a BCRIMA member for a long time. This C2C Legacy Challenge was awesome for Shaun because two teams from BCIT got into the finals. Shaun had to recuse himself.  [15:51] Janiece says the RIMS Canada Conference 2025 was fantastic! Shaun was there with seven students, and it was awesome to see what they were learning. The students told Shaun they loved everything about it. [16:45] The two finalist teams were The Deductibles and Insure and Conquer. This year's submissions were highly creative and impactful. [17:10] Shaun has been involved in Risk Management Challenges for years and has been to the nationals several times with groups. Shaun stays pretty hands-off. The students get the challenge, and Shaun discusses it with them. He figures out what they need from him to do it. [17:42] In this case, a root cause analysis wasn't needed. They learned how to do a Failure Mode and Effects Analysis (FMEA), a heat map, and gather general knowledge. Then he let them go. They came up with the 10-page report. He didn't watch their presentation until they went live. [18:14] Their champion for the challenge was Ken Letander. The challenge was a procurement question. If your organization's ownership is 51% Indigenous, and you keep your staff 33% Indigenous, money comes your way for contracts. [18:48] When the contract is over and it's time to get the money, but the organization refuses to give that information, how do you make sure they have the 33% Indigenous staff and 51% Indigenous ownership? Do you need pictures, or can you use Elders to say it's enough? [19:12] The students had to read a lot about risk and the rules and regulations regarding this question. They had to read the Canadian government's language on what the rules are. It was an interesting case. [19:38] Janiece didn't envy them at all. The students came up with some solutions for Ken Letander, and he was thrilled with what came from all of the reports. [20:33] Janiece says the presentations were phenomenal from both teams, as well as the written submissions. The collaboration came through and showed they owned the essence of the project. You could see the desire of the top team to make it work. [21:12] Shaun says the cases used in C2C are pretty much real cases. Janiece says last year's case competition had to come up with an equitable access tool to use in the system. After Janiece had surgery, she was given a survey, and she recognized it from the case study. [22:26] Justin says it's great that the students collaborate. You need teamwork. [22:54] Shaun says you hear a lot about isolation. He says BCIT is sometimes called “Being Crammed Into Teams.” Shaun and the other teachers assign projects where students are forced to work with at least three or four people. [23:13] After two years of group projects, collaboration is relatively easy. Shaun also makes the students hand-write their exams. They learn how to think through a problem and put it down on paper. Afterward, they go outside and talk about what they did. [24:52] Shaun's advice to academics and students entering a C2C challenge is to follow the rules. If they say 8-point font, 10-page maximum, don't send 14 pages. The instructor should help students understand the material and then step back. Let the students do it. It's on them. [25:42] Janiece says it is key to engage at the conference. While the Challenge is the key feature, the experience at the RIMS Canada Conference is a large part of it. Be present. Don't be on your phones the whole time. Attend sessions. Come to the events, have fun, and network. [26:07] Janiece was at an event, and five people came up to her and asked if she had brought the BCIT students (Shaun had). [26:22] People were absolutely amazed at how engaging the students were, willing to put themselves out there, and setting meetings with people in BC for opportunities when they come back. That's part of the experience. [26:40] Shaun points out that a couple of the students are quite shy and have come out of their shells because they've had to talk to people. The more you do it, the better you get at it. [27:01] Janiece reports that at one of the events, the students who were in Vancouver from Calgary came out and met with her students. RIMS, RIMS Canada, and the local chapter promote engagement. [27:31] The 2025 C2C Challenge Calgary winner is The Deductibles, 1.95 points ahead of Insure and Conquer. Insure and Conquer did an awesome job as well. [28:11] The Deductibles team is: Rabia Thind, Triston Nelson, and Ryan Qiu. [28:32] Parting advice for risk students as they step into their careers: Shaun says, if you're going to be an accountant or finance student, think about insurance risk management. Amazing career opportunities in fields that cover everything are all within your grasp. Put it on your radar. [29:26] Janiece says she is living proof of that. She was going to be an accountant. After a car accident, she switched to insurance and risk. It's a lifestyle. She has gained many friends, colleagues, and mentors. She started as an adjustor and after 31 years, she's still in the industry. [29:54] Shaun says you can swap jobs from broker to underwriter, to claims, to risk manager, to education, and not start again at the bottom. It's an amazing career. [30:26] Justin says Thank you so much, it's been such a pleasure to reconnect with you here at the Telus Convention Center in Calgary, for RIMS Canada Conference 2025. Shaun and Janiece are already thinking about the C2C Challenge in 2026. We'll see you there! [30:51] As I said at the top, we're going to close things out with an improvised session called “Intentional Mentorship,” which was produced at the DE&I Studio. [31:19] Improvised Session, “Intentional Mentorship,” at the DE&I Studio! With the insights of Dionne Bowers, the Cofounder and Chair of CABIP, Ray Chaaya, the Head of Talent at Zurich Canada, and Natalia Szubbocsev of Appraisals, International. Please enjoy! [31:40] Natalia Szubbocsev introduces the panel. Natalia is the Executive Vice President at Appraisals, International, an insurance appraisal company, global but small, with a diverse, inclusive team. Natalia has been a mentee and a mentor and is glad to contribute her insights. [32:38] Dionne Bowers is the Co-founder and Chair of the Canadian Association of Black Insurance Professionals, a nonprofit organization, and has recently joined Markel Canada as one of their business development Colleagues. [32:57] Ray Chaaya is head of talent for Zurich Canada. Ray oversees talent acquisition, talent development, and talent management, as well as the culture portfolio for the company, DEIB, and community impact. [33:15] Natalia asks What does mentorship, particularly inclusive or intentional mentorship, mean for you? Dionne says that it is a strong commitment by both the mentor and the mentee to work together for growth opportunities. [33:38] Intentional mentorship is the dedication that each party has to bring to the table, and fulfilling any sort of mandates that have been asked by both. Depending on the program, it's making sure that everyone is on the same page in terms of what they want from each other. [34:04] Ray agrees with Dionne. There has to be a mutual benefit. Ray has been a mentee and a mentor, and finds that the most valuable mentorship relationships are where the mentor and the mentee walk away feeling like they're learning something every day, having a conversation. [34:30] Ray says it's a two-way street and a relationship that can often last for years, because it is a relationship where the value is long-term. Ray talks to young people, and they ask, You're my mentor, what do I do? It doesn't work that way. It's a long-term investment. [34:56] Natalia says that traditional mentorship, besides being one of the best ways of professional development, is also to transfer knowledge from someone who has the experience to someone junior in his or her role. What other purpose does mentorship serve? [35:19] Dionne says it's also recognizing that it's an opportunity for learning from one another. A mentor is a seasoned insurance professional who is working with someone who is a new entrant to the industry. [35:37] It's recognizing that a mentor and a mentee are learning from each other. Strength in development is making sure that you are taking away something from each other, each time you meet, connecting and learning trends and thoughts, and diversity of thought. [36:10] Dionne asks, How can we do things differently? She has learned a lot from young people. Dionne thought she was cool, but apparently, she's not. And she's just taking away a lot of that into her own world, professionally and personally. [36:23] Natalia says her experiences are not just intergenerational, but in Canada and beyond, intercultural. She says what needs to be respected and adapted to, both by the mentor and the mentee, is that you're coming from different backgrounds. [36:45] In a global setting, that will affect communication, that will affect the thought processes, that will affect everything; the way we do things. Because Natalia leads a global team, she has to be adaptable, sensible, and respectful of the cultural nuances. [37:07] At the same time, she asks her mentees or team to do the same for her, because she comes from a very specific background. She has an Eastern European background. It doesn't matter that she's lived in Canada for 25 years. [37:25] Her background defines the way she communicates, thinks, and handles things. Every culture communicates differently. That's an overall mutual understanding, knowing that we all come from different backgrounds. [37:47] Dionne says there has to be a willingness to learn. There's no point in having a mentor-mentee relationship where it's just going to be closed off, and this is what we're going to talk about. There has to be a willingness to learn. [38:07] Ray says there's a learning agility piece. You have to be flexible in how the relationship is going to go. Every mentorship relationship is different, too. There are no steps on how to be a good mentor or a good mentee. [38:25] It's the chemistry between the two, the value that you bring to each other, and the conversations. The maturity of a mentorship can also go into sponsorship. [38:37] When Ray has a conversation with somebody, and they get to know each other, and feel what they want to get out of this, he can be a voice for that person. It goes back to the conversation of lifting others when you can. [38:54] When Ray thinks back to his mentors who stick out in his mind. He has a lot of respect for them. They are the people who spoke about him when he was not in the room, and had his back in that room when he was not there. [39:15] Those are the people, as Ray matures in his career, he doesn't know that he would be here today if it weren't for those mentors. And that is what he hopes he can bring to somebody else as a mentor. [39:29] Natalia says, in a global setting where she works, boosting confidence is very important. In a multicultural global setting, it's important to encourage someone in a different country, who communicates differently, that it doesn't matter, they can do it. [39:50] We are working on a common goal. That's part of the sponsorship/mentorship/training. [40:08] Ray says you have to be honest as a mentor. The toughest times for Ray were when he realized he was trying to make this work for a person, but to be honest with himself, as a mentor, he should be encouraging this person to look somewhere else, at what their passions are. [40:33] He went into it thinking he wanted this person to be the best they could be at this job. And he realized that's not his job as a mentor. [40:43] His job is to understand what they want out of their career, where they bring value, where their passion is, and guide them to make sure that they ultimately are happy with their career, and they're bringing value to society, and they're contributing to the community. [41:06] One specific person Ray was mentoring, he was desperate to fit them into the insurance industry, because that's how he was programmed. He was thinking, Why is this not working? And he realized it's not working because they don't want to do this. [41:25] And as a mentor, Ray's job now is to say, What do you want to do, and let's help you get there. And when he made that mind shift, it just clicked. That was a little bit of a learning opportunity. Now he's a better mentor for learning that. [41:42] Dionne agrees with that. She had one mentor who told her, If you plan to give back as a mentor, don't have any expectations, or you're setting yourself up for failure. [42:05] A lot of mentors have a similar approach, because we don't know. We want it so badly. We want to be able to say, I did that. I helped them get to wherever. If you have a mentee who is not in the mindset, and you're not sure that this is for them, have that conversation. [42:38] It's important to recognize that you're going to impact their lives differently. Even though you have that mentor-mentee relationship, you may be asking them to reconsider dipping their foot into the industry. [42:55] Natalia says not making assumptions about the other person and having that curiosity, openness, and mutual communication is very important. [43:05] How do you build in mentorship or inclusive or intentional mentorship into your organization? Ray says mentorship programs should be part of any industry, any corporation, or any organization. If you expect people to learn and grow, they need mentors. [43:30] Ray says Zurich has baked in mentorship programs into a lot of its development programs. Your development means you get a mentor, and you learn from that mentor. They bake it into the development strategy that's already there, and don't make it an off-site thing. [43:57] It shouldn't be another thing; it should just be part of your growth and development. And so, whenever they can bake it in, that's what Zurich does. [44:04] Zurich also has amazing employee resource groups that champion a lot of its programs, and the Zurich African and Caribbean Alliance, ZACA, which has worked with KBIP, is a massive champion of its mentorship program. [44:19] Just two or three months ago, Zurich held a mentorship day and increased the mentors on its mentorship platform by 48%. It was just another thing that was out there that nobody was talking about, and another thing people had to sign up for. [44:39] Zurich's employee resource group put a spotlight on it, and they showed the value, and they made it part of the ERG's culture to participate in mentorship. Then all of those ERG participants signed up to be mentors, and now are actively mentoring. [45:00] You really need to look at it from a strategy perspective. It can't just be an extracurricular activity that you add on. [45:08] Dionne agrees. KBIP works with organizations like Zurich, and with the ZACA program and the team, but also does the work for organizations that are not there yet or not willing to put the extra effort in to embed it into the DNA of the organization. [45:33] Part of KBIP's mandate is to create a mentorship program specific to Black insurance professionals. It doesn't matter where you're from, international or domestic student, or anyone who wants to be part of the organization and get extra support to build on their career trajectory. [46:02] What do mentors get out of mentorship? Dionne says as a mentor, she gets satisfaction from seeing someone excel, not necessarily from start to finish. You could be at the tail end of their journey, you could be at the beginning, or you could be in the middle. [46:36] If there is a desired outcome for both parties, and there's success, when someone calls you or texts you and says, You know what, I got that job, or I was recognized for doing XYZ, that is satisfaction. That is success. [47:00] Ray says his passion is helping people grow and develop. He started his HR career in learning and development, because he used to be intrinsically rewarded when he saw somebody learn something he taught them, or he trained them on. That felt like a superpower. [47:21] When Ray can do that with the programs Zurich runs, and he interviews people and watches their growth, and they are so grateful; to Ray, that is worth it all. You don't even have to pay him for that. He will volunteer and do that his entire life because of what he gets out of it. [47:47] Natalia agrees. There are obvious advantages from an organizational point of view, but from an individual point of view, Natalia feels that she has arrived at a point where there's no ego anymore. She wants to transfer her knowledge to someone. [48:04] Natalia wants to tell someone that they can do it. Because she did it, they can do it as well. And that's a very important aspect of mentorship. [48:15] How do you make mentorship intentional and inclusive? Ray says it means they have to see the value. It has to be part of the business strategy. Anything that is not intentional, people think, Why do I have to do this, on top of everything else that I need to do? [48:36] The second we are making it intentional, it has to make sense. This is why I'm doing this, because it's going to benefit me, it's going to benefit the company, and it's going to benefit the people I'm impacting. [48:47] They have to see the strategic business value, and with mentorship, it's easy. Because there's massive value for the organization, there is a massive competitive edge if you're doing it properly, and there is massive learning and development for your workforce. [49:05] You just need to sit down with professionals like KBIP, with people who have thought through it, and understand how to help you bake it into the strategy. Just do the work. Anything intentional has to make sense. If it does not make sense, it can't really be that intentional. [49:28] Dionne says that in every organization, when you are constructing your missions and your value statements, it's sitting down as an executive team, and asking, How can we execute on this? What does that mean? Mentorship is something that bleeds into your brand. [49:57] The brand recognition from a competitive edge standpoint is huge. Dionne says she can walk into a school for outreach programs and say, Zurich is a market of choice. You would want to work with Zurich because of this, this, and this. [50:14] If you can tell them that they're going to be supported along the way with their career, that's added value. That is something that will definitely differentiate Zurich in the marketplace. [50:26] Dionne adds that being intentional is huge because when you are not, people can see right through that. That is where you create toxic cultures. [50:39] It's not in a company's best interest to ignore the opportunities that stem from mentorship programs. [50:47] Natalia says she's not an HR professional, but she imagines that mentorship has a great role in not just attracting the right talent, but in retention as well. [50:58] Ray affirms, 100%. It's part of your growth and development. Sure, you can use it as a competitive edge to attract people, but if you're not doing it right, then they're not going to develop and grow, and that competitive edge is really just smoke and mirrors. It's not real. [51:15] So, if you're going to do it right, you have to develop people and grow people through your mentorship programs, and you have to show the results for it. [51:26] Dionne adds, That speaks to the inclusivity part of diversity, equity, and inclusion. If you can build a strategy that equates to inclusion, it equates to retention. It's not rocket science.  [51:49] Ray says Zurich is really good at that. [51:52] Final thoughts on intentional mentorship. Dionne says, “Just do it. I'm a Nike gal. Just do it.” [51:59] Ray says, “I wouldn't be where I am in my career if it weren't for my mentors and my sponsors. And so, if you see potential, mentor the heck out of that potential, because they will thrive.” [52:15] Dionne says, “And acknowledge it. I think that's a big part of that strategy.” [52:21] Natalia thanks Ray, Dionne, and the RIMS DE&I Studio for picking up this topic, a very important topic, and she hopes you enjoyed the session. [52:38] Justin says special thanks again to all of our guests here at the RIMS Canada Conference 2025. Be sure to mark your calendars for October 18th through the 21st, 2026, for RIMS Canada, which will be held in Quebec City. [52:55] Shout out to the RIMS Canada Council for producing another fantastic conference and to the RIMS Events Team and all my RIMS colleagues who worked tirelessly to make the last three days so smooth. It's such a pleasure to work with you all. I look forward to seeing you next year. [53:14] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [53:43] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [54:02] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [54:19] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [54:35] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [54:50] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [55:02] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: From RIMS Canada: “RIMS Ontario Chapter Honours Bombardier's Daniel Desjardins with the 2025 Donald M. Stuart Award” RIMS ERM Conference 2025 — Nov. 17‒18 Spencer Internship Program — Registration Open Through Oct. 15. RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration through Sept 30! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Next bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now RIMSCanadaConference.ca RIMS Webinars: RIMS.org/Webinars “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes” | Oct. 9 | Sponsored by Global Risk Consultants “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “Parametric Insurance: Providing Financial Certainty in Uncertain Times” | Oct. 30, 2025 | Sponsored by Swiss Re “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World” | Nov. 6 | Sponsored by Hub   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule Risk Appetite Management | Oct 22‒23 | Instructor: Ken Baker “Intro to ERM for Senior Leaders” | Nov. 4‒5 | Instructor: Elise Farnham “Fundamentals of Insurance” | Nov. 11‒12 | Instructor: Chris Hansen “Leveraging Data and Analytics for Continuous Risk Management (Part I)” | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes with 2025 RIMS Canada keynotes: “Distilling Risk and Resilience with Manjit K. Minhas” “On Resilience with Amanda Lindhout” “Thoughts and IDEAs on Inclusivity with Michael Bach”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “Change Management: AI's Role in Loss Control and Property Insurance” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Demystifying Multinational Fronting Insurance Programs” | Sponsored by Zurich “Understanding Third-Party Litigation Funding” | Sponsored by Zurich “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Eddie Tettevi, Sandbox Mutual Insurance CRO RIMS Canada Council Chair — DEI and Comms Janiece Savien-Brown, Metro Vancouver Shaun Sinclair, BCIT "Intentional Mentorship" improvised session from the DE&I Studio, featuring: Dionne Bowers, Co-Founder & Chair of the Canadian Association of Black Insurance Professionals (CABIP); Ray Chaaya, Head of talent for Zurich Canada; Natalia Szubbocsev, Executive Vice President at Appraisals International Inc.    Production and engineering provided by Podfly.  

Photographer Ralph A. Clevenger and Curator Emily Falke discuss the Redwoods of the Sea: Life in the Channel Islands Kelp Forests exhibit at the Santa Barbara Maritime Museum through January ... The post Redwoods of the Sea appeared first on Elizabeth Appraisals.

In this episode of Do The Work | Mindset Mastery, I break down a simple truth I live by every day. Attitude is the foundation. Enthusiasm is the expression. When I move with purpose even on the mornings I feel stiff, tired, and anything but motivated, my actions create the energy I need. People read my face, my voice, my posture, and they respond to what I carry. If I choose purpose, others feel it and follow it. Introduction I did not wake up inspired. My back hurt. My shoulder was tight. I shuffled to the bathroom like a slow old man. Then I walked into the gym and a guy told me I always move with purpose. That compliment reminded me of the standard I set for myself. I do not wait for motivation. I act first. The energy shows up after. Body Awareness creates advantage I know eyes are on me. Clients, team, family, even strangers at the gym read my body language. They decide how far to push, whether to trust, and if they want to work with me based on what I show. When I smile, stand tall, and speak with conviction, I transmit certainty. Certainty moves deals forward. Action before motivation I never count on feeling ready. I get moving and let the movement warm up my mind. Action builds motivation. Motivation builds inspiration. Then I stack more action. That cycle is how I keep momentum, even when my body hurts or my schedule is heavy. Enthusiasm is a skill Enthusiasm is not fake. It is a decision to express what I believe. Shoulders back. Eye contact. Strong handshake. Clear tonality. Words that lead. I do this with my family so they can believe in me. I do it with clients so they can make confident decisions. If I carry worry, they mirror worry. If I carry certainty, they mirror certainty. Lead the room with your presence At the gym I skip every other stair. At the coffee shop Carla and I visit, we are met with smiles and service because we bring the same energy. People respond to the way you enter a space. Move like you have somewhere to be and something to build. Smile first. It opens doors. Say you are the best and then deliver Big claims force big delivery. When I say I market the best, negotiate the best, and deliver the best, I give my subconscious direct orders. Then I back it up with preparation, presence, and follow through. Clients already believe you are the best when they call you. Do not talk them out of it by being timid, worried, or slow. Protect client experience with your tone Problems happen. Appraisals come in low. Inspections get messy. Your job is not to transfer panic. Your job is to take on the worry and lead with solutions. Calm tone. Clear path. People want to feel they made the right decision when they chose you. Practical cues to switch on enthusiasm Smile before you call. Stand up when you negotiate. Use your hands when you explain. Nod to confirm understanding. Keep your voice steady. Dress with intention. If you feel yourself fading, lean your shoulders forward and let your body pull your mind into motion. Forward momentum beats hesitation. Conclusion Attitude sets your standard. Enthusiasm shows the world your standard. Stop waiting to feel ready. Take the action that moves you. Smile with purpose. Speak with conviction. Walk like you mean it. When you do, people feel safe making decisions around you. That is leadership. That is how you produce. Reader Questions Where in your day do you usually wait for motivation, and what action can you take first to spark it instead Think about your last client meeting. What did your face, tone, and posture communicate before you said a word What bold claim about your service are you willing to make today, and what specific action will you take to back it up Notable Quotes Attitude is the foundation and enthusiasm is the expression. Do not wait for motivation. Take the action and let the action create the energy. Clients already believe you are the best or they would not have called. Do not talk them out of it. Follow A.Z. Araujo on Social Media: Instagram: @azaraujo Facebook: A.Z. Araujo TikTok: A.Z. Araujo YouTube: Do The Work Podcast   For Real Estate Agents in AZ: Learn more about Do The Work Coaching and A.Z. & Associates: dothework.com/azaa   Upcoming Events: If you're a real estate brokerage owner, sign up for one of our upcoming events. Visit: dothework.com bigmoneybrokerage.com Join my mailing list for updates!   New Do The Work Gear: Check out the latest DTW and Do The Work Gear! Hats, shirts, journals, and more: shop.dothework.com

Founder Patti Jacquemain talks about the California Nature Art Museum 25th Anniversary Celebration & Artist Reception on Friday, September 19.  Watch Video     The post California Nature Art Museum 25th Anniversary appeared first on Elizabeth Appraisals.

On this episode of the Appraisal Buzzcast, host Hal Humphreys sits down with Humza Ahmed, founder of Automax AI, to talk about how artificial intelligence is already helping appraisers save time and adapt to structured data requirements. From comps to report generation to safeguarding client data, Humza shares how his AI “copilot” can turn days of work into minutes. If you're wondering how technology will reshape appraisal under the new UAD 3.6, this conversation is a must-hear.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 conversation, Steven Lee shares his journey from academia to real estate investing, discussing the challenges and learning experiences he faced while transitioning from wholesaling to flipping properties. He emphasizes the importance of networking, adaptability, and understanding regional differences in real estate markets, particularly between Texas and California. Steven also highlights the complexities of property appraisals and financing, and concludes with insights on future opportunities in the industry.   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   —--------------------

Nomad Tango Executive Director Alejandra Folguera joins choreographer and dancer Fernanda Ghi to talk about the production of Malena—the story of a woman's rebellion and her fight to claim her ... The post Nomad Tango Presents Malena appeared first on Elizabeth Appraisals.

In this vAuto podcast, used vehicle buyer Josh Kor of Richfield Bloomington (MN) Honda shares how UVeye's AI-powered vehicle inspections and a new vAuto appraisal integration have made acquiring vehicles from service customers more effective and efficient. Kor details the process he follows that yields 1500 completed service lane appraisals and 40-plus vehicle acquisitions each month. Hear how the dealership uses UVeye technology to supplement vehicle inspections and uncover additional RO opportunities; ensures nearly 90 percent of service lane customers receive appraisals for their vehicles; and follows a “soft touch” approach that gives customers 30 days to say “yes” to the initial offer.

On this Housekeys episode, Cam Villa sits down with Amy Parker, owner of Appraise It Today and President of the Real Estate Appraisers Association-NorCal. Together, they unpack the evolving world of real estate appraisals and the challenges appraisers currently face. Amy shares how she got started as an appraiser and her pivotal role in shaping MLS concession standards. From emerging trends and future tech to building stronger partnerships with SAR members, this conversation offers REALTORS®, Preferred Partners, and Homeowners fresh insight into where the appraisal industry is headed—and why local ties still matter. Music: Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show  License: https://filmmusic.io/standard-license  All speakers in this podcast do not speak on behalf of the Sacramento Association of REALTORS® nor do they represent the Sacramento Association of REALTORS®. All presenters are speaking on behalf of their own profession.

Director R. Michael Gros and playwright Jerry Slaff join founders of DramaDogs A Theater Company, E. Bonnie Lewis and Ken Gilbert, to talk about the West Coast premiere of Lies at Center ... The post Lies at Center Stage Theater appeared first on Elizabeth Appraisals.

Summary In this conversation, the hosts discuss the current state of the real estate market, reflecting on summer experiences and the upcoming fall market. They delve into the nuances of first refusal agreements, market trends, and the emotional aspects of home buying, particularly in the context of divorce. The discussion emphasizes the importance of understanding market dynamics and preparing for the emotional journey of buying or selling a home. Takeaways The summer market has been consistent, with no significant lulls.Fall is an exciting time for real estate, with many events and activities.First refusal agreements can be beneficial but come with risks.Market trends show a mixed bag, with some areas seeing price drops.Emotional factors play a significant role in home buying decisions.Divorce can complicate real estate transactions, requiring careful navigation.Taking summer photos of homes can enhance listings for fall sales.Negotiation skills are crucial in the current market environment.Understanding local market dynamics is essential for accurate pricing.The importance of having a supportive real estate team during transitions. Sound Bites "Real estate never stops.""Prices are coming down.""Emotions win in home buying." Chapters 00:00 Introduction to the Real Estate Market00:54 Behind the Scenes: Getting You Home02:52 Understanding First Refusals in Real Estate08:08 Navigating Multiple Offers and Buyer Psychology11:44 The Importance of Appraisals and Market Value15:57 Emotional Factors in Home Buying Decisions17:32 Real Estate and Divorce: Navigating Complex Situations18:51 Navigating Real Estate During Separation23:21 Preparing for the Fall Market25:02 Understanding Market Trends and Statistics30:46 Optimal Selling Times in the Fall31:20 Summer Adventures and Cottage Getaway34:18 Festivals and Events in Ottawa37:12 Community Developments and New Arena Announcement40:03 Closing Thoughts and Listener Engagement41:18 She Sells Ottawa OUTRO.mp3

Links & ResourcesFollow us on social media for updates: ⁠⁠Instagram⁠⁠ | ⁠⁠YouTube⁠⁠Check out our recommended tool: ⁠⁠Prop Stream⁠⁠Thank you for listening!

  It's been a minute since we sat down with Mortgage Guru Bill Payne and he brought a friend to the party.  Jay McGinnis of McGinnis Appraisals joins the conversation to discuss the real do's and don'ts of Appraisals and gives us a behind the scenes look at his process.  If you're a real estate agent who's dealing with appraisal discrepancies in this Wild West of a housing market, tune in, Jay and Bill break it all down.

Brigette Ginter interviews artisan Chris Bailey about his restoration of the Lobero Theatre Eagle. Watch Video The post Chris Bailey and the Lobero Theatre Eagle appeared first on Elizabeth Appraisals.

Welcome to the lenders playbook podcast, episode 87! I am your host Matt Rosen, and we are your go to podcast for private lending, real estate and entrepreneurship.Today we're taking a deep dive into the evolving world of valuations and appraisals with Service 1st, a company that's redefining how private lenders and investors approach the appraisal process. My guest is Pete Gianfransesco who plays a pivotal role in guiding the company's mission and innovation as the Senior VP of Appraisals.We'll talk about what Service 1st does, who they serve, how their technology is streamlining the process, what sets them apart from other AMCs, and how they're tackling some of the biggest challenges in today's appraisal market. We'll also cover what private lenders should look for in a great AMC partner, the trends shaping the future of valuations over the next couple of years, and Pete's personal insights on leadership,If you want a clear picture of where the appraisal industry is headed — and how to make sure you're working with the right partner — this episode is for you.

In this episode, Blaine introduces his proprietary framework for building a thriving real estate appraisal business. It's a 7-part framework called BOSSMAP™, where each letter is a commandment to do something and be something in your business. Get ready to take notes and write down the steps for building a killer appraisal business. 

Art Historian Brigette Ginter talks about art appraisal.  Watch Video The post Art Historian Brigette Ginter appeared first on Elizabeth Appraisals.

Welcome to the lenders playbook podcast, episode 85. We are your go to podcast for private lending, real estate and entrepreneurship. I am your host Matt RosenToday, we're catching up with Josh Jensen one of the most innovative forces in the inspection and appraisal valuation world — We had Josh on episode 58, which ironically is 85 backwards....Well, since then they've launched a new product that could change the way lenders and investors handle valuations forever.We're diving into what sparked this game-changing idea, how their hybrid desktop model works, and why it's winning over the non-QM space. We'll talk turn times that could save you days, how they're keeping data rock-solid and compliant, and the surprising feedback that's already reshaping the product. If you've ever wanted a faster, smarter way to handle appraisals without cutting corners — you're going to want to hear this one.”

In this episode, Traci welcomes Jill and Nate Powell, the powerhouse team behind Austin Integrative Real Estate Group and Global Real Estate Advisors at Engel & Völkers. Based in the Texas Hill Country, Jill and Nate combine their deep understanding of rural real estate with years of appraisal experience, giving clients a competitive edge in both luxury and land transactions.As active members of Engel & Völkers' Farm & Ranch Division, they bring specialized expertise to properties that require more than the standard residential approach. Their background in appraisals keeps them on top of market shifts, allowing them to advise clients with accuracy and confidence in any economic climate.From luxury estates to working ranches, Jill and Nate blend analytical insight with a people-first mindset, ensuring their clients make smart, informed moves—no matter where they're planting roots.#FromWaterlooToTheAlamo #EngelVolkersAustin #EngelVolkersSanAntonio #AustinRealEstate #SanAntonioRealEstate #TexasRealEstate #LuxuryRealEstate #GlobalAdvisors #AustinIntegrativeRealEstateGroup #HillCountryHomes #RuralRealEstate #FarmAndRanch #RealEstateExperts #MarketInsights #AppraisalExpertise #LuxuryLivingTexas #RealEstatePodcast #EVPodcast

Author Penny Paine talks about her latest book, Spangler: A Santa Barbara Artist, about Dennis Spangler (1953-2016). Watch Video The post Spangler: A Santa Barbara Artist by Penny Paine appeared first on Elizabeth Appraisals.

  Winnie cheung discusses her show with Nomad Tango, Winnie Cheung and Friends on Sunday, August 3 at SOhO Restaurant and Music Club.  Watch Video The post Winnie Cheung and Friends appeared first on Elizabeth Appraisals.

In this episode, Blaine discusses the '4-Hour Workday' concept and the how and why of earning twice as much in half the time. Since most appraisers only get 3-4 hours of really productive time out of most days, Blaine explains how this understanding can lead to making more income in considerably less time by focusing on the right kinds of things in an appraisal business.  Learn how to build an appraisal business where you can make twice as much in half the time at www.CoachBlaine.com/freemonth 

A trio of real estate pros calling themselves the WEALTH Collective plans to solve Philadelphia's race-based $57 billion gap in housing values. Hear their story.

Looking for straight talk about electric vehicles? Our review of the 2025 Volvo EX40 Twin Motor Ultra pulls no punches, exposing both impressive features and frustrating flaws in this Belgian-built EV. With 402 horsepower and advanced pixel headlight technology, the vehicle offers plenty of power and premium features—but requires navigating through four separate touchscreen interactions just to turn it off.The real-world economics of EV ownership take center stage as we reveal how driving 270 miles required two charging sessions costing $33.59, while the same money would fuel a conventional truck for 232 miles without the charging delays. At an MSRP of $62,045 for our test model, the EX40 faces stiff competition from Mercedes, Audi, and Genesis alternatives.Auto appraiser Michael Wooding joins us to discuss the current state of the classic car market, revealing how economic uncertainty has created a buyer's paradise where normally $25,000 vehicles are selling for just $8,000. Wooding shares valuable insights about auto appraisals for insurance purposes, diminished value claims, and project cars in various stages of restoration.We round out the episode with upcoming car events across Texas and breaking automotive news, including Volvo's decision to trim its US product offerings, the elimination of fuel efficiency penalties for automakers, and Rivian's impressive new electric pickups and SUVs packing over 1,000 horsepower.Whether you're contemplating an electric vehicle purchase, curious about the value of your classic car in today's market, or simply want to stay informed about the rapidly evolving automotive landscape, this episode delivers the unfiltered, expert analysis you need to navigate your automotive decisions.Be sure to subscribe for more In Wheel Time Car Talk!The Lupe' Tortilla RestaurantsLupe Tortilla in Katy, Texas Gulf Coast Auto ShieldPaint protection, tint, and more!Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.---- ----- Want more In Wheel Time car talk any time? In Wheel Time is now available on Audacy! Just go to Audacy.com/InWheelTime where ever you are.----- -----Be sure to subscribe on your favorite podcast provider for the next episode of In Wheel Time Podcast and check out our live multiplatform broadcast every Saturday, 10a - 12noonCT simulcasting on Audacy, YouTube, Facebook, Twitter, Twitch and InWheelTime.com.In Wheel Time Podcast can be heard on you mobile device from providers such as:Apple Podcasts, Amazon Music Podcast, Spotify, SiriusXM Podcast, iHeartRadio podcast, TuneIn + Alexa, Podcast Addict, Castro, Castbox, YouTube Podcast and more on your mobile device.Follow InWheelTime.com for the latest updates!Twitter: https://twitter.com/InWheelTimeInstagram: https://www.instagram.com/inwheeltime/https://www.youtube.com/inwheeltimehttps://www.Facebook.com/InWheelTimeFor more information about In Wheel Time Car Talk, email us at info@inwheeltime.comTags: In Wheel Time, automotive car talk show, car talk, Live car talk show, In Wheel Time Car Talk

Are you sitting on a goldmine without even realizing it?Whether you're dreaming of a new kitchen, eyeing an investment property, or just needing some financial breathing room—your home might be the key. In this episode of Moving Sucks, Seth and Jenn break down two powerful tools for tapping into your home equity: Cash-Out Refinances and HELOCs. But which one is right for you? And how can you avoid the pitfalls that leave others financially trapped?Seth and Jenn unpack the real-world pros and cons of each strategy, challenge the idea of your home as just a "forever home," and get real about what it means to borrow responsibly. You'll hear why appraisals, interest rates, and even your own financial habits matter more than ever—and walk away with the clarity you need to make a smart move with your money.If you've ever wondered how to turn your home equity into opportunity—without turning your life upside down—this episode is for you.

When you get a rental appraisal, can you trust it? Or is it just a guess that's designed to help someone make a sale?In this episode, we reveal never-before-seen data on just how accurate rental appraisals really are – based on properties actually rented across Christchurch and Auckland. You'll hear the numbers, the surprising truth, and what it means for you as a property investor.You'll learn:What percentage of appraisals fall within the stated range (and which city performs better)How often properties rent for less than expected – and by how muchWhy getting this right matters when applying for lending or projecting cashflowWant to learn what a good gross yield is in New Zealand – here's our guide on what is a good rental yield nz.Don't forget to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠create your free Opes+ account here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠

It's the end of the school year, which can only mean one thing: performance appraisal season. But with targets that feel random, policies that haven't caught up, and a system still obsessed with spreadsheets… we're asking:Do schools even value great teaching anymore – or just good data?In this episode, Dylan and Hayden unpack:What appraisals are supposed to be vs. what they've becomeThe 2024 rule change that schools are quietly ignoring (hint: appraisals shouldn't affect your pay anymore)Two shocking listener horror stories — including one about a school disco being used to block a teacher's progressionWhy stretch targets often just mean stretched teachersWhat a fair, supportive appraisal system could look likeFollow us on Instagram: www.instagram.com/teachsleeprepeatpodcastFollow us on TikTok: www.tiktok.com/teachsleeprepeatpodcast

Segment Teaser – Ever wonder why two appraisals on the same home can come back with very different values? In this episode of Go Gaddis Real Estate Radio, we're breaking down the mystery behind appraisal variations—and what you can do about it.

In this episode, Blaine talks about how to build an AI (Artificial Intelligence) proof appraisal, real estate, or lending business. Any business that can benefit from being more human than the machines will get some value and ideas to put into play to build an AI proof business. 

In this episode, I open up about a moment many first-gen investors and inner-city buyers will face: a biased appraisal. One of my properties in the past was clearly undervalued — not because of bad numbers or poor condition, but because of who I am and where the property was. The comps checked out, the work was done right, but the value still came in low. That's when I realized: this wasn't about real estate — it was about perception and prejudice. This episode is your blueprint for dealing with it:     •    How to spot appraisal bias early     •    What to do when the numbers don't add up     •    How to legally challenge and correct a shady valuation     •    And how to protect the value of your assets in neighborhoods they love to devalue If you're an investor coming from the overlooked side of town, making smart moves in places they don't expect — you'll run into this. But you won't be caught off guard.

In this episode, Blaine introduces the V.A.L.U.E. Framework™, which is a business building framework for dominating in the non-lender appraisal world. In the VALUE Framework™, each letter stands for a principle, as well as a command to do or be something in your market. Download the VALUE Framework™ cheatsheet at https://www.coachblaine.com/value 

Tip Tuesday, 2-4 Min Real Estate TipsThinking about buying a home and wondering what appraisals are, who pays for it, and what happens if the value comes in higher or lower than expected? This week, Ryan breaks down everything you need to know about appraisals—from who orders them and when, to how much they cost, and what your options are if the appraisal doesn't match your offer. Plus, discover the special incentive Ryan offers: Your Best Mortgage covers your appraisal fee!

The Moneywise Radio Show and Podcast Wednesday, May 28th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Manageme instagram: MoneywiseWealthManagement

Affordable housing continues to dominate the national conversation—and yet, no level of government seems to have cracked the code. In today's episode of The Vancouver Life, we're taking this issue into our own hands. Following our most-commented video ever, where we introduced a series of bold ideas to bring truly affordable, ownership-based housing to Canadians, we're back with more. Many responded with sharp criticism, valid points, and even better ideas. It inspired us to expand on the original concept, now tentatively called The Dan Plan, and crowdsource even more solutions from our community. With over 10,000 viewers tuning in weekly, if even 1% of you contribute, that's 100 new ideas we can compile into a living document—and present directly to government contacts with the goal of influencing real policy change.The 'Dan Plan' includes removing development cost charges and developer profit margins by having government step in as the builder, offering 0% interest construction loans, and fast-tracking approvals. For buyers, it proposes radical affordability measures: zero down payment, no GST, no property transfer tax, and even no annual property tax for qualifying homes. These changes, if implemented, would reduce the barrier to homeownership by a huge amount—immediately. This isn't about building a few thousand affordable rentals years from now. This is about creating affordable homes people can own and build wealth with today. And while the plan isn't perfect, it's meant to start a conversation—and we want you to be part of it. Share your ideas in the comments, and we'll refine and present the best of them to government officials.In addition to the affordability push, we highlight a rare real estate opportunity happening right now in Surrey. The Belvedere, a just-completed concrete high-rise, is offering homes at 25% below their original list price. Despite showing “sold out” online, approximately 70 units are being released under this promotion, with prices starting at $721 per square foot. Appraisals are reportedly coming in $90,000 higher than the discounted prices, making this one of the most compelling condo deals in the Lower Mainland. Financing is expected to be smoother with these valuations, and we anticipate a swift sell-out. To learn more or get access, visit condoday.ca or reach out to us directly.We also unpack a massive week in Canadian real estate data. Housing starts jumped 30% in April to 279,000 annualized units—the strongest print since June 2023—but nearly all of that growth came from purpose-built rentals. Condo and single-family home starts, by contrast, have fallen to decade lows. This unusual dynamic points to a likely plateau in rent prices and suggests that condo values may face future headwinds due to increased supply and moderating rents.Whether you're passionate about housing affordability, curious about the current market landscape, or just looking for a rare real estate deal, this episode delivers insight and opportunity. And if you believe Canadians deserve affordable homes they can own, now is the time to raise your voice. Drop your ideas in the comments—we're listening, compiling, and taking action. _________________________________ Contact Us To Book Your Private Consultation:

In this episode, Blaine goes over the rise of AI (artificial intelligence) in almost every area of life and business. AI is definitely a real thing in the world of appraisal and appraising and appraisers should start now to learn everything they can about it if they want to thrive in the new world of AI driven business. 

Modernizing Appraisals & Leading with Purpose in Mortgage | FinTech Hunting w/ Cindi HarrisIn this episode of the FinTech Hunting Podcast, host Michael Hammond welcomes appraisal innovator and leadership advocate Cindi Harris, owner of Harris Real Estate Valuation and Consulting and founder of People Move Mountains.

Kelly Phillips, owner of The Lodge Auction House, shares how she turned a lifelong passion into a 22-year business rooted in transparency and trust. From navigating estate liquidations to managing a team through personal loss, Kelly breaks down what it takes to scale a service business while staying true to your values. Her story is a mix of grit, growth, and great business lessons.What You'll Learn:How to turn a passion into a long-term businessThe power of transparency and consistency in brand buildingDelegation strategies for small service teamsHow to adapt when markets shiftLessons from handling both high-end estates and emotional client situations

In this conversation, Dylan Silver interviews Zachary D'Amato, a mortgage advisor from Ohio, who shares his journey from running a large sales team to becoming a mortgage advisor. Zac discusses the importance of having a mortgage advisor versus going directly to a bank, the benefits of understanding different loan types, and how he guides first-time homebuyers. He emphasizes the significance of appraisals and the need for a trustworthy team in the mortgage process. Additionally, Zac shares insights on marketing strategies and building a niche in the mortgage advisory space.   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   —--------------------

This week on The Session with Londa and David, appraisals and why they could be taking a while to get back to you. Mothers Day Brunch at Bob's Burgers and Brew and the CEO screaming about working from home.Want more of Londa and David?Follow us on social media!https://linktr.ee/sherwoodautinhomes

In this episode, Blaine answers several questions from the listeners about building their non-lender appraisal business, hiring and training apprentice trainees, and how to stop being the bottleneck in your own business. 

In this episode, Blaine shares 8 pieces of wisdom he's learned over the years from mentors, masters, Stoics, and life in general. 

In this episode, Blaine compares the two different appraisal company business models: the one person business, or solopreneur, and the team builder model, which is the business model whereby the appraiser has additional income generators within the business so that all of the income is not dependent on just one person. 

Investor behavior is shifting—but the real story is hiding in the data.Redfin just reported that investor home purchases dropped 10.5% in Q4 2024—and it's even worse in parts of Florida!Sounds like bad news for real estate, right?Not so fast.There's been a lot of noise lately about investors pulling back from real estate…But what if that headline is missing the point?That's why we're digging into the numbers on this week's episode of the Not Your Average Investor Show to show you what's really happening—and where the opportunity still lives.Join Gregg Cohen, co-founder of JWB Real Estate Capital, and show host, Pablo Gonzalez, as they explore:- What Q1 trends reveal about the current market—and investor sentiment- Why purchasing power is stronger than the headlines suggest- How the apartment oversupply is impacting rent dynamics (and where single-family fits in)- What rent growth is expected to look like in the next few years—and why that matters for long-term investorsPlus—a milestone moment for JWB you won't want to miss. Let's just say it proves that consistent success doesn't happen by accident.This episode is your chance to cut through the noise and see the bigger picture—so you can make better moves for your portfolio.Don't let fear-based headlines make your investment decisions.Listen NOW!Chapters:00:00 Introduction and Overview01:19 Host Introductions and Show Welcome01:51 Community Shoutouts and Roll Call04:52 Discussion on Investor Home Purchases06:49 Analyzing the Redfin Article07:51 Debunking Misleading Headlines13:32 Florida Real Estate Market Insights15:48 Evaluating Investor Market Share21:52 Real Estate Agent Perspectives26:23 Investor Market Trends in Major Cities28:01 Dissecting Data from John Burns Real Estate30:16 Flipped Homes and Short-Term Market Optimism32:04 Impact of Foreign Investment Decline35:10 Creating Positive Cash Flow in Real Estate40:48 Jacksonville's Real Estate Market Insights51:38 Q&A: Appraisals, Loans, and 1031 Exchanges01:00:07 Conclusion and Upcoming TopicsStay connected to us!Join our real estate investor community LIVE: https://jwbrealestatecapital.com/nyai/Schedule a Turnkey strategy call: https://jwbrealestatecapital.com/turnkey/ *Get social with us:*Subscribe to our channel  @notyouraverageinvestor  Subscribe to  @JWBRealEstateCompanies  

In this episode of the podcast, we dive into the world of property appraisals—an essential yet often misunderstood part of real estate investing. They break down the appraisal process, explaining what to expect and how to prepare your property for a favorable outcome. Drawing from our own experiences, we're offering you practical tips on handling low appraisals and emphasizing the importance of being proactive throughout the process.Key Takeaways:An appraisal determines a property's value for financing purposes.Appraisals are subjective and influenced by various factors, so preparation is key.Presenting a well-prepared appraisal packet can help sway the appraiser.Investors should always review the appraisal report to understand the comparable sales used.If an appraisal comes back low, disputing it or requesting a second appraisal may be an option.Low appraisals can open the door for renegotiation or provide a way out if a contingency is in place.Whether you're preparing for your first appraisal or looking to refine your approach, this episode equips you with the knowledge to navigate the process confidently. Tune in to learn how to maximize your property's value and protect your investments!   Resources:Simplify how you manage your rentals with TurboTenantGrab your spot in The WIIRE CommunityConnect with BrieAnne on InstagramLeave us a review on Apple PodcastsLeave us a review on SpotifyJoin our private Facebook CommunityConnect with us on Instagram

In this epsiode, Blaine talks through several thoughts and ideas around why so many appraisers choose to be silent and invisible where and when it matters the most, which is not whining and complaining on social media. 

Detroit Home Appraisals EXPLAINED! What Impacts Property Values for Homeowners Fix & Flip Investors?Are you wondering how home appraisals work and what factors impact Detroit property values? In this episode, we dive deep into the world of home appraisals, breaking down everything you need to know—whether you're buying, selling, or investing in fix and flip properties.Join us as we explore:✅ How appraisers determine a home's value✅ What affects Detroit property appraisals✅ Common issues that lower appraisal values✅ Strategies to maximize appraisals for fix and flip projects✅ The difference between appraised value vs. market valueIf you're a real estate investor, agent, or homeowner in Detroit, this episode is packed with insider insights to help you navigate the appraisal process and get the best possible valuation.