Podcasts about emds

The Legal Department discusses some of the commonly asked questions about EMDs.

Send us a textEver wondered if the words in your domain name still matter for SEO? Join me, Ed Dawson, as we dissect the journey of exact match domains (EMDs) and their evolving role in search engine optimization. We'll pull back the curtain on how EMDs once ruled the SEO landscape until Google's pivotal 2012 update reshaped the rules. You'll get the lowdown on how Google now integrates EMDs into its ranking system without giving them undue credit, smashing common myths, and revealing that EMDs, paired with high-quality content, can still be a winning strategy.In this episode, we also dig into the strategic play of using keywords in domain names, especially for local SEO and rank and rent websites. Learn why descriptive, location-based domains might just be your secret weapon for climbing the search ranks, even if your site is light on content. We'll navigate the tricky waters of domain availability and brand building, offering you actionable advice and real-world examples like broadband.co.uk and Pimlico Plumbers. Whether you're a seasoned SEO pro or just starting out, this episode is packed with insights to help you leverage your domain name for maximum impact.SEO Is Not That Hard is hosted by Edd Dawson and brought to you by KeywordsPeopleUse.comYou can get your free copy of my 101 Quick SEO Tips at: https://seotips.edddawson.com/101-quick-seo-tipsTo get a personal no-obligation demo of how KeywordsPeopleUse could help you boost your SEO then book an appointment with me nowSee Edd's personal site at edddawson.comAsk me a question and get on the show Click here to record a questionFind Edd on Twitter @channel5Find KeywordsPeopleUse on Twitter @kwds_ppl_use"Werq" Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 4.0 Licensehttp://creativecommons.org/licenses/by/4.0/

Send us a Text Message.Ever wondered why some e-commerce sites are skyrocketing in Google rankings while affiliate sites lag behind? Join me, Ed Dawson, as we explore the latest trends and challenges in SEO and online marketing. We kick things off with an intriguing comparison of e-commerce and affiliate sites, before having some fun with Google's hidden software Easter eggs. You'll also learn why editorial links are the gold standard for backlinks and how concepts like EAT—Experience, Expertise, Authoritativeness, and Trust—play a crucial role in Google's quality guidelines. Plus, discover practical strategies such as ego bait, creating an email list, and using engineering as marketing to enhance your SEO efforts.In the second part of the episode, we dive deep into advanced SEO techniques to give you a competitive edge. Get to grips with the concept of entities in Google's algorithm and how they go beyond simple keywords to understand context. Uncover the lasting benefits of evergreen content and the nuanced pros and cons of exact match domains (EMDs). We'll also discuss why external links can improve user experience and potentially boost your SEO signals, and reveal how expired domains can be a hidden gem in your SEO strategy. Whether you're new to SEO or looking to refine your approach, this episode is packed with actionable insights that can transform your digital marketing game.SEO Is Not That Hard is hosted by Edd Dawson and brought to you by KeywordsPeopleUse.comYou can get your free copy of my 101 Quick SEO Tips at: https://seotips.edddawson.com/101-quick-seo-tipsTo get a personal no-obligation demo of how KeywordsPeopleUse could help you boost your SEO then book an appointment with me nowSee Edd's personal site at edddawson.comAsk me a question and get on the show Click here to record a questionFind Edd on Twitter @channel5Find KeywordsPeopleUse on Twitter @kwds_ppl_use"Werq" Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 4.0 Licensehttp://creativecommons.org/licenses/by/4.0/

The Legal Team discusses EMDs and how they must be held.

Dr. Wing Lim hosts guest Gaurav Sobti, Vice President at Create Commerical Mortgage Services, in a discussion about private versus public equity and real estate investing. Gaurav holds designations as CPA, CA, and CFA, and has a wealth of knowledge to draw from in shedding light on equity and what the average investor needs to know. Gaurav Sobti is the husband of a physician - he likes to joke that his parents wanted him to be a doctor so he did the next best thing and married one. He understands investments both from the financial point of view, his career, and from a physician standpoint as well. Gaurav defines a lot of terminology for Dr. Lim and offers insight into the markets and asset classes.  In this episode, Dr. Kevin Wing explores the world of private versus public equities with guest Gaurav Sobti. They talk about the differences between public and private, the pros and cons of each, the differences in leverage and liquidity, and who to buy such funds from. Gaurav shares some important advice on what to investigate and what questions to ask when approaching an EMD (Exempt Market Dealer) or fund manager. This episode is a solid groundwork guide into the world of private and public equity and real estate as an investment from a financial expert.About Gaurav Sobti, CPA, CA, CFA Gaurav Sobti has 10+ years of financial services experience across real estate, investments, finance and accounting.Gaurav's most recent formal role was with a national real estate finance firm where he was responsible for originating and underwriting commercial mortgage transactions with a specialty on CMHC insured (multi-family) financing. Prior to that, he spent 4+ years at a private investment fund which had a mortgage investment fund. Prior to that, Gaurav worked at Alberta Teacher's Retirement Fund Board on the private investments team focused on private equity transactions. Gaurav was part of a top performing team that managed a $3Bn institutional grade portfolio. Gaurav started his career at Deloitte, one of largest accounting/advisory firms in Canada and worldwide.By training, Gaurav is a designated CPA, CA and CFA Charter holder. Gaurav is a licensed mortgage associate.Resources Discussed in this Episode:Gaurav Sobti on LinkedInCreate Commercial Mortgage Services—Physician Empowerment: website | facebook | linkedin __TranscriptDr. Kevin Mailo: [00:00:01] Hi, I'm Dr. Kevin Mailo and you're listening to the Physician Empowerment podcast. At Physician Empowerment we're focused on transforming the lives of Canadian physicians through education in finance, practice transformation, wellness and leadership. After you've listened to today's episode, I encourage you to visit us at PhysEmpowerment.ca - that's P H Y S Empowerment dot ca - to learn more about the many resources we have to help you make that change in your own life, practice and personal finances. Now on to today's episode. Dr. Wing Lim: [00:00:34] Well, welcome, everyone, on a Monday night, and it's always good to see you guys. And yeah, so Kevin there, me and Gaurav. So I'm Wing Lim, Dr. Wing Lim and this is Dr. Kevin Mailo and there's Gaurav, our guest. So welcome, everyone. There are other people who might pop in later. Yeah, so we're super excited to be hosting this one, this webinar, live webinar and etiquette as we record the show and so that you guys know it's being recorded. So yeah, I'm one of the co-founders of Physician Empowerment and what we do with the live webinar and the podcast is we interview interesting people on interesting topics that might help physicians live better lives. So we're here to do all that. And so tonight I'm super pumped to have Gaurav to be our guest. And Gaurav is interesting for many, many reasons and we'll dive right into it. But Gaurav is a physician's husband, so this is one of the spouses, but he's got a very diverse background. So maybe tell me or tell us a little bit about your immediate family or extended family, how you link into the physician community. Gaurav Sobti: [00:01:45] Sure. So thanks, Wing So I like to joke that, you know, I come from an East Indian background, lots of medical doctors in that from that background. And so my parents wanted me to be a doctor. So I did the next best thing and married one. And so, yeah, my wife, she's a family physician. She's been a family physician, I think since probably 2015 when she finished her residency. She works as she works out of a clinic. We don't run the clinic. She just works out of a clinic. And yeah, her family has a few, there's a few doctors and her mom's a doctor and so is, I think her, her cousins as well. Dr. Wing Lim: [00:02:23] Right. And then you got some on your side, right? Gaurav Sobti: [00:02:26] Do I? I'd have to think actually, I don't, I'm not sure actually if I have too many on my side. Dr. Wing Lim: [00:02:31] Right, yeah. But it doesn't matter, right? We're all regular people anyways, right? It doesn't matter what profession we are. So now professionally, you have a very interesting background. You're a CA, CPA, CFA, that's quite a designation. You have institutional background and you're not, I guess you don't want to be stuck behind a desk doing people's tax returns. So you do a whole diverse a lot of things and you're into financing as well. So tell us more about what your journey is like. Gaurav Sobti: [00:03:01] Yeah, so I went to school in Waterloo. I actually studied biotechnology and chartered accountancy. So, you know, I was kind of hedging my bets, thinking maybe I'd go into medicine. Um, but yeah, so I, I worked for Deloitte, which is an international accounting firm there. It was good, I liked it, gave me a good investigative background, but kind of always knew I wanted to do finance. Decided to move out to Edmonton to join a sort of mid-size and growing pension fund, our teacher's retirement fund, and didn't really know much about finance really until I got into there and we were doing private investments. The program was, you know, I would say the book was, you know, it was a $3 billion book where that's what we were building. Dr. Wing Lim: [00:03:46] Wow, Wow. Gaurav Sobti: [00:03:47] Half was private equity, half was infrastructure. And I worked primarily on the private equity side. Yeah, we were investing in funds and co-investments. And it was fun. It was, I could have had a very cushy job, but decided that I wanted to kind of do more entrepreneurial things. So I, you know, long story short, I joined a private lender. That's where I kind of got my experience in real estate, I was there for about four years, kind of originating deals, mortgage deals. Right? Again, probably prior to that really didn't think of mortgages as investments. And then decided I wanted to get some CMHC experience, which is related to multifamily. So I joined a national real estate finance firm, learned multifamily financing, CMHC, and then now I've kind of become, you know, independent, you know, I am technically a mortgage broker, right? I like to think of myself as more of a sort of consultant, like I put together my own deals as well, equity deals for real estate as well because I think that's where my passion lies. Dr. Wing Lim: [00:04:52] Right? So that's a really interesting background. And so of course you're more qualified than anyone, but what you just said just caught my attention. You said you learned about private equity and real estate quite a few years after you became a CA, right? So that tells me that the CAs that we use, if they're the general practice kind of CA, they might not know a lot about this stuff, do they? Gaurav Sobti: [00:05:16] Yeah, no, you're totally right. Like I, when I was a CA and doing audits, right, you know, I would say my Excel skills were pretty limited as well. Right? Think now, you know, with new CAs that's improved. You know CAs, you know, they know numbers. Some of them, even within CAs, some of them know taxes, some of them don't. There were some CAs who were auditors who didn't even do their own personal tax returns. Right? So I think obviously, just like physicians, CAs come from different kind of backgrounds and experiences. Just as finance advisors do as well, right? Dr. Wing Lim: [00:05:55] It never ceases to amaze me how my colleagues and I made a lot of decisions, East, West Coast. They always run business ideas by the accountants. Gaurav Sobti: [00:06:02] Usually they'll tell, you know, then if it's your accountant because they're generally pretty risk-averse, right? Dr. Wing Lim: [00:06:08] They're very risk averse. They'll shoot down your idea even if it's a good one. Right? So anyways, that's just for what it's worth, right? Do not go to your accountant for business advice. Go there for your tax return advice. Right? So, yeah. Okay, so let's move on. So when we talk about private equity, let's talk about public markets, right? There's public, private and most people just give their money to their advisors. And most people, most physicians I know of have thrown their money into the public markets. And it's a mess out there. So do you want to make some comment about the reason that bank runs stocks, bond reversal, crypto upheaval can just give me, get a broad brush. What's the weather like? What's the temperature like out there in the public markets? Gaurav Sobti: [00:06:53] Yeah, no, I mean, so obviously there's a lot of volatility, right? You know, after Covid. Well, when Covid hit, you know, the markets took a big dive. And then there was a big run-up related to all the printing of money. Right? Now, they're kind of out of favor again. The markets have taken a hit with just interest rates rising. Right. Tech has definitely taken a huge hit. And, you know, now there's definitely recession fears coming. So, you know, the yield curve is kind of changing, you know, by the month. Right? And especially with these banking failures with ICB and now Credit Suisse like people are worried like is this another 2008? Dr. Wing Lim: [00:07:34] Very much so. Gaurav Sobti: [00:07:35] So there's definitely a lot of volatility. You're seeing that in the bond market for sure. Dr. Wing Lim: [00:07:39] Yes, exactly. So historically, people say, well, 80/20 rule, 60/40 rule 60% stocks 20/40% bonds. Oh, you're set. Well, gee, if both of them tank, what do we do if that's our retirement? Gaurav Sobti: [00:07:53] Yeah, me personally, like, I think capital should be, you know, flexible. I'm not saying, you know, public markets are bad, but sometimes, you know, there's sometimes a time to invest in them. And so there's sometimes there's better times and sometimes there's worse times. That being said, I think you look at the Canadian pension plan model, right? And Canadian pension plans are really pioneers globally when it comes to investing, right? They tend to put a lot of money into alternatives. And I would say the three big asset classes are private equity, infrastructure, and real estate. So definitely that has a place in someone's portfolio. And you know, there is a trend towards, you know, making this more widely accessible. But yeah, you definitely have to understand sort of what the risks are and, you know, private equity, again, very broad term. Right? Dr. Wing Lim: [00:08:42] So before you go further, because treat us like grade eight in finance language. Right? So what is private versus public? Why do they call it public versus private? What distinguishes them apart? Gaurav Sobti: [00:08:57] Yeah, so private, private and public, I mean, the simple difference is that, you know, public is on a, you know, it's openly traded on an exchange. There's generally more regulation there. Right? Like, you know, to go public, like there's a lot of securities documentation that have to be filled out. Whereas private can be, although there is securities regulation associated with private, it's not as regulated, right? And yeah, it's, you know, just it's privately owned. Dr. Wing Lim: [00:09:27] Right. So why do people consider, why people go into private equity versus public? What's the advantage there? Gaurav Sobti: [00:09:35] Well, I think there's a few things. So one is control, right? When you invest in a public security. Well, especially if you invest, let's say, through an EFT or a mutual fund manager, well, that manager does not have really any say or control over that over that company. Whereas, you know, if you invest in private securities, whether you're doing your own or you're investing with the manager, they're generally going to have more control, right? That's one reason. The second reason is, you know, there's diversification. There's the universe of public companies, like there's lots of public companies out there, but there's way more private companies out there. So, you know, if all you do is invest in public, then you're missing out on a segment of the market. And then I would say generally private investments they tend to, I mean they have outperformed. Right? That's another reason. There is potential for more alpha because of the fact that there is control and also because you might be investing in different, you know, smaller mid-sized companies or projects and that could eventually go public right through consolidation. Right? Dr. Wing Lim: [00:10:56] So let's go back a little bit because we are afraid of jargon. So when you say more alpha, do you mean that there's more profit? Gaurav Sobti: [00:11:02] There is potential for more profit. There is potential. Dr. Wing Lim: [00:11:04] And then that means that potentially there's more rate of return because people go to private, I know, at least I know people, myself included, go there because all the rate of return is more attractive. Gaurav Sobti: [00:11:14] There could be, yeah. Now, you know, I will caution that part of that return comes from leverage as well. Like the public markets hate leverage, right? So like if you look at like a public REIT, for example. They're definitely not going to put as much leverage on the asset. Now they'll say it's because of risk and, you know, there's probably some truth to that. But part of it is just if they put too much leverage on it, they're punished by the public markets. You don't have that issue in the private markets. Dr. Wing Lim: [00:11:45] Let's backtrack. By leverage you mean they actually borrow some money? Gaurav Sobti: [00:11:48] Yeah, they borrow. Yeah. Typically private investments, there's more leverage in loan. Right. Which, you know, leverage, you know, it can be in, you know, in the right instances, it can be a good thing for returns. Dr. Wing Lim: [00:11:58] Right. So so what other things should we consider like, say, the downside or the cons of private investment that we need to watch out for? Gaurav Sobti: [00:12:07] Yeah, I would say a con, one con is that it's not as liquid, right? So, you know, when you invest in a stock, if you need to sell, you can sell immediately. Now that can be a bad thing too, because sometimes you're your worst enemy, right? Dr. Wing Lim: [00:12:23] Chicken Little. Gaurav Sobti: [00:12:25] So yeah, like, you know, I would say if you're investing in private, you have to have a longer-term horizon, right? You shouldn't be investing funds that you're going to need anytime soon. Dr. Wing Lim: [00:12:35] So what kind of horizon, What months, years, decades? What are we talking about? Gaurav Sobti: [00:12:40] Well, definitely years for sure. Like, you know, obviously it depends on what you're investing in. But, you know, the thing is like public, you can literally buy something today, can sell it tomorrow, I might sell it for a loss, but I can sell it tomorrow. Right? Private securities, you don't necessarily have that liquidity. There are, there's I mean, we can probably for another conversation, there is a whole area called secondaries in the private markets, which does provide liquidity. But that's, again, that's probably too much for this conversation at this point in time. In general, private securities are less liquid. The other thing is transparency. Now, depending on the group you're investing in, right, like, you know, it's less regulated. So there's going to be, there can be less transparency around it. With public you have to file your statements quarterly. You're dealing with the regulator. Private overall is just less regulated and there can be less transparency. Like you could, you could just get into a deal with like, for example, a local developer. There could be, you know, very limited transparency around it. Dr. Wing Lim: [00:13:46] So in your experience, what's the split that, like most people, do they do like 80% of their money in public, 20% in private? What's your feel, like an average professional. Gaurav Sobti: [00:14:01] That's a tough question, but I would say it really depends on your own personal circumstances. And your need for liquidity. You know, that being said, I don't think you should be 100% in private, right? I think the public markets do, there is a role for them. Dr. Wing Lim: [00:14:20] Right. Gaurav Sobti: [00:14:22] And so it's, I would say, what I can tell you is that like, for example, the pension fund that I worked for, we had 35% in privates, right? So 10% was in private equity. 10% was in public equity, not public equity sorry, infrastructure, and 15% was in real estate. So I think if you look at a lot of the pension funds, you can pull up their reports, right, for Canada. Like I would say, they're anywhere between, you know, 30 to 50% in privates. Dr. Wing Lim: [00:14:55] Right. I think for most physicians, we don't, like we don't do day trading. We don't have time to do that. We're long-term. We're building up the nest egg for retirement for us and in intergenerational wealth. So for long-termers, you think it's a good idea, right, to... Because these are longer horizon, like you said. Gaurav Sobti: [00:15:16] Well, I think physicians, like the advantage they have is, you know, especially in Canada they're, generally if you're a physician, you're a physician for a very long time period. Right? You have very predictable earnings. And it's almost like a bond, right, in itself. Like that cash flow stream. So because of that, you can probably rely on that more than, let's say, other professions. Right? You know there definitely is a case to be made to invest more in private securities. Dr. Wing Lim: [00:15:49] Sure. So let's dive into it. So how can an average Joe get involved in private securities and where do they find them or what kinds are there? Gaurav Sobti: [00:15:59] So I mean, you know, some of the private wealth managers or investment managers, they may have a private offering. I will caution you that, you know, sometimes these guys are just trying to sell private securities for the sake of almost as - well I'm not sure what the right, I don't want to use the word gimmick - but they're just like, okay, we know private securities is hot. Let's get someone into, let's get these guys into private securities, but they don't necessarily know how to do actually, honestly, the proper due diligence is one. And frankly, they probably overly diversify. So when I was at the pension fund, for example, we actually ran a very concentrated private equity book where we invested inside fund managers. And then we also did direct deals alongside the fund managers. And the reason we were concentrated is because if you have like, let's say, 40 managers that you're investing in, well, they're going to have multiple funds that invest in, you know, 8 to 15 companies each, right? So that's just, like you're just overly diversified. You're probably going to end up, after all the fees are said and done, you're just going to end up getting like an ETF type return. Dr. Wing Lim: [00:17:21] Well that's exactly - I totally agree with that. And actually, it's not just me. So last time we interviewed Brandon Carlson. He's a portfolio manager and the podcast just got released. And so we asked him, I actually interviewed him in December and say, what's 2023 going, right? Where's the public markets going? And he's just saying exactly that because it's a zoo out there. So he says, if I were to predict where Fortune 500, half of this is going this way, half of that going that way. And if you just do a very broad-based diversification like index fund, you end up with the very mediocre thing, which is, you know, not much different, right? But then if you become more selective and you're not just picking average Joe, you actually need to understand what they do. And become more select, more focused. Then you probably win, right? So I guess that applies to private equities then? Gaurav Sobti: [00:18:17] No, definitely. Yeah. Like, so that's one thing to consider. You don't want to be overly diversified either because if you're trying to, you know, the whole one of the reasons to invest in private is to get that additional return. And if you just end up overly diversifying there, it kind of defeats the purpose. Right? And honestly, you have to just, depending on who you're investing with, like you might be able to find like a manager that you can invest directly who invests in companies. Right? Or you can invest through what is known as a fund of funds. So the fund, they create a fund like a feeder fund, which invests in a variety of managers. And honestly selecting the right manager to invest in, there is a skill to that. And there is a process. But if that manager is investing in, if your fund a fund is investing in too many managers and then they're laying on too many fees, then again, you're just going to end up with a ETF return, right? Dr. Wing Lim: [00:19:18] Right, exactly. Now let's pivot and move into that space, into more day-to-day. Who would end up buying these funds from. And there's a, one of the hot, hot, at least in my experience and in my space, but one of the hot, hot things is real estate, right? Real estate funds is part of this private equity. And they're a big chunk of real estate. And so I think you and I are both passionate in this space. And there's a lot of capital raised. There's a lot of good returns. So how would you describe the space right now, this real estate fund space. Is it expanding? Is it hot? Is it worth getting into it? Gaurav Sobti: [00:19:55] Definitely expanding. The whole alternatives is expanding and real estate is probably, you know, I haven't looked at the statistics, but it's probably one of the largest private asset classes. Right? And there are more private funds kind of showing up. Yeah, so you could find a manager to invest with. You could find a sponsor to invest in. You could go through an EMD as well, right? EMDs have different products on their shelves. But again... Dr. Wing Lim: [00:20:30] Let's talk about EMDs, that's a good catch phrase. Right? So what does EMD mean and what are they? What do they do? Gaurav Sobti: [00:20:40] Yeah. So Exempt Market Dealer - I was actually formally registered as an Exempt Market Dealer back in 2015 and I'll be honest, I didn't fully understand it at that point. I was maybe 25, 26. I just had the right credentials and someone got me registered. I got to learn about this space a lot later on, right? And think I have a better appreciation for it. So yeah, so an EMD is an exempt market dealer. From my understanding these are groups that are essentially allowed to raise capital in the exempt market space. Dr. Wing Lim: [00:21:12] So why, exempt from what? Gaurav Sobti: [00:21:14] From a prospectus. So when you're raising capital, there's, if you raise capital in the public markets, you have to prepare what is known as prospectus. Which is essentially a legal/marketing document to go public. When you raise money in the in the private markets, there's various exemptions that you can rely on to raise that capital. And, you know, one is, you know, friends and family, another is the accredited investor exemption. Right? And so if you're, I would say EMDS, one) from a from an issuer point of view, from like a sponsor point of view, if they're raising capital on a very frequent basis, then I believe they need to use an EMD right, to stay on with regulation. But EMDs also provide products to potential investors, right? So they have products on their shelves that they essentially sell. So you know, we've done our due diligence. We've approved them. And here you can invest in this product. That being said, I would say, I would caution you coming from a pension background and coming from learning from a mentor who really taught me how to do diligence and having an audit background, I personally would be skeptical of an EMD's, like how much diligence have they truly done? Right? There's probably some out there that are great, but there's some out there that are just pure salespeople who don't really understand the risk, haven't really done significant amount of diligence. Right? And frankly, they're probably not even investing their own capital in the opportunity. Dr. Wing Lim: [00:22:53] So basically, to recap, EMD in my mind, is more like a brokerage house that they have a product shelf and then the different products and these are all private equity products. Gaurav Sobti: [00:23:06] Yeah, that's a... Dr. Wing Lim: [00:23:07] So to speak. Gaurav Sobti: [00:23:08] That's a good way to sum that up. Dr. Wing Lim: [00:23:09] Good way to sum that up, right? So versus you go to mutual funds manager or advisor mutual funds. So that's all the public equities. Most average financial planners will sell you public equities, right? And the private equity salespeople are the... DRs. Right? So, and I don't know how everybody's exposure is, there more and more DRs because there are more and more projects. So other than EMDs, would there be some funds that people can buy directly or like, say, from this what you call sponsor, like the developer, the issuer they call them? Or what about a REIT? Can people just directly buy from these people? Gaurav Sobti: [00:23:48] Well, even if you invest in a private REIT, for example, most likely that private REIT is raising capital on a frequent basis. There will be an EMD involved. Like for example, I was just more curious, I won't name the shop, but, you know, I was just very curious about a certain apartment sort of issuer. Right? Private issuer. So I just, you know, I reached out to them. They immediately, you know, directed me to a third party EMD who I had a chat with about the suitability, first of all, about the opportunity. But whether it's suitable for me. Right. So chances are, if you're dealing with somebody who's raising capital on a very frequent basis, you will get in touch with an EMD. You can invest in projects directly without an EMD, right? But then the issuer has certain responsibilities. Dr. Wing Lim: [00:24:41] So you talk about accredited investors, right? So think a lot of EMDs, they look for doctors because we are mostly high net worth, right? So can you briefly just tell the audience what's the space about accredited versus non accreditors, the eligible to like, where do they make the cut-off? But do we fit? Gaurav Sobti: [00:25:01] So accredited investors, I mean... You know I think it's you have to have $1 million in net financial assets that can include your house or you have to make, you know, $200,000 individually or $300,000 with a spouse. And I believe it's like a two-year cut-off. And you have to believe that it's going to persist, right? So that's kind of the definition of accredited. So most doctors, you know, even if they don't meet the financial, the net financial asset test, they'll generally make it on the income test. Right? And then, you know, there's obviously a path forward to get to that net financial asset test as long as they, you know, continue to save money and invest properly. Dr. Wing Lim: [00:25:41] Right. And then for those of us who are a little bit more exposed, I don't know about the audience, but certainly I'm very familiar with this space. So they promise a lot of returns, double-digit, like 8, 9% prep and then back end. So we end up with 15, 20, 20+ percent. So do you think those are realistic? Are these real? Are they true or are they poo? Gaurav Sobti: [00:26:05] Yeah, I mean, I think I think they can be realistic, but, you know, definitely there can be a game to it as well, right? Like you can, you know, you can put together a model, right? And, you know, you can make whatever assumptions you want and you can create that 20% potential return. But I think you have to, like I think there's a few things you got to look at. What I look at, for example, is like definitely I want to have alignment of interest with whoever I'm investing with. I want to make sure that they have skin in the game, you know, whether it's through investing cash, hard cash in the deal, plus, you know, potentially putting up their guarantee. Right? They don't always have to have everything, but there's got to be some level of alignment of interest. And then you want to see what kind of, do they only talk about the potential gains, do they even mention any of the risk? What's their track record? Have they done it before? Right? And so those are kind of some of the critical pieces. Do they understand financing? I think that's pretty, especially in real estate that's very important. So I've met with Bob Dylan, for example, from Main Street, right, which is the company. He's very successful. Dr. Wing Lim: [00:27:22] Big guy Gaurav Sobti: [00:27:24] Big personality type. And you know, he said like, you know, in this business, you know, you make money on the buy - and again he's more value-add apartments - you make money on the buy, you make money on the financing. You'd be surprised how few sponsors, like how little finance knowledge they actually have and how little knowledge they have related to like even financing. Like I was, people send me opportunities to look at from time to time and, you know, I kind of give my input, right? Like I try to give my unbiased opinion. And someone showed me an opportunity in Winnipeg and it was $100 million project and they were using an interest rate that was like 2% below the current market, right? And so it's like, do you not understand? Like, you know what I mean? Like, you should have this basic understanding. And the other thing I would say is you have to see like, listen, you're going to pay fees, right? Whether you invest in the public markets, if you invest your manager or you invest in private, there are going to be fees. And sometimes the fees in privates are going to be higher. It is more work to put a deal together versus just investing in a stock. But is there an alignment of interest? Like is there a preferred return, for example? Right. I was just looking at another opportunity the other day for somebody and, you know, these guys were taking 40% sweat equity, no preferred return. And they didn't, it didn't seem like they were really putting any cash in the deal. So these are some of the things you should look for, right, when you're kind of evaluating somebody. Dr. Wing Lim: [00:29:01] Right. So to recap what you say, well, they give you very attractive return while some of those are actually true. But there's a lot of stuff hidden behind that is all by assumption. And we have to do some sort of a due diligence. Gaurav Sobti: [00:29:16] Or you have to get somebody who knows how to do it. Like, you know, like-- Dr. Wing Lim: [00:29:19] Because they-- Gaurav Sobti: [00:29:19] -- who can do it for you. Dr. Wing Lim: [00:29:21] Or you have to find somebody who could do the due diligence, short for DD, right, a proper DD. So of course with your background being an accountant, auditor and with your CFA, of course you would know how to crunch numbers. How would average Joe Doctor know whether the salesman across the table knows what they're talking about? Gaurav Sobti: [00:29:43] I mean, I would say you got to educate yourself, right? So if you want to take the path where you're going to do it on your own, then you definitely have to educate yourself. And it's not that it can't be taught, but you have to invest in that process. You know, despite being relatively educated, right, on the financial side, you know, I think anybody is capable of learning something. But they have to they have to have the time. And they have to commit to it. Dr. Wing Lim: [00:30:11] Right, exactly. Now, so we have actually gone over time, but I want to switch over and spend a little bit of time about institutional-grade real estate investment. So that's part of our topic. So what would you say is the institutional-grade real estate investment project? Well, you can. Gaurav Sobti: [00:30:29] Think of institutional grade as generally, I mean typically they are larger assets, but I mean I think you can do it on a small scale too. You just have to have some of the same structures, right? So when, let's say when you're valuing an opportunity, is there a preferred return built in? That's one, that's probably, you know, that's typically a sign of, that's like an institutional concept, right? If they don't have that, then it's definitely not meeting that test, right? Dr. Wing Lim: [00:31:00] So to me, institutional grade is what institutional funds would buy, right? So that or they would sell, right? And so if somebody builds a project and they would the institution would smell you and say, I want to buy you out, then, you know, you got institutional grade real estate, right? Because you're worth pursuing. But it's different, right? Because we, most doctors have one, two, three, 20 doors of condos or houses. And so these are moms and pops, right? And there's a different level, which is the bigger, more sophisticated real estate. Gaurav Sobti: [00:31:34] So yeah, generally larger assets for sure are considered more institutional grade for sure. Yeah. Dr. Wing Lim: [00:31:39] And the returns are different. The effort is different, right. And so that would be a discussion for a different day. Okay, so, one final question. So yeah, you already answered some of that for us, what's the next step if we're interested in this or - our audience is diverse, I know some of the audience already talked to you one on one - some already have a huge portfolio and they're actually walking into institutional-grade already. So what's next for people like that or for the average doctor if they want to expand? Gaurav Sobti: [00:32:14] Yeah, I mean you can consider investing in, like these GPLB structures, right? Just kind of keep kind of some of the things that I said in mind, right, when you're kind of evaluating these opportunities. And, you know, there are, you could talk to an EMD. But just again, if you're talking to an EMD I would say make sure that they're investing their own capital in those same opportunities. That's probably one of the first questions to ask them. And really understand their due diligence process and who's doing their due diligence. Dr. Wing Lim: [00:32:46] Yeah. Okay, good. Thank you, Gaurav. It's a lot of questions. It's a lot for people who haven't heard about this quite a bit. Dr. Kevin Mailo: [00:32:54] Thank you so much for listening to the Physician Empowerment podcast. If you're ready to take those next steps in transforming your practice, finances, or personal well-being, then come and join us at PhysEmpowerment.ca - P H Y S Empowerment dot ca - to learn more about how we can help. If today's episode resonated with you, I'd really appreciate it if you would share our podcast with a colleague or friend and head over to Apple Podcasts to give us a five-star rating and review. If you've got feedback, questions or suggestions for future episode topics, we'd love to hear from you. If you want to join us and be interviewed and share some of your story, we'd absolutely love that as well. Please send me an email at KMailo@PhysEmpowerment.ca. Thank you again for listening. Bye. 

Eirin Eikefjord og Vidar Strømme tropper opp i studio for å fortelle oss om de viktigste juss-sakene fra februar.Vi har fått dom i Tengs-saken og videreutvikling i Silje-saken. Dette er gamle drapssaker som har kastet lange skygger. Hva er begrunnelsen for domfellelse i Tengs- og renvaskelse i Silje-saken? Har vi fått svarene vi trenger for å legge disse sakene bak oss – og hva bør vi lære av dem?Det er ny utvikling i saken om Oslo-skytingen. Har E-tjenesten gått for langt i sin virksomhet og faktisk tilskyndet terrorangrepet i Oslo i fjor sommer? Og hvilke konsekvenser har i så fall det?Oslopolitiet ombestemte seg og trakk tilbake tillatelsen til at SIAN kunne brenne en koran utenfor den tyrkiske ambassaden etter en trusselvurdering fra PST. Har vi nå i realiteten fått et generelt forbud mot koranbrenning i Norge?Vi skal også få nøstet opp i noen saker som har vært gjengangere i Jusspodden – hør mer om dette i episoden!Eirin er politisk redaktør i Bergens Tidende. Vidar Strømme er fagdirektør i Norges Institusjon for Menneskerettigheter (NIM) og har også lang fartstid som advokat.Har du ris, ros eller tips tiltemaer kan du kontakte Jusspodden på Instagram, Facebook eller viamarianne@jussogmedia.no!Vil du vite mer om temaene fra ukensepisode?Dypdykk i Siljesaken i episode 127og Tengs-saken i epiosde 70. Dommen i Tengs-saken: THOS-2022-71642-3Jehovas Vitner-saken: episode 133 og100 Dommen i Høyesterett (HR-2022-883-A) her.Mer omOsloskytingen i episode 112 og koranbrenning i episode 96.Høyesterettsavgjørelse i hyttesøksmålet (HR-2022-718) her og EMDs avgjørelse herEl-sparkesyklerhar vi pratet mye om, blant annet i episode 131, 118 og 109. Dommen fraHøyesterett: HR-2023-298-AJusspodden sponses av stiftelsen Lovdata.Lenker over leder til Lovdatas åpne sider. Jusspodden er uavhengig og Lovdatalegger ikke føringer på produksjonen.

There is a lot at stake and much to coordinate for a specialty patient. With specialty prescribers trying to provide a personalized experience for patients and specialty pharmacies expected to respond 24/7 and facilitate timely, accurate delivery, how do specialty stakeholders do it all and provide a positive patient experience? In this episode of Un-Scripted with Surescripts, we will explore the value-add services pharmacies and providers strive to give patients, hearing from Kroger Specialty and eMDs about how they aim to delight and deliver. The episode will focus on efficiencies being gained in specialty prescribing and fulfillment with partners like Kroger Specialty and eMDs. eMDs is automating the process of sending clinical information from the prescriber to the pharmacy Kroger Specialty is soon implementing solutions to streamline access to clinical information and has a focus on hands-on facilitation of filling specialty prescriptions to best serve patients   Guests: Alexis Wiles, PharmD, Clinical Pharmacist Liaison Supervisor, Kroger Specialty Cecelia Byers, PharmD, Clinical Product Manager, Surescripts (white black dress)  David Weigan, Project Manager, eMDs

Laura and Santiago discuss deposits & extended deposit dates.

Tune in for today's episode where Michael and Lori answer questions that we have received from listeners and members of the Roofstock Academy. We cover questions on property management, appraisals on all cash offers, editing lease agreements, wire transfers on EMDs, insurance assumptions, and renter's insurance. Please submit your questions as comments on YouTube for the next round! --- Transcript   Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Pierre: Hey, everyone, and welcome to the Remote Real Estate Investor Podcast. Today I'm joined by Michael Albaum and it is my distinct honor and pleasure to welcome Lori Ruddle. Lori, welcome to the podcast for the first time.   Lori: Thank you.   Pierre: Do you want to give a brief introduction for yourself?   Lori: Let's see right now, I am the Roofstock membership concierge and also one of the coaches.   Michael: Yeah, you are!   Pierre: Today we're going to be tackling some more questions that we got from members of the Roofstock Academy and also some listener submitted questions. So let's hop right into it.   All right, so let's jump right into the questions. So I'll just pitch these out to you and whoever's excited about responding to the question, feel free to pipe in.   Michael: Let's do it.   Pierre: First one here. Can you have a property manager, only qualified tenants?   Michael: Ooh, Lori… You are all over this!   Lori: Yes, I will do my best! You have the ability to do like have them do everything that they would normally do or you can piecemeal it out and do everything ala carte. So you prefer to do the screening, which is very uncommon, but perhaps you prefer to do the screening and then you can do the screening and have them handle the month to month. So like collection of rents, all those different kinds of things, so you can definitely piecemeal it out.   Michael: And then if you because I've had this question come up to if you wanted someone to only do the leasing piece of it, do you think that most property managers are open to doing that, like with a leasing agent, and then you do the actual management yourself?   Lori: It depends upon the location, like some location, you know, it depends on where you're located, because some locations, some areas have a higher percentage of you know, leasing done by realtors and others have a higher percentage that are done by property managers. So it really kind of depends upon where you're located. Like in my area, it's not very common for realtors to do leasing, so…   Michael: Yep, yeah, same for me. I was super surprised to learn that that was like something that Realtors did. I was totally foreign to me.   Lori: Yeah, so it depends.   Michael: Yeah. Okay, so I guess kind of, like so many things, ask reach out to the property manager, ask them? Is that something that they're open to and what the fee structure would look like if they are?   Lori: Yeah, and definitely check with the realtor that you've been using, if you're using one in that area, because maybe it's cheaper, maybe they do it one off, you just never know, it's just good to kind of find out which way is going to work better for you.   Michael: Yeah, super good point and even to that point, I love working and I've chatted with a lot of people about this in the academy. But I love working with agents who are also property managers, or vice versa. Because I always say you date your agent, and you marry your property manager and so if your agent sells you a crummy deal, they're off to the next transaction, you might never hear or see them again, but a property manager there with you for the long haul, assuming it's a good working relationship and so having an agent that also spotted manager, they're not going to want to sell you their own headache and something that I've also encountered is if they are if they do wear both hats, asking the property manager, hey, what is your leasing fee look like if I buy through you. So I actually worked with a couple property managers that didn't charge me a tenant placement fee, because I bought the property through them. So there could be some additional added benefits you can stack on just by using the same folks and personnel.   Lori: For sure and it's also you know, if you are utilizing a property manager or leasing or realtor, depending upon, you know, it may be more cost effective for you to do all of it versus just take out one small piece of it. So depending upon the pricing structure.   Michael: Super great point. So hopefully that was a very long winded way of getting to a semblance of an answer but great question.   Pierre: Let's stretch out that wind a little longer, I have one more…   Michael: Yeah, let's do it!   Pierre: A nugget to drop on there. Yeah, I know. We're we can't make recommendations of who you go to on this the show in particular, but you can look up this property management light companies as well, that allow you that provide exactly this service. So we've had a property manager on the show before that, that showed their product, which is very much like this. It's very minimal fees, and you could employ them to the degree that you want them involved in your property.   Michael: Yeah, yeah. Since you were appointed yeah, those companies it's kind of tech enabled companies are coming becoming more popular seemingly to for the ala carte style.   Pierre: Exactly.   Michael: Sweet.   Pierre: I consider that sufficiently answered…   Michael: Closed, signed, sealed onto the next one.   Pierre: All right, next one here. Can you add or change verbiage in a lease?   Michael: Oh Lori, this is your this is right up your alley too.   Lori: Yeah, this is right up my alley! Yeah. 100%. Um, they usually property managers, or if it's the realtor, they have, like a pre canned version that they use. But, you know, usually it's best to say, okay, have you included something about this or about that something that's important to you and usually, it's covered in the leases that they have but if not, you can absolutely added it.   Michael: So Lori, question for your pop fire question. Yeah, I had a really bad experience with a tenant. They trashed the house on the way out and so I want a $20,000 deposit security deposit for my next tenant. Is that something that I can add to the lease?   Lori: Well, you could try, but that's never going to happen. No one's ever going to agree to that.   Michael: Yeah, I think I think it's a super good point, like, is it within the realm of possibility. Another caveat, I would add is also make sure that it's legal to do because there are some things that, you know, if you added it to a lease, and someone signed it, and this is your kind of binding legal agreement, and then you had to go to court for some reason, someone could look at the lease and say, hey, this is illegal, like, you can't, this is an unenforceable lease, and the whole thing becomes moot. So definitely, don't just be adding things willy nilly work with your property manager working with local attorney to find out hey, is this is this legal in the state of which the lease is being enforced?   Lori: Yeah, and one of the things I always like to add is a rent increase for the next year. So you kind of like, kind of, you know, hit that before you even begin, you know, like, okay, if you stay in, if you want to sign on for a second year, then this is going to be the amount the increase will be.   Michael: That's so good!   Lori: …known entity, and you don't have to have that discussion, which can be awkward sometimes, or, you know, feel like that you have to negotiate some sort of rent increase. It's just a done deal.   Michael: It's just this is plain black and white language. I love that, I love that. One instance of when this happened, actually, not with regard to the rent increases, but I was listening to a podcast, and they were talking about this exact issue about adding certain things to the lease and so it was like a hold harmless clause about litigation, and the tenant basically waives the right to sue people. So I called my property manager and was like, hey, is this in our leases and he goes, I'm not sure let me check and he got with the attorney. He was like, dude, like, great call out. We're adding it to all of our leases now. So don't think that just because you're hearing about it for the first time that other people aren't as well and don't be afraid to ask those questions or make those suggestions.   Lori: But keep in mind with something like that. Yes, it's a hold harmless for sure. But that may or may not stand up in court.   Michael: Right, fingers, fingers crossed…   Lori: And it doesn't stop anybody, right. It definitely deters it and but it doesn't necessarily stop anyone from suing you.   Michael: Right as landlords often know, all too well.   Lori: Yeah, yeah   Michael: Signed, sealed, delivered. Next.   Pierre: Yeah, check. Let's go. Buying with all cash, is it a recommended practice to pay for a professional appraisal before making an offer?   Lori: You should take this on Michael.   Michael: So before making an offer, I wouldn't say so. I don't think I've never gotten an appraisal prior to making an offer oftentimes, that especially in today's market, we're recording this mid-August 2022, you also have to shoot first ask questions later, sort of a thing. So get your offer out there, get it accepted, get into the due diligence phase, and then figure out all of your questions that need answering and I actually have also never used an appraisal contingency when making an all cash purchase. A lot of agents will tell you investors will tell you that every contingency you have and your part of your offer weakens the offer. So the offer with the least amount. Is that Is that fair to say Lori?   Lori: 100%!...   Michael: Yeah, so…   Lori: …A realtor! Yeah, for sure. Never seen it!   Michael: Yeah. You've never seen it. You oh, you've never seen it with an all cash offer and appraisal contingency?   Lori: No, never.   Michael: Well, there you have it, folks. So I think it's maybe a wise thing to do for yourself, if that's something you need to do. But the I think the thought process behind it is that oftentimes, if you're making an all cash offer, you might be buying the property for less than market value or less than list and so you're building in some buffer there and so the appraisal doesn't really mean anything other than you're buying it based on what an appraiser thinks is fair market value, so all that to say…   Lori: Because, yeah, and the whole reason to buy with cash is because you can get a better deal, you know, yeah, and usually that negates a need for are any sort of appraisal anyway…   Michael: Yeah, I will send me I guess there's an argument to be made of will, hey, we're in a super-hot market properties listed for 100 but I come in 110, all cash. So I'm overpaying and if the appraisal did come back at 100, I mean, maybe there's an argument to be made that, hey, I can, I can negotiate with the seller to reduce the price to 100. But, again, you're just adding more contingencies to your offer. So it all comes down to like, how comfortable are you with the offer you're making with the market value that you can determine with the other tools and resources that you have at your disposal and then, like, if you're wrong, if the number if the market value is lower than what you're actually buying it for? Do you care? Does that mean if you're gonna buy and hold the thing for 10 years, which is my intent for a lot of these properties? I don't really care because like property, still cash flows really well. So, Lori, do you have thoughts kind of in that regard?   Lori: Yeah, I mean, I feel like with the, you know, anytime you're adding anything to be able to get out of the deal, you're lessening your bargaining power 100%. You know, like, you might as well just do it with a loan than why buy with cash, the whole point of cash is, so you have bargaining power…   Michael: Yeah, that's a great, that's a great question. I mean, what about putting in that as part of your offer, as, hey, I reserved, you know, this is an all cash offer, but I reserve the right to go get financing, if I decide to do that. Have you ever seen that?   Lori: You know, I've seen that and it didn't I mean, then then you're just like every other offer, you know, that's looking for a loan, you know, it's like, okay, well, then why would they, you know, you start getting the buyer, the seller, or the agent starting to question like, why are they doing that? Why are they adding that in there? Why are they adding one more obstacle to the purchase?   Mchael: Yeah, I love it.   Lori: Because it's a totally different ballgame. If you have a lender, then you have so many more hoops, you have to jump through…   Michael: Yeah and I think, too, and thinking about this, like, let's try to take off our investor hats for a minute and put on the seller hat and think about, okay, if I'm in the seller seat, and I get this these two offers, one has an appraisal contingency and one doesn't. How would I How would I respond and when we can think about that, and think about how do we set ourselves apart from all the other offers that the seller is seeing that helps shed light on the scenario as well…   Lori: Oh, 100%! Yeah, if I, when I've had multiple offers on one of my investment properties, I'm not looking at anything has any sort of contingency, and I definitely have preferred cash and picked cash because I know I can close in a couple of weeks.   Michael: Yeah and you probably took lower offers in cash than you would find the next one, man, we're just lining these up, knocking them down   Lori: and giving long answers…   Pierre: All right.   Michael: Big meaty answers, that's important!   Pierre: That's good, though, you know, you need to provide all the contexts around them. All right, next one here. How often does a buyer use the same property manager that the seller was using?   Lori: I would say like 70-80% of the time I've seen it. It also depends on how forthcoming the current property manager has been to the new buyers, I've had where, you know, the current property manager was a nightmare and didn't want to disclose anything they didn't have to and that didn't set them up. Well, they didn't get to manage the property moving forward with the new buyer.   Michael: What, as a follow up Lori, when do you think, like, what are the pros and what are the cons of staying with the same property manager, if you're an investor buying the property from a seller.   Lori: If you, if you keep that current property manager, they already know the property, they know the issues of the property. The negative would be that you're inheriting any issues that may have been a communication between the property manager and the tenant, you could have all sorts of you just don't know for sure, you know, so I'd say, you know, definitely favor the possibility of using the current property manager, but definitely do your research and make sure you have the best option available.   Michael: Totally. Yeah, I agree. 100% and one other thing I would add to that is if you are changing property managers, like stuff gets fumbled all the time. Like there's a lot of moving pieces, it just a real estate transaction and now we're adding a tenant and property management into the equation and so there's like a physical key handoff that has to happen once you close and then there's documents that have to get handed off and the tenant has to know where are they paying their rent and maybe they have to get on to a new property managers lease so there's just stuff that has to happen so it's not necessarily as plug and play as if you keep the same property manager so I guess I'm going to think about is even if you don't love the new property manager, stick it out for 30 days 15-30 days whatever just get the transaction piece done, let the dust settle and then you can go switch things are less likely to get missed I would I would get I would garner…   Lori: Or even wait till you know you it's time to renew the lease because the lease is going to follow the tenant. So they're not going to change, the lease doesn't get changed necessarily right away, it would follow the tenant. So if you know the lease was only a couple of months in, then you still have 10 months, so you have to follow that lease as the new owner and property manager.   Michael: Sweet! Pierre's speaking from experience.   Pierre: And don't be shy to change your property manager, though, if I'm speaking from experience, what we're going through right now, in this moment, I think we wait, we waited a little too long. We're paying the price, so…   Michael: You're not a real investor and so you fired a property manager…   Pierre: Is it simple for an account holder at your typical bank to wire the EMD online from your bank's website?   Michael: Great question. It depends. I've got, you know, I have I had that ability with my bank. But I don't think every bank offers that. So I would say just do your homework ahead of time and determine what that looks like for you and your bank and if it's physically possible, because if it is great, if it's not, that could be a problem. But the other piece of that I would say to as a follow up is not just the end, but the rest of your deposit. So my bank has an online weekly wire limits, which I've exceeded at times trying to do a deal and I was like, oh, crap, like, I gotta get into a physical bank branch to send the wire because they don't like doing that stuff over the phone. So just make sure that you've got your T's crossed, and I's dotted with regards to how you're physically going to get the money from where it currently is to where it needs to go well in advance of when it actually has to happen.   Lori: Yeah and also be really careful about wire transfers, because I have seen it happen and it was horrendous, where a person had like, they just emailed and got the wire information. But somebody had intercepted it and gave them a different wire transfer information and they wired, I think it was about 100,000 to a bank, never saw the money again. No, just be I'm just saying yeah, make the call. Call the institution that your wire transferring to, and make sure you get like someone telling you the information because I've seen it happen. It's not pretty!   Michael: Yes, we had, we had someone on the podcast a while back, and we were talking about this exact thing and so what Lori is talking about is when you receive the wire instructions, it's probably going to be from the title or escrow company, pick up the phone and call that title or escrow company and say, hey, tell me what you just sent me, I want to confirm the wire instructions and they're going to tell you the account number, the routing number, the bank address where it needs to go and then you can feel more confident that hey, this okay, I'm talking to the person that's on the other end the receiving end of this, as opposed to just a bank in the Seychelles or wherever off the coast…   Lori: Yeah, because once that wire transfer is done, it's done.   Michael: It's gone, yeah.   Pierre: Yeah. Nuts are just Bitcoin.   Michael: Oh, there you go but I guess if you transfer Bitcoin to an account that you didn't want it to, could you…   Pierre: You can get one character wrong, and that those bitcoins will never be asked, and again.   Michael: Bye, bye…Best day ever to wake it up…   Lori: Where the hell did this come from?   Pierre: Yeah. All right, we're gonna go to the next one here. Do lenders typically fund 80% of the appraised value, 80% of the purchase price or whichever is lower?   Michael: Lori, you want it?   Lori: Whichever is lower? Yeah... Any way they cannot give you more money…   Michael: Yes. It's the sad reality. So you got to take your purchase price, and then your appraised value, if you're getting an appraisal, but of course, if you're using a lender, they're going to make you get an appraisal and so we're going to take 80% of that and whichever is lower and a lot of lenders do, by the way, like aren't going up to 80%. LTV, I'm seeing 70 or 75%. LTV. So the 8020 rule is not a rule, I would say it's kind of a guideline and so ask your lender. Hey, how much what LTV? Can I get out? I got anything else on that one? Yeah, that's, that was an easy way to stay straightforward.   Pierre: Yeah, that's a that's an easy one. Next one here: What is a rough rule of thumb for calculating insurance costs for a rental when you are evaluating properties during that time before you're making offers?   Michael: I'll take a stab at this one! Yeah, so I have kind of two, two thresholds one is for a property purchase price of 150k or less, and the other is for 150k or more, and so on 150k or less, I see for like, strong quality insurance point eight to 1.2% of the purchase price. So if we just roll that straight up the middle on $100,000 house, if you're paying about 1000 bucks a year Insurance, I'd say that's probably pretty close. Now, could you go get insurance for 500 bucks 600 bucks a year? Probably that that exists, I would imagine. But what's it going to cover is the question we need to be asking and so if we're trying to save 2, 3, 4-100 bucks a year on insurance costs, but we're cutting out a huge subset of the coverages or taking a really high deductible, it might come back to bite us in the butt and so you don't need to become an insurance expert to invest in real estate. But you definitely want to have a base level of understanding of okay, what are the coverages that are available? What do they actually cover? So not just, hey, these are the checkboxes, I'm checking for coverage but what do they mean? How do they come into effect and then what do they cost and you'll see like, there are some really expensive coverages that might not be worthwhile and there might be some really cheap coverages that, absolutely, you should be paying the extra 20 bucks a year to get and so I think that point eight to 1.2%, will get you within the realm of closeness and insurance costs change over time to like, just like property values change over time, insurance markets harden and soften and I come from this world, for better or for worse and so the market has been hardened in like the last eight, nine years or so and so costs are going up. Now, we'd go to the subset of properties 150k, or more in terms of purchase price, and we're probably in that point five to point seven ballpark range. So if you're buying a property for $280,000, I would be shocked if you were paying $2,500 a year in insurance, you might be at the 14-15 $1,600 price point, again, for some really great coverage and so a lot of the reasoning behind that is might be getting too deep in the weeds here. But there's just a minimum policy amount that insurance companies charge, baseline doesn't really matter how little the coverage is. So you could be getting an insurance policy for a $10,000 house or an $80,000 house, those two policies might cost fairly similarly, because they're on the lower tier just of cost for the insurance company to issue that policy. As you start getting higher and higher, your cost of insurance tends to go down on a percentage, or $1 threshold dollar per square foot threshold. So Lori, I hope I didn't just get too deep in the weeds there. But any, any thoughts?   Lori: No, no, you are the insurance expert, I leave that to you…   Michael: If I am the expert here then we are all in trouble. But that's again, just a very rough ballpark rules of thumb, I would say and that's going to be for your dwelling policy itself. There are lots of different kinds of insurances that people can get. But the kind of the big ones are the dwelling fire or the landlord policy is what people often refer to that covers, like the structure itself, and then also some liability for the owner. But there are both on insurance policies as well that don't come standard and so you really need to understand, hey, if you're getting this insurance policy, what's not covered and that's a really great question to ask of your insurance carrier, it's often going to be but not entirely limited to, that's my legalese disclosure there, flood is going to be a separate policy as his earthquake, wind can or cannot be depending on the area. So you again, you need to really understand what are the natural hazards that are affecting this area? Is it in a flood zone? If it is, and you have a loan lender is likely going to require that you get flood insurance…   Lori: 99% of the time! Yeah!   Michael: Right, so if you're the person that's using all cash, and not getting their appraisal, I guess an appraisal probably wouldn't pick that stuff up. But if you're using an all cash offer, you want to be darn certain about if you're in a flood zone or not because no one might come to your rescue and tell you, oh, hey, by the way, investor, this is in a flood zone, please go get flood insurance. So you just again, want to understand what the exposures are in the area and talking to a local insurance agent is going to be I think one of the best ways to do that, if that's something you're not comfortable doing on your own, unless you're like a total NAT has nerd like me, which I hope no one else out there is…   Lori: Well, and flood zones are super common in certain areas, like we have in where I live, you know, it's like there's some definite flood zones, and then those are prime investor properties because nobody wants to purchase them to live in as their primary because you have to pay for flood insurance, and it can be quite cost prohibitive for someone who's, you know, in that income range and living in those properties. So, you know, but as an investor, it's absolutely doable.   Pierre: And Mike, so does fire insurance come standard in your current policy at your primary?   Michael: Yes. And so that's the biggest hazard that's being protected against in in a standard dwelling policy or landlord policy.   Pierre: And then a separate question across your portfolio. Do you require all of your renters to have renter insurance?   Michael: That's a really good question. Yes, I think like technically by the letter of the law they are supposed to, whether they are get it or not is a different issue I really pushing to have that kind of be the uniform across the board. But it's I think, if you asked me today a gun to my head does every single one your renters have it? I would probably say no…   Lori: I know that like, and different college towns, I know that they require it. So it's like, if you don't already have it, and you have to prove that you have it, then you have to purchase through them. So through the property manager, so that's also an option too.   Pierre: Yeah and is there like a standard process because I know that when you're renting, you kind of as you're signing the lease and collecting all of the papers, you require them to submit their insurance? What about when you renew the lease? Are you asking them to send in updated insurance proof for each renewal of the lease?   Lori: I mean, it's definitely a good idea to do, so. You know, it can just be you know, when you know, because you'll have a copy of their current renter's insurance and you'll see when it expires, and you can just say, hey, you know, part of the process, you know, you just put it in as an extra clause in the lease.   Michael: I think it's a great idea.     Pierre: All right. Final question from this lesson, I think we'll wrap up on this one, who will replace the property in case of total property loss as a part of replacement costs? Will the insurance company construct or pay cash to rebuild…   Michael: I love that everyone's asking this insurance questions. So it's gonna go like this. So I had two fires in a property.   Pierre: I was gonna throw that in the question, if your property catches fire, Michael, yeah, twice, what do you do   Michael: What do you do? So the insurance company is you are the insurance companies client and so the property manager can assist in this whole process and it is a process getting everything squared away and corrected. But the idea is that the insurance company is going to read pay to have the property rebuilt, they are not going to go find the contractors, they're not going to go pull permits, they're not going to work with the city to make that happen, that's going to be on you as the owner. So if you have a total loss strap in, because it's probably going to suck, but it can, it can be okay, like, don't freak out, something I would absolutely recommend doing is if the insurance company is not playing ball with you go get a public adjuster. This is someone who's an advocate for you as a client, they're often paid based on commission. So however much additional they're able to help you collect from the insurance company, they'll get a cut of that it's worth every stinking Penny, because without them, you wouldn't have a dime more than the insurance company is willing to give you. That being said, so the insurance company is going to pay to have the house rebuilt up to the limit of the policy, and the policy limit that's stipulated in the policy itself. So that's kind of the guiding light, if you will, as to how much the insurance company is going to pay.   Now, they are often going to give you a check to get the property construction started to kind of get the process underway. But if you opt to not rebuild the property, the amount of money that you're going to walk away with is likely going to be less than the number listed on your policy. So if you have $100,000 policy, and the house burns down, do not expect a check for $100,000. They're gonna say, okay, well, here's $40,000, to start get the property rebuilt and as you do that, they're likely going to give you incremental draws on the policy as the property is getting rebuilt or they might say, hey, you know what, here's 90 grand, you get the other 10% once the property is completed, or once the construction is X percent done, because they're going to say, hey, if you don't rebuild the property, if you're going to take the cash, we're going to give you less. So that's kind of in a nutshell how it works. It's a lot more nuanced than that the policy can respond in a number of different ways and so policy language is really beyond the scope of this show, and my knowledge to because every policy is little bit different. But if you have a replacement cost policy, that's likely how it's how it's going to go. If you have an actual cash value policy and ACV policy, it's going to be a little bit different. They're going to look at that $100,000 house and say, hey, it's 30 to 2030 years old, it's only worth 60 grand. Here's a check. 60 grand, thank you very much best of luck to you and so I think it's very, very, very important to evaluate, especially if you have a loan, especially if you have a loan, what type of insurance policy you're getting is a replacement cost or is it actual cash value? Replacement Cost is the stronger of the two. It's the safer of the two I would argue but it's the more expensive of the two on most single family homes are see replacement cost is for sure the way to go on multifamily if you can get it like I have. I have properties that were built in 1908. The insurance company didn't even give me the option for replacement costs it was here's the actual cash value, take it or leave it kind of a thing and with partial losses, that's where you can get in to real, real trouble. So again, I'm gonna step off my soapbox here for a minute and leave you all with that.   Pierre: Lori, do you have anything to add on that one or did Mike just…   Lori: No really, me it's pretty straightforward. I always like it, just simplify it. I always just say, you know, think about when you have a car and it gets, you know, you have an accident or whatever, it's the same kind of thing, you know, like, they're not going to go find you a new car, you know, to purchase, they're gonna give you the money and you have to handle the rest of yourself. So, yeah, so like a simplified version.   Pierre: Excellent. Thanks, Lori, for joining us. We're happy to have you back on.   Lori: Thanks.   Pierre: And thank you all for submitting your questions, keep them coming. We love answering your questions. You can submit them on iTunes or as comments on YouTube and we will catch you on the next episode.   Michael: Happy investing…

Um es kurz zu machen: Google ist es egal, welche Domain und Domainendung deine Website hat! Kann man als SEO also einfach jede beliebige Domain für neue Projekte wählen? Besser nicht! Warum das so ist, erfährst du in diesem Video. Die wichtigsten Punkte zusammengefasst: Warum war EMD früher so stark? Google wusste nicht, ob die Suche navigations-, transaktions- oder informationsgetrieben war. Google ist bei der Erkennung des Search Intents immens besser geworden als noch 2016/17. 2012 gab es bereits eine Abwertung von EMDs: https://www.sistrix.de/frag-sistrix/google-updates/exact-match-domain. Heute: Keyword Domains haben einen gaaanz leichten Pluspunkt, den man aber ignorieren kann. Google belohnt Brands (= starke Marken), die auch von Nutzern über die Google-Suche gesucht werden. Hier entstehen starke Entitäten, die Google zuordnen kann und deshalb können gerade Brands stark bei Google performen. Sonderfälle: Auf ü, ä usw. besser verzichten – lieber ae, ue usw. nehmen. Immer schauen, ob der Name evtl. rechtlich geschützt ist! Dann Finger weg! Ansonsten über alternative Domainendungen nachdenken: - .com immer gut - .de immer gut für Deutschland Man kann mit jeder Domainendung gut ranken, Google ist der Inhalt wichtig und nicht die Domainendung. Eher unbekannte Endungen können aber abschreckend auf den User wirken → Indirekt negativ für SEO, denn User vertrauen deiner Seite weniger (besonders wichtig für YMYL) Ab 2015: neue generische Top-Level-Domains - Für Google kein Problem - Denk an deine User: .nrw nicht sinnvoll, wenn du deutschlandweit aktiv bist oder sogar international ranken willst Quelle: https://developers.google.com/search/blog/2015/07/googles-handling-of-new-top-level

Dagens episode handler om opplesning av politiforklaringer i straffesaker. Dette temaet berører en praktisk problemstilling for dommere i skjæringspunktet mellom hensynet til effektivitet og hensynet til rettssikkerhet. I dette skjæringspunktet er EMDs artikkel 6 om rettferdig rettergang et viktig tolkningsmoment. Lagdommer med doktorgrad om EMK art. 13 Michael Reiertsen belyser temaet i samtale med Ragnar Lindefjeld.

Asle Hansen, Dagbladets barnevernjournalist (del 2): Asle Hansen er Norges mest anerkjente journalist om barnevernet, og for annen uke på rad møter Pastor Jan-Aage Torp ham til samtale i det kulturradikale Dagbladets hovedkvarter i Oslo. Denne gangen forteller Asle Hansen om betydningen som den internasjonale opinion og media har for endringer av norsk barnevern. Men han betoner også betydningen til europeiske politikere og ikke minst Den europeiske menneskerettsdomstol (EMD) i Strasbourg. Han greier ut om hva EMD foreløpig har tatt for seg: Tvangsadopsjon og samværsordningen. EMDs dommer har tvunget frem at norske domstoler har måttet ta affære. Hansen retter sterk kritikk mot den norske regjeringsadvokatens opptreden i den såkalte Lobben-saken i EMD, og han forteller om Pia Monclair-saken der en barnevernleder i Oslo truet henne til å vitne falskt i retten mot en familie. Nå står barnevernlederen for retten i Oslo om noen dager. Men Asle Hansen er ikke sikker på at norske politikere vil ta tilstrekkelig tak i barnevernets problemer.

What are EMDs and Escalation Clauses? What do they do (and not do)? Find out in this week's episode. YOU KNOW We'll break it down for you.SO MANY QUESTIONS YOU DIDN'T EVEN KNOW TO WORRY ABOUT!!!Join us! Don't worry, Cassandra and I will over-explain everything & we'll take your questions - Post in the comments and we'll do our best to answer!Welcome to the Agent Rachele & CEO Lender Show.Rachele Evers Contacts:Website: https://therachele.kw.com/FB: @AgentRacheleIG: @agentracheleLN: https://www.linkedin.com/company/76600293/Phone: 810-923-5421Cassandra Evers Contacts:Website: www.ceolender.comFB: https://www.facebook.com/ceolenderEmail: cassandra@ceolender.comPhone: 269-207-2193

Ways To Get Your Offer Accepted In A Seller's Market Ways To Get Your Offer Accepted In A Seller's Market You're finally ready to take the plunge and put in an offer on your dream house. You found something that is perfect for you and your family's needs and you're willing to pay the asking price. It's a sure thing, right? Not so fast. A seller's market means that there are more buyers than there are homes available for sale. It may mean that your full-price offer just isn't going to cut it. 1)Make Your Offer As Clean As PossibleA clean offer should not be contingent on the sale of another property or have other financial constraints. It should also be free of seller concessions, which are things that a buyer asks for outside of the offer price, such as help with closing costs. At DNA Realty Group we suggest if you ask for closing costs then increase the offer significantly to fit that into the equation. 2)Avoid Asking For Personal Property - Drooling over the sparkly chandelier listed in the exclusions? Don't ask for it. Want them to throw in that cool lawn furniture? Skip it. Your offer could be very similar in price to another offer that isn't asking for items that belong to the seller. Asking for excluded items could weaken your offer. 3)Write A Personal Love To The Seller - A simple way to increase your odds of getting your offer accepted is to write a personal letter to the seller. At DNA Realty Group we suggest that you pay attention to the home when you see it and if you have any commonalities include it in your love letter. Describe your family and why it would mean so much to you to be the new owner and to live in the area and to grow your family there. 4) Offer Above-Asking - This is not the market for making low offers and hoping someone will bite. You will have to make your offer strong enough to beat out a multiple-bid situation. If you want the house, you're likely going to have to go above the asking price. At DNA Realty Group we suggest you get realistic that you have to easily go $30,000 - $50,000 over asking price. 5)Put Down A Stronger Earnest Money Deposit (EMD) - Your earnest money deposit proof that you are a good-faith buyer. Usually, the real estate broker will hold onto your EMD and it will contribute to your down payment and closing cost. On average, EMDs are about 1% – 3% of the purchase price of the home. If you put a larger amount down, it may show that you are a serious buyer and that your intentions are genuine. At DNA Realty Group we suggest putting down 20% or higher if you can. Also to protect the money write that you will bring the remainder to the closing and only put down 3-5% up front to protect your money. Because you want to minimize the risk of your deposit. 6)Waive The Appraisal Contingency - An appraisal contingency can be given up as well – but, this poses the most risk unless you have enough cash to cover any potential shortfall between offered price and appraised price. David says "This is more risky and you have to work with a knowledgeable company in order to do it properly and as safely as possible." 7)Make A Larger Down Payment In Your Loan Program - No matter what type of loan you choose, offering to pay more down is another sign of good faith to your seller. As we've indicated with several of the previous points, anytime you can showcase that you're in a good financial position, you should do so. This situation is no exception to that rule. By putting down a larger down payment than you have to, you send the message that you're serious about the purchase and capable of meeting all financial obligations. 8) Add An Escalation Clause To Your Offer - An escalation clause means that your offer will outbid other offers up to a maximum price. This means that you make an offer saying you will pay X price for a home, but if a higher offer comes in, you will increase your offer to Y price. David from DNA Realty says "this has to be done right and presented only if properly prepare --- Support this podcast: https://anchor.fm/dnarealtygroup/support

00:00:00  Rappel : il y a des vidéos concernant   les épreuves sur la chaîne de EMDS    00:01:30  Question sur les PPE, les contextes imposés ou non    00:12:00  Epreuve E4 : présentation de l’épreuve, qu’est-ce qu’attend le   jury ?    00:19:05  E4 – E6 : c’est quoi la différence ? Description épreuve E6    00:23:50  Attention au lien qu’on met sur la fiche professionnelle pour les PPE    00:27:20  Date dépôt des dossiers. Fiche pro PPE, note    00:30:00  E6 : quoi rendre ? de quoi est composé le dossier ?    00:32:00  Tableau de synthèse : peut-on y mettre nos projets persos ?    00:35:26  Explications tableau de synthèse    00:45:32  Question problème de confidentialité et compte rendu de stage, et tableau   de synthèse    00:52:32  Veille juridique, veille technologique    00:56:35  Veille technologique, sujet large ? serré ? sur quoi on est   évalué ?    01:03:25  Pourquoi doit-on contacter/se rendre à l’établissement dans lequel va se   dérouler E4 quand on reçoit la convocation ?    01:09:25  La date des épreuves E4-E6 : si on a un empêchement, c’est   négociable ?    01:12:38  A quelle période on va recevoir les convocations ?    01:15:15  Durée stage : quid d’une tolérance COVID ? Et si jamais on a   pas réussi à faire les 10 semaines ?    01:17:25  Epreuve d’Algo : besoin d’une calculatrice ? quel   langage ? épreuve ?    

Today on The Total Media Network's What's Your Perspective Radio Show, Neil S. Haley and Keith Harris introduce our guest, Sheila Stine Harris, Chief Legal Counsel for eMDs

In this episode, we discuss improving SEO through domain level optimization tactics. Namely, choosing the right domain, keeping your domain/URL length short, optimizing subdomains, keeping your whois detail public and choosing the right hosting provider.  Domain names, even exact match domain names (EMDs) and how you treat subdomains, can have a huge impact on the relevance and quality of your SEO success. So, choose your strategy wisely.  What did you like from this episode? What could we change? What would you like to learn next?  Connect with us https://seo.co/ https://seo.co/blog/  https://link.build/  https://podcast.seo.co/ https://www.twitter.com/seodotco/ 

How much earnest money should I give? Does my earnest money go to the seller? Can it be forfeited easily? These are just a few of the questions we get about the earnest money deposit. Earnest money deposits are one of the most misunderstood components of a real estate transaction and we are to tell you that most of the information flying around about earnest money is wrong! Listen to this week's episode to get the truth about EMDs!

Isabel talks with Andrew Tucker, an ED-Q for the Welsh Ambulance Service. They discuss what makes the Welsh Ambulance Service unique, how to help EMDs develop empathy, and ways to make feedback a more painless process. For Your Information: Choose Wisely campaign: http://www.makingchoicestogether.wales.nhs.uk/home Read the Research Brief about CPR Barriers featuring Craig Sturgess's call: https://aedrjournal.org/do-cpr-calls-have-barriers/ Listen to the Craig Sturgess call: https://aedrjournal.org/craig-sturgess-anatomy-of-a-cpr-call-with-barriers-redacted-call/ ECCS: Emotional Content and Cooperation Score Want to get involved in a study? Have a question? Email us at dispatchindepth @ emergencydispatch (dot) org

Isabel talks with Andrew Tucker, an ED-Q for the Welsh Ambulance Service. They discuss what makes the Welsh Ambulance Service unique, how to help EMDs develop empathy, and ways to make feedback a more painless process.   For Your Information:   Choose Wisely campaign: http://www.makingchoicestogether.wales.nhs.uk/home Read the Research Brief about CPR Barriers featuring Craig Sturgess’s call: https://aedrjournal.org/do-cpr-calls-have-barriers/ Listen to the Craig Sturgess call: https://aedrjournal.org/craig-sturgess-anatomy-of-a-cpr-call-with-barriers-redacted-call/ ECCS: Emotional Content and Cooperation Score   Want to get involved in a study? Have a question? Email us at dispatchindepth @ emergencydispatch (dot) org

This week, the Virginia REALTORS® legal team discusses earnest money deposits. Laura and Jon talk about the risks involved for real estate licenses with regard to confirming that EMDs have been paid into escrow, particularly when it comes to the potential for identity theft. They also answer some questions from the legal hotline regarding how to handle EMDs both from the listing and buying sides of a transaction.

Serial Entrepreneur Michael Gargiulo spent years trying to acquire VPN.com, poured about $2 Million into developing it, and then identified a crucial need/opportunity to pivot. Hear a serial entrepreneur's perspective on EMDs (exact match domains), and how VPN will shape the future of our internet connectivity.

¡Muy buenas a todos! Ya estamos aquí otra semana para tratar como siempre, asunto relacionados con el SEO, el posicionamiento web y el marketing online. Hoy vamos con otro programa especial, ya sabéis que trabajo desde hace un tiempo para una agencia de Marketing de mi ciudad, desde entonces se me han planteado multitud de supuestos y de experiencias que me van genial para poder sacar temas de cara al podcast de SEO. En la última semana, he estado trabajando con un par de clientes que sufren una competencia muy Black Hat. Son nichos locales, con mucha competencia y bajo volumen de búsquedas, algo que hace que las estrategias sucias pasen más desapercibidas de cara a Google y las sanciones tarden más en llegar. Por eso, creo que es justo que os explique cómo luchar contra este tipo de sitios que no aportan al usuario y que se nutren de estrategias más oscuras para posicionar. Los tipos de SPAM Según Google, la definición para Spam web es: “Se conoce como «spam web» a las páginas que tratan de engañar a Google para mejorar su clasificación.” Pero ¿Qué es el SPAM? Bueno, la palabrita tiene su historia, su origen es una marca de comida en lata que se distribuía durante la segunda guerra mundial, y por la que años más tarde los Mony Python hicieron un sketch donde en todos los platos servían esta comida. No debía ser una comida muy sabrosa porque ahora cuando hablamos de SPAM hablamos de información basura. Vamos con diferentes tipos SPAM: * Web Spam: este es el que hemos identificado con la definición anterior de Google. Piensa en esa web que no aporta nada al usuario y que está posicionándose gracias técnicas que van en contra de las directrices de Google. Enfocadas a promocionar determinado producto o a mostrar publicidad. * SPAM en el correo electrónico: bueno aquí hay poco más que decir, hasta los principales proveedores de correo tienen una carpeta ya dedicada a este tipo de correos. Publicidad, publicidad y algún que otro príncipe africano que comparte su fortuna a cambio de un rescate. * Spam en Redes Sociales: este es uno de los más innovadores. Utiliza estos canales sociales para meternos contenido comercial en nuestro tablón, o perfil… sin pagar claro, que eso es lo que más les jode a los propietarios de las RRSS jj. Sectores más afectados por el web spam Ya lo sabemos, internet es enorme y ni siquiera Google puede controlar todas las webs que mete en su índice. Cada día está más cerca de lograrlo, algo que debería acojonarnos la verdad, pero lo cierto es que hay capas y nichos que estoy seguro todavía no llega a filtrar de forma automática. Sectores pequeños, con mucha competencia y que generan una intención de compra muy alta, se llevan el premio al SPAM y al uso de técnicas Black Hat para su posicionamiento. Ejemplos: cerrajeros, fontaneros, servicio técnico de maquinarias… fijaros que todas tienen un componente de urgencia, todos tienen que estar próximos geográficamente y todos te van a sacar un ojo de la cara por el desplazamiento. Bienvenidos a los nichos calientes. Si tecleáis cualquier keyword relacionada con estos nichos que os he comentado, me juego lo que sea a que entre los primeros 10 resultados vamos a encontrar EMDs. Efectivamente Dominios de nombre exactos. Este tema me toca especialmente la moral, porque es un sinsentido. ¿Por qué los dominios exactos posicionan mejor si ya se sabe que es una de las principales formas de posicionar webs SPAM? La mejor explicación, o por lo menos la que yo considero más factible, es la que comentamos con un compañero hace un tiempo en el trabajo. Es posible que Google interprete que el dominio es el nombre de marca, por lo que al buscar dicha KW en Google, podría ser que te devuelva prioritariamente los resultados de marca.... --- Send in a voice message: https://anchor.fm/hola-seo/message

When it comes to crisis management, law enforcement has one of the most challenging tasks. Not only does their crisis management involve real dangers and the important mission of keeping their communities and themselves safe and out of harms way, but it also includes a need for effective and nearly instantaneous communications. And while the former challenge has always been a part of their job description, the latter is relatively new with ever evolving real-time challenges. Challenges that can be difficult and grueling to overcome. Those of you who have followed me for a while know that I am dedicated to helping law enforcement agencies implement a 21st century crisis-ready culture. Whether it be through my work with law enforcement agencies, EMDs, cities and municipalities, or by leveraging my blog, podcast or #crisisready video series. This is why I was honored when Brian Willis reached out to invite me onto his podcast for his Excellence In Training Academy, which is “a membership site for law enforcement trainers who are committed to the pursuit of excellence in their life and in their training”. Brian does some amazing work within the law enforcement profession, including being the cofounder of WINx, an annual conference targeted for law enforcement professionals who aren’t happy with the status quo and are willing to be part of the growth and evolution of the law enforcement profession. Brian was also gracious enough to allow me to repurpose the podcast we recorded together and share it with all of you. It’s a dynamic discussion with lots of great advice and takeaways for the law enforcement profession, so be sure to tune in! Subscribe to the Crisis Intelligence Podcast! Subscribe and leave us a review on iTunes and/or Stitcher Subscribe via email Connect with Brian and Melissa About host, Melissa Agnes Learn more about Melissa Agnes Follow Melissa on Twitter: @melissa_agnes Connect with Melissa on LinkedIn Email Melissa directly: melissa@melissaagnes.com About guest, Brian Willis Brian has 25 years experience as a full time police officer. He received a Lifetime Achievement Award for his commitment and contributions to officer safety in Canada and was honored as the Law Officer Trainer of the Year in 2011. Brian also has 25 years experience as a law enforcement trainer. He works with law enforcement trainers who love to teach, are committed to their own learning and are passionate about helping their officers perform at their best. If you’re in the law enforcement profession and haven’t done so already, please check out Brian’s Excellence In Training Academy. I also encourage you to watch Brian’s TEDx talk: The Most Dangerous Weapon in Law Enforcement. Learn more about Brian and connect with him on LinkedIn Follow Brian on Twitter: @BrianRWillis Check out Brian’s consulting agency: Winning Mind Training Visit lifesmostpowerfulquestion.com to learn more about “what’s important now?” as a crisis management strategy Discover WINx and register to attend this year’s conference in Chicago! Listen to a past episode of The Crisis Intelligence Podcast with Brian Willis I’d like to extend a big thanks to Brian for welcoming me into his Excellence in Training Academy by means of this podcast. Our discussion is an important one and I look forward to continuing it and helping where I can.

In Ask A Realtor Episode 3, Jason explains what an ernest money deposit is. He also covers the importance of using professional photography when listing a home. Question 3 covers cap rates and how they're used to determine a good rental investment. 

On this Episode of the Semantic Mastery Podcast we talk about how to properly interlink your post to avoid over-optimization, Exact Match Domains and the launch of IFTTT SEO Academy 2.0. Join the IFTTT SEO V2 Waiting List: http://iftttseo.com/v2 More SEO Goodness and Tutorials at www.semanticmastery.com/humpday Music: Gramatik - Beep Bop Redesigned All rights reserved

Big companies like Amazon, Citigroup and Dell know the value of an exact match domain (EMD) – they own Diapers.com, Mortgage.com and CloudComputing.com, respectively. But smaller companies and upstarts can also benefit tremendously from EMDs. That was the case with Marty Metro and UsedCardboardBoxes.com.