Podcasts about down payments

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at the rise of affordability programs like down payment assistance (DPA). Plus, Robbie sits down with TRUE's Steve Butler for a discussion on why lenders start automation too late by focusing on late-stage checks instead of intake, even though most costs are created early, and how to move certainty upstream. And we close by looking at this week's shortened economic calendar.Today's podcast is brought to you by Optimal Blue, the only end-to-end capital markets platform built to power performance, precision, and profitability, helping lenders of all sizes operate more efficiently, manage risk more effectively, and maximize results.

Predicting the future and making a roadmap to success | Down Payment The Podcast for Used Car Dealers S5 E14What does the future look like for dealerships? Do you have a roadmap to success? Find out what you can do to create one, and how you can prepare your dealership for changes in the uncertain times! Watch this episode for our thoughts on the subject, and then tell us about your ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:YouTube - @DownPaymentPodcastYouTube - @cardealeru5061X - @DownPaymentPodInstagram - @DownPaymentPodcastDon't forget to like and subscribe! #carsales #usedcar #usedcarsforsale ##autosales #automobile #auto #cardealer #cardealership #preownedcar #secondhandcar #buyherepayhere #managmenttraining #manager #managertraining #denver

291 - From Cubicles to Closings: Mike Doherty's Path to Real Estate Success   Jen Josey hosts the REIGN podcast and shares a "Badassery Bestowment" on why every listing needs a professional photographer, citing five reasons: more clicks and offers, selling a lifestyle, protecting price, standing out in a crowded market, and saving time and stress. She then interviews Mike Doherty, a Connecticut-based full-time real estate investor, realtor, entrepreneur, co-founder of Skytree Investments, and host of the Sky's the Limit Podcast. Mike describes his path from a finance job after graduating from the University of Connecticut in 2015 to real estate investing, including learning through BiggerPockets, house hacking a duplex, and scaling by using the BRRRR method after running out of capital. He discusses misconceptions new investors face, emphasizes taking action, using meetups to build confidence and connections, and explains creative financing strategies such as seller financing and subject-to deals, including an example with 10% down, 4% interest, 40-year amortization, and a 10-year balloon. Mike shares a favorite deal involving raising the full down payment, selling after one year, and completing a 1031 exchange into a seller-financed five-unit property. He explains OPM approaches, partnerships and joint ventures, friends-and-family capital, and the importance of track record and some skin in the game. Mike outlines his move from W2 work to becoming a full-time realtor by lowering living expenses through house hacking, and he shares his BADASS answers: key books (Rich Dad Poor Dad, Who Not How, Never Split the Difference), best advice (take action), his drive (generational wealth and financial freedom), a goal of reaching 200 doors before age 35 (currently at 100), systems (assistant/transaction coordinator, Follow Up Boss CRM, calendar, and morning routine), and his definition of success as enough passive income to support his lifestyle.    00:00 Welcome to REIGN: What to Expect on the Podcast 01:02 Badassery Tip: Why Pro Photos Sell Listings (5 Reasons) 03:24 Meet Mike Doherty: Investor, Realtor & Podcast Host 04:46 From Finance Cubicle to First House Hack Duplex 08:49 Early Landlord Lessons & Misconceptions to Unlearn 11:32 Take the First Step: Beating Analysis Paralysis with Action 14:17 Scaling Up: Running Out of Cash & Learning the BRRRR Method 16:59 Creative Financing Deep Dive: Seller Finance, Sub-to & Balloons 20:57 Favorite Deals & Partnering Up Using Other People's Money 21:33 Raising the Down Payment + 1031 Into Seller Financing (5-Unit Deal) 23:00 What He'd Do Differently: OPM Sooner & BRRRR After the First Duplex 24:18 Flip vs Hold: Wealth-Building Mindset, Leverage, and Today's Market Risk 25:36 OPM Playbook: Partners, Private Money Terms, JVs & Structuring Deals 27:21 Friends & Family Funding + Skin in the Game (Even Teachers Have Money) 29:16 His Business Today: Full-Time Realtor, Investor Niche, Flips/Wholesale to Buy Rentals 31:40 Sky's the Limit Podcast + The "BADASS" Rapid-Fire Segment Begins 32:39 Books & Advice: Rich Dad, Poor Dad, Who Not How, Never Split the Difference + Take Action 35:46 Drive, Goals & Systems: Generational Wealth, 200 Doors, Assistants, CRM, Morning Routine 39:46 Defining Success + Where to Find Mike (Podcast, IG, Website) 41:12 Wrap-Up & Show Outro: Subscribe, Follow, and Join REIGN  

הרשמה לאירוע הקרוב: SimplyDoIt.net/events——לאחרונה רכשתי נכס עם מקדמה (Down Payment) של 4% בלבד. מצד אחד, זה מרגש בטירוף, אבל מהצד השני – יש בזה לא מעט אתגרים.בפרק הזה, אני מסביר מה הם האתגרים האלו, מה המשמעות של 5% הון עצמי, ולמה, למרות הכל, זה מדליק.

In today's Q&A we cover: 1:18 Should I borrow money from family to buy a house? 17:34 How much of a down payment should I put on a house? 26:50 Should my family slow travel with our 2-year-old? 53:37 Advice for new family life after new baby? (and rebuilding a broken society)

Melodie Bridgeman from the Carver County Community Development Agency pulls back the curtain on programs most residents don't know exist. We dig into the CDA's down payment assistance offering up to $50,000 in forgivable loans for first-time buyers, break down how Community Land Trusts let families purchase $400,000 homes at $250,000 price points, and Melodie tells the full story behind Chaska Yards—a decade-long project involving a yellow brick house moved at half a mile per hour, an accidental fire caused by a gecko heat lamp, and archaeologists excavating 1,900 artifacts from a historic outhouse pit.We also cover Section 8 and rental assistance (and clear up some misconceptions), resources for homeowners facing financial hardship, and Next Stage—the free entrepreneurial support program that helped 50 Carver County businesses secure nearly $3 million in financing last year.Whether you're a first-time buyer wondering how to afford Carver County, a landlord curious about voucher programs, or someone with a business idea you've been sitting on, this episode has something for you.CarverCDA.org | NextStageMN.org

Free tools to use data to make your marketing more successful | Down Payment The Podcast for Used Car Dealers S5 E13Are you using data in the most effective way? Everyone is talking about data, but do they know how to use it to improve their marketing? We have great ideas and free tools you can use to make your marketing more successful! Watch this episode for our thoughts on the subject, and then tell us about your ideas in the comments! Link to Geocoder:https://geocoding.geo.census.gov/geocoder/Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:YouTube - @DownPaymentPodcastYouTube - @cardealeru5061X - @DownPaymentPodInstagram - @DownPaymentPodcastDon't forget to like and subscribe! #carsales #usedcar #usedcarsforsale ##autosales #automobile #auto #cardealer #cardealership #preownedcar #secondhandcar #buyherepayhere #managmenttraining #manager #managertraining #denver

In this episode, we discuss the United Kingdom's move toward judge-only trials and what the erosion of jury trials means for due process and limits on state power. We examine how plea bargaining, prosecutorial incentives, and presumed guilt have reshaped the criminal justice system, along with the role of body cameras and public trust in law enforcement. We also explore federal enforcement authority, debates over the Second Amendment and constitutional carry, and why gun rights are often treated differently from other civil liberties. The conversation then turns to housing, where we break down competing estimates of the housing shortage, rising prices, zoning restrictions, rent control, and political attempts to manage prices rather than supply. We close by looking at why prices function as signals rather than levers, and how productive disagreement is essential to a healthy society. 00:00 Introduction and Overview 00:27 UK Moves Toward Judge-Only Trials 01:46 Jury Nullification and the Last Check on State Power 03:18 Prosecutors, Plea Deals, and Why Jury Trials Disappear 04:48 Presumed Guilt and the Psychology of Law Enforcement 05:58 Body Cameras and Changing Views of Police Conduct 08:01 ICE, Oversight, and Federal Enforcement Power 08:59 Judge Jeanine Pirro and Threats Against Lawful Gun Owners 10:45 The Second Amendment as a Pre-Existing Right 12:43 Limits, Exceptions, and Constitutional Carry 15:04 Federal Policing and the Purpose of the Second Amendment 16:07 Conflicting Estimates of the U.S. Housing Shortage 18:50 Housing Prices, Income Ratios, and Public Perception 20:43 Down Payments, Rent Pressure, and Affordability Myths 23:47 Spending Habits, Lifestyle Inflation, and Housing Choices 27:30 NIMBYism, Zoning Laws, and Why Supply Stays Constrained 30:15 Rent Control, Landlords, and Market Distortions 32:14 Trump on Housing Prices and Political Price Controls 33:53 Why Prices Are Metrics, Not Levers 36:07 Mortgages, Risk, and Government Loan Guarantees 38:02 How Productive Disagreement Actually Works 40:35 Closing Reflections and Community Engagement Learn more about your ad choices. Visit podcastchoices.com/adchoices

Hiring Smart for Savvy Employers | Down Payment The Podcast for Used Car Dealers S5 E12Are you good at hiring good candidates? It's not easy, and it can cost you customers or even your business if you make mistakes. Find out ways you can make smart decisions when hiring employees. Watch this episode for our thoughts on the subject, and then tell us about your ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:YouTube - @DownPaymentPodcastYouTube - @cardealeru5061X - @DownPaymentPodInstagram - @DownPaymentPodcastDon't forget to like and subscribe! #carsales #usedcar #usedcarsforsale ##autosales #automobile #auto #cardealer #cardealership #preownedcar #secondhandcar #buyherepayhere #managmenttraining #manager #managertraining #denver

Car Dealers Grow Your Sales! | Down Payment The Podcast for Used Car Dealers S5 E11What is the single cheapest and most effective campaign we ever used to grow our used car sales? Find out in how you can do it with your dealership! Watch this episode for our thoughts on the subject, and then tell us about your ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:YouTube - @DownPaymentPodcastYouTube - @cardealeru5061X - @DownPaymentPodInstagram - @DownPaymentPodcastDon't forget to like and subscribe! #carsales #usedcar #usedcarsforsale ##autosales #automobile #auto #cardealer #cardealership #preownedcar #secondhandcar #buyherepayhere #managmenttraining #manager #managertraining #denver

How to deal with difficult customers! | Down Payment The Podcast for Used Car Dealers S5 E10Every dealership has difficult customers. What does your dealership do to deal with a difficult customer? Are your employees trained to handle them? Find out ways you can turn your difficult customers into happy ones! Watch this episode for our thoughts on the subject, and then tell us about your ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:YouTube - @DownPaymentPodcastYouTube - @cardealeru5061X - @DownPaymentPodInstagram - @DownPaymentPodcastDon't forget to like and subscribe! #carsales #usedcar #usedcarsforsale ##autosales #automobile #auto #cardealer #cardealership #preownedcar #secondhandcar #buyherepayhere #managmenttraining #manager #managertraining #denver

“What's Buggin' You” segment for Friday 1-30-26

This bonus episode features Caeli Ridge from Ridge Lending Group, breaking down what's happening right now with DSCR loans and why they're getting so much attention from rental property investors.Caeli explains how DSCR loan rates have been coming down and are now very close to Fannie Mae and Freddie Mac rates. We talk about why DSCR loans are often simpler than conventional mortgages, how they qualify based on the deal instead of the investor's personal income, and why that makes them especially attractive for investors.We also discuss how increased competition from DSCR lenders has pushed Fannie and Freddie to lower their down payment requirements. Single-family rental properties now require as little as 15 percent down. Caeli also walks through the documentation needed for conventional loans and what credit scores lenders are looking for.Listen in on a coaching call with Caeli and a client:  https://rentalincomepodcast.com/bonus-tinaContact Caeli:Websiteinfo@ridgelendinggroup.com1-855-747-4343

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---

Win customers by updating your signage! | Down Payment The Podcast for Used Car Dealers S5 E9Does your signage look old, outdated, or even worn out? You might be scaring off customers! Win customers with some great new signage. Find out how and why you should always be updating your signage. Watch this episode for our thoughts on the subject, and then tell us about your ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:YouTube - @DownPaymentPodcastYouTube - @cardealeru5061X - @DownPaymentPodInstagram - @DownPaymentPodcastDon't forget to like and subscribe! #carsales #usedcar #usedcarsforsale ##autosales #automobile #auto #cardealer #cardealership #preownedcar #secondhandcar #buyherepayhere #managmenttraining #manager #managertraining #denver

Can you really use your 401(k) to buy a house — and would that actually make housing more affordable?There's growing discussion around a proposal tied to Donald Trump that would allow Americans to tap their 401(k) retirement savings for a home purchase, potentially without early withdrawal penalties. On the surface, it sounds helpful. But Econ 101 tells us the second-order effects matter.In this show Kevin Thompson, CFP®, EA, RICP®, founder of 9i Capital Group explains how this would actually work from a tax perspective, how it compares to first-time homebuyer IRA rules, and why increasing access to retirement money could ultimately push home prices higher.You'll learn:▶️ How 401(k) withdrawals are taxed (penalty vs taxable income)▶️ Why housing affordability is more about price than interest rates▶️ How increased demand impacts home values▶️ The long-term risk of pulling from retirement accountsThis is financial education — not political commentary.

Leadership Self Audits! Perform your best as a leader! | The Podcast for Used Car Dealers S5 E8Performance reviews are a best practice, but are you reviewing yourself? If you want to perform your best, you need to be doing leadership self audits. Find out more about this as we discuss this important tool you can use to make your dealership and leadership stronger. Watch this episode for our thoughts on the subject, and then tell us about your ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:YouTube - @DownPaymentPodcastYouTube - @cardealeru5061X - @DownPaymentPodInstagram - @DownPaymentPodcastDon't forget to like and subscribe! #carsales #usedcar #usedcarsforsale ##autosales #automobile #auto #cardealer #cardealership #preownedcar #secondhandcar #buyherepayhere #managmenttraining #manager #managertraining #denver

Home prices remain high, mortgage rates are volatile, and for many buyers the biggest hurdle isn't the payment — it's the down payment. A new housing affordability idea reportedly being discussed by President Trump's administration could change that. The proposal would allow Americans to tap their 401(k) retirement accounts to help fund a home purchase or down payment, potentially without the usual 10% early-withdrawal penalty. In this episode of Real Estate News for Investors, Kathy Fettke breaks down what's being proposed, how 401(k) loans and withdrawals work today, and why financial planners and retirement experts are raising serious concerns. From retirement short falls and lost compounding to questions around taxes, repayment, and home equity, this idea may carry far more risk than it appears on the surface. Is this a smart path to homeownership — or a costly trade-off for long-term wealth? Stay informed before policy turns into reality.

Did you know that the Holy Spirit is your down payment for your glorified body?President Trump rips the globalists to their faces at Davos; The reckoning is here!A warning from a woman in Britain about the Islamic takeover in Europe; Soy boyDon Lemon invades a church in Minnesota; Pastors, when is enough enough?Stand up! And my new book, Gold Tried in the Fire, is now available for pre-order. We put a link in the show notes for you!New episodes are released every Monday. Subscribe so you don't miss an episode, and leave us a rating on your podcast platform of choice. For more info or to support Burning Bush Ministries, visit our website at burningbushministries.tv.Follow us on social media:x.com/edifypodcastFacebook.com/edifypodcastPre-Order Jammie's Book:https://www.amazon.com/s?k=gold+tried+in+the+fire+by+Jammie+C.+Bush&i=stripbooks&crid=WWYDIH90NUD5&sprefix=gold+tried+in+the+fire+by+jammie+c.+bush,stripbooks,117&ref=nb_sb_noss Product Spotlight:Dr. Rhonda's Ultimate Daily Detoxifier:https://doctorrhonda.myshopify.com/discount/BURNINGBUSH?redirect=%2Fproducts%2Fultimate-daily-detoxifierUse promo code Edify!Dr. Rhonda's Ultimate Immune Booster:https://doctorrhonda.myshopify.com/products/bpuibooster?_pos=2&_psq=ultim&_ss=e&_v=1.0Use promo code Edify!My Pillow:https://www.mypillow.com/?cq_src=google_ads&cq_cmp=6481386640&cq_term=my%20pillow&cq_med=&cq_plac=&cq_net=g&cq_plt=gp&gclid=CjwKCAjwue6hBhBVEiwA9YTx8D1g59gXEUjFegHoWVjHHx6V_dwQUAQpc2fT4fQqsK93A1s2W-XT-RoCeLsQAvD_BwEUse promo code B66

Looks like it is over for the Mag Seven stocks The name Magnificent Seven came out in 2023 by a strategist from Bank of America named Michael Harnett. The idea is the name came from a classic western movie featuring seven heroic gunfighters and their push to save a small town. But just like other hot themes like the Nifty 50 back in the 60s and BRIC where you had to be invested in the emerging markets of Brazil, Russia, India and China, it looks like the Mag Seven glory days are over. In 2025, only two companies, Alphabet and Nvidia, outperformed the S&P 500. Microsoft, Meta, Apple, Amazon, and Tesla were no longer called stock market stars, and I believe this year will be another year of underperformance for most of these players. The Magnificent Seven still accounts for 36% of the S&P 500's market cap, which is why I believe the S&P 500 will not have a great year in 2026. It will be hard for investors to give up these companies because as they look in the rearview mirror, they feel they're worth their value because they made very good returns in the past. However, just like the Nifty 50 and other hot investment themes throughout history, everything comes back to the mean. The question for many is what will be the next hot investment idea? No one knows for sure but I'm confident someone on Wall Street will come up with some exciting name for investors to chase and they'll tell them not worry about the fundamentals of the business.    Is using part of your 401(k) for a down payment on your home a good idea? The President is trying very hard to stimulate the housing market and allow younger people to buy their first home. One idea that has been tossed around is allowing people to use their 401(k) for a down payment. People can currently borrow from their 401(k) and I often hear uninformed people say it's a great thing because you get to pay yourself the interest. Briefly, it is not a great idea because those "interest" payments don't account for the negative impact of the opportunity for what those funds could have grown at. You also don't get a tax deduction when paying the loan, and then you pay taxes on distributions at a later date, so it also has a negative tax impact. Outside of 401k loans, how's the administration looking to help first time homebuyers? Kevin Hassett, who is director of the National Economic Council, threw out one possibility that a homeowner could put 10% of the equity of their home into a 401(k). That may make your 401(k) balance look artificially high because as the home grows in value so does that 10%. The problem I see is when it comes to retiring that 10% cannot provide retirement income. I still believe the best way to fix the affordability problem is to increase the supply of homes to match the demand, which would reduce prices. AI will create jobs that have not even been imagined yet There are jobs that are starting to be seen and developed as AI becomes more involved in business. One example is someone has to make sure that the systems are kept up-to-date and function properly. There's also going to be people that have to understand the technology thoroughly and then translate the output, so managers, judges, regulators, or anyone else that is using it understands the answer. Experts will have to understand such things as self-driving vehicles and how the technology works. Say there is a car accident with two self-driving cars, who determines who's at fault? There will need to be experts that understand the self-driving technology and then try to explain the situation. The AI system will have to be checked from time to time to verify that the AI system did not produce results that were unfairly skewed in one direction or the other. Once that is discovered, another expert would have to know how to fix and eliminate those problems using new data that helps eliminate the bias. Training is another area of opportunity. As people's jobs change, they will need training in the new technology. The expert trainer would also use the technology to figure out what teaching style works best for the individual. Yes, the future is always scary because of the unknown, but innovation continues onward creating new opportunities and problems that need to be solved.     Financial Planning: Start Social Security Early to Invest? When evaluating when to start Social Security, there are generally two schools of thought. Either collect early at age 62 to invest the funds or wait until age 70 for a larger monthly benefit. Proponents of waiting argue that the age-70 benefit is roughly 77% higher than collecting at 62 and that deferring protects against longevity risk. Regular people and some financial advisors alike believe this is the superior strategy. A recent article in the Wall Street Journal takes this stance, stating that many retirees will live until age 85, so collecting at 70 increases guaranteed income and reduces market risk. However, the article illustrates its conclusion using an inflation-adjusted return assumption of –3% on invested funds. While technically possible, such an outcome is extremely unlikely over a 23-year period (ages 62 to 85), especially because the analysis applies returns to monthly payments over time rather than a lump sum, meaning the cash flows would benefit from dollar-cost averaging rather than suffer from sequence-of-returns risk. In reality, retirees who collect at 62 rarely invest the benefits directly; instead, they reduce withdrawals from an existing portfolio, preserving capital that can compound and generate additional income to offset the lower Social Security benefit. When the math is examined with multiple expected returns, a retiree is better off collecting at 62 if they live to age 78 assuming a 0% return, age 84 with a 5% return, age 94 with an 8% return, and any lifespan with a 10% return. Ultimately, the decision is less about maximizing guaranteed income and more about understanding expected returns, cash-flow dynamics, and the opportunity cost of delaying benefits.   Companies Discussed: Expand Energy Corporation (EXE), Citigroup Inc. (C), The Kraft Heinz Company (KHC) & GameStop Corp. (GME)

Performance reviews at your dealership! | The Podcast for Used Car Dealers S5 E7Performance reviews are an HR best practice. They are important and performance reviews help build a better dealership. Watch this episode for our thoughts on the subject, and then tell us about your ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:YouTube - @DownPaymentPodcastYouTube - @cardealeru5061X - @DownPaymentPodInstagram - @DownPaymentPodcastDon't forget to like and subscribe! #carsales #usedcar #usedcarsforsale ##autosales #automobile #auto #cardealer #cardealership #preownedcar #secondhandcar #buyherepayhere #managmenttraining #manager #managertraining #denver

Talk to your Customers! | The Podcast for Used Car Dealers S5 E6Are you talking to your customers? Do they talk with you? What sort of engagement and interactions should the owner of a dealership have with customers? Watch this episode for our thoughts on the subject, and then tell us about your ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:YouTube - @DownPaymentPodcastYouTube - @cardealeru5061X - @DownPaymentPodInstagram - @DownPaymentPodcastDon't forget to like and subscribe! #carsales #usedcar #usedcarsforsale ##autosales #automobile #auto #cardealer #cardealership #preownedcar #secondhandcar #buyherepayhere #managmenttraining #manager #managertraining #denver

MRKT Matrix - Friday, January 16th Trump's Comments On Hassett Push Treasury Yields to Four-Month High (WSJ) The Turbulent Forces Reshaping The Fed This Year (Bloomberg) Bowman Wants Fed R Fed Vice Chair Says Interest Rates Are Well Positioned (Bloomberg) Big earnings reports and worries around the interest rate outlook could sway markets next week (CNBC) S&P 500 Earnings Season Update (FactSet) JPMorgan Forms New Team to Get In on the Boom in Private Markets (WSJ) White House Plan Would Let Americans Tap 401(k)s for Down Payments on Homes (WSJ) --- Subscribe to our newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://riskreversalmedia.beehiiv.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ MRKT Matrix by RiskReversal Media is a daily AI powered podcast bringing you the top stories moving financial markets Story curation by RiskReversal, scripts by Perplexity Pro, voice by ElevenLabs

Use the principle of scarcity to grow your dealership! | The Podcast for Used Car Dealers S5 E5Do you use the principle of scarcity at your business? Does it work or does it drive customers away? Find our how to properly use this sales tool without scaring off your prospects. Watch this episode for our thoughts on the subject, and then tell us about your ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:YouTube - @DownPaymentPodcastYouTube - @cardealeru5061X - @DownPaymentPodInstagram - @DownPaymentPodcastDon't forget to like and subscribe! #carsales #usedcar #usedcarsforsale ##autosales #automobile #auto #cardealer #cardealership #preownedcar #secondhandcar #buyherepayhere #managmenttraining #manager #managertraining #denver

Down Payment Program and license plate readers

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Leadership! How to motivate, build trust and lead your team | The Podcast for Used Car Dealers S5 E4Leadership has evolved. Here are 7 tips for great leadership using principles you can start learning today! Watch this episode for our thoughts on the subject, and then tell us about your ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:YouTube - @DownPaymentPodcastYouTube - @cardealeru5061X - @DownPaymentPodInstagram - @DownPaymentPodcastDon't forget to like and subscribe! #carsales #usedcar #usedcarsforsale ##autosales #automobile #auto #cardealer #cardealership #preownedcar #secondhandcar #buyherepayhere #managmenttraining #manager #managertraining #denver

https://wels2.blob.core.windows.net/daily-devotions/20260109dev.mp3 Listen to Devotion When you believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God’s possession—to the praise of his glory. Ephesians 1:13-14 God Made the Down Payment How do you go about paying for a new house? You deposit a portion of the cost for the house up front, right? You make a down payment. However, even though you still haven’t paid in full, you already get to move into the house. You get to live in it and enjoy it. You get to make it your own. You don’t have to wait to pay the full amount to make the house your home. Of course, many years later, when you one day make the final payment on your home, there’s a special joy and satisfaction in knowing the home is completely owned by you. There’s no one else with a claim on it at all anymore. Maybe buying a house can help you understand what God is telling you here in Ephesians chapter 1. When you believe in Jesus, you’re marked with God’s seal—the Holy Spirit himself. The Holy Spirit enters your heart as God’s down payment and guarantees your full future redemption to come. Before reaching your ultimate salvation on the Last Day when you sit at your Lord’s feet in heaven, already now, by faith, the Holy Spirit dwells in your heart. That means you now get to enjoy the blessings of God: to taste his forgiveness, to have a hope that presses you forward, to know a love that has no limit. This is just the down payment that guarantees so much more. Your eternal salvation is sealed already by the Spirit dwelling in you. God guarantees a future for you. The Holy Spirit has made your heart his home, and that means you are God’s special possession today and in eternity. Prayer: Dear Holy Spirit, I thank you for making my heart your home and for guaranteeing me a future with you and the Father and the Son. That you would do this, even for a sinner like me, shouts your praise and glory to the ends of the earth. Amen. Daily Devotions is brought to you by WELS. This work is licensed under a Creative Commons Attribution-Noncommercial-No Derivative Works 3.0 United States License. All Scripture quotations, unless otherwise indicated, are taken from the Holy Bible, New International Version®, NIV®. Copyright ©1973, 1978, 1984, 2011 by Biblica, Inc. ™ Used by permission of Zondervan. All rights reserved worldwide.

https://wels2.blob.core.windows.net/daily-devotions/20260109dev.mp3 Listen to Devotion When you believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God’s possession—to the praise of his glory. Ephesians 1:13-14 God Made the Down Payment How do you go about paying for a new house? You deposit a portion of the cost for the house up front, right? You make a down payment. However, even though you still haven’t paid in full, you already get to move into the house. You get to live in it and enjoy it. You get to make it your own. You don’t have to wait to pay the full amount to make the house your home. Of course, many years later, when you one day make the final payment on your home, there’s a special joy and satisfaction in knowing the home is completely owned by you. There’s no one else with a claim on it at all anymore. Maybe buying a house can help you understand what God is telling you here in Ephesians chapter 1. When you believe in Jesus, you’re marked with God’s seal—the Holy Spirit himself. The Holy Spirit enters your heart as God’s down payment and guarantees your full future redemption to come. Before reaching your ultimate salvation on the Last Day when you sit at your Lord’s feet in heaven, already now, by faith, the Holy Spirit dwells in your heart. That means you now get to enjoy the blessings of God: to taste his forgiveness, to have a hope that presses you forward, to know a love that has no limit. This is just the down payment that guarantees so much more. Your eternal salvation is sealed already by the Spirit dwelling in you. God guarantees a future for you. The Holy Spirit has made your heart his home, and that means you are God’s special possession today and in eternity. Prayer: Dear Holy Spirit, I thank you for making my heart your home and for guaranteeing me a future with you and the Father and the Son. That you would do this, even for a sinner like me, shouts your praise and glory to the ends of the earth. Amen. Daily Devotions is brought to you by WELS. This work is licensed under a Creative Commons Attribution-Noncommercial-No Derivative Works 3.0 United States License. All Scripture quotations, unless otherwise indicated, are taken from the Holy Bible, New International Version®, NIV®. Copyright ©1973, 1978, 1984, 2011 by Biblica, Inc. ™ Used by permission of Zondervan. All rights reserved worldwide.

Follow-ups! They are critical to your deals. The Podcast for Used Car Dealers S5 E3Follow-ups help you cash in on as many valuable deals as possible. Don't miss out on this great way to increase your car sales. Make the right follow-ups. Watch this episode for our thoughts on the subject, and then tell us about your ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:YouTube - @DownPaymentPodcastYouTube - @cardealeru5061X - @DownPaymentPodInstagram - @DownPaymentPodcastDon't forget to like and subscribe! #carsales #usedcar #usedcarsforsale ##autosales #automobile #auto #cardealer #cardealership #preownedcar #secondhandcar #buyherepayhere #managmenttraining #manager #managertraining #denver

How long does it take to save for a home? It depends, especially based on where you live! A recent report from Consumer Affairs ranks all 50 states by how long it would take the average American to save for a home down payment. We dive deep into the data and add on our Money Guy spin. Then we answer your financial questions - and celebrate the 20th anniversary of The Money Guy Show! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

Recorded live at the 2025 MBA Annual in Las Vegas, this special episode of Market Pulse explores how down payment assistance programs can help unlock homeownership amid today's affordability challenges. Joel Rickman of Equifax sits down with Rob Chrane, Founder and CEO of Down Payment Resource, to discuss how lenders, real estate professionals, and technology can better connect buyers to thousands of available programs—and why awareness, education, and alignment are key to getting more families into homes.In this episode:What is down payment assistance, and how does it help homebuyers?Down payment assistance (DPA) includes grants, forgivable loans, and other programs that help cover down payments and closing costs. These programs can significantly reduce upfront cash requirements and make homeownership more accessible—especially for first-time buyers and middle-income households.How many down payment assistance programs exist today?According to Down Payment Resource's latest Homeownership Program Index, there are more than 2,600 active homeownership assistance programs nationwide, administered by over 1,300 state, local, and nonprofit organizations.Who qualifies for down payment assistance programs?Eligibility varies by program, but many programs serve more than just low-income buyers. Some programs:Have no household income limitsSupport middle-income and “missing middle” buyersApply to manufactured homes and multifamily (2–4 unit) propertiesAre available nationally or in high-cost housing marketsWhy don't more buyers use down payment assistance?The biggest barrier isn't funding—it's awareness. Many buyers (and even industry professionals) don't know these programs exist. Fragmentation, lack of standardization, and fear of complexity have historically limited adoption.How do lenders and loan officers use Down Payment Resource?Down Payment Resource provides tools that:Match borrowers and properties with eligible assistance programsIntegrate with loan origination systems (LOS)Surface vetted programs automatically during the lending processHelp lenders educate borrowers without adding operational burden

Sell more cars! Supercharge your Training! The Podcast for Used Car Dealers S5 E2Sell more cars! Training is a key to a great dealership. You and your staff should always be training and growing. Find out how to supercharge your training! Watch this episode for our thoughts on the subject, and then tell us about your ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:YouTube - @DownPaymentPodcastYouTube - @cardealeru5061X - @DownPaymentPodInstagram - @DownPaymentPodcastDon't forget to like and subscribe! #carsales #usedcar #usedcarsforsale ##autosales #automobile #auto #cardealer #cardealership #preownedcar #secondhandcar #buyherepayhere #managmenttraining #manager #managertraining #denver

Etiquite Training Will Improve  Car Sales! | The Podcast for Used Car Dealers S5 E1Etiquite training will improve your car sales! You can improve trust, shorten sale cycles, and encourage repeat business with proper etiquette. All you need is some easy training to make sure your team is doing more than just being polite! Although that doesn't hurt either. Watch this episode for our thoughts on the subject, and then tell us about your ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:YouTube - @DownPaymentPodcastYouTube - @cardealeru5061X - @DownPaymentPodInstagram - @DownPaymentPodcastDon't forget to like and subscribe! #carsales #usedcar #usedcarsforsale ##autosales #automobile #auto #cardealer #cardealership #preownedcar #secondhandcar #buyherepayhere #managmenttraining #manager #managertraining #denver

Are you ready to expand your dealership?| The Podcast for Used Car Dealers S4 E92Everyone thinks they want to expand, but are they ready? We have five questions you need to ask yourself before you consider a second location for your business! Watch this episode for our thoughts on the subject, and then tell us about your ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:YouTube - @DownPaymentPodcastYouTube - @cardealeru5061X - @DownPaymentPodInstagram - @DownPaymentPodcastDon't forget to like and subscribe! #carsales #usedcar #usedcarsforsale ##autosales #automobile #auto #cardealer #cardealership #preownedcar #secondhandcar #buyherepayhere #managmenttraining #manager #managertraining #denver

Stand out with a unique sales experience! | The Podcast for Used Car Dealers S4 E91You probably say you're better than the competition due to your sales experience? But is it actually unique? We are going to discuss that in this episode of Down Payment and help you with a great way to make your sales experience truly unique! Watch this episode for our thoughts on the subject, and then tell us about your ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:YouTube - @DownPaymentPodcastYouTube - @cardealeru5061X - @DownPaymentPodInstagram - @DownPaymentPodcastDon't forget to like and subscribe! #carsales #usedcar #usedcarsforsale ##autosales #automobile #auto #cardealer #cardealership #preownedcar #secondhandcar #buyherepayhere #managmenttraining #manager #managertraining #denver

In this Home Buyer Crash Course, I break down what today's Northern Colorado buyers actually need to know before purchasing a home.I cover current market conditions in late 2025, how much buyers can realistically negotiate, inventory levels in Larimer and Weld County, and what's changed over the last several years. I also explain common mortgage mistakes, how to think about market “crash” fears, and why timing the market often backfires.We dive deep into pricing strategy, inspections and due diligence, real estate commissions, and how to structure a deal that protects you long-term — whether you're a first-time buyer or have purchased multiple homes before.Topics include:• How much you can negotiate off list price right now• Inventory levels & days on market in Northern Colorado• Market crash fears vs real historical data• Mortgage pre-approval mistakes to avoid• Down payments, PMI, closing costs, and rate strategies• Inspections, due diligence & hidden risks buyers miss• Real estate commissions — what changed and what didn't• Why “time in the market” matters more than timing the market

Creative Video for Your Dealership Pt 2  | The Podcast for Used Car Dealers S4 E90Even more creative ways to use video for your dealership! The age of video is upon us. It has been for a while, and thus, your videos need to stand out in a crowd! What are some ways to do this you ask? Watch this episode for our thoughts on the subject, and then tell us about your ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:YouTube - @DownPaymentPodcastYouTube - @cardealeru5061X - @DownPaymentPodInstagram - @DownPaymentPodcastDon't forget to like and subscribe! #carsales #usedcar #usedcarsforsale ##autosales #automobile #auto #cardealer #cardealership #preownedcar #secondhandcar #buyherepayhere #managmenttraining #manager #managertraining #denver

If you've been enjoying The Independent Advisors podcast for a while now and want to take the next step in your financial journey, I'd encourage you to head to our website, jessupwealthmanagement.com (https://www.jessupwealthmanagement.com/) . Matt offers a 15-minute initial call where you can discuss your financial goals and see if JWM is a good fit for your needs.Scheduling is easy—once you land at jessupwealthmanagement.com (https://www.jessupwealthmanagement.com/) just click “Schedule Initial Call” and select a time that works best for you!There's a quick survey to fill out that will help guide the conversation and ensure your time is used efficiently.If you're ready to learn more, visit jessupwealthmanagement.com (https://www.jessupwealthmanagement.com/) and book your call today!Take advantage of our partnership with LifeLock and get discounts using our link: https://lifelock.norton.com/offers?expid=LLONEYEAR&promocode= JSPW24&VENDORID= _JESSUPWM&om_ext_cid=ext_partner_ JSPW24_Productpage $)331 Topics:Firm Growth & NavX Realty Overview (06:10)Interest Rates & Market Impact (12:00)Down Payments & First-Time Buyer Access (16:30)Regional Housing Trends & Buyer Preferences (19:15)Seller Strategies & Value-Boosting Improvements (25:20)Younger Buyers & Equity-Building Strategies (30:00)Agent Education & Client Support (30:15)Downsizing & “Lateral Move” Challenges (35:00)Timing the Market vs. Smart Decision-Making (39:50)2026 Market Outlook & Final Thoughts (41:30 – 42:50)https://peeblesgrp.com/

Think your clients need 20% down to buy a home? Think again! In this episode, Richelle Henderson joined us to bust down payment myths, explore real options for today's buyers, and share how REALTORS® can be better guides through the process.     www.har.com/downpayment   Sign up for Free Industry News Subscriptions for HAR Members here-    https://www.harconnect.com/free-industry-news-subscriptions-for-har-members/   Are you an HAR MLS Platinum Subscriber? Join our Facebook Group! Click to join. Sign Up for your free Real Estate News Subscription here. Sign up for your free Inman Select Subscription here. Follow us on Facebook, Twitter, Instagram, YouTube , and LinkedIn.  

Think you need $50K to buy a home? Think again — this episode shows the truth they're not telling you.First-time homebuyer numbers just hit record lows, but the real cause isn't high prices — it's bad guidance. In this episode, David reveals the proven, low-down-payment strategy that's been hidden from buyers for years. It's not new, and it's not complicated — it's just not profitable for the industry. You'll learn how to build a custom plan based on your budget, not their sales pitch.“Millions of perfectly capable first-time homebuyers are left in the dark. That sucks.” HIGHLIGHTSThe #1 reason first-time buyer rates are collapsing in 2025How the system profits from keeping you in the darkRent replacement math: your secret weapon to plan smartWhy “affordability” myths stop people who could be buying right nowREFERENCED EPISODES400: Introduction: How to Buy a Home Starter Series (START HERE)180: Online Mortgage Calculators Are GARBAGE – Here's Why300: Final Episode Transcript370: The Truth About Tax Breaks for First-Time Buyers – INTERVIEW355: Real Answers Pt 4: Should I Rent or Buy in 2025?Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Learn how to shift savings between retirement and a home down payment without derailing your future. How do you balance big life experiences with long-term financial goals? Is it smart to scale back retirement savings to buy a home sooner? Hosts Sean Pyles and Elizabeth Ayoola discuss wedding budgeting, honeymoon spending, and saving trade-offs to help you think through your own big-ticket plans. Fresh off his San Francisco City Hall wedding and multi-city honeymoon through Japan and South Korea, Sean shares how he saved ahead of time, avoided debt, and still came home with money left over. They talk about budgeting for flights and hotels, deciding when to splurge versus save, the realities of travel fatigue, and how to reset your budget afterward by trimming categories like clothing. Elizabeth also opens up about her “37 to 37” joy challenge, holiday shopping stress around Black Friday and Cyber Monday, and the emotions of planning birthday and Christmas spending. Then, fellow Nerds Dalia Ramirez and Kate Ashford join Elizabeth to discuss whether it makes sense to divert retirement savings toward a home down payment. They walk through how to prioritize savings goals, use age-based benchmarks to see if you're on track, and set a clear end date for any “pause” to protect your future self. They also break down key differences between Roth IRAs and 403(b)s, when it may be smarter to lower 403(b) contributions instead of tapping a Roth, how first-time homebuyers might use up to $10,000 in Roth earnings for a purchase, and the trade-offs of sacrificing compound growth today for the long-term benefits of owning a home. Enter to Win NerdWallet's Debt-Free December Sweepstakes: https://www.nerdwallet.com/m/loans/personal-loans/debtfreedecember  Use NerdWallet's free retirement calculator to check your progress, see how much retirement income you'll have and estimate how much more you should save: https://www.nerdwallet.com/investing/calculators/retirement-calculator  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: retirement savings, home down payment, diverting retirement savings, saving for a house, Roth IRA withdrawal for home, Roth IRA first time homebuyer, 403b vs Roth IRA, pension and retirement savings, retirement savings benchmark by age, compound interest retirement, emergency fund vs house down payment, balancing savings goals, saving for retirement in your 30s, retirement calculator planning, how much to save for retirement, wedding budget, honeymoon budget, travel budget planning, Japan trip cost, Tokyo travel budget, Seoul travel budget, big life event budgeting, saving for wedding and house, Cyber Monday shopping tips, Black Friday shopping stress, holiday gift budget, birthday spending, joyful spending, government pension retirement planning, high interest debt payoff vs investing, reducing 403b contributions, Roth IRA contributions vs earnings, and first time homebuyer rules Roth IRA. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Buying a home with a small down payment is possible, but choosing the wrong loan could cost you thousands. In this video we break down the real differences between FHA, 3 percent down conventional, USDA, and VA loans so you know exactly which fits your financial situation. You will learn the credit rules, automated approval pitfalls, debt to income limits, and how lenders actually evaluate your file. Watch to the end so you can choose the minimum down program that sets you up for long term success. FREE Online Workshop - Your Guide to Buying A Home In 2026Ready To Become A Homeowner? Start HereJoin Rate Watch – we'll watch rates for youEmail: info@theeducatedhomebuyer.comConnect with Us

Brief: Two paths, one principle: treat homebuying as a long-term financial strategy, not a short-term hurdle.Synopsis: This holiday episode is less about quick fixes and more about reframing your mindset. David Sidoni uses the season of spending and reflection to challenge renters to think long-term. Whether you're considering formal assistance, planning to save aggressively, or exploring the option of family help, this episode presents the big picture. Sidoni explains how budgeting now — even during the holidays — can align you with a strategy to turn your lease into a mortgage. He explores how mindset, planning, and consistency are more powerful than credit score hacks or waiting for perfect market timing. While down payment assistance is addressed, so is the reality that some buyers may rely on gift funds — and the importance of being honest about what's possible and what's privileged.Quote: “Fear can be your ally. Informed consumers always outperform emotional ones.”Highlights:Why mindset matters more than market timing when planning your purchaseHow to use your current lease as a timeline for ownershipHoliday habits that can kickstart your 2025 savings goalsHow to approach family support or assistance with clarity and confidenceReferenced Episodes:388 – The Playbook Vol. 1: The Rent Replacement Strategy389 – The Playbook Vol. 2: Your Last Lease Ever314 – Is Real Estate a Good Investment? - Dave Meyer, Bigger Pockets Interview188 – House Hacking May Be Your Tool to Affordability52 – How To House Hack Buying Your First Home273 – Buying a Home in 11 Days! Single Mom Becomes Atlanta Homeowner (Interview)163 – Let's Hear From Another REAL Home Buyer: Amber's Story161 – Achieving The American Dream: An Interview With Sally135 – Interview With First Timers In One Of The Most Expensive Areas - Buying Without 20% Down Payment113 – Interview With A Single, Female First-Time Home Buyer In 2022198 – PMI Is a Privilege216 – PMI Is Still A Privilege And Still Not The DevilConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Housing has become so expensive in many places that people can't afford to live where they work. So, some local governments and businesses are helping with down payment costs to attract and keep employees. Is it working?