Podcasts about buyers

Condominium owners saddled with rising HOA fees and special assessments are having a hard time selling their properties. Wall Street Journal personal finance reporter Veronica Dagher and recent condo buyer Gordon Miller join host Callum Borchers to discuss how real estate hunters can find bargains.  Sign up for the WSJ's free Markets A.M. newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Christopher Lochhead: Follow Your Different, the script is flipped and we listen to Christopher Lochhead explore the critical theme of customer obsession, especially within startups on the Building with Buyers podcast, hosted by Anna Furmanov. This conversation focuses on the importance of empathy, both for customers and within teams, and advocates for breaking down departmental silos to foster collaboration and drive sustainable growth. You're listening to Christopher Lochhead: Follow Your Different. We are the real dialogue podcast for people with a different mind. So get your mind in a different place, and hey ho, let's go.   Christopher Lochhead on Understanding the "Existing Market Trap" Christopher Lochhead explains that many startups fall into the "existing market trap," where they build something new but compare it to existing products. This approach stifles innovation and fails to create new demand. Instead, startups should focus on understanding their customers deeply and innovating based on their needs. Christopher introduces the concept of "super consumers," who are passionate individuals at the edges of the bell curve. These customers are not just users; they are evangelists who can help shape and define categories. He suggests that you look for customers who are highly engaged with your product and vocal about their experiences. You then create exclusive communities or programs for these super consumers to gather feedback and encourage them to spread the word about your product.   The Importance of Authentic Dialogue Christopher discusses the decay of civil discourse in society and its impact on authentic dialogue. He believes that healthy debate and the exchange of differing viewpoints are essential for a functioning society and fostering innovation in business. Christopher also shares his personal experiences with being de-platformed on social media for promoting free speech. He argues that the ability to engage in civil discourse is crucial for personal expression and fostering innovation.   Challenges in Startups Anna and Christopher discuss the common pitfalls startups face as they grow, such as shifting focus from customer feedback to product development and sales. Christopher shares examples of companies that have thrived by prioritizing customer relationships and adapting their offerings based on customer needs. Some of the things they could do are to analyze how successful companies maintain their customer focus and apply similar strategies to your business. They should also be willing to pivot your strategies based on customer feedback and market changes. To hear more from Christopher Lochhead and Anna Furmanov, download and listen to this episode.   Links Like what you hear? You can check out Anna Furmanov's podcast, Building with Buyers.   We hope you enjoyed this episode of Christopher Lochhead: Follow Your Different™! Christopher loves hearing from his listeners. Feel free to email him, connect on Facebook, X (formerly Twitter), Instagram, and subscribe on Apple Podcast / Spotify!

Episode 594: Neal and Toby recap the back-and-forth between the Trump administration and the courts attempting to block his sweeping tariffs. Then, a new study shows the number of home sellers outnumber home buyers by a large margin…but why aren't prices coming down? Also, Costco reports a positive earnings as it's able to maintain its low prices amid rising costs.. Meanwhile, a trade theory known as TACO: Trump Always Chickens Out is the Stock of the Week and American policy on international students is the Dog of the Week. Finally, United Airlines is coming back to JFK Airport. Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. LinkedIn will even give you a $100 credit on your next campaign so you can try it yourself. Go to LinkedIn.com/MBD  Terms and conditions apply. Only on LinkedIn Ads. Listen to Morning Brew Daily Here: https://www.swap.fm/l/mbd-note  Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow Learn more about your ad choices. Visit megaphone.fm/adchoices

America's banks are sitting on over $400B in losses. The FDIC says your deposits are safe—but the math says otherwise. Is your savings account the next casualty? Taylor Kenney breaks it down.Questions on Protecting Your Wealth with Gold & Silver? Schedule a Strategy Call Here ➡️ https://calendly.com/itmtrading/podcastor Call 866-349-3310

Private equity investors are one step closer to owning a historic lakeside lodge on public land in the Swan Valley. Eric Jacobsen and business partner Thomas Knowles are now permitted by the forest to operate Holland Lake Lodge for at least 20 years.

It's powered by AI - Acast Intelligence. Sponsored by RedCircle. Talking into a mic for free? That's a choice. Getting paid for it? That's a business. https://podnews.net/cc/2920 Visit https://podnews.net/update/acast-smart-recommendations-ai for the story links in full, and to get our daily newsletter.

Have you ever wondered why your marketing works for some people but not others? In this episode, I'm teaching you how to think about the different types of buyers in your audience and what influences their decision to work with you. When you understand who you're speaking to and how they engage with your business, it becomes much easier to stay focused and keep showing up.   This is one of the foundations of advanced marketing I teach inside the 200k Mastermind to help coaches simplify their marketing and make it more effective. It's a concept I come back to again and again when students are trying to grow past six figures.   If you want to start making serious money as a coach, you need to check out 2k for 2k. Click here to join: https://staceyboehman.com/2kfor2k! 

Buyers or sellers? What should the Cardinals do at the trade deadline. Plus, Brian Kelly opened a can of worms. Will we get a Big Ten vs SEC football challenge soon? What about a super conference? The guys discuss!

Karla Singson is a global entrepreneur who started with a flower shop in the Philippines and grew into events, marketing, and outsourcing. Since 2017, she's specialized in hiring top remote talent from managers to creatives and tech pros. She's now launching "Pocket Proximity," a subscription service for accessing skilled remote professionals. Based internationally, Karla is known for her expertise in outsourcing, team building, and social media strategy.   This is all about leveling up, because if you're not growing, you're falling behind. In this podcast, we'll dive into powerful strategies, real stories, and game-changing mindsets to help you stay ahead and keep your business GREAT. Every challenge is just a new opportunity to rise, and you always have the power to make your business great again. Let's make it happen, together.

Azriel Ratz, a digital marketing expert known as the 'king of ecom Facebook ads.' He shares his 13 years of experience, insights on the evolving world of advertising including AI's role, and stories from his journey in the industry.   This is all about leveling up, because if you're not growing, you're falling behind. In this podcast, we'll dive into powerful strategies, real stories, and game-changing mindsets to help you stay ahead and keep your business GREAT. Every challenge is just a new opportunity to rise, and you always have the power to make your business great again. Let's make it happen, together.

Bella Vasta is a successful entrepreneur and business coach in the pet industry. She built two six-figure businesses by 35, known for her bold coaching style and early adoption of online marketing. Now, she leads a marketing agency focused on AI and personal growth, helping others thrive in business and life.   This is all about leveling up, because if you're not growing, you're falling behind. In this podcast, we'll dive into powerful strategies, real stories, and game-changing mindsets to help you stay ahead and keep your business GREAT. Every challenge is just a new opportunity to rise, and you always have the power to make your business great again. Let's make it happen, together.

Drewbie Wilson is a sales consultant and entrepreneur who went from earning $40K a year in insurance to running a seven-figure business. He founded a marketing company and created the trademarked brand "Call the Damn Leads." Known for service-driven sales, Drewbie helps businesses build lasting relationships and improve follow-up systems. He also runs other ventures like "Astro Nibbles" and owns the trademark "Farts are always funny." He champions using tech like AI while staying human-focused and lives by principles like “trust the process” and “get it done.”   This is all about leveling up, because if you're not growing, you're falling behind. In this podcast, we'll dive into powerful strategies, real stories, and game-changing mindsets to help you stay ahead and keep your business GREAT. Every challenge is just a new opportunity to rise, and you always have the power to make your business great again. Let's make it happen, together.

Will the Rangers be buyers or sellers at the trade deadline? Sports Match returns! Below the Belt!

Jordan Cain joins the show to talk about opportunities for buyers in today's market. Being on the ground and working with buyers, he explores the challenges and opportunities for buyers he's seen so far in this Spring market; including the impact of inventory levels, seller concessions, and shifting market dynamics. The conversation highlights the importance of understanding the market trends and making informed decisions as a buyer. The discussion also touches on the emotional aspects of home buying, and the strategies that can help buyers make informed decisions.Find more podcasts at: www.windermereabode.com00:00 Introduction to the Real Estate Market02:49 Meet the Expert: Jordan Cain04:28 Current Market Trends for Buyers09:16 Opportunities in a Shifting Market11:55 Understanding Seller Concessions13:36 Inventory Insights and Buyer Activity18:43 Navigating the Current Housing Market25:10 Understanding Buyer Flexibility31:56 Opportunities for Buyers in Today's MarketFollow Jordan Cain online: Instagram - @jcainhomesFollow and subscribe! Visit www.windermereabode.com for more homes, podcasts, and videos!

This week on Revenue Rehab, Brandi Starr is joined by Maddie Bell, CEO and Co-founder of Scheduler AI, who believes “the real risk isn't in the dark funnel—it's failing to deliver when the buyer finally raises their hand.” In this episode, Maddie challenges the industry's obsession with “speed to lead,” urging revenue leaders to prioritize “speed to first conversation” with AI-driven, buyer-centric engagement. She warns that outdated playbooks and one-way automation are leaving revenue on the table, while today's buyers self-educate and expect immediate, meaningful interaction. Will Maddie's call for rethinking the moment of engagement change your strategy—or change your mind?  Episode Type: Problem Solving  Industry analysts, consultants, and founders take a bold stance on critical revenue challenges, offering insights you won't hear anywhere else. These episodes explore common industry challenges and potential solutions through expert insights and varied perspectives.  Bullet Points of Key Topics + Chapter Markers:  Topic #1: Dark Funnel Obsession—Are Revenue Teams Focusing on the Wrong Problem? [01:10]  Maddie Bell argues that while the industry is fixated on the challenges of the dark funnel and invisible buyer research, the true risk lies elsewhere: "The real risk isn't what you can't see, it's what you fail to act on when the buyer finally makes themselves known." She challenges CMOs and CROs to shift resources away from just uncovering hidden intent and instead ensure their processes and tech are ready for the critical moment buyers raise their hand. Brandi aligns with this shift, probing what readiness really entails and how companies can retrain their focus accordingly.  Topic #2: Personalization at Scale—Why Automation Isn't Enough [13:36]  Maddie claims that traditional personalization methods—triggered email sequences and static nurture paths—have reached their limits due to the sheer number of signals and permutations needed. She challenges the industry to move beyond guessing with automation: "It's just really hard to personalize for a person without asking them about themselves again, without starting a two-way conversation." The discussion centers on the need for AI-driven, dynamic conversations to achieve true personalization, not just more sophisticated drip campaigns.  Topic #3: AI as the Connector—Transforming Handoffs and Sales Structure [28:38]  Maddie boldly asserts that AI agents are poised to revolutionize not just engagement, but the very structure of sales teams and revenue processes. She explains, "If you have the AI routing, you can create intelligent loops that essentially solve the leak across the pipeline..." prompting leaders to rethink their approach to sales specialization, handoff rigor, and marketing-sales alignment. Brandi challenges the scalability and organizational implications, sparking discussion on how revenue leaders should sequence process improvement before layering on AI.  The Wrong Approach vs. Smarter Alternative  The Wrong Approach: “I think they look for solutions to new things rather than solving problems that again, they already have. Right. Because at the end of the day, if we're already making buyers wait hours, days, if we follow up at all, just solving that in the near term is going to get you a measurable pipeline win now without having to re redo and try all this new stuff that you don't really know where it's going to go.” – Maddie Bell  Why It Fails: Chasing after new, untested solutions distracts teams from addressing the core issues already affecting buyer engagement. If companies ignore existing process gaps—like long response times—they miss out on immediate revenue gains and risk investing in initiatives that may not address their current challenges.  The Smarter Alternative: Focus first on quantifying and solving existing friction points in the buyer journey, such as reducing wait times and ensuring prompt follow-up. By tackling these proven problems, organizations can unlock measurable wins and lay a stronger foundation before experimenting with new tools or strategies.  The Most Damaging Myth  The Myth: “The moment they raise their hand visibly is the start of the process.” – Maddie Bell  Why It's Wrong: Many go-to-market teams treat the buyer's visible hand-raise—like filling out a form—as the beginning of engagement. But as Maddie points out, buyers actually start their process much earlier, often spending significant time researching and self-educating long before giving up their information. This myth leads companies to ignore the vast majority of prospects who never fill out a form (97%), missing opportunities to start conversations earlier and losing out on pipeline growth.  What Companies Should Do Instead: Recognize that the buying journey begins well before formal hand-raising. Invest in strategies and technologies that identify and engage buyers earlier—well before they submit a form—by leveraging intent signals, enabling frictionless conversations, and reducing reliance on traditional gates. This proactive approach captures more of the market and improves the probability of converting ready buyers.  The Rapid-Fire Round  Finish this sentence: If your company has this problem, the first thing you should do is _ “Measure it. Find out how many balls are getting dropped. Quantify the problem so you can actually solve it and measure success.” — Maddie Bell What's one red flag that signals a company has this problem—but might not realize it yet? “You're pushing out a lot of one-way communication, and buyers aren't converting—or when they finally respond, you're too slow to engage. If buyers ignore your outreach or you fail to respond within 1–2 minutes, that's a big sign.”  What's the most common mistake people make when trying to fix this? “Chasing new cool solutions instead of fixing today's problems—like slow or missing follow-up. Start by solving existing gaps to create quick pipeline wins before adding new tools.”  What's the fastest action someone can take today to make progress? “Start more conversations—and use AI for fair, objective, helpful buyer interactions that move them to the next step, ideally a team meeting. But don't rush the process; let AI qualify and route effectively.”   Buzzword Banishment  Buzzword Banishment: Maddie's buzzword to banish is "speed to lead." She dislikes this term because, in her view, it has become disconnected from what buyers actually want. Maddie argues that organizations have reduced "speed to lead" to a KPI or automated process—like quickly assigning a lead to a rep or sending out email sequences—rather than prioritizing a meaningful, timely first conversation that aligns with the buyer's needs and expectations. She advocates replacing it with "speed to first conversation" to ensure engagement is genuinely valuable to the buyer.  Links:  LinkedIn: https://www.linkedin.com/in/maddiebell/  Podcast: https://www.scheduler.ai/nextgen-gtm-podcast  Business: https://www.scheduler.ai  Subscribe, listen, and rate/review Revenue Rehab Podcast on Apple Podcasts, Spotify, Google Podcasts , Amazon Music, or iHeart Radio and find more episodes on our website RevenueRehab.live  

Real estate wasn't Mindy DeLano's first rodeo but it's where she found her stride. With a background in healthcare and a heart for first-time buyers, she brings empathy, grit, and just enough grammar police energy to keep things entertaining. From porch-sittin' veterans to social media shade, this one's got all the feels. And just wait until you hear what went down with the chicken-loving buyers on the worst possible day! Key takeaways to listen for Where real learning actually happens in real estate How Mindy built a thriving business by leaning into connection, not commission What classical dance can teach you about discipline and professionalism How following Leigh helped Mindy find her voice online (and grow her audience) The mindset shift that makes real estate meaningful|   Resources mentioned in this episode Bill Gallagher Real Estate CE Classes   About Mindy DeLanoMindy has called Charlotte home for more than 30 years, a journey that began with annual Labor Day visits and led her to earn a B.A. in English (minor in Sociology) at UNC Charlotte. After 15 years in healthcare, she transitioned to real estate, pairing deep market knowledge with a client-first mindset. Mindy holds the Accredited Buyer's Representative designation, the At Home with Diversity certification, and the REALTORS® Commitment to Excellence endorsement, enabling her to serve Charlotte's diverse buyers with skill and integrity. Away from work, she cheers for Clemson, the Charlotte 49ers, and the Panthers, explores the city's craft beer scene, enjoys wine, and dotes on her dog, Salem.   Connect with Mindy Website: Mindy DeLano LinkedIn: Mindy DeLano Instagram: @homewithmindy Facebook: Home with Mindy YouTube: at home with Mindy Email: homewithmindy@gmail.com Phone Number: 704.281.7660   Connect with Leigh Please subscribe to this podcast on your favorite podcast app at https://pod.link/1153262163, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.   Sponsors"You Ask. Leigh Answers." Your Affordable Coaching Program Hey there, real estate pros! Are you ready for some more Leigh Brown wisdom in your life? Then don't miss out on my brand-new program, "You Ask. Leigh Answers." It's your exclusive gateway to the insights and advice you need to supercharge your real estate business. With "You Ask. Leigh Answers." you get Direct Access to Leigh Brown, directly! Expert Coaching, Community Connection, and Extensive Resources. Whether listening to this on the go or watching at home, sign up today at Answers.RealEstate and take your business to the next level. Trust me, you'll be glad you did!

Bill and Bryan continue their deep dive into evolving buyer behavior with some eye-opening insights that challenge conventional sales wisdom. In this episode, they tackle the myth of "the decision maker." They explore how buying by committee has become the new normal and why your traditional one-to-one sales training might be preparing you for a world that no longer exists. The guys also discuss the critical importance of elevating the buyer experience beyond just data dumps, why price objections aren't as prominent as they used to be (and the generational factors behind this shift), and how successful salespeople need to paint a clear picture of transformation rather than just making promises. Whether you're struggling to navigate complex buying committees or wondering why your data-heavy presentations aren't closing deals, this episode offers strategies for adapting to today's buyer reality. ================================= Is it time to make a BOLD move in your business? If so, download our brand new book, "12 Bold Moves - Insider Secrete to Reinventing Yourself and Your Business." http://12boldmoves.com The Insider program is open for enrollment. If you have not checked out our small learning group, go to http://advancedsellingpodcast.com/insider to join now. If you haven't already, make sure you join us in our LinkedIn group: http://advancedsellingpodcast.com/linkedin. =================================  

4th Hour of Shan and RJ!

What actually happens when you get a lead? Where do they go? This week we're pulling back the curtain on one of the most common (and overlooked) questions in real estate: what do you do with a lead after you get it? Whether they came from an open house, a sign call, a referral, or your kid's holiday party, every lead needs a place to live, and it's your job to keep track of them so they don't fall through the cracks. In this episode, we walk you through exactly what we do with our leads and the systems we use to stay organized. From Katy's one-sheet paper planner to Alissa's Trello board, we share real-life examples and offer simple, do-able ideas you can start using immediately. NEW TRELLO VIDEO!!! You'll hear about: The difference between an email list, a prospect list, and your database How to decide who goes where How Alissa uses Trello to track leads from pre-approved to ghosted (C is for Crickets!) Katy's buyer lead sheets and weekly activity sheet Why you don't need a fancy CRM to keep up with your leads The one question to ask yourself before adding someone to your database Easy email ideas to stay in touch with cold leads How to track social media connections without being creepy This episode is your friendly reminder that you don't need a perfect system—you just need a system. We'll help you figure out the one that actually works for you.  

Episode 152: Why Pedal Buyers Are Addicted To Trends Welcome to the Chairmen of the Boards Podcast! The ultimate pedalboard podcast with the foremost rig builders in the world: Grant Klassen (Goodwood Audio), Brian Omilion (Omilion Audio), and Mason Marangella (Vertex Effects/The Rig Doctor). We've teamed up to democratize great tone and provide you with our best tricks, tips, resources and hacks so you can build the pedalboard of your dreams!   //SPONSORS// The Guitar Sanctuary - https://theguitarsanctuary.com Neural DSP - https://www.neuraldsp.com (use discount code "chairmen" for 30% off) Best-Tronics - https://btpa.com (use code "dachairs" for 10% off) GB Music & Sound - https://www.gbmusicandsound.com/?ref=Chairmen   //HOSTS// Grant Klassen (Goodwood Audio) YT - ‪@GoodwoodAudio‬ IG - https://instagram.com/goodwoodaudio   Brian Omilion (Omilion Audio) YT - ‪@omilionaudio‬ IG - https://instagram.com/omilionaudio   Mason Marangella (Vertex Effects) YT - ‪@VertexEffectsInc‬ IG - https://instagram.com/vertexeffects   //YOUTUBE// Watch COTB Podcast live: @chairmenoftheboards

In this episode, I demystify the often complex process of preparing your business for sale. From unexpected offers to due diligence, I provide actionable steps to ensure you're ready for any opportunity that comes your way. Learn how to clean up your financials, document operational procedures, and mitigate risks to build buyer confidence. Discover why it's crucial to have GAAP-compliant financial statements, a well-documented corporate structure, and key contracts at your fingertips. Whether you're ready to sell or just want to be prepared, this episode is your go-to guide for making your business a more attractive asset. Tune in now to start taking proactive steps toward a profitable exit strategy!   What You'll hear in this episode: [00:50] Unexpected Offers: The Start of a Business Sale [01:50] Understanding the Letter of Intent (LOI) [02:15] Preparing for Due Diligence [03:20] Importance of Clean Financials [04:20] Key Documents and Metrics for Buyers [11:50] Avoiding Deal Killers [14:50] Final Thoughts and Next Steps   If you like this episode, check out: The Five Steps to Selling Your Business How to Value a Business What Are the 3 Things You Need to Know Before Buying a Business?   Want to learn more so you can earn more?  Visit keepwhatyouearn.com to dive deeper on our episodes  Visit keepwhatyouearncfo.com to work with Shannon and her team  Watch this episode and more here: https://www.youtube.com/channel/UCMlIuZsrllp1Uc_MlhriLvQ  Connect with Shannon on IG: https://www.instagram.com/shannonkweinstein/   The information contained in this podcast is intended for educational purposes only and is not individual tax advice. Please consult a qualified professional before implementing anything you learn.

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What happens when your business doesn't go the way you originally planned? Do you fight to make it work - or follow the opportunity right in front of you?For Rebekah Murray and Colleen Steedly, the co-owners of Dare Gift Boxes, the answer was clear: they embraced the pivot.In this episode, we dive into their incredible journey - how childhood best friends turned business partners transitioned from selling dresses to curating beautiful, thoughtful gift boxes. From navigating big business decisions to structuring a successful partnership, Rebekah and Colleen share an honest, real, and inspiring look at what it's like to grow a product-based business.If you've ever wondered what it's like to build a business with a co-founder, scale corporate gifting, or pivot your brand without losing your identity, this episode is for you.We chat about:How Rebekah went from wedding photographer to fashion founder to gift box curatorWhy listening to the market & your customers (not just your passion) is key to business successThe emotional challenge of pivoting a business you've poured years intoHow to build a strong partnership that actually works The exact criteria they use to source products and choose brands for their boxesWhy brand storytelling, packaging, and communication are everything when pitching to a gift box companyHow small brands can land their product in gift boxesIf you're looking for an inside peek at what it takes to scale a gifting business, work successfully with a business partner, or attract gift box retailers, this is a must-listen.

Richard Gearhart and Elizabeth Gearhart, co-hosts of Passage to Profit Show interview Cameron Bishop from Raincatcher, master storyteller Shatori Shakoor and Yasir Drabu from Taazaa.     In this episode, we sit down with Cameron Bishop, seasoned executive and managing director at Raincatcher, to unpack the emotional, financial, and strategic rollercoaster of selling a business. From lifestyle traps and unsellable companies to post-COVID burnout and vanishing employees, Cameron shares real-world insights into what makes a business truly valuable—and what makes owners finally say, “I'm done.” Read more at: https://www.raincatcher.com/     Satori Shakoor is a master storyteller, writer, and social entrepreneur, best known as the founder and Executive Producer of The Secret Society of Twisted Storytellers®. A former Bride of Funkenstein with George Clinton and Parliament/Funkadelic, she now leads storytelling workshops and offers private coaching to individuals and organizations. Read more at: https://www.satorishakoor.com/     Yasir Drabu is the founder and CEO of Taazaa and leads hundreds of passionate engineers in building advanced custom software solutions for healthcare, finance, eCommerce, and other industries. Taazaa's goal is to make great software more accessible to the organizations that need it, with the core belief that software should make life easier. Read more at: https://www.taazaa.com/   Whether you're a seasoned entrepreneur, a startup, an inventor, an innovator, a small business or just starting your entrepreneurial journey, tune into Passage to Profit Show for compelling discussions, real-life examples, and expert advice on entrepreneurship, intellectual property, trademarks and more. Visit https://passagetoprofitshow.com/ for the latest updates and episodes. Chapters (00:00:00) - Richard and Elizabeth Gearhart on Ramping Up Your Business(00:00:24) - Passage to Profit(00:01:57) - How to Build a Network for Starting Your Business(00:03:33) - Yasir Akhtar on Networking(00:04:46) - How to Network for Your Business(00:08:30) - What Does a Business Broker Do?(00:12:03) - Have You Got a Sellable Business?(00:14:20) - How to Prepare for the Sale of Your Business(00:18:30) - When to Sell Your Business?(00:19:49) - Small Business Health Insurance Hotline(00:21:50) - Business Broker: Should I Sell My Business?(00:24:15) - Amazon's Drone Delivery, in the News(00:26:13) - Patents and Trademarks(00:29:45) - How to Get Your Business Out of Podcasting(00:31:00) - Colon Cancer, the science of it(00:32:33) - Satori Shakur's Secret Society of Twisted Storytellers(00:38:27) - Storytelling at the White House(00:39:21) - Tell Your Story(00:42:11) - Tori on Starting To Tell Stories(00:42:58) - Satori Yakur on Storytellers(00:44:19) - Where to Build a Custom Software Solution?(00:46:24) - What Are Agents in AI?(00:48:43) - How AI is Affecting Your Company(00:50:10) - Can GPTs Be Validated in Business?(00:52:50) - Do You Think People Are Destroying Podcasts?(00:53:31) - How to Get Your Law Job Through AI(00:55:45) - Tax Doctor: How to Solve a Back Tax Debt(00:56:49) - Cameron Bishop on the Future of Tech(00:58:07) - Secret to Starting a Business: Career Resilience(01:00:46) - What is your secret to building a business?(01:01:30) - Passage to Profit

In today's episode, we're dismantling the outdated approaches still choking the coaching space—and replacing them with the actual strategies producing consistent, high-ticket sales right now.Forget funnels, launches, and low-ticket tripwires.Sales Academy has been flooded with the same question from dozens of coaches:“Why am I doing everything ‘right' and still not making weekly sales?”This episode answers that directly.You'll learn:Why qualified leads are skipping your offers (and what to do instead)The truth about cold leads and the 4–6 month buying windowThe structure behind Sales Academy's $10K–$65K client weeks (with no ads or launches)Why the “trust recession” matters more than any discount, bonus, or urgency tacticIf you want to make daily sales feel easy, repeatable, and built on integrity—you'll want to hear every minute._____________SALES ACADEMY ENROLLMENT IS OPEN!We give you structure and consistent sales.Every client starts with this: Cash Sales Blitz to generate immediate revenueBuild a Buyers List™ — an off-platform, cherry-picked list of actual buyersWork that list daily using our Cold to Client Cycle™Qualify leads in 15 minutes or less using the 5-Star Framework™Follow up with power and precision using the FU10x Method™Plug everything into our Power Hour™ so you're done in 2–3 hours a dayIt's simple.It's proven.It's all sales. No fluff. No distractions.This market isn't complicated—it's just different.Buyers don't want hype.They want certainty.They want a clear path.They want to trust that what you're selling is the right fit—and they want to see themselves inside of it.If your content isn't doing that...If your sales convos aren't doing that...You're going to lose them.Not because they weren't a good lead.But because you didn't give them the clarity they needed to buy.Ready to change that?Sales Academy is $5K for the year.No fluff. No filler. No upsells.Just pure SALES strategy built for today's marketRooted in human behavior.Powered by real conversations.Driven by repeatable systems that convert.We're not here to “teach you sales.” We're here to help you consistently make them.If you're showing up, doing the work, and still waiting for your sales to catch up to your effort—this is your move.⁠⁠⁠⁠​Message me on Voxer​⁠⁠⁠⁠ OR ⁠⁠DM me on LinkedIn⁠⁠ to chat about what your path could look like with us.

Fearless Agent Coach & Founder Bob Loeffler shares his insights on How to Handle an Investor with Scott From Denver CO and how it's making his Fearless Agent Coaching Students rich! Fearless Agent Coaching is the Highest Results Producing Real Estate Sales Training and Coaching Program in the Industry and we can prove it will work for you if it's a good fit! Call us today at 480-385-8810 to see if it may be  good fit for you! Telephone Prospecting for Realtors means Cold Calling, Door knocking, Calling for Sale By Owners, Calling Expired Listings, Calling your Sphere of Influence, Farming, Holding Open Houses, but Fearless Agent Coaching Students di all of these completely differently and get massively better results! Find out how! Listen in each week as Bob gives an overview and explains the big ideas behind making big money as a Fearless Agent! If you are earning less selling real estate than you wish you were, and you're open to the idea of having some help, We are here for you! You will never again be in a money making situation with a Buyer, Seller or Investor and not have the right words! You will be very confident! You will be a Fearless Agent! Call Bob anytime for more information about Fearless Agent Coaching for Agents, Fearless Agent Recruiting Training for Broker/Owners, or hiring Bob as a Speaker for your next Event! Call today 480-385-8810 - or go to https://fearlessagent.com Telephone Prospecting for Realtors means Cold Calling, Door knocking, Calling for Sale By Owners, Calling Expired Listings, Calling your Sphere of Influence, Farming, Holding Open Houses, Spin Selling, but Fearless Agent Coaching Students do all of these completely differently and get massively better results! Find out how! Are You an Owner of a Real Estate Company - need help Recruiting Producing Agents - Call today! 480-385-8810 and go to FearlessAgentRecruiting.com and watch our Recruiting Video Real Estate Coaching training Real estate training real estate coaching real estate speaker real estate coach real estate sales sales training realtor realtor training realtor coach realtor coaching realtor sales coaching realtor recruiting real estate agent real estate broker realtor prospecting real estate prospecting prospecting for listings calling expired listings calling for sale by owners realtor success Best Realtor Coach Best Real Estate Coach Spin SellingSupport the show: https://fearlessagent.comSee omnystudio.com/listener for privacy information.

Brian and David discuss gyrations in the bond market this week, provide an update on a Buyer who made their No Regrets offer, and scope out consulting with a client on if paying points to acquire the lowest interest rate is the savvy choice.

經濟學上，其實無所謂嘅「買家市場」（Buyer's Market）又或者「賣家市場」（Seller's Market）。呢種講法我印象中亦好少係香港聽到；香港通常都會話「用家主導」「炒家主導」「投資者主導」。畢竟，市場如果唔係同時都有供求，根本連成交都唔會出現；每一宗成交背後，都一定有「買家」（需求）同「賣家」（供應）。當然，買賣雙方唔同嘅環境下，議價能力都有分別。究竟點解美國嘅市場會有呢種講法？今集同場加映，講吓點解明明網上可以搵到樓盤，仍然要搵地產代理；除咗法律要求以外，我亦都分享一個自己親身中伏嘅經驗。最後，歡迎各位加入新開嘅 WhatsApp 討論區，交流各地樓市資訊與投資經驗。同時，下一次節目我哋會深入探討有規模的資金同機構投資者吸納收租物業對市場產業鏈的影響，再下一集會講吓點樣揀一個幫到你嘅地產代理。 This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit leesimon.substack.com/subscribe

This week's podcast kicks off with senior reporters Gabriela Barkho and Melissa Daniels discussing Klarna's latest earnings, which showed that a growing number of the BNPL service's users defaulting on their loans. In other news, Dockers and The Vitamin Shoppe were both acquired by respective companies. Levi Strauss announced the sale of khakis maker Dockers to Authentic Brands Group for $311 million. The Vitamin Shoppe was bought out by Kingswood Capital Management and Performance Investment Partners for an undisclosed amount. Both sales are examples of struggling retailers trying to find their footing with modern customers. Later in the episode (22:18), Daniels speaks with Liran Golan, the chief supply chain officer at Bansk Beauty that holds hair care brands Amika, Eva NYC and Ethique. They discuss how tariff policy changes can impact brands beyond the duties themselves, with a ripple effect on how brands make, manage and move their product.

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

David sits down with longtime business partners Alex Capozzolo and Jon Sanborn, who've built a lean $1M+ wholesaling operation with just the two of them. They break down how finding a different kind of buyer—someone who doesn't need a massive discount—lets them squeeze $20k+ more out of every deal. You'll learn how they're scaling without a team, why they favor wholetailing over wholesaling, and how Facebook groups still bring them five-figure spreads.Alex Capozzolo and Jon Sanborn co-founded Brotherly Love Real Estate, a real estate investing and house-flipping company based in Philadelphia PA. You can find out more about Brotherly Love Real Estate here: https://brotherlyloveproperties.com/ KEY TALKING POINTS:0:00 - Intro0:16 - Jon Sanborn And Alex Capozzolo On Growing Up Together1:40 - An Overview Of Their Business3:19 - The Exit Strategies They Use5:23 - The Deals They Did In 20236:09 - Expanding Into Commercial9:35 - When They Got Their Start12:03 - How They Got Their Website Built14:02 - What They're Looking Forward To In 202515:01 - Using Hard Money & Getting A Real Estate License20:07 - The Numbers Behind Their Best Cash Flowing Rental21:58 - Why They Don't Do Many BRRRRs22:51 - Using Property Managers30:25 - What They're Looking Forward To In CG31:37 - Outro LINKS:Instagram: Brotherly Love Real Estatehttps://www.instagram.com/BrotherlyLoveRealEstate/ Website: Brotherly Love Real Estatehttps://brotherlyloveproperties.com/ Instagram: David Leckohttps://www.instagram.com/dlecko Website: DealMachinehttps://www.dealmachine.com/pod Instagram: Ryan Haywoodhttps://www.instagram.com/heritage_home_investments Website: Heritage Home Investmentshttps://www.heritagehomeinvestments.com/

Trump is sitting down with the biggest backers of his crypto coin in an event that is reportedly shocking even one of his own kids. Plus, Trump is escalating his fight with Harvard, now blocking the university from enrolling international students.   Learn more about your ad choices. Visit podcastchoices.com/adchoices

Next Steps: Do you ever feel like you're creating great content, but your audience just isn't taking action? What if the goldmine you're seeking is already in your world—just waiting for you to tap in? In this episode, Judy Weber reveals how to transform passive followers into empowered buyers—without needing a massive audience or complicated funnels. Discover practical strategies and mindset shifts to help you recognize, reach, and ignite the clients who are already listening, watching, and waiting for what you have to offer. You'll learn: Why most entrepreneurs overlook the buyers already in their audience The powerful mindset shift to see your followers as your next clients How to craft messaging that moves your best audience members to action Real-life examples of turning silent lurkers into raving fans and paying clients It's time to dig for the gold right beneath your feet and experience miraculous results in your business—right now! Tune in and unlock the goldmine within your audience! ---------------------------------------------------------

@CharlesSchwab's Joe Mazzola says there's a lot to take away from today's trading session. For one, he's "impressed" with the way dip-buyers lifted stocks off session lows despite the developing tariff headlines. On yields, he discusses why yields may not have gained as much traction as others expected. Heading into the long weekend, Joe urges investors to keep an eye on institutional hedging and economic data as signals to be aware of next week.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

We're halfway through May, and let's be real - this spring market isn't what most realtors hoped for.Deals are dragging. Offers are few. Listings are sitting. Buyers want to move but are hesitant. Sellers want premium pricing, but the market won't support it. And agents? They're feeling stuck - and their income is showing it.So in this episode, we're not ranting - we're resetting.I'll show you how to generate momentum even when the market's slow, how to lead when your clients are frozen, and how the best agents are still getting deals done when nothing seems to be moving.Plus, I share some personal reflections from the recent TRREB Realtor Quest Conference - including a real talk breakdown of what worked, what didn't, and what it all says about the state of the industry.If you're feeling stuck, this one's for you.

- Clarification on Crystal Videos and Microscope Resolution (0:11) - New R&D Team and Enoch AI Project (7:44) - Decentralization Docu Series and Upcoming Interviews (11:14) - Financial Market Predictions and Gold and Silver Investments (14:49) - Christopher Green's Analysis and Financial Collapse (24:12) - Trump's Golden Dome Project and Nuclear Threats (43:05) - Bankism and the Dollar's Future (53:53) - Protecting Your Neurology and Methylene Blue (1:01:18) - Excitotoxins and Their Impact on Health (1:05:36) - The Dopamine Revolution and Cognitive Performance (1:12:35) - Introduction and Segment on Crimes Against Humanity (1:17:55) - Promotion of Healthranger Store Products (1:27:04) - Detailed Description of Healthranger Store Products (1:29:39) - Introduction to Ben Fuchs and His Nutritional Pharmacy (1:33:31) - Discussion on Toxicity of Mainstream Skincare Products (1:35:32) - Introduction to Truth Treatment Systems (1:38:42) - Explanation of Transdermal C Serum and Its Benefits (1:40:10) - Discussion on Sun Exposure and Sunscreen (2:13:02) - Conclusion and Final Thoughts (2:13:34) For more updates, visit: http://www.brighteon.com/channel/hrreport NaturalNews videos would not be possible without you, as always we remain passionately dedicated to our mission of educating people all over the world on the subject of natural healing remedies and personal liberty (food freedom, medical freedom, the freedom of speech, etc.). Together, we're helping create a better world, with more honest food labeling, reduced chemical contamination, the avoidance of toxic heavy metals and vastly increased scientific transparency. ▶️ Every dollar you spend at the Health Ranger Store goes toward helping us achieve important science and content goals for humanity: https://www.healthrangerstore.com/ ▶️ Sign Up For Our Newsletter: https://www.naturalnews.com/Readerregistration.html ▶️ Brighteon: https://www.brighteon.com/channels/hrreport ▶️ Join Our Social Network: https://brighteon.social/@HealthRanger ▶️ Check In Stock Products at: https://PrepWithMike.com

#12WeeksToPeak #negotiation #SelfImprovement #LifeLessons In this conversation, I sit down with Andres Lares, a negotiation expert, to discuss the intricacies of negotiation, leadership, and sales training. Believe it or not, we get into the importance of goodwill in business relationships. (I always leave a little meat on the bone so my prospects and business partners want to come back to work with me.)As The Sales Whisperer®, of course, we discuss the value of training.As a Brazilian Jiu-Jitsu practitioner, I discuss being adaptable as a key component of a negotiation training program.As an Air Force veteran, we get into the role of leadership in employee retention. (Unfortunately, leadership is sparse in the military, the private sector, schools, churches, HOAs, PTAs, Little League, and everywhere in between...But I digress.)As usual, balance is key in business and in life, so we look at the need for creating a balance between structure and flexibility in sales processes, as well as the significance of self-reflection and feedback for personal growth."The worst-case scenario is not a no."We agree on the philosophy of incremental improvement and the necessity of practice and preparation in negotiation and in life.We also agree on the intricacies of negotiation and the importance of tailored training for effective communication. You must understand the buyer's perspective and maintain integrity in your business: prospecting, selling, and fulfillment roles.As we say in the military, the more you bleed in training, the less you bleed in battle, so we dive into the significance of preparation, emotional intelligence, and the role of negotiation training in building confidence and credibility.Finally, Lares shares insights on the challenges of hiring skilled facilitators and the value of asking the right questions to uncover the truth in negotiations."Nothing convinces like conviction."GUEST INFO:Guest Site: https://www.shapironegotiations.com/resources/books/Guest LinkedIn: https://www.linkedin.com/in/andreslares/Guest X: https://x.com/sninegotiationsGuest Instagram: https://www.instagram.com/shapiro_negotiations_institute/00:00 Introduction to Negotiation and Leadership02:49 The Power of Nice in Negotiation06:08 Value-Based Negotiation Strategies09:05 The Importance of Training and Adaptability11:59 Balancing Structure and Flexibility in Sales14:55 The Role of Leadership in Employee Retention18:10 Investing in People for Long-Term Success20:56 The Incremental Improvement Philosophy24:04 The Role of Feedback and Self-Reflection27:11 The Importance of Practice and Preparation30:48 The Art of Negotiation and Training39:41 Understanding the Buyer's Perspective42:15 The Importance of Integrity in Sales46:43 Tailored Training for Effective Negotiation53:19 Books and Resources for Negotiation SkillsNot for the mediocre majority: Learn how I get more done in a quarter than most achieve in a decade in 12 Weeks To Peak™ https://wesschaeffer.com/12wConnect with me:X -- https://X.com/saleswhispererInstagram -- https://instagram.com/saleswhispererLinkedIn -- http://www.linkedin.com/in/thesaleswhisperer/#12WeeksToPeak #SalesTraining #GoalSetting #PersonalDevelopment

Housing inventory is surging across the U.S., with new listings up over 11% and total active listings rising more than 30% year-over-year. But despite more homes hitting the market, many buyers are still on the sidelines—held back by high mortgage rates and ongoing affordability concerns. In this episode, Kathy Fettke breaks down the latest data from Realtor.com's Weekly Housing Trends Report and explains why increased supply isn't translating into stronger demand. You'll also hear insights on inflation, Federal Reserve policy, and how buyer sentiment is shifting as the typical home spends longer on the market. LINKS Download Your Free Top 5 Cities to Invest in 2025 PDF!https://www.realwealth.com/1500 JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1 FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS Real Estate News: Real Estate Investing Podcast: https://link.chtbl.com/REN SOURCE: https://www.realtor.com/news/trends/mortgage-interest-rates-now-may-8-2025/  TOPICS DISCUSSED: 00:00 Housing Inventory 00:27 Realtor.com's New Report 00:54 Total Active Listings 01:25 Economic Indications 02:00 Days on Market 02:18 Home Pricing 02:40 Buyer Activity   

What if your toy's price point was the only thing standing between you and a “yes” from a major retailer? You've got the product, the mission, and maybe even a booth at Toy Fair but if buyers are walking by without placing orders, it might not be your toy that's the problem… it might be the price.In this episode, you'll hear how one Toy Creators Academy alum adjusted her pricing to better meet buyer expectations and how that decision opened the door to more retailer interest and shelf space.I'm sharing a powerful conversation I had at Toy Fair with Samantha Ong, founder of Joey Dolls — the World's Most Diverse Asian Doll brand. Before launching her toy line, Samantha was a professional photographer, and now she's built a brand that's not only beautiful, but mission-driven and retail-ready. You'll hear how she made her debut in the toy space through the Toy Creators Academy Showcase, and how she's now taking Joey Dolls to a whole new level, earning serious interest from retailers.You'll learn how to use trade shows to gather feedback that helps refine your pricing and packaging strategy, the exact price point that helped Samantha grow her product line, and which packaging details buyers actually care about. We'll also get into how working with reps and consultants can seriously boost your visibility at trade shows and Samantha opens up about the lessons she learned and what she really wishes she knew before setting up her very first Toy Fair booth.Hit play and find out how a smart pricing pivot and trade show prep made all the difference for this toy creator.Listen for these Important Moments:[00:07:26] -  Find out how a $19.99 price point helped Samantha make her dolls more appealing to retailers and budget-conscious families so you can rethink your own pricing.[00:08:16] - Learn what buyers said about boxed vs. unboxed toys and how you can choose packaging that fits your audience and your margins.[00:13:01] - One buyer needed the product before Q4—proof that not all retailers follow the same calendar. Understanding this could help you close more deals.[00:14:03] - Discover how working with reps helped Samantha bring traffic to her booth so you're not standing there hoping buyers just wander in.[00:16:02] - Learn how the right booth location could mean more foot traffic and exposure for you.Send The Toy Coach Fan Mail!Support the showPopular Masterclass! How To Make & Sell Your Toy IdeasYour Low-Stress, Start-To-Finish Playful Product Launch In 5 Steps >> https://learn.thetoycoach.com/masterclass

The venture capital landscape is evolving fast, and founders who don't adapt will be left behind. Roy Luo, General Partner at ICONIQ Growth, shares insights on the shifting dynamics of startup funding and what it takes to scale in 2025. With investments in companies like Figma, Canva and Ramp, Roy breaks down key trends in fintech, AI-driven business models and the future of venture capital.Specifically, Roy discusses: (06:46) TCV provided key lessons in investing, founder relations and tech disruption.(11:25) How AI is transforming startups and the VC landscape.(17:00) How to evaluate product-market fit beyond just revenue metrics.(24:45) The importance of strong investor-founder alignment in building long-term partnerships.(37:44) Buyer pain points and trends guide investment decisions.(41:03) Lessons from high-growth investments like Ramp and FloQwcast.(53:04) The characteristics of successful startups and the importance of founder-market fit.(57:06) How identity and anti-fraud solutions are shaping the next wave of fintech.Resources Mentioned:Roy Luohttps://www.linkedin.com/in/roybluo/ICONIQ Growth | LinkedInhttps://www.linkedin.com/company/iconiq-capital-llc/ICONIQ Growth | Websitehttps://www.iconiqcapital.com/growthThis episode is brought to you by:Leverage community-led growth to skyrocket your business. “From Grassroots to Greatness” by author Lloyed Lobo will help you master 13 game-changing rules from some of the most iconic brands in the world — like Apple, Atlassian, CrossFit, Harley-Davidson, HubSpot, Red Bull and many more — to attract superfans of your own that will propel you to new heights. Grab your copy today at FromGrassrootsToGreatness.com.Each year the US and Canadian governments provide more than $20 billion in R&D tax credits and innovation incentives to fund businesses. But the application process is cumbersome, prone to costly audits, and receiving the money can take as long as 16 months. Boast automates this process, enabling companies to get more money faster without the paperwork and audit risk. We don't get paid until you do! Find out if you qualify today at https://Boast.AI.Launch Academy is one of the top global tech hubs for international entrepreneurs and a designated organization for Canada's Startup Visa. Since 2012, Launch has worked with more than 6,000 entrepreneurs from over 100 countries, of which 300 have grown their startups to seed and Series A stage and raised over $2 billion in funding. To learn more about Launch's programs or the Canadian Startup Visa, visit https://LaunchAcademy.ca.Content Allies helps B2B companies build revenue-generating podcasts. We recommend them to any B2B company that is looking to launch or streamline its podcast production. Learn more at https://contentallies.com.#VentureCapital #StartupFunding #Fintech #Product #Marketing #Innovation #StartUp #GenerativeAI #AI

Welcome back to America's #1 Daily Podcast,  featuring America's #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris?  Visit: https://whylibertas.com/harris or text Tim directly at 512-758-0206. ************************

You're afraid to promise results.   But you want people to pay premium prices.   It doesn't work that way.   In this week's episode, I'm breaking down the real reason your offer feels hard to sell— And why “playing it safe” in your messaging is costing you clients.   During the episode, I talk about: Why talking about features isn't enough What happens when you dance around the transformation How to confidently promise results to the right people   If your offer is great but it's not selling like it should, this episode is your reset.   Connect with me outside the podcast!  Continue the conversation in the Market Like a Boss Facebook group.  Give me 30 minutes and I'll show you how to add $5K–$10K/month…without adding a single hour to your schedule. Book your free Stability Audit now.   Listen + Subscribe on ITUNES or STITCHER I'd greatly appreciate a podcast rating and review so that this podcast can reach more women!  Search for the podcast in your podcast app (Market Like a Boss) Scroll down and click 5 stars Tap “Write a Review” & enter a brief review Press send  

How do you research tools and products on the internet without getting ripped off or disappointed? We go over some techniques that might help.  Barbara and Susy discuss why clients might lie, and Randy from Precision sharp tells us the differences between human and pet tools.  

Keith discusses the mortgage landscape, emphasizing the benefits of cash-out refinances with Ridge Lending Group President, Caeli Ridge. They unpack the Trump administration's plan to privatize Fannie Mae and Freddie Mac, which could impact the mortgage market. Investors are discovering powerful strategies to leverage property equity and optimize their financial portfolios. By understanding innovative borrowing techniques, savvy real estate investors can access tax-efficient capital and create sustainable wealth-building opportunities. Consider working with a lender that specializes in investor-focused loan products and provides comprehensive education on the options available.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/554 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, we're talking about the mortgage loan landscape in this era. Is title insurance a rip off today? Is it worth it for you to pay discount points at the closing table to get a lower interest rate? Learn about how a cash out refinance. Is your ability to borrow tax free, much like a billionaire does, and what are the dramatic changes that the current administration could take to alter the mortgage environment for years, all today on get rich education.    Speaker 1  0:34   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:20   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:36   Welcome to GRE from Liverpool, England to Livermore, California and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education, the voice of real estate. Since 2014 it's been estimated that there are about 800 billionaires in USA, and hey, you might be one of them, but there's a pretty good chance that you aren't well. When it comes to lending and mortgages, you can actually take a page out of a billionaires playbook and do something very much like what they do whenever you perform a cash out refinance if you've got dead equity in a property, and you can borrow against your own home to a greater extent than you can against your rental properties, even either one of those is a tax free event, you've now got tax free cash, and you can use that money on anything from investing it in the stock market To using your proceeds for a down payment on more real estate or buying a boat or going to Disneyland, and you didn't have to relinquish your asset at all. You continue to hold on to the asset. Now, the mechanics are somewhat different, sure, but when you do a cash out refinance like this, it's a bit like billionaires borrowing against their stock. Instead, you're borrowing against the value of your real estate. In fact, listening to this short clip, it's Trevor Noah talking about how billionaires do exactly this, and you'll notice that the crowd laughs because it actually sounds funny that you can really do this,    Speaker 2  3:22   the shares that they hold in a company, because it is an unrealized gain, right? So they go like, yeah, you're worth 300 billion, but we can't tax you on those stocks because you haven't sold the shares, so you don't, like, have the money. And I understand the argument. They go like, No, you don't have it. It's just what it's worth, because it will also crash, and then you have nothing, so we can't tax you on it. Then I'm like, Okay, I understand that. Then Elon Musk offers to buy Twitter, all right? He offers to buy it. And then he says in his offer, he goes, I'm putting up my Tesla stock as collateral. Then I'm like, so you do have it? Then he's like, no, no, no, no, I don't have it. I don't have it. I'm just gonna say so then they accept the offer. He now buys Twitter. Now that they've accepted his offer, he now goes to private equity and banks and like other rich people and whatever. He goes like, can you guys borrow me the money to buy Twitter? And then he's like, I'm I want to buy Twitter because I don't want to sell any of my Tesla shares, so I want to use your money to buy Twitter. And then it's like, but then they're like, What are we loaning it against? And he's like, Well, my Tesla shares. Then I'm going, like, Wait, so, so you, you can, you can buy a thing based on what you have, yes, but when we want to tax you, you can say, I don't have it. Do you hear what I'm saying here?   Keith Weinhold  4:46   Yeah, you can borrow against your real estate if you have substantial equity in it. We'll talk about just how much now billionaires borrow against their stock holdings using financial products like portfolio lines of credit or. For securities based loans. These are the names for how they do it, essentially taking out loans and using their stock as collateral. And this allows them to access cash without selling their assets and without incurring capital gains taxes, much like you can so you can say that you don't want to sell your property in you don't have to go through some capital raising round either, like a billionaire might have to when they're borrowing against their stock. You can just have a more standard mortgage application for your cash out refinance, and you don't even have to have a huge portfolio. I mean, even if you just own one 500k property with 50% equity in it, you can do this so it's available to most any credit worthy person, again, tax free. But of course, this doesn't mean that you always should take this windfall, because it often creates a higher monthly payment. You've got to be the one that makes that decision in controlling your cash flows, that is key. I'll talk about that some more with today's terrific guests. Also the Trump administration's desire to privatize Fannie Mae and Freddie Mac we're going to talk about that and what that would do to the mortgage landscape. I am in the USA today, next week, I'll be bringing you the show from London, England for the first time, the following week, from Edinburgh, Scotland. Yes, the mobile GRE Studio will be in effect. I typically set it up myself, and I usually don't need the help of the hotel staff for an appropriate Sound Studio either. And then shortly after that, I will be in Anchorage, Alaska, where I'm competing in these fantastic mountain running races. And then by next month, that's where I hope to meet up with you in person for nine days of learning and fun, as I'll be in Miami as part of the faculty for the terrific real estate guys invest or summon at sea, where we're all going to disembark from Miami and go to St Thomas, St Martin and the Bahamas, and then after that great event, it is a long flight from Miami back to Anchorage again. And that's got to be one of the longer domestic flights, not just in the nation, but in the world, Miami to Anchorage, and then shortly after that, I will be in the Great Northeast early this summer, New York and Pennsylvania, including for my high school reunion. So I'll really be putting the miles on these next couple months. One interesting thing that I've noticed for next week's show, where I'll be joining you from London, is how much I'm paying per night at both my hotel in England and then later my hotel in Scotland. That's obviously a short term real estate transaction. These are some of the more expensive places in the world, really. So next week and then the week after, I just think you'll find it interesting. I'll tell you how much I'm spending per night in both London and then Edinburgh. And they're both prime locations, where the hotels are the center of London and then right on Edinburgh's Royal Mile. That is in future weeks as for today, let's talk about the mortgage landscape with this week's familiar and terrific guest.   I'd like to welcome in one of the more recurrent guests in our history, so she needs little introduction. She's the longtime president of the mortgage company that's created more financial freedom for real estate investors than any lender in the nation because they specialize in income property loans. It's where I get my own loans for my own rental properties. Ridge lending group. Hey, welcome back to GRE Caeli ridge.    Caeli Ridge  8:57   Thank you, Keith. You know I love being here with you and your listeners. I appreciate you having me.   Keith Weinhold  9:01   You've helped us for so long. For example, who can forget way back in episode 56 Yeah, that's a deep scroll back when Chaley broke down each line of a good faith estimate for us, that's basically a closing statement sheet. She told us exactly what we pay for at the closing table, line by line like origination fee, recording costs and title insurance so helpful. It's just the sort of transparency that you get over there. Buyers pay for title insurance at the closing table. It is title insurance a rip off. A few years ago, a lot of people speculated that title insurance would fade away because the property's ownership could be transparent and accessible to everybody on the blockchain, but we don't really see that happening. So tell us about title insurance, and really, are we getting value in what we pay for there at the closing table?   Caeli Ridge  9:54   Well, I think the first thing I would say is that it really isn't going to be an option as far as I. Know, as long as the individual is going to source institutional funding leverage use of other people's money, they're going to require the lender, aka Ridge lending, or whoever you're working with, they're going to require that title insurance that ensures their first lien position. Doing that title search, first and foremost, is going to make it clear that there isn't some cloud on title, that there isn't some mechanic lien that had been sitting out there for however many years it may have just been around. And those types of things never go away. So for a lending perspective, it's going to be real important that that title insurance is paid for and in place to protect their interests, things like judgments, tax liens, like I said, a mechanic's lien, those will automatically take a first lien position in front of a mortgage. So obviously we're not going to risk that and find ourselves in second lien position in the event of default and somebody else is getting paid before we are. So not really an option. Is it a rip off? I don't know enough about how often it's paid out, and not to speak to that, but I will tell you that it isn't a choice.   Keith Weinhold  11:07   Title Insurance, like Shaylee was talking about. It protects against fraud related to the property's ownership, someone else claiming rights to the property, and this title search that an insurer does it also, yeah, it looks for those liens and encumbrances, including unpaid taxes, maybe unpaid HOA dues, but yeah, mortgage lenders typically require title insurance, and if you the borrower, you might think that's annoying. Well, it does make sense, because the bank needs to protect their collateral. If a bank ever has to foreclose, they need to have access to you, the borrower, to be able to do that without any liens or ownership claims from somebody else. Caeli, how often do title insurance companies mess up or have to pay out a claim? Does that ever happen?   Caeli Ridge  11:50   I mean, if I have been involved in a circumstances where that was the case, it's been so many years ago, they're pretty fastidious. I don't know that I could recall a circumstance where something had happened and the title insurance was liable. They go through the paces, man, they've got to make sure that, and they're doing deep dives and searches across nationwide to make sure that there isn't any unnecessary issue that's been placed on title Not that I'm aware of. No.    Keith Weinhold  11:50   Are there any of those other items that we tend to see on a good faith estimate that have had any interesting trends or changes to them in the past few years?    Caeli Ridge  12:27   Yeah, I've got a good one, and this is actually timely credit reports. So over the last couple of years, something has been happening with credit reports where, you know, maybe three, four years ago, a credit report, let's say a joint credit report, a husband and wife went and applied that credit report might cost 25 bucks. Well, now it's in excess of 100 plus. Some of what we're going to be talking about today, it kind of gets into the wish list of Jim neighbors, who is the president of the mortgage brokers Association. He's been talking to the administration about some of his wishes, and credit report fees is actually one of the things that they're wanting to attack and bringing those costs down for the consumer. So when we look at a standard Closing Disclosure today, credit report costs have increased significantly. I don't have the percentages, but by a large margin over the last couple of years,    Keith Weinhold  13:21   typically not one of your bigger costs, but a little noteworthy. There one thing that people might opt and choose to have on their good faith estimates, so that borrower therefore would actually pay more out of pocket with today's higher mortgage rates. And I'm sure not to say high, because historically, they are not high. Do we see more people opting to pay discount points at the closing table to get a lower rate and talk to us about the trade offs there   Caeli Ridge  13:46   right now, first and foremost, that there isn't a lot of option for investment property transactions, whether it be a purchase or refinance. There's not going to be that option where the consumer gets to choose to say, Okay, I want to pay points for a lower rate or not pay points for a higher rate the not paying points is the key here. There isn't going to be a zero point option for investment property transactions. And this gets a little bit convoluted, and then I'll circle back and answer the question of, when does it make sense to pay the points, more points versus less points? We have been in a higher rate environment that I think a lot of people have become accustomed to as a result secondary markets, where mortgage backed securities are bought and sold, they keep very close tabs on the trends and where they think things are headed. Well, something called YSP, that stands for yield, spread, premium, under normal market circumstances, a consumer can say, okay, Caeli, I don't want to pay any points. Okay, I'll take this higher interest rate, and I don't want to pay any points, because that higher interest rate is going to have YSP, yield, spread, premium to pay compensation to a lender, and you know, the other third parties that may be involved in that mortgage backed security. But. Sold and traded, etc, okay? They have that choice under normal market circumstances. Not the case right now, because when this loan sells the servicing rights, whoever is going to pick up the servicing rights, so when Mr. Jones goes to make his mortgage payment, he's going to cut a check to Mr. Cooper. That's a big one, right? Or Rocket Mortgage, or Wells Fargo, whoever the servicer is, the servicing rights are purchased at a cost. They have to pay for the servicing rights, and let's say that's 1% of this bundle of mortgage backed securities that they're purchasing. Well, they know the math is, is that that servicer is going to take about 36 months before that upfront cost is now in the black or profitable. This all will land together. Everybody, I promise you stick with me, so knowing that we've got about a 36 month window before a servicer that picked up the rights to service this mortgage is going to be profitable in a higher rate environment, as interest rates start coming down, what happens to the mortgage that they paid for the rights to service 12 months ago, 18 months ago, that thing is probably going to refinance right prior to the 36 month anniversary of profitability. So that YSP seesaw there is not going to be available for especially a non owner occupied transaction. So said another way, zero point rates are not going to be valid on a non owner occupied transaction in a higher rate environment when secondary markets understand that the loans that are secured today will very likely be refinanced prior to profitability on the servicing side of that mortgage backed security that is a risk to the lender, yes. So we know that right now you're not going to find a zero point option. Now that may be kind of a blanket statement. If you were getting a 30% loan to value owner occupied mortgage with 800 credit scores, you know that's going to be a different animal. And of course, you're going to have the option to not pay points. The risk for that is nothing. Okay, y SP is going to be available for you, the consumer, to be able to choose points at a lower rate, no points higher rate. When does it make sense to pay additional points? Let's say to reduce an interest rate, the break even math. And you know, I'm always talking about the math, the break even math is actually the formula is very simple. All you need to do is figure out the cost of the points. Dollar amount of the points, let's say it's $1,000 and that's what it's going to cost you to, say, get an eighth or a quarter or whatever the denomination is, in the interest rate reduction. But you aren't worried about the interest rate necessarily. You're looking at the monthly payment difference. So it's going to cost you $1,000 in extra points, but it's only going to save you $30 a month in payment when you divide those two numbers, what's that going to take you 33 months? 30 well, okay, and does that make sense? Am I going to refinance in 33 months? If the answer is no, then sure pay the extra 1000 bucks. But that's the math, the cost versus the monthly payment difference divide that that gives you the number of months it takes to recapture cost versus cash flow or savings, and then you be the determining factor on when that makes sense.    Keith Weinhold  18:10   It's pretty simple math. Of course, you can also factor in some inflation over time, and if you would invest that $1,000 in a different vehicle, what pace would that grow at as well? So we've been talking about the pros and cons of buying down your mortgage rate with discount points before we get into the administration changes. Cheley talk about that math in is it worth it to refinance or not? It's a difficult decision for some people to refinance today with higher mortgage rates than we had just a few years ago, and at the same time, we've got a lot of dead equity that's locked up.   Caeli Ridge  18:40   I would start first by saying, Are we looking to harvest equity? Are we pulling cash out, or are we simply doing a rate and term refinance where we're replacing one loan with another loan, if it's for rate and term, if we're simply replacing the loan that we have today with a new loan, that math is going to be pretty simple. Why would you replace 6% interest rate with a 7% interest rate? If all other things were equal, you wouldn't unless there was a balloon feature, or maybe an adjustable rate mortgage or something of that nature involved there that you have to make the refinance. So taking that aside, focusing on a cash out refinance, and when does it make sense? So there's a little extra layered math here. The cash that you're harvesting, the equity that you're harvesting, first of all, borrowed funds are non taxable. What are we going to do with that pile of cash? Are we going to redeploy it for investing more often than not talking to investors? The answer is yes. What is that return going to look like? So you've got to factor that in as well, and then we'll get to the tax benefit in a moment. But generally speaking, I like to as long as the cash flow is still there, okay, you've got to have someone else covering that payment. Normally, there's exceptions to every rule. I don't normally advise going negative on a cash out refi. There are exceptions. Okay, please hear me. But otherwise, as long as the existing rents are covering and that thing is still being paid for by somebody else, then what you want to do is look at that monthly payment. Difference again, versus what you're getting out of it. And then you divide those two numbers pretty simply, and it'll take you how long. And then you've got a layer in the cash flow that you're going to get from the new acquisitions, and whether that be real estate or some other type of investment, whatever the return is, you're going to be using that to offset. And then finally, I would say, make sure that you're doing adding in the tax benefit. These are rental properties guys, right? So closing costs can be deducted now that may end up hurting debt to income ratio down the road. So don't forget, Ridge lending is going to be looking at your draft tax returns. Very, very important to ensure that we're setting you up for success and optimizing things like debt to income ratio on an annual basis.   Keith Weinhold  20:40   Now, some investors, or even primary residence owners might look at their first and only mortgage on a property, see that it's 4% and really not want to touch that. What is the environment and the appetite like today for having a refinance in the form of a second mortgage? That way you can keep your first mortgage in place and, say, 4% get a second mortgage at 7% or more. How does that look for both owner occupied and non owner occupied properties today?   Caeli Ridge  21:07   you're going to be looking at prime, plus, in many cases, if you don't want to mess with a first lien, a second lien mortgage is typically going to be tied to an index called prime. Those of you that are familiar with this have probably heard of that. Indicee. There's lots of them. The fed fund rate, by the way, is an index. There's lots of them. The Treasury is also another index. Prime is sitting, I think, at seven and a half percent. So you're probably going to be looking at rate wise, depending on occupancy and credit score and all of those llpas that we always talk about, loan level, price adjustment. You know, it could be prime plus zero, it could be prime plus four. So interest rates could range between, say, seven and a half, on average, up to 11 even 12% depending on those other variables. More often than not, those are going to be interest only. So make sure that you're doing that simple math there. And I would prefer if I'm giving advice the second liens, the he loan, which is closed ended, very much like your first mortgage, it's just in second lien position. It's amortized over a certain period of time, closed ended. Not as big a fan of that. If you can find the second liens, especially for non owner occupied, I would encourage it to be that open ended HELOC type.    Keith Weinhold  22:15   What are we looking at for combined loan to value ratios with second mortgages    Caeli Ridge  22:19   on an owner occupied I think you'd be happy to get 90. I think I've heard that in some cases, they can go up to 95% in my opinion, that would go as high as they'll let you go right on a non owner occupied, I think you'd be real lucky to find 80, and probably closer to 70.    Keith Weinhold  22:34   That really helps a lot with our planning. Well, the administration that came in this year has made some changes that can create some upheaval, some things to pay attention to in the mortgage market. We're going to talk about that when we come back. You're listening to get rich education. Our guest is Ridge lending Group President, Caeli Ridge I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaeli Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866   Hal Elrod  24:38   this is Hal Elrod, author of The Miracle Morning and listen to get rich education with Keith Weinhold, and don't put your Daydream.   Keith Weinhold  24:55   Welcome back to get rich education. We're talking about mortgages again, because this is one. Where leverage comes from. I'm your host. Keith Weinhold, we're sitting down with the president of ridge lending group, Caeli Ridge, and I know that she has some knowledge and some updates on new administration leadership and some potential changes for the market there. What can you tell us? Caeli   Caeli Ridge  25:16   I'm pretty excited about this one, and I'm watching very diligently to see how it unfolds. So the new director of the FHFA Federal Housing Finance Agency, all is Bill Pulte. This is the grandson of Pulte Homes. Okay, smart guy. I'm excited to see what he's going to come in and do. Well. He had recently, I think in the last couple of weeks, he put out in the news wires asking for feedback from the powers that be, related to Fannie and Freddie, what improvements they would like to see. So first up was Jim neighbors. He is the president of the mortgage brokers Association. He had a few very specific wish list items, if you will. And the first one on his list was the elimination of LLP, as for non owner occupied and second home. So let me just kind of paint a picture here, because there's some backstory I think is important. So an LLPA, for those of you that have never heard that term before, stands for a loan level price adjustment. And a loan level price adjustment is a positive number or a negative number that associates with the individual loan characteristics. So things like loan to value or loan size, occupancy is a big ll PA, the difference between an owner occupied where you live and one that you're going to use as a rental property, that's a big one. Credit score, property type, is it a single family? Is it a two to four? Is this a purchase? Is it a refi? Anyway, all of those different characteristics are ll pas. Well, if we take a step back in time, gosh, about three years ago now, Mark Calabria, at the time, was the director of the FHFA, and he had imposed increases, specific increases. This was middle of 22 I want to say specific increases to the LL pas for non owner occupied property. So if anybody kind of remembers that time, we started to really see points and interest rates take that jump sometime in 2022 more than just the traditional interest rate market and the fluctuations. This was very material to investment property and second home, but we'll focus on the investment property. So Mr. Jim neighbors came in and said, first and foremost, I'd like to see those removed, and I want to read something to the listeners here, because I thought it was very interesting. This is something I've been kind of preaching from the the rooftops, if you will, for many, many years. Yeah, we've got neighbors sticking up for investors here. He really is. And I Yeah, well, yes, he is. And more often than not, they're focused on the owner occupied so I'm just going to kind of read. I've got my cheat sheet here. I want to make sure I get it all right for everybody. So removal of the loan level price adjustments on investment properties and second homes, he noted that these risk based fees charged by Fannie and Freddie discourage responsible buyers from purchasing second homes and investment properties, with that insignificant increase to cost. And here's the important part, originally introduced to account for additional credit risk, many of the pandemic era llpa increases were not based on updated risk metric. In fact, data has shown that loans secured by investment properties often have strong credit profiles and lower than expected default rates. I mean, anybody that has been around long enough to see what we've come from, like, 08,09, and when we had the calamity of right, the barrier for entry for us to get any conventional financing as investors has been harsh. I mean, I make that stupid joke of vials of blend DNA samples. But aside from it being an icebreaker, it kind of feels true. We really get the short end of the stick. And I feel like as investors especially, post 08,09, our credit profiles, our qualifications, the bar is so high for us, the default risk there has largely been removed. We've got so much skin in the game. With 20 25% down, credit score is much higher, debt to income ratios more scrutinized, etc, etc. So I think that this is, if it passes muster. I think this is going to be a real big win for the non owner occupied side of agency, Fannie, Mae, Freddie, Mac lending.   Keith Weinhold  29:13    The conventional wisdom is, is that if you the borrower, get into financial trouble, you're more likely to walk away from your rental properties than you are your own home and neighbors, sort of like a good neighbor here sticking up for us and stating that, hey, us, the investors, we're actually highly credit worthy people.   Caeli Ridge  29:29   Yeah, absolutely. So fingers crossed. Everybody say your prayers to the llpa and mortgage investor rates gods.   Keith Weinhold  29:37   we'll be attentive to that. What other sorts of changes do we have with the administration? For example, I know that Trump and some others in the administration have talked about privatizing the GSEs, those government sponsored enterprises, Fannie, Mae, Freddie Mac and what kind of disruption that would create for the industry. Is it really any credence to that?   Caeli Ridge  29:58   They've been talking about it for. For quite a while. I mean, as long as Trump has been kind of on the scene, that's been maybe a wish list for him. I don't see that happening over the next years. That is an absolute behemoth to unpack and make a reality. Speaking of Mark Calabria, he was really hot and heavy on the trails of doing that. So what this is, you guys so fatty Freddy, are in conservatorship that happened back post 08,09, and privatizing them and making them where it is not funded, or conservatorship within the United States government. Now it still has those guarantees against default. It's a very complicated, complex, nuanced dynamic of mortgage backed securities, but if we were to privatize them at some point now, am I saying that that's a bad thing? No, not necessarily, but I think it has to be very carefully executed, and because there are so many moving parts, I do not think that just one term of presidency is going to make that happen. If we do it, it's going to be years down the road from now. Is my crystal ball. I don't think we're going to see that anytime soon.    Keith Weinhold  30:58   That's interesting to know. Are there any other industry changes that are important, especially for investors, whether that has to do with the change in administration or anything else?   Caeli Ridge  31:08    Well, specific to that wish list from Mr. Neighbors, one of the other things that he had asked, and there were quite a few, for owner occupied changes as well, he wants to reduce the seasoning for cash out refinances of investment properties, which would be huge good. Yeah, right now it's 12 months on a cash out refinance given very specific acquisition details. Okay, I won't go down that rabbit hole, but currently, if you haven't met exactly these certain benchmarks, you may have to wait 12 months to pull cash out of a property from the day that you acquire it, he's asking that that be pulled back to about six months, which would be nice   Keith Weinhold  31:46   reducing the seasoning period from 12 months to six months, meaning that an investor a borrower, would only need to own that property for that shorter duration of time prior to performing a refinance.   Caeli Ridge  31:58    Cash out refinance, no seasoning required on a rate and term. This is specific for cash out. But again, for cash out, but exactly right   Keith Weinhold  32:04   now, one trend that I think about sometimes, especially when I think back to 2008 2009 days since I was an investor through that time, is, are there any signs in the reduction of the appetite or the propensity to lend, to make loans. So how freely is credit flowing?    Caeli Ridge  32:25   I think pretty freely. I'm not seeing that they're tightening the purse strings. That's not the lens that I'm looking at it from, and I try to keep that brush stroke broad. There have been, I think that on the post, close side, there's been a little extra from Fannie Freddie, and I think that has to do with profitability markers. But overall, I'm not seeing that products are disappearing necessarily, or that guidelines are really becoming even more cumbersome. If anything, I would say it's maybe the reverse of that, and I do believe that probably is part and parcel to this administration and the real estate background that comes with it.   Keith Weinhold  32:59   One other thing I pay attention to, but it just really hasn't been much of a story lately. Are delinquencies in foreclosures. It seems like they've ticked up a little bit, but they're still both really historically low and basically a delinquency being defined as when a borrower makes one late payment, and foreclosures being the more severe thing, typically a 120 days late or more. Any trends there? I'm not   Caeli Ridge  33:24   seeing any now. And in fact, I would tell you that, because we focus so much on investor needs, first payment default is I can count on less than one hand, if I had to, how many times I've seen that happen with our clients over 25 years. So nothing noteworthy there for me.    Keith Weinhold  33:40   Yes. I mean, today's borrowers are just flush with equity. Nationally, there's a loan to value ratio of 47% which is healthy, in a sense. On average, borrowers have a 53% equity position. Of course, the next thing, I think, is like, I don't really know if that's a smart strategy. They're not really getting that much leverage out there. But I think a lot of people just have the old mentality of get it paid off.    Caeli Ridge  34:06   And I think that depending on where you are in your journey, I mean, if you're in phase three, right, where you're just really looking at these investments, these nest eggs to carry you into your retirement and or for legacy reasons, fine, but otherwise, I may argue the point in that I don't care that you have a 3% interest rate on an investment property, or whatever it may be, if it's sitting there idle and as long as it can cash flow, the true chances of those individuals of keeping that mortgage that they got in 2020, 2021, etc, at those ridiculously low interest rates and stroking 360 payments later to pay it to zero is a fraction of a percent right now, whether they're on the sidelines for something else, I don't know, but that debt, equity, I think, is hurting them more than a 3% interest rate is helping them.   Keith Weinhold  34:52    And a lot of times, the mindset of someone is, if they don't need to build wealth anymore, and they're older and they already built wealth, they don't care if they're loaned to value. Was down to zero, and they have it paid off, whereas someone that's in the wealth building phase probably wants to get more leverage. Yeah, Chaley at risk lending group, there you see so many applications come in, and especially since you're an investor centric lender, I like to ask you what trends you're seeing. What are people buying? What are people doing? Are they refinancing? Are they paying loans off? Are they trying to take out more credit? Are there any overall trends with investors that you see in there    Caeli Ridge  35:29   right now? I think the all in one is a clear winner there. The all in one, that first lien, HELOC, that you and I talked about, we broke my little corner of the internet with that one, that one is a front runner for sure, on the refinance side, specifically, we are seeing quite a bit more on the refi side of things, that equity is kind of just sitting there. So even though, if the on one isn't a good fit for them, I'm seeing investors that are willing to tap into that equity instead of just sitting around and waiting for them to potentially lose some equity if the housing market does start to take some decline. And then I would say, on the purchase transaction side, something that's kind of piqued my interest is the pad split. I'm looking at that more often where, for those that are not familiar, you can probably speak more to this, Keith, they're buying single family resident properties, even two to four unit properties, and a per bedroom basis, turning those into rental properties. And they're looking to be quite profitable. So I've got my eyes on that too.   Keith Weinhold  36:23   before we ask how we can learn more about you and what you do in there at Ridge Kayle. Is there any last thing that you'd like to share? Maybe a question I did not think about asking you, but should have.    Caeli Ridge  36:35   I would like to share with your listeners that if they are not working with a lender that focuses on their education and has that diversity of loan product that we have, that they're probably in the wrong support group. You need to be working with a lender that has a nationwide footprint and that has diversity of loan product to cover whatever methodology of real estate investing that you're looking for, and really puts a fine touch on the education of your qualifications and your goals as they relate to underwriters guidelines   Keith Weinhold  37:10   what we're talking about, and I know this through my own experience in dealing with Ridge, since I use them for my own loans myself, is sometimes Ridge might inform You that, hey, you can go and do this and make this deal now, but that's going to mess up this bigger thing 12 months down the road, whereas if you talk with an everyday sort of owner occupant mortgage company, oh, they're just not going to talk like that, because owner occupants, they might only buy every seven years, or something like that. And investors are different, and you need to have that foresight and look ahead. Caeli, this has been great, a really informative conversation about the pulse of the market. Tell us what products that you offer in there.   Caeli Ridge  37:50   Our menu is very, very diverse. I would say what. It's probably easier to describe what we don't offer. We do not have bear lot loans or land loans. We're not offering those right now. We do not have second lien HELOCs currently. We suspended that two years ago. But otherwise, guys, we're going to have everything that you're going to need. So just very quickly, I'll rattle off Fannie Freddie, okay, those golden tickets that we talk about, we've got DSCR loans, bank statement loans, asset depletion loans, ground up construction, short term bridge loans for fix and flip or fix and hold. We have our All In One that's my favorite first lien. HELOC, we have commercial loan products for commercial property and residential on a cross collateralization basis. So very, very robust in the loan product space.   Keith Weinhold  38:33   Caeli Ridge, it's been valuable as always. And then Ridge lending group.com, or your phone number   Caeli Ridge  38:39   855-747-4343, 855-74-RIDGE, , and then to reach us an email, if that's your better mechanism to contact us info@ridgelendinggroup.com   Keith Weinhold  38:50   that's been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  38:53   Appreciate it. Keith,   Keith Weinhold  39:00   Yeah, terrific information from Chaley. As always, if you're enamored of borrowing tax free, like a billionaire, against your real estate, they sure can help you out with that and determine whether that's right. It doesn't mean that you always should, but if you have investment ideas for debt equity, and you're attentive to cash flows, run the numbers with them and see if it's worthwhile. As far as new purchases, we all know that soured affordability has made it especially tough for first time homebuyers, and there's more data out there that shows that tenant durations are historically long, longer than they usually are. Tenants are staying in places longer because they have to. Investor purchases have stayed strong, though investors have been buying about the same proportion of single family homes and making them rentals that they have historically and Redfin tells us that. The value of properties that investors have purchased is up more than 6% year over year, so investors are still buying and that makes sense. We're in this era where there's more uncertainty than usual, there's higher stock volatility than usual, and more people are sort of asking themselves, where would I get a better return than on income property, and where would my return be more stable today than in income property as well? If you work with Ridge lending group for a time, you're probably going to understand why I personally use them for my own loans. You'll notice that they really understand what investors need. Thanks to Caeli Ridge today and thank you for being here too. But as always, you weren't here for me. You were here for you until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  41:20   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text. GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866   The preceding program was brought to you by your home for wealth, building, get rich education.com.    

From the archive - This episode was originally recorded and published in 2022. Our interviews on Entrepreneurs On Fire are meant to be evergreen, and we do our best to confirm that all offers and URL's in these archive episodes are still relevant. During Jeremy Miner's 17 yr sales career he was recognized by the direct selling association as the number 45th highest earning producer out of more than 100 million salespeople, selling anything worldwide – his earnings as a commission-only salesperson were in the multiple 7-figures EVERY year. He's been featured in Forbes, USA Today, Inc, and others, and his new book The New Model of Selling - Selling to an Unsellable Generation, co-authored by Jerry Acuff, will be available in the spring of 2022. Top 3 Value Bombs 1. Having the right skill level will lead to success. 2. The salesperson triggers the fight or flight mode. 3. As an entrepreneur, you have to start to be the problem finder and problem solver. Start asking the right questions at the right time. Avoid being a product pusher. Join the community and get the help you need on how to sell - Sales Revolution Facebook Group Sponsor DeleteMe - Take control of your data and keep your private life private by signing up for DeleteMe. Get 20 percent off your DeleteMe plan when you go to JoinDeleteMe.com/eofire and use promo code EOFire at checkout. The Speaker Lab - Want to learn how to get booked and paid to speak. Go to EOFire.com/speaker to grab your spot for our LIVE training on May 28th, and learn how to get booked and paid to speak.

Our eyes this week were trained on the arguments over birthright citizenship at the Supreme Court on Thursday. While Solicitor General John Sauer advanced wild arguments on behalf of the Trump administration, four of the justices (hint: the women) seemed extremely suspicious of his motives. The five men? Not so much. Slate senior writer Mark Joseph Stern joins Dahlia Lithwick to break down Trump v. CASA Inc. and the growing  divide on the court between those who trust this president and those who don't. Although Thursday's arguments touched on fundamental rights, SCOTUS made the strange choice to largely avoid the constitutional question and focus on a different one: Whether district courts have the power to issue “universal” injunctions that apply nationwide, as multiple courts did in order to protect birthright citizenship from the president. Judges have issued an unprecedented number of these orders against the Trump administration—in response to Trump's unprecedented barrage of lawless executive orders. Some conservative justices seem perturbed by the explosion of universal injunctions. But it became clear on Thursday that this is the worst case for the court to use to rein them in.  Want more Amicus? Join Slate Plus to unlock weekly bonus episodes with exclusive legal analysis. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Amicus show page on Apple Podcasts and Spotify. Or, visit slate.com/amicusplus to get access wherever you listen. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our eyes this week were trained on the arguments over birthright citizenship at the Supreme Court on Thursday. While Solicitor General John Sauer advanced wild arguments on behalf of the Trump administration, four of the justices (hint: the women) seemed extremely suspicious of his motives. The five men? Not so much. Slate senior writer Mark Joseph Stern joins Dahlia Lithwick to break down Trump v. CASA Inc. and the growing  divide on the court between those who trust this president and those who don't. Although Thursday's arguments touched on fundamental rights, SCOTUS made the strange choice to largely avoid the constitutional question and focus on a different one: Whether district courts have the power to issue “universal” injunctions that apply nationwide, as multiple courts did in order to protect birthright citizenship from the president. Judges have issued an unprecedented number of these orders against the Trump administration—in response to Trump's unprecedented barrage of lawless executive orders. Some conservative justices seem perturbed by the explosion of universal injunctions. But it became clear on Thursday that this is the worst case for the court to use to rein them in.  Want more Amicus? Join Slate Plus to unlock weekly bonus episodes with exclusive legal analysis. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Amicus show page on Apple Podcasts and Spotify. Or, visit slate.com/amicusplus to get access wherever you listen. Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also, potential car buyers face a lot of questions right now -  should you buy new or used? If buying used, is Certified Pre-Owned (CPO) the way to go? Clark shares advice to help you navigate decision making.  Clark Stinks: Segments 1 & 2 Vehicle Purchase: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Roth vs. Traditional 401(k): What's the Difference? Why 'Buy Now, Pay Later' Worries Clark Howard Best Credit Cards With No Foreign Transaction Fees in 2025 The Best International Phone Plans Why You Should Never Mail a Check How To Buy a Used Car Certified Pre-Owned Vehicles: What You Need to Know Before You Buy Should You Ever Lease a Car? When Should I Drop Comprehensive and Collision Coverage? Best Place to Get a Car Loan Car Loan and Payment Calculator - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices