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In hour one, Mike & Jason look back at the previous day in sports, plus they talk NHL playoffs & Canucks cap hell w/ Daily Faceoff's Frank Seravalli. This podcast is produced by Andy Cole and Greg Balloch. The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Media Inc. or any affiliate.
Contact your hostcharles_martin@appleinsider.comLinks from the showGoogle unveils $1799 Pixel Fold, the latest Android folding smartphoneGoogle returns to tablet market with Google Pixel Tablet & docking standGoogle releases affordable Pixel 7a smartphone with new AI capabilitiesDell's new monitor boasts 6K resolution & IPS Black display technologyNikon Z 8 camera arrives with 46MP sensor, 8K60 videoApple & Elon Musk Twitter hacker pleads guilty to cryptocurrency scamEU regulators ramp up probe into NFC tech at core of Apple PayApple has updated Shazam to add integration with Apple Music ClassicalSubscribe to the AppleInsider podcast on: Apple Podcasts Overcast Pocket Casts Spotify Subscribe to the HomeKit Insider podcast on:• Apple Podcasts• Overcast• Pocket Casts• Spotify
A delicacy is usually a rare and expensive food item that is considered highly desirable, sophisticated, or peculiarly distinctive within a given culture. Irrespective of local preferences, such a label is typically pervasive throughout a region. Often this is because of unusual flavors or characteristics or because it is rare or expensive compared to standard staple foods. Our theme song was written and performed by Anna Bosnick. If you'd like to support the show on a per episode basis, you can find our Patreon page here. Be sure to check our website for more details.
Has this boss crossed the line with his generosity, or is there something else going on? Take a listen!
Text "20 policies" to 208-213-8809 www.agencylaunch.net
April showers have brought May flowers and as winter transitions to spring, we here at DT!HQ are looking for something seasonal to celebrate! Unfortunately, we've already passed the Q1 holidays. So, in an effort to save this loosely constructed episode topic, we reached back into our collective high school trauma and decided to do a Prom Episode! Now, when I think of Prom, the first video game I think of is 1987's Punch-Out!! That's why this week we're asking the question, "Which Punch-Out!! Boxer would you take to prom?" Andrew ventured to the Great White North in search of a date and a gallon of maple syrup. Kyle is making an entrance with the power of dance and white leisure suits. Todd is actually still banned from DT!HQ Prom, so we invited a new friend to our Prom Group. Welcome, from the school district across the county (and also the Video Game History Foundation,) Kelsey Lewin to our fancy dinner reservation! Recommended reading: Special thanks to Kelsey Lewin for joining us on Debate This! today! Kelsey is the Co-Director of the Video Game History Foundation, co-host of the Video Game History Hour, and co-owner of Pink Gorilla Games. Check out Kelsey's stuff below! Check out Kelsey's Twitter HERE https://twitter.com/kelslewin Check out the Video Game History Foundation HERE https://gamehistory.org/ Check out the Video Game History Hour HERE https://gamehistory.org/the-video-game-history-hour/ Check out Pink Gorilla Games HERE https://pinkgorillagames.com/ The title of this week's episode was selected by our Patrons in our Discord Community! If you want to help us choose the next one, join our discord, and/or get some bonus content, become part of #ButtThwompNation at patreon.com/debatethiscast Have you seen our Twitter? twitter.com/debatethiscast Have you seen our Instagram? instagram.com/debatethiscast Want to send us an email? debatethiscast@gmail. Do you like it when we talk about comics? Do you like it when we say comic words into your lil ears? Would you like more content that includes us saying comic words into your lil ears? If you begrudgingly answered yes to any of those questions, check out our sister show, Avenge This! (back from a brief hiatus!) where ever you get your podcasts! Properties we talked about this week: Punch-Out!! (both the NES and Wii versions), Arm Wrestling, Carmen Sandiego, The Super Mario Bros. Movie, Saturday Night Fever Music for Debate This! is provided by composer Ozzed under a creative commons license. Check out more of their 8-bit bops at www.ozzed.net!
Chuck Zodda and Mike Armstrong try to answer why airfare, hotels, and cars are getting so very expensive. Michael Santoli, CNBC, joins the show to talk about how the markets have been reacting to the Fed over the last week. The US is set to propose new rules for airline cancellations and delays. Corporate giants buy up primary care practices at a rapid pace, why? San Francisco has many problems, its biggest might be empty office space. CKE Restaurant Holdings is replacing drive thru workers with robots.
Hello everyone! Welcome back to another episode of the Real Estate Investing Fast Track (formally known as Pave The Way Podcast). This week I have Tom Cafarella on the show! We talk about Tom's business in Boston and how he builds wealth through rental properties. Visit directmailclass.com to get my free guide about the top 5 fatal mistakes in direct mail.Visit www.greglikesdata.com for a free trial with PropStream - some of my favorite real estate software! To join Tom's Facebook group, visit agentinvestor.comTo contact me:Email me at greg@velocityhousebuyers.com or reach out on Instagram @grego_37
Popular budget-conscious and plant-based chef Toni Okamoto is back to make mealtime delicious, affordable, and easier than ever—with 100 vegan recipes for meal prep, one-pot and one-pan meals, make-ahead dishes, sheet pan suppers, and more. Get Your Copy HERE: https://www.amazon.com/dp/1637...=cm_sw_r_as_gl_api_gl_i_KXS78QV7SH2CJZ2597PJ?linkCode=ml2&tag=ashsaidit-20 When we're crunched for time, cooking something healthy and tasty often falls off our to-do lists. But with a little planning (and some smart recipes), eating well can fit into even the busiest day. In this follow-up to her bestselling Plant-Based on a Budget, Toni Okamoto turns her attention to recipes that save you time and energy in the kitchen—and, of course, save you money, too! In Plant-Based on a Budget Quick & Easy, Toni shares creative ways to cut down on active kitchen time without having to invest in a ton of expensive equipment or resort to pricey premade foods. If meal prep isn't your jam, never fear; Toni offers so much more. Chapters focus on time-saving strategies like make-ahead breakfasts, one-pot or one-pan dishes, sheet pan makes and casseroles, 30-minute mains, and even simple snacks and desserts. Many recipes can be made oil-free, and Toni offers plenty of adaptations for your pressure cooker and air fryer. For More On Plant-Based Life: https://plantbasedonabudget.co... ► Luxury Women Handbag Discounts: https://www.theofficialathena.... ► Become an Equus Coach®: https://equuscoach.com/?rfsn=7... ► For $5 in ride credit, download the Lyft app using my referral link: https://www.lyft.com/ici/ASH58... ► Review Us: https://itunes.apple.com/us/po... ► Subscribe: http://www.youtube.com/c/AshSa... ► Instagram: https://www.instagram.com/1lov... ► Facebook: https://www.facebook.com/ashsa... ► Twitter: https://twitter.com/1loveAsh ► Blog: http://www.ashsaidit.com/blog #atlanta #ashsaidit #theashsaiditshow #ashblogsit #ashsaidit®
RuPaul's Drag Race alum Darienne Lake shares intimate but hilarious anecdotes about her life; from growing up as the middle child in a large catholic family, to coming out at an early age as a drag queen and finding her chosen family and life purpose through humor and self-revelation. YouTube: https://bit.ly/3ymp1to Facebook: http://www.facebook.com/ComedyDynamics Twitter: http://www.twitter.com/ComedyDynamics TikTok: https://vm.tiktok.com/J1wucyQ/ Instagram: http://www.instagram.com/ComedyDynamics http://www.comedydynamics.com/ Learn more about your ad choices. Visit podcastchoices.com/adchoices
– Why do shares fall when rates rise? – How can you buy permanently expensive stocks? – What ETF might replace Super? – Why don't companies pay dividends monthly? – Why does the ASX follow the US lead? – Will my franking credits disappear if a company grows overseas? – How can I see if revenue is boosted only by inflation? See omnystudio.com/listener for privacy information.
You can become a Patreon and support more videos like this https://www.patreon.com/phillipmcknightKYG?fan_landing=trueHere are some other products from a dealer I trust and buy from onlinehttps://sweetwater.sjv.io/oejk7gKnow Your Gear Facebookhttps://www.facebook.com/Knowyourgear/My guitar set up tools https://stewmac.sjv.io/jWE9W6Want to have your product on an episode? Contact us herehttps://knowyourgearpodcast.com/want-a-review%3FSupport the show
In today's episode we discuss these topics which were requested by listeners:Performance anxiety vs debilitating anxiety; how channeling the former helps you execute betterThe bell curve relation of expensive gear and final image qualityCharging more but landing less clients as a way to increase net incomeThoughts around signing our work; canvas vs. fine art printsIf you have suggestions or topics for an episode, please feel free to write to us either through our personal instagram pages or through the podcast's instagram page. You can also send emails to info@thephotographermindset.comThanks to Rove Board Co for sponsoring this episode! You can check out their website below to see their full lineup of paddle boards, both traditional and inflatable!https://www.roveboards.com/Use Code "TPM10" for a 10% discount!Thanks to Tamron Americas for sponsoring this episode! Their MOTHER'S DAY SALE is on now through until May 28th 2023. Be sure to capitalize on hundreds of dollars worth of savings on Tamron lenses at your local or online photo retailer. You can also check out their website below to see their full lineup of camera lenses:https://tamron-americas.com/Thanks to OnCore Golf for being this episode's sponsor!Check out their award-winning patented perimeter weighted golf balls: https://www.oncoregolf.com/shop-golf-balls/Use code TPM15 for 15% off any order!Make a donation via PayPal for any amount you feel is equal to the value you receive from our podcast episodes! Donations help with the fees related to hosting the show: https://www.paypal.com/donate/?hosted_button_id=Z36E4SCB6D3LWBig shoutout to this week's #TPMartwork feature @monkeyandfox with his portrait of a rabbit munching through some grass blades. This is pretty damn good for a first wildlife photo ever so we had to celebrate. Congratulations Phillip! Be sure to check out more of his work and keep submitting to the hashtag for your chance to have your image featured and talked about on a future episode!Thanks for listening!Go get shooting, go get editing, and stay focused.@sethmacey@mantis_photography@thephotographermindsetSupport the show
This question can be painful to look at, but when you face it head on it is empowering because now you can do something about it. Tune into seven indicators that you may have an expensive hobby. Imagine yourself 12 weeks from now with a solid foundation to grow the business for the holidays. No more overworking or wondering if you are actually making a profit! Master Your Business is the program that will get you there with live training and coaching from me! Use code MYBPODCAST to save $200 off the program. And if it is past May 9th, get on the waitlist for a future program.Get everything you need to launch or grow your business with Food Business Success® and get two months free inside Fuel, our community of other food business founders + group coaching calls. Want a step by step checklist? Click here to get the free Whip a Biz You Love Workshop with a checklist.Already have a business and ready to take it to the next level? Master Your Business is the 12 week program to help you step into the CEO role your business needs to become profitable, sustainable and enduring. Check out my YouTube channel at www.foodbiz.tube for how to videos to start and grow a packaged food business.Join the free Private Food Business Success® Facebook GroupWant more help? Get 1:1 Business Coaching and full access to Food Business Success inside Sari Kimbell Coaching
After a Spring Break of their own, the Crew is back with an episode devoted to finances. Kathy, Kelsey, and Mads talk about the different costs associated with loss, including immediate expenses like funerals, burials, memorials as well as long-lasting impact. Kathy opens up about how her family's financial state changed after the loss of her dad, while Kelsey describes the behind the scenes finances involved with funeral planning. Mads talks about her experience with families in different financial situations and wanting to honor loved ones in the ways that will be the most meaningful.
Even though society at large continually rejects God, science advances. Our challenge, then, is to be able to meet this secular scientific thinking with a sound biblical alternative. Are we allowed to "monkey" around with human embryos? Are we allowed to wantonly reprogram the human genome?
Want extra content, live-streamed recording sessions and ad-free episodes? Check out our recast page: https://recast.tv/behindtheglassThis week Tony and I discuss:00:26 We're abit dated…06:15 I've fallen in love with Audi A8s and BMW 7 Series 10:40 Are different car brand owner stereotypes still a thing?14:38 I still love a G Wagon23:15 Car values are still going up…42:03 Why are online car auction sites getting so popular? Hosted on Acast. See acast.com/privacy for more information.
Can I retire at 58 with an expensive hobby? I don't want to be 70 and miss out on the amazing physical and mental experience that comes with my hobby. Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
What do military research boondoogles on astral projection, psychic boon-bending children, and extensive bouts of policy antics all have in common? Confirmation bias. Brian Brushwood and Justin Robert Young join the show to discuss confirmation bias vis a vis their hit podcast, "World's Greatest Con" World's Greatest Con: https://podcasts.apple.com/us/podcast/worlds-greatest-con/id1572307941
The Way the World Works: A Tuttle Twins Podcast for Families
The price of eggs has skyrocketed over the last few months. Today, Brittany and Ronni explain why this is happening.
For this episode, let's revisit a Strategy Skills classic from a 10 episode program to help our clients and customers measurably, radically transform their careers through The Author Program. How would your career, reputation, and earnings change as a published author? Imagine your client interactions when potential and current clients saw your thinking in a published book before they met you? Imagine the time you would save not having to explain your ideas and the value you could add to them? Imagine the fee premium you could earn? Imagine avoiding awkward meetings trying to establish your credibility? Imagine how many potential clients would find you and reach out to you? Learn more and see the application guidelines: https://www.firmsconsulting.com/experts-published-author-program/ Apply: email team@firmsconsulting.com Enjoying our podcast? Get access to sample advanced training episodes here: www.firmsconsulting.com/promo
If you would like to support this ministry and help us reach people all across the globe, you can do so by clicking here: or text ANY DOLLAR AMOUNT to 84321
Trying to find the best prices for your vacation this summer? Washington Post Travel Reporter Natalie Compton joins Rob Johnson and Jane Clauss on the Big 89 to debunk common flying conspiracies.See omnystudio.com/listener for privacy information.
Why should he worry? He could just mooch off his friends!Check out the Story Extras for this story at https://www.thunderrock.org/story-extras/too-expensive-for-their-tastes
Ravi and Rikki start today's episode with a healthy debate on participation trophies. Are these pointless plastic keepsakes ruining our childrens' hopes of ever knowing what it truly means to be a winner? Three Republican state senators from North Carolina seem to think so, introducing a bill in the legislature to ban participation trophies in youth sports. Then, the duo sits down with Harvard philosophy professor Ned Hall to talk about the university's new Council on Academic Freedom – an attempt from more than 100 faculty members to promote free speech and academic freedom on campus. Will this trigger other colleges to promote free expression? Finally, in an Apropos fashion, we end our episode talking about well… the end – death. Even when it's all said and done, why is dying in the United States so expensive? [02:34] - Participation Trophies [21:02] - Harvard's Council on Academic Freedom [53:44] - Why Is Dying So Expensive? [01:06:26] - Voicemails Leave us a voicemail with your thoughts on the show! 321-200-0570 Show notes: https://thebranchmedia.org/show/lost-debate/ Subscribe to our feed on Spotify: http://bitly.ws/zC9K Subscribe to our YouTube channel: https://bit.ly/3Gs5YTF Subscribe to our Substack: https://thelostdebate.substack.com/ Follow The Branch on Instagram: https://www.instagram.com/thebranch.media/ Follow The Branch on TikTok: https://www.tiktok.com/@thebranchmedia Follow The Branch on Twitter: https://twitter.com/thebranchmedia The Branch website: http://thebranchmedia.org/ The Lost Debate is also available on the following platforms: Apple: https://podcasts.apple.com/us/podcast/the-lost-debate/id1591300785 Google: https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vTERJNTc1ODE3Mzk3Nw Stitcher: https://www.stitcher.com/podcast/the-lost-debate iHeart: https://www.iheart.com/podcast/269-the-lost-debate-88330217/ Amazon Music: https://music.amazon.co.uk/podcasts/752ca262-2801-466d-9654-2024de72bd1f/the-lost-debate
Hey Everyone! This is Queer Insight NOT Queer Eye and we are here and queer for you. Come join us for a fun little Kiki and escape life! Leave us a rating and a review. Also, should we start a Patreon?Instagram: @qi_podEmail us: queerinsightpod@gmail.com
Leave a rating and review wherever you listen. It will help the show out in a big way. If that's not your thing, you can find us on social media herehttps://instagram.com/thejubalshowhttps://twitter.com/thejubalshowhttps://www.tiktok.com/@thejubalshowFor more podcasts, or to hear the entire show on demand, check out thejubalshow.com
This Monday on the Brett Winterble Show Brett dives into why flights out of Charlotte's major American-Airlines hub is getting more and more pricey. See omnystudio.com/listener for privacy information.
Great Swoleosophy today, don't miss it! Today's Accountability Meeting is at 12 Noon EST for members inside Swolenormous X. Submit A Question For The Show Join The SwoleFam APPAREL - Use code "DAILYSWOLE" for 10% off Download The 7 Pillars Ebook Watch The Daily Swole Try A Swolega Class From Inside Swolenormous X Get Your Free $10 In Bitcoin Questions? Email Us: Support@Swolenormous.com
Sasha and Peewee talk about flipping #thrift store, retail and garage sale items and all the bumps they experience along the way. Whether you're brand new to #reselling or just looking to gain some additional knowledge, listen to Flips and Bumps and lets help each other make some money!This week: -Al Gore Rhythm-Top 5 Highest Price Items We Sold In The Last 90 Days-Top Seller Shipping & Tracking Requirements-Tons of Garage Sale Finds-Flip or Bump of the Week-And Much More!New episodes every Monday at FlipsAndBumps.com or wherever you get your podcasts from@FlipsAndBumps on Twitter and InstagramEmail us any questions or comments you have at FlipsAndBumpsPodcast@Gmail.com#goodwill , #goodwillfinds , #resellercommunity , #resell , #reseller , #flip , #thrift , #pawn , #pawnshop , #garagesale , #garagesales , #estatesale , #fleamarket , #auctions, #bolo , #ebay , #ebaysales , #ebayseller , #ebayreseller, #videogames, #ebayresellercommunity, #podcast , #toys , #vintagetoys, #vintageclothing Flip Dat Turkey!
We often hear about new policies and programs that promise to improve the lives of Australians. But what about the issues that are too stigmatised, and seem to be taboo for policymakers to address? In this episode, we'll look at the skyrocketing costs of renting a property in Australia, which almost everyone agrees has put a lot of people under immense pressure. So why do we have this issue? And what can be done to change the system? - Em gelek caran li ser siyaset û bernameyên nû dibihîsin ku soz didin ê jiyana Australya baştir bikin. Lê li ser mijarên ku pir têne bêparkirin, û xuya dikin ku ji siyasetmedaran re tabû ye çareser bikin? Di v beşî de, em ê li lêçûnên bilind yên kirêkirina xanîyan li Australya binêrin, ku hema hema her kes dipejirîne ku gelek kes ketine bin zextek mezin. Ji ber vê yekê çima me ev pirsgirêk heye? Û ji bo guhertina sîstêmê çi dikare were kirin?
In this episode, we talk about the meat industry in Pakistan, key components of this sector, and why meat prices are going up in the country. Suleman Anwar joined us to share his insights on these topics, what a roadmap for reforms should look like, and why price caps will not work. Suleman is a six-sigma trained business development & turnaround professional, successful at driving sustainable top-line growth, improving customer retention rates, and continuous bottom-line improvements. After extensive corporate sector work for +14 years with international brands, in 2017 he started his entrepreneurial journey and co-founded three successful startups. He is also a member of SBN ExCom for Pakistan under the umbrella of the Ministry of Planning Development and Special Initiatives and has been a member of the working group of the State Bank of Pakistan on special initiatives. Chapters: 0:00 Introduction 1:45 Key components of the meat value chain 12:20 Synergies in agriculture sector 30:30 Cold storage and dairy supply chain 40:50 Role of incentives in policy 46:50 McDonalds in India 52:00 Contracts and property rights 57:28 Key reasons for meat inflation 1:05:20 Roadmap for change 1:13:15 Reading recommendations Reading Recommendations: - Char Admi by Amjad Saqib - Getting Things Done by David Allen - Diplomacy by Henry Kissinger Readings for McDonalds in India: - https://mcdonaldsblog.in/2016/10/20-years-the-potato-revolution/ - https://www.forbesindia.com/article/my-learnings/in-search-of-the-perfect-potato-mcdonalds-in-india/21052/1 - https://economictimes.indiatimes.com/industry/cons-products/food/we-source-all-our-ingredients-locally-mcdonalds-india/articleshow/17480753.cms?from=mdr
Part 3 Hunter Busted Trafficking Expensive Russian Hooker on Joe's Credit Card as Secret Service Panics; NO QUARTER for Pimps on C-19 Death SquadWe Cannot Say Much of the 'Really Good Stuff' on Here That's Why We Created Paine.tv YOU CAN CONTRIBUTE TO THE SHOW BY CLICKING THIS LINK -- *** DONATE HERE *** GET the Intel that's Too Hot For Anywhere Else at P A IN E. TV CONTRIBUTE TO THE SHOW BY CLICKING THIS LINK -- *** DONATE HERE *** ...
Part 2 Hunter Busted Trafficking Expensive Russian Hooker on Joe's Credit Card as Secret Service Panics; NO QUARTER for Pimps on C-19 Death SquadWe Cannot Say Much of the 'Really Good Stuff' on Here That's Why We Created Paine.tv YOU CAN CONTRIBUTE TO THE SHOW BY CLICKING THIS LINK -- *** DONATE HERE *** GET the Intel that's Too Hot For Anywhere Else at P A IN E. TV CONTRIBUTE TO THE SHOW BY CLICKING THIS LINK -- *** DONATE HERE *** ...
Part 5 Hunter Busted Trafficking Expensive Russian Hooker on Joe's Credit Card as Secret Service Panics; NO QUARTER for Pimps on C-19 Death SquadWe Cannot Say Much of the 'Really Good Stuff' on Here That's Why We Created Paine.tv YOU CAN CONTRIBUTE TO THE SHOW BY CLICKING THIS LINK -- *** DONATE HERE *** GET the Intel that's Too Hot For Anywhere Else at P A IN E. TV CONTRIBUTE TO THE SHOW BY CLICKING THIS LINK -- *** DONATE HERE *** ...
Part 1 Hunter Busted Trafficking Expensive Russian Hooker on Joe's Credit Card as Secret Service Panics; NO QUARTER for Pimps on C-19 Death SquadWe Cannot Say Much of the 'Really Good Stuff' on Here That's Why We Created Paine.tv YOU CAN CONTRIBUTE TO THE SHOW BY CLICKING THIS LINK -- *** DONATE HERE *** GET the Intel that's Too Hot For Anywhere Else at P A IN E. TV CONTRIBUTE TO THE SHOW BY CLICKING THIS LINK -- *** DONATE HERE *** ...
Part 4 Hunter Busted Trafficking Expensive Russian Hooker on Joe's Credit Card as Secret Service Panics; NO QUARTER for Pimps on C-19 Death SquadWe Cannot Say Much of the 'Really Good Stuff' on Here That's Why We Created Paine.tv YOU CAN CONTRIBUTE TO THE SHOW BY CLICKING THIS LINK -- *** DONATE HERE *** GET the Intel that's Too Hot For Anywhere Else at P A IN E. TV CONTRIBUTE TO THE SHOW BY CLICKING THIS LINK -- *** DONATE HERE *** ...
Fannie and Freddie are changing some rules that could make home loans more expensive for people with high credit scores, and less expensive for those at the low-end of that spectrum. Critics say the rules amount to an unfair subsidy for high-risk borrowers, but the GSE's say it's a misconception about what they are changing. Hi, I'm Kathy Fettke and this is Real Estate News for Investors. Please remember to subscribe to this podcast and leave us a review. You may have seen the headlines already. One says: “A Bigger Subsidy for Risky Mortgages.” Another says: “Upside Down Mortgage Policy.” Another says this new policy will “screw Up the Homebuying Market.” The headlines refer to a new rules from the Federal Housing Finance Agency regarding loan-level price adjustments or LLPAs for conventional loans. They officially kick in on May 1st, although some lenders have already been incorporating them into their fee structures. What's an LLPA? If you have a mortgage that's backed by Fannie or Freddie, you have paid or are paying this fee. LLPAS are fees that the government-sponsored enterprises charge when they buy loans from lenders. The fee is passed on to borrowers as a percentage of the loan and the amount is based on the borrower's risk factors such as credit score and down payment. People with higher risk factors pay higher LLPAs, and they can be paid up front or with higher monthly mortgage payments. Business Insider offers a few examples of how the new pricing structure will impact borrowers. 1 - Someone who might see an increase could have a credit score of 700 with a 20% down payment for a $300,000 loan. They would have previously paid 1.25% of that loan amount or $3,750. With the new fee structure, they'd pay 1.375% or $4,125, which is an increase of $375. (1) 2 - Someone who might see a decrease could have a credit score of 780 but a down payment of just 3%. Previously, they would have paid .75% on a $300,000 loan or $2,250. With the new rules, they'd pay .135% or $375. That's a $1,875 reduction. NAR, NAHB Opposed to the New Rule The National Association of Realtors is among those criticizing the rule change. It is encouraging the FHFA to rescind the new rule especially given the affordability issues facing home buyers. It suggests instead that: “The GSEs could simply reduce the fees for (higher risk) borrowers and maintain the others at the same cost—especially given the sharp decline in affordability over the last year.” (2) National Association of Home Builders CEO, Jerry Howard, told Newsweek: "In the short term, this may increase homeownership among the targeted group, but I'm afraid it could decrease homeownership among the middle class. I'm not sure that we're not robbing Peter to pay Paul here." (3) FHFA Defends New Rules FHFA Director Sandra Thompson issued a press release this week to “set the record straight.” She says: “Much of what has been reported advances a fundamental misunderstanding about the fees charged by the GSEs and why they were updated.” She says the pricing structure hadn't been updated for many years, and the new pricing structure is the result of a 2021 review. (4) The goal: “To maintain support for purchase borrowers limited by income or wealth, ensure a level playing field for large and small lenders, foster capital accumulation at the Enterprises, and achieve commercially viable returns on capital over time.” The overhaul has been done in steps over the last 18 months, beginning with fee increases for loans on second homes, high balance loans, and cash-out refi's. Then some fees were eliminated for first-time homebuyers with lower incomes but the means to meet their loan obligations. She says in her statement that this latest step is a recalibration of upfront tees that will make the housing finance system more resilient. Among the misconceptions, she says: 1 - Stronger credit borrowers are not subsidizing weak credit borrowers. She claims that fees generally increase for lower credit scores, despite the down payment. 2 - She says the new fee structure does not raise the fees for all low-risk borrowers. She says many borrowers with high credit scores or high down payments will see no change in their fees or even a decrease. 3 - She says the old framework was not perfectly calibrated to risk. She says it was essentially outdated, and is now better aligned for the performance of a mortgage relative to its risk. 4 - The new rules do not encourage low-income borrowers to pay a lower down payment to benefit from lower fees because they will also have to pay mortgage insurance premiums. 5 - The elimination of upfront fees is not for people with lower credit scores but for borrowers with lower incomes, and she says they are essentially supported by the loan fees for second homes and cash-out refi's (and not by good credit, high down payment borrowers). 6 - The changes are not intended to stimulate mortgage demand, but rather to advance the soundness and safety of the GSE's. The old and new fee structures are listed on the Fannie Mae website. You'll find links to those tables in the show notes if you'd like to compare. (5) (6) Impact on Real Estate Investors So how does this impact real estate investors? Shawn Huss of Warsaw Federal told RealWealth: “For investment lending, it has helped out in some situations with better pricing when you have a greater down payment or a two to four unit. For a multi-unit, Fannie used to charge 1.0 points in additional pricing. Now if an investor's credit score is 780 or higher, it is only .375%. Another example is pricing used to be 2.125 points in pricing for 70% loan-to-value. With the new pricing, at 70%, the pricing is better by .50 points which helps with lower rates.” The new pricing structure only impacts conventional loans – not jumbo loans, FHA mortgages, or other non-conforming loans. You'll find links to the stories I mentioned at newsforinvestors.com including the charts from Fannie Mae where you can compare the two pricing structures. And please, remember to hit the Join for Free button at RealWealth and subscribe to our podcast. Thanks for listening, Kathy Links: 1 - https://www.businessinsider.com/personal-finance/biden-fhfa-new-mortgage-fee-structure-2023-4 2 - https://www.nar.realtor/washington-report/nar-advocates-for-fhfa-to-maintain-affordability-for-all-homebuyers 3 - https://www.newsweek.com/biden-raises-costs-homebuyers-good-credit-help-risky-borrowers-1795700 4 - https://www.fhfa.gov/Media/PublicAffairs/Pages/Statement-from-FHFA-Director-Sandra-Thompson-on-Mortgage-Pricing.aspx 5 - https://singlefamily.fanniemae.com/media/33201/display 6 - https://singlefamily.fanniemae.com/media/9391/display
Dave Blezard joins us on an extended edition of After 9. Today we talk about the cost of concerts exploding, the LCBO dropping paper bags, Cheering on the Leafs, A flying fiasco, and lots more. Have a great weekend. Learn more about your ad choices. Visit megaphone.fm/adchoices
On this episode of SOSCAST, Adam Sosnick addresses Steven Crowder's MESSY Divorce and the most expensive divorce settlements EVER. Todays topics include: Shocking divorce statistics, ALARMING truth of modern women's future, Why social media puts too much pressure on men, The importance of staying the course Learn to get PAID, LAID and do it YOUR WAY - only on The SOSCAST! Follow Adam on social media: Instagram: https://www.instagram.com/sostalksmoney/ Facebook: https://www.facebook.com/SosTalksMoney/ Follow Natalya on Social Media: Instagram: https://instagram.com/natalyadelvalle Check out Derik's 3F Management: https://bit.ly/3HkQjI9 Follow Derik Fay on Instagram: https://bit.ly/40KWAU0 Follow Derik Fay on TikTok: https://bit.ly/40L2ogk Subscribe to Derik's YouTube channel: https://bit.ly/3Hm8QUq Subscribe to Melanie King's YouTube channel: https://bit.ly/3NlWijK Follow Melanie King on Instagram: https://bit.ly/3Vkg9BF Follow Tammy Torres on Instagram: https://bit.ly/3Lgm0n2 Follow Tammy Torres on Twitter: https://bit.ly/3V97phP Follow Tammy Torres on TikTok: https://bit.ly/3VeuJup FaceTime or Ask Adam any questions on https://minnect.com/ Subscribe for weekly videos: https://bit.ly/3IOBnQU Email: adam@valuetainment.com To reach the Valuetainment team you can email: info@valuetainment.com
Holmberg's Morning Sickness - Brady Report - Friday April 28, 2023 Learn more about your ad choices. Visit megaphone.fm/adchoices
The Rebel News podcasts features free audio-only versions of select RebelNews+ content and other Rebel News long-form videos, livestreams, and interviews. Monday to Friday enjoy the audio version of Ezra Levant's daily TV-style show, The Ezra Levant Show, where Ezra gives you his contrarian and conservative take on free speech, politics, and foreign policy through in-depth commentary and interviews. Wednesday evenings you can listen to the audio version of The Gunn Show with Sheila Gunn Reid the Chief Reporter of Rebel News. Sheila brings a western sensibility to Canadian news. With one foot in the oil patch and one foot in agriculture, Sheila challenges mainstream media narratives and stands up for Albertans. If you want to watch the video versions of these podcasts, make sure to begin your free RebelNewsPlus trial by subscribing at http://www.RebelNewsPlus.com
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“Dude, why is being alive so expensive?”—an actual sentence I said aloud to Henah back in January when my dog needed surgery, my husband and I got a giant tax bill, Henah's travel insurance wouldn't come through, and a formerly in-network doctor informed her she owed them a large sum since they were now (surprise!) out-of-network. (USA! USA!) One of the rudest awakenings of adulthood is the realization that simply paying for the boring stuff eats up a lot of your income, which can be incredibly demoralizing when you're trying to make progress. So which tactics (both financial and psychological) can help you plan for the mundane or unexpected? Will this ever stop, or do your financial problems just scale proportionally with your net worth? Learn more about our sponsor, Vin Social: https://www.vinsocial.vip Learn more about our sponsor, Droplette: https://droplette.io/. Use promo code MONEYWITHKATIE for 50% off. Learn more about our sponsor, Fidelity: https://fidelity.com/stocksbytheslice Transcripts can be found at podcast.moneywithkatie.com. — Mentioned in the Episode Money with Katie blog, "Being Poor is Expensive": https://moneywithkatie.com/blog/the-paradox-of-riches-being-poor-is-expensive Preventive care services in the US: https://www.healthcare.gov/coverage/preventive-care-benefits/ — Follow Along at Money with Katie: https://moneywithkatie.com/ Watch on YouTube: https://www.youtube.com/@MoneywithKatie Follow Money with Katie! - Instagram: https://www.instagram.com/moneywithkatie/ - Twitter: https://twitter.com/moneywithkatie - Sign up for free today: https://www.morningbrew.com/money-with-katie/subscribe/2 Follow the Brew! - Instagram: https://www.instagram.com/morningbrew/ - Twitter: https://twitter.com/MorningBrew - TikTok: https://www.tiktok.com/@morningbrew
Hey There! I hope you are having an awesome Monday! I can't even believe this, but we are almost to 100 episodes, so I am so excited to be giving away a few $25 amazon cards when we hit the 100th episode!!!!! The only thing you need to do to be in on the drawing is add a 5 star rating and review and take a screenshot of it and email me at monica@claimingsimplicity.com. I will read your reviews and announce the winners on the 100th episode!!!!!!! Get your rating and review in now!!!! I can't wait to hear from you!!!!! Getting more protein in your diet on a budget can be challenging, but it's certainly possible with some smart planning and food choices. Here are 3 tipsto help you save money. Incorporate more eggs into your diet. Eggs are excellent sources of protein and are generally more affordable even since the prices have gone up in price in the last year. There are so many different ways to make eggs. Since we do have chickens and have our own eggs, when we get more than we can eat, I will make up eggbakes, breakfast sandwiches, bowls and breakfast wraps and freeze them. This is such a great way to use up eggs, but also have the convenience of breakfast already ready on busy mornings when you don't have time to make breakfast. Another great way to get more protein on a budget is buy in bulk: Purchasing larger quantities of protein sources, such as chicken breast or ground beef, can save you money in the long run. You can portion them out and freeze them for later use. We usually buy ½ beef when farmers around us are butchering, and if you have the space to raise your own chickens-that is another way to cut cost and you probably won't buy chickens from the store after that because homegrown taste so much better! Also, to save money, if you are buying meat from the store, you can opt for cheaper cuts of meat: Cheaper cuts of meat like chicken thighs, ground beef, and pork shoulder are just as nutritious as more expensive cuts like chicken breasts or steaks, and they often have more flavor. Slow cooking or marinating these cuts can make them tender and delicious. Plan your meals: Planning your meals ahead of time can help you choose more affordable protein sources and prevent waste. You can also use leftovers to create new meals and save money. This is just a start of how to save money and reduce grocery expenses for protein, but it can save you quite a bit of money over the years. Hugs! Monica Website: Claimingsimplicity.com Join our Community of Christian Moms -> https://www.facebook.com/groups/claimingsimplicity/ Email -> monica@claimingsimplicity.com Instagram -> https://www.instagram.com/claimingsimplicity/
Ben Maller & Danny G. deliver mail bag fun for your Sunday! All questions sent in by new listeners & P1's of the #MallerMilitia! Download, subscribe, and remember that sharing is caring (unless it's an STD.) Follow Danny G. @DannyGradio and Ben on Twitter @BenMaller and listen to the original terrestrial radio edition of "Ben Maller Show," Monday-Friday on Fox Sports Radio, 2a-6a ET, 11p-3a PT! ...Subscribe, rate & review "The Fifth Hour!" https://podcasts.apple.com/us/podcast/the-fifth-hour-with-ben-maller/id1478163837 #BenMaller #FSRWeekendsSee omnystudio.com/listener for privacy information.
Ben Maller & Danny G. deliver mail bag fun for your Sunday! All questions sent in by new listeners & P1's of the #MallerMilitia! Download, subscribe, and remember that sharing is caring (unless it's an STD.) Follow Danny G. @DannyGradio and Ben on Twitter @BenMaller and listen to the original terrestrial radio edition of "Ben Maller Show," Monday-Friday on Fox Sports Radio, 2a-6a ET, 11p-3a PT! ...Subscribe, rate & review "The Fifth Hour!" https://podcasts.apple.com/us/podcast/the-fifth-hour-with-ben-maller/id1478163837 #BenMaller #FSRWeekendsSee omnystudio.com/listener for privacy information.
Her wealthy parents can definitely afford to help her out! They just choose not to. What advice would you give our Jr listener? Learn more about your ad choices. Visit megaphone.fm/adchoices
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