Podcasts about Arms

Bob Toski is a legend of golf instruction, a member of The PGA Hall of Fame, a former PGA TOUR winner, and still teaching golf at age 95. Arguably the "Father of Modern Instruction" Toski joins Mark Immelman to talk about golf, the golf swing and how you can understand the nature of the swing to build a swing that can stand the test of time. Mr Toski elaborates on: Feeling Your Golf Swing, Controlling the Clubface, Developing Good Contact and Ball-striking, The Function of and Correct Use of the Arms and Hands in the Swing, How the Body Supports the Swing, and  Aiming and Alignment. Learn a little "Old-school" yet timeless wisdom guaranteed to improve your golf-swing.

The Whack Pack are BACK for another episode of the After Hours Podcast, the show where literally ANYTHING goes! It's the After Hours Podcast, on RXMuscle.com.

GUEST ONE: Ralph Blumenthal on the House Intelligence subcommittee which held the first congressional hearing in more than 50 years on unexplained aerial phenomena which occurred on this day, GUEST TWO: Sean Cahill, continuing on the topic and much more, Sean is a Retired U.S. Navy Chief Master-at-Arms that was aboard the USS Princeton during the 2004 Tic-Tac UFO encounters, which he goes into details about, plus some past UFO encounters.Show Notes

Sponsors: Primary Arms frn.deals/pa Patriot Patch Co https://patriotpatch.co/ https://vzgrips.com/ code: AR15PODCAST https://www.avantlink.com/click.php?tt=cl&merchant_id=96ad39a2-95fb-4693-bdf1-5a90cfb6df08&website_id=3e1f7298-d3b2-48ee-ac01-7116fc8e1857&url=http%3A%2F%2Ffaxonfirearms.com – Faxon Firearms affiliate link https://www.avantlink.com/click.php?tt=ml&ti=689713&pw=304901 – Palmetto State Armory affiliate link https://www.avantlink.com/click.php?tt=cl&merchant_id=3b3250a4-1c69-4622-aba2-bfa731775635&website_id=3e1f7298-d3b2-48ee-ac01-7116fc8e1857&url=https%3A%2F%2Fmymedic.com%2F – My Medic Affiliate link https://trueshotgunclub.rfrl.co/8wr66 https://trigger-interactive.myshopify.com?aff=7 https://www.valiant-dynamics.com/   Code: AR15 https://ar-15-podcast.creator-spring.com/ Contact us! AR15podcast2.0@gmail.com Intagram:  @ar15podcast2.0 Facebook: https://www.facebook.com/ar15podcast https://www.primaryarms.com/

Sponsors: Primary Arms frn.deals/pa Patriot Patch Co https://patriotpatch.co/ https://vzgrips.com/ code: AR15PODCAST https://www.avantlink.com/click.php?tt=cl&merchant_id=96ad39a2-95fb-4693-bdf1-5a90cfb6df08&website_id=3e1f7298-d3b2-48ee-ac01-7116fc8e1857&url=http%3A%2F%2Ffaxonfirearms.com – Faxon Firearms affiliate link https://www.avantlink.com/click.php?tt=ml&ti=689713&pw=304901 – Palmetto State Armory affiliate link https://www.avantlink.com/click.php?tt=cl&merchant_id=3b3250a4-1c69-4622-aba2-bfa731775635&website_id=3e1f7298-d3b2-48ee-ac01-7116fc8e1857&url=https%3A%2F%2Fmymedic.com%2F – My Medic Affiliate link https://trueshotgunclub.rfrl.co/8wr66 https://trigger-interactive.myshopify.com?aff=7 https://www.valiant-dynamics.com/   Code: AR15 https://ar-15-podcast.creator-spring.com/ Contact us! AR15podcast2.0@gmail.com Intagram:  @ar15podcast2.0 Facebook: https://www.facebook.com/ar15podcast https://www.primaryarms.com/

In this episode I talk to my buddy Josh Salzmann about his career as a personal trainer and life coach-guru to high profile clients including actors, athletes and arms dealers.  

This is The Briefing, a daily analysis of news and events from a Christian worldview. PART I (8:39 - 8:39) Aggression Breeds Fear of Greater Aggression: Russia's War with Ukraine Pushes Finland and Sweden into the Arms of NATO How Putin Drove Finland Into NATO's Arms by Wall Street Journal (Sune Engel Rasmussen) PART II (12:39 - 12:39) The Fog of the U.S. Proxy War with Russia: Understanding the Logic—And Risk—of Increased U.S. Aid to Ukraine PART III (20:18 - 20:18) Gerontocracy—Lurking Behind the Baby Formula Crisis in the U.S. The Baby Formula Crisis by New York Times (David Leonhardt) PART IV (25:19 - 25:19) $125B in Four Years: How Legal Sports Betting Has Turned Many States into Functional Casinos Americans Bet $125B on Sports in 4 Years Since Legalization by Associated Press (Wayne Perry) Sign up to receive The Briefing in your inbox every weekday morning. Follow Dr. Mohler: Twitter | Instagram | Facebook | YouTube For more information on The Southern Baptist Theological Seminary, go to sbts.edu. For more information on Boyce College, just go to BoyceCollege.com. To write Dr. Mohler or submit a question for The Mailbox, go here.

➢ DM us "Summer Special" on IG @ColossusFit to learn more about coaching  (5 spots)➢ Follow our IG for weekly giveaways: https://www.instagram.com/colossusfit/Welcome to Motivation Monday, where every Monday we answer all of your questions and have some real talks about life & fitness & get you fired up for the week! In this episode we talk about how to tone your arms, our thoughts on crossfit & best journaling tips for more happiness. (0:00) - Intro(0:50) - Josh quote: "You make a life out of what you have, not what you're missing." - Kate Morton(1:34) - Kyle quote: Mindset is what separates the best from the rest.(3:45) - Weekly thoughts/recommendations(13:10) - Client shoutout: Elvia(16:50) - Question 1- I've always wanted to journal, but struggle with knowing where to start or what to write. Any tips?(24:10) Question 2- I can't seem to get rid of the fat in my underarm area, what exercises do you suggest to help me with that?(28:05) - Question 3- Thoughts on CrossFit? Came across Mal O'Brien a CrossFit champion and was completely blown away with the style of exercise they do. Just curious how you all as trainers feel about itThanks for listening! We genuinely appreciate every single one of you listening.➢Join our exclusive FREE facebook group: https://bit.ly/3snmT26➢Follow us on instagram @colossusfit➢Apply to get your Polished Physique: https://colossusfitness.com/Support the show

Adonis Arms joins the show to discuss his incredible basketball journey. He stories his unlikely rise from scoring two points per game in high school to community college to multiple D1 programs. Arms breaks down his past, who he is as a player, and what he's doing to achieve his dream of playing in the NBA.

“I think I can…I think I can…I know I can.” In this episode, I share some highlights from the recently updated “Air Force little blue and brown books.” These foundational publications are a must-read for every Airman, as they provide us insight into how we must hold ourselves and each other accountable to defined principles within the Profession of Arms. ////////// LINKS: Main - http://www.constantelevation.co Facebook - http://www.facebook.com/ConstantElevation.co Instagram - https://www.instagram.com/gaberock01/ (@gaberock01) YouTube - https://www.youtube.com/c/GabrielAvilla --- Support this podcast: https://anchor.fm/constantelevation/support

For our May middle of the month show, John plays host as we chat with Carina and Lee from C&L Wandering. First they tackle our Carousel of Questions, and then we hear about some of their favourite moments from trips to Anaheim, Orlando and Paris, as well as their upcoming journey back to Walt Disney World. It's amazing to hear so many people are heading back since the borders reopened last November. They also share some of their UK adventures, including their work with ‘Camelot Rises' which is definitely for those who like their fun on the scary side. In true Waffle style, we end with a fantastic chat about food and in particular the food availability for Gluten free dining and how that impacts dining planning and your holiday. You can check out their wanderings on their YouTube channel www.youtube.com/c/CLWandering If you want more from The GB Mickey Waffle, you can find us on all the usual socials @GBMickeyWaffle, and do pop into our Facebook community The Wafflers' Arms for a natter. If you enjoyed this episode, feel free to give us a like and a comment, and maybe even leave us a review. And of course, do subscribe so you don't miss any of our waffling. Until the next time… Waffle On!

In this Episode, Karla sits down with WELLA Color Educator, Michelle Arms to discuss the importance of Continuing Education - not only for the Stylist - but for the benefit of the Client.You can reach Michelle at:Sola Salon Studios2058 Stringtown Rd.Grove City, OHwww.MichelleArms.comFacebook: Michelle ArmsInstagram: Michelle.Arms

In this TP Talks episode, Erin March (Transfer Pricing Principal, PwC US), Dennis Tingey (Tax Services Partner, PwC US), and Marco Fiaccadori (Transfer Pricing Principal, PwC US National Tax Services) discuss the R&D capitalization requirements under the new US § 174 regulations, focusing on transfer pricing-related questions and issues, including the definition of amortization under Section 174, primary issues taxpayers are dealing with post-Q1, impact on key U.S. international tax provisions, contract R&D/R&E arrangements, and the interplay of Section 174 capitalization and the cost sharing rules under Section 1.482-7.Support the show

Brass Tacx 8 : WEAPON X RETUNRS! Derik Osland and Scott McNally answer a ton of your listener questions from previous episodes. TIME STAMPS BELOW

Share this episode with a friend who thinks women should only do cardio, or use 2lb dumbbells. The truth is that both men and women need to be lifting weights. We're talking about why in this episode. Interested in working with Blakley or one of our women coaches? Apply for coaching www.digitalbarbell.com/contact-us Download our FREE 5-Week workout program "Arms, Abs, A... You know the rest": www.digitalbarbell.com/armsandabs

WORD

The country is breaking a long tradition of refusing to export arms to war zones.

Do you like traveling by plane? Here's a video on how to get certain upgrades when you're flying. You'll learn an algorithm that can help you get upgraded already at the check-in. Also, I'm gonna tell you how to reserve an extra space seat online and get access to airport lounges. And a tip on how to use armrests on a plane is coming your way! All the top secrets allowing you to have a great flight - gathered in one place. Learn more about your ad choices. Visit megaphone.fm/adchoices

Chicago's Mayor issues a ‘Call to Arms' against the Supreme Court, the Governor of Texas cracks down on Narcotics, Elon Musk says he will reverse Donald Trump's Twitter ban, a new survey ranks the rudest states in the USA. Plus, Bill's Message of the Day, extremism in America. Learn more about your ad choices. Visit megaphone.fm/adchoices

Your 60-second money minute. Today's topic: ARMS Making a Comeback

This episode features a rebroadcast of the Airminded Podcast wherein Lt Col Tyson "Gorilla" Wetzel interviews Dr. Kelly Grieco about the Ukraine air war.  They explore lessons we can and should take from the first month of the conflict.Check out the Airminded Podcast here. Contact Gorilla at airmindedpodcast@gmail.com.Music provided by Carlos Rivera. Follow on Instagram: https://www.instagram.com/carlos_r15/Send inquiries to: carlos.a.rivera15@gmail.comAudio production by Stephan Sanchez.Send inquiries to: steve@transductionpost.comEmail your questions and comments to airforceofficerpodcast@gmail.com. Join the discussion about the podcast, the Air Force, officership, and the Profession of Arms at https://www.airforceofficerpodcast.com/.Facebook: https://www.facebook.com/AirForceOfficerPodcast/Instagram: https://www.instagram.com/airforceofficerpodcast/Twitter: https://twitter.com/afofficerpodReddit: https://www.reddit.com/user/afofficerpodShare your officer stories of all flavors using #shootthewatch.

As we continue our coverage of the political fallout in light of Justice Alito's leaked Supreme Court decision on the future Roe v. Wade, Producer Andrew, filling in for Charlie while he takes a well-deserved vacation, unpacks the latest developments there—including a tweet from Mayor Lori Lightfoot of Chicago that included a 'Call to Arms' for the Gay Community. Next, Andrew is joined by Karol Marcowicz from the New York Post to get her analysis on the current state of the nation when it comes to the next generation. Between schools, masks, and the general hysteria of the past two years, Karol shares her thoughts on what it means for Generation COVID. Finally, they discuss a story she brought to light concerning Governor DeSantis and a Manhattan Museum of Jewish History that you'll be shocked to hear as they conclude this episode.  Support the show: http://www.charliekirk.com/support See omnystudio.com/listener for privacy information.

It's Tuesday and topics tackled today include...President Biden went on the defensive blaming everything and everyone for the current state of the economy as he highlighted efforts to fight inflation and gas prices, as he tries to shift the blame on MAGA Republicans for the economic woe and blaming the pandemic, Putin as leading causes of inflation.; The Spurs won't be moving to Austin anytime soon. San Antonio Spurs owner Peter Holt insists team to stay in San Antonio amid plans to play a few games in Austin, Texas. Do you believe the Spurs assurances that the team is staying in San Antonio?; The White House is saying the country is a serious risk of a nationwide ban on abortion, meanwhile, the homes of Supreme Court Justices are the newest site for protests over abortion access as the White House says Justices shouldn't worry about their personal safety.; Chicago Mayor Lori Lightfoof was slammed by critics for issuing a "Call to Arms" against the US Supreme Court if Roe v. Wade is overturned, saying the LGBTQ community should fear of being next.; Elon Musk says if his deal to acquire Twitter goes through, he would let former President Donald Trump return to the twitter platform and Jack takes your calls on the days News and Hot topics.

Today on TruNews, Chicago Mayor Lori Lightfoot issued a chilling call to arms to political leftists to react to an anticipated US Supreme Court decision to rescind the infamous Roe v. Wade court decision that legalized baby-killing in America. The radical Chicago mayor fears that the court may also rescind its decision to legalize same-sex marriages. The lesbian mayor tweeted, “To my friends in the LGBTQ+ community—the Supreme Court is coming for us next. This moment has to be a call to arms.' Rick Wiles, Doc Burkhart. Airdate 5/10/22.

This episode, Kathy shares her secrets to training arms. She also discusses the smarter way to set goals, starting with mindset. Finally, she explains the value of finding an experienced coach and the difference between training vs working out. Check out her linktree: https://linktr.ee/MyTrainerlive. Follow her on Instagram @classfit_by_kathy_d @yogawithkathyd @mytrainerlive --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Hear from a very accomplished insurance specialist about how he sees regulatory and other trends that are impacting insurance company investments in the US and EU

"Praise the Lord!” the man yelled. “Here comes the authoress!” The man was Pastor D. L. Moody, a well-known teacher an evangelist, and he was introducing one of the most prolific hymn writers in the United States of America, Fanny Crosby. Her hymns had touched and inspired millions who attended his church revival meetings. She only found herself on stage because there was no other seating available, but Moody was delighted to have her there. Fanny was born in Putnam County, New York, in 1820. In infancy she developed a bad cold, causing inflammation in her eyes. A doctor applied mustard plasters, which some thought caused damage, and Fanny lost her sight. At the New York Institution for the Blind, she became a teacher and wrote song lyrics and other poetry. In addition, she had the honor of becoming the first female voice heard publicly in the United States Senate Chamber in Washington, DC. She even read one of her poems there. How awesome is that? In 1858, she married a fellow scholar, Alex Van Alstyne (who was also blind), and they had one child. But when their child died in infancy, Fanny was badly grieved. Her hymn “Safe in the Arms of Jesus” is believed to be the result of that grief. In the lyrics of this beautiful hymn, she expresses how wonderful it is to be close to Jesus, “Safe on His gentle breast / There by His love o'reshadowed / Sweetly my soul shall rest.” She also looks forward to the day Jesus will make all things new, when we will be “Free from the blight of sorrow / Free from my doubt and fears.” How many other suffering parents were comforted by that hymn? Fanny wrote an astounding eight thousand hymns. She gave all credit for her gift of hymn writing to the Lord. She also worked relentlessly to serve people who were impoverished and living in the inner city, most of whom were immigrants. She was an amazing woman for whom things could have turned out so differently. Instead of despair, she chose to draw near to her Lord and Savior. The next time you hear “Blessed Assurance” or “Pass Me Not Oh Gentle Savior,” remember the woman who wrote them, Fanny Crosby. • Susan Sundwall • No matter what your circumstances are, God has given you gifts that are important in His kingdom. What are some ways you can serve Jesus in your context? • Have you ever experienced Jesus's love and closeness through worship music and hymns? Sing a new song to the Lord; let the whole earth sing to the Lord. Psalm 96:1 (CSB)

What We Know and What We Don't KnowSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Matt Miller of ESPN joined 3HL to recap the NFL Draft Class, explain why he likes Roger McCreary, and why he thinks the Titans will be okay without AJ Brown See omnystudio.com/listener for privacy information.

Matt Miller of ESPN joined 3HL to recap the NFL Draft Class, explain why he likes Roger McCreary, and why he thinks the Titans will be okay without AJ Brown See omnystudio.com/listener for privacy information.

Third time's the charm

As Western nations across the globe continue to provide military assistance to Ukraine as it defends itself from a Russia invasion, this past week it was reported that the United States has been providing Ukraine with real-time battlefield intelligence as well. This report could bring context to the reality that Ukrainian forces have recently eliminated major targets including a key Russian warship, Raptor boats as well as about 12 Russian generals. FOX's Eben Brown speaks with National Security Analyst and Fox News Contributor, Dr. Rebecca Grant about how the U.S. is bolstering Ukraine's defense efforts via supply arms, drones and intelligence key to defeating Russian invasion forces. Learn more about your ad choices. Visit megaphone.fm/adchoices

As Western nations across the globe continue to provide military assistance to Ukraine as it defends itself from a Russia invasion, this past week it was reported that the United States has been providing Ukraine with real-time battlefield intelligence as well. This report could bring context to the reality that Ukrainian forces have recently eliminated major targets including a key Russian warship, Raptor boats as well as about 12 Russian generals. FOX's Eben Brown speaks with National Security Analyst and Fox News Contributor, Dr. Rebecca Grant about how the U.S. is bolstering Ukraine's defense efforts via supply arms, drones and intelligence key to defeating Russian invasion forces. Learn more about your ad choices. Visit megaphone.fm/adchoices

In the first of a two-part series, Jason examines the impact of popular YouTube creator Kevin Samuels, the dapper and blunt relationship guru who died Thursday morning inside his Atlanta apartment at age 56. Samuels attracted a massive YouTube and Instagram following dishing harsh dating advice primarily to black women. Jason considered Samuels the “king of the manosphere,” the collection of male content creators who support patriarchal values and oppose the feminist movement. In Friday's Part I, Jason talks with "Fearless" contributors Steve Kim and Shemeka Michelle about Samuel's legacy and somewhat mysterious death. According to media reports, Samuels suffered a heart attack and died in the arms of a woman he met the night before at a bar. News outlets, particularly TMZ, were slow to report the details of Samuels' death. Meanwhile, Samuels' critics celebrated his passing on Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices

The witness was walking in the area between the Ashfield and the old 'Dog Entry' just off Sandy Lane. He was huddled up against the cold and was lighting his cigar when he saw something that he can still remember to this day. He stated he could not put a name to what he saw but that it was dark, hairy and crouched over. As the witness backed off from the almost 'doglike' thing it growled at him, he described the eyes as yellowish and really scary and he made off before the animal approached him further.He has owned dogs all his life, even racing and training greyhounds for over two decades. He said "this was no dog, I have never seen anything like this thing before or since. The way it growled and the size of it was just unreal, I can still see it in my mind to this day. It was the same colour as a dark Alsatian Dog, but much bulkier.

Pull double duty and use this move to light up your biceps and forearms.

In this episode of Quah (Q & A), Sal, Adam & Justin answer Pump Head questions about growing stubborn biceps, whether changing phases is effective because of “muscle confusion,” if it is ok to train to failure if only focusing on a muscle group once a week, and whether bodybuilding is healthy. Mind Pump Fit Tip: Here's a simple tip that will get you leaner and healthier. EAT PROTEIN FIRST! (2:29) Crypto ads are EVERYWHERE! (9:18) People are the currency. (13:21) Why the Supreme Court leak is very scary. (17:28) Should there be warning labels on sugary drinks? (23:44) Caldera Labs is clinically proven to work on ALL skin types! (31:51) Dad life updates with Adam, Justin, and Sal. (38:26) Vuori is your Mother's Day one-stop shop. (41:42) Will movie theaters ever go away? (45:54) #Quah question #1 - Incredibly stubborn bicep and tricep growth despite all other muscle groups improving. Should I target volume or intensity, and are giant sets counterproductive or overworking? (58:42) #Quah question #2 - Does the effectiveness of changing phases for hypotrophy say anything about the truth behind “muscle confusion?” (1:07:10) #Quah question #3 - Is it ok to train to failure if I'm only focusing on a muscle group once a week? (1:15:08) #Quah question #4 - Is bodybuilding healthy? (1:21:10) Related Links/Products Mentioned Visit Caldera Lab for an exclusive offer for Mind Pump listeners! **Code MINDPUMP at checkout** Visit Vuori Clothing for an exclusive offer for Mind Pump listeners! May Promotion: MAPS Starter Bundle and MAPS Spilt 50% off! **Promo code MAYSPECIAL at checkout** Visit NutriSense for the exclusive offer for Mind Pump listeners! **Promo code “MINDPUMP” at checkout** Why do we Need Protein? - Mind Pump Blog Crypto Advertisements Are Everywhere: The Consumer Isn't A Moron Warren Buffet Just Took Another Shot at Bitcoin. What Does He Know That You Don't? Researchers find Amazon uses Alexa voice data to target you with ads YouTube Algorithms Don't Turn Unsuspecting Masses Into Extremists, New Study Suggests Supreme Court says leaked abortion draft is authentic; Roberts orders investigation into leak Warning Labels on Sugary Drinks: Do They Work? Visit Oli Pop for an exclusive offer for Mind Pump listeners! **Promo code MINDPUMP at checkout for 15% off your first order** Caldera Lab clinical trial Preference for watching a movie for the first time at a theater instead of via a streaming service in the United States from November 2018 to June 2020 Visit MASSZYMES by biOptimizers for an exclusive offer for Mind Pump listeners! **Promo code MINDPUMP10 at checkout** Mind Pump #1417: How To Get Stubborn Arms To Grow Mind Pump #1745: How To Pack On Muscle To Your Lagging/Stubborn Body Parts How Phasing Your Workouts Leads to Consistent Plateau Free Workouts – Mind Pump Blog 3 Tips for Better Muscle Growth – Mind Pump Blog Mind Pump #1542: How Bodybuilders Ruined Weight Lifting For Everyone Mind Pump Podcast – YouTube Mind Pump Free Resources People Mentioned Jeremy L. Buendia (@jeremy_buendia)  Instagram Chris Bumstead (@cbum)  Instagram

In this conversation, Jacob and Scott talk about Scott's experience with the current New Mexico wildfires and holding space for beauty within tragedy and heartbreak. The friends share their views on abortion and the cognitive dissonance we can all feel when discussing our convictions regarding controversial topics. How can we stay aligned with compassion when being confronted with the opposing views of others? We don't have to compromise our convictions in order to love people who don't share them. This is the longest episode to date and one of the rawest as well. Scott's May 10th Breathwork Session – Live via Zoom Jacob's Heal + Create Writers' Community Program Launch The Artist's Way Essential Tools workshop with Julia Cameron Scott's BIGGER LOVE substack “The world breaks everyone and afterward many are strong at the broken places. But those that will not break it kills. It kills the very good and the very gentle and the very brave impartially. If you are none of these you can be sure it will kill you too but there will be no special hurry.” ― Ernest Hemingway, A Farewell to Arms

The Real Estate News Brief - Week Ending April 30, 2022; Growing Demand for ARMs, The 7-Year Foreclosure, Top Complaints about NeighborsIn this Real Estate News Brief for the week ending April 30th, 2022... you'll hear about the surging demand for adjustable-rate mortgages, the years it takes to foreclose in some states, and the top reasons people dislike their neighbors.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. Before we start, I want to let you know that we are hosting our first live event in over 2 1/2 years on May 21st in St Petersburg Florida. I'll be there giving my 2022 Housing Update, and we'll also have property teams from 10 different markets to update us on what's going on in their markets and share available income properties. We'll also have a tour of rental properties in St Pete on Sunday and then Jacksonville on Monday. Check it out at newsforinvestors.com Economic NewsWe begin with economic news from this past week, and more concerns about inflation. The Federal Reserve's preferred inflation index rose again in March to an annual rate of 6.6%. That's up from an annual rate of 6.4% in February. But there are signs that inflation may be hitting a peak because the core rate of inflation went down for the first time in a year. The core rate excludes food and energy and decreased from 5.3% to 5.2% in March. The Fed believes the PCE is more accurate than the consumer price index or CPI because it's more comprehensive. (1)Despite all the worries about inflation, the job market is going strong. Initial claims were down 5,000 to just 180,000 last week. Continuing claims were also down to their lowest level since 1970, at approximately 1.41 million. (2)Rising mortgage rates are putting a damper on new home sales. The Census Bureau says that sales dropped 8.6% in March to an annual rate of 763,000. High prices are also discouraging buyers. The median price for a new home was $436,700 in March. That's about $77,000 more than it was in March of last year. (3)Pending home sales for existing homes were also down in March. The National Association of Realtors says they dipped 1.2%. It is predicting that sales will be down a total of 9% for the year. NAR's chief economist Lawrence Yun expects multiple offers to disappear, and calmer, more normal conditions to replace the homebuying frenzy we've been witnessing. (4)Because demand remains high for housing, home prices continue to rise. The S&P CoreLogic Case-Shiller 20-city index was up 2.4% in February. That brought the annual rate up to 20.2%. At a national level, annual home price growth rose to 19.8%. The Federal Housing Finance Agency reported similar results. It shows that home prices rose 19.4% year-over-year in February which was a 2.1% increase from January. (5)There are mixed reports on consumer sentiment. A survey on consumer confidence shows it dipped slightly in April because of inflation. But it also shows that consumers are still spending money on big-ticket items, despite the high prices. (6) Meantime, the University of Michigan's consumer sentiment index jumped higher by several points. Consumers are reportedly happy that gas prices have gone back down a bit, and are feeling more optimistic about the future. (7)Mortgage RatesMortgage rates didn't move much, but the average 30-year fixed-rate mortgage remains above the 5% level. Freddie Mac says it was down just one basis point to 5.1%. The 15-year was up 2 points to 4.4%. (8)In other news making headlines…ARMs In High Demand as Fixed Rates RiseMore home buyers are choosing adjustable-rate loans to keep mortgage payments lower at the beginning of their loan term. The Mortgage Bankers Association says demand for ARMs has “doubled” compared to three months agoThe interest rate for an ARM was 3.78% last week, according to Freddie Mac. The Mortgage Bankers Association says the average rate for a 5-year ARM was 4.28%. Both are lower than the 30-year fixed rate, and that's driving up demand. (9)The Lengthy Process of ForeclosureBuying a foreclosure might get you a great price on a home, but in some places, the length of time it takes to foreclose could eclipse any monetary value. ATTOM Data Solutions published a report on the states with the longest average times to foreclose, and the winner was Hawaii, at 2,578 days. That's a little longer than 7 years. Louisiana, is second on the list with an average of about 2,000 days or 5.5 years. Other states on the top ten list include Kentucky, Nevada, Connecticut, New York, Florida, New Jersey, Pennsylvania, and New Mexico. New Mexico was last on the list but foreclosures there still take more than 3.5 years. (10)At the other end of the spectrum are states with the fastest foreclosure process. Montana came out at the top of that list, at 133 days. Mississippi was second at 146 days, and West Virginia was third at 197 days.What's Up with the Neighbors?The last story I'd like to share with you is a report on the top reasons Americans don't like their neighbors. According to a Lending Tree survey, 28% of the participants said their neighbors “give off a weird vibe.” Other reasons include noise levels, rudeness, disruptive pets, being nosy, and unruly kids. Some people also said they don't like it when their neighbors have guests that park in front of their house, or their parking space. Smoking was listed by 11% of the people. 4% said they had issues with their neighbors' political views, and 3% said they were not happy that their neighbors were using their homes as short-term rentals. (11)It's interesting that so few people listed short-term rentals as a problem, given all the controversy about how much disruption they cause, or don't cause. Of course, it's often the case that people who are disgruntled about an issue will speak out more loudly than the ones who don't mind.That's it for today. Check the show notes for links. And please remember to hit the subscribe button, and leave a review!You can also join RealWealth for free at newsforinvestors.com. As a member, you have access to the Investor Portal where you can view sample property pro-formas and connect with our network of resources, including experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more.Thanks for listening. I'm Kathy Fettke...Show Notes link: https://www.newsforinvestors.comJoin link: https://join.realwealth.com/?utm_content=Real%20Estate%20News%20Podcast&utm_campaign=Join%20for%20Free&utm_term=Description%20Text%20LinkSubscribe link: https://podcasts.apple.com/us/podcast/real-estate-news-real-estate-investing-podcast/id1079952715Links:1 - https://www.marketwatch.com/story/coming-up-pce-inflation-index-and-consumer-spending-11651234498?mod=economy-politics2 - https://www.marketwatch.com/story/u-s-jobless-claims-fall-5-000-to-180-000-showing-momentum-continues-in-labor-market-11651149515?mod=home-page3 - https://www.marketwatch.com/story/new-homes-are-likely-a-viable-choice-for-fewer-first-time-home-buyers-new-home-sales-dip-as-affordability-worsens-11650982695?mod=economic-report4 - https://www.marketwatch.com/story/the-spring-housing-market-is-off-to-an-unpredictable-start-pending-home-sales-fall-amid-rising-mortgage-rates-11651068612?mod=search_headline5 - https://www.marketwatch.com/story/it-will-take-time-for-surging-mortgage-rates-to-rebalance-the-market-home-prices-are-still-skyrocketing-but-buyers-could-see-relief-soon-11650979422?mod=economic-report6 - https://www.marketwatch.com/story/consumer-confidence-slips-in-april-but-americans-arent-cutting-back-on-spending-11650982322?mod=economic-report7 - https://www.marketwatch.com/story/consumer-sentiment-jumps-in-april-on-lower-gas-prices-and-more-optimism-about-the-economy-11651241527?mod=economy-politics8 - https://www.freddiemac.com/pmms9 - https://magazine.realtor/daily-news/2022/04/28/demand-doubles-for-arms10 - https://magazine.realtor/daily-news/2022/04/26/where-foreclosures-could-take-years-to-process11 - https://magazine.realtor/daily-news/2022/04/27/why-75-of-americans-say-they-don-t-like-their-neighbor

Nevada dropped three of four at Arizona (9:50). The guys return to Peccole this weekend, with New Mexico rolling into town — two things to know and predictions (17:19). Aces Report - Reno drops first series of the year, hosts Round Rock this week (31:12). For slants, the Shoup brothers react to Elon transfer Hunter McIntosh transferring to Nevada (39:36), lay out Ken Wilson's turnaround timeline (48:19), and look at Carson Strong's chances of making the Eagles roster (1:01:20).  To stay current everything on The Reno Slant, follow the brothers on Twitter and Instagram, and online at TheRenoSlant.com.

@jump_ strong arms 79 year old man for a domain @hildobby_ $ETH dashboard - Dashboard Liquidity as the driver of #DeFi growth & what is next Cuba approves cryptocurrency services Virginia county wants to put pension funds into DeFi yield farming Large outflow from Bitcoin institutional holders $300 million developer fund by privacy focused $NYM --- Support this podcast: https://anchor.fm/missiondefi/support

In Episode 111, Dolen Perkins-Valdez (author of Take My Hand) shares details about the real-life events that inspired the book about a tragic story and historical landmark in the battle for women's rights. Dolen also talks about her research methods and a couple of key themes from the book. Take My Hand was a 5-star book for me and will be one of my favorite books of 2022! This post contains affiliate links, through which I make a small commission when you make a purchase (at no cost to you!). Highlights What compelled Dolen to write this book, based on the true story of the Relf sisters. How Dolen shaped this real-life story into fiction and the liberties she allowed for her novel. Dolen's research process and a bit of the behind the scenes of crafting the book. The theme of governmental coercion and exploitation of poor people. Dolen's favorite genre of fiction as a reader. How Dolen first resisted defining herself as a Historical Fiction writer. The secret genre Dolen would like to explore one day. Dolen's Book Recommendations [24:31] Two OLD Books She Loves We Cast a Shadow by Maurice Carlos Ruffin | Amazon | Bookshop.org [26:08] The Immortal Life of Henrietta Lacks by Rebecca Skloot | Amazon | Bookshop.org [29:06] Two NEW Books She Loves The Love Songs of W. E. B. Du Bois by Honorée Fanonne Jeffers | Amazon | Bookshop.org [32:00] Hour of the Witch by Chris Bohjalian | Amazon | Bookshop.org [35:58] One Book She DIDN'T LOVE A Farewell to Arms by Ernest Hemingway | Amazon | Bookshop.org [40:12] One NEW RELEASE She's Excited About The Diamond Eye by Kate Quinn (March 29) | Amazon | Bookshop.org [41:49] Last 5-Star Book Dolen Read Miss Chloe by A. J. Verdelle (May 10) | Amazon | Bookshop.org [45:22] Other Books Mentioned Wench by Dolen Perkins-Valdez [1:02] Balm by Dolen Perkins-Valdez [1:02] Black No More by George S. Schuyler [28:19] Dark Matter: A Century of Speculative Fiction from the African Diaspora by Sheree Renée Thomas (ed.), with short story “Sister Lilith” by Honorée Fanonne Jeffers [32:23] The Age of Phillis by Honorée Fanonne Jeffers [33:31] The Souls of Black Folk by W. E. B. Du Bois [33:39] The Sun Also Rises by Ernest Hemingway [41:05] The Alice Network by Kate Quinn [42:40] Other Links Reuters | Henrietta Lacks' Heirs Sue for Cut of Medical Research Profits.  Are They Too Late? NPR | Henrietta Lacks' family sues biotech company for profiting from ‘stolen' cells About Dolen Perkins-Valdez Website | Twitter | Instagram | Facebook Dolen Perkins-Valdez is the New York Times bestselling author of Wench and Balm. She was a finalist for two NAACP Image Awards and the Hurston/Wright Legacy Award for fiction, and she was awarded the First Novelist Award by the Black Caucus of the American Library Association. Dolen is the current Chair of the Board of the PEN/Faulkner Foundation. On behalf of the foundation, she has visited nearly every public high school in the District of Columbia to talk about the importance of reading and writing.   She is currently Associate Professor in the Literature Department at American University and lives in Washington, DC with her family.

Bunny Michael takes listeners' questions. “I got into a fight with my partner over a mistake I made, but his reaction scared me."“I'm confused about my sexuality"“I know I'm bisexual and I feel like I'm misleading my boyfriend"And more.To submit a question to Bunny or listener response to be featured on a future episode, record a voice memo and email it to xohigherself@gmail.com. Or you can leave us a voice mail at 740-481-1216.For bonus content, including monthly Higher Self readings on Zoom and video recordings of guest episodes, subscribe to our Patreon at Patreon.com/xohigherselfDon't forget to subscribe, rate and leave a review. All listeners who leave a review will get a special shout out on the podcast!Follow us on Instagram @xohigherself @bunnymichaelFollow Bunny on Tik Tok www.tiktok.com/@bunny_michael_higherselfSupport this show http://supporter.acast.com/xohigherself. See acast.com/privacy for privacy and opt-out information.

Jeremy's sister, Brittani Scott, stopped by to talk with us about the strength that lies in trusting the Lord. She and her husband suffered their share of heartbreak during the adoption process, but God's redemption in their story is so heart-warming. Brittani is a singer/songwriter, pastors-wife, and mother to a beautiful baby girl, Asha, who came into their life through trusting in the Lord. Brittani talks about what her and Ryan's journey to becoming parents looked like, her tour, church planting, and even how she views her role in life. If you find yourself struggling to wait on God to fulfill a promise in your life, you won't want to miss her testimony. It is a beautiful representation of how even when you are in the middle of a season of waiting, if you glorify the Lord, he will fulfill His promises to you. --- Send in a voice message: https://anchor.fm/themillionairemarriage/message Support this podcast: https://anchor.fm/themillionairemarriage/support

The senselessness of life. The meaninglessness of death. Those moments where you murder someone in cold blood for no particular reason. Hope you like existential stuff. Because Ernest Heminway and Albert Camus sure do, as we talk about in this mega-stuft episode of none other than ..... THE BOOKENING. ★ Support this podcast on Patreon ★

Most investors are familiar with using conventional mortgages on residential property, but how do loans work in the commercial space, or after you have hit your 10 conventual loan limit? In today's episode, Emil and Michael walk through what you need to know about using a commercial mortgage. --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions, and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Michael: What's going on everyone? Welcome to another episode of the Remote Real Estate Investor. I'm Michael Albaum, and today I'm joined by my co-host…   Emil: Emil Shour.   Michael: And today we're gonna be talking about a topic that I've been getting a lot of questions about inside the Roofstock Academy and that's commercial mortgages and what do I do with I've hit my 10 loan limit on the conventional side. So let's get into it.   Emil, what's going on, my man?   Emil: Hey, dude, how you doing?   Michael: Hanging in there, traveling on the road. Hanging out, no complaints how you doing?   Emil: As always…I'm good, I'm good man. Just ready to talk real estate and loans, conventional commercial. I mean, this is it is an interesting one, actually. Because I think when you're new, and you hear about like the 10 loan limit, you're like, what do I do after that? I remember being like, what am I going to do after that and then you learn a little bit more about commercial, you're like, oh, this isn't that complicated and it's really not that much more expensive from an interest rate perspective.   Michael: Yeah, yeah. It's so funny, I hear the same thing all the time from folks like, oh, what I do, like, I can't get started investing in real estate, because what if I hit my 10 limit, like you have a little worry about that after you have 10 properties, like, that's a great problem to have and by that point, most people figure out an alternative source of financing anyhow, so. So I just, you know, let's start by talking about what a conventional mortgage is kind of how it works, what the mechanics are of it, and then we can transition to talking about commercial mortgage. So Emil give me the breakdown of what a conventional mortgage looks like, and sounds like and what some of the terms are.     Emil: Sure and please correct me if I incorrectly say any of this. So conventional mortgages, you know, your typical bank will loan these out, they are usually government backed, they come in 30 or 15 year amortization, meaning that is the life of the loan and the repayment period. What else am I forgetting here? You pay your I mean, do we want to get into like the nitty gritty like, most of your interest is paid up front, and then more, your principal is paid on the back end. So it's not like a linear payment through those 30 or 15 years, but…   Michael: Not yet, I think that's perfect, man. So most people, when they go to their bank, they're gonna see their 15 year fixed, 30 year fixed, they also have ARMs, a lot of banks will offer ARMs, which just as an acronym for adjustable rate mortgage and you'll usually see that as a five one or a seven, one or a 10 one and that first number is just how long the interest rate is fixed for. So in a five, one situation, it's fixed for five years, and then it adjusts once per year, every year, is what that five one means and that amortization can either be a 15 year or a 30 year, I believe, but check with your lender see what options they have and just like Emil mentioned, the, it's like how many pieces the loan is cut into is the amortization, so 15 years, you're gonna pay 15 years by 12 months, or 30 years gonna be 30 years by 12 months. So on a shorter mortgage on a 15 year mortgage, your payments are going to be higher for the same interest rate, because you're just paying it back sooner. So let's shift gears here a little bit and talk about commercial mortgages to you I can't remember called do you have any yet?   Emil: I don't, I have only used since I've only bought single family and two to four unit, I've been okay using conventional 30 year fixed.   Michael: Awesome and that's a great point to that, like for everyone listening, that might not be familiar, two to four units, you can still use conventional financing. So you can still go to your Standard Bank get a mortgage on that property, commercial is anything five units or greater and this can take the form of a couple, this can look like a couple of different things. This could be five single family homes purchased as part of a portfolio that you want to put into a single note or a single mortgage, as opposed to having them on each individual five mortgages. So you can go can commercial that way or it can be a five unit building a small apartment building small multifamily and so commercial mortgages work a little bit differently and one of the biggest differences is that the lender is going to look to the property or the asset to carry the debt as opposed to you as the borrower.   So anyone who's gotten a conventional mortgage for the for their primary or for an investment property is likely familiar with the full cavity search that the that the process the mortgage process is and so they want to see tax returns and income statements and bank statements and who your mailman was at your last three properties and all that sort of thing. So it's just like it's so intense, which is great and a big part of that came about after 2008 people said, hey, we have to get stricter with our lending requirements so that people aren't defaulting on their mortgages causing this whole, massive tailspin. So the lending institutions really tightened up and I think that's a good thing. People who shouldn't be getting mortgages are having a harder time getting them. Now, the commercial industry is a little bit different, because those loans tend to not be backed by the federal government, like Emil was talking about Fannie and Freddie are two government industries, agencies that back and often purchase these mortgages, the commercial world is a little bit different and so a lot of these mortgages are actually kept on the books of the lender and so that's often referred to as a portfolio lender, the mortgages, they on their portfolio are part of their portfolio and so because of that, they don't have the same lending requirements that conventional lenders do and so they can actually look to the property or to the asset itself to say, okay, this is what the taxes are this with the insurance are, this is how much the debt services or the mortgage payment is. That means there's this much leftover for you okay, the property works, the numbers work and what they're often looking for is what's called a debt service coverage ratio, or a DSCR of some number, a lot of banks use 1.2, or 1.25 and they want to see, okay, the debt is $1,000, I want to see that the property brings in at least 1200, because that's going to be a 1.2% debt service coverage ratio. So they're taking the fraction of how much the property brings in as compared to how much debt you have on the property, they're also going to look at what the taxes and insurance and other expenses are an underwriting accordingly. But that's in essence, what they're looking at, they are going to be concerned with you as a borrower, they make sure that you have money in your account that you're not in the middle of a bankruptcy, and that you haven't defaulted on a bunch of other loans. But you also have what's called non-recourse loans, which are basically where the lender is saying, okay, if you default on the loan, we're not coming to you as an individual, we are going to just take the property back, and we'll deal with it afterwards versus full recourse is, hey, you still make your mortgage payment, that lender is going to take the property back, and they're going to come after you to get their full payment back.   Emil: I have a question for you, Michael, what is when are you usually eligible for non-recourse? Because who wouldn't want non-recourse?   Michael: Yeah, so some lenders offer it at a certain dollar amount for the loan, that's the threshold like over a million dollars is non-recourse, or you can potentially buy it and so you can pay a higher interest rate to have it be non-recourse some lenders will offer that and so it's a really good question to ask lenders as you're having the conversation with him is, hey, is this recourse or non-recourse? Oh, if they tell you it's recourse, ask them if there's an option for non-recourse and see what they say. Because you're right, it's given the choice, non-recourse is definitely better. I have the vast majority of my loans are full recourse. I'm a personal guarantor on these loans, even though they're made to my LLC, the loan isn't the name of the LLC, I'm a personal grantor on these, but I'm in the business of paying back my loans. So I'm, I'm less concerned with the non-recourse part. But again, all things being equal on choose a non-recourse 10 days at a 10.   Emil: Did you choose recourse because you got better rates and for all the like the reasons you meant, you're just getting like, it's cheaper, I guess, for you…       Michael: It's cheaper, and it really wasn't an option for a lot of the loan sizes that I was taking on. I just now to get a loan on a on a commercial property ownership on that property that I own with my two brothers. And that was non-recourse half of its non-recourse half of its full recourse qnd then similar on another loan that I'm working on for cash out refi up to x dollars is full recourse and everything above that was non-recourse. So I'm getting into that kind of sphere now.   Emil: Very cool.   Michael: Yeah, it's a pretty cool thing and then we did a webinar last night for Roofstock Academy and somebody asked a question about getting Portfolio loans out of their self-directed IRAs and I'm pretty sure that all of the lending done in the self-directed space is non-recourse, but definitely check with those lenders who are lending there as well.   Getting back to it, so the terms are just going to be a little bit different on your commercial property, the amortization period is gonna be a little bit shorter, typically gonna be 20 or 25 years, and the fixed term of the interest rate is kind of like an arm. So that first number you see, in a commercial loan statement, it could be a 525. That first number five is the fixed period, just like with an arm, and then the second number, the 25 is the amortization period. So 520-525-1027-20 these are all very common mortgage terms, and amortization periods and again, it's just important to keep in mind that the shorter the amortization period, the more expensive or the larger the monthly loan payment. So I'll just give everybody an example here. On a 200,000 to $250,000 property, you put down your 20% 50 grand you have a mortgage of 200,000 at a 4% interest rate on a 30 year amortization, your payments 954 if we shorten the amortization period of 20 five years, your payment goes up to 1055. So about an extra 100 bucks a month by shortening the amortization period by five years. So again, just want to be aware of as you're running your, your analysis, make sure that you're getting your amortization periods, right. I know a lot of folks are using a 30 year calculator, make sure that you adjust that accordingly, if you are going commercial, or you are using a different amortization period.   Emil: Aren't there commercial loans where it's like amortize over 25 years, but there's a balloon payment at the end of like 10, where you basically have to refinance or pay the whole loan or something.   Michael: Yes, super good point Emil, so you want to make very sure that you understand how your loan operates at the end of that fixed interest rate period. So oftentimes, what you'll see is the loan, let's call it a 525, at the end of that five year period, it's just going to reset, it's going to reset for another five years at whatever the prevailing interest rate is, and most lenders will say it will never go below your current rate. So let's say you're a 4%, five year fixed for over 25 years, and in five years, now rates are at 6% well, your loan is just going to reset at 6% for the next five years, if rates go down to 3%, your loan is going to stay at that 4%. So you might have to refinance, go through that whole rigmarole process to get a better rate. But you could also talk to your lender about hey, you know, rates are dropping out, let's talk about a loan modification kind of thing, which is I mean, I've done in the past and that's really one of the benefits of a portfolio lender is that they keep the loan on their books and so they can be a lot more flexible with what they're doing with their loans, as opposed to the conventional world that serviced by a servicer, there's really not a whole lot they can do to change it without going through the full refinance process.   So what Emil your referencing is if the alternative type of loan is one that has a balloon payment at the end and so if we go back to our 525, five year fix over a 25 year amortization period, at the end of that five year period, you might actually owe the entire remaining balance of that loan. Now, you've only paid it off over five years. So you're only 20% through that loan, and the majority of the interest is paid at the front and so you're paying very little principal at the beginning of the life of that loan. So let's say on that $200,000 loan, after five years, let's say you paid off 10 grand, I just picked it over. So you would essentially owe 190,000 still on that mortgage and that's due at the end of that five year period. So what it forces you to do is you've got to go refinance, unless you had a windfall, you had some cash laying around, you can go pay off that full balance, but what most people do is they end up refinancing a little bit 30,60, 90 days before the maturity of that loan, and then they'll go get new debt, pay off the old existing debt. Now they'll have a new mortgage, hopefully, at better terms, maybe it was even with some cash out, if you're in an appreciating market.   So people tend to recycle this over and over again. Now something that's super important to keep in mind is the cost of capital, or the cost of doing a refinance or doing a loan. Most lenders are going to charge origination points, their title and escrow fees and so personally, I love locking in the longest term rates, the longest term loans I can get. Because if it cost you five grand to do a loan, and you're doing that every five years, that can start to add up pretty quickly and so even if I've taken a slightly higher rate on the interest rate, but I get to lock it in for 10 years, I can calculate out, okay, if I'm paying an extra $50 $75 a month on the mortgage, because I take a higher rate, but I'm saving $5,000 every five years by not refinancing. That's a pretty big win in my book. So definitely be strategic and look at the math and the numbers behind what type of mortgage you're getting conventional versus commercial, and also what the what the physical cost of capital or the cost of closing those mortgages are because again, it might be sound counterintuitive, but sometimes taking a higher rate for a different type of product could be the right move for you.   Emil: Yeah, especially if you, you know, feel like interest rates are never going to be lower than they are now. Why not take like, as long of that rate, you know, even though it's higher, it'll still, you know, you may think it may be lower than 5-10 years from now, so lock it in longer.   Michael: Yeah, lock it in for as long as you can. I mean, that's something that I've just spent the last six months doing is actually found a lender that would do 30 year fixed on multifamily commercial property, so five units plus and so the rate is like four and a quarter 4.3 which yes is higher than what it would be for a five year fixed are a 10 year fixed on a 20 or 25 year am but I'm looking at it for 30 years and so that additional quarter percent or half a percent that I'm paying over the life of the loan, I'm happy to for this the assuredness that the rate is never going to move and at some point along that 30 year time horizon I'm pretty sure I'm gonna be comfortable and patting myself on the back for locking in a four and a quarter on commercial multifamily. Something else to be cognizant of is like I was talking about the portfolio lender, so asking are these lenders? Hey, are you the one who's gonna be servicing the loan? Do you keep it on your books or do you sell it because there is still a secondary market for commercial loans. It just usually not Fannie and Freddie.   So I was working with a commercial lender and a portfolio lender, I kept everything on their books. Back in 2018, I think I did a cash out refinance with them, I bought a property all cash, I turned around 30 days later and did a cash out refinance for 70% of the purchase price, and then use that cash to do a lot of the rehab and I've talked about this on prior episodes, but I did that. So I could get the purchase price down by using all cash, and then just turn around and refinance a bunch of my cash out to then go do the rehab on the property and that worked out really well and so at the end of the day, it was basically a financed purchase for me, and the purchase price was lower than it would have been had I gotten in originally with financing. So that's the strategy that I really liked using. So when I got that when I got that refinance, the rate was 4.99 and that was a 10 year fixed over a 25 year amortization and the rate was fine at the time, like 4.99, that was a decent rate. But a year, maybe six months, nine months, fast forward, and rates had come down quite a bit and at this time, I was traveling internationally with my wife for the better part of a year and so I remember distinctly, like I was in Costa Rica, and I called my lender and I was like, hey, rates have dropped a lot. What can you do for me? He goes, oh, let me see what I can do. He goes, we can drop your rate to three and a quarter for 1200 bucks. And I was like, yes, let's do that. So literally, I signed two papers while in Costa Rica scanned it back to my lender, and he was able to adjust my rate, and the payback on that the like what I saved in in finance charges compared to that 1200 bucks was it was like a three or four month payback. So after that three or four months, I was making more money and saving more money than I was originally.   So it's like, yeah, this is like a massive win. So if you can find those portfolio lenders, they can often be your best ally and they can be really flexible with their mortgages and I think asking them how their process works. Do they ever do loan modifications? What does the process look like? Really getting a good insight into the commercial lending space and commercial lenders, specific commercial lenders is really going to behoove you and someone on the webinar last night asked, hey, should you know should I go develop relationships with conventional or with commercial lenders, now, I'm only using conventional lenders, I think you should be doing both in tandem and in parallel, is developing relationships with commercial lenders, because at some point, you will likely need them and so have good relationship with your conventional lenders be talking to commercial lenders, and by the time you are ready, and need them, hopefully, everyone's going to be primed and aware of your situation and aware of what it is you're trying to do and that just makes that transition so much easier. As opposed to shoot, I hit my loan limit or my debt to income limit, I can't get any more loans I got I got this great property though. I gotta go scramble to figure out the financing. I think do it, do it in tandem do it in parallel and you'll thank yourself, your future self will thank your past self.   Emil: I know this could be like a full episode. But if you had to summarize in 30 to 60 seconds, how do you go about finding commercial lenders, like where's a good place for people to start?   Michael: Yeah, talk to your existing lenders, see if they have a commercial lending department, there are some banks out there that do and so you might already be aware of them. Other than that, I would ask for references. So from your local agents, local property managers, local vendors, any other investors investing in the area and as part of the restock Academy, we have a vendor discussion channel in our Slack thread and people are talking all the time, hey, who do you use for lending in this space? Are you flooding in this space and like, it's amazing, I got some incredible recommendations and the URL, Emil I know you did, too.   Emil: Yeah, yeah…   Michael: So it's an amazing, amazing community, so check out different communities online forums, see who people are talking a lot about, the good lenders tend to be talked about pretty regularly and if you can't find that, those fruits of your labor don't yield any results. I think that's a sentence. That's the same online just look at Hey, commercial lenders in Kansas City, commercial lenders in whatever market you're in, and see who pops up and just start cold calling folks and start talking to him. Part of the webinar last night, we showcased the some of the Roofstock Academy resources that we have and we have interviewed templates and questionnaires for folks and so we showcase our one about lenders interviewing lenders, specifically and also property managers.   But we have this great like seven page questionnaire and interview template to interview lenders to help you get an understanding of okay, what are the pros, what are their cons? What types of questions should I be asking, especially if I'm brand new to the commercial space? So come check it out. It could be helpful https://www.roofstockacademy.com/ . But there's definitely conversations and legwork to be done on the front end. Don't just choose the first one that you meet.   Emil: Solid!   Michael: Thanks so much everyone for listening. Hopefully that was valuable and again, even if you're not someone that's taking advantage of commercial loans right now I'll bet you think you might be, definitely go start having those conversations, go start reaching out to folks and just learn a little bit more about the landscape. It will definitely behoove you for when you are ready for when you are there. So as always, if you like the episode, feel free to leave us a rating or review. We'd love hearing from everyone, as well as future episode topics and suggestions. We look forward to seeing you on the next one. Happy investing.   Emil: Happy investing!  

The following guests sit down with host Justin White:•   Brady Shimek – Mortgage Broker, NEXA Mortgage•   Lara Locke – Mortgage Broker, Locke Your LoanIn a Rising Rate Environment, Adjustable-Rate Mortgages Are an Underutilized Product for Mortgage BrokersAs more borrowers turn to adjustable-rate mortgages, loan originators need to familiarize themselves with the product. How can independent mortgage brokers determine which of their clients can benefit most from ARMs? Tune into Episode #17 of Good. Better. Broker. as we talk with a pair of brokers who are adamant about ARMs being part of a loan originator's arsenal.In this episode of the Good. Better. Broker. podcast, you'll learn how to educate yourself and your clients on adjustable-rate mortgages and how to sell them.In this episode, we discuss ...•   1:34 – Brady's perspective on the importance of ARMs•   2:49 – How Brady determines which clients are a fit for an ARM•   3:38 – How Brady sells ARMs•   5:16 – How Brady addresses any concerns clients have about ARMs•   7:38 – How Brady compares an ARM vs. a fixed-rate mortgage•   9:24 – Why ARMs are an attractive product for financially savvy clients•   11:22 – Which ARM products Brady focuses on for his clients•   12:42 – Brady's advice for other mortgage brokers on ARMs•   15:07 – Lara's view of the ARM product•   16:22 – How Lara evaluates which of her clients could be a fit for an ARM•   17:08 – How Lara explains ARMs to her clients•   18:34 – How Lara sells ARMs to her clients•   19:31 – Why ARMs are a good fit for Lara's investor clients•   22:31 – Lara's advice for mortgage brokers looking to do more ARM loansResources Mentioned in This Episode:UWM's The SourceUWM's Easy QualifierShow Contributors:Brady ShimekConnect on Facebook or InstagramLara LockeConnect on LinkedIn, Facebook, Instagram or TikTokJustin White is UWM's in-house brand journalist and the host of the daily news video, Inside Pass. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University.Connect with Justin on LinkedIn,  Instagram or TwitterConnect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

Paul and Nick sit by the fire for the first time this regular season and discuss 4 interesting arms plus a bonus 5th who might be the latest Giants gem.

"We have a choice to dance, to love, to sing, to live fully alive as long as He is alive in our imagination, in our thoughts, in our worship—to celebrate His daily presence." May God give you ears to hear and His grace to live fully during this time. I hope this podcast encourages you today.