Podcasts about appraised

It's been another interesting year in the world of personal finance and macroeconomics. As we look ahead to 2026… well, who really knows what's coming? I'll be sharing my own take—and making a few predictions—in an upcoming episode. What's hard to ignore is just how unusual this moment in history is. We're coming off COVID. We went through a rapid rise in interest rates, and now a pullback. Tariffs are back in the conversation. There are a lot of moving parts, and as usual, the consensus hasn't exactly nailed it. Almost every expert was convinced tariffs would push inflation higher. I expected at least a temporary bump—some transient inflation while markets adjusted. Then the CPI report came out at 2.7%. That's a lot closer to the Fed's 2% target, and nearly half a percentage point lower than expectations. Clearly, something else is going on. At the same time, GDP came in at around 4.3% growth. That's real strength. Inflation is coming down, growth is strong, and while the labor market is still a little murky, there's no question there's underlying momentum in the system. Investors haven't quite felt it yet. It's been a sticky environment. But my sense is that we're getting closer to a shift—more liquidity, more money in the system, and markets that may start moving meaningfully again. Of course, we'll see how it all plays out. For this episode, my producer Phil pulled together some of the highlights from the show in 2025—a look back at the conversations and ideas that stood out in a year when the data kept surprising just about everyone. I hope you enjoy it. And again, happy holidays. Merry Christmas, and Happy New Year. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  Welcome everybody. This is Buck Joffrey with D Wealth Formula Podcast, coming to you from Montecito, California and, uh, want to wish you, first of all, a happy holidays. Merry Christmas, happy new Year, all that. And, uh, yeah, it’s been, uh, it’s been another, uh, another interesting year in the world of personal finance and macroeconomics is what, what we talk about on the show. And as we look forward to 2026, gosh, who knows what’s gonna happen, right? Uh, well I’ll give you my take in, uh, show coming up where I’m gonna make some predictions. However, you know, it’s just, it, it, it’s just such an unusual time in, in history. Um, as we kind of look at. Coming off of COVID and having those high interest rates and then coming, uh, coming down and then having Trump elected and now the tariffs and well, gosh, who knows? Right? I mean, just for example, you know, almost every expert was pretty much guaranteeing that inflation would go up because of the tariffs. I mean, even if it was transient, which frankly I thought it was gonna be transient, meaning that there was gonna be a bump in inflation. For a period of time until there was a readjustment after tariffs. Well, TPI comes up most recent CPI is actually 2.7. You know, that’s much closer to the fed target of 2%. And, um, 2.7 was, you know, I think, uh, almost a half, half percentage point less than the expected, uh, CPI, uh, report. So that, that’s obviously something else is going on there. And then. GDP numbers came out and we had a four handle. It was like 4.3, I believe, GDP. So we’ve got incredible growth. We’ve got decreasing inflation. The labor market is still, I know, a little unclear, but it seems like there’s a lot of strength in this market. Of course, it’s really sticky investors. We haven’t quite felt that strength yet, but I do think you need to start anticipating. That markets are gonna come back pretty heavy, uh, with increased liquidity, uh, and a lot of money in the system. But we shall see, uh, this show. What we’re gonna do here is, uh, my, uh, producer Phil put this together, but it’s basically some of the highlights of, uh, the show in, in 2025. So hopefully you enjoy it. Uh, and again, happy holidays. Merry Christmas, new Year. And we’ll be back right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying. You compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique, it’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its back. Turbocharge your investments. Visit wealth formula banking.com. Again, that’s wealth formula banking.com. How do you approach the process of identifying stocks that are maybe best suited for consis consistent cash flow? Or do you just pick the stocks that you like and, and create the cash flow? Or are, you know, fundamental metrics that maybe you prioritize? Yeah, the, the, the first thing to determine. I think real estate investors understand this is if I were to invest in real estate, I’m gonna determine whether I’m gonna be a flipper, or I’m gonna try and buy low forced depreciation, sell high. Or if I’m gonna be a cashflow investor where I might invest in syndication, or I am, I’m gonna have tenants in property management. And the same is true with stocks. Most people start off by thinking about price rather than cash flow. They think about buy low, sell high, like a house slipper, and that’s, that’s less tenable in stocks because in real estate, if I buy low and sell high, I can do things to force appreciation. I can renovate, I can get new management, I can put in new appliances. I, there’s things I can do to force appreciation. But once a person buys a stock, there’s absolutely nothing you can do to make the stock price go up. But if you take a a, if you think of it like a real estate investor. You think about it like owning a business where the priority, as you mentioned these metrics, the priority is, Hey, what kind of cashflow will this produce be in terms of dividends and in my case, option premiums. And so some of the key metrics is, you know, if I, I’m basically buying a financial statement, same as real estate. You know, I, I, I, it is just a little different numbers in real estate. I wanna know what the net operating income is. In stocks, I might wanna know what the EBITDA is ’cause they’re essentially looking at the same types of things in real estate. I wanna know what the cap rate is in stocks. I wanna know what the PE ratio is, which is just the same number inverted. They just put the price on the top instead of the bottom. To me, I don’t see a difference between real estate and stocks, uh, in that they’re both a business or they charge someone for a good or a service. And there’s either cashflow there at the end of it or not. If people take a cash flow approach, they can begin to build on their passive income. And that contributes to that blueprint we mentioned earlier to get ’em outta the route race. So if you take a Warren Buffet approach, the most important number in that business is operational cash flow or earnings. Meaning does what they do, their operation. You know, you walk in there, a nice operation you got going here, you know, trucks are moving and you know, products are being built and shipped and, and nice operation. If they’re earning money, that means that’s the life flood of the business. That means it’s got a good moat. That means it’s pretty protected and that allows them to do two things for me. Number one is a dividend, which is exactly the same thing as a distribution in real estate. Uh, there is no difference, uh, in a syndication. I have a whole bunch of investors I’ve joined with where you have a share of this project and when the earnings come out, they distribute the, the distributions among the share shareholders. Same is true with stocks. They take the earnings, uh, we call it a payout ratio, and they take a, a, a significant amount of that money and they pay it in a dividend, same as a distribution. But what I do that’s a little bit unique buck is, uh, is I also have the options market on my side. Where I can use options to control risk, uh, to get guarantees where I can buy and sell, but even more importantly, I can offer, uh, and get paid for making promises to people. This is very much a Warren Buffet deal where it, it brings a significant increase to my monthly cash flow beyond the dividend, up to three, two and three times. Uh, the amount of money, two to 300% more cash flow. By being involved in the options market and that’s, that’s a nice secret sauce. The yield max Tesla option income, ETF, which is TSLY. And basically what it does is. Is it just does a series of longs and shorts and, and then generates what looks like to be kind of a, a ridiculous amount of, uh, dividend, uh, per, per month. So what are we missing here? What, what’s, well, you’re, you’re basically hiring those guys to mow your grass. It’s just like any other mutual fund or any other. They’re doing something you could absolutely do by yourself and not pay them a fee. There’s two cultures. There’s the advice culture and there’s the education culture and the advice culture. People say, look, I don’t wanna learn anything. Just gimme the advice. Well, you’ll pay for that in fees. And the problem with doing that is if you really listen to Warren Buffett, which 1% is enormous. Because in the wealth blueprint that we do for people, we use compounding. We use the compounding calculator to see what we’re gonna need. You drop that 1%, you give up 1% of your compounding powers as an investor over your life, it, it wouldn’t seem like 1%, but Buffet knows the truth. It’s enormous. So yeah, absolutely there are ETFs and there are funds that will do exactly what I do or what I teach people to do, but we have some advantages in doing it yourself because risk is about control. I trust myself more than I trust those guys any day of the week. And like I say, I’m doing this by month, so yeah. But it’s legit. How do you even make predictions? And second of all, I mean presumably you still have some forecasts over the next, uh, 12 to 24 months, and maybe you could tell us a little bit about that. Our methodology lends itself to times of uncertainty like this, and that’s the benefit of really relying on the leading indicators that we have. Now. We do have to take a little bit of a different approach. We have to look at data in a lot higher frequency today. You know, a lot of the data you get from government sources or quarterly data, monthly data, but we’re having to track weekly trends with the ever-changing environment that we find ourselves in. So we’re not surprised by the time any monthly or quarterly data comes out. The level of uncertainty that we’re dealing with is certainly unprecedented. I share an index each day, um, and we are three times more uncertain today than we were at the height of the pandemic. You know, put that in perspective, right? Yeah. So we do have to adjust, um. The, the way that we’re looking at data with higher frequencies, we also have to rerun a lot of these correlation analysis. Every single time we get a new data point to see are these lead times becoming more condensed? Do we have to make adjustments in our models as a result to maybe data reacting quicker than it might have in the past? So those are some of the ways that we’re, we’re continuing to evolve in these interesting times we live in. This relates to our forecast. Our team expected some weakness in the first part of this year, and, and we knew that coming in with the, with the tariffs that were proposed during President Trump’s campaign, we did have a weak first quarter GDP number forecast. Our team was 0.1% off of nailing that first quarter GDP number, so they were right on the money there. Uh, we were very impressed with that, but we do expect a sluggish first half of the year. We call it the recovery phase of the cycle. What we mean by that is our growth rates are still building momentum, but are still negative year over year. You know, ITR. Really known for its emphasis on leading indicators. So which of the leading indicators you guys rely on the most when and, and I guess which are flashing red or green right now? I’ll give you one of each. Uh, yeah. The one we’re in right now, we look at the purchasing managers, index isms, purchasing managers index. Now we look at at on a one 12 basis. What I mean by that is we compare the most recent month, the same month one year ago. The reason we look at it on that basis is it gives us 12 month lead time into the future when you correlate it to the economy. That index was recently rising until we got the most recent month of data, and then it dropped back down. So that is giving us the mixed signal of, hey, we need to be a little bit more concerned about the prospect for growth moving forward. Now the opposite is true when we look at an indicator called capacity utilization. What Capacity utilization measures, it’s about an eight month lead time to the economy. So still a nice view into the future, but what it measures is output over capacity, and that actually continues to improve meaning. And again, really all that means on a simple level is we’re utilizing more of our existing capacity, so we’re getting busier. If we look at the consumer side of inflation that the Fed’s more concerned about in terms of setting policy, we have inflation essentially flat this year from where we are today. Now, if you look at the CPI, it’s at 2.8%. Our projection for the end of the year is 2.8%. We don’t see inflation coming down much at all. As a result of that, that’s why you’re seeing Chairman Powell back off being able to cut rates and is holding these rates steady because he sees these higher inflation risks as well. And so from our perspective, it’s very unlikely you see any meaningful interest rate decline this year. Yeah. Now again, the second quarter, GDP number can have an impact on that. We do see a very weak second quarter chairman Powell alluded just a couple of days ago to some slack in the labor market. Maybe you can get a quarter point if we have a really weak second quarter, quarter point cut, but it just seems very unlikely given how persistent inflation has been. And so we tell all of our clients, prepare for interest rates to be relatively flat this year, and prepare for interest rates to rise through the balance of the second half of the decade. It’s not just tariffs, it’s employment costs, it’s electricity costs, it’s material costs. There’s a lot more driving higher inflation than just tariffs. What macroeconomic trends are you watching right now with regards to how they’re shaping the markets today? I think there’s really three things right over the long run. They’re gonna debase the currency, that’s gonna be a persistent tailwind for all liquid, uh, assets, including stocks. Bitcoin gold and bonds. And then I think that you also are going to have a, uh, very interesting dynamic around all these tariffs, uh, and kind of the administration’s economic policies. And then the third thing is that there is a whole technology, uh, trend to, uh, pay attention to. Uh, obviously innovation is very deflationary. Uh, we’ve got, you know, things from humanoid robots to rockets to gene editing, to uh, to crypto and everything in between. And so I think those three things really tell the story of where, uh, markets potentially go in the future. When I grew up, um. S and P 500 was the benchmark. There’s a risk-free rate in bonds. I believe that my generation and younger sees Bitcoin as the benchmark. And so, uh, it’s very simple. If you can’t beat it, you gotta buy it. And I think that there’s institutions around the country who are realizing they can’t beat the benchmark and therefore they will end up buying it. And really, to me, that is, uh, maybe the most interesting. Part of the entire conversation is that Bitcoin obviously has risen significantly on a percentage basis in appreciation. Bitcoin has kind of infiltrated every corner of finance, but most importantly is it has transitioned from a high risk, you know, kind of asymmetric type asset to now it’s becoming the hurdle rate uhhuh. And if you’re the hurdle rate, you suck up a lot of capital. Yeah. Because there’s not a lot of people who can beat you. And I think that that is a very powerful position for Bitcoin to be in. And that’s how you infiltrate into, uh, the institutional portfolios. Bitcoin will stop going up. When they stop printing money. I don’t think they’re gonna stop printing money, so I don’t think Bitcoin’s gonna stop going up. That’s kind of one huge component of this. The second thing is that Bitcoin is very unique in that the higher the price goes, the less risky it is deemed by the largest pools of capital. Mm-hmm. And so usually, you know, if NVIDIA’s at a $4 trillion market cap, people like, oh, it might be overvalued there. A lot of debate. Right. Bitcoin if it was at a $4 trillion market cap would be way less risky than it when’s at 2 trillion. And so there is a lot of structural advantages, both from the legacy world but also from the Bitcoin market that I think will continue to lead to these large institutional capital pools. Uh, allocating some percentage. And the beauty is right now we have very small adoption in that world. Uh, it’s only gonna get bigger. It’s only gonna get more normalized. And I think that one of the parts people really underestimate when it comes to Bitcoin is how important time passing is. You know, if you think back, uh, there is not anyone under the age of 16 that has lived their life without Bitcoin existing. If you’re keeping large chunks of money in savings account, paying less than 1% or any percent less than inflation, you’re bleeding wealth every single day. It feels safe. It looks safe, right? ’cause the numbers may not be moving nominally but it, but it’s not safe. It’s a bucket with a hole in the bottom and you don’t even notice until it’s almost empty. That’s why the wealthy don’t hoard cash. They own assets. They own assets that inflate with inflation. If you can’t beat ’em, join them. They buy things that grow in value as dollars shrink because they understand the system. They don’t fight it, they ride it. So you’ve said many times that the current monetary system is broken and headed for reckoning. So from your perspective, what are the core flaws in the system right now and how do we get here? Well, probably the largest and most obvious underlying flaw in the monetary system is the fact that the federal government just can’t balance its budget. And so they have to take on debt to cover the deficit that they run and that deficit. Well, you know, over the course of the last 20 years, it’s gone up and down. More recently, it’s gone mostly up and, uh. We just came through a period where, you know, it was reemphasized to everybody. Just what a problem this is. Because as you’ll recall, when Trump was first elected, they were talking about those, the Department of Government Efficiency and cutting expenses and you know, maybe 2 trillion or 1 trillion. Of course, then Elon got frustrated and left and the numbers have come down and you know, Trump and the Freedom Caucus was saying they were gonna try and balance the budget or at least cut expenses. And of course, what we know is that they just passed this big beautiful bill. Which really increases the deficits and they bump the debt, uh, ceiling up by another $5 trillion. So sadly, what do many of us have seen and been saying, which is to say they just can’t stop, kind of continue. Seems to be continuing. And, um, you know, the reason why that, just to close the full circle, the reason why that matters is they, they do this debt, they issue debt to cover these deficits, and then the debt requires interest payments and, you know, there’s not enough money to make the interest payments. And so. They more or less have to print the money, you know, and inflate the money supply to keep the system going. And that’s why it’s so important to hard assets. You know, we need to grow the economy at, you know, 4, 5, 6, 7% a year, which, which we’ve never really done on real terms. Well, I think that is kind of what they’re projecting it might be, but it, it’s gonna be harder than hell to achieve. I mean, it just, where you can’t just snap your fingers and create that growth. Now, don’t get me wrong, if you start to, if you ramp up inflation. If you have 10% inflation, well then the GDP number’s gonna get bigger, fast. And so really the model they’ve used, they call it the R Star model, is that they’ve got to have faster growth. Growth rate has to be higher than interest rates, or else you’re in a debt spiral. And so what’s been happening is, by the way, that’s why Trump wants to take interest rates down so much. You know, he is called for a 300 basis point cut. Imagine right now with inflation running at three plus percent, if they cut rates to one point a half percent or one point a quarter percent, I mean, it would be good for the economy. People would refi their houses. You know, there were all kinds of, you know, growth, right? Huge. But in turn it would be inflationary, very inflationary. That’s the trap. They’re really kind of caught in. It’s a seventies kind of stagflation sort of environment. You know, if they don’t keep rates low, they’re not gonna have any growth. If they want to get growth, they’ve gotta keep rates low. That’s gonna lead to monetary creation, which is gonna lead to inflation. Look how it all resolves is very complicated and none of us know. Yeah, sure. But what I do know with very high certainty, with a lot of confidence is this is going to be an inflationary decade. It’s already been an inflationary decade, and because of the way the math is today is very highly likely to continue to be an inflationary decade until we fix this monetary system. Well, we have less than 3% adoption. Three goes to six fairly easily. You know, human beings underestimate how long change really requires, and then we really underestimate how much change actually occurs. Think the internet like we are moving into a digital planet, right? Robots are not going to use credit cards, man. They’re not gonna use, they don’t need visa. We don’t need middlemen. The cool thing about Bitcoin, unlike the Rolls Royce, is you don’t have to buy the whole Rolls Royce. You can buy a fraction of it. You know, you don’t, maybe you guys partner with each other to do apartment buildings. Well, you’re already doing fractured deals on apartment buildings, so Sure. It’s not really that different. 2%, 3% goes to six. I mean, it does go to six. You have the largest ETF in the history of ETFs, okay? This supersedes the goal. ETF by orders of magnitude. I study markets very, very well, price. Really gets people’s attention. I think price is, uh, 90% of Bitcoin. Like I am truly a supply and demand guy. Oh wow. 21 million. And you guys have lost four. You lost 4 million coins. Oh, how’d you lose the 4 million? You lost the 4 million. I know how you lost it. You mispriced it. Bitcoin has been mispriced every day. Its entire history. Dude. 19 million coins have been issued. The addressable market is 8 billion people. You don’t need ’em all. Yep. You just need a small function of those 8 billion to go, Ooh. 21 million units and and four have been lost. It’s already mispriced. Okay. They’re pricing Bitcoin at one 15 Today, assuming there’s 21 million units, we know there’s not. There’s 17, so the supply shrunk. The market caps at 2 trillion. Hello. The standard deduction for a household is now, uh, what in a low 32,000 range. And it turns out that 60% of the households in the United States cannot take advantage of itemized deductions. That is when they take their mortgage interest, property taxes, charitable deductions, they don’t get that number. And so there’s not as much benefit to home ownership as there used to be in the United States. With our big institutional players, nobody wants their appraised values to be quickly marked down to market, because if your competitors don’t do the same thing and they’re part of the index and benchmark that you compete against, you’re going to underperform. And so we’ve traditionally had a lot. Appraised values for real estate among the institutional players, especially. You don’t get this out of the private market, but you get this from the nare players, the institutional type players, and, um, and everybody’s, uh, uh, fearful of underperforming that index. I would prefer as a private investor just to go ahead, bite the bullet and mark it down. Now take the pain if in fact you’ve seen it go down. Some markets have seen property values go down 30, 35% even in multifamily, but they’ve bottomed out in the transaction market and, and absolutely the, uh, the appraisers are gonna have to bring it down and the owners are gonna have to ease up that pressure and say, yes, I want a realistic appraisal. But, um, but there is that fear of underperforming the index and that’s. What’s holding up the American appraisal firms in 2008, 9, 10, 11, we saw a lot of deep distress. The the smart money was ready for it. Now, there’s a lot of people with dry powder, as we say. Ready to p on the market hoping for some distress from those who cannot refinance now, whose, whose CMBS loan or other money is, is rolling. A couple points there. One is, I think you’re going to see more loan modifications this cycle than last time because they realize it’s temporary and they realize that not all properties are in trouble. And these tend to be the higher leverage properties. The smart private wealth investors tended to use conservative leverage over the last several years knowing we’d hit a cycle and, and they probably are 65% or less. Leverage some of the, um, greener newer investment managers might have gone up to 80% and might have even used variable rate debt when they shouldn’t have. They’re the ones getting nailed. They’re losing all their equity and that property is distressed. So there’s not that much of it out there. But there’s a little bit, and I would certainly pounce on it if you can find it. There are often a lot of sort of hidden costs associated with buying versus renting. Can you talk about trying to weed through some of that? Sure some of the highest costs that we don’t think about when we own, although we do take cut down on risk. And also I think that’s come back to consumption. I, I is the fact that there’s the opportunity cost. So think about having 50%, a hundred percent of your home paid for. This, it’s the opportunity cost. You’ve actually taken capital out of play at higher returns to put it into something that perhaps, yes, you see it as a form of an investment, but it’s also partly consumption. And I think that’s why many people end up paying for their homes when they can, because there’s an old saying, and that is, you can’t go broke if you don’t owe money on it. Right? So if you, it’s hard for the lender to come get your home and you don’t really care, right? You wanna be able to. Have no debt on your home. It doesn’t make the typical financial sense if we argue at it from leverage and returns and maximization of returns. I think most people this high end level are looking at, you know, I, I, I, I have high net worth. I’m looking at both consumption and the investment side of the component. But very often the consumption wins and the investment is I can be safe and I can own this house. Outright in many states too. Your homeowner, the home that you live in, you are actually, if you’ve homesteaded the home, you’re actually protected against lawsuits and other things that are out there. Divorce cases will protect your position in, in terms of a homestead, so you can protect a significant portion of wealth by having a paid for home. What are some of those markets that are really overpriced versus. I guess underpriced right now. So when we look at the top 10 most overpriced markets in America right now, we look at their prices, where they are and compare them to where they should be statistically modeling them. We’re seeing the most overpriced markets are Detroit at 33.5% and then falling, falling, descending. Order of Cleveland, Ohio. New Haven, Connecticut, Akron, Ohio, Worcester, Massachusetts, Las Vegas, Nevada, Hartford, Connecticut. Rochester, New York, Knoxville, Tennessee, Toledo, Ohio. You’ll notice. And these are overpriced. These are overpriced. These, the overpriced mark. That’s so, that’s sort of counterintuitive, isn’t it? Ab absolutely. But yes. Wow. Okay. And then h how about the, uh, underpriced markets? I’m curious on that too. Sure. So when we then go to the opposite end of the spectrum, and usually now with underpriced comes risk and there’s risk in both of these markets, what you wanna do, both overpriced and underpriced, what you wanna be long term in a housing market. Uh, ’cause you want to be really close to that trend and not have these dramatic swings. It’s just like stock price. We don’t like volatility. Housing, it’s, it’s dangerous for performance. The most underpriced markets. We only have four markets in America right now that are trading at a discount relative to their long-term pricing trend. In other words, statistically, where they historically prices say prices should be today only four cities are underperforming. That that’s Austin, Texas at 3.1% below where they should be, or a discount of 3.1%. San Francisco at a discount of 6.5%. Wow. New Orleans, Louisiana at a discount of 8.7 and Honolulu, Hawaii at a discount of 10.3. Notice I’m not saying these markets are inexpensive. They’re just below where they’ve historically been. These are the best buys right now because they’re below their long-term trend. One of our other indices, we call it our price to rent ratio. It’s really a PE ratio for rents versus home ownership. And then so we can look at that. So if you’re in our a hundred markets, we know the average price, right? So it’s gonna be priced, divided by the annual average rent. So it’s gonna be how many dollars in price do you pay for every $1 and annual rent? And that gives us the relative difference between owning and renting. The higher that ratio. The, the more you should on in general be leaning towards renting, the lower that ratio, the more you should be leaning towards owning. And we used to do an old buy versus rent index for 23 cities. We now do it for 100 cities. And this price to rent ratio produces almost the same exact answer. So when we look at the average price to rent ratio in an area and we just compare, are they above or currently are you above the price to rent ratio? Uh, for Los Angeles, California. Are you below it? If you’re above that average for say the last 10 years, you’re gonna be rent friendly. If you’re below it, you’re gonna be bio friendly. I can do this very quickly. Pick a California market you’d like to know about. Why don’t we try Dallas, Texas. Okay. Dallas, Texas. That one’s in the top 100 in terms of population. So Dallas, Texas, uh, their price to rent ratio is at about a, just below a 6% premium. In other words, that trade off between renting and owning is about 6% above where it should be, so it slightly favors renting. I’ll jump to the next index. If we look at actual prices in Dallas, there’s a slight premium. So it’s, it’s, it’s telling me, Hey, that my price to rent ratio’s high, slightly favoring ownership, but it’s probably because prices are a little high and they might change. Uh, Dallas has had a bit of a. Premium right now. So I will now go look at Dallas rents. My gut feeling is they’re gonna be below average and they are. They’re at about a 4.5% discount. So that’s just market dynamics in motion right there. And we can do that for a hundred cities pretty quickly. Mm-hmm. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties, now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Good news. If you need to catch up on retirement, check out a program. M put off by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed it and uh, once again. Thanks again for listening. Uh, I truly appreciate your support. I hope, uh, I hope it’s been entertaining for you and that you’ll learn something along the way and, um, you know, always appreciate your feedback. Shoot me an email, bucket wealth formula.com. Let me know if there’s things that you want me to do. Let me know if there’s things you wanna hear more about. Uh, but hopefully it’s gonna be a good year and we’re gonna keep plugging away talking about the, you know, try to get educated myself and pass along information to you on Wealth Formula Podcast. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit well formula roadmap.com.

Check it out before you throw it out! Brian Hoogeveen, The Cash Man from Americash Jewelry & Coin Buyers, joins Jon Hansen to discuss items that could be worth money. Brian talks about class rings, silver, and gold, plus he answers listener questions. If you think you have items you'd like to have appraised, visit topcashbuyer.com or call (630) 969-9600. To […]

The "Competency Rule" comes up a lot, but what is it? What does it mean to be geographically or assignment competent? Tim Andersen, The Appraiser's Advocate, joins Dustin to discuss. SUBSCRIBE: https://dustin-harris.mykajabi.com/newsletters/2147763779/subscribe

Mike sits down with investors to try and get the podcast a much-needed cash injection. Watch on YouTube: https://youtu.be/aouMnCmgNcE Become a member on Patreon or YouTube and get an extra episode every week for only $5 a month: https://patreon.com/recinetime

Lisa and Amy are back after a brief hiatus to discuss the difference between market value and appraised value!

When a property appraisal comes in lower than the agreed-upon purchase price, it can complicate financing for the buyer. Here's what typically happens for FHA, Conventional, and VA mortgages:1. FHA MortgagesImpact of a Low Appraisal: The loan amount is limited to the lower of the purchase price or the appraised value. A low appraisal means the buyer must:Renegotiate the purchase price with the seller.Pay the difference in cash.Walk away if the contract allows it.Required Repairs: FHA appraisals assess both value and property condition. If issues arise (e.g., safety concerns), the seller or buyer must make repairs before closing.Appraisal Stays with the Property: FHA appraisals are tied to the property for 120 days. If a different FHA buyer comes along within that period, they inherit the appraisal value.2. Conventional MortgagesImpact of a Low Appraisal: Conventional loans also limit the loan amount to the appraised value. If the appraisal is low, the buyer must:Negotiate a lower price with the seller.Increase their down payment to cover the gap.Cancel the deal if allowed by a financing contingency.Appraisal Appeal or Second Appraisal: Buyers or lenders can challenge the appraisal or request another one if there's evidence the appraisal was inaccurate.More Flexibility: Conventional loans often have fewer property condition requirements than FHA or VA loans, so the appraisal focuses more on market value.3. VA MortgagesImpact of a Low Appraisal: VA loans use a Notice of Value (NOV) to determine the property's worth. If the NOV is lower than the purchase price, options include:Negotiating a price reduction with the seller.Paying the difference in cash.Requesting a "Reconsideration of Value" (ROV) through the VA if there's a strong case for higher value.VA Escape Clause: VA loans include a clause allowing buyers to walk away if the property appraises lower than the purchase price without forfeiting their earnest money deposit.Minimum Property Requirements (MPRs): If the property doesn't meet VA MPRs, repairs are required before closing.General Buyer Options in Case of a Low Appraisal:Renegotiate Price: Sellers may agree to lower the price to match the appraisal.Bring Extra Cash: Buyers can cover the gap out-of-pocket.Challenge the Appraisal: Provide additional data to support a higher value.Walk Away: Utilize financing or appraisal contingencies to exit the deal.Would you like more details on how to handle a specific type of mortgage?tune in and learn at https://www.ddamortgage.com/blogdidier malagies nmls#212566dda mortgage nmls#324329 Support the show

On Monday, 7 October, Nicholas Canny MRIA delivered this lecture as part of the Dublin Festival of History in the Royal Irish Academy. Spenser's View has, for centuries, been treated variously as a trove of prejudiced antiquarian lore useful for disparaging Irish people at moments of crisis, and as a store house of evidence that the English government engaged upon an Irish genocide in Elizabethan times. This lecture by Nicolas Canny, MRIA, offers a radical re-appraisal of the manuscript copy that Spenser left to posterity in 1596, and asks what motivated Spenser to take time from poetic composition to write this prose dialogue, what circumstances influenced his composition of different passages, and what sources and methods he used to underpin the ideas advanced by his interlocutors?

Are you ready to uncover a hidden opportunity in today's wild real estate market? Over half of the homes sold this year appraised for more than their sale price, creating a unique chance for savvy investors to gain instant equity, secure better financing, and negotiate unbeatable deals. Join us as we dive into an investor's story, where they turned a $20,000 appraisal gap into her next big win. Discover how you can leverage this surprising trend to your advantage and maximize your real estate investments. Learn more about your ad choices. Visit megaphone.fm/adchoices

A luxury 24-acre estate with six houses and 22 garage parking spaces may not meet most people's definition of a parsonage. But the tax code says otherwise—this one Texas home is turning heads after being listed on realtor.com for $15 million. Located in a Houston suburb, the property is the home of Bishop I.V. Hilliard and his wife, Pastor Bridget Hilliard. It belongs to New Light Church (also known as New Light Christian Center Church), a multi-site, Word of Faith megachurch that the Hilliards founded in 1984.    The listing says the compound “boasts a lake stocked with trophy bass, a magazine worthy primary estate, five junior estates, a resort style pool with cabanas,” an office complex with a fitness center, and an owners' suite with a 25-foot high ceiling, and its own private exercise room and jacuzzi tub. Other features include two wet bars, a banquet hall, a home theater, a hair salon, and a commercial-grade kitchen. Appraised in 2023 at $7,966,887, the property would have incurred an estimated $152,168 in annual property taxes. But thanks to the parsonage tax exemption, the Hilliards and their church enjoy a tax liability most homeowners in their 28,000-member congregation can only dream of: zero. According to The Christian Post, in 2021 an attorney representing New Light Church told the Houston Chronicle the tax exemption was justified because the estate is used as a minister's retreat and conference center.  However, this is not the first time the Hilliards, who teach a form of the so-called Prosperity Gospel, have made headlines for their lavish lifestyle and use of church donations.  In 2013, Bishop Hilliard, who has an estimated net worth of $22 million, sparked criticism with a fundraiser mailing that asked supporters to donate $52 each to replace the blades of his helicopter. "I heard that still small voice of the Holy Spirit say 'tell your special partners who have special transportation needs' and their obedience will release favor for their needs and desires,” the letter read. "I believe with all my heart this message is for you and your doing something today is the key to releasing this favor on your transportation situation! Send me the transportation need or dream you have by completing the online petition when you sow a $52.00 transportation favor seed believing in 52 days or 52 weeks you will experience breakthrough favor!"  Hilliard defended the letter, stressing the importance of the helicopter for serving the church's six campuses and denying he had made any “bogus claims, prophecies or guarantees promising the donor will receive their dream mode of transportation in 52 days or 52 weeks.” But one vocal critic, Pastor Saiko Woods of the now defunct His Word, His Way Fellowship Church in Sugar Land, Texas, argued, “I've seen this man's home. I've seen where he lives. You can't tell me you don't have $50,000 you can pay out of your own pocket.” As to why the parsonage has been put on the market, no statement has been released. New Light Church Parsonage / Realtor.com In 2018, Bishop Hilliard passed the mantle of senior pastor to his daughter Irishea Hilliard, who lives across the street from him in a home valued at $4.7 million. Another daughter, Tiny Hilliard Egan, lives across the street in a house valued at about $4.15 million. A third daughter, Kermeshea Hilliard Evans, is estranged from the family and wrote a memoir, Going to Church to Catch Hell, about growing up in the ministry. According to New Light's website, Bishop Hilliard and his wife continue to be active in the church, pursuing “passion projects” including Hilliard Faith University, Love City and B's Girls. The bishop's Facebook page indicates that he continues to do frequent speaking engagements, such as the recent Adventurous Faith seminar. New Light Church was once named by Church Report magazine as one of America's 50 most influential churches.

  Check out this episode wherever you like to listen or watch podcasts! Episode Page: https://vinneychopra.com/podcast/ Youtube Part 1: https://youtu.be/N77jS3etOuY Youtube Part 2: https://youtu.be/YUAYPyYjBWc Spotify: https://spoti.fi/423B4fz iTunes: https://apple.co/3tQ9Tsf   —— To learn more about how Vinney can help you, click here - https://linktr.ee/VinneySmileChopra   Smile Always and Be Happy!   -----  

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These Join us every week as Patty Wilson & Scott CowartTalk passionately about the ever-changing real estate market!It's House Talk with a Happy Ending!www.jointhebrokerage.com - get your license with the US! Patty has partnered with Moseley Real Estate and offers real estate courses in person! Are you ready for your Florida Brokers license? We offer pre-licensing for Brokers!Executive Producer:Greg TishMusic by: 9-5 - Dolly PartonLove Is Alive - Gary WrightI Love The Nightlife - Alicia BridgesLet Your Love Flow - The Bellamy BrothersShe's a Bad Mama Jama - Carl CarltonHalftime (Stand UP and Get...)Ying Yang Twins, HomebwoiSomebody's Knockin'Good Day - Nappy Roots Get bonus content on Patreon Become a member at https://plus.acast.com/s/pattysplayhouse https://plus.acast.com/s/pattysplayhouse. Hosted on Acast. See acast.com/privacy for more information.

In recent years, Rav Asher Weiss published a landmark responsum (Minchas Asher 2:134) in which he issued signifcant halachic dispensations for one undergoing therapy for O.C.D. In this epsiode, we bring on Rabbi Dr. Saul Haimoff, a rabbi and clinical psychologist, to assess the metzius, the facts on the ground. To purchase his book, the Handbook of Torah and Mental Health, click here:https://www.amazon.com/Handbook-Torah-Mental-Health-Rosmarin/dp/1946351849

Zero To Diamond is a social media platform and free coaching program for real estate agents Mission statement: To reduce the failure rate in the real estate industry one agent at a time 1,000's of agents worldwide have doubled and tripled their business I am here to help you so DM on IG anytime: rickycarruth Join the movement: https://zerotodiamond.com

These Join us every week as Patty Wilson & Scott CowartTalk passionately about the ever-changing real estate market!It's House Talk with a Happy Ending!www.jointhebrokerage.com - get your license with the US! Patty has partnered with Moseley Real Estate and offers real estate courses in person! Are you ready for your Florida Brokers license? We offer pre-licensing for Brokers!Executive Producer:Greg TishMusic by: 9-5 - Dolly PartonLove Is Alive - Gary WrightI Love The Nightlife - Alicia BridgesLet Your Love Flow - The Bellamy BrothersShe's a Bad Mama Jama - Carl CarltonHalftime (Stand UP and Get...)Ying Yang Twins, HomebwoiSomebody's Knockin'Good Day - Nappy Roots Get bonus content on Patreon Become a member at https://plus.acast.com/s/pattysplayhouse https://plus.acast.com/s/pattysplayhouse. Hosted on Acast. See acast.com/privacy for more information.

Investors are being told that if they want to get into the rental real estate business, they should buy a rental property above the appraised value. There are companies out there preying on investors by selling properties at a premium, retaining a percentage ownership, and charging for coaching or membership. This is a horrible idea, and on this episode I'm going to tell you why. On this episode of Investing in Real Estate, you're going to learn why you should never buy a rental property above the appraised value. I'll also share some red flags to look for when you're teaming up with a real estate company. Click play to hear my thoughts!

Gold ingots, retrieved from the ocean floor and appraised on America's favorite antiques show back in 1999 are now the subject of an international investigation. Apparently, which part of the ocean floor is a pretty big deal… Join host Adam Monahan to find out where these gold bars reside today!

If you're about to list your home for sale, you may be thinking about getting it appraised first.  In this podcast, Ryan discusses several reasons why it's a good idea to get your home appraised before listing it for sale. Be sure & listen all the way to the end for a little surprise from Ryan! The Appraisal Cast is sponsored by The Guide To Appraisals series of E-Books: The Loan Officer's Guide to Appraisals The Realtor's Guide to Appraisals The Homeowner's Guide to Appraisals Check them out here:  https://riverfrontappraisals.com/guides/

Today, Dawn explains the difference between the Central Appraisal District's appraised value and appraisal cap.

May 15 is the last day property owners can file a protest of their tax appraisals. Property tax valuations have been mailed by appraisal districts across Texas, and many property owners are finding their appraised values have gone up significantly. If you aren't satisfied with the appraised value assigned to your home or business property — or if there are errors about your property in the appraisal records — you can file a “notice of protest” with the Appraisal Review Board (ARB). These can be filed in person, by mail, or electronically; the deadline to file a protest is Monday,...Article Link

It is the dream scenario on GBH's Antiques Roadshow: your object is appraised for more than you ever imagined. But when that object is a beloved family treasure, do you keep or sell? This hypothetical becomes a reality for Theresa after she learns that her inherited New Orleans Art Pottery jardinière, which she personally kept safe during Hurricane Katrina, is worth thousands. Theresa joins host Adam Monahan as she shares her post-show journey and reveals her ultimate decision. 

In this Laundry Session, Shyni and her boo thang Kimmah discuss a very important topic and more: Have you had your nigga appraised? How often do you do it? Do you do it together? In every relationship, we must consider if our partner is meeting most and/or all of our needs. Are we appraising ourselves? What are the basics? HelpMATE vs. HelpWEIGHT? How much reassurance is needed? It's chaotic but funny, let's sort is all out!! Support your host at www.lipsticklaundry.com for merch! "Drop your drawers" at thelipsticklaundrypodcast@gmail.com. Follow Shyni on IG and FB: @lipsticklaundrypodcast; Twitter: LipLaundry. --- Support this podcast: https://anchor.fm/lipstick-laundry/support

Get your Guide to Appraisals E-Book here: https://riverfrontappraisals.com/guides/

[Reverse Mortgage Daily] Does a $1 million HECM limit cut into private reverse mortgages? [Reverse Mortgage Daily] Draft FHA appraisal policy would give HECM applicants more choices when seeking the reconsideration of their home's appraised value [Forbes] The S&P 500 Lost More Than 18% In 2022: Should Retirees Be Worried?

With the holiday-cooking hurricane behind them—for now!—Dave and Chris take stock of how they weathered the storm. Appraised in the post-mortem: Dave's pie-making grade, how to make a turkey drink water, quadruple-decker puff pastry, bear-fat apple pie, the Josh Skenes potluck shock wave, 'Scarface'-ing the kitchen, forgetting your homemade feuilletine, guest list–cut day, Shandong chicken, Norman Rockwell meets Mama Chang, pancake revelations, and the excruciating beauty of brutal food honesty. Hosts: Dave Chang and Chris Ying Producers: Sasha Ashall and Jordan Bass Learn more about your ad choices. Visit podcastchoices.com/adchoices

Kathy Helbig with some tips about working with an appraiser, especially with a changing market. Begin your experience now: https://www.experience-re.com/

Here are tips on getting more money for your home appraisal! Please be sure to like, comment and share! Got a real estate question? Share it in the comments below! Subscribe to Jason's YouTube channel: https://www.youtube.com/c/ItsAllAboutTheRealEstate Check out other episodes of The AskJasonGelios Real Estate Show Here: https://www.youtube.com/watch?v=MU7f-6MnAvo&list=PLiRVzHeT4hfc_zObdgb2_hpwyIj8qsej0 Follow on FB: https://www.facebook.com/jasongeliosrealtor/ In the press: https://www.itsallabouttherealestate.com/press.html Purchase Jason's real estate book: THINK LIKE A REALTOR® here: Amazon: https://www.amazon.com/Think-like-REALTOR%C2%AE-selling-residential/dp/0578448866/ref=sr_1_2?keywords=Think+like+a+realtor&qid=1559215969&s=gateway&sr=8-2 Barnes And Nobles Online: https://www.barnesandnoble.com/w/think-like-a-realtor-jason-gelios/1131000728?ean=9780578448862 Indiebound.org: https://www.indiebound.org/book/9780578448862 Signed real estate book copy requests: ItsAllAboutTheRealEstate.com Hire Jason Gelios At ItsAllAboutTheRealEstate.com Subscribe to VALUE PACKED Free e-newsletter here: https://www.itsallabouttherealestate.com/connect-with-jason-gelios.html Broker Disclosure: https://www.itsallabouttherealestate.com/connect-with-jason-gelios.html About Jason Gelios REALTOR® Jason Gelios is an award winning top producing REALTOR® in Southeast Michigan, Author of the real estate book ‘Think Like a REALTOR®: A little book about buying and selling residential real estate through the eyes of a REALTOR®, creator of The AskJasonGelios Real Estate Show, and an Expert Media Contributor of real estate expertise to outlets such as Money, Yahoo, Realtor.com, Bankrate and more. Jason educates aspiring home buyers, sellers and existing home owner's tips and real world knowledge to help achieve their real estate goals. Jason is also a local speaker educating home buyers on the process of purchasing a home. He is known for his transparent and honest way of representing buyers and sellers so that they have a deeper understanding of the process and walk away feeling valued.

Craquelure, brushstrokes, stamps, watermarks, patina… specialists — representing ranging from Old Masters to Prints and Multiples — reveal what exactly they're looking for, and why. --- Send in a voice message: https://anchor.fm/museofredfriedrich/message

Redlining still in full effect august 2022 --- Send in a voice message: https://anchor.fm/musingsofadivinefeminine/message Support this podcast: https://anchor.fm/musingsofadivinefeminine/support

This week on Appraiser Talk, Amy and Lisa tackle a personal property question regarding how an appraiser quotes their appraisal fee.

Luke Leissner, known locally in North Texas as "The Gun Guy", is a long time business owner and firearm expert. He runs not only a firearm appraisal company, but also a gun safety program. Luke has a passion for firearms and firearm safety. A strong supporter of the second amendment, Luke grew up hunting, fishing, and shooting guns with his family. This lifestyle heavily influenced Luke's passion for the outdoors and firearm safety. To find Luke and get involved in his program visit: https://whatismygunworth.com/ To learn more about Master Networks and how you can build a legacy beyond the business visit www.masternetworks.com

Welcome to the daily nugget, daily property insights across New Zealand, 7 days a week. 1 question, 20 minutes or less. Today's topic: One Real Estate Agent has appraised my property for a million, the other $800,000, who do I believe? Hosted by Lawrence Lotze and joined by Tom Rawson. For any details around Tom please head over to his website: www.tomrawson.co.nz

Archeologists have completed the ground-penetrating radar phase of the study at the site of the Pius X Mission School, now used as a municipal RV park in Skagway. The community-run health clinic's building and land have been assessed at $9.5 million for the potential sale to Southeast Alaska Regional Health Consortium, there will be a […] The post Skagway's Dahl Clinic gets appraised, ground-penetrating radar at mission school site wraps first appeared on KHNS Radio | KHNS FM.

Once Charles recovers from the desperate last-gasp action for Leeds United, Graham explores the somewhat confusing world of Yes as the Steve Howe-led prog rock band play York Barbican on June 22. After a hasty reassessment of Fontaines DC's third album, Skinty Fia, he takes a look afresh at Francis Ford Coppola's hugely influential 1983 teen movie Rumble Fish. Charles reviews the touring revival of Harold Pinter's bleak 1965 comedy The Homecoming at York Theatre Royal and Graham finishes with an update on his upcoming Charm gig with Karl Culley at Harrogate Theatre.

Today on Lloyd Goes Local, Lloyd heads to Kerikeri, where the local Hospice is running its own version of Antiques Roadshow as part of their weekend-long Antiques and Collectibles Fair. He's joined by Hospice Mid-Northland CEO Belinda Watkins. See omnystudio.com/listener for privacy information.

This week, Rachele and Cassandra unpack property values: SEV, Taxable Value, Appraised value, CMA value, the list goes on - and get into why none of these estimates are correct, but they are all accurate, with special guest Trena Urban, a residential appraiser with the City of Southfield.YOU KNOW We'll break it down for you.SO MANY QUESTIONS YOU DIDN'T EVEN KNOW TO WORRY ABOUT!!!Join us!Don't worry, Cassandra and I will over-explain everything & we'll take your questions - Post in the comments and we'll do our best to answer!Welcome to the AgentRx & CEO Lender Show.Rachele Evers Contacts:Website: https://therachele.kw.com/FB: @AgentRacheleIG: @agentracheleLN: https://www.linkedin.com/company/76600293/Phone: 810-923-5421Cassandra Evers Contacts:Website: www.ceolender.comFB: https://www.facebook.com/ceolenderEmail: cassandra@ceolender.comPhone: 269-207-2193  Guest LinksLearn more about Trena here! 

In the second hour of "Connections with Evan Dawson" on Wednesday, March 16, 2022, guests discuss why Black-owned homes are under-appraised.

On JoCo on the Go, episode #128, hear from Johnson County Appraiser Beau Boisvert about the 2022 property assessments. Homeowners will soon receive their Notice of Appraised Value. Find out which areas in the county are seeing increases in their property values and by how much. We'll also talk about commercial property values and how those have been impacted by the ongoing pandemic.

'sup, just thinking...yes burn candle on end of ending modern-day redlining practices...but in the meantime, in between time. maybe a $50-$100 for the hour they sit it during a house appraisal? additional services with checklist of items to remove from home...in the meantime...obviously not intended to be a permanent situation but i don't think we should just sit and take $50,000...$100,000+ hit is undervalued property appraisal estimates just because...we'll see. app would feature virtual pre-appraisal tours: 30 minute walk thru with consultant who will go over list of items to remove from home before appraisal, can schedule 25 minute re-up to double check that you've removed or made corrections each tolken appraisal home-sitter will be trained in how to handle the appraisal visit, including how to present a list of upgrades you have done to the home (if applicable) on-going, blaccent items to remove from home before appraisal hair products and hair accessories (bonnets, afro picks, etc) family pictures drawings (black woman or of black couples or ethnic) figurines rugs w/ ethnic print couch blanket used for decor with ethnic prints pay attention to bed spreads (opt for neutral prints) if you have clothing that is "african attire", use a black trash bag over the handle of the hanger to cover them (appraisers can open closets as a part of the inspection process) remember to check the bathroom (curtain, decor, towels) CD's, DVDS...yep, remember to check entertainment center for visible items that may infer your ethnicity TOYS! put ethnic dolls and toys in a closed toy bin or see...garage box recommendation below Give careful consideration in moving these items to "the garage", plan on boxing items up since appraiser likely will assess garage as well. I'll come back and keep updating this! --- Send in a voice message: https://anchor.fm/musingsofadivinefeminine/message Support this podcast: https://anchor.fm/musingsofadivinefeminine/support

When students on the campus at the University of Pittsburgh are asked about Frosty the Snowman assuming gender, they admit that this could be a problem under current woke rules of sensitivity. Also, with property values skyrocketing everywhere, Leland examines the latest appraisal and assessment of the North Pole home of Santa Claus and all his elves and reindeer.

Let's put in a pool. Remodel the kitchen. Upgrade the bathroom hardware. Throughout the pandemic especially, people have been putting in some serious elbow grease into home renovation--but how much does this make a difference when selling a house? In this episode, host Maiclaire Bolton Smith is joined by the Appraiser Coach, Dustin Harris. He discusses the value of truth, the impact of appraisal bias and reveals the secret to increasing the appraised value of a home.

Bob Rose returns to the show to continue the conversation about Zack Snyder that began with Snyder's Man of Steel, Dawn of Justice, and the Justice League Snydercut. Army of the Dead is a spirtual companion to Snyder's Dawn of the Dead from 2004 - written by James Gunn. SUBSCRIBE TO Bob Rose - https://www.youtube.com/user/snlfarley SUBSCRIBE TO Thundergrunt - https://www.youtube.com/channel/UCdvZsTd5gfA-P8Q6fI47jbQ WAYS TO SUPPORT: If ya feel like supporting this channel by buying me a cup of coffee, you can right here! https://ko-fi.com/frumessfilmsllc JOIN THE PATREON FOR LESS THAN 2 BUCKS: LESS THAN A CUP OF COFFEE!! - https://www.patreon.com/Frumess FOR THE VIDEO GO TO: www.youtube.com/c/FrumessFilmsLLC Misfits fans are the Star Wars nerds of the music world... Filmmaker and Podcaster Jeff Frumess revels in all things that are pop culture, ESPECIALLY Misfits, Samhain, Danzig as he scrutinizes over the history and minutiae of Glenn Danzig, Jerry Only, Doyle Wolfgang Von Frankenstein, and other's artistic endeavors as well as all things adjacent. PLEASE NOTE: This podcast IS SOURCED from the UNEDITED audio created from video live podcast streams from the Frumess channel on youtube and comes from the Streaming eviLIVE Show. Something that will change in the future. https://linktr.ee/FRUMESS --- Support this podcast: https://anchor.fm/frumess/support

Market value. Replacement value. Reconstruction value. Assessed value. Appraised value. The real estate ecosystem is filled with hundreds of similar-sounding names, with similar-sounding purposes, and even seasoned professionals get them confused. In this episode, Core Conversations host Maiclaire Bolton Smith chats with valuations expert Sherrie Clevenger to get to the bottom of this matter: what do all of these values mean? And how do we ensure they're accurate?

#015 - Let's talk about real estate appraisals! Should you hire an appraiser before you sell your home? What are the issues regarding home appraisals? In this episode John reveals some inside information about the data that is used by appraisers when a valuation is given on a property. https://www.innovativeproperties.com/should-you-get-your-home-appraised-before-you-sell/Call in Your Real Estate QuestionsAsk any real estate related questions on my audio voice message hotline.Call 678-288-4181 and voice your question.I'll answer it on a future podcast episode.Subscribe to the Agent On Duty PodcastPlease subscribe to this podcast.Access the Agent On Duty podcast blog show notes to all episodes:https://www.innovativeproperties.com/podcast/Support the show - Buy me a coffee.https://www.buymeacoffee.com/johnmarion

Quality strongman...

You as the appraiser do the right thing: You appraise the subject property for what it is worth. The opinion of market value is less than the sales agreement. A week later the client or AMC asks you to analyze the new sales agreement. How do you handle this? Do you do it or just say no? Keep in mind this new agreement was not in place as of the effective date of the appraisal. Listen in as Bryan provides some guidance on this popular (necessary or unnecessary?) revision request.

The answer is yes, but it comes with a caveat. Listen to make sure you are USPAP Compliant