In today's Bonus Episode, Bianca, Carly and CeCe answer all your burning questions about writing and publishing. After which, Bianca chats with Elizabeth Held, creator of the What to Read substack, who answers your first batch of comp title requests. Followed by a chat with Emilie Sommer of East City Bookshop who answers the second batch of comp title requests.Find us on our socials:Twitter: @TSNOTYAW @BiancaM_author @carlywatters @ceciliaclyraInstagram: @biancamarais_author @carlywatters @cece_lyra_agent @ the_shit_about_writingFacebook: @tsnotyawWebsite: www.biancamarais.com and www.theshitaboutwriting.comEmilie can be found on Instagram at @emiliegsommer and East City Bookshop can be found at @eastcitybookshopElizabeth can be found on https://whattoreadif.substack.com and on Twitter at @ElizabethHeld
Drake Powell committed to North Carolina last Thursday, September 8. The 6'5, 170-pound high school junior is the first player to commit to UNC in the class of 2024. He's also the first-ever in-state commit for Hubert Davis. While Powell is not an elite-level talent, he currently projects to be a solid, multi-year rotation player for the Tar Heels. His calling card is defense, but has the make-up of someone whose shot should develop well over time. Powell also needs to add weight to his frame, but will have the opportunity to do that over his final two years of high school and will obviously benefit from the UNC strength program. Coach Pac Kilby joins Isaac Schade to break down Powell's game. Follow the show: Locked On Tar Heels (YouTube) Locked On Tar Heels (LinkTree) Locked On Tar Heels (Twitter) Locked On Tar Heels (Instagram) Isaac Schade (Twitter) Support Us By Supporting Our Sponsors! LinkedIn LinkedIn jobs helps you find the candidates you want to talk to, faster. Post your job for free at Linkedin.com/lockedoncollege Terms and conditions 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. BetOnline BetOnline.net has you covered this season with more props, odds and lines than ever before. BetOnline – Where The Game Starts! Upside Download the FREE Upside App and use promo code Locked to get $5 or more cash back on your first purchase of $10 or more. Underdog Fantasy Sign up on underdogfantasy.com with the promo code LOCKED ON and get your first deposit doubled up to $100! Learn more about your ad choices. Visit podcastchoices.com/adchoices
In Episode 105 of Rete This Way: A Calcio Podcast, Chris Bascelli, Julian D'Angelo, Michael D'Angelo and Paolo Mangone review Round 6 of the Serie A 22/23 season including Inter-Torino, Sampdoria-Milan and the VAR chaos in Lecce-Monza, Bologna-Fiorentina and Juventus-Salernitana; European Club Competitions Matchday 1 review; and Paolo gives his Serie B Minute.
Episode 8: How Many Nights do I Have to Have Rented to Break Even? [00:00:00] [00:00:05] Hey guys. Welcome back to the podcast. The short term rental authority podcast. We are John and Wendy Williams here to make you the best operator ever. [00:00:15] And today's topic is how many nights. per month, do you have to get it rented in order to break even right. And the answer to that is, and the answer is, it depends. John's answer to everything it depends. It truly does. But here's, here's what you need to figure out. You need to figure out what are your expenses? [00:00:37] So what are your, what are your basic expenses? Meaning if no one stayed there. at all that place still costs you something, right? We call it fixed expenses, but yeah. It's your fixed expenses. Yeah. And the reason what he said, eh, is because, well, you're figure here, I'll tell you what they are. They're your, what the place would rent for per month as a long term rental. [00:01:00] It's your gas, electric. Your utilities, water, all utilities, right. Which are technically variable, meaning they aren't exactly the same every month. Right. They're just not, but we include them as fixed expenses because we have to pay 'em regardless. You still have to pay something for electric. You don't turn it off when it's vacant net, right? [00:01:21] Yeah. Internet's more of a, I know what that is every month. Cuz it's the. Unless you have a plan that goes over data or whatever, but the, the idea is I, I need to know what all of those expenses are and it doesn't, here's what it doesn't include. It doesn't include cleaning. It doesn't include these other things that you are actually charging a fee for when someone is staying there. [00:01:43] Right. So it's just your fixed expenses. It's your rent? It's your. Utilities utilities. It's your insurance insurance. It's your, any software subscriptions you have that you pay either way. It's those things, and you add all that up and now you have a monthly [00:02:00] number, cuz truly that's what break even is it's right. [00:02:03] How much am I paying every month? How much am I paying every month? And how much do I have to make to break even mm-hmm to bring that back to zero. Right? Right. So. the question really becomes is, well, how much do you charge per night? Mm. So if you're, if your fixed expenses were, you know, $2,000, just to make it a round number and make the math easy, if you charge $2,000 a night, the answer is one, right? [00:02:32] if you charge a thousand dollars a night, the answer is two. If you charge $500 a night, the answer is I need four, cuz I'm trying to get to 2000. so it's very dependent on what is your nightly rate and the challenge becomes that your nightly rate? Well, at least it shouldn't be it should not be the same across the board. [00:02:56] Right. And it's very seasonal. So when I say it depends, not only does it depend on what are you charging per night? It also depends on when, in other. here in, for example, in our market, our seasonality is January's our worst month, June, July. Our tend to be our best months. So the number of nights we need to break, even in August, because we're charging more per night is actually less than it is in January, right? [00:03:26] Because we have a certain number that we have to get to, to break even that month. And if we're able to charge. That average daily rate char, if we charge more on that average daily rate, then we don't need to get it booked as much. Correct. And, and so average daily rate with that term it's or ADR, what that is, is what on average. [00:03:52] do you charge per night because every night's different weekends are different, even if it's just, Hey, it's this price during the week and this price on the [00:04:00] weekend, or it's this price in January and it's this price in July, right. It changes. Right. So your ADR actually changes per month. So how do you, how do you get to a place where, okay, I know I'm going to be able to make it. [00:04:14] And what we suggest is start looking at things over a 12 month period. Yeah. So start looking at average. Instead of trying to, trying to say this month, it's this and this month, it's this eventually you will figure that out as you have data, but you almost have to be operating for a year to, to know what your numbers are. [00:04:32] Yeah. I think that's a, a really interesting mindset shift that, that a lot of people need to make that are thinking about going into the short term rental spaces. yes, you do want to, to make money we're in business to make money, but it's important to, to think about it in think bigger, think, think, think of it in a year's worth in, in terms of a year instead of a, a daily rate. [00:05:05] Yeah. And so what you're looking for now is now what you can start doing is aver. out over the whole year. Right. And that's why you, why that's why you need to make that mindset shift. I think. Yes. Yeah, because it's, it's hard to say. That's why I said it depends. Cuz I had said, well, is it January? Or is it July? [00:05:24] Right? Right. So you need to have that mindset of, oh well. Okay. And I I'm let's look at bigger time periods. Let's let's make it let's let's go bigger here. Right. So the question was what's my average daily rate and the, and the real question is, well, what's your average yearly rate. Yes. Right. Is the real thing. [00:05:45] That's the real S what's your average daily rate over a year's period. Yes. And now you can start getting into, okay. On average, I need 13 days of the month rented to break even. Right. Right. But that probably means that in [00:06:00] January you need 20. And in July, maybe you need seven, right. But it averages out to 13. [00:06:06] Yes. So you're, so you're looking at, as long as you're looking at it over a long period of time, you can get more accurate with what mm-hmm that actual break even number is. Yeah. So I think that's a really great nugget. What you just said was mm-hmm the, it just shifting your mindset a little bit to. Not focus on so much about the, the, the average daily rate. [00:06:28] Think of it as a average yearly rate, right? Yeah. Which essentially comes down to an average daily rate, but take the yearly amount, take amount and divide it by 365 if you want. Okay. So if that's the case, then where, how do we even get started? Let's let's talk about. the tools that you can use to, to come up with that number. [00:06:56] Right? Cause that is a problem like that. It's, it's way easier to come up with that number if you've been operating for a year, right. Or even six months. Cause at least you have six months of data, but if you, if you're just starting and this is your, you know, only property of that type in this area, you have to have some way of figuring or at least estimating. [00:07:18] out to figure out, okay, what on average? And by the way, it's like, Hey, what you're really asking is does that sound reasonable? Can I get half the month rented and break even, or whatever that number is? Yeah. I think that is at the actual question that people really want to know the answer to. Right. Cause I always ask, why are you asking? [00:07:37] Well, I I'm afraid. do well. Right. And that's the concern is the fear that I'm not gonna get it rented. Yeah. And how do I estimate that? Yes. So yeah, here, here's a, a, a way to estimate that there's a tool out there called air DNA air DNA. Yep. And it's a subscription service you're going to want to pay for at least a month of it. [00:07:59] That's the [00:08:00] only way you're gonna get all the data you need. What it does is it looks at all of the reservations in your area on two platforms, Airbnb and V R B O. And it will come up with averages for every, say, two bedroom in that area and say, Hey, here's the average revenue for two bedrooms in your area. [00:08:24] But, but not all two bedrooms are created equally. Right? They're not. So you can, they're not even if they're next door. Yeah. And air DNA doesn't know that part. That's the problem. So the, you can't while it's all the data, that's the good part about it. The bad part about it is it's all the data. Right? so if I, for example, if what you're really looking for are, because remember, we're trying to figure out what is the annual revenue for. [00:08:54] The two bedroom I have. Well, I don't know yet because I don't have data. So I'm gonna go out to the market and look at other two bedrooms and what you have to do with a tool like air DNA is realize that 78, 80% of the data is actually junk and it's not useful to you. So what you have to do is go find true comps, cuz you're true. [00:09:13] Comps are not necessarily just other two bedrooms. Right? We've talked about this. It's not about the real estate. It's also about, are your photos good? Were they professional or did you do cell phone photos that affects profitability? Did you have it designed or did you let your cousin do it? Who bought stuff off Facebook marketplace? [00:09:33] The, you know, these things come into play. How long has that listing been up? In other words, is it someone who. Has this two bedroom that they make it available all year and it's only for guests or. is it the place they actually live in and they only rent it out when an event comes to town and then they go on vacation. [00:09:54] Right. But, but both of those types of properties are on air DNA and air [00:10:00] DNA doesn't know the difference. Right. And it's just gonna say two bedrooms do this. So what you have to do then is go in that area, open up air DNA, pay for an area. Usually it's a zip code or a city, and it will show you all the little dots on the. [00:10:16] and guess what you're gonna have to do, and you're gonna have to click on those click on every single one of those and click through to the listing. And here here's what you're looking for. And air DNA will tell you some of this and the listing will tell you the rest. So, oh yeah, this is good. So here's your three criteria for a true comp you're looking for a property that's been available at for at least 300 days to the last 365, 3 available for at least 300 days. [00:10:41] out of the last 360 out the last 365. So I'm looking for some, somebody that's actually it's been operating for a year, essentially. Right? Mm-hmm I'm looking for, does it have reviews? I mean, active reviews for every single month in the last year, like recent reviews? No, I mean every single month in the last year specifically, because I want to know that okay. [00:11:01] It was available, but were people actually staying there? Yeah. Right. That's that's your that's you have to click through the listing to find that. You know, does it have reviews? Is it truly an active listing? Cause it could be on there. And if it has no reviews in the last year, then it's not a comp, right. [00:11:18] It wasn't truly available for some reason, right. People weren't staying there. And the third criteria I'm looking at is, is it truly comparable to the property? I'm looking at meaning if, if it has a pool and mine does not, then I may expect it to actually make more money than. right, right. Or am I planning on doing professional photography, but this one has cell phone photos. [00:11:44] Well, I would tend to do better than that property. Right. And so, so I'm looking at the amenities. I'm looking at the quality of the listing. I'm looking at frankly, it's location. If it's, you know, on the lake, that's different than being two streets back, right. That's a [00:12:00] good point. So I'm, I'm looking for something and, and what I'm really trying to find is who's, who's the top of the market. [00:12:06] Because it will show you their annual revenue, as long as it meets those criteria. Who's at the middle of the market and who's at the bottom of the market and I'm gonna get a range there. And then I'm gonna go back to my property and be very true to myself and say, where does my property fall in that spectrum? [00:12:28] Hopefully we're not ever in the bottom of the market. Right. Cause we're at least gonna have good photos. Right? at. But that will tell you what the bottom is. You know, even if you do poorly, I know I can beat that. Yeah. Here's what he can expect. Yeah. But like I said, the top of the market may not be you because maybe that's recently renovated and has a pool and right. [00:12:48] A great location and you don't. Right. But if you have all those things, then, okay, that's your, that's your cop, but it's gonna give you a range in there. And I like to pick something in the middle, cause I know always I can always compete in the middle. Right. Just being an experienced operator. . And now that I have that yearly revenue number from that kind of middle ground, now I can back that into, well, I can simply divide by 12 and get monthly average revenue. [00:13:13] So you take the yearly number and air DNA will tell you what that year it's. It's gonna tell you yearly revenue. Yes. And that remember that's what, that's the mindset shift that we're, that we're trying to. Talk about and, and teach you about, so you take that yearly number and divide that by 12, and that at least gives you a monthly number and that will at least give you a monthly number, right? [00:13:37] Yes. And if I simply divided that by 30, it would tell me what my average daily rate was. Right. Because remember, I know it's not gonna be a hundred percent occupied, but the revenue has taken that into account already. Sure. Right. Right. So you take the yearly average. Divide that by 12, that will give you a monthly average. [00:13:58] And you can take that monthly [00:14:00] average and divide that by 30. And that will give you an average day, an average daily rate that then now I can say, okay, now that I know what my expenses are, I can simply take my expense average expenses, divide that by the average daily rate. And then I'll tell me on average per month, what I need to do to break. [00:14:22] but again, then you kind of look at seasonality and you know, you're not gonna do that exact number every month. You're just not right. Right. Hopefully that's just break even hopefully do better than that on average. Well, we're not in business to break even. Right. But that that'll, that'll give you an idea, but at least it'll give you an idea. [00:14:37] A start. That's a good starting point. If you're just getting started and keep in mind, it's just an estimate. So it's, it's not gonna be exact. Right. And there are other things that come into play. Like I, it's not gonna be vacant. We're gonna have cleaning. We typically charge a little more than the cleaners charge us. [00:14:53] So there's a revenue source there, right? So there are other revenues early, late check-ins pet fees. Yep. All those kind of things that Aird a isn't considering, right. Extra cleanings that are actually sources of revenue as well. But you can almost just treat those as icing on the cake and kinda leave 'em out of the equation. [00:15:09] Sure. I think that's smart to do, because we really were just choose, you know, talking about average daily rate. Right, right. The, the, the, the room rate mm-hmm, what we charge for the room. So air DNA is a great tool that, that you can use. And we've just explained how to use that. And you also have another really great. [00:15:32] for people. Oh, another source of figuring out that uh, yes. So here's, here's another way you can kind of estimate what the average daily rate is call up your local extended stay and it has to be an extended stay hotel. Yeah. You're looking for a place that has a kitchen at that's that's the primary criteria. [00:15:50] So you're, you know, extended stay Americas, a large one you're, you know, Candlewood suites. There's different brands of these extended stay hotel. And you're looking [00:16:00] for a hotel room with the kitchenette. Cause that's the closest they're gonna get to what we do, right. And simply call them, don't go on the website. [00:16:08] No, don't go on the website. Like simply call them and get a quote for an actual two months. Stay say, I wanna stay September 1st through. November 1st. Yeah. can you tell me what the bottom line rate is on that? Cause they're gonna add all their fees in and all their other stuff. Mm-hmm and then simply divide that by two, cuz you asked for two months and that'll tell you what they're charging per month. [00:16:32] Yep. And that should be, and, and, and the reason I go there is because, well, they spend a lot of money. They have data scientists and analysts and their, the professionals in your market. So I want to know what are they, what's their average daily. over that two month period. And how does that compare to what I'm doing? [00:16:51] Right. So get a two month or a 60 day quote. Yeah. Cause that, yeah. Cause you're gonna get their, you're gonna get their best rate. Yeah. If you ask for a two month quote. Yes. Yeah, exactly. So get that number for the 60 days. Divide that by two, that will get your monthly for them. And then divide that by 30 and gives you at least what their average daily rate. [00:17:15] Right. So it kind of gives you a sniff test of, you know, where it, it is what I'm doing comparable now. Obviously they're one bedroom hotel rooms, in fact, they're studios really? Yeah. With a kitchen net. Yeah. So that's more apples to apples with like a studio apartment. So if you've got a four bedroom house, you should make more than that. [00:17:37] But it at least gives you on a room by room basis. What, what they're doing. Oh, that's good. That's good. On the room by room basis. Mm-hmm mm-hmm yeah, I like that. So, so those are two ways that may help you. Yeah. It's another data point to, to determine that information. So anything else? No, it's just all about knowing what your [00:18:00] base expenses are. [00:18:01] Yeah. That's that's number one. Because you have to know what breaking even looks like for you, for you, and then figuring out what historically has that market done. And then with those two numbers you can kind of back into, okay, what's my average number of days that I need to have booked to at least break even. [00:18:21] Right. So that, again, we're looking at 12 month period, we're looking at averages, but that's about as close as you're gonna. To coming up with what, what is break? What does break even look like for me? Right? Mm-hmm good job. Nicely done. Excellent. Who are a wealth of information? Well, you are too. I am well, we, we hope that you found some value in the information that we have shared with you today. [00:18:48] If so, be sure to like, and subscribe and we will see you next time onto the next, onto the. Nice. [00:18:58]
In today's episode, Abigail sits down with another amazing Trellis Literary Management co-founder, Allison Hunter. Allison is an expert in commercial fiction and shares exactly what she's looking for in a manuscript wishlist, as well as other invaluable writing and publishing tips like: How to use comparable titles to pitch and market your book (with examples!) What makes a page-turning beach read Why secrets are imperative in engaging fiction How publishing is moving away from the term “women's fiction” And more! Do you want to send a query letter to Allison? Check out her manuscript wishlist Follow Trellis Literary Management's submission guidelines Learn more about Allison Hunter Find Us Twitter: @abigailkperry | @AllisonSHunter Instagram: @abigailkperry | Website: www.abigailkperry.com | https://www.trellisliterary.com/allisonhunter
Gojo and Brandon discuss popular children's TV shows and whether or not The Lion King holds up. The guys welcome in Golic and Smetty's Jessica Smetana (13:45) to look at Brian Kelly's awkward press conference, the Steelers starting Mitch Trubisky, pickle ball, and pay respect to the Linebacker Lounge. Gojo presents our weekly Jr. vs Sr. NFL Power Rankings and gives his predictions for the NFC Championship, the AFC Championship, and his Super Bowl matchup/winner. (1:12:50) Then with This, That and the Third (1:21:00): The guys finish up with field storming rules for Texas, Tiafoe making history, and the KC Chiefs' secret menu item. Click here to subscribe, rate, and review the newest episodes of GoJo with Mike Golic Jr! If you or someone you know has a gambling problem, crisis counseling and referral services can be accessed by calling 1-800-GAMBLER (1-800-426-2537) (IL/IN/MI/NJ/PA/WV/WY), 1-800-NEXT STEP (AZ), 1-800-522-4700 (CO/NH), 888-789-7777/visit http://ccpg.org/chat (CT), 1-800-BETS OFF (IA), 1-877-770-STOP (7867) (LA), 877-8-HOPENY/text HOPENY (467369) (NY), visit OPGR.org (OR), call/text TN REDLINE 1-800-889-9789 (TN), or 1-888-532-3500 (VA). 21+ (18+ WY). Physically present in AZ/CO/CT/IL/IN/IA/LA/MI/NJ/ NY/PA/TN/VA/WV/WY only. New customers only. Min. $5 deposit required. Eligibility restrictions apply. See http://draftkings.com/sportsbook for details. Learn more about your ad choices. Visit megaphone.fm/adchoices
Let's get spicy! On today's fantasy football podcast, BOLD Predictions for the 2022 NFL season from Andy, Mike, and Jason! Who could make the leap to the top TE in fantasy football? Which team is full of players going too early in fantasy football drafts? Plus, interesting players on the waiver wire, and fun player to celebrity comparisons! Manage your redraft, keeper, and dynasty fantasy football teams with the #1 fantasy football podcast. -- Fantasy Football Podcast for September 6th, 2022 Last chance to join the largest fantasy football league! THE MEGALABOWL The 2022 Ultimate Draft Kit and Draft Analyzer are available NOW Connect with the show: Subscribe on YouTube Visit us on the Web Support the Show Follow on Twitter Follow on Instagram Check out today's sponsors: Studio is brought to you by Samsung Galaxy. Visit samsung.com to learn more. Learn more about your ad choices. Visit podcastchoices.com/adchoices
As SEC teams transition into the start of fall classes, Brent and Travis provide updates and insight for every team in the league. Of specific interest, the guys preview Vanderbilt's Week 0 matchup with Hawaii and update quarterback situations at Auburn, LSU and Ole Miss. Featuring: Brent Beaird, Heisman Trophy voter and First Coast News Football Analyst, and 247 Sports Network Senior Analyst Travis Reier of BamaOnLine.com. Bill Oakley serves as Executive Producer.
Welcome to the Whissel Way Podcast. Each week, Kyle Whissel and Bryan Koci answer questions about real estate, agent tips, marketing strategies, and how to dominate your market with video. In this episode, Kyle and Bryan talk about the importance of pulling comps correctly, especially in this changing market. Kyle then shares some tips on pulling comps and setting up a great offense, so he isn't on the defense later with clients, having those hard conversations. Bryan's Widget (Call Action):http://bit.ly/34Cs55I Kyle's Widget (FakeSpot): https://bit.ly/3AjNJOc
Host Jackson Gatlin (@JTGatlin) is joined by weekly co-host Alykhan Bijani (@Rockets_Insider) to discuss Houston Rockets rookie Tari Eason's player archetype, what his best offensive skill is currently, offensive and defensive advanced stats from NBA Summer League, what the term "defensive playmaker" means regarding Eason, and how Tari stacks up compared to the rest of the wings on the Rockets roster. #Rockets #NBA #TariEason Follow Alykhan & Rockets Film Room: https://twitter.com/Rockets_Insider & https://bit.ly/3RPThHX
Today's fantasy football podcast is a fan favorite annual episode! Ice & Fire players for the 2022 season! Andy, Mike, and Jason bring the heat LIVE in LA, revealing players that will be fantasy football breakouts and busts. Plus, comparing players to blockbuster movies, LIVE mailbag, and more! Manage your redraft, keeper, and dynasty fantasy football teams with the #1 fantasy football podcast. -- Recorded Live at The Teragram Ballroom in Los Angeles, California -- Fantasy Football Podcast for August 1st, 2022 The 2022 Ultimate Draft Kit and Draft Analyzer are available NOW Connect with the show: Subscribe on YouTube Visit us on the Web Support the Show Follow on Twitter Follow on Instagram Learn more about your ad choices. Visit podcastchoices.com/adchoices
Memphis loan officer Tina Talarico discusses types of loans for commercial lending, investor loans, interest rates, and types of properties. Today we begin a 3-part series where we'll be discussing types of loans for commercial lending, investor loans, interest rates, and types of properties. It's gonna be very extensive, so if you're interested in commercial lending, buying multiple properties or a single property, then this 3 part series will give you some insight as to what to look for. Find out more about this real estate investing podcast episode at: https://epmrealestate.com/podcast/commercial-lending-investor-loans-interest-rates-types-of-properties Contact Brett Bernard at (901) 692-7401 OR Tina Talarico at (901) 826-7218 [00:00:00] Brett Bernard:Welcome to behind the curtain podcast. My name is Brett Bernard and today in the studio with me is Tina Talarico, and we're gonna be talking about types of loans for commercial lending, investor loans, and we'll do other segments dealing with interest rates, types of properties. It's gonna be very extensive, so if you're interested in commercial lending and buying multiple properties or a single property then hopefully today's segment will give you some insight as to what to look for. So today with me is Tina Talarico she's with Capital City Mortgage. She's a certified commercial loan officer. Hey, Tina, welcome. So tell me a little bit about yourself. I know you've been in this business a long time. We've known each other, I don't know, few years. [00:00:37] Tina Talarico: I have been, in the lending business for over 25 years, a little over 25 years. I started out as a residential loan officer years ago and I transitioned over into commercial. [00:00:49] Brett Bernard: When you say commercial, you're talking a broad commercial type of lending or are you specific to a certain type of. [00:00:55] Tina Talarico: We do a broad type of lending in commercial. However, I specialize in residential cuz that's what I know and that's what I've done for so many years. [00:01:03] Brett Bernard: So if I have an investor wants to buy a strip mall, y'all provide financing for that. But majority of which you do is single family, multi-family, rental real estate. [00:01:13] Tina Talarico: Short term and long term. That's that's correct yes. [00:01:14] Brett Bernard: Gotcha. So when it comes down to the lending, what I'm more interested in is the type of loans. I get calls every day from investors, current investors and new investors that have linked up with us that wanna start buying in Memphis and, they always have the same issue. Last year I had a ton of cash buyers, so I didn't have a need for a lender connection. This year, now the interest rates are up and , you would think that it would be the worst time to buy real estate, I have a lot of investors that are buying, and they're all putting loans out. Some are paying cash and refining, and we'll get into that in a minute. So what kind of loans are available? I come to you as a new investor, I've never bought a rental property in my life. I have a good credit scoring some money in the bank and I want to buy a rental property tomorrow. What would your suggestion for me be? What would you recommend I do? [00:02:03] Tina Talarico: Well, I would recommend you start out with one property and take a hold of it and manage it for a little bit. Get your feet wet first. And then from then on, I mean, you can qualify for as many properties as you wanna purchase regardless of your income. Because we don't require tax returns. Everything we do is based on the performance of the property. [00:02:25] Brett Bernard: And your credit score, obviously [00:02:27] Tina Talarico: Credit credit but we do down to 620. So we do offer loans down to 620. Of course the terms are better when you're over 700, however, we do loans down to 620. In some cases the loan to values a little bit less, uh, maybe 5% less. We offer 80% on single family, one to four units, short term, long term rentals, which would be short term would be like Airbnb. So we do a lot of that and a lot of duplexes, four plexes. When you get to five units that falls into another realm. One to four units. It, it is pretty slam-dunk deal. [00:03:03] Brett Bernard: So basically the criteria is pretty loose, I would say to get financing, but is there a particular type of property that lenders won't touch? Is there a cap on the, or a minimum amount that use required if you're buying just one house versus if you're buying 10? [00:03:20] Tina Talarico: We have some options that will lend down to $50,000. Some cut off at a $100,000 and some of the options out there are at $150,000. [00:03:30] Brett Bernard: We're working one now and I think you said the minimum is $62,500. [00:03:33] Tina Talarico: Yes. $62,500 with 20% down takes you down to a $50,000 loan. So 50,000 is the minimum loan, that we can do. [00:03:42] Brett Bernard: So if I'm buying a package of 10 and they're all $49,000, I'm kind of SOL. [00:03:47] Tina Talarico: Yes, pretty much. [00:03:47] Brett Bernard: Okay. So let's discuss the types of loans that are available. I know they're, you know, I had a text from someone yesterday, asked me what I thought about an ARM loan. I'm from the 2008 era where ARM loans were a disaster for a lot of homeowners, because things collapsed and interest rates shot up and, and all of a sudden they couldn't afford their home and they wouldn't foreclosure. So I'm a, I'm an anti-ARM loan person, but in the commercial side and in investment side, I tend to think that ARM loans may not be a horrible product because typically you buy a property, you mortgage it, and then every couple years you're gonna refinance it to maximize your cash flow. Right? You're always gonna try to bring your costs down to get more cash flow. So, what is an ARM loan? Most people know an ARM loan is, but what's the term of an ARM loan. In other words, if I got an ARM loan today when could I refinance that ARM? [00:04:40] Tina Talarico: It depends on if there's a prepayment penalty that comes with the loan. [00:04:44] Brett Bernard: But isn't there a limit to the prepayment penalty as far as time? [00:04:47] Tina Talarico: There is, they come in, 1, 3, and 5 year terms. So you can buy that prepayment penalty out or negotiate the prepayment penalty. [00:04:55] Brett Bernard: Is it a percentage of the amount? [00:04:58] Tina Talarico: It is. Either you can buy it out. In some cases with extra cash or go with a slightly higher rate. So, we're talking maybe, three 8ths of a point will help buy some of that out. So typically an investor's not gonna refinance it within the first 12 months. So a one year prepayment penalty's not so bad, but, um, if you're planning on doing anything with the property, just make sure you're not stuck in that prepayment penalty because the way that works is that, if you have a three year prepayment penalty, the first year you pay 3% of the principal balance to be able to pay that loan off early. You can pay up to 20% annually, towards the principal and not be hit with that penalty, however, if you pay more than 20% towards the principal in the first year, then you're gonna be hit with that 3%. The second year it goes to 2% and the third year it goes to 1%, and then of course after the three year period is up, then you… [00:05:55] Brett Bernard:So ARM loans don't have to be dangerous if you're smart about 'em? [00:05:58] Tina Talarico: That's right. And, I've always been, against, anti-ARM you know, would talk people through it and say, are you sure? Because it's a risky loan. However, it's not risky for investors. It's risky for homeowners because they don't manage their money as well. [00:06:14] Brett Bernard: The asset's not producing any income. [00:06:15] Tina Talarico: Right. And they may not be in a position to refinance the loan when it becomes in the adjustable period and ARM loans are 3, 5, 7, and 10 year ARMs so that means they're fixed during that period and then after that period they become adjustable. Some of them adjust once every six months, some of them adjust once a year. [00:06:39] Brett Bernard: So if I do a three year ARM. I have an adjustable period, a guaranteed period of six months after that it can be adjusted up? [00:06:46] Tina Talarico: You have a guaranteed period of a minimum of 3 years or a minimum of 5 years or 7 years or 10 years. [00:06:53] Brett Bernard: So ARM loans aren't bad. [00:06:54] Tina Talarico: So it's a it's fixed during that entire period. [00:06:57] Brett Bernard: So if I refinance at 3 years when my ARM starts to adjust, I've got a prepayment penalty, but you weigh that against your additional cash flow you can create by that's lowering interest rate? [00:07:07] Tina Talarico: Thant's true and, and there's another plus to that as well. The fully amortized loans are always good because you know, 30 year amortized loan, it's gonna let you see that cash flow pretty good. However, after that adjustable period, whatever term is left on the loan, for instance, you have a 5 year ARM, when the 5 years is up, it becomes adjustable and, if the market is doing better than what your rate is, it may not adjust at all.. [00:07:33] Brett Bernard: Yeah. ARM loans got a bad name because when the economy started collapsing, the housing market collapsing, interest rates started shooting up, and now all of a sudden a homeowner who had a note of $1,800 a month, it was now 2600 2700 and they couldn't pay it. And that's what Glen and I did for a long time over at the law firm. We assisted homeowners in fighting the banks to try to get those, and, listen, I know a couple mortgage brokers who hopefully are in jail, who made a lot of money selling ARM loans, but they sold them under a false pretense. The angle was, oh yeah, do an ARM loan because they made more money on it, but oh yeah, 3 years from now I'll just refinance you into a permanent loan, so take advantage of this ARM loan. Knowing that it was very slim chance they were gonna be able to find 'em a better product when everything started adjusting upward. [00:08:19] Tina Talarico: That's true, and you never know if their income is gonna be the same and this is a homeowner that I'm referring to. Their income may have changed. They may not be able to debt ratio. The market might have turned their house value might not be there. Their multiple reasons why a homeowner. I'm really against a homeowner doing an ARM loan unless they're very financially savvy and they have plenty of cash reserves. However, I'm seeing a lot of investors right now going with the ARM loans because typically, historically, an investor is gonna keep a loan maybe 5 or 10 years, and they'll flip it and sell it and get their investment out of it, once that equity grows and turn around, and I'm seeing 'em upgrade little bit more expensive properties. So they'll sell those, beginner homes that they start with, they'll draw the cash out of those, sell 'em and take that money and invest it in more homes of another level. I now am a, a fan when it comes to investors on ARM loans. A typical investor does not keep a loan for 30 years. [00:09:20] Brett Bernard: Sure. No. Well, let me ask you this. We talked about the negatives of ARM loans. What are the. What would you classify as advantages of doing an ARM loan? [00:09:29] Tina Talarico: The advantages of doing an ARM loan? We offer interest only. So if you're looking to really turn some cash and see that cash flow coming in pretty good. If you do an interest only, you're not paying towards the principal, do interest only loan and do an ARM, this is really a win-win situation. [00:09:46] Brett Bernard: And you can pay principal toward it if you want? [00:09:48] Tina Talarico: Yes, you can. Up to 20% annually. [00:09:52] Brett Bernard: But you're required only to pay the interest on the loan itself. [00:09:53] Tina Talarico: That's correct. So, so you have a lower payment, and not only that, you just see more cash flow and so that I'm seeing a lot of that right now, they're taking that money, there, that they're saving on those properties, paying interest only, and they're taking that cash flow and they're fixing other properties or taking that and putting it back and purchasing more. [00:10:12] Brett Bernard: Right. Okay. You've enlightened me on ARM loans. Like I said, I just got a text from one of my investors yesterday. Somebody you're actually working with was asking me about an arm loan. I'm like, well, you know, I'm not a big fan, but you know, if you look at it from a cash flow perspective, which leads me into my next, discussion. I get investors a lot, that call me and for the last several years, they're always focused on market value. Now, market value matters if you're getting a mortgage because you gotta get it appraised, but at the end of the day, all that should matter to any investors, if the house is worth $110k and you pay $115 for it, but it's producing $1,500 a month in income, who cares about the market value? Because that asset is going to continue to grow. Comps are gonna grow, values and rent comps are also gonna grow. So in that situation, I would tell that investor, if, if they can get a, a loan based on a hundred, $110,000 value, I would tell 'em to pay the extra $5,000 out of pocket because the ROI is so much better off than what you normally can get in Memphis. The Memphis market's not slowing down, it's slowed down some the occupant has, but the investment side is still booming. [00:11:15] Tina Talarico: It definitely is booming. I had a an investor who sold his properties and other cities. He had a 1031 and he said, Hey, I have six months to spend this money and I need to kind of roll with it. I need to buy five properties quick and in a hurry. And I asked him what brought him to Memphis? He's from Florida. I asked him what brought him to the Memphis area, had a guy in New York, did the same thing. I asked him, you know, why Memphis? And they said that they bought a couple of properties in Memphis or had friends that bought properties in Memphis and they found that the real estate is, is very inexpensive here. Property taxes are reasonable and they see a bigger cash flow. [00:11:58] Brett Bernard: You know why Memphis, Memphis is a hot market for a lot of reasons. I tell investors. The main reason for me is because 49% of the people inside city limits rent. [00:12:10] Tina Talarico: That is so true. [00:12:11] Brett Bernard: It's a fact. So when you have a huge renter pool, guess what? Your house doesn't stay empty long. Well, the faster you can rent a house at top cash flow, cuz cuz renters are competing for properties you're getting top rent. Well, when you get top rents, guess what happens? That then begins to slowly push up the values. So there's always a positive side to the Memphis market. In 2008, the investment market in Memphis saw a 18% drop when the rest of the country was 30, 40, 50, 60% and I attribute that to the fact we have a large rent pool. So the investment property stayed pretty firm. I mean they, they lost value. But in let's see, that was 2008 by 2010, we were already back where we originally started. By 2012 we exceeded it by the 18 or 20% we lost. So whoever bought during that time would see a 40 or 50% increase in value ,rents and everything else. I don't know why so many people rent. I just know that Memphis is a distribution city. You got FedEx, Nike, Amazon. I mean, the list is long. Worldwide company. Every worldwide company's probably got a distribution facility here. So a lot of those folks work in distribution, they drive forklift trucks, load boxes, working lower management, work on the line somewhere, or, you know, they're in the service industry. They live paycheck to paycheck. So yeah, there may be a month where the car breaks down and your rent comes on the 15th instead of the first or the fifth. But the asset itself overall is outperforming pretty much any other market in the country. [00:13:33] Tina Talarico: And the reason that a lot of those industry workers or other job fields, the reason that they rent is that they are not able to save money for down payment. Sellers are not out there paying closing costs anymore. So they need more out of pocket to purchase now. And, uh, a lot of them have good credit, but they can't debt ratio cuz they buy the big fancy car and there's a couple of reasons why that they actually can't buy. Then some of them don't wanna buy because they don't want the responsibility of the maintenance and they don't wanna be tied down. Another thing that I've seen too about investment properties in the Memphis area is they don't sit vacant for very long at all. [00:14:15] Brett Bernard: There was actually a news article, I forgot what paper it was in, about a rental housing shortage in Memphis. I know the management company here was getting people throwing applications on homes before they even see 'em because it's so competitive. They were just throwing application, after application, after them they were spending 3, 4, 5, $600 on application fees, just trying to get a house because it was so competitive. Now it's slowed down a little bit, and I believe that's because tenants are kind of the wait and watch like to them. They watch the news every evening and to them, the world's coming to an end, it's falling apart. So they're not picking up stakes and moving anywhere, which is good for investors cuz you're getting tenants that are staying longer, but all these tenants stay at their job. You know, when the economy crashes, guess what? FedEx, Nike, Amazon. They all still have to keep shipping. They all still have to keep working, which means their employees still have to go to work every day and they have a job. That is way different than some of these other markets where you have so many self-employed people and their livelihoods are so volatile, dependent on the, the market and what's going on in the economy. FedEx is never gonna stop shipping. Nike's never gonna stop selling shoes. Amazon's never gonna stop shipping products. And that those two big facilities out there in Raleigh, you know, people go to work, they went to work during COVID. They went to now the interest rates are high. They go to work cuz the gas prices are high. Inflation's up. Economy's not doing well, but they're still having to go to work every day. So the good news is, is you get tenants that can pay their rent. We do have a number of section eight type tenants in certain areas. Low income, but the majority I would say are the tenants that are in my investor's homes work at FedEx work at Nike work at Amazon work at St. Jude, or in the service industry somewhere. If you're listening in a good place to look at is Memphis. My name is Brett Bernard I'm with EPM Real Estate, I am an investment agent. I deal with investors around the world, across the country, helping them buy and sell portfolios here in the Memphis market. I can be reached directly at (901) 692-7401. And then with me today is my guest is Tina Talarico with Capital City Mortgage. She is a certified loan officer and her specialty is in residential, but she also does commercial. So Tina give you your information out so if someone has a question they can call you . [00:16:24] Tina Talarico: My telephone number is (901) 826-7218 and you could reach me at that number anytime. [00:16:31] Brett Bernard: All right. So, I would encourage you to reach out to Tina. I've sent a number of investors to her recently, on package deals and onesie twosies, and she's done a phenomenal job of finding the right product for them. And I will say something about Tina versus most loan officers if she doesn't think it's a good deal for you, she's gonna tell you, so she'll, she'll be honest with you and say, look true story. I have one investor I sent to you. You told him flat out you might be better off going to a local bank. He did. He went to his credit union and got a better deal and got his loan done. We're about to close that one. So Tina will be direct and honest with you and I appreciate that about her. So, all right, well, we're gonna wrap this segment up. So if you're interested in talking about it, (901) 692-7401, gimme a call or find us online at epmrealestate.com. If you go to that website and go to second picture, which is the best looking guy in the group. That's me. My my cell number's on there is a little bio about me. Tina, why don't you give out your website as. [00:17:28] Tina Talarico: It's www.capitalcitymtg.com. [00:17:29] Brett Bernard: And if we can get you lined up and decide you're buying, I'll send you to Tina and she can get your loans set up for you and give you your options. Appreciate you listening today. You'll have a great day
Recorded on the 27th of April 2022 (sorry for being shit and slow getting the backlog of episodes out. It's not all horrendously out of date). In this episode, we have two of the UK's, if not the world's, top parkourists, shooting the shit and talking about plans and goals. Ed Scott YouTube - https://www.youtube.com/user/EdScottProductions Instagram - @edscott1 Travis Verkaik Youtube - https://www.youtube.com/channel/UCts9Ba0wiIYUUz-Shfh3RGA Instagram - @verky02
This week we share our initial reaction to many companies that reported earnings. We review Apple, Meta, Google, Amazon, Etsy, ServiceNow, and Upwork. ______ Disclaimer: Avory & Co. is a Registered Investment Adviser. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Avory & Co. and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Avory & Co. unless a client service agreement is in place. Listeners and viewers are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. “Likes” are not intended to be endorsements of our firm, our advisors or our services. Please be aware that while we monitor comments and “likes” left on this page, we do not endorse or necessarily share the same opinions expressed by site users. While we appreciate your comments and feedback, please be aware that any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please honor our request to limit your posts to industry-related educational information and comments. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation. Please reach out to Houston Hess our head of Compliance and Operations for any further details. Find more here https://www.avory.xyz/disclaimer-page #InsideScoop #Podcast #Earnings --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
On Wednesday Bally Sports Atlanta Braves Broadcaster Chip Caray joined Andy Bunker and Randy McMichael from the Braves' team bus on the way to the third and final game of the series against the Philadelphia Phillies. The conversation started off by recapping the Braves 6-3 win over the Phillies last night led by a strong start from Spencer Strider. “Well let me start with body size – Billy Wagner, I mean he (Spencer Strider) is built just like Billy,” Caray responded when asked who Spencer Strider reminded him of. “But as far as strikeout stuff and power, fastballs and sliders I mean it's Kerry Wood. He (Strider) reminds me an awful lot of Kerry,” Caray added. After the win last night Strider is 5-3 with a 2.91 ERA, 120 K's and a 1.02 WHIP. You can listen to Andy & Randy Monday-Friday from 10a-2p
The newest Fantasy Coaches Episode, the coaches talk about Player Comps for this year based off some players in 2021. They also pick their toughest player to rate and Coach Jibbs gives his draft strategy Of course follow your Coaches on Twitter too! Coach Steve (@coachstevenp), Coach Jibbs (@hotTakeHuncho) & Coach John (@FTLS__JBatts) News (4:00) Side Talk: Toughest Fantasy Player(14:11)One player you are staying away from because you have no idea what to do with them Main Talk: This Years Fantasy Comps (17:00)Cooper Kupp ( Mid Range WR Dominates) James Connor ( RB left for dead who comes back to life) Javonte Williams (Productive Rookie Rb we'll be gushing over going into next year) DK & Locket (two teammates to finish top 15) Kenny G ( Veteran WR who completes shits the bed) Adam Trautman ( young TE who had offseason hype by failed ti live up to it) Draft strategies w/ Coach Jibbs(54:23) --- Support this podcast: https://anchor.fm/the-fantasy-coaches-pod/support
On this episode Guy is joined by Stephen to discuss Liverpool's latest preseason friendly as the Reds explode in the 2nd half to beat RB Leipzig 5-0!Prefer to listen to our shows without the ads? We've got your back, just head on over to http://anfieldindexpro.com and supercharge your listening experience.Chat and debate 24/7 with other Reds, join our FREE Discord community at https://bit.ly/3geu605Follow us on Twitter: https://bit.ly/3u9gYShFind us on Facebook: https://bit.ly/3KWFxbdSubscribe on YouTube: https://bit.ly/3KXImsjFREE iOS app: https://apple.co/3KSqdMGFREE Android app: https://bit.ly/32KMxqmSupport this show http://supporter.acast.com/theanfieldindex. See acast.com/privacy for privacy and opt-out information.
MAIL TIME. Dan plows through a thought-provoking batch of questions that covers the Houston Rockets; outrageous NBA comparisons for Paolo Banchero, Chet Holmgren, Jabari Smith Jr., Keegan Murray and Jaden Ivey; the Portland Trail Blazers' defense; the top 10 defenders of all time; dark horse picks to win 2022-23 awards; three-team trade scenarios between the Brooklyn Nets, Indiana Pacers and Los Angeles Lakers; and so much more! TIMESTAMPS⬇️ 0:30 - INTRO 1:56 - Miles Bridges 3:06 - JaMychal Green to Dubs 4:35 - How good will the Portland Trail Blazers be on defense? 9:23 - Will the Indiana Pacers be a third-team facilitator in any Russell Westbrook and Kyrie Irving trade? 20:14 - Who aged in the NBA less gracefully: Allen Iverson or Russell Westbrook? 24:32 - Do we (read: Dan) owe the Sacramento Kings an apology? 26:16 - OUTRAGEOUS ceiling and floor comparisons for Paolo Banchero, Chet Holmgren, Jabari Smith Jr., Keegan Murray, Jaden Ivey 35:34 - Do the Houston Rockets need to move on for Stephen Silas? 42:21 - 2021-22 G-League players who can make an impact on an NBA team 45:49 - Top 10 Defenders of All-Time 48:31 - Dark Horse picks for all major 2022-23 awards 48:51 - Coach of the Year 50:21 - Rookie of the Year 51:31 - Sixth Man of the Year 53:25 - Most Improved Player 55:16 - Defensive Player of the Year 56:27 - MVP 59:03 - Dan changes careers/The Knicks! JOIN OUR DISCORD: t.co/nhOSSpduPT SUBSCRIBE TO OUR YOUTUBE CHANNEL: bit.ly/31z7eyI FOLLOW US ON SOCIAL⬇️ TWITTER/IG: @danfavale / @danfavale TWITTER: @gt_hughes TWITTER: @fromal09 TWITTER/IG: @HardwoodKnocks / @hardwood_knocks TIKTOK: @hardwoodknocks TWITTER: @SportsMathNet Learn more about your ad choices. Visit podcastchoices.com/adchoices
George and Alvaro catch up on their summer travels and deep dive Alaska's birds and mammals. We get hungry at the end, and you may, too. Send your topic ideas to firstname.lastname@example.orgPS. Watch out for shell people! *send your letters to George*
7/10/22- Rob, Gareth, and Jeremy talk about: 0:20- Barron Trump NBA Draft Comps 8:15- ‘Hustle' movie 15:20- Holocaust Museum / sight seeing in Washington D.C 22:15- the mind expanding East Coast 24:20- Gonjiam: Haunted Asylum 28:45- Body Count 32:20- catching up w/ Rob & Gareth 39:32- Omaha, NE 44:09- Lighting Round (Vince McMahon, NBA Finals, NBA Free Agency, Kevin Durant) 56:10- Seattle & the 2022 NBA Draft 58:00- MarJon Beauchamp The Jeremy Mills Podcast Episode #365 Everything You Need: https://linktr.ee/jeremyjoemills Website: www.jeremymillspodcast.com; Twitter & Instagram @jeremyjoemills; Email: email@example.com. Theme Song: OG&J + Rob Theme - Jeremy Mills
Toy department early comparing the styles of two seemingly very competent GMs with very different approaches in Guerin and Connelly... Plus we go into the A-Section following a violent and chaotic past couple of weekends in MPLS, with no end or solution in sight.
Today we dive into comps, and how to win the game right from the draft! As always, please feel free to write to us any feedback, show ideas , thoughts or questions at: firstname.lastname@example.org Twitter account: RygarTheGreat Host: FamiliarFiasco, HueyVon, and Starbuck Want to support the show to hear more positive, improvement based content? https://www.buymeacoffee.com/AttackBaron Looking to hop into a game with someone? Join the discord! Join the guild! Name: Attack Baron Tag# Baron Royalty Free music brought to you by Riot Games off the album Sessions:Diana Intro: "Sentinel" by A.L.I.S.O.N Outro: "Ascent" by Purrple Cat --- Send in a voice message: https://anchor.fm/attackbaron/message
Hoffman prosess – til nå det mest utfordrende og givende jeg har gjort for meg selv. Det er altfor tidlig å dele hva jeg har fått av resultater, og det er unyttig å dele hva vi faktisk gjør. Jeg har lovet denne, og for min egen prosess også var det viktig å dele. Det er nå eller aldri. Denne episoden er et rot og mye kaos fra start til slutt, men forhåpentligvis er den en som blir inspirert til å dra å gjøre jobben for seg selv, og kanskje er du som vekkes til å bli litt mer modig i dag enn i går. Derfor deler jeg denne sårbare, nye reisen som har åpnet hjerte mitt til det ukjennelige for meg. Jeg fikk så absolutt det jeg ønsket – jeg lever mer, jeg føler mer, jeg elsker mer, jeg er mer – men det har også en kostnad – jeg lider mer. Der er verdt det. Det er bare veldig mye akkurat nå, og slik er det med vekst. Det kommer med en kostnad, slik at godt gjør. Jeg stiller meg spørsmålet – trenger vi å lide... med skal du ha lys er det helt nødvendig med mørke. Hører gjerne hva du tar med deg fra denne. Send meg en DM på Instagram: https://www.instagram.com/grysinding/ eller en email til meg HER: http://email@example.comPS. Vi gjør Instagram Challenge neste uke. Du er velkommen til å være medhttps://www.grysinding.no/utfordring--- NEDLASTNINGER ----Last ned din 90 dagers plan: https://www.grysinding.no/90dager-Chat med meg her: https://m.me/gry.sinding-Følg meg på Instastories her: https://www.instagram.com/stories/grysinding/-Join the FREE 5-day challenge: https://www.grysinding.no/utfordring See acast.com/privacy for privacy and opt-out information.
We're Back! Well for one very special episode. We ended IDP Guys last year before the season, always with the goal that we would come back for our Food comp episodes because they were always so fun to do. For this episode we brought in Gary Van Dyke, JJ Wenner & Roto Heat Kraig and shared this episode with them and got some great takes! --- Send in a voice message: https://anchor.fm/idpguys/message Support this podcast: https://anchor.fm/idpguys/support
Ben has returned and with him, he has brought an excellent podcast episode! After touching on some key coaching news, Ben and Garrett break down a handful of high-impact transfers from around the NCAA and attempt to offer their NBA player comparisons. If you're a basketball fan, you'll definitely want to listen to this episode. Robert Johnson Parts Ways With Oregon Ducks (3:36) Powell's Coaching Contracts Get Extended (8:57) Ryan Vanhoy Leaves Ole Miss For Cal Poly (10:30) Klaudia Kazimierska to Oregon (14:47) Arjun Jha to Michigan (18:06) Katie Thronson On Transfer Portal (20:19) Brendan Hebert On Transfer Portal (22:52) Sydney Seymour to NC State (26:00) Ben Fleming to North Carolina (29:25) Ben Nibbelink to Wisconsin (32:14) Titus Winders to Iowa State (35:39) Travis Koekemoer to NC State (39:57) David Vorbach to NC State (45:33) Jakob Kintzele to Portland (48:03) Fatima Alanis to Penn (51:52)
Jason & John Show, Tuesday, June 28, 2022, Hour 1 (w/"Cap or No Cap" on Kyrie, Miss State/Leach then Jessica Benson in Seg 2 on Grizz/Later---NFL comps for Tenn/Miss/Ark)
Comps and values take center stage as we compare cards to stocks and real estate. A fun look at saving/spending habits and the impact of the current economy on the hobby. We have some fun with this one! Enjoy and thanks for listening
In today's Bonus Episode, Bianca chats with Lidija Hilje, an Author Accelerator certified book coach about differentiating between genres; how to use her genre guide; the differences between literary, upmarket, book club, and women's fiction; how literary fiction moves a story deeper, not forward; what “postcard” scenes are and how to use them; as well as Lidija's editing and book coaching services and upcoming summer group coaching intensive.After which, Bianca chats with Kailey. Creator and Community Manager of Write or Die Tribe, about how critique is just like sex; services that Write or Die offers like mentorships, upcoming classes, Small Press Corner, upcoming contests, and literary magazines open for submissions; not underestimating the power of getting acceptances in literary magazines and small presses to boosts your bio; interviews and articles that are resources for writers; as well as remote job opportunities.Finally, Bookstagrammer, Katy Stanekvitz, of @KatyisReading, joins us to give you comp titles!Find us on our socials: Twitter: @TSNOTYAW @BiancaM_author @carlywatters @ceciliaclyra Instagram: @biancamarais_author @carlywatters @cece_lyra_agent @ the_shit_about_writing Facebook: @tsnotyaw Website: www.biancamarais.com and www.theshitaboutwriting.comLidija can be found at lidijahilje.comKailey can be found at @writeordietribe and Twitter, and at www.writeordietribe.comKaty can be found at @katyisreading on Instagram and Twitter
Topics we discuss * NBA Finals * How did we enjoy this season as a whole * Is Jayson Tatum him? * Top Prospects best draft fits * Reacting to NBAdraft.net player comparisons Follow Reggie on Twitter: https://twitter.com/regdolla_ IG - @regdolla Follow Kinbill on Twitter: https://twitter.com/iReignSupremee IG - @buenoomorenoo Follow Jay on Twitter: https://twitter.com/J4yAnt IG - @jay.lanthony If you enjoy this episode and you want to support - Subscribe,Rate us 5 stars and share with a friend --- Support this podcast: https://anchor.fm/reggie-tawiah/support
Jill Friday - Reverse Bucket List (LA 1787) Transcript: Steven Jack Butala: Steve and Jill here. Jill K DeWit: Happy Friday. Steven Jack Butala: Welcome to the Land Academy Show, entertaining land investment talk. I'm Steven Jack Butala. Jill K DeWit: And I'm Jill DeWit, broadcasting from the valley of the sun. Steven Jack Butala: Today's Jill Friday and she's going to talk about her concept of a reverse bucket list. Jill K DeWit: Yep. Steven Jack Butala: Before we get into it though. Oh... Jill K DeWit: It's okay. No, go. Steven Jack Butala: Tell us what a reverse bucket list is. Jill K DeWit: No, we'll just save it. I'll dive right in. Steven Jack Butala: Before we get into it, let's take a question posted by one of our members on the LandInvestors.com online community. It's free. And I got to tell you, back in the day, it was impossible to find real estate on the internet without a mailing address. Jill K DeWit: It still is impossible. Steven Jack Butala: It's very difficult now. Jill K DeWit: But we solved it. Steven Jack Butala: We developed a tool called NeighborScoop.com, where all you do is you put in... It's custom for how we need to find real estate and the facts that we need to know in less than 15 seconds to decide whether or not we're going to maybe take a crack at buying it. It's called NeighborScoop.com, and all you got to do is type in state, county, and the assessor's parcel number and it pops right up. Jill K DeWit: Yep. Love it. Steven Jack Butala: I was materially personally involved in developing that site and I'm pretty proud of it. Jill K DeWit: I love it. Luke wrote, "Hey, all. I have a few properties that a seller has told me they're willing to sell. Trouble is I'm having a hard time deciding what I think they will retail for. I find the comps to be sporadic." Steven Jack Butala: Yep. Jill K DeWit: "$170,000 for a half acre on this side of the road, $50,000 for 15 acres one mile west. You get the picture. Comps are not painting a clear view. What do you suggest I do in this case? I feel bad calling a realtor when I don't even have a signed contract. Even if I did have a signed deal, it would not likely be a solid price. It would need to be renegotiated. How can I get a better sense of what it's worth? And do I try and kill the deal?" Steven Jack Butala: No. No, you don't try to kill it. Jill K DeWit: Wait. Hold on one moment. Let me explain the try to kill the deal thing. Trying to kill the deal is trying to get the deal, but at a price that's so great you will buy it and feel great about it because you can't lose, so I understand with that. Steven Jack Butala: Jill came up with concept. Jill personally came up with this concept quite some time ago. She calls it, trying to kill your own deal. Jill K DeWit: Yep. Steven Jack Butala: What she means is you're trying to get it for such a stupidly low price. First of all, you don't like the piece of property that much. Jill K DeWit: Right. Right. Steven Jack Butala: And so you sent an offer for 30,000. They said, "I'll take 35." You look up the deal. It's like, you know what? This is probably worth 5,000 bucks. Jill K DeWit: Right. Steven Jack Butala: I'm going to try to kill my own deal. Jill K DeWit: You're going to come in with a number. Steven Jack Butala: I'm going to go back in. Jill K DeWit: That's just so crazy low that... All right, everything about it's fine. It's just the price. That's the one thing that's doing it. And then maybe this, but you know what? If I can get it for five or eight, then I know it'll solve all those issues and I cannot lose. That's trying to kill your own deal. You come back and go, "Look, I don't mean to insult you. I know I said 30. You said 35." I looked it up and I'm like, "I hate to tell you this, but because of this, this and this, it's not even worth that. It's not even worth my original 30. Hey, the best I can do is eight. If that works for you, great.
Maximize your credit card cashback earnings and sign-up bonuses with Cash Freely a new free tool from the makers of Travel Freely. Find the best offers to travel to Vegas and anywhere else free of charge. Cash Freely (cash back cards) Travel Freely (travel rewards cards) Episode Description: As a reminder you can watch this show as well at: http://www.YouTube.com/milestomemories The iconic Plaza Hotel & Casino in Downtown Las Vegas has announced a number of new changes as they expand and add a smoke free casino space in Downtown Las Vegas. Find out what is coming to Fremont Street including a new carousel bar, outdoor dining space at Oscar's and more. In other news we got an update on one of the arena projects in Vegas including the potential start of construction. Plus we discuss crazy expensive gold steaks, the new Binion's steakhouse at Bally's, how casino stocks are getting battered right now, an MGM comp update and why both Floyd Mayweather & LeBron James want to own a Vegas NBA team. YouTube.com/milestomemories for all of the visuals! About the Show Each week thousands of people tune into our MtM Vegas news show at http://www.YouTube.com/milestomemories and now we bring you the MtM Vegas podcast where we can spend a little more time sharing our best Vegas info, tips, reviews and stories plus talk to some of the most interesting people in Vegas. Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at firstname.lastname@example.org. You can subscribe on Apple Podcasts, Google Podcasts, Spotify or by searching "MtM Vegas" or "Miles to Memories" in your favorite podcast app. Don't forget to check out our travel/miles/points podcast as well!
Windy speaks to Alex Stoyel, our favourite sports psychologist. They cover questions from our beloved xSubs.----------You've been listening to The Extra Inch, a Spurs podcast.Production by Nathan A Clark (Twitter @NathanAClark).Intro music by David Lindmer (https://soundcloud.com/dlindmer).Artwork by Adam Gardner.Go get your merch at https://www.theextrainch.co.uk/Email us at email@example.comBecome an xSub: https://www.patreon.com/theextrainchTwitter: https://twitter.com/TheExtraInchFacebook: https://www.facebook.com/TheExtraInch/Twitch: https://www.twitch.tv/theextrainch#Spurs #COYS #THFCThe Extra Inch is a Tottenham podcast brought to you by Windy, Bardi and Nathan A Clark. See acast.com/privacy for privacy and opt-out information.
In today's Bonus Episode, Bianca chats with Hannah Orenstein, author of Meant to Be Mine, about drawing on personal connections for characters; getting an opening chapter to work by breaking the rules about interaction and dialogue; and shutting up your inner critic and allowing yourself to write your stories!After which, Bianca chats with Philippa East, author of Safe and Sound, about structuring your first chapter intentionally; the importance of contrast and juxtaposition; whether you come at your character from the inside or outside; and putting yourself inside your character's mind.Finally, we're joined by Bookstagrammer Katy Stankevitz, of @katyisreading, who gives you comp titles!Find us on our socials: Twitter: @TSNOTYAW @BiancaM_author @carlywatters @ceciliaclyra Instagram: @biancamarais_author @carlywatters @cece_lyra_agent @ the_shit_about_writing Facebook: @tsnotyaw Website: www.biancamarais.com and www.theshitaboutwriting.com Hannah can be found at @HannahOrens on Twitter and Instagram, and at www.hannahorenstein.com Philippa can be found at @philippa_east-author on Instagram and at @philippa_east on TwitterKaty can be found at @katyisreading on Instagram and Twitter
On Episode 137, we talk about the rising popularity and success of the Gav's crab. Pictured here in the corner of the first ever Permit to eat one (caught by host Chris) and now seen in a stack more permit since. In a seemingly short period of time, this crab fly has really got some runs on the board, so we chat about its origins and a few directions that many wouldn't know about. Also, we show our age and chat about the golden era of Saltwater Fly Fishing Tournaments in Australia, and the impact they have had on both product development and the old school community that used to actually meet face to face. Sadly, we don't see anything like these tournaments anymore, with only the Hinchinbrook Challenge and the Darwin Fly Rodders flying the flag for what's left. This is a pretty meaty chat, one we hope provokes discussion. Should we bring the Tuna comps back? Is the Gav's Crab the Permit slayer we have been looking for? Will we see it go by the wayside in Australian Flyfishing media like many other Australian developed flies? let us know in the comments. This show is brought to you by Nervous Water, Kettafly Apparel and Beast Brushes.
In today's Bonus Episode, Bianca chats with Carley Fortune, author of Every Summer After, about setting a book in Canada; her journey to publication; the importance of reaching out to fellow authors for beta reads and critiques; structuring a dual timeline; upping the stakes and tension when you allude to a secret so readers don't get bored waiting for the big reveal; and making writing a part of your daily routine.After which Bianca chats with Roz Nay, author of The Hunted, about Roz's new writing school for kids and adults; finding writers who's work you really admire and who you feel that their work will elevate your own; how to establish voices-ness; how to know when you've got the story and characters right; and where to glean ideas for the next book.Finally, Emilie from East City Bookshop joins us to give you comp titles!Find us on our socials:Twitter: @TSNOTYAW @BiancaM_author @carlywatters @ceciliaclyraInstagram: @biancamarais_author @carlywatters @cece_lyra_agent @ the_shit_about_writingFacebook: @tsnotyawWebsite: www.biancamarais.com and www.theshitaboutwriting.comCarley can be found at: www.carley fortune.com and at @carleyfortune on Instagram and Twitter.Roz can be found at @roznay1 on Twitter and at @RozNay on Instagram. Her website is www.roznay.com Emilie can be found on Instagram at @emiliegsommer and East City Bookshop can be found at @eastcitybookshop
A few weeks ago I put a call out on my IG stories asking for anyone that may have competed in a Physique, Bodybuilding or Bikini competition and would be willing to talk about their time before, during and after competition.Many people see fitness influencers and physique competitors on social media and look to them as the epitome of health, fitness and happiness when in reality this is VERY far from the truth.There is a dark secret about this world that is rarely spoken about and I am VERY appreciative for the time that Natalie gave to me to come and talk all about her time as a physique competitor and to detail the toll it took on her body and mind.I hope you enjoy this podcast and while I'll never tell you what to do or what not to do, I hope this discussion with Natalie may help give you more information of what you will need to sacrifice in order to get on stage.Thank you again to Natalie and thank you for listening.I hope you enjoy the podcast and as always, please hit that SUBSCRIBE BUTTON to make sure you never miss any future episode and please consider leaving a 5 STAR RATING and POSITIVE REVIEW as it would meant the world to me.Join the tribe and become a NO BREAKFAST CLUB member today and receive a brand new workout each week, access to 3 LIVE Zoom sessions each week and access to the my VIMEO on demand workouts that you can do in your own time.Anyone can join and all you need to do is CLICK HERE to find out more and sign up today to join the team!Contact The No Breakfast Guy:Instagram: @the_no_breakfast_guyWebsite: www.thenobreakfastguy.comEmail: firstname.lastname@example.orgYouTube: www.youtube.com/thenobreakfastguy
In today's Bonus Episode, Bianca first chats with Jessica Payne, author of Make Me Disappear, about getting "the call"; how long the editorial process can take before going on sub; how publishing is like dating; how to tell when you're close to getting offers of representation; writing under contract while launching a debut; and establishing relationships with Bookstagrammers and a potential launch team before you've sold the book.Bianca then talks with Amy Jones, award-winning author of Every Little Piece of Me about writing as rewriting; saving your deleted work; how drafting a novel is like building a house; place-holding chapters and scenes; and drafting mode versus revising mode.After which Carly and CeCe answer your burning questions.Finally, Emilie Sommer from East City Bookshop gives you comps titles!Find us on our socials:Twitter: @TSNOTYAW @BiancaM_author @carlywatters @ceciliaclyraInstagram: @biancamarais_author @carlywatters @cece_lyra_agent @ the_shit_about_writingFacebook: @tsnotyawWebsite: www.biancamarais.com and www.theshitaboutwriting.comJessica can be found on Twitter at @authorjessicapayne and on Instagram at @jessicapayne.writer and at www.jessicapayne.netAmy can be found on Twitter at @amylaurajones and Instagram at @amlaujo and at www.amyjonesauthor.comEmilie can be found on Instagram at @emiliegsommer and East City Bookshop can be found at @eastcitybookshop
Jacob, Kamiar, and JD Silva give their best NBA comps for the 2022 NBA draft class and debate on which of those players fit best in Oklahoma City. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Jeff Chadiha (NFL Network/NFL.com/@JeffriChadiha), Eric Eager (PFF.com/@PFF_Eric) and Soren Petro (Sports Radio 810 - WHB/810whb.com/@SorenPetro) break down the Chiefs draft with a player comp for each of the Chiefs 10 draft picks as well as a floor and ceiling comp as well.(2:15) 1st - #21: Trent McDuffie - CB - Washington(10:35) 1st - #30: George Karlaftis - DE - Purdue(17:29) 2nd - #54: Skyy Moore - WR - Western Michigan(23:55) 2nd - #62: Bryan Cook - S - Cincinnati(29:58) 3rd - #103: Leo Chenal - LB - Wisconsin(40:41) 4th - #135: Joshua Williams - CB - Fayetteville State(47:25) 5th - #145: Darian Kinnard - OT - Kentucky(53:50) 7th - #243: Jaylen Watson - CB - Washington St.(58:30) 7th - #251: Isaih Pacheco - RB - Rutgers(1:02:52) 7th - #259: Nazeeh Johnson - S - Marshall
In today's Bonus Episode, CeCe chats with Sarah Cantin, Executive Editor at St. Martin's Publishing Group and the editor of the #BookswithHooksBC pick, The Ballerinas. They discuss what made Sarah fall in love with the submission for The Ballerinas; what “pre-empt” means in an offer/deal; instantly knowing the genre vs pondering the straddling of two genres; the ratio of submissions vs offers; what to do when a book doesn't sell as well as you thought it would; likeable unlikeable protagonists; and Sarah's book recommendations. After which, Bianca chats with Susie Orman Schnall, the award-winning author of We Came Here to Shine, The Subway Girls, The Balance Project and On Grace. They discuss hiring a professional editor to put your best foot forward for querying; rejections from publishers and the importance of talking about them; understanding the hook of your novel; how to manage the anxiety of being a writer; trusting in your agent's capabilities; and allowing yourself to feel shitty, but also remembering to measure your successes and celebrate them as you keep going.Finally, Emilie Sommer joins us from East City Book Shop to answer your comps questions!Find us on our socials:Twitter: @TSNOTYAW @BiancaM_author @carlywatters @ceciliaclyraInstagram: @biancamarais_author @carlywatters @cece_lyra_agent @ the_shit_about_writingFacebook: @tsnotyawWebsite: www.biancamarais.comSarah can be found at @sarahgcantin on TwitterSusie can be found at @susieormanschnall on Instagram and at www.susieschnall.com Emilie can be found at @emiliegsommer on Instagram and East City Book Shop can be found at @eastcitybookshop on Instagram and at @eastcitybooks on Twitter
Bears general manager Ryan Poles spoke Tuesday afternoon for the first time since the NFL Combine. He's DEFINITELY not rebuilding. He's just constructing a really good football team. Sure, dude. Let's hear from Poles on the wideout and tailback depth and how he plans on attacking the NFL Draft. Then, Joe Ostrowski updates the odds on this Bulls-Bucks series and attempts to adjust the White Sox's win totals. And then, when we want to talk to a passionate Bucks fan who's absolutely not insufferable at all, we talk with WSSP Milwaukee morning show host Bart Winkler.
In today's Bonus Episode, Bianca chats with Alisha Sevigny, author of The Oracle of Avaris, about the difference between MG and Upper MG; the importance of reading in the genre you want to write in; guarding against talking down to kids or teaching a lesson; taboo subjects for MG and how to approach writing difficult topics. After which, Bianca chats with TJ Alexander, author of Chef's Kiss, about their publishing journey, trying to find comps when you're breaking new ground; the psychology behind certain tropes; the importance of figuring out which POV will best serve the story; maintaining tension in romcoms; outlining or not outlining a romance novel; and emotional edging.Finally, Laynie Rose Rizer from East City Bookshop answers your burning comps questions!Find us on our socials:Twitter: @TSNOTYAW @BiancaM_author @carlywatters @ceciliaclyraInstagram: @biancamarais_author @carlywatters @cece_lyra_agent @ the_shit_about_writingFacebook: @tsnotyawWebsite: www.biancamarais.comAlisha can be found on Twitter and Instagram at @alishasevigny and at www.alishasevigny.comTJ Alexander can be found on Twitter and Instagram at @tjalexandernyc and at www.tjalexander.comLaynie can be found on Instagram at @thelaynierose and East City Bookshop can be found at @eastcitybookshop
As the 2022 NFL Draft inches closer, Dane Brugler talks with NFL.com analyst Lance Zierlein about his latest mock draft. Lance explains why he believes Travon Walker could go No. 1, how the QBs could fall out of the top 10 and more. Then, they discuss several players who could provide teams a big bargain late in the draft compared to similar first round talent. Learn more about your ad choices. Visit megaphone.fm/adchoices
Joey P., Andrew, and Cody Carpentier (Player Profiler) go in-depth on the most notable skill players in the 2022 draft class. Listen in to find out who each rookie's top NFL comparison is and where we'd love to see every player wind up for fantasy. Sponsors: Siempre Tequila - Ask for Siempre at your local wine & spirits store or find us online at shop.siempretequila.com. Use promo code FANTASYPROS and get 20% off orders of $100 or more. AirMedCare - If a medical emergency arises, AirMedCare Network provides members with world class emergency air transport services to the nearest hospital with NO out of pocket expenses. Visit airmedcarenetwork.com/fantasypros and use offer code FANTASYPROS to get up to a $50 Visa or Amazon gift card with a new membership. Timestamps: Breece Hall - 0:04:44 Kenneth Walker - 0:10:25 Isaiah Spiller - 0:14:28 Brian Robinson Jr. - 0:18:53 James Cook - 0:23:02 Zamir White - 0:26:14 Rachaad White - 0:28:39 Dameon Pierce - 0:31:16 Treylon Burks - 0:35:10 Chris Olave/Garrett Wilson - 0:38:02 Drake London - 0:41:40 Jameson Williams - 0:43:46 George Pickens - 0:46:45 Jahan Dotson - 0:50:07 Malik Willis - 0:52:18 Kenny Pickett - 0:55:06 Matt Corral - 0:58:03 Sam Howell - 1:00:31 Desmond Ridder - 1:02:25 Trey McBride - 1:05:04
On Fri.'s ep. of No Dunks, the guys discuss Chris Paul's return and the Suns locking up the No. 1 seed in the playoffs, Siakam trying to get the Toronto Raptors out of the play-in tournament, Ja Morant's knee, Jose Alvarado's sneaky play, Harden saying Joel Embiid deserves MVP, NBA comps for Chet Holmgren, the "Tremors" franchise, eating breakfast, DC comics, and more.