Podcasts about Comparables

In this KE Report company update, we welcome back Cameron Tymstra, President and CEO of Targa Exploration (CSE:TEX - OTCQB:TRGEF - FRA:V6Y), to discuss the company's evolving gold exploration strategy in the James Bay region of Quebec.   Targa is gearing up for its first drill program at the Opinaca Gold Project with a larger financing, share consolidation, and airborne geophysics planned to refine high-priority targets.   Key discussion points include: – Why Targa cancelled a smaller $500k raise in favor of a $2.6 million financing, supported by strong investor interest – How proceeds will fund airborne geophysics and a ~3,000m maiden drill program targeting a 7-km gold anomaly – Details on the 5-for-1 share consolidation and rationale behind the capital structure reset – Comparables and context: proximity to Newmont's former Eleonore Mine and Patriot Battery Metals' Corvette project – Cost estimates for drilling and expectations around permitting and pad selection before the planned August/September drill mobilization – Potential for future portfolio expansion into additional gold assets   The Opinaca project presents a greenfield opportunity in a region with very limited historical exploration.    Visit the Targa Exploration website for more details. Be sure to subscribe for follow-up interviews and market commentary. YouTube, Spotify, Apple Podcasts, and X

On today's Three Point Stance: Hart advocates for the Patriots to pursue Chargers OL Rashawn Slater, Fitzy shares his excitement for Day 2 of the NFL Draft in comparison to Day 1, and Ted asserts that drafting Will Campbell buys the Patriots time to solve their left tackle conundrum. Plus, the guys continue their ongoing evaluation of OL draft prospect Will Campbell, and they compare certain characteristics that Campbell has to those of other tackles that have played in the NFL in the past. They also react to an assertion from NFL Network's Brian Baldinger that a blockbuster trade may be made involving a team picking in the top five of this year's draft.

06 04-03-25 LHDW ¿Perjudica a Yamal la constante comparación con Messi?, no son comparables. Pedri el nuevo Gattuso, jugador que más balones recupera de Europa

06 04-03-25 LHDW ¿Perjudica a Yamal la constante comparación con Messi?, no son comparables. Pedri el nuevo Gattuso, jugador que más balones recupera de Europa

Hoy en Capital Intereconomía en el Consultorio de bolsa contamos con Borja de Castro, analista de banco BiG, que ha realizado un análisis de la bolsa. El siguiente paso del Ibex estaría en los 10.900 puntos. Los estímulos de China despiertan a las bolsas y especialmente al sector del lujo. Los 11.780 sería el soporte más cercano. Inditex no se ve contagiado por el castigo de H&M que ha rebajado su objetivo de margen de beneficios para 2024.

Dans C'est Excellent, Judith Beller reçoit Jean-Claude Jitrois, créateur de mode et auteur de “Ma peau se souvient" - Ed. Pauvert & Audrey Dangy-Caye, responsable du Pôle Olfactif chez Lancôme

Noticias Económicas y Financieras Los inversores hoy están mirando a Wyoming, y no es para reservar una escapada a un parque nacional antes de que termine el verano. El simposio anual de Jackson Hole organizado por la Reserva Federal de Kansas City está en marcha, y el presidente Jerome Powell subirá al escenario a las 10 a. m. ET. El tema de la conferencia de 2024 se titula "Reevaluación de la eficacia y la transmisión de la política monetaria" y podría proporcionar más pistas sobre la magnitud de la flexibilización de la política con el próximo ciclo que está programado para comenzar en septiembre. Skydance Media, que el mes pasado firmó un acuerdo para fusionarse con Paramount $PARA, acusa a la compañía de incumplir los términos de su acuerdo al extender el tiempo que tiene para negociar con otros postores. "Si bien Skydance no está ejerciendo actualmente su derecho a rescindir el acuerdo, nos reservamos el derecho de hacerlo en el futuro", escribieron sus abogados en una carta. Paramount extendió el período de solicitud de otras ofertas desde su fecha límite original hasta el 5 de septiembre, después de que Edgar Bronfman mejorara su oferta por National Amusements y una participación minoritaria en Paramount de $4.3B a $6B. Uber $UBER ha anunciado una alianza estratégica plurianual para incorporar los robotaxis Cruise de General Motors $GM a la plataforma de la empresa de viajes compartidos. En octubre pasado, Cruise detuvo las operaciones de sus vehículos autónomos en San Francisco después de que el Departamento de Vehículos Motorizados de California suspendiera sus permisos de prueba sin conductor tras un incidente de atropello y fuga. Sin embargo, Cruise dijo que planea reanudar los viajes completamente autónomos en 2024 después de mejorar su tecnología, reparar las relaciones con los reguladores y cumplir con estándares de seguridad más estrictos. El gobierno de Canadá ha ordenado a las dos principales empresas ferroviarias del país que acudan a un arbitraje vinculante para resolver sus desacuerdos con un sindicato que interrumpió el tráfico de mercancías en Norteamérica. Las redes ferroviarias Canadian National Railway $CNI y Canadian Pacific Kansas City $CP podrían reanudar sus operaciones "en cuestión de días", dijo el ministro de Trabajo, Steve MacKinnon, aunque las partes "siguen estando muy, muy distanciadas". En respuesta, CN puso fin a su cierre patronal y puso en marcha su plan de recuperación, mientras que CPKC está preparada para reanudar el servicio una vez que la Junta de Relaciones Industriales de Canadá emita su orden.

Noticias Económicas y Financieras $NVDA El fabricante de chips en el centro de la revolución de la IA capturará la cámara esta tarde, y muchos harán grandes apuestas antes de la publicación de las ganancias de Nvidia después de la campana. Es una de las acciones de las que más se habla en el mundo financiero, y con razón. La compañía está ayudando a construir toda la infraestructura necesaria para impulsar la inteligencia artificial generativa, vendiendo procesadores avanzados a todos los peces gordos de la tecnología que están gastando dinero en hardware como en la década de 1990. El Departamento de Energía de EE.UU. está liberando 1 millón de barriles de gasolina (42 millones de galones) de la Reserva de Suministro de Gasolina del Noreste para ayudar a "bajar los precios en el surtidor a medida que los estadounidenses salen a la carretera este verano". La reserva fue autorizada en 2014, dos años después de que el huracán Sandy dañara las refinerías, pero el depósito nunca se había utilizado y debía cerrarse de conformidad con una ley que el Congreso aprobó en marzo. Si bien los precios de la gasolina han subido aproximadamente un 15 % hasta la fecha, algunos dicen que la publicación no supondrá una diferencia significativa en la región de la costa este, que consumió más de 3 millones de barriles diarios de gasolina solo en junio pasado. $BHP El tiempo corre en la ambiciosa oferta de BHP para adquirir su rival Anglo American (OTCQX:AAUKF), ya que la minera más grande del mundo tiene hasta las 12 p. m., hora del Este, para hacer una oferta de adquisición vinculante. Anglo American ya rechazó dos propuestas de BHP y en su lugar reveló una importante reestructuración de la empresa que incluía planes para vender o escindir sus negocios de carbón siderúrgico, níquel, platino y diamantes. Si BHP decide dejar de buscar un acuerdo, tendrá que mantenerse alejado durante al menos seis meses, según las normas de adquisiciones del Reino Unido. El sector de defensa está de guardia después de que el ejército ruso iniciara ejercicios para simular el uso de armas nucleares tácticas, que incluyen el misil Kinzhal, la primera arma hipersónica utilizada en la guerra de Ucrania. Se dijo que los ejercicios, ordenados por el presidente Vladimir Putin, eran en respuesta a "declaraciones provocativas" de funcionarios de Europa occidental, incluido el presidente francés Emmanuel Macron. Las armas nucleares tácticas son menos destructivas que las conocidas como bombas estratégicas que pueden arrasar una ciudad, pero aún así tienen un poder significativo. El arsenal estimado de ojivas nucleares de Rusia asciende a unas 1.500. $DIS Pixar de Disney despide personal en medio de continuos recortes de costos. $M Macy's mejora las perspectivas incluso cuando caen las ventas comparables. $TSLA Tesla destaca el potencial de los semi eléctricos en una conferencia. $AAPL Apple pide a un tribunal de Nueva Jersey que desestime la demanda antimonopolio del Departamento de Justicia.

Matthew talks with Ben Brown, research data scientist from Sumer Sports about his project to objectively create quarterback comparables. Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Matthew talks with Ben Brown, research data scientist from Sumer Sports about his project to objectively create quarterback comparables. Learn more about your ad choices. Visit megaphone.fm/adchoices

February 10, 2024 Gen. 41:53-42:17; Ps. 18:16-24; Prov. 8:27-32; Matt. 13:34-46

How to spread out comparablesContact: investmentbankinginsights@gmail.com

#126 Do you want to know about commercial valuations, down valuations, how to put a valuation pack together? Or you're just hoping to get a better understanding of mortgages in general? Then this week's episode is the best episode to since Part One of this two part special last week! Martin Smedley of Prospero Finance (Fairstone Financial Management Group) has been arranging finance for over 35 years so what he doesn't know about investment finance simply isn't worth knowing. Last week, we covered the difference between the two broad types of valuations: commercial and bricks and mortar and the factors that affect whether your lender will give you a commercial valuation. This week, we cover the mysterious world of Cap rates and yields for commercial valuations, how to put  Valuation Pack together and other factors which may help to nudge your valuer towards the top of the range they can offer. During these two episodes we discuss: - Understanding Commercial Valuations for HMO and Buy to Let Markets- Influence of Room Sizes, Market Evidence, and Property Standards on Valuations- Room Sizes and Market Evidence in HMO Properties- The Influence of Property Valuations on Rent Adjustments- Photos, Links, Comparables and Maintenance Programs in Valuation Packs- Impact of Concentration of HMOs on Property Valuation- Fluctuation of HMO Valuations in Market Downturns- Safeguards for Property Valuation in Market Crash- Caution around Refurbishment of Tired HMO and Lender Consent- The Role of Cap Rates in Commercial Investment Yields- Impact of Location and Demand on Cap Rates and Yields for HMO Properties Leave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp  group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you're struggling with in UK property We typically work with time poor professionals get a good return on their money by investing with us. Schedule a call to discuss As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month (Saturday S6th October, 2023) from 11:30 amDubai: Holiday Inn, Science Park on the first Wednesday of each month (Wednesday 4th October, 2023) from 7pmSingapore: The Providore at VivoCity on the first Saturday of each month (Saturday 6th October, 2023) from 10:30 am Keywords:Expat Property Guy, UK property podcast, Martin Smedley, mortgage solutions, HMO, buy to let, commercial valuations, lender operations, valuation packs, property standards, rent adjustments, market evidence, room sizes, influence valuations, maintenance program, before/after photos, comparables, well-written valuation pack, investment finance, financial risks, mortgage rates, investment properties,  mortgageable properties, HMO license, property valuation, market downturns, long-term fixed rates, lending strategy, property refurbish

Tras la entrega de resultados de la PAES, se reflejó nuevamente la brecha entre los colegios públicos y privados. Dentro de los 100 establecimientos con mejores resultados, solo dos son municipales. ¿Cómo se explica esto? Para hablar sobre el tema, estuvimos con Gonzalo Muñoz, académico de la Facultad de Educación de la Universidad Diego Portales.

Hour 2 - Looking around the league at some comparables for the Buffalo Sabres

Hour 1 - The guys talk about some comparables for Dalton Kincaid

How do you use equity research projections for public comparables?Contact: investmentbankinginsights@gmail.com

Rob talks about the recent rise in UK rents, which have reached their highest level since comparable records began in 2016, but also highlighting the fact that it does not account for the thousands or millions of years of climate data that have not been recorded... KEY TAKEAWAYS UK rents have risen at the highest rate since 2016, indicating a surge in rental prices. The high demand for rental properties and a decrease in the supply of available properties are the main reasons behind the rent increase. Landlords are selling their properties due to increased regulations and taxes, further reducing the supply of rental properties. The North West region of England has seen the highest increase in rental inquiries, followed by Scotland, the South West, the West Midlands, and the East of England. BEST MOMENTS "I'm going to take this episode, take this information with a pinch of salt because comparable records only began in 2016." "When you have got a high demand for something and your supply of that product becomes restricted, then prices are going to go up. Basic economics, that's why we're seeing a surge in rental prices." "High demand for tenants at the same time as landlords reducing the number of available properties is one of the key reasons behind the rent increase." VALUABLE RESOURCES GET YOUR DEVELOPMENT FINANCE HERE: https://propertyfundingplatform.com/WharfFinancial#!/borrowerinitialregistration SOVEREIGN MAN PREMIUM INTELLIGENCE MEMBERSHIP https://dash.sovereignman.com/a/smc12m995/tpnpodcast SOVEREIGN MAN 4th PILLAR https://dash.sovereignman.com/a/4pmain/tpnpodcast ABOUT THE HOST Rob Smallbone is the author of the Amazon best-seller Buy-To-Let: How To Get Started as well as 101 Top Property Tips and Property FAQ's. BOOKS  Property FAQs = https://amzn.to/3MWfcL4   Buy To Let: How To Get Started = https://amzn.to/3genjle   101 Top Property Tips = https://amzn.to/2NxuAQL   WHERE TO FIND US https://linktr.ee/thepropertynomadspodcast  uk property, Investment, Property, Rent, Buy to let, Investing for beginners, Money, Tax, Renting, Landlords, strategies, invest, housing, properties, portfolio, estate agents, lettings, letting, business: https://patreon.com/tpnpodcastThis show was brought to you by Progressive Media

Top 4 AI models for stock analysis/valuation?- Boosted.ai - AI stock screening, portfolio management, risk management- Danielfin - Rates stocks and ETFs with an easy-to-understand global AI Score- JENOVA - AI stock valuation model that uses fundamental analysis to calculate intrinsic value- Comparables.ai - AI designed to find comparables for market analysis quickly and intelligentlyGoogle AI will replace your Doctor soon: Google DeepMind Advances Biomedical AI with ‘Med-PaLM M'Meta is building AI friends for you. SourceAn Asian woman asked AI to improve her headshot and it turned her white... which leads to the broader issue of racial bias in AIHow China Is Using AI In Schools To Improve Education & EfficiencyWhat Machine Learning Reveals About Forming a Healthy Habit.What Else Is Happening in AI?Uber is creating a ChatGPT-like AI bot, following competitors DoorDash & Instacart. YouTube testing AI-generated video summaries.AMD plans AI chips to compete Nvidia and calls it an opportunity to sell it in China.Kickstarter needs AI projects to disclose model training methods.UC hosting AI forum with experts from Microsoft, P&G, Kroger, and TQL.AI employment opportunities are open at Coca-Cola and Amazon.This podcast is generated using the Wondercraft AI platform (https://www.wondercraft.ai/?via=etienne), a tool that makes it super easy to start your own podcast, by enabling you to use hyper-realistic AI voices as your host. Like mine! Get a 50% discount the first month with the code AIUNRAVELED50Are you eager to expand your understanding of artificial intelligence? Look no further than the essential book "AI Unraveled: Demystifying Frequently Asked Questions on Artificial Intelligence," by Etienne Noumen, now available at Shopify, Apple, Google, or Amazon today!

Hay una gran tormenta política y judicial por cuenta del proceso contra Nicolás Petro, hijo del presidente Gustavo Petro, quien reveló que, a la campaña electoral de su padre, el presidente Gustavo Petro, entró dinero supuestamente ilícito.See omnystudio.com/listener for privacy information.

What is a flaw with using public company comparables for terminal value multiples?Contact: investmentbankinginsights@gmail.com

Public company comparables can be useful in analyzing the value of a company, but this method has its flaws. Today, we'll discuss what they are and how we can think about them.Contact: investmentbankinginsights@gmail.com

Max and Corey are back in this week's Prospect Series episode of The Athletic Hockey Show to discuss Corey's NHL Mock Draft 2.0 with some movement in the top 4, this year's defense class, Corey's latest interactive prospect rankings, as well as comparables for guys like Connor Bedard, Matvei Michkov, David Reinbacher, and more.Subscribe to The Athletic Hockey Show on YouTube: http://youtube.com/@theathletichockeyshowGet a 1-year subscription to The Athletic for $2 a month when you visit http://theathletic.com/hockeyshow Hosted on Acast. See acast.com/privacy for more information.

Max and Corey are back in this week's Prospect Series episode of The Athletic Hockey Show to discuss Corey's NHL Mock Draft 2.0 with some movement in the top 4, this year's defense class, Corey's latest interactive prospect rankings, as well as comparables for guys like Connor Bedard, Matvei Michkov, David Reinbacher, and more. Subscribe to The Athletic Hockey Show on YouTube: http://youtube.com/@theathletichockeyshow Get a 1-year subscription to The Athletic for $2 a month when you visit http://theathletic.com/hockeyshow Learn more about your ad choices. Visit megaphone.fm/adchoices

Inside today's Locked on Canadiens Former fan favourite Andrew Shaw was on a podcast that dropped this week, and his appearance has drawn immediate criticism for a number of reason. Scott discusses the biggest points and why it's disappointing to see a former Hockey is for Everyone representative from the Habs say what Shaw did. Pivoting from there, Cole Caufield still remains without a new contract, but fans shouldn't worry too much as Caufield has plenty of time and comparables for his next deal right now. Scott takes a look at the closest comparables for the Habs star winger, including names like Nikolaj Ehlers, and draft mate Matthew Boldy of the Minnesota Wild. To round out the show Scott takes a look at Lane Hutson continuing to make waves at the World Championships and Samuel Montembeault seemingly finding his happy place this year. Support Us By Supporting Our Sponsors! Birddogs Go to birddogs.com/lockedonnhl and when you enter promo code, LOCKEDONNHL, they'll throw in a free custom birddogs Yeti-style tumbler with every order. Gametime Download the Gametime app, create an account, and use code LOCKEDONNHL for $20 off your first purchase. ebay Motors For parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit. eBay Motors dot com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply. Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKEDON15,” and you'll get 15% off your next order. FanDuel Make Every Moment More. Don't miss the chance to get your No Sweat First Bet up to ONE THOUSAND DOLLARS in Bonus Bets when you go FanDuel.com/LOCKEDON. FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

Inside today's Locked on CanadiensFormer fan favourite Andrew Shaw was on a podcast that dropped this week, and his appearance has drawn immediate criticism for a number of reason. Scott discusses the biggest points and why it's disappointing to see a former Hockey is for Everyone representative from the Habs say what Shaw did.Pivoting from there, Cole Caufield still remains without a new contract, but fans shouldn't worry too much as Caufield has plenty of time and comparables for his next deal right now. Scott takes a look at the closest comparables for the Habs star winger, including names like Nikolaj Ehlers, and draft mate Matthew Boldy of the Minnesota Wild.To round out the show Scott takes a look at Lane Hutson continuing to make waves at the World Championships and Samuel Montembeault seemingly finding his happy place this year.Support Us By Supporting Our Sponsors!BirddogsGo to birddogs.com/lockedonnhl and when you enter promo code, LOCKEDONNHL, they'll throw in a free custom birddogs Yeti-style tumbler with every order.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNHL for $20 off your first purchase.ebay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit. eBay Motors dot com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKEDON15,” and you'll get 15% off your next order.FanDuelMake Every Moment More. Don't miss the chance to get your No Sweat First Bet up to ONE THOUSAND DOLLARS in Bonus Bets when you go FanDuel.com/LOCKEDON.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of PTB, host Dominic Rubino sits down with real estate expert Tomas Garcia, co-founder of Arx Technologies and a successful fix and flip developer. If you're interested in the real estate industry, you will want to experience this conversation!   Tomas shares invaluable insights on the challenges and opportunities within the spec home building market, the significance of understanding the math behind real estate investments, and how to streamline your decision-making process with innovative technology.    You'll also learn about the crucial role of local zoning regulations in determining a property's potential and how to accurately predict costs to build a financial model for a development project.   Whether you're a seasoned real estate professional or just starting, this episode is full of valuable information and actionable insights that you can use to position yourself for long-term success in the industry.    So tune in and join us with Tomas Garcia.  

Hear from well-known dental marketing expert Chris Baker in this week's episode of Dentology. Chris is the owner of Corona Dental Marketing and has years of experience in marketing and PR in the dental sector. He has worked with many dentists on their plans to expand their practices through a variety of tools including branding, online strategy, social media marketing, PR, and advertising to name just a few! In this episode Chris chats about his pathway through dentistry, how he has reached where he is today owning and running his own business and reflects on some of the challenges faced along the way. He talks about his passion for sport (namely football and cricket) and shares his thoughts on the many learnings that can be drawn from sport into business. Chris has also developed quite a knack over the years for helping dental practices win awards, so tells us more about this area of his work and shares his thoughts on what the biggest concerns are in dentistry at present. Topics: - Why dentistry? - Comparables between sport and business life - Corona Dental Marketing - Challenges faced when starting up in business. - Working with dental practices - Support to win awards - Biggest thing that worries you about dentistry at present?

In this week's episode of The Hockey Writers Grind Line, Detroit Red Wings writers Devin Little and Tony Wolak and producer Matthew Zator get together to discuss which players the Red Wings could move at the 2023 Trade Deadline, whether they will be buyers or sellers (or both), comparable packages for Bo Horvat and more. Check out the rest of the Grind Line episodes here: https://www.youtube.com/playlist?list=PL3Q-xECnj-yIVbGOIogmp63N1-jBHF3P- Check out THW's HockeyPedia for information on players, teams, trades and more - https://thehockeywriters.com/docs/ And, make sure to check out all of our great Red Wings content - https://thehockeywriters.com/detroit-red-wings/ Follow The Hockey Writers: Twitter - https://twitter.com/TheHockeyWriter Instagram - https://www.instagram.com/thehockeywriters_ Facebook - https://www.facebook.com/TheHockeyWriters/ Graphics by Vince Richard - https://www.behance.net/vincergraphics

Dan and Sat discuss some comparables for Luke Schenn's next contract and what the Canucks should do with the Defenceman. Also, hear from Don Taylor of Donnie and Dhali on an eventful weekend for the Canucks and more!This Podcast was produced by Josh Elliott-Wolfe.The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Media Inc. or any affiliate. 

This week we have a h i s t o r i c episode of AWHiP. That's right, you know it: For the first time in Vegas Golden Knights UW Dawg Pound history, all three of Andrew, Gabey, and Coach are on the same episode of All We Hear is Purple. Surely, you will tell your grandchildren of this day. On this episode, we talk about: That very silly wind Washington's secondary making both Coach and Gabey clench their butts multiple times Saturday The pre-snap motion that made us go full LeoDiCaprioPointing.jpeg “They're throwing it to him and he's gonna convert” Comparables for Michael Penix's ability to bounce back after the pick six, and Kalen DeBoer's faith in him Potential for the Dawgs' running backs in the passing game against Oregon How can Washington bring back Bad Bo that the world got to know at Auburn, and why have we mostly seen Good Bo at Oregon? Condemning the English Every TV show friend group has The Stupid One Paul F. Tompkins Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Una investigación de la BBC revela los abusos y condiciones desventajosas a las que son sometidos muchos profesionales foráneos de la salud.

Ready to master creative financing? After watching this video, why not head on over to our website and find out more about how we can help expand your knowledge about creative financing so that you can buy more houses, close more deals and build a lasting legacy that you can be proud of. You can find us at https://sub2empire.com Don't forget to check out my bio page for tons of valuable info and real estate investing resources at https://bio.sub2empire.com As always, we thank you for liking and subscribing to this channel Don't forget to ring the notification bell to get notified every time a new video is uploaded!Subscribe to Sub2 Empire on Soundwise

Ready to master creative financing? After watching this video, why not head on over to our website and find out more about how we can help expand your knowledge about creative financing so that you can buy more houses, close more deals and build a lasting legacy that you can be proud of. You can find us at https://sub2empire.com Don't forget to check out my bio page for tons of valuable info and real estate investing resources at https://bio.sub2empire.com As always, we thank you for liking and subscribing to this channel Don't forget to ring the notification bell to get notified every time a new video is uploaded! Powered by Restream https://restre.am/ytSubscribe to Sub2 Empire on Soundwise

Sam visits Proportion Design's office for the second session — this time focused on understating the competition. Proportion Co-Founders Blake Goodwin and Paul Reiss show, and talk through, a presentation of books they curated that display a broad range of existing cover designs — from books that occupy a similar niche as Sam's book, to a broad range of covers consisting of elements that might inspire directions that could differentiate the look of this book. The team shares what does and does not resonate with Sam's book theme. This content is inherently visual, visit insidefrontcover.com to see the book covers discussed in the episode.

Business valuation is tricky even under the best circumstances. And the probate process adds a few more twists. Not turnkey The first twist is that you are probably not selling a turn-key business. Some people come to us with valuation approaches such as 1) Comparables (what similar businesses have sold for in the area) and 2) Discretionary income (meaning, what sort of income does this business throws off, multiplied by the number of years you expect to earn that). Both approaches assume the business is fully operational, which isn't always the case when the owner has passed away. You can't use the grocery store where the owner is alive and running it as a comparable to the store in the midst of chaos since the owner passed. In probate, the business often stops upon owner's death. Even if the business doesn't stop, the quality of the business tends to head downhill. People usually notice when the business isn't run by the owner anymore. It's kind of like an “inmates running the asylum” type of situation... Not great for business, and therefore not great for the valuation of the business. Buyers typically want to step into a seamless, ongoing operation. With a probate business, the buyer is not purchasing an ongoing business, but rather has to re-jumpstart a business that may have been temporarily closed for months. The buyer can't walk into the restaurant and be open for business the next day with the menu ready to go. No keyman Without a keyman, the business doesn't work. The keyman is so crucial to a business that you can buy “keyman insurance” in case he passes away. When a small business loses its keyman, it loses a lot. First, there is no transfer of knowledge. If you buy a business from a living owner/operator, he can tell you the tips and tricks of the business. These tips are unlikely documented anywhere, just things that the owner knows. Second, there are no relationships with customers. Without the owner, maybe some of the best customers don't come anymore. There are no relationships with vendors who give the business a good deal. They may want to reset their prices and not give the new owner a grandfathered-in deal. Additionally, if the owner/operator doesn't own the property, the quality of the relationship with the landlord is huge for determining the value of the business. Without a lease, there is no business. Also, since the landlord doesn't know the new owner, he may want to renegotiate the lease. Lastly, the keyman is important because valuation is sometimes based on discretionary income (the amount of income the business throws off). Small businesses don't necessarily report on paper all that they earn. How can the seller convey to the buyer what the business is actually worth – the real income? That conversation between seller and buyer often happens when no brokers or lawyers are present. If the owner passed away, there is no side discussion of actual discretionary income. Without that conversation, is almost impossible to value the business based on discretionary income. Rapidly declining value In probate, a non-operational business rapidly declines in value. First, inventory may be expiring and rotting with every passing day. This is assuming that in the absence of the owner, the business ceases to function or functions poorly. If the business closes for a couple weeks or months, that may not feel like a long time to an heir who has never run a business. But that is enough time for its most loyal customers to find a new favorite store. Not only that, but closed businesses attract theft and vandalism. A closed business is an easy target for a crime of opportunity. Lastly, even while the business is non-operational, it is still bleeding expenses (rent, security, taxes, utilities) while no revenue is coming in. For those reasons, the faster you sell in probate, the better in order to keep the value from falling farther. The longer the business sits, the more money it loses. We have experience in this area and have seen these scenarios first-hand. If you want to learn more about how probate works, please check out my book, “How Probate Works,” available on Amazon. If you are dealing with a situation like this, please feel free to reach out to me. Request your free consultation  

From playoff debut to brink of elimination in three hours... Ross Levitan and Brandon Piller recap a heartbreaking Game One loss for the Belleville Sens in their first game of a best-of-three series against the Rochester Americans. We get into how a three-goal third period lead evaporated, what Belleville needs to bounce back and wonder if we'll see Ridly Greig in the Game Two lineup. Since it's Josh Norris' birthday, we also discuss his future and next contract by looking at a few recent comparables around the NHL plus a look around another great night of Stanley Cup playoff action! Follow the show on TWITTER, INSTAGRAM and subscribe on YOUTUBE! Support us by supporting our sponsors! Athletic Greens: Athletic Greens is going to give you a FREE 1 year supply of immune-supporting Vitamin D AND 5 FREE travel packs with your first purchase. All you have to do is visit athleticgreens.com/NHLNETWORK. Again, that is athleticgreens.com/NHLNETWORK to take ownership over your health and pick up the ultimate daily nutritional insurance! BetOnline: Today's Episode is brought to you by BetOnline. BetOnline has you covered this season with more props, odds and lines than ever before. BetOnline – Where The Game Starts! Learn more about your ad choices. Visit podcastchoices.com/adchoices

From playoff debut to brink of elimination in three hours... Ross Levitan and Brandon Piller recap a heartbreaking Game One loss for the Belleville Sens in their first game of a best-of-three series against the Rochester Americans. We get into how a three-goal third period lead evaporated, what Belleville needs to bounce back and wonder if we'll see Ridly Greig in the Game Two lineup. Since it's Josh Norris' birthday, we also discuss his future and next contract by looking at a few recent comparables around the NHL plus a look around another great night of Stanley Cup playoff action!Follow the show on TWITTER, INSTAGRAM and subscribe on YOUTUBE!Support us by supporting our sponsors!Athletic Greens: Athletic Greens is going to give you a FREE 1 year supply of immune-supporting Vitamin D AND 5 FREE travel packs with your first purchase. All you have to do is visit athleticgreens.com/NHLNETWORK. Again, that is athleticgreens.com/NHLNETWORK to take ownership over your health and pick up the ultimate daily nutritional insurance!BetOnline: Today's Episode is brought to you by BetOnline. BetOnline has you covered this season with more props, odds and lines than ever before. BetOnline – Where The Game Starts! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Episode 117 - Why Doesn't The Appraiser Use My Comparables? This question is asked almost as often as why do appraisals come in low. The best question, why is your comparable worthy of use?   SHOW NOTES 02:40 – The agent can suggest potential comparables. 03:27 – Appraiser: “I can't use the comparable.” 05:15 – Example of when an appraiser might use your comparable. 06:30 – Explain why the appraiser should use your comparable. 09:10 – Have you given any compelling reason to use your comparable?   BETWEEN THE LINES LINKS Email brian@brianclee.com   Web brianclee.com   Facebook https://www.facebook.com/groups/realestatebetweenthelines/ https://www.facebook.com/Brian-C-Lee-111822417027919/?   YouTube https://www.youtube.com/channel/UCcv4dHU39-b5_QVVCIhbcBA?  

Meditación "Pues tengo por cierto que las aflicciones del tiempo presente no son comparables con la gloria venidera que en nosotros ha de manifestarse." (Romanos 8:18) Consideradas en sí mismas, las aflicciones del tiempo presente pueden ser espantosas. Reflexiono en los horribles sufrimientos de los mártires cristianos. Pienso en lo que algunos del pueblo de Dios han tenido que soportar en los campos de concentración. ¿Qué diremos acerca de los horribles sufrimientos asociados con la guerra? ¿Los crueles desmembramientos y parálisis relacionadas con los accidentes? ¿El dolor indecible de los cuerpos humanos atormentados por el cáncer u otras enfermedades?   Y sin embargo, el sufrimiento físico tan sólo es parte de la historia. En ocasiones parece que el dolor corporal es más fácil de sobrellevar que la tortura mental. ¿No es lo que Salomón tenía en mente cuando escribió: “El ánimo del hombre soportará su enfermedad; más ¿quién soportará al ánimo angustiado?” (Pr. 18:14)? Están las aflicciones que vienen con la infidelidad en la relación matrimonial, con la muerte de un ser amado o con la desilusión que viene tras un sueño hecho pedazos. Nos acongojamos al ser abandonados, y al ser traicionados por un amigo cercano. A menudo nos asombramos ante la capacidad de la constitución humana para soportar los golpes, las agonías y los dolores aplastantes de la vida.   Vistas por ellas mismas, estas aflicciones son abrumadoras. Pero cuando se ven junto a la gloria venidera, sólo son pinchazos de alfiler. Pablo dice de éstas que no son: “comparables con la gloria venidera que ha de manifestarse en nosotros”. Si los sufrimientos son tan grandes, ¡cuánto más grande debe ser la gloria!   En otro pasaje, el apóstol Pablo se entrega a un delicioso estallido de imágenes espirituales cuando dice que: “esta leve tribulación momentánea produce en nosotros un cada vez más excelente y eterno peso de gloria” (2 Co. 4:17). Visto a gran escala, las aflicciones son peso pluma mientras que la gloria tiene un peso infinito. Si las juzgamos por el calendario, las aflicciones son momentáneas mientras que la gloria es eterna.   Cuando veamos al Salvador al final de la jornada, los sufrimientos de este tiempo presente se desvanecerán convirtiéndose en una insignificancia.    Cuando veamos a Jesús, todo habrá valido la pena.   Aun la prueba más grande, aquel día se verá pequeña.    Una mirada de Su rostro amado, toda pena borrará,    Con tal de ver a Cristo, con valor el paso apretaré.                                                              Esther K. Rusthoi

Episode 106 - Agents and Appraisers CAN Work Together Despite some opinions (not facts) and individual attitudes, agents and appraisers truly can work together in the process. There are a few rules and some things to consider, but it is possible. When both the appraiser and agent act professionally and in unison, it is possible to work together and maybe even sing kumbaya. Okay, maybe that is a stretch, but both sides put down your negative attitudes and find ways to help each other.   SHOW NOTES 01:35 – B is awesome! 02:50 – Agents and appraisers can work together, but there are “rules” on when and how we talk to each other. 04:46 – When the report is turned in to the client, the appraiser cannot talk to the agent and work with them. 05:25 – Fiduciary responsibilities for agents are the same for appraisers with their client (usually the lender.) 08:05 – Look for opportunities to learn and get information the appraiser may consider in the valuation process. Maybe that agent can educate the appraiser. 10:50 – Send the appraiser information: adjusted comparables, list of updates, multiple offers, and explain the “situation” with your property. 12:00 – Sometimes the appraiser calls the agent. This is a good thing! Use this time to your benefit. 14:20 – Yelling and arguing will get you nowhere. “You get more flies with honey than with vinegar.” 15:00 – Tidewater for VA loans. 16:00 – If you haven't tried to work with the appraiser before the appraisal report is complete. What can you do? 17:00 – You will need factual, definitive, tangible proof the appraisal report is wrong. Comparables and adjustments are NOT facts. 18:05 – Agents, many appraisers are willing to talk to you. Appraisers, many agents are nice too. 18:35 – Appraisers do not have to talk to you, but good appraisers will.   SHOW LINKS Brian Ferling, appraiser - https://licensedirect.com/brian-w-ferling/1587537 Tidewater - https://www.benefits.com/va-loans/tidewater-initiative   BETWEEN THE LINES LINKS Email brian@brianclee.com   Web brianclee.com   Facebook https://www.facebook.com/groups/realestatebetweenthelines/ https://www.facebook.com/Brian-C-Lee-111822417027919/?   YouTube https://www.youtube.com/channel/UCcv4dHU39-b5_QVVCIhbcBA?  

In this episode, we had the opportunity to sit down with Ashley Kobovitch, a Regional Director from CREXI, for an interview.  If you have never heard of CREXI before, you definitely need to check this platform out! Right from its website, "CREXI is the commercial real estate industry's fastest-growing marketplace, advanced technology and data platform dedicated to supporting the CRE industry and its stakeholders. Crexi enables commercial real estate professionals to quickly streamline, manage, grow their businesses, and ultimately close deals faster. Since launching in 2015, Crexi has quickly become the most active marketplace in the industry. With millions of users, the platform has helped buyers, tenants and brokers transact and lease on over 500,000 commercial listings totaling more than $1 trillion in property value." Remember, this is your MBA. Have a notepad handy and get ready to take some notes!Below are few topics that we covered during the interview:✅  High-level Description of what CREXI is.✅  What Can Investors Expect from Deal Flow✅  What Can Brokers Expect from the Platform✅  Auctions, Data Analytics, Comparables and More...Ashley's Bio:Ashley Kobovitch is a seasoned sales professional with over ten years of experience in software sales. She has earned numerous awards for being a top producer, including Executive, with the largest global deal and frequent annual President's Clubs winner. She is currently the Regional Director of the Northeast at Crexi, the nation's fastest growing CRE platform. Her primary goal is to help enhance brokers' business and empower her clients to better leverage technology in closing more deals. She was born and raised in New Jersey and is a University of Delaware alumni.✅ You can reach out to connect and speak with Ashley by connecting with her on LinkedIn✅ Also check out www.crexi.comPlease subscribe to the Real Estate Investor MBA Podcast on the following platforms:✔️ YouTube✔️ iTunes✔️ Spotify✔️ Stitcher✔️ iHeart Radio✔️ TuneIN✔️ Google Podcast  If you like what we are doing and see that we are providing a lot of value, please be sure to leave us a 5-star review and positive comment. In doing so, this helps us continue to attract the highest quality type guests to interview and for you to listen to. Follow us on Social Media: ✔️ Facebook✔️ LinkedIn

Meditación ”Pues tengo por cierto que las aflicciones del tiempo presente no son comparables con la gloria venidera que en nosotros ha de manifestarse.” (Romanos 8:18)    Consideradas en sí mismas, las aflicciones del tiempo presente pueden ser espantosas. Reflexiono en los horribles sufrimientos de los mártires cristianos. Pienso en lo que algunos del pueblo de Dios han tenido que soportar en los campos de concentración. ¿Qué diremos acerca de los horribles sufrimientos asociados con la guerra? ¿Los crueles desmembramientos y parálisis relacionadas con los accidentes? ¿El dolor indecible de los cuerpos humanos atormentados por el cáncer u otras enfermedades?   Y sin embargo, el sufrimiento físico tan sólo es parte de la historia. En ocasiones parece que el dolor corporal es más fácil de sobrellevar que la tortura mental. ¿No es lo que Salomón tenía en mente cuando escribió: “El ánimo del hombre soportará su enfermedad; más ¿quién soportará al ánimo angustiado?” (Pr. 18:14)? Están las aflicciones que vienen con la infidelidad en la relación matrimonial, con la muerte de un ser amado o con la desilusión que viene tras un sueño hecho pedazos. Nos acongojamos al ser abandonados, y al ser traicionados por un amigo cercano. A menudo nos asombramos ante la capacidad de la constitución humana para soportar los golpes, las agonías y los dolores aplastantes de la vida.   Vistas por ellas mismas, estas aflicciones son abrumadoras. Pero cuando se ven junto a la gloria venidera, sólo son pinchazos de alfiler. Pablo dice de éstas que no son: “comparables con la gloria venidera que ha de manifestarse en nosotros”. Si los sufrimientos son tan grandes, ¡cuánto más grande debe ser la gloria!   En otro pasaje, el apóstol Pablo se entrega a un delicioso estallido de imágenes espirituales cuando dice que: “esta leve tribulación momentánea produce en nosotros un cada vez más excelente y eterno peso de gloria” (2 Co. 4:17). Visto a gran escala, las aflicciones son peso pluma mientras que la gloria tiene un peso infinito. Si las juzgamos por el calendario, las aflicciones son momentáneas mientras que la gloria es eterna.   Cuando veamos al Salvador al final de la jornada, los sufrimientos de este tiempo presente se desvanecerán convirtiéndose en una insignificancia.    Cuando veamos a Jesús, todo habrá valido la pena.   Aun la prueba más grande, aquel día se verá pequeña.    Una mirada de Su rostro amado, toda pena borrará,    Con tal de ver a Cristo, con valor el paso apretaré.                                                              Esther K. Rusthoi

In this episode I review whether or not it is possible for the everyday homeowner or home buyer or general consumer to create their own list of comparables to value a property in today's market. I discussed civil reasons as to why they cannot and for what reasons they cannot. Listen to this for a great education!

Here are the notes I read from, responding to this op-ed piece and this review for a book I've talked to the author about but haven't read.Geoengineering Prologue or Epilogue for Humanity?Introduction, contextGeoengineering is becoming a more common topic as people feel more desperate. The common theme is that when things get serious, we have to put everything on the table, even things that may not work. The problem isn't if they'll work on their intended goal, but everything else. Over and over again in history, the unintended side-effects dwarf the intended ones. In fact, the story of oil, plastics, and most of our environmental problems today, since nobody chose to pollute but did try to improve people's lives despite side-effects they hoped would be small, geoengineering continues that story. Each time people thought they would solve. Each time it exacerbated and here we are.What got us into this mess won't get us out. It will get us deeper.Two recent pieces on geoengineering: Gernot Wagner book and David Keith NY Times editorial. Both results of months of just writing based on years of research and dedicated practice. I've met Gernot in person. Haven't read book but got some of it vocally. Don't know Keith but mutual friends.David Keith invited to engage by Twitter, which I think is disaster and one of our main problems today. People trying to checkmate each other in 160 characters, as he did in saying, please provide data.I will provide data, but not the kind he thinks. As you'll see, I believe history proves his approach disastrous.Both present unassailable perspective: we have to study, not dismiss out of hand, though I think they miss many have studied and out of thoughtful consideration and with difficulty but confidence reject.With 7.9 billion people, no objection to some studying. Plenty of resources.I don't say don't read the article or book. Besides that I haven't read the book, they mean well and want to save humanity from ecological catastrophe. Both value stopping emissions as primary.I'm not saying don't read them, but I recommend other works first. I'd startI may be misinterpreting, but I see them as approaching in two ways: at science and engineering level, understanding the situation, both the state of nature and the state of our technology, and innovating solutions. At the decision-making level, figuring out what we should do.I have a PhD in physics, I helped launch satellites with NASA and ESA to observe atmospheres, I've invented and patented several inventions, brought them working to the world, raising millions to do it. I also ran businesses, got an MBA, and coach executives at some of the world's largest and most prominent organizations, so I'm not a babe in the woods in these areas.How to look at itWhat data do I suggest and what do I suggest reading first, before their works?While tempting to look at it as engineering issue, I see it as high-stakes decision-making where we don't have the luxury of not responding somehow, can't possibly have all the information we want, and sections of global economy including millions to billions of lives affected, even human extinction in play.There is precedent, which is the data and history to learn from.Caveat: nothing is perfectly relevant. We are in uncharted territory. In all comparisons, more differences than similarities. But we have no alternate universes to practice on, only history of huge decisions. I don't like situation either, but agree on research.Each comparable itself could be studied forever in infinite detail. None had control groups or alternative realities. But like Gernot and Keith, I believe more study. At end I'll get to where lines of research I prefer could lead.Comparables and resourcesVietnamMcNamara and best and brightest from Harvard, etc.Data was last war. Sought numbers in kill ratio, etc.But underlying model was Domino Theory, we're huge and they're third-world, we beat HitlerJohnson focused on domestic agenda, where he was master, and just wanted this to go away. Didn't face it.Military said we have solutions. Believed they could overpower, had to overpower because of Domino Theory.Domino Theory was wrong, without basis. Numbers distracted from hearts and minds.Simple, enjoyable resource on decision-making: Path to War, "Television critic Matt Zoller Seitz in his 2016 book named Path to War as the 6th greatest American TV-movie of all time"Also Fog of War about McNamara's reflections looking backSpace shuttleSome data but not relevant so had to extrapolate. People felt desperate and scared not to act.Lots of ways to interpret. There always will be. In this case they made the wrong choice. They knew if they chose otherwise, people could always second guess and say they were wrong.Resource: One of Harvard's case studies of conflicting interests. As physicist, Richard Feynman's stories of decision-making morass.Building highways into cities, Robert Moses, Jane JacobsRobert Moses always had the data and always got the funding. But data and projections were based on a model as flawed and unfounded as the Domino Theory, that traffic implied demand and more roads would lower congestion. Opposite happened most of the time. We have to live with results for centuries, including today's climate and pollution.By contrast, look at Amsterdam, especially channel called Not Just Bikes. Amsterdam could have looked like Houston does today. Imagine Houston looked like Amsterdam and was as livable.Resources: The Power Broker and Death and Life of Great American Cities.D-Day and EisenhowerTo launch or not launch invasion where weather is difficult to predict, can make all the difference, and if you don't go one day, moon and tides mean next time might be a month or never. Hundreds of thousands of men's lives at stake, or all of Europe and free world.Resource: Ike: Countdown to D-Day starring Tom Selleck for focusing on the decision-making and teamwork amid civilization-in-the-balance stress.Green Revolution and Norman BorlaugFaced with people dying immediately, he did what he could to save them. Mid-career he saw the consequences. He enabled more population growth. He used the term "population monster". If anyone knew population, the consequences of its growth, and balancing saving people now and risking bigger problems later and facing the systemic problems now, he did.He spent the latter half of his career talking about the population monster, helping the Population Media Center, for example.Resource, his own quote: The green revolution has won a temporary success in man's war against hunger and deprivation; it has given man a breathing space. If fully implemented, the revolution can provide sufficient food for sustenance during the next three decades. But the frightening power of human reproduction must also be curbed; otherwise the success of the green revolution will be ephemeral only.Most people still fail to comprehend the magnitude and menace of the “Population Monster”. . . Since man is potentially a rational being, however, I am confident that within the next two decades he will recognize the self-destructive course he steers along the road of irresponsible population growth…We haven't acted, his prediction is happening, and geoengineering will at least repeat the problem, more likely augment it. At least it seems a close comparison.Also, recent PBS American Experience on him.Cuban Missile CrisisJoint Chiefs of Staff said situation was serious and we had to act before missiles were armed.Even JFK thought negotiation wouldn't work. It did. We didn't invade.We learned decades later that the warheads were armed, Castro had approval. If he expected to be killed, he could have launched missiles to kill tens of millions and start WWIII.Data suggested invading was best option.Resource: Movie 13 Days. I haven't yet read the book.CVS Drugs -> HealthAll advice was to keep selling their top profit line. If they didn't, anyone could walk a few steps to another store.Within twelve months they reached former profit levels.Big case: the abolitionists pushing to end slavery in the British Empire. 1807.Their model and mineI think they see situation like we're heading to a cliff and have to stop the car. They say best solution is to take foot off gas, which is pollution and greenhouse gases, but that doesn't stop the car. Their solutions are more like putting chemical in gas tank to stop engine.I'll grant that view, but only looking at climate misses full situation. Our environmental problems are more than just temperature. If they see the cliff in front and rapidly approaching, I think they see it like the end of Thelma and Louise, broad, flat, lots of space. Not cops behind.But more than climate. It's more like we're on a thin promontory or like thin pier over since there are many other dangers. To the right might be biodiversity loss, which could doom us too. To the left, pollution. About 10 million people a year die from breathing air. But we need more dimensions we could fall off so maybe there are land mines, which represent deforestation, and huge storms representing ocean acidification, and we have to construct more things to represent overpopulation, overfishing, running out of minerals, depleting aquifers, depleting topsoil, and you've seen the headlines and know many more, few of which geoengineering would help and most of which it would exacerbate, not buy us time.So geoengineering is more like we're headed toward a cliff, already with cliffs immediately to our left and right, and more, and geoengineering is like slashing the tires or causing the engine to seize violently, which might possibly keep us from the cliff in front, but first causing us to lose control. Here the analogy is too small because it could cause us to fall off both the left, right, and other dimensions, hit a land mine, get hit by lightning, roll over and crash, and so on.But their version of the Domino Theory and self-confidence blinds them from seeing anything other than one problem and all the other side-effects and the line of thinking that got us here.LessonsActing out of desperation, helplessness, and hopelessness, even when desperate, produces poor decisions.Don't have to ignore long-term to act on short-term. We can regret wrong decisionsStudy leadership and decision-making. Rarely do technical solutions to social problems solve them.Look for social solutions to social problems. Look at Mechai Viravaidya in Thailand, Population Media Center.Expect unintended side-effects to be greater than effects, as Norman Borlaug eventually realized.Then there's how to learn any performance-based skill: practice. Want to get to Carnegie Hall, Wimbledon, or NBA finals? Practice. If you haven't practiced, you haven't developed the skills. Want to live sustainably? Try! If you pollute more than the average, you probably don't know many solutions that work. Just spoke with James Rebank, a bestselling author, a farmer who started path to industrial. When he tried regenerative things he couldn't have imagined worked.Watch Fog of War to see how McNamara saw how flawed their process was. For that matter, the term fog of war comes from Von Clausewitz. I'm in the middle of reading his work, but listen to my episode with Marine Corps General Von Riper, who cleaned up the floor with the US military in the millennium challenge, playing a woefully under-resourced red team.Solutions?My goal here is not to be comprehensive, just some quick thoughts since I don't want to take too long to respond to David Keith's tweets.There is a solution that works. Not full solution but major part: live sustainably, as humans have for about 300,000 years. The knee-jerk response is, "but we live differently today." Yes, how we live is what we have to change. The longer we wait, the harder.I just recorded a conversation with a guy who lost his legs to flesh-eating disease. Would you rather live sustainably or lose both legs? Because if you prefer living sustainably, well he was minutes from death, but just returned from Tokyo with a silver medal and shared how lucky his life and great he's made it. He points out everyone suffers and we all face challenges often we didn't ask for. If he can with the choice you don't want, we can do so with the preferable choice. Only we'll eat more vegetables and live closer to family. Mostly life improvements.They downplay the possibility. Listeners to this podcast know I lived like the average American, probably polluting more, but dropped 90 percent. It was as hard for me as everyone, but once committed, doable. Once done, fun, freedom, joy, and better, because living by universal values. Actually, still going as skills develop.Engaging people we disagree with, who think there's no problem, who see population as impossible to changePope and evangelicalsFollowing domination to stewardship transformation (and Earth not center), grains of sand prophecy interpretation.Contraception: I haven't had vasectomy, but if you can imagine colonizing Mars, I can imagine an implant that can stop and start flow of sperm. Nearly half of pregnancies accidental. Nearly 300,000 years of human history was replacement level and endured. I can imagine a similar device for women. I can even imagine Popes endorsing.When we change our values we innovate just as much, but in direction of new values, which I propose to be stewardship and increasing Earth's ability to sustain life.We can come up with more solutions if we try. Few people are innovating by those values, certainly not in Silicon Valley, Washington DC, or academia. See acast.com/privacy for privacy and opt-out information.

Buen momento del sector y el espectacular momento por el que atraviesa el sector del acero inoxidable ayudado por el mayor control a las importaciones (cuota

Episode 080 - Is Your Comparable, Comparable? Agents and appraisers disagree about many things but almost none more vehemently than what comparables to use. Don't fret though, other appraisers, lenders, and homeowners constantly argue with appraisers too. The tough part, there are no rules or definition on what is a comparable property. In this episode, Brian talks about things to consider when searching for comparables and how to better help yourself in writing a CMA, discussing properties with an appraiser, and just maintaining your sanity on this topic.   SHOW NOTES 01:30 – Appraisers do not hate agents. 03:05 – Already up to 80 episodes. 03:20 – One of the top reasons for agents and appraisers to argue is over comparables. 03:55 – Many professionals don't agree what is a comparable is. 05:00 – There are some descriptions of a comparable: Fannie Mae and Freddie Mac, USPAP, and other text. 07:20 – Difficult to “define” a comparable so it becomes subjective. 08:10 – Things to consider when searching for comparables: bracketing. 10:00 – Lender will chime in on comparables. Appraiser has to appease the underwriter. 11:05 – Comparables should be similar physically, economically, locationally, and legally. 11:40 – Many people “know” what a comparable is, like it is a fact. Not possible. 13:10 – Agents have some awareness of comparables because they might know what a typical buyer would do. 15:10 – A comparable is not necessarily one that just supports the contract price, but not similar in amenities. 16:35 – Fannie and Freddie look at adjustments to the comparables. The more adjustments, the property might be less of a comparable. Proximity and sale date are also factors. 18:55 – A comparables is not a fact, so don't get mad because the appraiser doesn't use your comparables. 20:00 – Everyone says they have the “best” comparables but did they back it up? Explain why your comparables are the “best.” 20:50 – Explain why a property might NOT be a good comparable.   SHOW LINKS Comparable described by Fannie Mae – https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B4-Underwriting-Property/Chapter-B4-1-Appraisal-Requirements/Section-B4-1-3-Appraisal-Report-Assessment/1032992441/B4-1-3-08-Comparable-Sales-10-02-2018.htm#:~:text=Comparable%20sales%20should%20have%20similar,compared%20to%20the%20subject%20property.&text=Fannie%20Mae%20does%20allow%20for,appropriate%20for%20the%20appraiser's%20analysis. Appraisal Scoring Model – https://singlefamily.fanniemae.com/media/20576/display#:~:text=CU%20provides%20a%20numerical%20risk,that%20may%20require%20further%20attention.   BETWEEN THE LINES LINKS Email brian@brianclee.com   Web brianclee.com   Facebook https://www.facebook.com/groups/realestatebetweenthelines/ https://www.facebook.com/Brian-C-Lee-111822417027919/?   YouTube https://www.youtube.com/channel/UCcv4dHU39-b5_QVVCIhbcBA?  

Il est facile de confondre le blanc et le mildiou. Heureusement, on les contrôle de manière assez similaire.

Host Paul is back to give you some more property brain food - Let's talk comparables… A lot of people struggle with finding comparables, so I'm going to share how I approach finding the best comparables possible and give you lots of tips too.   Podcast Episode Links:  Access Free Training Join Our Facebook Property Deal Sourcing Community Property Data Website Our Blogs and Property Articles

Episode 067 – The Appraiser is Unbiased, Until the Dog Bites Him Bias in the appraisal world is a hot topic right now. In this episode, Brian talks about where a legal form of bias might come into the appraisal process and how you can handle it.   SHOW NOTES 00:55 – This episode is not about illegal bias and a future episode will include racial bias with a group of people. 03:00 – Bias does come into the appraisal process even outside of fair housing issue. 03:22 – USPAP states the appraiser must be unbiased as we are not an advocate for any transaction or a party in the transaction. 04:32 – By law cannot be biased based up Fair Housing concerns. 05:12 – There is some bias that is inherent in the appraisal process. Bias exists everywhere in our world in all things. 06:05 – Conscious bias. Value range sets up bias. We have to estimate the value of the property within the adjusted value range. 07:09 – Unconscious bias. Comp selection. What draws the appraiser to choose the comparables they ultimately select for their report. 08:36 – Adjustments have unconscious bias. 09:40 – Humans have bias in general and prone to persuasion. 12:30 – Dog bites tend to leave the appraiser with a bad taste in their mouth about the property. 14:10 – Comparable selection will likely be different between appraisers. Based upon objective criteria, but still looking at details that help us make a final decision on the comparables we select. 15:10 – Appraisal must conform to underwriting guidelines. Comparables are selected to “sell” the appraisal report to the lender’s underwriter. 16:35 – Adjustments are hard to substantiate. There is not a book on the adjustment. Are there things that make the property weird?   SHOW LINKS USPAP - https://www.appraisalfoundation.org/imis/taf/standards/q_as/taf/qas.aspx Conscious vs. Unconscious Bias - https://unleashpotential.ie/conscious-and-unconscious-bias/   BETWEEN THE LINES LINKS Email brian@brianclee.com   Web brianclee.com   Facebook https://www.facebook.com/groups/realestatebetweenthelines/ https://www.facebook.com/Brian-C-Lee-111822417027919/?   YouTube https://www.youtube.com/channel/UCcv4dHU39-b5_QVVCIhbcBA?  

One of the major terms entrepreneurs face when raising money for their business is valuation.  The key to success in getting the valuation you want is having a defensible number. You can get this by building comparables and in this episode I lay out how to build comparables (comps) using a free site an excel. If you're raising or thinking about raising money for your company you'll want to listen to this episode. I've use this approach to get a good valuation for my past companies and used it when I was a venture capitalist to negotiate valuation with founders. We want to thank our sponsor who makes this podcast possible... The Build a Business Success Secrets print newsletter Are you the type of person who wants to get 100% out of your time, talent, and ideas? If you are you'll also love our print newsletter... Build a Business Success Secrets Check it out today, it's FREE. One last note. We're going the extra mile for you... This episode is enhanced with Dolby Sound processing to give you a smooth, easy listening experience. Why are we investing the extra money to to this? Because you're worth it as one of our listeners! More Information on Build a Business Success Secrets  

Comparables are important. They can add, or subtract, from the purchase price. They can be the difference between acceptable, or unacceptable, terms. Be sure you are in the correct category. And be sure to pursue the correct buyer group.

*Meditación*”Pues tengo por cierto que las aflicciones del tiempo presente no son comparables con la gloria venidera que en nosotros ha de manifestarse.”* (Romanos 8:18)    Consideradas en sí mismas, las aflicciones del tiempo presente pueden ser espantosas. Reflexiono en los horribles sufrimientos de los mártires cristianos. Pienso en lo que algunos del pueblo de Dios han tenido que soportar en los campos de concentración. ¿Qué diremos acerca de los horribles sufrimientos asociados con la guerra? ¿Los crueles desmembramientos y parálisis relacionadas con los accidentes? ¿El dolor indecible de los cuerpos humanos atormentados por el cáncer u otras enfermedades?   Y sin embargo, el sufrimiento físico tan sólo es parte de la historia. En ocasiones parece que el dolor corporal es más fácil de sobrellevar que la tortura mental. ¿No es lo que Salomón tenía en mente cuando escribió: “El ánimo del hombre soportará su enfermedad; más ¿quién soportará al ánimo angustiado?” (Pr. 18:14)? Están las aflicciones que vienen con la infidelidad en la relación matrimonial, con la muerte de un ser amado o con la desilusión que viene tras un sueño hecho pedazos. Nos acongojamos al ser abandonados, y al ser traicionados por un amigo cercano. A menudo nos asombramos ante la capacidad de la constitución humana para soportar los golpes, las agonías y los dolores aplastantes de la vida.   Vistas por ellas mismas, estas aflicciones son abrumadoras. Pero cuando se ven junto a la gloria venidera, sólo son pinchazos de alfiler. Pablo dice de éstas que no son: “comparables con la gloria venidera que ha de manifestarse en nosotros”. Si los sufrimientos son tan grandes, ¡cuánto más grande debe ser la gloria!   En otro pasaje, el apóstol Pablo se entrega a un delicioso estallido de imágenes espirituales cuando dice que: “esta leve tribulación momentánea produce en nosotros un cada vez más excelente y eterno peso de gloria” (2 Co. 4:17). Visto a gran escala, las aflicciones son peso pluma mientras que la gloria tiene un peso infinito. Si las juzgamos por el calendario, las aflicciones son momentáneas mientras que la gloria es eterna.   Cuando veamos al Salvador al final de la jornada, los sufrimientos de este tiempo presente se desvanecerán convirtiéndose en una insignificancia.    Cuando veamos a Jesús, todo habrá valido la pena.   Aun la prueba más grande, aquel día se verá pequeña.   Una mirada de Su rostro amado, toda pena borrará,   Con tal de ver a Cristo, con valor el paso apretaré.                                                              Esther K. Rusthoi

In this video, we are going to talk about how to price your Airbnb without any data or comparables.

Running comps with PropStream is an easy and quick task. This training demo video shows you step by step how this real estate investing software can be used to find comparables for home sales and determine the after-repaired-value (ARV). SIGN UP FOR PROPSTREAM You can filter your comparable real estate properties by location, timeframe, number of properties, type of properties, and so much more to fine-tune the market value of your property. You have to use data and tech to stay competitive today. Your primary competitors are using this tool or another tool like it.  Take a few minutes to check out this PropStream tutorial demo video above on how to find home sale comps and ARV. GN UP FOR PROPSTREAM

What are comparables? What are they used for? And why do you need them? Listen in to find out!What real estate questions do you have? Feel free to call, text, email, or talk to us in person. We would be honored to help you and your friends achieve all of your real estate goals! Not in the Puget Sound Area? Reach out to us and we'll personally help you find an agent that fits your needs in whatever city or state you may be in. Want to start a career in real estate?? Reach out, we'd be happy to help you get started!Megan Harnmeganharn@kw.com@meganharnrealestatemeganharn.comAmber Bowlesamberbowlesrealty@gmail.com@amberlbowlesrealtyamberbowles.com

TSN Director of Scouting Craig Button joins the show to discuss the NHL Draft, the Maple Leafs 15th overall pick, the depth of this year's draft and more.

In this episode, Ryan discusses why you need to know the difference of your Zestimate value, Assessed Value, and the Market Value of your home. He also discusses the importance of why a real estate agent can be vital when it comes to pricing your home. 

Choosing the Wrong Comparables for a CMA?  What Would You Say?  Find out on Today's Podcast from Global Real Estate School Are you currently enrolled in a pre-license real estate school in the U.S.?  If so, and you need help, subscribe to my podcast for timely tips to help you pass the real estate exam on the first attempt!     You can also download valuable study aids from my website, http://www.GlobalRealEstateSchool.com Like us on Facebook ,https://www.facebook.com/GlobalRealEstateSchool/ Subscribe to our YouTube Channel  Follow me on Instagram @realestatetechguy    As always, "thank you" for listening to the podcast!

Choosing the Wrong Comparables for a CMA?  What Would You Say?  Find out on Today’s Podcast from Global Real Estate School Are you currently enrolled in a pre-license real estate school in the U.S.?  If so, and you need help, subscribe to my podcast for timely tips to help you pass the real estate exam on the first attempt!     You can also download valuable study aids from my website, http://www.GlobalRealEstateSchool.com Like us on Facebook ,https://www.facebook.com/GlobalRealEstateSchool/ Subscribe to our YouTube Channel  Follow me on Instagram @realestatetechguy    As always, "thank you" for listening to the podcast!

Episode 034 - Mortgage Underwriting Tips, Tricks and Myths with Missy Arbuckle PART 2 Being a legendary agent requires a knowledge base of the inner workings of the many parts of a real estate transaction. In this episode, we “pull back the curtain” and reveal a mysterious person that you never get to see, hear from or speak to…the underwriter! We want to help you to understand the back end of a lending decision so you can better prepare your clients for issues and concerns. Knowing and understanding the underwriting process helps you stand out as an expert. Last week we covered the process of underwriting the borrower. Today in PART 2, we'll discuss underwriting an appraisal report with Underwriter Missy Arbuckle with GVC Mortgage. She has some great stories too, so enjoy!   SHOW NOTES 01:15 – The B Appraiser god or B the Appraiser god. 02:14 – This is part 2, Part Deux, Hot Shots; We are speaking French for our Canadian listeners. 03:06 – Song of the episode: Def Leppard, “Bringin’ on the Heartbreak.” First hit that broke them into the US. One of the very first videos on MTV. The appraiser and the underwriter are going to bring on the heartbreak to agents. 04:33 – Introduce Missy Arbuckle again. Will keep B in check. 04:58 – In the loan process, the appraisal is a big component to the loan. So many things on the backend with the underwriter. So many more things to consider beyond just the value. 05:30 – Missy: looking at condition of the property. Comparables and how similar they are to the subject. Underwriter goes through every page of the report. Look to see what was available to the appraiser in the neighborhood. Sales, listings. Would like to stay within a mile and up to 10 miles in a rural property. Predominate value in the neighborhood. Zoning – commercial influence and agricultural. 06:43 – Cate: underwriter reads the appraisal report. 07:13 – Lender overlays: multiple sets for rules based upon loan type. What does that look like? 07:55 – Missy, B “…is absolutely right.” 08:45 – Conventional loan types do not have anywhere near the overlays or scrutiny that government back loans (FHA, VA, USDA) have. Look at anything that may need to be brought up to the loan standard, e.g. settlement, peeling paint, cracked windows. 09:48 – VA is a little more restrictive as they are always looking out for the veteran. If there is anything the appraiser notes that is a safety, sound or security issue with the home, VA will want it fixed. Looking at those things on top of the other criteria for the loan type. 10:35 – The appraiser is the “eyes and ears” for the underwriter. As such, underwriter might have questions and will send an email asking questions for additional clarification. 12:18 – Will the property meet the criteria for the loan? It is huge for the lender. If the lender must foreclose and take the home back, the lender is concerned. 12:34 – Appraiser has to “sell” the report to the underwriter so the lender can sell the loan in the secondary market. Appraiser has to write a “credible” report. 13:40 – Cate: overlays for different loan types. Are there different overlays for different lenders? 14:08 – Missy: more on the loan type. Conventional, FHA, VA all have most of the same rules. The borrower quirks may cause an issue, but typically the home does not change between lenders. 14:55 – Can an underwriter “override” an appraisal? Why doesn’t the underwriter override the appraisal more often? What kind of things are you looking at to override the appraisal? 16:03 – Overriding an appraisal: hasn’t happened in a while but have changed the value or asked for more or less requirements. As time has passed, the underwriter will stick with the guidelines of the agencies. 17:30 – Report comes in that agents are not happy with value or repair condition. Underwriter pretty much stays with what the appraiser says and will not override the appraiser. 18:05 – Comparable issue: underwriter does a little recon on the backside. They look at properties that were in the area. Look at adjustments. They will look at the BLC and ask the appraiser to look at other comps, not to override, but to get clarification. 18:50 – Fannie and Freddie also do their own “appraisal” via a computer algorithm and the appraisal report receives a score between 1 to 5. A 4 or 5 is a low quality or uncertain appraisal and will require more work. A 1 is a high quality and trustworthy report. 19:40 – The scale of 1 to 5; did appraiser write a credible report? 20:12 – Favorite story about an appraisal report: appraisal on a high rise and the entire house had been on fire. Insulation, ceiling was falling in and the interior was charred. They called it the “barbecue house.” Lender passed on that home. Crispy home. 22:40 – Quote of the Episode: “Try not to become a person of success. Rather become a person of value.” Success comes from the value you provide to your clients. 23:14 – Closing: Thank you Missy for joining us. Like a Reese’s cup, the underwriter and appraiser are two great tastes that taste great together…in a non-weird way. 24:06 – Appraisal and underwriting are two huge hurdles to get through in the purchase process. Understand those processes and you will have greater success.   SHOW LINKS Hot Shots, Part Deux - https://www.youtube.com/watch?v=aGOQyyQ_28I Def Leppard, "Bringin' On The Heartbreak" - https://www.youtube.com/watch?v=f_X5A-BYjO8 Does MTV play music videos? - https://ew.com/article/2012/11/13/mtv-stopped-playing-music-videos/ Acronym, AMC - https://www.investopedia.com/terms/a/appraisal-management-company-amc.asp Best Barbecue - https://www.escapehere.com/destination/the-8-best-states-to-experience-american-bbq/ Missy Arbuckle - https://www.linkedin.com/in/missy-arbuckle-841888167/ Reese's Cup Commercial - https://www.youtube.com/watch?v=DJLDF6qZUX0 and https://www.youtube.com/watch?v=GuENAWds5B0   BETWEEN THE LINES LINKS Email brian@brianclee.com cate@craftsmanrg.com   Web brianclee.com catelee.com realestatebetweenthelines.com   Facebook https://www.facebook.com/groups/realestatebetweenthelines/ https://www.facebook.com/Brian-C-Lee-111822417027919/?   YouTube https://www.youtube.com/channel/UCcv4dHU39-b5_QVVCIhbcBA?

Thomas Drance of the Athletic Vancouver says Jake Virtanen could ask for around $3m in RFA talks, as comparables put him at that level. Drance says Troy Stecher loves being a Canucks, but isn't sure Stecher can replace Chris Tanev's minutes effectively, and Drancer also says a three-year deal worth around $2m would be good value for Adam Gaudette

Here's a quick primer on determining the value or both Residential and Commercial Real Estate.  Terms used: Comps, Comparables, GRM, Cap Rate, Cap Rate Compression.

This week on Ask Rob & Rob, the guys are back again with two different questions that they've not covered previously. They'll be talking about what to do in the event of there being a lack of comparables discussing if properties that have lost value are worth investing in now. Our first caller today is Paul from Burnley. At the beginning of the year Paul purchased his first buy-to-let property and now he's hoping to soon complete on property number six!  That's pretty good going for less than 12 month's work!  Paul's strategy is buy-refurbish-refinance with a difference - he focuses on  bungalows. So not your usual property choice, but clearly it's working for him. However he's now ran into a bit of an issue. Because it's such a niche strategy, he's having difficulties when it comes to searching for comparables in order to remortgage the properties.  Obviously Paul's end game is to have made as much profit as possible on the properties, so he's wondering what he can do to prepare that information when the valuations take place?  Luckily, Rob D is on hand to offer Paul some pointers on how he can go about this. The second question comes from Luke in Liverpool. He has a small portfolio himself and is continuously looking to add to it.  He's been keeping his eye on the local market in and around Liverpool, in different areas and has noticed that some developments that were priced between £130,000 - £140,000 are now on the market for around £90,000.  So now he's wondering if these kind of properties are a good investment opportunity or if they are just going to continuously lose value and he should stay well away?  Naturally, there was only one Rob that could offer advice on the Liverpool market, cue Rob B.   Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).    Or if you prefer, click here to leave a recording via your computer instead. The next question on Ask Rob & Rob could be yours.  Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

‘Chucky’ vs. Pulisic: ¿son comparables?

Here are three mistakes to avoid when listing your home in Hoboken this year:  The first common seller mistake is not taking time to prep your home. For our part, we’ll have an interior designer come out to your home to determine where we should focus our preparation efforts. Using their feedback, we’ll have your home looking like a model property before we introduce it to the market.  We all know that exciting, warm feeling that stems from walking through a model home, and our goal is to elicit the same response from the buyers who see your home. When a buyer gets excited about your home, it means more money in your pocket at closing and a quicker sale. “As the old saying goes, “You get what you pay for,” and that’s no less true in real estate.” Secondly, overpricing your home can have major consequences. I understand if you feel that your home is special and unique, and it is, but we need to make sure we price it based on what the market says it’s worth—not what we think it’s worth. We in the real estate business rely heavily on comps, or comparables, to help us determine a home’s value. Comparables are properties that have been on the market for a short time and are similar to yours.  They’re an important tool in keeping us from doing what no seller should do: price their home above market value. Your home will have the most buyer exposure in its first two to three weeks on the market, and we want to be sure to take advantage of that momentum.  If we overprice right from the start, three weeks or a month could go by with little to no buyer interest, forcing us to reduce your home’s price. Price reductions tend to attract the sharks (i.e., lowball offers)—something we wanted to avoid in the first place. It’s very important to look at similar homes and stay in line with current market conditions. It’s last on the list, but hiring a bad agent is just as big a mistake as the others. Everywhere you look, you see marketing and ads from other agents battling to be the cheapest agent in the area. As the old saying goes, “You get what you pay for,” and that’s no less true in real estate.  Now, I’m not suggesting you shouldn’t give a discount agent a chance. Feel free to meet with them to see what they have to offer, but also interview a few others like the Riolo Residential Group. Who you work with matters; we have a proven strategy that will achieve the results you are looking for with the sale of your home.  If you have any questions or you’re curious about your home’s value in today’s market, please feel free to give us a call at 201-253-5594 or email me at Brian@RioloResidentialGroup.com. We hope to hear from you soon!

Thomas walks you through the simple comparable method or "comps" that most Realtors, real estate agents and appraisers use to establish your home's market value and the pitfalls using the presumptive and often inaccurate third party "FREE" online property valuations. Ultimately the market decides your value and Thomas explains how that decision is made.

Mike Flaherty* joins us from L5 Investments to answer questions about Due Diligence, the Closing Process and Raising Money. *Michael Flaherty is the Founder and Managing Partner of L5 Real Estate Investments. Throughout his career, Mike has been involved in the ownership, development and entitlements of more than 200 commercial and residential properties nationwide, valued at over $1 billion – including multi-family, resort, hospitality, office, retail and large master-planned residential communities. He has worked internationally and domestically for Lend Lease, British Petroleum and Toll Brothers. His passion for multi-family investment performance is based on his niche for detailed due diligence, market analysis and acquisition of value-add opportunities. Mike actively participates in all acquisitions and management of L5 assets. Prior to founding L5, Mike was a Partner with Cardinal Real Investments, where the focus was on the astute repositioning and development of residential and commercial real estate in Los Angeles and New York City. This included the repositioning of a $29 million office building and an $18 million mixed-use development.​Mike also takes us through the critical dates associated with being under contract with a seller, dealing with rights to earnest money deposits, and he explains how there is so much to follow along the due diligence path that that is necessary to take specific steps, and he provides strategies to navigate this process.Mentioned on the show, a free bookWant to attend our annual Real estate investing summit Save $100 with this promo code: SOC100Like us → https://www.facebook.com/rementorFollow us → https://twitter.com/Real_REmentorInstagram → https://www.instagram.com/re.mentorWebsite → rementor.com

Hey everyone!  It’s Keri TV.  Today we are going to learn a new language.  Yeah!  The language of real estate.  Stay tuned.   [music]   Of course, every industry has their own norms, but real estate is known for its acronyms and really weird terms for everything.  A lot of times when you hear people talking you may not want to be, hey, what are you talking about?  This is my little A-Z guide.  We’re going to focus on seller lingo.  The Language of Real Estate, seller lingo.  Here we go. Now, this could be confusing if you’re friends with me, because I also speak in acronyms in my own language.  Stay tuned.   We’ll go in alphabetical order.  First is the affidavit of title.  This is one of the most important portions because this dictates who owns the property.  The title is a written document that shows who owns it and how their names are on title.  One owner, two owners, or a trust.  It shows the chain of title.  When they bought it, who they bought it from any inter-spousal transfer deed, notice of default, notice of sales, re-fi’s, and the whole shebang.    Second is agent.  Yeah, that’s us!  Agent is a licensed professional used to represent the buyer or the seller, buyer and seller separately.  They’re licensed by the state of California, and they’re part of the National Association of Realtors.  They have to abide by a code of moral ethics and standards.  Just so you know, if you ever see someone doing something shady, they’re not supposed to be doing that.  They could have their license taken away from them.   Next, appraisal.  What the heck is an appraisal?  Appraisal is a fancy word for a value.  When you are in escrow, if the buyer has a loan, an appraiser comes in, that’s a neutral third party.  The lender is not allowed to talk to him.  Usually the buyer’s agent doesn’t have communication with him.  They call the listing agent directly.  They come up with a market value for your property.  This is based on local comps and is a really important part of the transaction.  Normally appraisers bring the price in at the purchase price unless it’s really off.  Now, why do you need an appraisal?  It’s actually because a bank does not want to lend on a property that is not really that value.  It prevents scams from happening.  If someone’s saying the property is worth two million and the appraiser comes in and all the comps are at three, they’re going to be like uh, no, sorry.  It prevents fraud from happening and also gives the bank assurance that this property is the right value.   As is.  The contract, the residential purchase agreement itself, has an as-is clause in there.  That means the seller is selling it without doing any repairs.  That is the basic.  Now, what happens to it as-is, the buyer still has the right to elect to ask for repairs or credits.  But it is sold as-is.  A lot of times you’ll see sellers re-write on a counter as-is, and in all reality, it already is as-is.  But they’re really trying to dig it in as-is.  Okay, I get it.  It doesn’t mean the buyer doesn’t have the right to inspect.   Next step.  Bom.  What?  Bomb?  No, just kidding.  Back on the market, this is something we use way too often that we need to stop doing.  Back on the market means that it was on the market.  It was off the market.  It could have been on hold, taken temporarily off the market or it could’ve been in escrow.  It’s now back on.  Fresh face.  What do they call it?  Makeover.  It could be a variety of reasons.  It doesn’t mean it’s a bad thing if it comes back on the market.  A buyer could’ve gotten into escrow and had to fly to China for a job change or somebody in the family passed away or a variety of reasons.  Most of the time, sometimes they’re just writing on a bunch of properties.  They get one and have to cancel on one, unless they’re buying everything.    Back up offer.  What is a backup offer?  Are they in the back of the line?  Are they backing it up? No.  Back up offer is if you have an accepted offer on a property and somebody else is also interested.  They can write an offer and be in backup position.  You can be back up number one, number two, or number three.  What’s cool about being a backup is if that first buyer, who’s in escrow, backs out of the contract, it immediately backs up to you and you automatically go into escrow.  You still have your three days for your deposit and your inspection time frames, et cetera, but it gives you the opportunity to secure the property versus it going back on the market.  We like back up offers.  In this market, there’s about forty to fifty percent of properties coming Bom every day.  It’s chaotic out there right now.   Bidding war.  I love when people tell me they don’t want to be in a bidding war.  Well, you may not buy a property.  Bidding war is not a bad thing.  A lot of times great properties have a lot of offers on them.  Bidding war just means there’s more than one person bidding on a property.   Brokerage.  That’s who we work for.  We are independent agents underneath a name.  We are at the agency, which we have a DBA, and then another, like Keller Williams, Prudential, or Compass.  Those are the brokers.  We are the individual agents.    Broker’s tour.  Yeah, broker party!  This is when all the brokers run around and see new property, so you may hear the word broker’s tour.  They say, oh, it’s open but it’s a broker’s tour.  People say, well, can I see it?  Yeah.  The more the merrier.  You can come on too.  The broker’s open.  Broker’s tour.   Buyer’s agent and buyer’s market.  I think you know what those mean.   Capital gain.  If you’re in a property where you’re making money on it – yeah good for you!  Make sure you talk to your accountant about your capital gain taxes.  There’s certain limitations and certain taxes you have to pay if you sell before two years.  There’s limitations if you’re single or if you’re married for how much you can write off against your capital gains.  Talk to your accountant about that, don’t talk to me about it.   Closing.  This is a fun word because we use this word all the time.  What is a closing?  What’s a close date?  What happens at close?  People are like, closing, what are you, who’s closing?  Is that a door?  Do they lock the door?  What is going on?  Closing means – I don’t even know why we use that – closing means it recorded.  It should be called record.  Anyway, when you get close to closing, that’s the time when your final down payment’s going in or the seller is getting escrow the information on where they want their check to go, yeah!  To Vegas!  Just kidding.  To their bank account.  This means that the funds are going into either the escrow or to the lender, and then it goes to the county recorder’s office and records.  Nobody actually goes anywhere in person.  The closing happens in the air, in the cloud.  Well, it happens down at the LA county recorder’s office.  You don’t have to be anywhere at closing.  It’s a mythical place.  You get notified and then you go get your keys.  We’re not going to define keys today though, sorry.   Closing statement.  Oh god, another closing thing.  Closing statement, again, it’s like a recording statement.  This is all the fees that you will need to pay.  This is the seller’s side.  All the fees, commissions, credits, per rate of taxes, etcetera.  You won’t have to pay for any time you don’t live at the property, so don’t worry about that.   Commissions.   This is the fee to the agents for all our hard work and dedication.  Thank you.    Commission split refers to how much each side gets.  Usually it’s equal, but not all the time.   Comparables.  Oh my god, we’re only at C guys.  Oh, do you have your popcorn?  I always talk about popcorn.  Maybe you don’t even need popcorn.  Zucchini chips?  Okay, comparable.  Comparables are used in a CMA.    CMA is a common term we use all the time that people are probably like, what are they talking about?  Comparable market analysis.  This is when we take similar properties that are on the market, in escrow, and sold usually within usually a half to mile radius within a similar square footage that compare to the property.  We explain why they’re superior or inferior and where the property should probably be priced at.  Now, we don’t live in cookie-cutter tract homes here.  Nothing wrong with that.  All our properties are so unique that it’s hard to do an apples-to-apples comparison, which is normal in other areas that have tract homes.  It is a little more challenging to do a CMA in our area, so you definitely have to give a little give and take.  Every property is so different, the building, the view, the space on the street, et cetera.   Counteroffer.  This is in conjunction with an offer.  The buyer or seller can then send a counteroffer.   Curb appeal.  This goes into staging your home and getting your home ready.  When people drive by, they’re either going to be into it or they’re going to be out of it.  Curb appeal is a big deal.  People, when they’re driving up to a house, that first feeling they get when the look at it, ah, makes a big difference.  That curb appeal, have that on check.   Days on market, DOM.   DOM, like BOM.  Days on market.  This refers to when the property was actively listed.  This can vary if it goes into escrow.  When it comes back, there will be a bigger gap because of that time that it was in escrow.  You have to take that into account when you’re looking at the Doms.   Disclosures.  These are documents, a lot of documents.  So many documents.  You know why?  They protect you.  Disclosures come through the transaction and they have information, help, and knowledge for both buyer and seller.  Disclosures come from the city, our resource companies and from the seller.    Earnest money and escrow count.  This is the three percent deposit that the buyer puts in when you’re in escrow.  It can be called a deposit or your earnest money, but this is what the good-faith is showing that you are ready willing and able to buy the property.    Fiduciary relationship.  This is what your agent does.   FSBO.  Have you heard that one?  For sale by owner.  Seller’s trying to sell without an agent and they want to go through all those fun disclosures all by themselves.  Crazy.   Inclusions is everything you’re leaving with the property.  Yup.  We are only at I.   Lease option.  These are really complicated.  This goes into if you want to lease a property and a portion of that can go towards – I’m not going to talk about a lease option here – but basically, when you lease a property and plan to buy it.  There’s various ways to set this up but that’s what a lease option is.   MLS.  We use this all the time.  MLS is the multiple listing service.  What is that?  It is the be-all, end-all, truth of all real estate where all the information goes into, and then it goes out to Zillow, Redfin, and all the other sites that take the information and then put it out to you.  The MLS is the hub.  The beginning.  Unless you have a pocket listing which we do a lot of, that doesn’t go in the MLS.    Pending.  What is pending?  That is a great question.  Pending, under contract, or back up offers are kind of all the same thing.  Essentially, when a property goes into escrow, it’s accepting backup offers, even if it has one, it can have more.  Pending is usually when the contingencies are released.  It’s now no longer taking backup offers.   Preview appointment?  What is a preview?  What does that mean?  Who wants to preview?  Why would you preview?  Preview means you go to take a look at the property to see if it’s worth your client going to see or an agent’s coming to the seller’s house to see if their client likes it.  Previewing is great, because there’s a lot of things you just can’t tell from photos, kind of like dating.  Don’t have to do that anymore.   Quitclaim deed.  This is something that happens if a seller for some reason needs one of the people on title off.  Maybe they buy it and then have to quitclaim it off, but it’s a notarized document that can change how you hold title.    Relist.  This means the property’s going to be listed again.  It’s the same thing as the listing.  It just was listed.  It’s kind of like somebody being single.   Transaction.  The transaction is actually when you’re in escrow.  It’s what we call it.  You’re in the transaction before you’re closing.  Again, all these terms we use are crazy.  Transaction.  People will say, I just closed a transaction, I just closed a deal.  Really, the house just recorded and changed title.   Those are, again, the real estate language that we use.  That’s fun, when you’re in a transaction, whether you’re buying or selling, it’s always an exciting time.   Walkthrough.  We went all the way to W.  We didn’t quite get to Z.  Walkthrough is when you go through the property and make sure that everything is still in the same condition as when you purchased it and that the repairs were done.  Nobody kicked holes in the wall.  Walkthroughs are really important to do right before you close escrow.   So, can you believe I just went through A to, technically W, on house lingo?  Get this, that wasn’t even the buyer’s one.  Thanks for watching and it’s okay, you can still call me and ask me all these questions.  See you next week.   [music]  

Thanks for tuning in to episode 17! Todays episode takes you through the ins and outs of utilizing comparables when buying/selling homes. In this episode we discuss how to find the comps, how to analyze each property and how to confidently determine the appropriate price for your home. We take you through using comps when buying/selling your home, finding a fix and flip (with ARV) and comps for buy and hold properties. For a full breakdown of our discussion on comparables, check out the show notes at buildingbluebird.com/blog/17. To follow all of our behind the scenes shenanigans check out our instagram account @buildingbluebird.

Hey, why not a little extra boring bonussssss for your Bills!  Your Presenters hand-select tracks off the Hot Country Singles, Easy Listening and R&B Charts charts from 1972.  Plus the cross-generational cross-firing segment that savagely pits number  one hits from 1972 against number one hits from 2012, it's The Millennial Matchup (aka The Comparables).  Also, Danny reveals his startling wedding news to the unsuspecting Dave & Brandon!  

Ryan Harper, COO of Propelio, is on the show to discuss real estate comparables (comps), and so much more! Make sure the property you are researching is comparable to the other properties in the neighborhood — taking into consideration square feet, upgrades and bedrooms/bathrooms. There is plenty more when you are pulling comps, but you want to get as close as possible of “like to like.” Learn about the geographic range when going over comps and looking at properties. Just by looking at a map and knowing the neighborhood you can find “dividers” such as major intersections, school districts, bodies of waters etc. Aside from the geographical data and the comps, Ryan also urges listeners to look at other factors, like employment data; is your property in an area that just laid-off hundreds or thousands of people? Understand your numbers and do your due diligence. Tune in to find out all the “golden nuggets” Ryan has to offer. To learn more about Ryan and his company, visit Propelio.com today and use the code PROPELIO for 20% off.

Episode 89: Other data to consider besides comparables Today topic is for the seller's side. Walter discusses "What other data to consider besides looking at comparable properties when you're looking to list your property" There are a few different elements that you need to look at. Listen to this weeks episode now!  

Join our free memo distribution list at - www.focusedcompounding.com   Thanks for listening, and be sure to sign up using the promo code **Podcast** to get $10 off your monthly subscription price forever.   Contact Andrew at:  Twitter: @Focusedcompound Email:  info@focusedcompounding.com   Contact Geoff at: Twitter: @GeoffGannon Email:  gannononinvesting@gmail.com  

Listen as Keith explains how he determines ARV (After Repaired Value) and LTV (Loan To Value) for short-term flips as well as long-term rentals.  Learn the reason why he discounts his  LTV on rentals and other insights on this episode.   Please visit:  texas100.org and donate to make a difference for Real Estate investors and the communities we serve!

Real Realtors 19: Keli Renner   In Real Estate, almost every sale will need the assistance of an appraiser. In some instances however, an appraisal is needed outside of a sale or refinance. Today on Real Realtors, we have Keli Renner, who has been doping appraisals since 1987 to explain why appraisals are needed and how her process works. Email: kelirenner@yahoo.com                       Phone: 925-959-6052   Getting Started Started in 1987 Licensing/ Requirements Why Real Estate is enjoyable Freddy Mac Automated Appraisals Pros and Cons Keep skill set diverse Why You Need an Appraiser Divorce settlements Equity loans Process Characteristics What the property provides Schools City properties Inspections Sales/ Cost/ Income approach Square footage approach Gross living area Comparables Expand parameters Residential vs. Condos Specific to the form General purpose appraisals Manufactured Homes Rules and Regulations Certificate of Occupancy Zoning Cap Rates Not in 1-4 zones More Commercial Level Cost Approach Land improvements Variables based on zip codes Bay Area Values High income drives value up Affects time appraisals Corrections? Bitcoin/ Currency Same process Indicate in paperwork which currency is used Becomes and underwriting issue How to cash it out? Rebuttals Impact on final value Comparables involved Filter Views Wrap Up/ Contact information

Baseballholics Anonymous Ep 83: The Comparables are Variable   Groundskeeping Twitter: @SammyReidFI, @doug_thorburn email: Baseballholics@gmail.com     1st Base (~1:30) News A Bomb Cyclone Stove Bruce Back to Mets Cole Traded to HOU   2nd Base (~20:45) Extract Doug: Gerrit Cole Sammy: J.D. Martinez (~37:15)   3rd Base (~47:45) Game: Read Between the Lies Sammy visiting, Doug home    Home (~1:03:15)  Regression Across the Board?     Music by The Ghost Notes: Intro – Hold On Outro – Never Seems Right   Break Music by PBR Streetgang

When you’re looking at buying a home, it’s very important to have your agent run comparables on the home before you decide on making an offer. What we’re seeing more and more in this area is listing agents are purposely pricing the home low to get multiple offers. In many situations, we are seeing a $1 million home being priced at $600,000. It creates a craze among buyers who are looking at this $1 million home and thinking they can get it for $600,000. The idea behind this strategy is that the listing agent and the seller want to create a multiple offer situation in which the potential buyers are trying to outbid each other and end up going over the actual price of the home. “RUNNING COMPS BEFORE SUBMITTING AN OFFER WILL HELP YOU ANTICIPATE WHAT OTHER OFFERS WILL BE.” Comparables, or “comps,” are properties that have sold that are like-kind in your area in the last 60 to 90 days. If you’re buying a home in the area and you want to make sure you’re putting in your highest and best offer, make sure you have your agent run the comps on that home to know what it will actually sell for. Doing this also helps you anticipate what kind of offers you may be competing against for the home and helps establish a reasonable market value for the property. To set yourself up to get the best outcome as a buyer or a seller, make sure you’re doing your homework and having your agent working for you to find these things out ahead of time. If you’re looking to buy or sell a home or you have any other real estate questions, please don’t hesitate to give me a call. I’d be happy to help.

Découvrez la méthode étrange pour vous démarquer des autres produits équivalents au vôtre. Comment dénicher des promesses uniques qui donnent du prestige à votre produit ? Il s’agit d’une méthode peu partagée et encore moins utilisée… Et pourtant elle donne des résultats remarquables sur l’utilisation du pouvoir des mots qui transforme des personnes qualifiées en […]

Programa 6x01 MEGA-GAMER. En este podcast, vamos a analizar si realmente estos dos colosos separados por el tiempo, pueden o deben ser comparados. Youtube parece empeñado en buscar comparaciones, por lo que nos meteremos en el barro para analizar e intentar desgranar si las virtudes del nuevo "Zelda Breath Of The Wild", son tan abrumadoras como para superar al coloso "Zelda Ocarina Of Time", a los cuales les separan 20 años, así como también tocaremos un polémico tema, los Youtubers analistas.

A lot of different factors go into the art of pricing a luxury home. Today we're talking about a few of the important ones you need to know about.Schedule an Appointment With Us Today!Pricing luxury real estate is a complicated process. There are a lot of factors that determine the value of such properties, and today, I wanted to key in on four of the most important ones:Location: You've heard the phrase 'location, location, location' again and again because it's true. Is the home on a golf course? Does it look out over the water or polo fields? Location matters and adds a lot of value!Size: Luxury buyers tend to want more space, so the larger the property, the larger the value. Special amenities and uniqueness: Every luxury property has something unique about it like heated marble floors, an infinity pool, or retractable screen enclosures. What does a home have that lets us tell the story of its uniqueness?Comparables: You won't find the perfect match, but you will find that these comparables will help you find the market value to price the listing at. Pricing luxury property is both a science and an art. If you're interested in learning more about joining our luxury sales team, click here to set up an appointment with me. Until then, make it a great day!

Estudio Bíblico del Libro de Romanos Romanos 8:18 Las Aflicciones no son Comparables Mateo López 16/11/13

In valuation theory, comparables are referred to as those companies or deals that are similar in size, type of company and industry. To learn more check out our article: https://www.equidam.com/comparables-defend-valuation/ Do you know your valuation? Find out how much your business is worth on: www.equidam.com

Appraisals are a confusing topic in the world of real estate, so I wanted to break the process down for you. Perhaps the most confusing aspect is the difference between a home's appraised value and its fair market value.Buying a Bucks County area home?  Perform a full home search Selling your Bucks County home? Get a free Home Price EvaluationToday, I wanted to talk about home appraisals and how appraised value relates to fair market value. These values are not necessarily equal, and that can create issues. Most real estate transactions today have an appraisal contingency, so any buyer with a mortgage will need to have an appraisal done. The appraisal itself is a formal process in which an appraiser compares the property to other comparable properties. These comparables will only be properties that sold recently; they don't like to look back further than six months. From a time frame perspective, though, you have to be careful. Even if a house sold five months prior to your appraisal, it could have sat on the market for three months, meaning the information they're using is actually eight months old. “Comparables will only be properties that sold recently. ” The appraiser will compare features like size, lot size, the number of bedrooms and bathrooms, etc. to the house being sold. Normally, they use three comparables. The challenge from an appraisal standpoint is that a lot of things that buyers are willing to impart value to, like finished basements, may not transfer well in terms of appraised value. A home with an over-the-top , $75,000 finished basement may get a value adjustment of just $12,000 to $15,000, even though a buyer may value it much higher. If a buyer is putting down 20%, the bank will lend 80% of the appraised value or sale price–whichever is lower. When homes don't appraise for the sale price, it creates a lot of challenges. I have an appraiser that I work with often, and he always tells people that the appraised value is not the fair market value. The fair market value is essentially what a buyer and a seller agree on in an arm's length transaction. Since the appraiser uses historic data, it doesn't necessarily mean the appraised value is the fair market value. A home needs to appraise for the sales price, but there are a few exceptions. A buyer can offer extra cash, the buyer can come down in sales price, or they can meet somewhere in the middle. I've certainly been through my share of home transactions where the house didn't appraise. If you have any questions about appraisals or about real estate in general in Bucks County, give me a call. I'd love to hear from you! 

Ben and Sam banter about Ichiro Suzuki’s resurgence, Clayton Kershaw’s continued dominance, and Rich Hill’s free-agent outlook.

Ian Walsh & Dan Breslin discuss the process evaluating values of real estate.  The #1 most valuable skill a real estate investor must master is the art of assessing the value of a deal.  Without KNOWING the value, you’re just shooting in the dark. Episode #28 Includes: 4 Step Process of Analyzing a Deal Comps from a Lender’s Perspective Why Active Comps ARE Important, but also Worthless How to Analyze a Deal without Ever Physically Visiting the House. Claim Your Copy of “7 Sources of Off Market Deals” by Dan Breslin www.REIDiamonds.com Relevant Episodes Episode #17 Ian Walsh on Funding Deals Using Hard Money Loans Episode #20 Jim Zazpel on High Volume House Flipping Episode #16 Kirby Atwell on Founding a Luxury Home Building Company

Beamz has created state-of-the-art interactive laser controller technology that can be used to develop new market opportunities in a wide variety of music, education, healthcare, gaming and consumer applications. This innovative new music technology and product offering brings music to literally everyone in a way that was previously not possible. Beamz has Strong Market and Corporate Drivers: Overwhelming positive reviews - in the consumer electronics and music industries: “Top Five Coolest Products” at CES by Billboard.com “Best of CES” by Leo LePorte on Regis and Kelly Gear Junkies Award - “Best DJ Gear” at Musikmesse 2013 Multiple markets include: mass consumer music; amateur & professional DJs; education, special needs, senior care & physical rehab… 10,000 units sold to date… currently in over 150 schools and institutions Strong intellectual property protection: 5 utility & 11 pending patents; multiple registered trademarks; confidentiality & non-disclosure agreements; non-published corporate trade secrets Highly profitable financial model – proven product with 50%+ margins for equipment sales and even higher margins for digital content and music Incentivized, veteran management team – with public company, capital markets and industry experience; Chairman/CEO owns 63.3% of BZIC shares; officers & directors beneficially own 83% Flo Rida licensing and endorsement deal – leverages multiple opportunities with the best-selling digital hip-hop artist in the world and his growing social media empire: 14 Million Facebook fans 3 Million followers on Twitter 75 Million combined singles sold worldwide 600 Million video views on YouTube 24-page Research Report by Murphy Analytics includes Operational Overview, Growth Plan, Strategic Initiatives & Licensing Agreement with Flo Rida, Market Opportunity, Discussion of Financials plus Comparables & ETF Performance

Beamz has created state-of-the-art interactive laser controller technology that can be used to develop new market opportunities in a wide variety of music, education, healthcare, gaming and consumer applications. This innovative new music technology and product offering brings music to literally everyone in a way that was previously not possible. Beamz has Strong Market and Corporate Drivers: Overwhelming positive reviews - in the consumer electronics and music industries: “Top Five Coolest Products” at CES by Billboard.com “Best of CES” by Leo LePorte on Regis and Kelly Gear Junkies Award - “Best DJ Gear” at Musikmesse 2013 Multiple markets include: mass consumer music; amateur & professional DJs; education, special needs, senior care & physical rehab… 10,000 units sold to date… currently in over 150 schools and institutions Strong intellectual property protection: 5 utility & 11 pending patents; multiple registered trademarks; confidentiality & non-disclosure agreements; non-published corporate trade secrets Highly profitable financial model – proven product with 50%+ margins for equipment sales and even higher margins for digital content and music Incentivized, veteran management team – with public company, capital markets and industry experience; Chairman/CEO owns 63.3% of BZIC shares; officers & directors beneficially own 83% Flo Rida licensing and endorsement deal – leverages multiple opportunities with the best-selling digital hip-hop artist in the world and his growing social media empire: 14 Million Facebook fans 3 Million followers on Twitter 75 Million combined singles sold worldwide 600 Million video views on YouTube 24-page Research Report by Murphy Analytics includes Operational Overview, Growth Plan, Strategic Initiatives & Licensing Agreement with Flo Rida, Market Opportunity, Discussion of Financials plus Comparables & ETF Performance