POPULARITY
69 episodes with dti
12 episodes with dti
14 episodes with dti
16 episodes with dti
10 episodes with dti
8 episodes with dti
15 episodes with dti
8 episodes with dti
9 episodes with dti
5 episodes with dti
3 episodes with dti
3 episodes with dti
3 episodes with dti
76 episodes with dti
14 episodes with dti
3 episodes with dti
3 episodes with dti
17 episodes with dti
Target Market Insights: Multifamily Real Estate Marketing Tips
Patrick Pychynski is the founder of Stacking Capital and a specialist in helping entrepreneurs unlock 0% interest business funding without relying on high-interest debt or personal guarantees. A former scrap metal yard operator turned business credit strategist, Patrick now helps clients secure $50,000 to $500,000 in funding by optimizing their credit and compliance—empowering them to scale while preserving personal financial security. Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here. Key Takeaways Patrick helps business owners secure 0% interest business credit cards—often between $50K–$500K—with little to no impact on their personal credit. These cards offer short-term financing with 6–18 month 0% periods and typically don't report to personal credit bureaus. Using these strategies can help cover renovation costs, down payments, or working capital needs when timed strategically. He stresses the difference between credit problems and cash flow problems, and why knowing the difference is key to growth. The ultimate goal is to make businesses bankable—ensuring they meet lender compliance standards for long-term financing. Topics Unlocking 0% Interest Business Funding Focuses on business credit cards with 0% interest intro periods for 6–18 months. Uses a three-pronged approach based on credit, cash flow, or collateral—most clients qualify via credit. Cards typically do not report to personal credit, which helps preserve your debt-to-income ratio. Who This Strategy Works For Best for business owners or real estate investors with 700+ personal credit scores. Short-term capital is ideal for fix-and-flip deals, renovations, down payments, or getting a business off the ground. Should not be used by those with poor cash flow or no repayment plan in place. How to Use Credit Cards for Real Estate or Business Growth Tools like Plastiq allow you to convert credit limits into cash, incurring only a 3–6% fee. Helps investors bridge capital gaps without affecting mortgage qualification or personal DTI. Strategy can be repeated if credit is managed properly and balances are kept low after intro periods expire. From Mistakes to Mastery Patrick learned the hard way—once jailed for a contract technicality due to lack of credit and funding options. That experience sparked his passion to educate others on leveraging business credit instead of personal risk. Today, he uses software to run compliance scans that instantly show clients what financing they're eligible for. Making Your Business Bankable Emphasizes the long-term play: becoming compliant with lender standards (like business addresses, credit file structuring). Explains why 90% of businesses get denied by banks—often due to non-compliance, not creditworthiness. His software helps correct these gaps quickly, helping businesses graduate from non-bankable to bankable.
Trying to qualify for a loan or boost your creditworthiness? Your debt-to-income ratio (DTI) plays a crucial role. Kris Krohn simplifies how DTI works and shares actionable steps to improve it. Learn the strategies that make you more appealing to banks and lenders, so you can grow your real estate portfolio or get better financing.
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 go through the path of one former originator to the U.S. Open of golf. Plus, Robbie sits down with Cardinal Financial's Brian Hurd for a discussion on how manufactured housing, lender-builder innovation, and shifting policy and market dynamics are reshaping the path to attainable homeownership amid today's affordability crisis. And we close with a look at shifting investor sentiment as a result of Israel's attacks on Iran.Today's podcast is presented by Flyhomes, the leading wholesale lender for Buy Before You Sell solutions. Whether your borrowers run into DTI issues, need to unlock home equity for down payment, make a stronger, cash-like offer, or even move potentially with no cash out of pocket, Flyhomes provides a full suite of financial products to help them move forward, before selling their current home.
This week Fred & Dylan kick off the More Than Me campaign for Dylan's Chicago Marathon. They also discuss Fred's newest initiation into a Bourbon club, talks with his coach, benefits of being in different communities and much more.Chapters:0:26 - Fred's Down Bad8:48 - You Can't Cheat It12:03 - Chicago Marathon Prep Has Begun13:20 - More Than Me23:05 - Healthy Habits. Strong Minds. Inspire Lives.32:07 - Conversations With Coach37:45 - Benefits of Multiple CommunitiesTo Support 1st Phorm & DTI shop products here: https://1stphorm.com/DTITo get a pair of Optic Nerve sunglasses for 20% off use this link and code DTI at checkout: http://www.opticnerve.com/DTITo purchase Athletic Brewing Company products follow this link & use code DYLAN20 at checkout for 20% off your first purchase https://bit.ly/3Qj1lkqTo purchase Honey Stinger products, click here: https://honeystinger.rfrl.co/jv3y5To get some Bombas gear, click here: https://www.pjatr.com/t/8-11047-337522-142593Subscribe To Our Newsletter: https://substack.com/@desiretooinspire/postsFollow Dylan and Freddy on Twitter @ItsDThack and @DTIRiteNauMake sure you subscribe to this channel so that you never miss an episode.Be sure to follow on social media @dtiritenau
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 go through how trade uncertainty is impacting the U.S. economy. Plus, Robbie sits down with Jeremy Potter and Brian Levy for a discussion on how the conforming credit box that once offered liquidity to the mortgage market is now fading into obsolescence with the rise of products like non-QM and other creative lending solutions. And we close with a look at what the latest producer price index report says about inflation in America after yesterday's CPI report brought a benign reading.Today's podcast is presented by Flyhomes, the leading wholesale lender for Buy Before You Sell solutions. Whether your borrowers run into DTI issues, need to unlock home equity for down payment, make a stronger, cash-like offer, or even move potentially with no cash out of pocket, Flyhomes provides a full suite of financial products to help them move forward, before selling their current home.
Trax Took Birth in October 1985 as a pirate radio station broadcasting from the north circular road in a caravan. The station was called "D.A.D",(abbreviated as Davinder,Amir,David). After a DTI bust,(or 3!), the name changed from D.A.D to a mobile disco name,(Trax Mobile Disco),to TRAX FM. The time was 1986,and what fun we had. New DJ's joined,Mickey,Ritz,The Pacman,The Captain & DJ Danny). Trax also had "live" phone in's and requests on air! We hope to bring some fun back to you over the internet. Anything good will be played. Whether that be House,Hip Hop,Electro,Soul,Jazz,Funk,Disco,Soca,Reggae/Chutney..whatever. Also the live debates returns! Enjoy! www.traxfm.org
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 go through some foreclosure figures in the U.S. Plus, Robbie sits down with Flyhomes Dan Richards to discuss the growing buy-before-you-sell (BBYS) market, with insights on the process, competitive advantages, wholesale focus, industry trends, and how brokers and consumers can get up to speed on this evolving home buying solution. And we close with a look at what the latest consumer price index report says about inflation in America.Today's podcast is presented by Flyhomes, the leading wholesale lender for Buy Before You Sell solutions. Whether your borrowers run into DTI issues, need to unlock home equity for down payment, make a stronger, cash-like offer, or even move potentially with no cash out of pocket, Flyhomes provides a full suite of financial products to help them move forward, before selling their current home.
Trax Took Birth in October 1985 as a pirate radio station broadcasting from the north circular road in a caravan. The station was called "D.A.D",(abbreviated as Davinder,Amir,David). After a DTI bust,(or 3!), the name changed from D.A.D to a mobile disco name,(Trax Mobile Disco),to TRAX FM. The time was 1986,and what fun we had. New DJ's joined,Mickey,Ritz,The Pacman,The Captain & DJ Danny). Trax also had "live" phone in's and requests on air! We hope to bring some fun back to you over the internet. Anything good will be played. Whether that be House,Hip Hop,Electro,Soul,Jazz,Funk,Disco,Soca,Reggae/Chutney..whatever. Also the live debates returns! Enjoy! www.traxfm.org
In this week's episode we talk with John Farnum from DTI on comparing what's new versus old at the NRA AM in Atlanta, GA. This episode is also brought to you by the team at Mountain Man Medical. Responsible Firearm Instructors have trauma medical gear on the range and are trained to use it. Mountain Man Medical provides the highest quality,… The post Wisdom on new vs old first appeared on The Firearm Trainer Podcast.
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 go through some metro specific price moves in the U.S. Plus, Robbie sits down with LoanLogics' Roby Robertson to discuss the proliferation of the non-QM mortgage market, examining its key growth drivers, borrower trends, technological advancements, and how lenders are navigating risk and compliance amid shifting economic conditions. And we close with a look at various headlines around the globe driving investor sentiment.Today's podcast is presented by Flyhomes, the leading wholesale lender for Buy Before You Sell solutions. Whether your borrowers run into DTI issues, need to unlock home equity for down payment, make a stronger, cash-like offer, or even move potentially with no cash out of pocket, Flyhomes provides a full suite of financial products to help them move forward, before selling their current home.
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 go through the latest Agency news. Plus, Robbie sits down with First American's Odeta Kushi to discuss why Americans are staying in their homes longer than ever, the economic and policy forces behind this trend, and what it means for the future of housing mobility and market recovery. And we close with a section on why Federal Reserve rate cut odds have dropped.The Flyhomes Guaranteed Backup Contract, available in all 50 states, gives borrowers a bona fide purchase agreement on their departing residence, helping them exclude that mortgage from DTI calculations and remove the home sale contingency when buying their next home, all in under 24 hours. For the past 10 years, Flyhomes has been a pioneer and leader in innovative financial products, helping 5,000+ buyers purchase their next home and enabling LOs to close 1.2 more loans per month on average.
Trax Took Birth in October 1985 as a pirate radio station broadcasting from the north circular road in a caravan. The station was called "D.A.D",(abbreviated as Davinder,Amir,David). After a DTI bust,(or 3!), the name changed from D.A.D to a mobile disco name,(Trax Mobile Disco),to TRAX FM. The time was 1986,and what fun we had. New DJ's joined,Mickey,Ritz,The Pacman,The Captain & DJ Danny). Trax also had "live" phone in's and requests on air! We hope to bring some fun back to you over the internet. Anything good will be played. Whether that be House,Hip Hop,Electro,Soul,Jazz,Funk,Disco,Soca,Reggae/Chutney..whatever. Also the live debates returns! Enjoy! www.traxfm.org
This week Fred & Dylan discuss planning, but being able to pivot. They also talk about upgrades to the studio, being selfish and how the mind can be a liar.0:26 - Studio Upgrades2:21 - Post Race Fesls7:57 - Importance of Planning17:58 - Be Selfish25:17 - Plan, But Pivot31:42 - The Mind Is A LiarTo Support 1st Phorm & DTI shop products here: https://1stphorm.com/DTITo get a pair of Optic Nerve sunglasses for 20% off use this link and code DTI at checkout: http://www.opticnerve.com/DTITo purchase Athletic Brewing Company products follow this link & use code DYLAN20 at checkout for 20% off your first purchase https://bit.ly/3Qj1lkqTo purchase Honey Stinger products, click here: https://honeystinger.rfrl.co/jv3y5To get some Bombas gear, click here: https://www.pjatr.com/t/8-11047-337522-142593Subscribe To Our Newsletter: https://substack.com/@desiretooinspire/postsFollow Dylan and Freddy on Twitter @ItsDThack and @DTIRiteNauMake sure you subscribe to this channel so that you never miss an episode.Be sure to follow on social media @dtiritenau
This week, some thoughts on the Boulder terrorism attack and, ultimately, the fantasy of “safe spaces” in an unsafe world. MichaelBane.TV - On the Radio episode # 273. Scroll down for reference links on topics discussed in this episode. Disclaimer: The statements and opinions expressed here are our own and may not represent those of the companies we represent or any entities affiliated to it. Host: Michael Bane Producer: Flying Dragon Ltd. More information and reference links: Critical Incidents/John Farnam, DTI Antisemitism is Here; So is the Bear Jew Option/Stephen Green, PJ Media Molotov Man Meets Awareness Raisers/Mark Steyn, Steyn OnLine Boulder Terrorist Shows Why Leftists Love Jihadis/Robert Spencer, Front Page The Music of Risian The Music of Theatre of Delays Photo by Oleg Yunakov - Own work, CC BY-SA 4.0
Trax Took Birth in October 1985 as a pirate radio station broadcasting from the north circular road in a caravan. The station was called "D.A.D",(abbreviated as Davinder,Amir,David). After a DTI bust,(or 3!), the name changed from D.A.D to a mobile disco name,(Trax Mobile Disco),to TRAX FM. The time was 1986,and what fun we had. New DJ's joined,Mickey,Ritz,The Pacman,The Captain & DJ Danny). Trax also had "live" phone in's and requests on air! We hope to bring some fun back to you over the internet. Anything good will be played. Whether that be House,Hip Hop,Electro,Soul,Jazz,Funk,Disco,Soca,Reggae/Chutney..whatever. Also the live debates returns! Enjoy! www.traxfm.org
Trax Took Birth in October 1985 as a pirate radio station broadcasting from the north circular road in a caravan. The station was called "D.A.D",(abbreviated as Davinder,Amir,David). After a DTI bust,(or 3!), the name changed from D.A.D to a mobile disco name,(Trax Mobile Disco),to TRAX FM. The time was 1986,and what fun we had. New DJ's joined,Mickey,Ritz,The Pacman,The Captain & DJ Danny). Trax also had "live" phone in's and requests on air! We hope to bring some fun back to you over the internet. Anything good will be played. Whether that be House,Hip Hop,Electro,Soul,Jazz,Funk,Disco,Soca,Reggae/Chutney..whatever. Also the live debates returns! Enjoy! www.traxfm.org
This week Fred & Dylan recap the Chattanooga 70.3. They also dive into the lead up, smiling through adversity, adapting and overcoming, and Fred gives Dylan advice as he gets ready to enter prep next. 0:26 - YOU ARE AN IRONMAN1:40 - Athletic Brewing2:11 - The Lead Up11:36 - Swim Cancelled24:09 - Smile Through30:30 - The Run36:59 - Stats42:17 - A Bikers High45:19 - Bib Mistake47:48 - Fred's AdviceTo Support 1st Phorm & DTI shop products here: https://1stphorm.com/DTITo get a pair of Optic Nerve sunglasses for 20% off use this link and code DTI at checkout: http://www.opticnerve.com/DTITo purchase Athletic Brewing Company products follow this link & use code DYLAN20 at checkout for 20% off your first purchase https://bit.ly/3Qj1lkqTo purchase Honey Stinger products, click here: https://honeystinger.rfrl.co/jv3y5To get some Bombas gear, click here: https://www.pjatr.com/t/8-11047-337522-142593Subscribe To Our Newsletter: https://substack.com/@desiretooinspire/postsFollow Dylan and Freddy on Twitter @ItsDThack and @DTIRiteNauMake sure you subscribe to this channel so that you never miss an episode.Be sure to follow on social media @dtiritenau
Welcome to this episode of 20/20 Money! My guest on today's show is Lee Raykovicz, OD, a mortgage broker with Go Rascal Mortgages. On today's episode we dive into what goes into the mortgage underwriting process, how practice owners can get creative when it comes to purchasing their homes, the details on what Physician loans actually are and how they work, how to think about the total DTI ratio when thinking about your mortgage & student loans, and ARM strategy ideas in today's rate environment. As a reminder, you can get all the information discussed in today's conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that's filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. If you're interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” or are interested in learning more about how OD Masterminds creates space for real conversations, real accountability, and real growth, please check out the link in the show notes of this episode to learn more. And with that introduction, I hope you enjoy my conversation with Lee Raykovicz. Resources: 20/20 Money Ultimate Financial Success Masterclass OD Mastermind Interest Form Contact Lee ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!
En este episodio, nos sumergimos en la vía motora más determinante del sistema nervioso humano: el tracto corticoespinal. A través de un recorrido detallado por su evolución, desarrollo, anatomía y función, analizamos por qué esta vía representa la gran apuesta evolutiva por la motricidad fina y por qué su lesión tiene consecuencias tan devastadoras. Hablamos de neurofisiología, de plasticidad, de evaluación con TMS y DTI, de terapias intensivas, neuromodulación, farmacología, robótica y de las posibilidades —y límites— reales de su regeneración tras un ictus. Si te interesa entender en profundidad cómo se ejecuta el movimiento voluntario y qué ocurre cuando esa vía falla, este episodio es para ti. Referencias del episodio: 1. Alawieh, A., Tomlinson, S., Adkins, D., Kautz, S., & Feng, W. (2017). Preclinical and Clinical Evidence on Ipsilateral Corticospinal Projections: Implication for Motor Recovery. Translational stroke research, 8(6), 529–540. https://doi.org/10.1007/s12975-017-0551-5 (https://pubmed.ncbi.nlm.nih.gov/28691140/). 2. Cho, M. J., Yeo, S. S., Lee, S. J., & Jang, S. H. (2023). Correlation between spasticity and corticospinal/corticoreticular tract status in stroke patients after early stage. Medicine, 102(17), e33604. https://doi.org/10.1097/MD.0000000000033604 (https://pubmed.ncbi.nlm.nih.gov/37115067/). 3. Dalamagkas, K., Tsintou, M., Rathi, Y., O'Donnell, L. J., Pasternak, O., Gong, X., Zhu, A., Savadjiev, P., Papadimitriou, G. M., Kubicki, M., Yeterian, E. H., & Makris, N. (2020). Individual variations of the human corticospinal tract and its hand-related motor fibers using diffusion MRI tractography. Brain imaging and behavior, 14(3), 696–714. https://doi.org/10.1007/s11682-018-0006-y (https://pubmed.ncbi.nlm.nih.gov/30617788/). 4. Duque-Parra, Jorge Eduardo, Mendoza-Zuluaga, Julián, & Barco-Ríos, John. (2020). El Tracto Cortico Espinal: Perspectiva Histórica. International Journal of Morphology, 38(6), 1614-1617. https://dx.doi.org/10.4067/S0717-95022020000601614 (https://www.scielo.cl/scielo.php?script=sci_arttext&pid=S0717-95022020000601614). 5. Eyre, J. A., Miller, S., Clowry, G. J., Conway, E. A., & Watts, C. (2000). Functional corticospinal projections are established prenatally in the human foetus permitting involvement in the development of spinal motor centres. Brain : a journal of neurology, 123 ( Pt 1), 51–64. https://doi.org/10.1093/brain/123.1.51 (https://pubmed.ncbi.nlm.nih.gov/10611120/). 6. He, J., Zhang, F., Pan, Y., Feng, Y., Rushmore, J., Torio, E., Rathi, Y., Makris, N., Kikinis, R., Golby, A. J., & O'Donnell, L. J. (2023). Reconstructing the somatotopic organization of the corticospinal tract remains a challenge for modern tractography methods. Human brain mapping, 44(17), 6055–6073. https://doi.org/10.1002/hbm.26497 (https://pubmed.ncbi.nlm.nih.gov/37792280/). 7. Huang, L., Yi, L., Huang, H., Zhan, S., Chen, R., & Yue, Z. (2024). Corticospinal tract: a new hope for the treatment of post-stroke spasticity. Acta neurologica Belgica, 124(1), 25–36. https://doi.org/10.1007/s13760-023-02377-w (https://pubmed.ncbi.nlm.nih.gov/37704780/). 8. Kazim, S. F., Bowers, C. A., Cole, C. D., Varela, S., Karimov, Z., Martinez, E., Ogulnick, J. V., & Schmidt, M. H. (2021). Corticospinal Motor Circuit Plasticity After Spinal Cord Injury: Harnessing Neuroplasticity to Improve Functional Outcomes. Molecular neurobiology, 58(11), 5494–5516. https://doi.org/10.1007/s12035-021-02484-w (https://pubmed.ncbi.nlm.nih.gov/34341881/). 9. Kwon, Y. M., Kwon, H. G., Rose, J., & Son, S. M. (2016). The Change of Intra-cerebral CST Location during Childhood and Adolescence; Diffusion Tensor Tractography Study. Frontiers in human neuroscience, 10, 638. https://doi.org/10.3389/fnhum.2016.00638 (https://pubmed.ncbi.nlm.nih.gov/28066209/). 10. Lemon, R. N., Landau, W., Tutssel, D., & Lawrence, D. G. (2012). Lawrence and Kuypers (1968a, b) revisited: copies of the original filmed material from their classic papers in Brain. Brain : a journal of neurology, 135(Pt 7), 2290–2295. https://doi.org/10.1093/brain/aws037 (https://pubmed.ncbi.nlm.nih.gov/22374938/). 11. Li S. (2017). Spasticity, Motor Recovery, and Neural Plasticity after Stroke. Frontiers in neurology, 8, 120. https://doi.org/10.3389/fneur.2017.00120 (https://pubmed.ncbi.nlm.nih.gov/28421032/). 12. Liu, Z., Chopp, M., Ding, X., Cui, Y., & Li, Y. (2013). Axonal remodeling of the corticospinal tract in the spinal cord contributes to voluntary motor recovery after stroke in adult mice. Stroke, 44(7), 1951–1956. https://doi.org/10.1161/STROKEAHA.113.001162 (https://pubmed.ncbi.nlm.nih.gov/23696550/). 13. Liu, K., Lu, Y., Lee, J. K., Samara, R., Willenberg, R., Sears-Kraxberger, I., Tedeschi, A., Park, K. K., Jin, D., Cai, B., Xu, B., Connolly, L., Steward, O., Zheng, B., & He, Z. (2010). PTEN deletion enhances the regenerative ability of adult corticospinal neurons. Nature neuroscience, 13(9), 1075–1081. https://doi.org/10.1038/nn.2603 (https://pubmed.ncbi.nlm.nih.gov/20694004/). 14. Schieber M. H. (2007). Chapter 2 Comparative anatomy and physiology of the corticospinal system. Handbook of clinical neurology, 82, 15–37. https://doi.org/10.1016/S0072-9752(07)80005-4 (https://pubmed.ncbi.nlm.nih.gov/18808887/). 15. Stinear, C. M., Barber, P. A., Smale, P. R., Coxon, J. P., Fleming, M. K., & Byblow, W. D. (2007). Functional potential in chronic stroke patients depends on corticospinal tract integrity. Brain : a journal of neurology, 130(Pt 1), 170–180. https://doi.org/10.1093/brain/awl333 (https://pubmed.ncbi.nlm.nih.gov/17148468/). 16. Usuda, N., Sugawara, S. K., Fukuyama, H., Nakazawa, K., Amemiya, K., & Nishimura, Y. (2022). Quantitative comparison of corticospinal tracts arising from different cortical areas in humans. Neuroscience research, 183, 30–49. https://doi.org/10.1016/j.neures.2022.06.008 (https://pubmed.ncbi.nlm.nih.gov/35787428/). 17. Ward, N. S., Brander, F., & Kelly, K. (2019). Intensive upper limb neurorehabilitation in chronic stroke: outcomes from the Queen Square programme. Journal of neurology, neurosurgery, and psychiatry, 90(5), 498–506. https://doi.org/10.1136/jnnp-2018-319954 (https://pubmed.ncbi.nlm.nih.gov/30770457/). 18. Welniarz, Q., Dusart, I., & Roze, E. (2017). The corticospinal tract: Evolution, development, and human disorders. Developmental neurobiology, 77(7), 810–829. https://doi.org/10.1002/dneu.22455 (https://pubmed.ncbi.nlm.nih.gov/27706924/).
This week Fred & Dylan talk about a week in the mountains of Tennessee, jazz music, watching dogs a little too closely, and how everything has protein. 0:26 - Dyl & Mandy Updates3:29 - Clarity Found In TN8:26 - Hitting A Bear12:58 - Jazz Music15:37 - A Dog Problem20:40 - Heartfelt Scrolling23:57 - Everything Has Protein Now28:26 - Marathon UpdateTo Support 1st Phorm & DTI shop products here: https://1stphorm.com/DTITo get a pair of Optic Nerve sunglasses for 20% off use this link and code DTI at checkout: http://www.opticnerve.com/DTITo purchase Athletic Brewing Company products follow this link & use code DYLAN20 at checkout for 20% off your first purchase https://bit.ly/3Qj1lkqTo purchase Honey Stinger products, click here: https://honeystinger.rfrl.co/jv3y5To get some Bombas gear, click here: https://www.pjatr.com/t/8-11047-337522-142593Subscribe To Our Newsletter: https://substack.com/@desiretooinspire/postsFollow Dylan and Freddy on Twitter @ItsDThack and @DTIRiteNauMake sure you subscribe to this channel so that you never miss an episode.Be sure to follow on social media @dtiritenau
Techtopia 368: De kinesiske robotter kommerKina er i gang med at sætte sig på verdensmarkedet for robotter. Ikke mindst humanoide robotter. Det er robotter, der ligner og bevæger sig som mennesker og er designet til at arbejde i vores verden på vores præmisser.For nyligt var en kinesisk humanoid robot på besøg i Odense, hvor den blandt andet trykkede hånd med Techtopias udsendte reporter.Teknologisk Institut var vært og udgav ved samme lejlighed en rapport om humanoide robotter. Instituttet ser et stort potentiale i Danmark. Især i brancher med mangel på arbejdskraft som industri, logistik og sundhed. Her kan de humanoide robotter måske kan tage over, hvor menneskehænder mangler. De fleste danske virksomheder afventer dog stadig, at teknologien bliver helt klar. Der er brug for fremskridt inden for blandt andet batterier og finmotorik, før robotterne kan tages i brug for alvor.Techtopia trykker hånd, læser rapporten og sætter det hele ind i et robothistorisk perspektiv.I studiet: Henrik Føhns og Albert NyelandMedvirkende:Søren Peter Johansen, robotekspert, DTIChristina Boutrup, journalist med speciale i KinaLinks:Teknologisk Udsyn om humanoide robotter https://www.teknologisk.dk/teknologiskudsyn#:~:text=UdsynHumanoide%20robotter%3A-,Når%20robotterne%20ligner%20mennesker,sundhed%20til%20service%20og%20logistik.Unitree https://www.unitree.com/g1
This week Fred & Dylan talk about race week, have depth and intentionality in conversation, and the old "wait til you're my age" excuse.0:26 - 70.3 Race Week2:24 - It's About The Story7:27 - Depth & Intentionality13:33 - The Journey To An Ironman Start Line21:10 - "Wait Til You're My Age"To Support 1st Phorm & DTI shop products here: https://1stphorm.com/DTITo get a pair of Optic Nerve sunglasses for 20% off use this link and code DTI at checkout: http://www.opticnerve.com/DTITo purchase Athletic Brewing Company products follow this link & use code DYLAN20 at checkout for 20% off your first purchase https://bit.ly/3Qj1lkqTo purchase Honey Stinger products, click here: https://honeystinger.rfrl.co/jv3y5To get some Bombas gear, click here: https://www.pjatr.com/t/8-11047-337522-142593Subscribe To Our Newsletter: https://substack.com/@desiretooinspire/postsFollow Dylan and Freddy on Twitter @ItsDThack and @DTIRiteNauMake sure you subscribe to this channel so that you never miss an episode.Be sure to follow on social media @dtiritenau
El pla unificat per preservar el Delta de l’Ebre estarà enllestit al setembre. El municipi de Deltebre ha iniciat el pla d’acció per esdevenir Destinació Turística Intel·ligent (DTI). Els esportistes camarlencs Maria Campanals i Roger Espuny de Club Twirling l’Ametlla de Mar han brillat amb la seua participació en el Campionat d’Espanya de Twirling Artístic, disputat a l'Alcora els dies 10 i 11 de maig.
Rent To Retirement: Building Financial Independence Through Turnkey Real Estate Investing
This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrHEMLANE:Find better, more transparent property management with Hemlane at https://www.hemlane.com/lp/rent-to-retirement/ In today's market, defaulting to a conventional loan might be costing you more than you think.Adam Schroeder breaks down the pros, cons, and overlooked opportunities in investor financing. From DSCR loans that boost flexibility and asset protection to interest-only products that improve cash flow and lower entry costs — this episode walks you through how to match the right loan with your real estate strategy.You'll also hear why prepayment penalties aren't always a bad thing — and how you can use lender incentives to your advantage when buying turnkey rental properties.If you're building a portfolio in 2025, don't skip this one.⏱ Timestamps:00:00 – Intro: What most investors get wrong about loans00:45 – Why conventional loans aren't always the best fit01:22 – What is a DSCR loan & how it helps real estate investors02:30 – Entity ownership, DTI benefits & DSCR flexibility03:35 – DSCR vs. Conventional: Rates and cash flow04:24 – Interest-only loans: how they work and who they benefit05:40 – 2008 vs. now: why interest-only isn't a red flag today07:00 – Prepayment penalties explained: risk or reward?13:35 – Hidden incentives for turnkey property buyers
Rent To Retirement: Building Financial Independence Through Turnkey Real Estate Investing
This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrHEMLANE:Find better, more transparent property management with Hemlane at https://www.hemlane.com/lp/rent-to-retirement/ In today's market, defaulting to a conventional loan might be costing you more than you think.Adam Schroeder breaks down the pros, cons, and overlooked opportunities in investor financing. From DSCR loans that boost flexibility and asset protection to interest-only products that improve cash flow and lower entry costs — this episode walks you through how to match the right loan with your real estate strategy.You'll also hear why prepayment penalties aren't always a bad thing — and how you can use lender incentives to your advantage when buying turnkey rental properties.If you're building a portfolio in 2025, don't skip this one.⏱ Timestamps:00:00 – Intro: What most investors get wrong about loans00:45 – Why conventional loans aren't always the best fit01:22 – What is a DSCR loan & how it helps real estate investors02:30 – Entity ownership, DTI benefits & DSCR flexibility03:35 – DSCR vs. Conventional: Rates and cash flow04:24 – Interest-only loans: how they work and who they benefit05:40 – 2008 vs. now: why interest-only isn't a red flag today07:00 – Prepayment penalties explained: risk or reward?13:35 – Hidden incentives for turnkey property buyers
Trax Took Birth in October 1985 as a pirate radio station broadcasting from the north circular road in a caravan. The station was called "D.A.D",(abbreviated as Davinder,Amir,David). After a DTI bust,(or 3!), the name changed from D.A.D to a mobile disco name,(Trax Mobile Disco),to TRAX FM. The time was 1986,and what fun we had. New DJ's joined,Mickey,Ritz,The Pacman,The Captain & DJ Danny). Trax also had "live" phone in's and requests on air! We hope to bring some fun back to you over the internet. Anything good will be played. Whether that be House,Hip Hop,Electro,Soul,Jazz,Funk,Disco,Soca,Reggae/Chutney..whatever. Also the live debates returns! Enjoy! www.traxfm.org
This week Fred & Dylan talk about their vastly different sauna experiences, breathwork, and try beets for the first time.0:26 - Sauna Stories10:59 - Trying Beets17:17 - Breathwork21:02 - Settle In28:40 - Obsessed AgainTo Support 1st Phorm & DTI shop products here: https://1stphorm.com/DTITo get a pair of Optic Nerve sunglasses for 20% off use this link and code DTI at checkout: http://www.opticnerve.com/DTITo purchase Athletic Brewing Company products follow this link & use code DYLAN20 at checkout for 20% off your first purchase https://bit.ly/3Qj1lkqTo purchase Honey Stinger products, click here: https://honeystinger.rfrl.co/jv3y5To get some Bombas gear, click here: https://www.pjatr.com/t/8-11047-337522-142593Subscribe To Our Newsletter: https://substack.com/@desiretooinspire/postsFollow Dylan and Freddy on Twitter @ItsDThack and @DTIRiteNauMake sure you subscribe to this channel so that you never miss an episode.Be sure to follow on social media @dtiritenau
Rincón de la Victoria ha renovado la obtención del distintivo de Destino Turístico Inteligente Adherido al programa DTI promovido por la Secretaría de Estado de Turismo tras superar favorablemente el diagnóstico del proceso de revisión. Se trata de un nuevo reconocimiento, que tiene una validez de dos años, “tras superar un proceso de mejora continúa en el que venimos trabajando para cumplir con los objetivos, estrategias y una adaptación a las necesidades del entorno futuro”, explica el concejal de Turismo, Antonio José Martín (PP). El alcalde de Rincón de la Victoria, Francisco Salado (PP), ha mostrado su máxima satisfacción “por renovar este distintivo, que demuestra nuestro compromiso de ejercer una gestión turística basada en la inteligencia, tomando como base el modelo DTI”. Además, Salado ha recordado que “la implantación de la metodología DTI ha sido posible gracias a la colaboración de todas las Áreas del Ayuntamiento de Rincón de la Victoria”. Durante los últimos meses se ha analizado la evolución del destino desde el primer diagnóstico realizado en 2021. La revisión se ha efectuado a través de la metodología DTI vigente, compuesta por un total de 97 requisitos y 261 indicadores. El diagnóstico desarrollado ha derivado en un nuevo informe en el que se expone la situación del destino y las recomendaciones que componen el plan de acción con el que Rincón de la Victoria podrá seguir mejorando en términos de gestión turística a través de los cinco ejes que sustentan el modelo DTI: gobernanza, sostenibilidad, tecnología, innovación y accesibilidad. La conclusión de la revisión del diagnóstico da continuidad a la fase de ejecución y seguimiento, con la que se permite verificar que se mantienen los estándares marcados por la metodología y se garantizan así, los objetivos perseguidos por el programa DTI. Rincón de la Victoria está integrado en la Red de Destinos Turísticos Inteligentes desde septiembre de 2020, muestra de la apuesta del destino por su transformación turística que ha materializado a través de la implantación de la metodología de Destino Turístico Inteligente. Programa Destino Turístico Inteligente El programa Destino Turístico inteligente es un proyecto promovido por la Secretaría de Estado de Turismo (SETUR) y gestionado por la Sociedad Mercantil Estatal para la Gestión de la Innovación y las Tecnologías Turísticas (SEGITTUR), que persigue contribuir a mejorar la competitividad de los destinos turísticos y la calidad de vida de sus residentes incidiendo en cinco ámbitos de actuación: gobernanza, innovación, tecnología, sostenibilidad y accesibilidad. Esta iniciativa, surgida del Plan Nacional e Integral de Turismo 2012-2015, genera los mecanismos adecuados para facilitar la rápida incorporación de innovaciones en los destinos. El Destino Turístico Inteligente se define como un destino turístico innovador, consolidado sobre una infraestructura tecnológica de vanguardia, que garantiza el desarrollo sostenible del territorio turístico, accesible para todos, facilitando la interacción e integración del visitante con el entorno e incrementando la calidad de su experiencia en el destino y la mejora de la calidad de vida del residente. Para alcanzar estos objetivos, el programa DTI promueve la implantación de un modelo de gestión que tiene en cuenta la transversalidad de la actividad turística y las características diferenciadoras de cada destino. Se articula sobre una metodología de diagnóstico, basada en 97 requisitos y 261 indicadores, que deriva en un sistema de recomendaciones, un plan de acción y un sistema de monitorización, que conforman los elementos fundamentales del modelo, permitiendo un proceso de mejora continuo de la gestión del destino adaptada a los retos presentes y futuros del turismo.
Co vlastně znamená, když banka posuzuje bonitu klienta?
Tonight we hear from DJz on the DTI Debacle and examine why the DTI faction store changes may have been not as necessary as Scopely believes. HOWEVER, there are points and counter points within the show with the last hour being the most lively in debate. This is a can't miss show and we encourage you to ingest every min of this highly educational and controversial show!
This week Fred & Dylan talk about endurance unlocks, the importance of trying new things and how everyone has a story.0:26 - Endurance Unlocks9:59 - Try New Things14:58 - Updates On The Ritenauer Fam22:07 - Consistency Can Look Boring33:34 - Document and Share Your StoryTo Support 1st Phorm & DTI shop products here: https://1stphorm.com/DTITo get a pair of Optic Nerve sunglasses for 20% off use this link and code DTI at checkout: http://www.opticnerve.com/DTITo purchase Athletic Brewing Company products follow this link & use code DYLAN20 at checkout for 20% off your first purchase https://bit.ly/3Qj1lkqTo purchase Honey Stinger products, click here: https://honeystinger.rfrl.co/jv3y5To get some Bombas gear, click here: https://www.pjatr.com/t/8-11047-337522-142593Subscribe To Our Newsletter: https://substack.com/@desiretooinspire/postsFollow Dylan and Freddy on Twitter @ItsDThack and @DTIRiteNauMake sure you subscribe to this channel so that you never miss an episode.Be sure to follow on social media @dtiritenau
DTI - 20 años de Youtube: Repasamos algunos de los hitos de este camino by En Perspectiva
This week Fred & Dylan talk about men wearing engagement rings, how much it costs to run an ironman, getting uncomfortable and how mindset is a choice.0:26 - Male Engagement Rings4:24 - Fred Comes Clean8:00 - The Cost Of Becoming An Ironman19:18 - Get Uncomfortable26:09 - Mindset Is A ChoiceTo Support 1st Phorm & DTI shop products here: https://1stphorm.com/DTITo get a pair of Optic Nerve sunglasses for 20% off use this link and code DTI at checkout: http://www.opticnerve.com/DTITo purchase Athletic Brewing Company products follow this link & use code DYLAN20 at checkout for 20% off your first purchase https://bit.ly/3Qj1lkqTo purchase Honey Stinger products, click here: https://honeystinger.rfrl.co/jv3y5To get some Bombas gear, click here: https://www.pjatr.com/t/8-11047-337522-142593Subscribe To Our Newsletter: https://substack.com/@desiretooinspire/postsFollow Dylan and Freddy on Twitter @ItsDThack and @DTIRiteNauMake sure you subscribe to this channel so that you never miss an episode.Be sure to follow on social media @dtiritenau
This week Fred & Dylan talk about refusing to settle, prioritizing and sticking to the plan, and Fred's upcoming Iron Man and the race environment he expects. they also bring up what may be a pretty controversial initiative; bring back bullying.0:26 - Staying Productive5:17 - Where's The Focus?8:28 - Everyone Should Have A Coach12:42 - Bring Back Bullying17:03 - Stop Settling22:31 - Race Energy & CommunityTo Support 1st Phorm & DTI shop products here: https://1stphorm.com/DTITo get a pair of Optic Nerve sunglasses for 20% off use this link and code DTI at checkout: http://www.opticnerve.com/DTITo purchase Athletic Brewing Company products follow this link & use code DYLAN20 at checkout for 20% off your first purchase https://bit.ly/3Qj1lkqTo purchase Honey Stinger products, click here: https://honeystinger.rfrl.co/jv3y5To get some Bombas gear, click here: https://www.pjatr.com/t/8-11047-337522-142593Subscribe To Our Newsletter: https://substack.com/@desiretooinspire/postsFollow Dylan and Freddy on Twitter @ItsDThack and @DTIRiteNauMake sure you subscribe to this channel so that you never miss an episode.Be sure to follow on social media @dtiritenau
This week Fred & Dylan discuss outside noise, comparing to others, and recap their most recent race.1:10 - Take A Second To Breath3:27 - Some People Can't See Your Growth8:41 - Worrying About Other People15:12 - It's Not That Deep20:56 - Race RecapTo Support 1st Phorm & DTI shop products here: https://1stphorm.com/DTITo get a pair of Optic Nerve sunglasses for 20% off use this link and code DTI at checkout: http://www.opticnerve.com/DTITo purchase Athletic Brewing Company products follow this link & use code DYLAN20 at checkout for 20% off your first purchase https://bit.ly/3Qj1lkqTo purchase Honey Stinger products, click here: https://honeystinger.rfrl.co/jv3y5To get some Bombas gear, click here: https://www.pjatr.com/t/8-11047-337522-142593Subscribe To Our Newsletter: https://substack.com/@desiretooinspire/postsFollow Dylan and Freddy on Twitter @ItsDThack and @DTIRiteNau
Keith discusses the shift from a six-figure to a seven-figure income being necessary for a comfortable lifestyle and argues that a $5 million net worth is a minimum for financial security. He explains the benefits of leveraging a car loan for arbitrage, using a 3.99% interest rate to invest in real estate with a 20-25% total return. He also discusses the current state of the real estate market, noting that home prices and rents are expected to increase by 3-5% annually. Lower mortgage rates could increase affordability and bring more buyers into the market, potentially leading to higher home prices. Two-bedroom rents have increased by 3.7% nationwide, with significant growth in Nebraska metros. Resources: Get our wealth-building newsletter free— text ‘GRE' to 66866 Show Notes: GetRichEducation.com/548 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Automatically Transcribed With Otter.ai Keith Weinhold 0:01 Welcome to GRE. I'm your host. Keith Weinhold today, why earning a seven figure income is the new six figures? Then a discussion on the direction of real estate prices and rents. I just bought a car though I could have paid all cash. Why did I get a loan instead? Then learn about how to perform due diligence on buying an income property with the pros and cons of turnkey real estate investing and the mistakes you must avoid today. On getricheducation. since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show, guess who? Top Selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com Corey Coates 1:20 You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 1:36 Welcome to GRE from the first State of Delaware to the 50th state of Hawaii and across 400 nations worldwide. I'm Keith weinholden. This is get rich education, the voice of real estate investing Since 2014 Are we really gonna change the name away from the Gulf of Mexico? Well, I'll tell you one thing. There is zero history of hurricanes in the Gulf of America, therefore, I expect the appropriate adjustment to my insurance premiums big savings. Hey, you know, despite being a geography guy, I'm really not emotionally invested in this movement to change the names of giant pieces of real estate like Denali back to Mount McKinley and the Gulf of Mexico to the Gulf of America. It's only a little interesting to me. I mean, there are just more significant things to concern oneself with. So call it either one. I don't care. I know what you're talking about. Before we talk real estate, let's discuss your personal finances. I recently watched Dr Steven Franson speak surfacing this topic, and it got me thinking, when it comes to annual income, is you earning seven figures like the new six figures. Now, I guess that earning six figures could still be a short term goal to some people that are new to the working world, but maybe as little as a decade ago, having a six figure income was aspirational, or even a sign that you made it, or could even feel wealthy. I remember that today that is so far gone. Now, of course, it depends on where you live, but today, you need 50k just to survive. Your housing would be pretty standard in that case, and I don't know that you could get much fresh, healthy food at 50k per year, you might still have to be living with your parents. You need 100k just to sort of live. Perhaps that's if you're single and you're near the coasts, or you're married without children today, you need 200k for a life with travel and some dining out. I mean, you couldn't really even ball out on your vacations, like on 200k you're gonna balk at 500 bucks a night for a resort hotel. I mean, you're staying at more of a hotel than a resort, but at 200k of income, you can usually do some discretionary spending. At 300k in a lot of places, that's what a full family needs, a household with kids in order to live a little bit beyond that, and that's a combined income both spouses. If you make 450k today, now you're able to travel pretty well. You're probably still flying coach more than first class at 450k you may or may not be paying for the airline lounge, but you are staying at some comfy hotels. You really need to make $1 million a year today to live pretty close to all out fly first class travel well. But you're still flying commercial on a million dollar salary. You're not chartering anything. If that has not bought you time to cook, you can afford an executive chef with a million dollars so that you don't have to eat restaurant food. You know, restaurant food, even at finer restaurants, is laced with seed oils. This is why what used to be a six figure lifestyle is now a seven figure lifestyle. My spin here on this also is whatever you do at any income level, 50k a year to a million bucks a year or more, buy enough time to exercise that's something that's going to matter both to you and to those that you love over the long term. All right, so that's income. How about when it comes to net worth? There is a minimum amount in my mind that you need to have in net worth for me to say that you've got it made in America today. What do you think that number is? How about that? What do you think is the threshold? What's your thought? It is $5 million that is just a starting point, a minimum net worth that you need, if you just invested that you could probably live off its income for the rest of your life. For most people, compound interest will not get you to the $5 million net worth Mark anytime soon. Only leverage will. But yeah, after the COVID induced wave of inflation years ago, you've gotta recalibrate what you think of as a lot of money, and some people haven't caught up with this still. Now, I was on that great riverboat tour of Chicago not long ago. I think I brought this up to you in a previous episode, but you know, one thing that struck me as odd was that the tour guide, he was describing Chicago skyscrapers and the architecture around us, and he said they poured millions into that project. I mean, really emphasizing that millions were spent. I mean, today millions can mean as little as 2 million. That's an amount so tiny today for a construction project that what is that like, four average homes would be $2 million I mean, some entire counties in the Bay Area have a median home price of more than $2 million just one mediocre home. So let's talk about the direction of home prices and rents nationally here. Now I do not think that home prices or rents can really climb a whole lot over the next year, like 10% appreciation. I don't see it now. I also don't see how home prices and rents could fall substantially. The reason that prices cannot spike dramatically, it's still due to an affordability constraint, and I don't expect that prices or rents are going to fall a good bit either, or really fall significantly at all, because housing demand still exceeds supply. So that's the constraint on the downside. Really, nothing has changed there. The average for sale home today, it gets between two and a half and five offers that obviously depends on the area, so you keep seeing both prices and rents increase at this range of three to 5% that's the zone that we're in now, and we've been in that zone for most of the last Two years. Really pretty modest, not exciting, appreciation rates. Zumper tells us that two bedroom rents are up 3.7% nationwide. Rents have actually declined in some Sunbelt cities, Durham, North Carolina and Nashville are some big losers I was describing Austin to you a few weeks ago. Do you know that two national leaders in rent growth are both in the same state. Yes, these two cities are both up more than 20% in rents year over year. It's in the Midwest. Any idea where I'm talking about it is Lincoln and Omaha, Nebraska both up over 20% and perhaps recent GRE listener guest grant Frankie is happy about that. He's the only person I know that invests predominantly in Lincoln, and this is due to strong job growth and also that supply that still hasn't kept up with demand. Now back to my point about how nationally, both rent growth and price growth are still pretty modest, which is still a highly profitable formula for a leveraged investor that bought right But historically, it is kind of boring. Many believe that as soon as mortgage rates fall sharply, and a lot of surveys show this, if. That five and a half percent is the magic mortgage rate level that will increase affordability so much that home prices will soar. I'll tell you my spin on that is maybe even that remains to be seen from listening to me for 10 and a half years now, you know that the direction of the economy has a substantial effect on housing, rents and prices, a force bigger than just mortgage rates. And when mortgage rates fall and other interest rate types fall, that usually means that the economy needs the help, which might mean that employment is down. If employment falls, home prices can still rise. They usually do, but perhaps not as much as you thought they would. So my point is, is that when mortgage rates fall significantly, that does not automatically translate into soaring price growth. Again. You gotta take history over hunches. If there's one thing that feels a little different in this cycle though, it's that we do have this palpable amount of pent up housing demand, so lower rates really could bring a lot more buyers off the sidelines. So therefore, it is possible that home prices will soar if rates really plummet. It is just not axiomatic. Now I just bought a new car, though I could have paid all cash. I chose to get the loan. And before I tell you about why I considered not getting a car at all and just using Uber Lyft ride sharing services forever. But sometimes I like to go off the beaten path and trek in some remote places. So that just wouldn't work. I also travel a good bit, and I considered not owning any car that's tethered to just one place. It's just not that efficient. But it came down to freedom. I enjoy my freedom and autonomy to hop in my own car and drive it on a whim. Though I could have paid all cash for this new car purchase, I chose to put the minimum amount down, and I got a loan for about 95% of the cost of the car. Why would I do that? Car debt is surely not as good as real estate debt. With car debt, I have to repay my own loan. I cannot outsource these car debt payments to tenants, and the payment is about $900 a month. I'll have to pay all of that myself. Also, unlike real estate, a car is a depreciating asset. Unlike mortgage interest, car loan interest is typically not tax deductible either. I'm not going to rent this car out through Toro and try to get an income stream off the car. Nothing like that. So this might sound like three strikes against a car loan. I've got to make the payment myself. It's declining in value, especially as a new car. It starts depreciating fast as soon as I drive it off the lot, and I'm not going to have any tax breaks. Oh, come on. I mean, that might sound like bad debt to a lot of people. Leading GRE I am a staunch advocate for good debt. So why did I embrace a car loan to the maximum leveraged amount? Because I am making my car loan good debt. The definition of good debt is debt that makes money for you. Car loan debt is secured, meaning there is underlying collateral, the car itself. And by the way, credit card debt is an example of unsecured debt. The big reason, though, is the financing through the dealership BMW is a 3.99% interest rate for five years, my credit's perfect. So I got a good rate there. Therefore this car loan is a simple arbitrage play. I'm borrowing at a lower rate to invest at a higher rate. Look, even if my car loan rate were double 8% I would probably still get this car loan, but it's 3.99How do I have confidence that I'm going to beat that on an annualized basis over the next five years? Well, first future inflation expectations are elevated, like I touched on on last week's show, if true, inflation the real diminished purchasing power of your dollar over the next five years is 4% I mean, that's a break even for me, right there already, but I'm gonna do a lot better than that. As a real estate investor, I know that instead of sinking this money into the car, that's enough of a down payment for a rental single family. Home or almost a low cost duplex, and being cognizant that real estate pays five ways, I expect a minimum of a 20 to 25% total rate of return with low risk. Now, if you're a new listener, that last part sounded far fetched. I know that's okay. You just don't know how to calculate your ROI for an income property with a loan. Yet another way to describe my strategy here is though I could pay cash, why would I tie up that many funds in a car? So I'm cognizant of opportunity cost. Opportunity cost means that you're missing out on a greater benefit when you choose one option over another. This loan approach also keeps me more liquid. Look, keep your money. Don't give it to a bank. Make your bank take five years to get all the money, while my $900 monthly payment stays fixed the whole time as inflation just keeps relentlessly debasing the bank's payment that they get from me. I mean, with that part, it works the same way as it does in real estate or any fixed rate loan that you could get. Be mindful, by paying all cash, you would not improve your net worth at all. Nothing happens to your net worth. Paying all cash reduces both your asset column and your debt column by the same amount, and it hurts your liquidity. Now, if you've got an emergency, you could be in a case where all of your funds would be gone if you paid all cash, they're inside the car, and you might not be able to extract them back out. All right. Well, what about the depreciating asset part of this equation? That's what most cars are. Well, just like a piece of real estate, your car's value will rise or fall regardless of your equity position. That doesn't influence it at all. So I will be underwater on the car. That's a way that some people might look at it. That means that I'm going to owe more on the balance than the car is worth. That appears irresponsible to some people. Well, yeah, that just means that the bank's money is tied up in the car, not mine. I've got it off giving me a good return. Look, when you have loans, you have another type of leverage, and it's not the mathematical type that I often discuss here. I mean, have you ever owed a friend money when something untoward happens? Who is motivated to talk between the two of you? You are your friend, your friend. They're going to be the one that's willing to work with you and help you out. They've got to give you levers when there's a mal apropos occurrence and the borrower loses their job or has a medical disaster and a huge bill, the person that's owed the money is always going to keep communication lines open with you, you as the borrower, are the one that is in control. Keep your debt on, keep your own money, stay in control. And how is this car loan making money for me, if I get a, say, 23% total return from income property and keep paying a 4% car loan, that is 19% arbitrage, I mean, what an easy choice. Again, the definition of good debt is debt that is used to increase your wealth. So getting the Max car loan allows me to avoid paying that opportunity cost of having all the funds tied up in a depreciating asset. And that is how a real estate investor buys a car. Now you're a smart investor. I mean, we have a really wise, responsible audience comprised of people just like you. But what would be some reasons that a real estate investor should pay all cash? Because there are some, and a lot of them revolve around, if you're financially irresponsible, if instead you got a car loan so you could stay liquid and maintain your life as a profligate and reprobate gambling degenerate and lose it all on sports gambling through the freaking Draft Kings and FanDuel apps. Okay, that's not a good reason. But as a GRE listener, that probably is not you. I was probably not talking about you, right. There another reason to pay all cash rather than getting the loan like I have, is if you don't have the liquidity to service the 900 Dollar monthly debt payment yourself, you could be over leveraged. See the chunk that I'm investing in real estate instead of the car that real estate will produce income for me, but it actually will not produce as much as $900 in cash flow to fully offset the car payment. Now it's going to produce a few $100 but my arbitrage is being created with the summation of all of real estate's five profit centers. I've got the whole shebang now, the leverage appreciation, the cash flow, the ROA, the tax benefits and the inflation profiting all coming at you. All five. My liquidity comes from elsewhere. A third reason why a real estate investor would want to pay all cash for a car is because say that you would effectively be forced to pay all cash for the car. Because if you took on a $900 monthly payment, that would dent your mortgage loan qualifications, debt to income ratio that mortgage loan underwriters are going to look at it would hike up your DTI so much that you couldn't qualify for future income property loans. So right, there are, what was that? Three reasons that a real estate investor would want to pay all cash if they could. But let's not lose the bigger point I was talking about the exceptions there. The bigger point is that consider getting the maximum loan for your next car, or even getting a loan against your current car if you already have one without any debt on it. It's actually a rational approach, because you want to consider the loan first, since this is your money, you earned it, approach it with the strategy first of keeping your own money that you traded away your finite life's time for. Think of keeping it first and only then consider giving it away next. I am getting the biggest car loan that I can and making the minimum monthly payments all 60 months five years, I did the same thing with my last car. It is an easy choice for me in just one word, it is for the arbitrage one word, most experienced financiers and real estate investors have not been exposed to those ideas that I just shared with you, and at the least, I am confident that I just gave you something to chew on mentally. There I've been talking about the intersection of your personal finances and real estate investing. Today, I'm your host, Keith Weinhold here on episode 548 of the get rich education podcast what have GRE listeners been doing these past few weeks, they have been scooping up BRRRR properties, employing the buy, renovate, rent, refinance and repeat strategy fueled by GRE 's recent live event. You can watch the video of the event on demand right now, get an understanding of the strategy, see why it's so lucrative, and if it interests you, even get you paired up with actual property addresses conducive to the strategy. You can do that at GRE webinars.com this event can indelibly elevate your entire socio economic class and shape your legacy. That is a deep statement. Hey, this is what 8x leverage and $500 plus of cash flow on each single family rental property can do for you with the burr strategy in Cleveland. I mean, how much earlier will this allow you to retire? The event is free to watch. You can watch from home. I mean, come on, what else are you going to do at home tonight? Spend that time cleaning out your closet or smoking meats. Maybe at least, spend that time getting a car loan. What's the opportunity cost of you smoking meats tonight when you can actionably Build a real estate legacy with the BRRRRstrategy? Strategically outsource the meat smoking to somebody else. That's what I do. It does not take much to get started. These pre renovated homes are often about 60k some GRE followers have already bought two or three at a time. You'll see Jerry's investment coach Naresh and event co host Phil. I mean, just watching him talk is amazing. Phil is America's preeminent authority on burr real estate investing. Again, you can watch the event right now, and I don't know how long we'll keep it up for, just visit GRE webinars.com Next fatal mistakes that you've got to avoid when buying income property with some vital due diligence tips. I'm Keith Weinhold. You're listening to get rich and. Vacation. You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it. If I wasn't invested myself, you can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom, family investments, liquidity fund, again. Text family to 66866 Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Chaeli Ridge personally. Start Now while it's on your mind at Ridge lending group.com that's Ridge lending group.com Robert Kiyosaki 26:49 this is Rich Dad, Poor Dad. Author Robert Kiyosaki, listen to get rich education with Keith Weinhold. And the reason I respect Keith, He's a very strong, smart, bright young man. Keith Weinhold 27:10 Welcome back to get rich Education. I'm your host. Keith Weinhold, it's been a while, but I know that I shared with you before that my first ever out of state rental property that I bought ended up being a loser, and this is despite the fact that the turnkey provider and property manager that I was hiring for the property, they even told me not to buy the property because they couldn't keep it occupied in that neighborhood, and they told me to buy a different one instead. I didn't listen. I bought it anyway, and I lost we couldn't keep it occupied, so after a few years, I sold it to an owner, occupant, family for a small profit, but it was after years of negative cash flow, so there really wasn't any profit there, because, like I just said, we couldn't keep it occupied with a rent paying tenant that was back in 2012 near Fort Worth Texas. I bought it because it was cheap, just 153k and it looked pretty. It was brick. Those are both bad reasons to buy. Cheap doesn't always mean good. And the fact that a property looks pretty, I mean, I guess that's a somewhat good thing, but it should not be a deciding factor. I was never going to live there facts Trump feelings in investing. So my first bad experience was totally avoidable. I can only blame myself. Let me tell you about some other fatal mistakes to avoid, as we talk about some turnkey real estate investing due diligence. Since turnkey means all done for you, or another way to describe the property is a rent ready property. You know that word turnkey? It's sort of this compelling, even seductive buzzword, and it just might make you think that, ah, everything is just handled now and forever. It's gonna sail along just fine. No, it won't. Now, this is the type of investing that can change your life. This is the real estate pays five ways. Compound leverage Trumps compound interest, type of vehicle. Financially free beats that free type of vehicle. You're winning the inflation Triple Crown all those great, formulaic GRE mantras, but you better check to make sure before you get too far into it. And that's why we're talking about vital due diligence here. I think you know by now that turnkey, it means a property that's really just got three things. It's already renovated or new. Secondly, has a tenant in it, and it has professional property management from day one. Now, the property providers at GRE marketplace, they are some of the good ones. They have good reputations. Many have been in business for a long time, but some others do not. So what about a provider? Provider that's in, say, Oklahoma, but you live out of the area on one of the coasts, and this Oklahoma provider, they're trying to pass off a property in Oklahoma City or Tulsa to you, it's actually in a class D neighborhood the worst. And they're sort of presenting it like it's a Class B minus neighborhood, right? How can you hedge against that? How can you know that things are not being misrepresented to you? Well, of course, everyone knows about Google Street View. You're probably going to look at that first that's going to tell you about the street scene. It's free to use a paid service that gives you neighborhood analytics. Is it neighborhoodscout.com you want to verify crime rates in areas, income levels, poverty levels, education levels and school quality to make sure that the property characteristics are what you are being told, and some of those attributes always matter with property. I mean, crime rates matter because even though you're not living there so you're not going to be able to retain respectable rent paying tenants that would tolerate a high crime neighborhood. Understand, though, that not all crime data is the same. Violent crime is probably the worst shoplifting, I'll call that in the middle. And then most traffic violations, they're light crimes. Now, if you're buying a single family rental type, of course, the quality of the school district, well, that's going to matter more than if you're buying a building of little efficiency apartments where the school district hardly matters there, because you're not catering to families. I've mentioned before that we go look.com. Is a service where you can hire an independent inspector, not even a real estate related person, necessarily, but just an independent on the ground inspector to just go check out a neighborhood at any hour of the day or night. Now, if you have any question about the out of state neighborhood that you're buying in an easy way to get a check on the decency of the neighborhood is something really simple. Make sure the turnkey provider owns properties in the area that they're selling to you. This helps ensure that they're not offloading their problem properties onto you. That's something that's probably only going to happen with an inexperienced provider that doesn't have a reputation to protect yet. But when it comes to neighborhood quality, once I'm pretty serious about buying a property, do you know who I usually get reliable information from? And it's virtually free, and you're contacting this party anyway, so it's so easy for you that is just simply ask your property inspector. I mean, you always want that independent, certified Property inspector to walk inside every room of your prospective purchase, and they make that punch list for your seller before you close that's on either a renovated or a new build property always get that inspection. I've talked about that before, and that often costs $500 or less on a single family home, and today it's about $800 or less on a duplex, well before my inspector even checks out the place. I like to let them know that I live outside the area, and I want their insight on the neighborhood as well. I mean, inspectors live locally there, so they'll probably be able to give you a good answer before they even do your physical inspection. They already know the area really well, and it doesn't even cost you any more above your normal inspection cost to just get a little on the ground intelligence. And of course, your inspector works for a company independent of your property provider, so their information should be unbiased. They work for you. Now after the inspection, how about your appraisal and some due diligence with that, what if your appraisal comes in low. Everyone wants to talk about if your appraisal comes in high, that's instant equity that you have, but see if the appraisal comes in low with a turnkey property where everything was renovated, that may or may not be a problem, because the comparables that were used for your valuation, they don't have everything renovated in them like your property does. So the subject property, the one that you've got under contract to buy that could very well have a lot of say, new plumbing, electrical, HVAC, the roof, bathrooms, paint, flooring, lighting, kitchens. I mean, most, or all of those components could be new in yours. It's common for yours to have all those components, and then the comparables do not have those now, you and your seller, you will have to negotiate on who's going to close the appraisal gap. I've discussed that part on a previous episode, but I'm point. Out how you can still be getting value even when your appraisal is low and it's worth it. Down the road, you're going to have less maintenance headache than your appraisal comparables will most of the time. Turnkey properties are renovated to cover major systems, and that means you do not have major expenses. Soon these expenses get wrapped into your mortgage payment, and that's a lot better for you than coming out of pocket three years later to replace an entire roof. Another thing to keep in mind is that a property provider that's been in business for a lot of years, they do not have interest in selling you a lemon of a property and hurting their reputation, but that seller does have a little interest in getting the maximum dollar. I mean, that's almost intrinsically natural in human beings. I mean, everyone has that motivation, just like you do when you sell your property down the road. So these rent ready or turnkey properties, they're almost always better if you're a busy professional or you just want to spend your time doing something else. I mean, I think that's a pretty well established concept in the investing industry, but I really think these rent ready properties, they are better for even more people than just busy professionals. I mean, consider the alternative, if you try to screen and identify a property yourself and do all the rehab and manage the contractors. I mean, first of all, you can be dealing with a hard money loan where you're paying four or five points plus a 12% interest rate, since that's all that's available for distressed properties, and unless you have experience managing contractors, oh, boy, you could have construction timelines that go over by several months. Well, now that can eat a huge portion of your investment that you thought you were making. You're paying 12% and you have no tenant all this time, but instead, when you buy a rent ready property, and you've got the best mortgage rates and terms from day one, and you've got a rent paying tenant from day one, and not all these headaches and time lost and contractors are trying to manage with turnkeys at GRE marketplace, those rehabs are done by crews that work full time for the turnkey provider, so they work at more affordable rates than what you could get as an out of state buyer if you're trying to patch together contract and crews yourself. So at scale GRE marketplace providers, they're also dealing with the same material types over and over again, so they're faster at doing it. The materials are also reliably sourced. You won't have the 10s or hundreds of hours managing all this, checking with the rehabbers, checking for quality control, making sure the amount of work that you were paying for was actually done. I mean, some people listen to this show and they had that real estate pays five ways, epiphany, that big light bulb moment, but then they try to do this rehabbing and investing themselves to save a few dollars, is what they thought, and it's rarely worth it. So avoid the massive time commitments with all this. I mean, you're also going to be doing other things, coordinating inspections and permits with city municipalities. I mean, what a nightmare. GRE marketplace providers, they've already done all of that for you and more now that you've bought the property, all right, what about the potential for poor management? Choosing your property manager is of utmost importance, because that person or firm, they're going to vet your tenants, handle the repairs, collect your rents and take care of any other issues at your rental property. They'll understand the local landlord and tenant law, you're going to be seeing the property infrequently, if you ever see it at all, so keeping an eye on things becomes key. Now, once you own the property and you have the tenant in there, there is always the potential for your property manager to do a poor job, costing you money, making your investment less lucrative, I like to ask my manager if they do regular property inspections, like getting inside the unit every six months. Now, you can read online reviews, like the star reviews, the number of stars for property managers. I mean, that could be helpful. It can also quickly get misleading. You can get a lot of bad reviews on an adequate manager. Because property management is such a tough job, I think that one of the best things you can do when vetting a property manager is to ask a friend. A lot of people don't have that option. So then do a search on the bigger pockets. Forums for your prospective property manager. So read reviews. Don't just look at star ratings. And I'll tell you, property management is one of the few areas in my life where I am willing to accept a service level of adequate or mediocre. Almost no one raves about their property manager, but I do have managers because they are the guardians of my quality of life, of your standard of living. We want them to serve our tenants, but I don't want 80 tenants being able to text message me. So there you go, armed with a number of due diligence items that can help you make sure that you buy your next income property, right? GRE marketplace, we typically connect you with the experience providers, but I'm telling you this because it's prudent to do some checking on your own and inquiring like this too, in case you have any doubt. Now, you notice on GRE marketplace, where you can connect with free investment coaching as well, that the properties, at times, they seem less expensive than you would expect. Why is this? Well, investor advantage markets, they have low prices. I mean, that's just one reason that they are investor advantaged like Ohio, Indiana, parts of Pennsylvania, Michigan, Missouri, Kansas, Nebraska, Tennessee, Arkansas, Georgia, Alabama, Oklahoma, Texas and some of the other Mid Atlantic states And Florida, another reason the GRE market prices seem low is that there is no agent that has to be compensated. It is a direct model. Another reason is economies of scale. Providers provide homes in bulk, so there are savings that way, and there also aren't any owner occupied emotions evolved with income properties. Those emotions can run up the price, or what they really do is they keep it stuck at a high price. So to help you review what you've learned today, a seven figure income is the new six figures. Real estate prices and rents just keep moving up, but modestly for the time being, a car loan can be good debt when you have a reasonable expectation that you can create arbitrage and sufficient liquidity in your life. And though income property is perhaps the most proven wealth generator ever, there are some mistakes to avoid when it comes to buying right between the guidance that you have today and the help of our completely free investment coaching another safety layer. If you're confident that it can benefit you, I encourage you to engage and move at the speed of instruction. It's the only way that you'll benefit I built this resource. I really wish it existed when I started out, and it's available for you at GRE marketplace.com, until next week. I'm your host. Keith Weinhold, don't quit your Daydream. Speaker 1 43:18 Nothing on this show should be considered specific, personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively. Keith Weinhold 43:42 You know, whenever you want the best written real estate and finance info, Oh, geez. Today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long. My letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text GRE to66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866. The preceding program was brought to you by. Your home for wealth, building, getricheducation.com.
Thank you Dr. Gentry Ensign, DPT, OMS III, for developing this podcast topic! Thank you Jayce Blomquist, OMS III, for being great sidekick!This podcast starts with high yield information about depression questions, adjustment questions and a few imaging questions. The topic then dives into a description of Diffusion Tensor Imaging and how insights from DTI are providing some understanding of the neuroanatomy of depression. We enjoyed our discussion and hope you do too!Thank you to the physicians that have blazed the podcast pathway over the last half decade. Thank you to the new students that carry the torch! Thank you to the immortal Jordan Turner for creating the perfect bumper music! Most of all, thank you to everybody that listens in and learns with us.
This week the boys sit down with Dylan's dad, Tommie T! They recap his experience with the DTI 50, talk about gut issues, and much more0:26 - Tommie T Is Back3:37 - Recapping The DTI 5012:16 - Fred's Gut Issues26:33 - What Is A Healthy Turd?32:18 - Traffic37:42 - Effects Of Drinking52:46 - A Challenge From Tommie TTo Support 1st Phorm & DTI shop products here: https://1stphorm.com/DTITo get a pair of Optic Nerve sunglasses for 20% off use this link and code DTI at checkout: http://www.opticnerve.com/DTITo purchase Athletic Brewing Company products follow this link & use code DYLAN20 at checkout for 20% off your first purchase https://bit.ly/3Qj1lkqTo purchase Honey Stinger products, click here: https://honeystinger.rfrl.co/jv3y5To get some Bombas gear, click here: https://www.pjatr.com/t/8-11047-337522-142593Subscribe To Our Newsletter: https://substack.com/@desiretooinspire/postsFollow Dylan and Freddy on Twitter @ItsDThack and @DTIRiteNauMake sure you subscribe to this channel so that you never miss an episode.Be sure to follow on social media @dtiritenau
In this powerful episode of the Loan Officer Marketing Podcast, Thuan Nguyen and Chris Johnstone discuss how Thuan built one of the fastest-growing mortgage brokerages in the country—while also helping 864 families secure their home loans. If you're a loan officer looking to scale your production, simplify your workflow, and retain more clients, this episode is a must-listen. Key Takeaways for Loan Officers: Support That Scales: Discover the exact systems and structure Thuan used to recruit and retain over 1,600 loan officers by leveraging A.I. and technology to free them up to focus solely on building relationships and closing deals. Mortgage Tech That Does the Work: Learn how Loan Factory's app and AI tools handle applications, calculate DTI, and streamline the entire mortgage process for both clients and loan officers. A Business Model Built for Producers: Hear why Thuan's flat-fee model and “do-it-yourself” mortgage approach empowers loan officers to keep more commission and grow faster. Tune in now to hear Thuan's full story, and if you find value in the episode, don't forget to leave us a 5-star rating and review—it helps more loan officers like you find the show!
This week the boys discuss the power of words. From negativity around you to the thoughts in your own head, it all matters. They get into work-life balance, going for outlandish dreams, and an impactful sauna session between Fred and a stranger.0:26 - Plastics6:12 - Workplace Negativity14:43 - Men Need To Lead Their Home18:51 - Work Shouldn't Be Your Identity27:05 - Go For Outlandish Dreams31:22 - Impactful Sauna Session36:54 - Identify With Your Future Self, Not A Past OneTo Support 1st Phorm & DTI shop products here: https://1stphorm.com/DTITo get a pair of Optic Nerve sunglasses for 20% off use this link and code DTI at checkout: http://www.opticnerve.com/DTITo purchase Athletic Brewing Company products follow this link & use code DYLAN20 at checkout for 20% off your first purchase https://bit.ly/3Qj1lkqTo purchase Honey Stinger products, click here: https://honeystinger.rfrl.co/jv3y5To get some Bombas gear, click here: https://www.pjatr.com/t/8-11047-337522-142593Subscribe To Our Newsletter: https://substack.com/@desiretooinspire/postsFollow Dylan and Freddy on Twitter @ItsDThack and @DTIRiteNauMake sure you subscribe to this channel so that you never miss an episode.Be sure to follow on social media @dtiritenau
Bongani Bingwa speaks to GroundUp journalist Daniel Steyn about the R180-billion lottery license battle and claims that the DTI minister is favouring Ithuba, including a story on secret parliamentary code that could let corrupt MPs evade accountability. See omnystudio.com/listener for privacy information.
BUSINESS: PH ready for more US investments – DTI chief | Mar. 25, 2025Visit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimesVisit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes Hosted on Acast. See acast.com/privacy for more information.
This week the boys continue to talk about how busy this season of life is, but how that busyness can lead to breakthrough. They give some training updates and Fred has finally felt the spark with endurance and has a message for you all. 0:26 - Been Busy5:52 - Small Moments Bring Big Life Change10:04 - Taking On Things You're Passionate About16:49 - Faith In Community18:29 - Training Updates22:26 - Learning Life Lessons Through Endurance27:14 - Fred Is An Endurance AthleteTo Support 1st Phorm & DTI shop products here: https://1stphorm.com/DTITo get a pair of Optic Nerve sunglasses for 20% off use this link and code DTI at checkout: http://www.opticnerve.com/DTITo purchase Athletic Brewing Company products follow this link & use code DYLAN20 at checkout for 20% off your first purchase https://bit.ly/3Qj1lkqTo purchase Honey Stinger products, click here: https://honeystinger.rfrl.co/jv3y5To get some Bombas gear, click here: https://www.pjatr.com/t/8-11047-337522-142593Subscribe To Our Newsletter: https://substack.com/@desiretooinspire/postsFollow Dylan and Freddy on Twitter @ItsDThack and @DTIRiteNauMake sure you subscribe to this channel so that you never miss an episode.Be sure to follow on social media @dtiritenau
Modupe Idowu is a REMLO—a licensed Realtor in Texas & Missouri and a Lender in all 50 states, dedicated to helping individuals and families navigate the homebuying process with confidence. She has been a member of the GIA team since 2020. With a background in investigative journalism, Modupe is a two-time Emmy nominee and Emmy Award winner, formerly working in TV news as a reporter and anchor. Bridging her passion for storytelling and financial empowerment, she created Mo's Homebuyer Bootcamp Challenge, a hands-on program designed to help first-time buyers overcome fear and uncertainty in the homeownership journey. The boot camp provides expert guidance on the buying process, hurdles to homeownership, and strategies to overcome financial barriers, including high debt-to-income ratios and mortgage credit readiness. To further support homebuyers, she developed a Financial Tracker, a tool designed to help individuals assess their financial standing, improve their debt-to-income ratio (DTI), and track savings goals for a successful home purchase. With years of experience in real estate investment, negotiations, and creative marketing strategies, Modupe has helped countless buyers and sellers achieve their property goals. Whether through her role as a Realtor, Lender, or Educator, she remains committed to empowering individuals to make informed, strategic decisions on their journey to homeownership. What You Will Learn: Who is Modupe Idowu? What background does Modupe (Mo) have before entering the real estate industry? How did Mo transition from journalism to real estate? What insights does Mo share about her experiences in the media field and the restrictions that come with it? What unique challenges does Mo highlight about starting her career in real estate? How does Mo describe the importance of building a network in the real estate business? What is the purpose of the boot camp that Mo created, and who is it aimed at? How did the COVID-19 pandemic influence the development of Mo's home buyer boot camp? What educational strategies does Mo employ in her boot camp to help first-time homebuyers? How does Mo integrate different learning styles into her boot camp curriculum? How does Mo's experience in various states contribute to her ability to educate clients across the U.S.? How can new agents leverage courses or digital products to build credibility and confidence? What niche does Mo suggest new agents focus on to establish themselves in the market? Why is it important for agents to think about both immediate deals and future opportunities? How does Mo address the different learning styles of students in her training program? What additional digital products will be offered alongside the boot camp? How does Mo's financial tracker assist buyers in preparing for homeownership? Modupe shares how everyone can contact her. Additional Resources from Modupe Idowu: Website: https://homebuyerbootcampchallenge.com/ Email: mo@opendoorsrealtyhomes.com Instagram: https://www.instagram.com/iammodupeidowu/ Attention Investors and Agents Are you looking to grow your business? Need to connect with aggressive like-minded people like yourself? We have all the right tools, knowledge, and coaching to positively effect your bottom line. Visit:http://globalinvestoragent.com/join-gia-team to see what we can offer and to schedule your FREE consultation! Our NEW book is out...order yours NOW! Global Investor Agent: How Do You Thrive Not Just Survive in a Market Shift? Get your copy here: https://amzn.to/3SV0khX HEY! You should be in class this coming Monday (MNL). It's Free and packed with actions you should take now! Here's the link to register: https://us02web.zoom.us/webinar/register/WN_sNMjT-5DTIakCFO2ronDCg
This week the boys talk about the current season of life that they're in and how it's preparing them for what's next. They also break down holding the standard they set for themselves, focusing on what you consume and challenging yourself to be different0:26 - Life Has Been Crazy Lately3:04 - Dealing With Burn Out9:58 - Hold The Standard16:42 - Focus On What You Consume25:30 - Challenge Yourself To Be DifferentTo Support 1st Phorm & DTI shop products here: https://1stphorm.com/DTITo get a pair of Optic Nerve sunglasses for 20% off use this link and code DTI at checkout: http://www.opticnerve.com/DTITo purchase Athletic Brewing Company products follow this link & use code DYLAN20 at checkout for 20% off your first purchase https://bit.ly/3Qj1lkqTo purchase Honey Stinger products, click here: https://honeystinger.rfrl.co/jv3y5To get some Bombas gear, click here: https://www.pjatr.com/t/8-11047-337522-142593Subscribe To Our Newsletter: https://substack.com/@desiretooinspire/postsFollow Dylan and Freddy on Twitter @ItsDThack and @DTIRiteNauMake sure you subscribe to this channel so that you never miss an episode.Be sure to follow on social media @dtiritenau
Rent To Retirement: Building Financial Independence Through Turnkey Real Estate Investing
This episode is sponsored by...BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/
Rent To Retirement: Building Financial Independence Through Turnkey Real Estate Investing
This episode is sponsored by...BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/
In this episode of the Get Out of Debt Guy Podcast, Steve Rhode and Damon Day break down the art of prioritizing debt payments and demystifying the debt-to-income (DTI) ratio. Discover why focusing solely on interest rates can backfire and how understanding your DTI can open the door to better financial decisions. With real-world examples, practical strategies, and a healthy dose of humor, Steve and Damon share insights that empower you to take control of your money, reduce financial stress, and build a more secure financial future. Tune in and learn how to manage debt like a pro—without the guesswork.
DTI valentines update gameplay coming next!! I will still be taking suggestions though :D
Are commercial loans the right choice for your short-term rental purchase? In this solo episode of the Cash Flow Positive Podcast, host Kenneth Bedwell breaks down the complexities of commercial lending for real estate investors. Drawing on his own experiences, Kenneth explores when commercial loans make sense, the trade-offs between commercial and conventional financing, and how to make decisions that align with your financial goals.This episode offers a deep dive into the mechanics of DSCR loans, understanding debt-to-income (DTI) ratios, and the critical importance of running your numbers before finalizing any deal. If you're looking to scale your short-term rental portfolio and want to avoid costly mistakes, this episode is packed with actionable insights to guide your financing decisions.In This Episode You Will Learn:The differences between commercial loans and conventional financingHow DSCR loans work and their unique advantages for STR investorsWhy understanding your debt-to-income ratio is crucial for financing decisionsThe importance of planning for long-term goals while choosing loan optionsWhy you should always run your numbers and consult with a trusted lenderAnd much more…Resources:Connect with Kenny on LinkedInFollow Kenny on Instagram
© 2020-2025 Ivy Podcast Discovery LLC
