Podcasts about fairman

Bam Margera for Living Proof Radio. Full podcast episode now on Living Proof http://livingproofnewyork.comBam Margera is a professional skateboarder and cultural icon whose work helped bridge the worlds of skateboarding, independent filmmaking and mainstream entertainment.Emerging from West Chester during the 1990s, Margera first gained recognition as a pro skateboarder riding for companies including Fairman's Skate Shop, Toy Machine Skateboards, Speed Metal Bearings, Electric Sunglasses and Adio Footwear before becoming one of the most recognizable professional riders for Element Skateboards, a relationship that would define much of his skateboarding career.His ability to transform skateboarding culture into mainstream entertainment was unmatched for his time. As the driving force behind the CKY video series, he helped pioneer a new style of independent filmmaking that blended skateboarding, pranks, stunts and documentary storytelling, laying the foundation for what would become Jackass. Through projects including Jackass, Viva La Bam and Bam's Unholy Union, he became one of the defining figures of the early 2000s, introducing millions of people to skateboarding and the lifestyle that surrounded it.Interview now live for Living Proof New York Members, via our websitehttp://livingproofnewyork.com

Send us Fan MailWe return after a year's break with Harry Fairman as my guest. Harry has supported the Canaries for around 20 years and is a season ticket holder and follows the team away from home too. He recalls his earliest memories (Man Utd home win in 2012), his devastation when Emil Buendia left the club and how he was blanked by Darren Huckerby in the barbers!!He also provides his views on the current team and the high points of what has been a roller coaster of a season. Want to be a guest: email: loyalspodcast@gmail.com Facebook page: LoyalSupportersPodcast | FacebookTikTok:@loyalsupporterspodcast Twitter:TheLoyalSupportersPodcast (@LoyalSupportPod) / X  

Bill Fairman is a best-selling author, national speaker, and seasoned entrepreneur with 30+ years in private lending and real estate. A longtime AAPL member featured in multiple industry publications, he co-authored Drive to Success and believes strong relationships and learning from mistakes are the foundation of lasting success. As Co-Founder of Carolina Capital, Bill helps professionals preserve and grow their wealth through real estate–backed private lending. With over 11 years of strong fund performance and long-term investor loyalty, his firm is known for capital preservation, consistent returns, and transparent management. He works with accredited investors, high-net-worth individuals, and financial professionals. Recognizing that many rely too heavily on the stock market and want passive diversification, Bill offers a proven, hands-off approach to real estate investing. His mission is to help clients build stable, long-term financial legacies, and he welcomes investors to connect and explore the opportunities available through Carolina Capital. During the show we discuss: The types of real estate investment loans Carolina Capital offers, including fix-and-flip, construction, and multifamily financing How hard money and private lending work for real estate investors Why private lending often outperforms traditional banks for speed, flexibility, and deal execution Qualification requirements and what lenders evaluate when approving investment loans How fast closings and financing up to 100% of purchase and rehab costs help investors scale Key risks real estate investors face and how Carolina Capital helps mitigate them The value of partnering with an experienced lender that provides guidance beyond capital Resources:https:/billfairman.com https://carolina.fund/

All Bones Considered #080, Laurel Hill Stories, part 2   Fairman Rogers lived a life of elegant wealth, but made himself useful as an expert in many aspects of science, especially civil engineering. He was elected briefly as captain of the Troop. He also excelled was as a coachman, especially when he took his magnificent black and red four-in-hand through Fairmount Park. Philadelphia artist Thomas Eakins captured Rogers in a painting that is the first to accurately demonstrate motion in animals. 

Dr. Enrique Fairman – MN 76039 - Médico Cardiólogo – Vicepresidente de la Fundación Cardiológica Argentina @otraagenda1220.mp3

Join Big Mike for a dynamic conversation with Wendy Sweet and Bill Fairman, co-founders of Carolina Capital, as they unpack the evolving real estate landscape in 2025. Wendy Sweet, a licensed real estate broker in North and South Carolina for 35 years, blends her selling and lending expertise to guide borrowers and investors toward wealth-building through Carolina Capital's proven lending model. Bill Fairman, The Wealth Building Strategist, pivoted from a 20-year mortgage career after the 2008 crash to co-develop a diversified passive income model with Wendy, empowering investors to “become the bank.” In this episode, they dive into the Carolinas' steady market—still growing despite affordability hurdles—and explore how tariffs, rising FHA delinquencies, and potential recession risks could shape housing and lending. From the surge in private lending to opportunities in small-balance commercial (think strip centers and self-storage), Wendy and Bill share why corrections breed opportunity. They also discuss co-living trends, economic cycles, and why an indomitable spirit is key to thriving. Don't miss this roadmap to resilience and wealth in uncertain times!HIGHLIGHTS OF THE EPISODE00:00 - Welcome to the BigMikeFund Podcast00:18 - Intro: Bill Fairman & Wendy Sweet Return 01:22 - Carolina Real Estate: Steady Growth, Normalizing Market 03:12 - Affordability Challenges: Rising Costs, Roommate Trends 04:36 - Tariffs & Manufacturing: Minimal Impact, Southern Growth 06:48 - Lending Business: High Rates, Private Lender Surge 11:50 - Recession Risks: Housing, Rentals, and Inventory Shifts 15:35 - Commercial vs. Residential: Small Balance Opportunities 19:56 - FHA Delinquencies: Subprime Issues, Equity Cushion 23:48 - Economic Cycles: Bankruptcy Fuels New Business 27:29 - Faith-Based Group & Book Picks: Influence, Leadership If you found this episode substantial and want to dig deeper into real estate, or maybe you want to discover better investment opportunities, be sure to check out www.tempofunding.com.CONNECT WITH US:Website: www.tempofunding.comYoutube: https://www.youtube.com/channel/UCnJkdVoOsUy85ydkmot9iVA LinkedIn: https://www.linkedin.com/in/mzlotnik/Facebook: https://web.facebook.com/TFmanagementgroup/?_rdc=1&_rdr X: https://twitter.com/management_tfCONNECT WITH THE GUESTWendy Sweet Website: https://carolinahardmoney.com/ Linkedin: https://www.linkedin.com/in/wendysweethardmoneylender/ Bill Fairman Website: https://carolinahardmoney.com/ Linkedin: https://www.linkedin.com/in/bfairmancarolinahardmoney/ Full Transcript: Mike Zlotnik: Welcome to the BigMikeFund Podcast. I'm the Big Mike, Mike Zlotnik, and today it is my pleasure and a privilege to welcome back two of my really great friends, Bill Fairman and Wendy Sweet. And she's always super sweet. So, she's the sweetest person of them all. So, Wendy, Bill, great to have you back. How have you been? Bill Fairman: Great. Well, first of all, thank you. You're obviously scraping the bottom of the barrel because you're asking us back.  Mike Zlotnik:...

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Welcome to another episode of the Limitless Podcast! This time, Dr. Thaon Simms and Dr. Matthew Preston chat with Demetress Fairman, the renowned Jamaican finance YouTuber on a mission to create future millionaires.

Bill Fairman is a national speaker, best-selling author, and serial entrepreneur with over 30 years of experience in the mortgage banking industry. Over the years, Bill has made his mark in real estate as a fund manager by helping high net worth individuals grow their wealth and today, he is focused on providing education for individuals who want to create their legacy and build generational wealth.    Listen to this episode to learn more about building generational wealth through real estate and what you can do today to get on the right path in building your legacy!   Key Talking Points of the Episode   00:00 Introduction 01:18 What is Bill's background? 02:22 What does fund management look like for Bill at Carolina Capital? 05:08 How does culture impact the success of a business? 08:11 What is the importance of building generational wealth? 10:35 How does Tax Reinvesting work? 13:19 What important lessons has Bill learned through the years? 16:28 How important is joining a mastermind to your success? 18:07 Where does Bill's passion for education come from? 20:26 What is it like for Bill to be widely recognized in the real estate space? 22:47 What are the biggest deal breakers and deal makers in real estate? 25:43 What has it been like for Bill to co-author a best-selling book? 29:07 What does Bill like the most about being a public speaker? 32:32 What is Bill passionate about outside of real estate? 34:57 How can you connect with Bill and his team?   Quotables   “Most people don't make wealth quickly, you make it over time, and that's the easiest and most consistent way to do it.”   “If you don't do a bad deal while you're in this business, you're not doing enough deals because it happens.”   “Life is not worth living if you are constantly in pain or a burden on somebody else, and it's never too late.”   Links   Website: Bill Fairman https://billfairman.com/   Website: RCN Capital https://www.rcncapital.com/podcast    Instagram: RCN Capital https://www.instagram.com/rcn_capital/   Website: REI INK https://rei-ink.com/    Email: RCN Capital info@rcncapital.com

He is back. We're talking male nudity again with our friend Thomas Fairman from Wyld Men. Listen as Scott, Chris and Thomas strip down: •  How your view of your body effects every part of your life • Where body shame can weaken your masculine strength • What must you do  to see your body as beautiful #nudity #naturism #naked #bodyshame #penis #men #masculinity #faith #connection #shame #kindness #curiosity #arousal #desire #attraction #story #vulnerability #growth  Many thanks to Thomas Fairman for joining us. You can CONNECT with Thomas at https://www.wyldmen.com. You can CONNECT with Chris and Scott at https://www.sexcessfulmen.com. FIND UPCOMING RETREATS at https://www.wegotballspod.com We will be LIVE every week on Fridays, 11am CDT, on Youtubehttps://www.youtube.com/@WeGotBallsPod Get NEW MERCH at our online shop: https://illume.shop/collections/we-got-balls SUBSCRIBE NOW and CLICK THAT BELL so you don't miss any exciting episodes.

Sam Hobson Fairman, a fashion enthusiast and owner of Sauce Media and Relish Studios, shares her entrepreneurial journey. She emphasizes the importance of finding passion in your work and the value of networking, building relationships, and visions. We also discuss the role of leadership in conveying the vision to the team and maintaining a positive company culture. Follow Sam! Intro music was provided by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Gold Myth Music⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow us on Instagram! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@welcometothezupod

We will be LIVE every week on Fridays, 11am CDT, on Youtube https://www.youtube.com/@WeGotBallsPod. JOIN US! #men #masculinity #shame #kindness #curiosity #arousal #desire #attraction #story #vulnerability #growth Many thanks to Thomas Fairman for joining us. You can CONNECT with Thomas at https://www.wyldmen.com. You can CONNECT with Chris and Scott at https://www.sexcessfulmen.com. NASHVILLE RETREAT, December 5-8, 2024: https://www.eventcreate.com/e/mens-story-refuge Get NEW MERCH at our online shop: https://illume.shop/collections/we-got-balls SUBSCRIBE NOW so you don't miss any exciting episodes.

Get Surfshark VPN at https://surfshark.deals/tracklimits - Enter promo code Tracklimits for 83% off and 4 EXTRA months for FREE! In this dynamic podcast episode, we welcome two distinguished guests from the world of motorsport media: Matt Amys, Head of Content for Quadrant, Lando Norris's creator entertainment brand, and Katy Fairman, host of the Small Torque Podcast and a seasoned motorsports journalist. Join us as we delve into their fascinating careers, behind-the-scenes insights, and the unique challenges of content creation and journalism in the high-octane world of motorsports. The conversation kicks off with Katy Fairman discussing her impressive career and the work ethic that has propelled her to success in motorsports journalism. She shares her approach to preparing for high-stakes interviews with top drivers, including memorable experiences with Sebastian Vettel, and the unique challenges of covering motorsports events around the globe. Matt Amys then takes us into the world of Quadrant, offering a behind-the-scenes look at his role in planning and producing content for Lando Norris's entertainment group. He shares some of the most memorable and challenging shoots, providing a glimpse into the logistics and fun of creating engaging content with one of F1's brightest stars. Both guests reflect on the balance between work and passion in their respective fields. Katy recounts her travel struggles, including a dramatic journey to Mexico interrupted by a tornado, while Matt discusses the humorous incidents and difficulties encountered during filming for Quadrant. We explore the unique aspects of motorsports journalism and content creation, with both Matt and Katy offering insights into the ever-evolving digital landscape of motorsport media. They discuss the importance of innovation in content creation, strategies for handling negativity, and the fulfillment of bringing unique motorsport stories to life. Here are Katy & Matt's socials so you can follow them on their journey: https://www.instagram.com/katymotorsport/ https://www.instagram.com/mattamys/ Make sure to subscribe, review and follow us on our socials: https://www.instagram.com/tracklimits/ https://twitter.com/tracklimits_pod/ https://www.tiktok.com/@tracklimitspod Join our mailing list to learn more about Track Limits: https://www.tracklimitspod.com/ We have launched our MERCH STORE with some exclusive items. Unlock free shipping worldwide using the code FREESHIPPING at https://shop.tracklimitspod.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Send us a Text Message.Hold onto your bagels, folks! This week, we're serving up something extra special. Join us as Neil drops by for some vodka on the rocks and spills the beans on his incredible journey. We talk with Neil about his Montreal frozen bagel stash and all the incredible South Florida development projects Neil has been involved with. Get ready to race through his love for fast cars, his adventurous college dropout story and traversing Iran, Afghanistan, and India, and his rise to the top of the development world. From navigating industrial warehouses in Montreal to tackling major projects in Russia, and now leading the Magic City Innovation District – Neil's ride is as wild as it gets.Tune in for an episode full of laughs, inspiration, and maybe a few surprises. You don't want to miss this one! Looking to dive deeper into the Miami commercial real estate scene? Well, you've stumbled upon our favorite topic of conversation. So, whether you're a curious beachcomber or a seasoned investor, drop us a line at info@gridlineproperties.com or dial us up at 305.507.7098. Or if you're feeling social, you can stalk us on LinkedIn and connect with us there. Let's make some waves in the 305 real estate world together! Ben Hoffman's bio & LinkedIn ( linkedin.com/in/ben-hoffman-818a0949/ ) Felipe Azenha's bio & LinkedIn ( linkedin.com/in/felipeazenha/ ) We extend our sincere gratitude to Büro coworking space for generously granting us the opportunity to record all our podcasts at any of their 8 convenient locations across South Florida.

#17: In this podcast episode, private lending and fund manager Bill Fairman shares strategies of taking someone's assets from $300k to $1.9 million using the power of compounding interest. He discusses his journey from the 2008 market crash to today and some of the very exciting things he is teaching others. Whether you're an investor, lender or entrepreneur this episode offers valuable insights into wealth building and achieving financial goals. Bill Fairman is a best-selling author, national speaker, and serial entrepreneur who has been in the mortgage banking industry for 30+ years.

www.sdelamare.blogspot.comwww.taletellerclub.com

My chosen book today is read by Kirks Voice...Robots Forever!!!! More robots and futurism on my site of course www.taletellerclub.comPaul W. Fairman, a versatile writer and editor, contributed to various genres under his own name and pseudonyms. His detective story “Late Rain” appeared in the February 1947 issue of Mammoth Detective, while “No Teeth for the Tiger” graced the pages of the February 1950 edition of Amazing Stories1. Fairman's literary journey extended beyond detective fiction, encompassing science fiction as well.Here are three intriguing science fiction short stories by Paul W. Fairman:Deadly City: The protagonist awakens in darkness, pain throbbing in his head. His touch reveals a lump—a safety precaution, perhaps. The story unfolds against the backdrop of an alien invasion in Chicago, where a handful of survivors grapple with a deserted city and impending annihilation.Secrets of the Martians: Set in a colony where few have encountered Martians, this tale explores unexpected trouble. Spencer's death and Rex Tate's entrapment hint at Martian involvement. What secrets lie hidden?.Traitor's Choice: Kendall faces a harrowing decision: defy the aliens and risk Clare's gruesome fate, or comply and doom an entire planet. The weight of responsibility rests heavily on his shoulders2.These stories, rich in suspense and imagination, offer glimpses into otherworldly realms and the choices that shape them. If you're intrigued, you can explore the full audiobook recording of “Three SF Short Stories by Paul W. Fairman” on LibriVox2. Fairman's legacy continues to captivate readers and listeners alike.

Join our host, Vic Faust, as he engages in a riveting discussion with Sophi Fairman from PigCareers.com!

Getting naked doesn't have to be a shameful thing. Your body was made to be good and to be celebrated in caring and boundaried ways. Join Chris, Scott and their friend Thomas Fairman as they discuss all things nudity, masculinity and body. #arousal #desire #shame #attraction #story #vulnerability #body #men #masculinity #naturism #nudist #nude #natural You can connect with Thomas at https://www.wyldmen.com. SUBSCRIBE NOW so you don't miss any exciting episodes. You can CONNECT with Chris and Scott at https://www.sexcessfulmen.com.  

That's right, the gang is back together! We're joined by Katy Fairman ahead of the new Formula E season which kicks off this week. Why should you watch it? Which new tracks are on the calendar? And how did Tommy nearly crash the new Gen3 car? We've got all the answers.You can sign up to our Patreon here! You'll get access to exclusive episodes you won't hear anywhere else, every P1 episode ad-free, full driver interview videos, early access to tickets and more!Follow us on socials! You can find us on Twitter, Instagram, Twitch, YouTube and TikTok. Hosted on Acast. See acast.com/privacy for more information.

Gabriel Fairman, Founder and CEO of Bureau Works, joins SlatorPod to talk about the potential of generative AI in translation management. Gabriel shares the origin story of Bureau Works, where over the years his perspective shifted towards viewing translation as an information management challenge, leading Bureau Works to transition into a tech-enabled business.Gabriel discusses the challenges and opportunities presented by large language models, touching on issues of cost, workflow integration, and the potential for a more interactive and fluid translator-computer relationship.Gabriel rejects the idea of comparing language models like GPT to human translators, viewing them as aids to improve the human experience rather than alternatives.Gabriel Fairman explains the flexibility of Bureau Works' UI, which aims to optimize productivity and a sense of authorship, in contrast to the repetitive and frustrating nature of traditional machine translation post-editing.BWX is concentrating on simplification in 2024, introducing features like the learning terms tool, and aiming to integrate translation seamlessly into various tools and simplify project creation and management.

A long lost Egyptian royal cache, theft, and a moral conundrum. It can only be one of the greatest Egyptian films of all time, The Night of Counting the Stars. In this episode, I shall look into the fascinating background information of the film, asses its historical accuracy, and review the film.Email: mummymoviepodcast@gmail.comBibliographyAfrica in motion. (2023). Al-Mumia: The night of counting the years 1969. Retrieved from https://www.africa-in-motion.org.uk/ Aldred, C. (1979). More light on the Ramesside tomb robberies. In J. Ruffle, G. Gaballa, and K. Kitchen (Eds), Glimpses of Ancient Egypt: studies in honour of H. W. Fairman (pp. 96-99). London: Aris and Phillipsal-Salām, S. A., & Toufic, J. (1999). The Night of Counting the Years (aka The Mummy). Discourse, 21(1), 89-126. Belova, G. A., & Graefe, E. (2010). The royal cache TT 320: A re-examination. Der el Kutub. Broekman, G. (2018). The 21st Dynasty: The theocracy of Amun and the position of the Theban priestly families. The Coffins of the Priests of Amun: Egyptian Coffins from the Collection of the National Museum of Antiquities in Leiden, 13-20. Cinema Sojourns. (2022). The Night of counting the years. Retrieved from https://cinemasojourns.com/ Cooney, K, M. (2009). Private sector tomb robbery and funerary arts reuse according to West Theban documentation. In Toivari-Viitala, J, Vartiainen, T, and Uvanto, S (Eds), Deir el-Medina Studies: Helsinki, June 24-26, 2009: proceedings (pp. 16-29). Helsinki : Suomen Egyptologinen Seura ry.Ikram, S. (2001). The iconography of the hyena in Ancient Egyptian art. Mitteilungen des deutschen archaologischen instituts abteilung Kairo, 127-14IMDB. (2023). The night of counting the years. Retrieved from https://www.imdb.com/?ref_=nv_homeJohnston, J. (2013). Rewriting History: Shadi Abdel Salam's ‘The Night of Counting the Years'. A. Dodson et al. A Good Scribe and An Exceedingly Wise Man: Studies in Honour of WJ Tait, 168-176. Rotten Tomatoes (2023). The night of counting the years. Retrieved from https://www.rottentomatoes.com/ Hosted on Acast. See acast.com/privacy for more information.

Murder, mystery and romance, it's all here in the 1981 film, Sphinx! In this episode, a trained archaeologist and Egyptologist looks into the background information, asses the historical accuracy, and reviews the film.Email: mummymoviepodcast@gmail.comBibliography Aldred, C. (1979). More light on the Ramesside tomb robberies. In J. Ruffle, G. Gaballa, and K. Kitchen (Eds), Glimpses of Ancient Egypt: studies in honour of H. W. Fairman (pp. 96-99). London: Aris and PhillipsCarter, H. (1923). The Tomb of Tutankhamun: Volume 3: The search, discovery and clearance of the antechamber (Vol. 1). Bloomsbury publishing. Hart, G. (2005). The Routledge dictionary of Egyptian gods and goddesses. Routledge. Hornung, E., HILL, M., & Burton, M. (1991). The Tomb of Pharaoh Seti 1/Das Grab Sethos'1. Zurich and Munich. IMDB. (2023). Sphinx. Retrieved from https://www.imdb.com/?ref_=nv_home Janssen. (1970). Commodity prices from the Ramesside Period. Leiden: BrillJones, M. (1990). The temple of Apis in Memphis. The Journal of Egyptian Archaeology, 76(1), 141-147. Kitchen, K, A. (1983). Ramesside inscriptions: historical and biographical. Volume V. Oxford: BlackwellKitchen, K, A. (2012). Ramesside inscriptions: translated & annotated: translations. Volume VI. Oxford: BlackwellRotten Tomatoes (2023). Sphinx. Retrieved from https://www.rottentomatoes.com/ Hosted on Acast. See acast.com/privacy for more information.

While no business can be 100% recession-proof, you can become recession resistant and wildly successful in most markets. Bill Fairman and Wendy Sweet run a family business that includes owning short-term rental properties, self-storage facilities, and buying and selling certain properties. But their main thing is... lending. As private lenders with years of experience, they share their real estate expertise on how to protect and build your income with smart investing strategies. You'll enjoy the different ways to get creative with investing! Wendy & Bill's Website: https://www.carolinahardmoney.com/ Email To Contact: Bill@carolinahardmoney.com

Get investing with Freetrade! Receive a free share worth £10-£100 when you sign up to Freetrade using freetrade.io/tll You'll need to fund your account with £50 and be a new 18+ customer in the UK. Capital at risk. The probability is weighted, so more expensive shares will be rarer. Other terms and conditions apply. See here for details: http://freetrade.io/tll #AD Katy Fairman and Ciaran Stroll F1 talke the CHAOS of the Monaco Grand Prix! Katy chats WTF1 and they debate the possible return of Honda with there deal at Aston Martin! To watch & listen to the FULL podcast here: Listen on Spotify -  https://open.spotify.com/show/1H9KOhG8cBmI0WbL3ZQNdJ?si=d697634073a742c0 Tommo: https://youtube.com/c/TommoOnYoutube https://twitter.com/TwommoF1 Niran: https://www.youtube.com/user/FlyingNirangatang https://twitter.com/theofficialfng Katy: https://twitter.com/katyfairman?t=YXAzQfkOhSDA0zECkYCYyg&s=09 Ciaran: https://www.tiktok.com/@ciaranstrollf1

This week, we chatted with Katy Fairman on the podcast, motorsport writer and content creator with six years of experience and bylines in Sports Illustrated, WTF1, Formula E and more! Tune in as we chat about things media, both traditional and new, and how it continues to evolve along with the popularity of the sport. Hosted on Acast. See acast.com/privacy for more information.

Ep. 108: Josh Fairman of Sunsquabi & LVNDR.SOUND Weird Music Podcast is all about learning from inspirational musicians and music industry entrepreneurs about how to channel creative energy. This episode features producer & musician Josh Fairman, who plays bass and synth in Sunsquabi as well as his new project LVNDR.SOUND with Perception Records. Josh talks about being an artist, life on the road, where music is headed, and much more. Enjoy! Check out LVNDR.SOUND here: https://www.lvndrsound.com/ And find tickets to Sunsquabi tour here: https://www.sunsquabi.com/tour-dates Perception Records: https://www.perceptionrecords.com/ And let us know if you'd like a handmade ice-dyed Weird Music Podcast t-shirt! — https://forms.gle/Ri5grzaMoC4QUXRU8 Produced by: Katie Daly Sponsored by: VooDoo Ranger ( https://www.newbelgium.com/beer/voodoo-ranger-ipa/ ) Thrax CBD & THC ( http://thrax.shop/ ) JNJ Distribution ( https://jnj-distribution.com/ ) We are very grateful for our generous listeners & sponsors! Feel free to give a tip on Venmo — @Cam_Elkins

In this re-released episode, we dive into, The Awakening, staring Charlton Heston from 1980.Email: Mummymoviepodcast@gmail.comBibliographyAldred, C. (1979). More light on the Ramesside tomb robberies. In J. Ruffle, G. Gaballa, and K. Kitchen (Eds), Glimpses of Ancient Egypt: studies in honour of H. W. Fairman (pp. 96-99). London: Aris and PhillipsCline, E. H. (2006). Thutmose III: a new biography. University of Michigan Press.Kitchen, K, A. (2012). Ramesside inscriptions: translated & annotated: translations. Volume VI. Oxford: BlackwellMiddleton, R. (1962). Brother-sister and father-daughter marriage in ancient Egypt. American Sociological Review, 603-611.Roehrig, C. H., Dreyfus, R., & Keller, C. A. (2005). Hatshepsut, from queen to Pharaoh. Metropolitan Museum of art.The Awakening. Retrieved from https://www.boxofficemojo.com/Wilkinson, R. H., & Reeves, N. (1996). The complete Valley of the Kings: tombs and treasures of Egypt's greatest pharaohs. Thames and Hudson. Hosted on Acast. See acast.com/privacy for more information.

In this episode, we dive into, The Awakening, staring Charlton Heston from 1980.Email: Mummymoviepodcast@gmail.comBibliographyAldred, C. (1979). More light on the Ramesside tomb robberies. In J. Ruffle, G. Gaballa, and K. Kitchen (Eds), Glimpses of Ancient Egypt: studies in honour of H. W. Fairman (pp. 96-99). London: Aris and PhillipsCline, E. H. (2006). Thutmose III: a new biography. University of Michigan Press.Kitchen, K, A. (2012). Ramesside inscriptions: translated & annotated: translations. Volume VI. Oxford: BlackwellMiddleton, R. (1962). Brother-sister and father-daughter marriage in ancient Egypt. American Sociological Review, 603-611.Roehrig, C. H., Dreyfus, R., & Keller, C. A. (2005). Hatshepsut, from queen to Pharaoh. Metropolitan Museum of art.The Awakening. Retrieved from https://www.boxofficemojo.com/Wilkinson, R. H., & Reeves, N. (1996). The complete Valley of the Kings: tombs and treasures of Egypt's greatest pharaohs. Thames and Hudson. Hosted on Acast. See acast.com/privacy for more information.

Bill Fairman (00:01): Greetings, everyone. We are live. Thank you for joining us. Wendy will not be with us today. She is currently at, I don't know, 30,000 feet on, on an airplane. So we're gonna talk about the year end review, even though the year isn't over with yet, but I don't know what much more will transpire between now and the first. So we're gonna, I'm do a, I'm, we're in a review today and we'll get to that right after. It's funny, that graphic we're showing the, the passive income gang. Yeah. With all the money flying. I'm going, that looks kinda active to me. ,   Jonathan Davis (00:59): He makes so much money passively, he just actively throws it away. Is that what Yeah, I guess that's   Bill Fairman (01:03): The, so by the way, welcome to the show. We are what is the name of the show? I keep forgetting? It's real estate. Real Estate Investor Show Hard Money for real estate investors. We are Carolina Capital Management private lenders in the Southeast for real estate professionals. If you have a project that you would like us to take a look at, please go to carolina hard money.com. Click on the apply now tab. If you're a passive investor looking for passive returns, we have a place for you as well. Click on the accredited investor tab. Don't forget to like, share, subscribe, hit the bell. And don't forget about Wednesdays with Wendy, since this is Thursday. She's not here. . So Wendy Dev devotes 30 minutes per person on Wednesdays to talk about anything real estate. Yep. She's usually booked up in advance quite a bit. So there's a link to get on her calendar.   Jonathan Davis (02:07): Yeah. She's usually a month or two out. Yeah.   Bill Fairman (02:09): Yeah. Take advantage of it.   Jonathan Davis (02:11): Mm-Hmm. . Absolutely. Well, a month in review, or a month in review, A year in review, that's even worse. But   Bill Fairman (02:18): First   Jonathan Davis (02:18): Yeah.   Bill Fairman (02:29): I always like freaking out our production group.   Jonathan Davis (02:31): I love that. Yeah. I mean, we'll, we'll get to the, we'll get to the breaking news in a second. But yeah, I mean, just kind of a, an over overarching cap. Like we   Bill Fairman (02:39): Had a lot   Jonathan Davis (02:39): Going on this year has been Wow. It's just, you know,   Bill Fairman (02:44): Yes.   Jonathan Davis (02:45): Not to, you know, the same, the same investor loan that would've captured over 4.1% in January is capturing an 8.7% rate in December. I mean, it's, that's a big swing.   Bill Fairman (02:58): Yeah. And if you're, you know, if you bought a piece of property and before you get it finished and then the numbers don't work out for you mm-hmm. you're gonna have to readjust. Yeah. Obviously.   Jonathan Davis (03:10): Yeah. I mean, I think the, you know, if you, you know, $400,000 investment in house, you know, typically, you know, you need about $1,800 of rental income at a three and a half percent rate to cover it. And with the rates jumping where they are, and now you need $2,700 in rents to cover the, the payment Yeah. Rents while increasing didn't increase that much. Right.   Bill Fairman (03:34): And they will eventually. But, but do, do you wanna lose money until then? No, you always have to have cash. It has to cash. Even if it's only $200 a month.   Jonathan Davis (03:48): Even if it's only $50. I mean something, you know, 200 is better than 50, but Yeah. Don't have a negative cash flow. Yeah.   Bill Fairman (03:55): But like I said, in the long run the rents will eventually outpace. Mm-Hmm. And then, you know, at some point rates should come down and then you can refinance and improve that.   Jonathan Davis (04:09): I love the certainty of the wood. Should makes me not think of that. Never know. What's that phrase? Don't should all over me.   Bill Fairman (04:16): Don't shit all over me. It's nice. All right. But before we get to this year end review we have a little bit of breaking news. I a little, oh, the corner. You guys can't see it from here, but we got an emoji of Oh my gosh. What are you talking about,   Jonathan Davis (04:46): ? Well, so, you know, not necessarily breaking, but you know, it's news nonetheless. What is interesting is the days on market or the inventory market in, in a single family is 1.6 months for October for the prior month, which is almost,   Bill Fairman (05:07): That's not even close to normal,   Jonathan Davis (05:08): Not even, but for the last five years, that is the lowest days on market for the last five years.   Bill Fairman (05:18): Is that nationally?   Jonathan Davis (05:19): Yes. Nationally for the last five years. So that even, even with what we're going through, higher interest rates, low, you know, low supply, we still, you know, loans are, houses are still closing and they're closing fast.   Bill Fairman (05:34): So as we always say here, a stable market is six months worth of inventory. Mm-Hmm. . And so now we're talking about still less than two months. Yeah.   Jonathan Davis (05:42): Yeah. Absolutely. also, you know, you know, just wanna throw out North Carolina, Charlotte, and Raleigh they made it into the top 10 best markets for growth for multifamily and single family. So looks like Raleigh Raleigh came in at nine and Charlotte came in at seven. Wow.   Bill Fairman (06:06): Yeah. Well that just goes to show you all the people that are migrating to these parts.   Jonathan Davis (06:11): Yeah. And notables, you know, Tampa came in in the top 25. So did Atlanta. And those are also places that we lend in. Yeah. so, you know, we love that. And then, you know, the top five multifamily markets to invest in, just released by, who is it? Yardi, Yardi Matrix. Number one is Atlanta. You know, we get that. But number four, Charlotte. Wow. Yeah. So, you know, even, even with everything going on, you know, it still rounds out the top five for markets to invest in a multi-family.   Bill Fairman (06:44): Yeah. I, I lived in Atlanta in the very late seventies and early eighties while I was going to school down there. And I was always told if you can't get a small business off the ground in Atlanta, you'll not be able to get a small business off the ground   Jonathan Davis (07:01): Anywhere. That's true. There's a lot of small businesses in   Bill Fairman (07:03): Atlanta. Cause it was just a market that even in those high I mean that at that time they were high interest rate. We were in the middle of recession as well.   Jonathan Davis (07:14): Yeah.   Bill Fairman (07:15): And people were still very optimistic about you know, business growth in the Atlanta market. Mm-Hmm. . And that has really kind of translated into most of the, the southeast, because Yeah. A lot of people are migrating here. You got anything else?   Jonathan Davis (07:30): Just, you know, I thought it was interesting. Maybe you all will as well. I did not know exactly how many hours the average renter had to work to pay for their rent. Mm-Hmm. it's 62 hours. Yeah. 62 and a half hours.   Bill Fairman (07:44): For the month's rent.   Jonathan Davis (07:45): For the month's rent, they have to work 62 and a half hours to, you know, to pay their month's rent, which is now, which that is up six hours more than it was Yeah. Before the pandemic. So, you know, you have to work six more hours to live in the same place. I, I like, you know, equating those things together, it's like what, you know, we, we can say it costs $200 more, but, you know, or it's, you know, you know, we like, you know, we like the expression of time returning time return on effort. You have to work six more hours to stay in the same place.   Bill Fairman (08:15): Well, you think about that if you're trying to qualify for a mortgage, your housing expense can't be more than what, 28%?   Jonathan Davis (08:26): Yeah. Yeah. 28. Yeah. I think that's right.   Bill Fairman (08:29): Brian, if Brian's listening, he'll   Jonathan Davis (08:31): Go correct it. Yeah.   Bill Fairman (08:32): He'll chime in. But I, I think it's in the 28% range, so mm-hmm. that's much higher. 62 hours is much higher than what it's gonna be to qualify for a mortgage. Yeah. So rents are going up higher than your affordability for Oh yeah. Buying a home.   Jonathan Davis (08:52): Yeah. You know, and they'll say like, rents have, you know, have slowed down. They have the rate of appreciation or arising has, has slowed down, but they still rose seven over 7% year over year for October. Yeah. Which is, you know, yeah. You know, more than average, but, but slowing down.   Bill Fairman (09:12): Okay. So let's talk about the, and I'm gonna talk about single family prices first or home appreciation for the year in review.   Jonathan Davis (09:23): This is the year in review. ,   Bill Fairman (09:34): It looks like a heavy metal here in   Jonathan Davis (09:36): Review. I love it. I only did that cuz I like to throw bill off.   Bill Fairman (09:39): That's okay. It's easy to do. So peak home appreciation hit in June of 2022 at an annualized rate of 20%.   Jonathan Davis (09:56): Did you round I think it was 19.8.   Bill Fairman (09:58): Yeah, I rounded it. Yeah. 20%. That's incredibly high. And as we always talk about here, unsustainable   Jonathan Davis (10:07): , 20% growth. Yeah. Was is unsustainable.   Bill Fairman (10:11): So what what's funny, I, I hear a lot of the, the pundits talk about this and how all the markets are overvalued, which they are for the most part. And as the things shake out, they believe that appreciation will drop all the way down to between two and a half and three and a half percent.   Jonathan Davis (10:31): You mean to normal,   Bill Fairman (10:32): Which is been the normal rate of appreciations. It's the fifties.   Jonathan Davis (10:36): It's terrible. It's going to, it's gonna just crash. The market's gonna crash, it's gonna get down back to normal appreciation.   Bill Fairman (10:43): 2022, I also saw record energy prices.   Jonathan Davis (10:48): That is true. Yeah.   Bill Fairman (10:50): Our fuel has gone through the roof, which means that's gonna add pain to everything that we do. Yep. Everything.   Jonathan Davis (10:59): Everything.   Bill Fairman (10:59): Yep. That's one. I mean, we had inflation because of supply chain, which was, you know, kind of a short term thing.   Jonathan Davis (11:07): Yeah. I I didn't, it was supply chain. It had nothing to do with four, you know, what was it trillions of dollars? Was it 4.2 trillion being printed? Well, that didn't help.   Bill Fairman (11:16): Yeah. But I mean, we did have inflation because we, we had a lot of people demanding stuff. We couldn't get it. Yeah. So if you could get it, you were gonna pay more for it.   Jonathan Davis (11:25): Sure. But you had 4 trillion more dollars.   Bill Fairman (11:27): No, I, I get all that. I'm not saying that's not the only thing, but that would've been temporary. But the, the cost of energy going up keeps it going even longer. Yeah. And then the Fed, in my opinion, it's not the rates that were so low that caused a lot of this and then the free money that the government was giving out, but the balance sheet of the Fed mm-hmm. . I just wanna, they weren't reigning that   Jonathan Davis (11:55): In. Just wanna point out, bill said, you know, the free money that the government was handing out, as you all know now, there is no such thing as free money. You're feeling, everyone's been feeling for how long? Yeah.   Bill Fairman (12:07): It's free to some people.   Jonathan Davis (12:10): Not to us. Yeah.   Bill Fairman (12:12): And here's another thing that's been kind of an issue. We have the lowest employment participation rate since the oh eight crash.   Jonathan Davis (12:22): Yeah.   Bill Fairman (12:23): And that's also causing inflation, but it's, it's more of a employment inflation because you're, you have a shortage of of workers. Yep. And so you have to pay more to get 'em there. And then a lot of them are, you know, playing that off and just going from one place to another.   Jonathan Davis (12:41): mm-hmm.   Bill Fairman (12:42): .   Jonathan Davis (12:42): And, you know, you, you know, record energy prices you brought up. And it's not just here, it's in Europe and everywhere abroad. But I thought it was notable. I remember mentioning this way back after, you know, right after the pandemic. Do you, do you all remember what the first business or first thing that Warren Buffet bought coming outta the pandemic?   Bill Fairman (13:07): Oh,   Jonathan Davis (13:08): An energy company. Oh, no. Smart guy.   Bill Fairman (13:11): Yeah. That's why he was the, what do they call him? The something of Omaha, the,   Jonathan Davis (13:18): Oh, I don't know.   Bill Fairman (13:19): No. Anyway, something important of Omaha. The Oracle. Jonathan Davis (13:25): The   Bill Fairman (13:26): Oracle. The Oracle of   Jonathan Davis (13:27): Omaha. I had no sir Dam in my head. I couldn't, couldn't get   Bill Fairman (13:30): It out. Yeah. No, he, he's a smart guy. , let's go to how things have changed. So 2020 OB or 2021, we obviously had inventory issues with single family housing. Yeah. So in, in order to keep up with that change a lot of investors started moving into smaller and multifamily and self storage. Yep. Those are two property types that are still recession resistant. Sure. the multifamily, you still have to have a place to live mm-hmm. . And while the, you know, the zero, there's a few more zeros on 'em, there's still great investment opportunities. Yeah. so what do you think about that? From an investor's perspective? People get a little concerned about the extra zeros that makes them a little afraid. It makes, it's easier to do the single family homes because it makes you feel better. You can get rid of one. If you run into trouble, if you have an apartment complex or a self storage facility you're dealing in a lot higher dollar amounts and people get a little nervous about that.   Jonathan Davis (14:43): Oh, that's true. You know, there's a whole lot of different ways to look at it. So we, we know that in like sales and cap rates, multifamily was the big winner in 2021. Mm-Hmm. . And it looked like in 2022 for the first half of the year, they were going to be as well. And then, you know, then the interest rates and inflation and everything happened. But with single family, you are tied solely to the conditions of the market to that ebb and flow, to demand supply interest rates. You are tied solely to those things. And there's not much you can do to increase your value beyond market. You know, unless there's just, you know, no supply. And, and then we've seen that what's, you know, 20% appreciation in multifamily. While there are more zeros, you have more control. And you can, you know, with the rising or rising rents, you know, rents are, are, are rising.   (15:48): So you can increase your net operating income. And that is based off of the capitalization rate of whatever the market is in that area. We know how much demand is. But you know, you're kind of stuck with that. And so now what do you do? Well, you can create a shared laundry room where you create additional, you know, income or you can create other avenues of income for this property or, or take away expenses from the property and you can, and you can inflate or deflate that price or that value accordingly. So it just gives you a little more control. So we're still seeing multi-family selling. Not like it was, you know, six months ago and definitely not like it was a year ago. You know, October, November and December of last year. I mean, we saw record sales and multi-family. The interest rates are, you know, are hurting a bit of that cuz you know, you have to buy in at a much lower operating capitalization rate, which just means how much you're gonna make off of it.   (16:55):  So that's really compressing the market for a lot of people. Those additional zeros. Most people kind of get around that additional risk factor by bringing other people in, whether it's equity investors or partners in the llc, what have you to kind of share that risk across the board. Which you don't really, you see it in single family, but the, the, you know, to buy a hundred thousand dollars house or a million dollar multi-family, I mean, you know, you can, you can make the risk more palatable on a hundred thousand. You can a million for one person. Yeah.   Bill Fairman (17:30): There. And there's differences in commercial financing. It finances differently in a lot of cases. You can't get 30 year fixed rate. You have to go to more of a a on multifamily 20. I mean there are some available, it's not,   Jonathan Davis (17:47): We do 30 year fixed on multifamily.   Bill Fairman (17:50): The way to value of property is based on the income that it receives. Mm-Hmm. , you can add value to the property, raise rents and then, or lower expenses or a combination of the two. Mm-Hmm. and you will add value to the property, which is not gonna happen on a single family home. No. It's just gonna go based on what home down the street sold for.   Jonathan Davis (18:15): Exactly. Exactly.   Bill Fairman (18:16): So there's a lot more you can do with those that you can with a single family home. That said, if you need to move it quick, single family homes are the most liquid   Jonathan Davis (18:27): . That's true. There are more buyers in that. And it's, it's a faster move. It's a, yeah.   Bill Fairman (18:32): It's   Jonathan Davis (18:32): Easier financing, lower due diligence period. You know, all those things. Yeah. Wendell asked, will appreciation go below inflation? Well, I like that you didn't put a time period on that, so I'm gonna say yes.   Bill Fairman (18:46): Well, the numbers for appreciation will go be below the current inflation rate, but I don't know if they go below the inflation rate at the time they, they drop down to the lower single digits.   Jonathan Davis (19:04): Say that again to me. I'm not sure. I   Bill Fairman (19:06): Don't know that we'll have high, that high of inflation when I'm expecting appreciation at some point to be in the five to six range. Yeah. We may not have inflation at five or 6% when that occurs. Well, we could, but that's okay. It, it's   Jonathan Davis (19:24): Are you saying it be above or   Bill Fairman (19:26): Below? But what I'm saying is inflation may be in the fours when we have appreciation in the sixes, but it could be that it goes into the threes and we still have inflation in the sixes.   Jonathan Davis (19:38): Mm-Hmm. ,   Bill Fairman (19:39): It's not gonna stay that way for long.   Jonathan Davis (19:41): Yeah.   Bill Fairman (19:42): It will eventually bottom out. And again, if, if the homes appreciation rate, if you're buying single family homes for rental, it doesn't matter because it's about the cash   Jonathan Davis (19:54): Flow. It's about the cash flow and what you bought in at.   Bill Fairman (19:56): Yeah. And you know, and Wendell, you already know this, the house does not care what it's worth. Mm-Hmm. , it depends on the income that's coming in. It's all about the money coming   Jonathan Davis (20:05): In. But yeah, I mean, in short, yes. Appreciation will go below inflation. I mean, you know, they ebb and flow as Wendell knows. That was a great question.   Bill Fairman (20:15): Yeah, that was awesome   Jonathan Davis (20:16): Question. But, you know, win win is always, it's, it's not, you know, it's not really if it's, you know, it's win and no one really knows that.   Bill Fairman (20:24): I'm also seeing, and this is just from me noticing this is not scientific data , I've noticed a few self storage facilities, the a class property types, I'm noticing a lot more available tags on the doors versus locks.   Jonathan Davis (20:44): Mm. Okay.   Bill Fairman (20:45): So vacancy rates are getting a little, little bit higher.   Jonathan Davis (20:48): I always wondered where you win in the afternoons. I guess you're just, you know,   Bill Fairman (20:51): I'm just perusing self storage facilities. I'm gaping through the fence.   Jonathan Davis (20:56): Ooh. Available .   Bill Fairman (20:58): But I am seeing occupancy rates starting to drop a little bit in the cell storage. But that's,   Jonathan Davis (21:07): And that's, and that's okay because they've been, you know, if doing, they're, they're class A and if they're doing what they're supposed to do, they're, they've been pushing those rents Yeah. Month after month pushing them up and now they have to bring 'em back down a little   Bill Fairman (21:19): Bit. Right? Yeah. People will not change facilities if you move it up 10 or 20 bucks a year. Mm-Hmm. . But when you move it up 10 or 20 bucks every quarter   Jonathan Davis (21:32): Or every month, some of them have gone, I've seen some dollar, like five, $10 a   Bill Fairman (21:35): Month. Yeah. They'll, people say my $500 worth of stuff needs to go somewhere else. Mm-Hmm.   Jonathan Davis (21:41): . Yep. Absolutely.   Bill Fairman (21:43): But those are great markets to be in. I am, well we are going, it's all about me. We are we're gonna discuss Carolina Capital now for the end of the year.   Jonathan Davis (21:57): Everything that happened to Carolina Capital was all because of Bill   Bill Fairman (22:01): . Yeah. we had record dollars funded for the years since we've been in business thanks to this man.   Jonathan Davis (22:09): Right. All it was a team effort, but all of us, yeah. So we, you know, as we set right now we're at 71 and a half million dollars out the door this year, year to date. So   Bill Fairman (22:22): What was our, what was our biggest year?   Jonathan Davis (22:24): The biggest year before that Yeah. Was like 36 million. Yeah.   Bill Fairman (22:29): Yeah. So that was a big jump in a year. Yeah. So 2022 was really good to us. We also had the highest fund returns since 2017. And, and Ysa since 2017. Or why is it different? Why the returns higher? Well, in 2017 we were charging a lot more for loans.   Jonathan Davis (22:51): , you were charging a lot more and you had less assets under management. That's true. So the, the fewer assets you have under management, the easier it is to organically produce higher returns. Right. The more money and more assets you have under management, the more difficult it becomes to produce those higher returns.   Bill Fairman (23:14): And and back then we didn't have a lot of competition. And during the end of 17 and the 18 and the 19 you had a lot more Wall Street firms coming into the hard money space. Yeah. And, you know, we obviously had to get competitive cuz they were charging a lot lower rates because money cost them nothing.   Jonathan Davis (23:34): I remember seeing someone advertising hard money at five and a half or 5.75. It's like, wow,   Bill Fairman (23:42): That right there is not very good management of your client's money.   Jonathan Davis (23:48): Well, and the thing is,   Bill Fairman (23:49): The risk, the risk is so much higher than a 5%   Jonathan Davis (23:53): Interest. Well, and, and here's the thing. They were probably returning through investors a high single low double digit return, but they had that money levered four or five times. So when things, you know, when things change, like we just saw change their investors are last in line to get their money and all the creditors that they levered their money with are first. So   Bill Fairman (24:14): Now that said, with the proper leverage, you can have, and I'll give you a quick example. You have a fund that is loaning money on an apartment complex, right? Mm-Hmm. . And they can be giving the apartment complex market rates and still return their investors well above   Jonathan Davis (24:34): Market. And if you wanna find out about that, schedule a call with Bill. Cause this is the year in review.   Bill Fairman (24:39): That's right. I won't get into it. . All right. And then we lastly we have the highest amount of money under management now that we've had since we've been in business,   Jonathan Davis (24:49): Correct?   Bill Fairman (24:50): Yes. And this is not a sales pitch, but we could always use more.   Jonathan Davis (24:54): Yeah. Always more So, you know, give the disclaimer real quick before I start throwing out some numbers.   Bill Fairman (25:01): Yes. your mileage may vary. This is consult your attorney, read the PPM before you invest and invest wisely.   Jonathan Davis (25:10): Invest wisely. Yes. so last year our fund averaged 10 and a half percent return to the investors. This year through three quarters. It's done the same and it's done the same with more money under management or more assets under management. So we have as a team been able to absorb that money, additional capital, place it, and manage it, and still meet or exceed the returns we were doing with less money. And, you know, if you know anything about managing a fund, that is, that, that's the difficult part. That is the very hard part of this. And you know, Wendy, you, me and then our team here, like everyone has done such a great job helping us, you know, manage and place money. It's it's,   Bill Fairman (26:04): And, and we and we do it without leverage.   Jonathan Davis (26:08): Correct. So we do not lever our fund at all. If something happens and investors in our fund need their money, they are the first in line to get it. There's no one in front of them. Right.   Bill Fairman (26:20): And that, that's key. There's two reasons you don't wanna lever your money. And one is that, that your investors are in second position essentially. Yeah. And number two, if you're investing with an ira, the IRS doesn't like your IRA being levered and they could charge you a EBIT tax on that as well.   Jonathan Davis (26:42): But if you're making high enough returns, you don't really care. It's just the filing that really gets you Yeah. It's a pain. It's a pain, you know.   Bill Fairman (26:48): Well,   Jonathan Davis (26:49): But, but no, it's, it's been a great year. Yeah. We started out, like I said at the very beginning of this, you know, we could do loans at 4.1% on a 30 year fixed. And now, you know, we're, we're looking at, you know, mid to high eights. There's some people even doing nines and tens on, on investor loans bridge loans and, and like fix and flip and new construction, you're still seeing, there's a few guys out there doing it. Probably, what, eight to 10%? Probably not many. Most people are going to be in that 10 to 14% range right now. Just, just because, you know, like we have cost of funds and then every, every risk profile above zero gets assigned an interest rate above that. And, you know Sure. So as you move down the line, you know, you, you, you know, you get new construction right now, new construction is, you know, unpredictable at best, , and definitely especially on the timeframe.   Bill Fairman (27:47): All right. So as an investor, I'm not worried at all in this market. We needed things to slow down because they were unsustainable. Mm-Hmm. . There's still plenty of opportunities out there. And another thing this type of market does is it shakes out the trees. It takes the people that were doing it part-time, the folks that were just looking at hgtv. Yeah. it takes the real estate agents and brokers that were essentially part-time and it allows the real professionals to handle the customers because   Jonathan Davis (28:19): Like Don Harris. Yeah.   Bill Fairman (28:22): It, it's a shame that the people that are just doing it part-time, a lot of times they don't, they don't have the number of transactions that they have gone through to get the experience, not to make mistakes. Mm-Hmm. and what it does, it reflects badly on the industry. Same thing would happen to, you know, a new fix and flip person who gets into the industry and hasn't had the bumps and bruises, or worked with a mentor to understand some of the mistakes that can happen. Mm-Hmm. . And it can give that industry, you know, a bad name as well. Yeah, very true. So what's gonna happen now, because things are a little bit tighter, it's the professionals that are gonna be maintaining and they're still, like I said, there's always gonna be deals in any market. Mm-Hmm.   Jonathan Davis (29:07): And the professionals know that whether the interest rate is 8% or 15%, it doesn't matter. It's how much, you know, how much risk can I tolerate and how much money will I make? And that's all that matters.   Bill Fairman (29:19): And you make your money on the buy.   Jonathan Davis (29:21): Yep. Absolutely   Bill Fairman (29:22): Not the   Jonathan Davis (29:23): Sale. And if you can't make it on the buy, well, you try to make up for it on the rehab and then that doesn't really work. And   Bill Fairman (29:29): . All right. So before we go Wendy is gonna be speaking at a few places. I don't wanna run through that real quick. And the first one is Quest Expo.   (29:44): Oh, I'm sorry. Quest Con . It is online version, and it starts on December 9th. There is a discount code. Carolina 15 gets you $15 off, unlike the Fairman 30 that got you. $30 off, but it's not as expensive. So take the break. What else we got coming up for Wendy. Okay. Invest her. Wendy is actually doing a, she's hosting a, a webinar on December 14th. We don't have a link for that yet, but we'll make sure we get it in the notes. Yeah. What else we have? Oh, and then the Raleigh tria, that's the greater triangle area of High Point. Winston-Salem, Greensboro Raleigh, or no, maybe that's Carrie Durham, chapel Hill, I don't know, but she'll be speaking at   Jonathan Davis (30:42): Somewhere in North Carolina,   Bill Fairman (30:44): January the 12th. We'll get you some information on that too. They have a great R group up there. They really do. Mm-Hmm. . Anything else inside cell storage? Wendy is actually, yeah. Gonna be a featured speaker in Las Vegas. Do you see how she elbows her way into speaking positions? We've owned a self storage facility for like six months and she's already a featured speaker at Self Storage do it nationally. So we'll make sure that if you can't attend, we'll do our best to get some video of it. Yeah. All right. Are we good? All right. Excellent. Folks, thank you so much for joining us. I hope your year was as good as ours and as blessed as ours has been,   Jonathan Davis (31:41): Those are my favorite moments.   Bill Fairman (31:42): He, he has got to get that thing   Jonathan Davis (31:44): In there, didn't he? I think he's just messing with you right now. .   Bill Fairman (31:48): So, thank you so much for joining us on The Real Estate Investor, show Hard Money for Real Estate and Investors. We are Carolina Capital Management. We are private lenders for real estate professionals. If you'd like us to take a look at one of your projects, go to carolina hard money.com and click on the Apply Now tab. If you are a passive investor looking for passive returns   Jonathan Davis (32:07): And, and you wanna, you know, join the other investors that we have, that outpaced inflation.   Bill Fairman (32:12): Yep. Go to the accredited investor tab. Don't forget the like, share, subscribe, hit the bell, all that good stuff. Next week.

From a hotel room in upstate NY, first we get Jeremy's thoughts on how our first week of Holiday Shows is going...he's our toughest critic:) Then Michael Fairman helps us make sense of what's happening and will happen on DAYS…also who's the hook, and will Maxie and Spinelli get back together on GH! We have the conversations that everyone who watches is having!! This Episode Of That's Awesome Is Brought To You By: HEAT HOLDERS!! THE WARMEST THERMAL SOCK!!! Go to HEATHOLDERS.COM, and enter the code, “AWESOME”, and save 15% OFF your order! Receive FREE SHIPPING on any purchase of 25$ or more! SHOPIFY Grow your business with Shopify today - go to SHOPIFY.com/thatsawesome right now for a FREE TRIAL! SHOPIFY.com/thatsawesome and PLUTO TV! Watch movies and tv for free! Free of passwords...free of payments...FREE! So just lean back. Drop in and enjoy the show. It's free. PLUTO.TV For Everything Steve and Bradford including tickets to LIVE HOLIDAY SHOWS visit us at StoneColdandtheJackal.com

53 year old Suzanne Fairman was found murdered in her home on May 9th, 2019. No one in her life appeared to be a suspect. Who could have murdered this well loved college administrator and grandmother? Make sure to subscribe, like, and leave a review. We can be found on:Instagram at  https://www.instagram.com/married2murderpodcastTwitter at  https://twitter.com/Married2_Murder  Facebook at  https://www.facebook.com/Married-2-Murder-Podcast-107933798398670 Email any case suggestions our comments to Married2murderpodcast@gmail.com. Discord group https://discord.gg/XbsvJmYZmKCheck out our website at https://married2murderpodcast.buzzsprout.comDisclaimer: Any verbal opinion by the hosts of any person's involvement with a crime who has not been found guilty by a jury of their peers is pure speculation and should not be considered as fact. #married2murderpodcast #truecrime #truecrimepodcast #podcast #truecrimecommunity #murder #married2murderSources:RichmondTimes-Dispatch.comnbc12.comwtvr.comvcu.edulaw&crime.comhttps://www.wric.com/news/local-news/richmond/trial-for-man-accused-in-rape-murder-of-vcu-administrator-begins/https://www.wric.com/news/crime/employer-of-contractor-accused-of-raping-murdering-vcu-administrator-knew-of-past-rape-conviction/https://www.wric.com/news/crime/ankle-monitor-removed-from-alleged-killers-leg-just-days-before-the-crime/

On the 79th episode of The Richard Robbins Show, I sit down with an agent who, at the age of 23, started her real estate journey. Just 13 years later, she is a Certified Luxury Home Marketing Specialist enlisted in RE/MAX's Top 100 in Canada, a Million Dollar Guide Award holder, Diamond Award holder, and inducted into the RE/MAX Hall of Fame & Lifetime Achievement circle.  Sydney Fairman, an RRI Coaching Member working out of the Northumberland County area, is a high-spirited, honest and clever real estate professional. Despite all of her career success, she would tell you that her biggest accomplishment has been running her business while also being a full-time mother. “I worked my business around breastfeeding, around nap time, it's a real thing for a woman. I booked my appointments around my schedule.” You can find show notes and more information by clicking here:

In this episode of the podcast, I sit down with Ciaran Fairman to discuss his work on the use of autoregulation in exercise oncology. Ciaran is an Assistant Professor at the University of South Carolina where he studies the use of exercise, nutritional and psychosocial interventions for individuals with cancer during and after their cancer treatments.Onyx:https://www.onyxstraps.com/ with code PHILWL for 10% offhttps://www.instagram.com/onyx_straps/Weightlifting House:https://www.weightliftinghouse.com/ with code PHILWL for 10% offCheck out the AI:https://weightlifting.ai/Follow Ciaran:https://www.researchgate.net/profile/Ciaran-Fairman-2https://podcasts.apple.com/us/podcast/reach-research-in-exercise-and-cancer-health/id1223832935Follow me:https://www.instagram.com/josh_philwl/

Bill Fairman 00:00:00 I don't even see it up there. Oh, hi folks, bill Fairman here. We are going to talk about what freedom financial freedom actually means to you right after this greetings from the grand downtown rock hill, South Carolina. Woohoo. We are Carolina capital management. Thank you so much for joining us on the real estate investor show hard money for real estate investors. Wendy reminds me. I have to smile.   Wendy Sweet 00:00:57 You can do it. You can talk. At the same time.   Bill Fairman 00:01:00 We are Carolina capital management. We are private lenders in the Southeast for real estate professionals. And if you have a project that you would like us to take a look at good Carolina, hard money.com, click on the apply. Now tab. If you are a passive investor looking for passive returns, then click on the accredited investor tab. Don't forget to like share subscribe, hit the bell. And don't forget about Wednesdays with Wendy. Wow. That   Wendy Sweet 00:01:35 Was cool. And short and sweet. And it matched my junior high school school colors. That's   Bill Fairman 00:01:40 Right. Very nice. So Wendy donates 30 minutes of her day per person on Wednesdays to talking about real estate. She's usually booked up a couple of months in advance. So there's the link. It will be over in the comments and questions side, which is either gonna be on the right hand side of your screen or underneath, depending on the platform that you are viewing us from. Well, since we teased it last week, this show is recorded.   Wendy Sweet 00:02:08 That's   Bill Fairman 00:02:08 Right. So we don't have any breaking news because that would've been last week's news.   Wendy Sweet 00:02:12 That's right. We don't know. We can't see into the future. Although sometimes we claim that we do, but we really can't.   Jonathan Davis 00:02:18 I mean, when it works out, you have any   Bill Fairman 00:02:19 Additional commentary you'd like to add for the fake breaking news for   Jonathan Davis 00:02:23 The fake breaking news.   Wendy Sweet 00:02:24 Yeah.   Jonathan Davis 00:02:26 No, but no breaking news, but you know, we are, we, we would where we're at, like the first month in 17 months where homes are selling under asking price. Oh   Bill Fairman 00:02:38 Nice.   Wendy Sweet 00:02:38 Yeah. Yeah. That's so amazing.   Jonathan Davis 00:02:39 The first time is 17 months homes are now selling under asking price.   Bill Fairman 00:02:43 It must be a crash.   Jonathan Davis 00:02:45 That's what they would have you believe. Yeah.   Bill Fairman 00:02:47 Do you remember back in the day when people actually negotiated price?   Jonathan Davis 00:02:52 No one knows what negotiation means anymore.   Wendy Sweet 00:02:54 Well, we do now and that's, you know, that's something that investors really need to, especially wholesalers. And rehabers really need to understand that because if you're using cops from six months ago, they're not real, are they? They're real. They're just not relevant. Yeah, that's right. You need to use the ones from, from very, very, you know, past 30 days or less, or from the future, you know,   Jonathan Davis 00:03:15 You can do that,   Wendy Sweet 00:03:17 Which is what we do   Bill Fairman 00:03:19 Kind of our point here is that you don't wanna hear, you don't wanna listen to the noise. The noise is just that it's noise. We were not in a normal market. We haven't been in a normal market and several years. Yeah. It has been crazy out there. And all we're doing is we're coming back   Wendy Sweet 00:03:34 To reality,   Bill Fairman 00:03:35 To a normal market. And we're still above the, the normal market. Yeah. Yes. I mean, we really need 60 to 90 days on market for homes and we still don't have that yet.   Jonathan Davis 00:03:46 I mean, the, the average home value, I think is like 3 75 now, which is way more than it was two years ago. Yeah.   Bill Fairman 00:03:52 And listen, I don't see the days on market slowing down an awful lot. I mean, it's gonna come down. I get it. But we, we still, yeah, but   Wendy Sweet 00:04:02 We change, sorry. We had this   Jonathan Davis 00:04:04 Conversation the other day and it really got me   Wendy Sweet 00:04:06 Stop limit me around.   Bill Fairman 00:04:08 We still have a housing shortage out there. We're about 5 million behind on new homes. Yeah. And we still create households. People still need a place to live.   Wendy Sweet 00:04:16 Rents are going up.   Bill Fairman 00:04:17 All right. So I'm going to pause right now for another fancy David Phelps moment.   Jonathan Davis 00:04:32 I just took a deep breath, man. That's how I feel when I'm around David. So yeah, that's really, really relevant.   Bill Fairman 00:04:38 David has been gracious enough to give us two shows. He's an awesome guy, great friend of ours. Let's bring him on. Thank you so much for joining us. David   David Phelps 00:04:49 Brush off the beach. I'm here.   Wendy Sweet 00:04:51 You get a sunburn from that.   Bill Fairman 00:04:56 So one of the great things that you do is you teach people, mainly private professionals,   Wendy Sweet 00:05:05 Doctors, dentists, but,   Bill Fairman 00:05:06 But anybody that wants to learn, cuz you have a lot of books out there about this too, is about being financially independent and, and free. So what does it mean to be financially free?   David Phelps 00:05:20 It's to have enough income, enough cash flow that's produced by investments. I like, I like asset based investments. So asset based income that will produce the cash flow that you need for your essential lifestyle, whatever that lifestyle is to me, that's financial freedom. And we'll go into more depth on what that, what that allows people to have, why I think it's important, but essentially financial freedom gives you choices and options. If you don't have to go to work or keep the business running or operating the way you've been doing it or putting up with certain people or clients or whatever it is you think you have to do when you have, when you're financially free, you can change the model. You can try things, you can test things, you can take new ideas on it. And that's that's I think the, the real goal in being financially free, it's not to do nothing.   David Phelps 00:06:11 It's not to be on that beach that you guys stuck me on for the last week. That was great. I don't, I don't, no, I can't live there forever, which is nice. I, I, I need to be doing something, but I wanna do it the way I wanna do it. I wanna work with people that I choose to work with that. I think we have some, some values in, in, in common that I can actually provide a service or a product that, that they actually appreciate. And there's an exchange for services. It's about the money, but it's at that point, not all about the money and that's what changes your whole mindset about always trying to, you know, eat out enough money to pay the bills and have a nice vacation. And maybe you get a better car. That's just the, the common we call the treadmill last week or the hamster wheel. Jonathan said that too many people are on. And it's just, it's just changing the mindset about how money works that can really change the lives of, of people at any, any dimension in their, their life, whether they're modest income earn, moving their way up or middle income or, or even higher income, which typically they have the hardest problem. High income actually have the harder problem with this than people that are a little bit lower on the scale.   Bill Fairman 00:07:20 Hmm. Interesting. Is, is that, do you think that's because they had that mindset of, they don't know what enough is yet.   David Phelps 00:07:28 Yeah, I think, I think, I think not knowing how much is enough. And then I think also there's that tendency to elevate one's lifestyle because as you earn more money, because you're more proficient efficient, better at what you do, better products or services. That's, that's great. We should all aspire to do that. As the income goes up, then typically it's like, well I need nicer things and there's nothing wrong with that. It's just, don't let that get out of hand. I, I, I'd rather see people make investments that can then provide for the nicer things that they choose to have.   Wendy Sweet 00:07:59 Well, one of the things that, that I think is so important that you teach through freedom founders is you, you allow people to have the fear removed what's gonna happen. If I stop, if you know, highly paid professional is, you know, their business is running great, as long as they're there, but when you're no longer there what's gonna happen. If I stop, how can I stop? I have this great fear of doing that. And you have just done an incredible job of teaching people that they can throw that fear out the window because alternatives, right?   David Phelps 00:08:41 Yeah. And it's, it's not even just to stop Wendy it's, it's just even to, to cut back a little bit or let's just be very pragmatic. It's getting home in time to actually have dinner and maybe go to your kids' soccer games. I hardworking people who just feel like they have to grind to your point. Don't know how much is enough. Feel like that they'll miss the opportunity. If they don't get all they can while they're young and energetic, but they miss out on the very thing that they can regret later in life. When they get to a point of quote retirement, don't like the word, but you know, retirement, but then where are the kids? Kids are gone. It's like, oh, but now I have the time I have some discretionary money. I could actually live my life that you missed out. And so giving permission back, removing the fear that people have by not having to grind and actually take some extra time off.   David Phelps 00:09:32 That's the biggest thing that, that showing people, how investments in alternatives, particularly real estate provides that sustainable passive income that can start to replace the need for the person, the hard worker to have to grind as hard as they grind. So you can start to taper it back. I've got docs that are, you know, in their thirties and forties, you've met many of them. They don't have any, any idea of, of giving up, you know, what they do anytime soon. But they just like the fact that they can actually take, you know, a full day off during the week or maybe a day and a half, or, you know, get it down to three days a week and not feel compelled to have to keep at that grind because everybody else is. And that's like Harrison factor that doesn't serve. Absolutely. That's pretty well at all.   Jonathan Davis 01:10:15 Yeah, no, you know, touch on, on financial freedom. It reminds me of a few episodes back. We had Chris miles on here and Dr. Phelps, I know you watched it, so I'm not gonna tell anything you don't know, but you know, he was on there. He's telling about, you know, the financial freedom model that everyone is prescribed in America. And the world abroad is invest, you know, put money into your 401k, you know, put money in savings. And he gave this, you know, description of his father retired and you know, was gonna draw on his 401k. And he wanted Chris to look at it. And Chris did and said, well, you're gonna have to die in about five years because that's all this is gonna last you. And like, and that was like the wake up point for him and, and his dad apparently too, but like that's not financially free. So, you know, that model of what we're prescribed, doesn't seem to work your model. David, can you kind of, I know you've kind of tiptoed around him, but can you kind of give us a little more of the nuts and bolts and the nuances of what you are telling your people, how to build this financial freedom and that, that maybe isn't 401k.   David Phelps 01:11:27 Yeah. The 401k, the traditional financial retirement model, as you describe it, Jonathan is an accumulation model. It, it is about discipline and discipline's important. That's taking money and, and putting it in a vehicle, this, this case, an IRA or a 401k, that's basically invested by somebody else. Who's gonna choose stocks, mutual funds, bonds, whatever. It might be kind a mixed financial portfolio. And, and that's supposed to just, just, you know, sit in those accounts and, and grow over over the years. Well, they grow. And then of course, then we have a market downturn and, and it, and it drops back down and, and back to contribution level this up and down what retirement requires, or let's just say removing yourself from active income, what it requires is cash flow, not at accumulation. It requires cash flow. The traditional model that we're talking about, the 401k does not provide for cash flow.   David Phelps 01:12:19 The, the whole game there is well build up as much as you can. And then you ask a financial advisor today. Well, how much should that be for, you know, any one person just, they can't give a really clear answer? Well, of course not because the, the, the variability in the economics today with inflation factors and, and all the volatility, they can't really. So what they tell people is just, well, as long as you can keep working, keep working, you know, well that's cause they wanna manage more, more the capital. There's a little bit of a incentive in there for, to keep, you know, keep managing their money. But the problem is they accumulation models based on you have so much. And they try to run these algorithms with this fancy software to say, okay, well, based on how much you've got here, we're trying to forecast, you know, another 25, 30 years down the road, how can they forecast the economic models?   David Phelps 01:13:03 Could they, could they forecast COVID could they forecast all the helicopter money we've had? Can they forecast? No, they can't forecast any of that. How do we do it with cash flow? Well, it's the fundamentals of real estate. As we know them very well is in as real estate keeps pace with inflation. So I don't think it's very healthy for our economy to be running it eight and a half or 9% inflation. The CPA CBI rate that we have now, that's not healthy, but you know what our assets, and you've already talked about it earlier, reds, go up the values, go up. So at least we can keep pace financial model, not, not the case. You start having to deplete that financial model, that accumulation model depleted over time and try not to run out of money. Chris miles talking about his father was looking at that saying, yeah, dad, you, you need to take out this much every year or two pay for your burn rate because there's no cash flow in this model.   David Phelps 01:13:50 It's just, you just stacked it up as high as you could get, but you only stacked up enough to last you five more years. You look at inflation rate today and let's just say, let's just, let's just P it at eight point half percent or even 8% to I do the math in my head, use the rule of cutting two every nine years with an 8% inflation rate, the purchasing power of your dollar or your a hundred thousand dollars or your million dollars, whatever you have is cut in half, cut in half. So you thought you had a million dollars. It was me. That's gonna work really well for me for the next next number of years. Oh, but gee, in nine years it's only gonna be worth half a million dollars. And then in another nine years, it's worth a quarter of a million dollars. How's that gonna work out when you've not attached your, your plan to a vehicle that actually keeps pace with inflation?   Bill Fairman 01:14:35 Very well said very well said. Yeah. And when, when you, when you look at that model as well, it has a lot to do with timing. I, I know our mutual friend, Ryan Parsons and Chris miles. I, I had discussions about this when you use that accumulation model, when you're using the 401k, putting money in the stock market, especially with the 401k we have. And then this is anecdotally, I don't have actual statistics on this, but everyone that I've known that   David Phelps 01:15:05 I'm surprised you don't,   Bill Fairman 01:15:08 That I know that has had a 401k over a period of 20 years, they end up with about the same amount of money yeah. That they had for their contribution and their employer's contribution. They made no more or no less, pretty much in that same ballpark. So having it in the stock market, really, for the most part over that long period of time, all it did was hold it in place.   David Phelps 01:15:32 Well, it's, it's, you know, it's it's wall street, wall street is a, you know, billions and billions of dollars, trillions of dollars platform, major marketing marketing platform, and essentially wall street indoctrinates the majority into thinking that's the plan. And so it's, it's just trying to change people's mindset to say, there is another way to do it, right? It's not as easy as cooking a mouse. It's not as easy as just, you know, having money pumped into your 401k. But if that plan's not gonna work, then I tell people, shouldn't you be considering something different, even if it means you have to do a little work and do get a little education to figure out how this is gonna happen. Doesn't that make sense for you? Otherwise, you're gonna be in a very nebulous place when you want to actually take your foot off the pedal of that active income and actually go into some transition to maybe some kind of retirement model. Whenever that might be, you can't do that with the accumulation model. It's just, it's not, not, it's not there.   Wendy Sweet 01:16:28 Yeah. Well, and just as inflation changes, so does your financial number, you know, depending on what age you are and you know, what's happened all around you, you know, how do you keep up with that change in what your number is? How often should people reevaluate where they are and where they're going?   David Phelps 01:16:52 Well, I think relatively often, and, and most people don't, you know, we talk about in businesses and I think you mentioned earlier, you know, Wendy about, about having, you know, a with, with a business, you know, you have a regular monthly, you know, financial meeting and you go through, you know, the expenses and, and the, the revenues and look at profit. And I think you've gotta do that on the personal side too, whether you do that yourself and you're using a QuickBooks, or you have a, you know, have a accountant or somebody can help you. But I think you've gotta look at it on a regular basis because there is creep even without high inflation there's creep. So you add inflation into the normal creep and, and, and things can get out of hand. So you've gotta keep a real eye on what that creep looks like and realize that, that it, it does increase over time, unless you really are judicious about, about removing the things that are no longer need to be part of that burn rate that we talked about   Bill Fairman 01:17:46 Something you okay, you're always taking a breath. I'm not sure. Well, the good, the good news is I'm taking breaths. So I, I know we all preach diversification in our real estate portfolios, and everyone has different goals with their freedoms, freedom. Some of it is traveling a lot. Some of it is, you know, making sure I have a legacy that I can pass on spending time with the grandkids. Yeah. Good causes that you wanna participate in. Do you feel like it's more important to own actual assets or to be a part of more passive invested in investing syndications funds? Yeah. And again, I, I know it probably depends on, on each person and what their goals are, but we'll just talk about you in your opinion, because of your lifestyle, what you wanna do. Are, are you more in the passive stuff or more in the property holdings? It's extravagant lifestyle driving around that 1996 Toyota. Yeah. Right. It's more of a, it's a Honda accord because they are the most   David Phelps 01:19:07 Reward.   Bill Fairman 01:19:07 It's expensive to operate over a period of time.   David Phelps 01:19:12 I, I think your answer is right. It depends. And it, it it's changed in my life. So when I'm younger and I have much more time than I have money or capital to invest, then it makes sense for me to put the time in and, and really own the specific assets. Like that's what I did. I started buying properties, rental properties. I got into understanding the, the note side or the debt side and, and, and financing properties and carrying paper or buying paper. But basically I was, I was involved in the operational aspect of, of locating, acquiring the, managing the, the, these particular assets when I was younger. And that made sense where I'm in my life today. No, I don't want, I don't wanna talk to another tenant. I I'm done. I'm done with that. I'd rather have somebody else managing my assets. And that's what I call, you know, one degree of separation from your money.   David Phelps 02:20:06 Now, if I'm managing my own stuff, then I'm, I'm, I'm fully engaged with that. I get to call the shots. And so that's control and control's good, but then control also requires time. I want more time back in my life. So I can, I, I can be one degree of separated, separated from my money by investing my money in Carolina capital, because I know bill Winnie and Jonathan, I, I, I get to know you, I meet with you. I break bread with you. I'm inside kind of inside like the boardroom of what's going on with how you're managing my money. That's as best I can get without doing it myself on wall street. I could never do that. I maybe I get some financial reports, but I never actually get to talk to the people, the principals who are actually running operations to really know what's going on inside the culture. You're very open and transparent. You, you talk to people all the time. You have Wednesdays with Wendy and you're you do these shows. And I can really get to know you and decide, you know, are these people that I really know, like and trust. And, and I want to be a past investor in this point in my life. So I think it just mattered depends upon where you are in building your, your game plan, your wealth plan as to how active or passive you might want to be.   Wendy Sweet 02:21:14 And it, the networking is so important in, you know, being involved in a community that has the same values and goals. People that are like-minded that networking is so very important. You know, we we'd love everybody in the world to put their money in our fund, but we also have friends that operate funds and syndications, and that we're happy to refer to other people because we know those operators as well. So, you know, you find one good one, you know, ask them, you know, who else would you recommend? Because we all kind of think alike. We, those of us that think alike stick together, and you've done such an incredible job of doing that through freedom founders, the, the, the group of people that you have chosen not only as trusted advisors, but the people that are coming in as members of freedom founders, it's, it's just amazing how you've been able to pull just the right matchup of people.   David Phelps 02:22:25 It, it is important to surround yourself with people that are like mine have similar, similar values and are on a similar path of, you know, again, in this case, you know, creating freedom, different ways to do that different definitions, but with the same mindset of, of, we don't have to follow the herd. You heard mentality the group, think of you do the 401ks. I mean, it's one of the first things that happened when people come, you know, to our group, right? Is, is they typically have, have the 401ks and they've done all that, but they really recognize very quickly that in a place where they are networked and associated with like-minded people that there is a no like, and trust element to it, that they can go off in a different path and be much more successful as their own financial advocates and not just advocating it to, you know, a platform like wall street.   Wendy Sweet 02:23:13 So, David you've, you've said this before, if your, your, your current self was talking to your younger self, what advice would you give yourself in starting off investing your, your 25 years old? What, what advice would you give yourself?   David Phelps 02:23:34 Well, I, I started about then at that age. And so that was a good thing. I got started. Just make a decision get started. So that's number one. What I, what, what I, what I could have done better. And maybe it wasn't my fault, but I, I, I would've found mentors like local mentors more quickly. And, you know, we didn't, this is back in the dinosaurs where we didn't have smart phones. We didn't have internet, we didn't have Facebook, we didn't have up groups. There probably was some kind of real estate group that, but you know, how do you, you know, I didn't know how to find them. I just, you know, just, I didn't know today, it's so easy to get connected. So I'd say, make the decision get started, but surround yourself, find somebody a group, or, you know, a mentor. What I have found is that, you know, I've been a mentor now to mentees in the same regard that I wish I would've had, where I have deployed capital.   David Phelps 02:24:32 And you do the same thing when you deploy capital with somebody who is, you know, boots on the ground investor, rehabbing houses to fix and flip or hold as a portfolio asset. They they'll, they'll ask you for advice. I mean, the smart ones will, the smart ones say, and of course you're not gonna loan money, unless you think the, the, the business plan is, is relevant, but no, you're there not only to deploy capital with them and help them with that aspect. But also you've got all these years of advice. Why not access that while you're building your plan?   Wendy Sweet 02:25:02 Exactly. That's, you know, that's what I try to tell my kids too. I try to remind them, remember, I've got 61 years of experience. So I, through all that stuff that you're, you're trying to avoid,   Bill Fairman 02:25:15 That's what you're thinking. You're just old.   Wendy Sweet 02:25:17 Yeah, that's true. That's   Bill Fairman 02:25:19 True. I don't need to be listening to them.   Wendy Sweet 02:25:21 It's it is tough. I often say I was never as smart as I was when I was 21. That's   David Phelps 02:25:27 All downhill.   Bill Fairman 02:25:28 Well, David, let's talk about your book inflation. I, I want to plug that, but I also, there's another one I wanna plug. As soon as we're done here, we'll have the link to the Amazon in the chat as well. Let, let's talk about your newest book first.   David Phelps 02:25:47 Yeah. The inflation book we published in April this year, I sort of saw the T leaves of what was probably coming. And so we got, got with it and wrote this book to give people a sense of what, what does, what does this mean in a time of inflation, which we haven't seen in 40 years, really, since the seventies in early eighties, did we not have inflation of this level? And what does that mean to the financial markets? What does that mean for people's retirement plans? What does that mean for, you know, all the financial plans that people put in place, there's gotta be some changes there. And so the book creates a lot of the economic backdrops of how, how this came to be, how we got to here. But most importantly, like what do we do going forward as our own financial advocates? So the books there, thanks for putting the link up.   Bill Fairman 02:26:29 Oh, absolutely. The other one, since we're talking about financial freedom, I want to talk about own your freedom. It's another book that is fairly recent. And you want to talk a little bit about that as well?   David Phelps 02:26:42 Yeah. Own your freedom. I co-wrote with one of my mentors, Dan Kennedy, who has, who I've spent a lot of time with. And so we co-wrote the book we had. We, we outlined it. So didn't really be a lot of the fundamentals of how, how money works, the mindset of money. We each wrote separate chapters, but they, they, they, they cross pollinate each other. So you get to hear two different voices, different experiences. I'm very pleased with that book, cuz I think at a, at a very high level, it has something in there for everybody, no matter where you are in your life, what age you are, there's concepts that it's really a book of concepts. I'm not giving specific strategies about how to go out and you know, flip houses or you know how to invest your money per se. But it's a lot of key concepts that I, I wanna make it an evergreen book that would be kind of a, a really a staple in somebody's library if they chose to, to utilize it.   Wendy Sweet 02:27:35 Well. And then your other book too, I have to talk about this. When we talked about the next gen and what you would say to your younger self, what's the book that is good for your teens and young twenties,   Bill Fairman 02:27:49 The apprentice   Wendy Sweet 02:27:50 Model. Yeah. The apprentice model. That one, I, I gave that to both my kids and both my   David Phelps 02:27:57 Sons. Well, yeah, yeah. Oh, thank you. There. I was looking for it. I should be on a shelf here somewhere close by. Shouldn't have funny how that works. The apprentice model. Yeah. That's a book I wrote a few years ago really to, to focus on next gen younger generation. And, and you know, some of the concepts we talked about today about, about, you know, getting started early and realizing there's different pathways to get to freedom. You don't have to get degree after degree after degree in college or graduate school. It's not, it's not a requirement at all. Now. I'm not saying it's not something for some people to do, but I think there's better pass. And the defense model is really based on a mentor, mentee experience, find people in business or investing or real estate that, that are good people that you value who they are as a person and their values and that they also have some business or investing sense. Just go work for them. I don't care what you make. You know, that's not the important part. It's just go work for 'em for six months a year, get the experience. It's the best thing you can do as a young person before you get out and get kind of roped into to a, a career path, you'll have a much bigger exposure to the world and really what's important for you.   Wendy Sweet 02:29:07 Yeah,   Bill Fairman 02:29:08 Well frankly, that's the way the trades all used to work. Yeah.   Wendy Sweet 02:29:12 The   Bill Fairman 02:29:13 That's why we have a shortage. Tradesmen is because you don't have that apprentice model anymore. And the guidance counselors at all, the high schools pushed you into a four year college and it's   Wendy Sweet 02:29:26 Almost like they get a kickback, isn't it?   Bill Fairman 02:29:28 Well, here, here's the thing. If, if you are, if you have any business acumen at all and you follow an apprenticeship model yourself, you can be in business for five years and then open up your own place and make tons of money   Wendy Sweet 02:29:45 Easily and be happy in what you   Bill Fairman 02:29:46 Do. Yes, absolutely.   David Phelps 02:29:48 David. So yeah. There's I was gonna say there's, there's, there's so many skill outside of a technical expertise skillsets that are transferable sales, communication, marketing, just understanding the operations of the business. Anybody can take those degree or no degree and go run with that. And I think those are important skill sets that, that are missing badly today.   Wendy Sweet 03:30:09 Absolutely. Absolutely.   Bill Fairman 03:30:11 Listen, I, I appreciate you being so gracious. Yes. Thank you. Coming on and spending all this extra time with us,   Wendy Sweet 03:30:19 It's been great.   Bill Fairman 03:30:20 It's been an awesome show. I know it's be beneficial to a lot of folks out there and can't wait to see you in October. Yeah. Weeks, but it's a little more in a few weeks, but it's close enough.   David Phelps 03:30:34 Well, I'm back to the green room, the beach and the Mar   Bill Fairman 03:30:40 Food going now.   Wendy Sweet 03:30:42 Are you gonna be at quest? You're gonna be at the quest event.   David Phelps 03:30:44 I'm not gonna be able to make that one. I can't.   Wendy Sweet 03:30:46 Oh, I hate we're gonna miss you there. Yeah,   Bill Fairman 03:30:49 Well it's okay. It's hot and humid.   Wendy Sweet 03:30:50 That's right. Well who lives there?   David Phelps 03:30:53 Not the hotel, the hotel.   Bill Fairman 03:30:59 So anyway, thanks again for joining us. Thank you, Dave folks.   David Phelps 03:31:04 Good. See you.   Wendy Sweet 03:31:11 Yeah.   Bill Fairman 03:31:11 Okay. So I forgot something, which is our question of the week. What is your financial focus? Priorities values is your money management in line with all of that. And you can leave a comment in the comment section and we will get to the answers on the following show. Since we're doing all these in advance, it's hard for me to keep up with them. Anything else we need to put?   Wendy Sweet 03:31:40 Yeah. Just say, bye.   Bill Fairman 03:31:41 Okay, bye. So, oh, we're back. They're gonna mess with me now. Thank you so much for joining us on the real estate investor show hard money for real estate investors. We are Carolina capital management, private lenders in the Southeast for real estate professionals. If you have a project you'd like us to look at, go to Carolina, hard money.com and click on the apply. Now tab, if you are a passive investor looking for passive returns, click on the accredited investor tab. Don't forget the like share subscribe, hit the bell. And don't forget about Wednesdays with Wendy.  

Bill is a private lender that specializes in short-term purchase money loans with a construction component for real estate investors/builders in the Southeast.Also, a managing member of Carolina Capital Management, the manager of Carolina Capital Reserve Fund I, a Private Pool Mortgage Fund created to raise capital fromaccredited investors and deploy it into real estate secured loans. He is responsible for raising capital and managing the day-to-day operations of the fund and management company.A regular speaker at real estate investor and private lending events around the country,Bill has 30 years of mortgage experience that includes residential and commercial, the vast majority of that time spent in the wholesale space.He has had a unique opportunity to be involved in literally thousands of mortgage transactions and thus has seen almost every type of scenario play out, both good and bad, giving him a unique depth of experience in the real estate investment space.One of the most common questions I get is how can I put my money to work like the bank?The next step for you would be to click the link below to schedule your free 30min “Be the Bank” strategy call.http://www.carolinahardmoney.com | https://BillFairman.comInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-bill-fairman-co-founder-of-carolina-capital-management

Bill is a private lender that specializes in short-term purchase money loans with a construction component for real estate investors/builders in the Southeast.Also, a managing member of Carolina Capital Management, the manager of Carolina Capital Reserve Fund I, a Private Pool Mortgage Fund created to raise capital fromaccredited investors and deploy it into real estate secured loans. He is responsible for raising capital and managing the day-to-day operations of the fund and management company.A regular speaker at real estate investor and private lending events around the country,Bill has 30 years of mortgage experience that includes residential and commercial, the vast majority of that time spent in the wholesale space.He has had a unique opportunity to be involved in literally thousands of mortgage transactions and thus has seen almost every type of scenario play out, both good and bad, giving him a unique depth of experience in the real estate investment space.One of the most common questions I get is how can I put my money to work like the bank?The next step for you would be to click the link below to schedule your free 30min “Be the Bank” strategy call.http://www.carolinahardmoney.com | https://BillFairman.comInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-bill-fairman-co-founder-of-carolina-capital-management

James Fairman is a former RAF helicopter pilot, and founder of AFCS Help.Social Media: @afcshelpGez's social media is: @grjbooksAudiobooks available at: https://www.audible.co.uk/search?searchAuthor=Geraint+JonesIf you are a veteran struggling with mental health, or you just want a bit of help adjusting to civvie life, then say hello to the Royal British Legion at @royalbritishlegion or http://www.rbl.orgThank you to our sponsors! The show doesn't happen without them!Combat Fuel - www.combat-fuel.co.ukCombat Combover - www.combatcombover.comwww.theescapegames.co.uk Kamoflage Ltd - www.kamoflage.co.ukRite Flank - www.riteflank.co.ukZulu Alpha Strap Company - @zulualphastrapsSupport the show

Bill shares how the journey of life left him wanting control over his income. He had an understanding of the loan numbers and learned how the money works as an investor and loan provider. Building relationships and hanging out with people who have done it and are willing to share their wisdom. His biggest success has been in the ability to give back to the community and help others. 8:45 Shortage of houses 12 Housing bubble- normalize- appreciation slowing 15 Find- people can invest in 16:10 Need to surround yourself with people 20:21 Keep a journal 29 Traditional items- appraisal- close in 7-10 days, 10-11% interest 30 Character of borrower credit 38 Gratitude- be respectful of everyone 52 In shore-saltwater fishing 54 Retirement system is broken Check out more of Bill Website: carolinahardmoney.com LinkedIn: /company/carolina-hard-money/ Instagram: @/carolina_hard_money/?hl=en Facebook: /carolina-hard-money Youtube: /UCYzCFOvEt2n9TchgECLwpww Did you love the value that we are putting out in the show? LEAVE A REVIEW and tell us what you think about the episode so we can continue putting out great content just for you! Share this episode and help someone who wants to connect with world-class people. Get our free gift of 11 Hacks from Successful Entrepreneurs @ AddValue2Entrepreneurs.com. Do you struggle with procrastination? Sign up for a 5 day challenge to help you take more action and make more money in your business AddValue2Life.com/action Need some hope? Get your copy of the Dose of Hope @AddValue2Life.com/dose. Follow us at facebook.com/n2rpeterson, instagram.com/n2rpeterson,

From skydiving in Hawaii to upcoming content days, Brigid and Ty briefly look back at their week to highlight "wins". From her struggles to her triumphs, Sam then joins us and gives everyone a glimpse into her zig-zagging journey through the challenging world of business. Fortune favors the bold. Tune in to hear her inspiring story.

Today on Amplify Nursing, we talk with Dr. Julie Fairman, Professor of Nursing at the University of Pennsylvania School of Nursing. Dr. Fairman is a renowned nurse historian who has made significant contributions in studying how 20th-century healthcare issues have influenced current nursing and health care trends. Her remarkable career has sparked a new paradigm for studying the history of health care and health policy, with her current research focusing on the intersection of the Civil Rights Movement. Dr. Fairman talks with us about the nuances involved with studying the history of healthcare, the role of nurses in addressing structural racism and social injustice, and how historical perspectives shape the landscape of healthcare practice and policy today.

How we consume content changes constantly, which means as business owners and marketers, we may have to adapt how we create content . Listen as Mark and Trevor have special guest Sam Hobson Fairman, Founder of Sauce Media Group talk about how to create great content in 2022.

Welcome to The Cool Down Podcast, guest number 25, WTF1 Editor extraordinaire, Katy Fairman. We talked all about her career journey to this point, some of the cr*p she had to go through to get here, and how we felt about incorrectly predicting Ocon beating Alonso... 

Ask yourself, what is truly important? Does it really matter? These things are Doug and  Bill Spoke about. Most of the time we tend to think that things are important and we set aside what's truly important, like having a property and how it can help to generate income or rather having a business that you are so focused on and lost connection to your people and loved ones. At the end of this podcast it helps you to realize what is truly important. Learn more at https://carolinahardmoney.com (https://carolinahardmoney.com) You can find the audio podcast feed athttps://my.captivate.fm/www.TerminalValuePodcast.com ( )www.TerminalValuePodcast.com You can find the video podcast feed at www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg Schedule time with Doug to talk about your business athttps://my.captivate.fm/www.MeetDoug.Biz ( )www.MeetDoug.Biz

This episode covers Dave Fairman, who's a filmmaker based in Lansing, Michigan. Dave summarizes himself as a director, writer and editor on his website. He also has a podcast called INDIEfinitive, where he documents his journey as a filmmaker, and has discussions with other individuals in the industry. . The conversation ranges from Dave's current project, to influences, and overall tips he has for other aspiring filmmakers. Dave's website has the tagline “I just like to make stuff. Hope you like some of it.” So be sure to follow the links below to stay updated on the kind of things that Dave's making. . Main website: https://davefairman.com/ . Instagram: @davefairman . Twitter: @davidfairman . Debt (Film): https://debtthemovie.com/ . Aaron Sorkin Filmography: https://letterboxd.com/writer/aaron-sorkin/ . Movers & Shakas Program: https://www.moversandshakas.org/ . Interested in being featured in a future episode? Find Juxtaposed Journeys on PodMatch and request an interview, or send an e-mail to juxtaposedjourneys@gmail.com for further inquiries.

This week, Jenny is joined by her good friend & Head of Fawn's Social Media Team, Sam Fairman. The two talk about their morning routines & how they spark motivation. Sam shares her struggle with anxiety & how she's able to determine the difference between anxiety & intuition. She also gives a life hack on how to stay focused when self-doubt gets in the way. Instagram: @saammwiches @saucecreativeagency @jenny.l.wecker @fawndesign @thatsmyjamwithjenny Websites: saucecreativeagency.com fawndesign.com

Gar is joined this week by David Fairman, Chief Security Officer APAC for Netskope, venture partner for SixThirty, and advisor for Istari Global. He has also been a CSO for NAB, as well as Group Chief Information Security Officer for Royal Bank of Canada and spent time in JP Morgan and Royal Bank of Scotland. David shares his experience and thoughts on the difference in approach and outcome between cyber security and cyber resilience, the creation of a risk aware culture in an organisation and how to fight complacency. Gar and David also discuss zero trust, digital risk vs cyber risk, and the integration of fraud, cyber and physical into a broader enterprise security approach For the latest cyber news and insights head to www.getcyberresilient.com

If you prioritize people and principles over profit, you'll be able to better understand your customers' goals and needs. Join us in this episode as Bill Fairman explains why clients are the number one priority when it comes to lending money. Key takeaways to listen for Ways for accredited investors to invest  How to keep an IRA working Things you need to know with investing in different asset classes Building customer relationship Importance of applying what you learn When you should turn down a deal About  Bill Fairman Bill Fairman is a regular speaker at real estate investor and private lending events around the country, Bill has 30 years of mortgage experience that includes residential and commercial, the vast majority of that time spent in the wholesale space. He has had a unique opportunity to be involved in literally thousands of mortgage transactions, and thus has seen almost every type of scenario play out, both good and bad, giving him a unique depth of experience in the real estate investment space. Connect with Bill Website: Carolina Capital Management Youtube: Carolina Capital Money For Real Estate Investing Podcast: The Alternative Investor   Connect with Us To learn more about partnering with us, visit our website at https://javierhinojo.com/ and www.allstatescapitalgroup.com, or send an email to admin@allstateseg.com.  Sign up to get our Free Apartment Due Diligence Checklist Template and Multifamily Calculator by visiting https://javierhinojo.com/free-tools/. To join Javier's Mastermind, go to https://javierhinojo.com/mastermind/ and to apply to his BDB Mastermind, see https://javierhinojo.com/mastermind/#apply_form and answer the form. Follow Me on Social Media Facebook: Javier A Hinojo Jr. Facebook Group: Billion Dollar Multifamily and Commercial Real Estate YouTube Channel: Javier Hinojo Instagram: @javierhinojojr TikTok: @javierhinojojr Twitter: @JavierHinojoJr

Wendy is a veteran in the real estate industry, sporting a 30-year career that ranges from an agent, a mortgage broker, and now together with her brother, they currently run a hard money lending fund for residential and commercial projects throughout the Carolinas. Bill Fairman has 30 years of mortgage experience that includes residential and commercial, the vast majority of that time spent in the wholesale space. He has had a unique opportunity to be involved in literally thousands of mortgage transactions. Thus, he has seen almost every type of scenario play out, both good and bad, giving him a unique depth of experience in the real estate investment space.   [00:01 – 05:01] Opening Segment I introduce and welcome our guests, Wendy Sweet and Bill Fairman They talk about how their hard money lending business is fairing in this pandemic [05:02 – 27:11] The Brother and Sister Duo Wendy and Bill talk about their backgrounds They talk about what they do in Carolina Capital Management The story behind their business How hard money lending works They share what it's like being business partners with your siblings The advantages and disadvantages  [27:12 – 35:37] Looking for the Right Partners Are you looking for partners? Listen to Wendy's and Bill's tips for you! Their advice for both active and passive investors [35:38 – 46:48] Raising Capital Improve your skill to raise capital with Wendy's and Bill's advice [46:49 – 51:28] Wednesdays with Wendy Wendy talks about Wednesdays with Wendy Teaching and sharing her knowledge to help fellow real estate enthusiasts  Having the mindset of abundance [51:29 – 56:43] The Contrarian 3-Pack What would you say is the most contrarian investment you've made? Making loans on used trucks What's your favorite activity to do with your friends and family outside of work? Bill: Deep sea fishing with my brother and nephew Wendy: Meditate What actions, whether within work or family, offer you the most fulfillment in life? Our business is our ministry. We have had a lot of opportunities to touch lives with what we do. Get in touch with Wendy and Bill. See the links below.   Tweetable Quotes: “Our attitude is not, you know, we need money from you. It's more like, will you allow us to help you build wealth, and we really approach it from that mindset.” – Wendy Sweet “We know that what we have to offer is helping someone else improve their life.” – Wendy Sweet  “There's plenty of stuff that's outside of your control anyway. All you can do is control the controllables that you can control.” – Bill Fairman    Resources Mentioned: https://www.linkedin.com/company/carolina-hard-money/ (Carolina Capital Management) https://www.facebook.com/groups/124386431440487/ (Sonrisers (Facebook Group))   Get in touch with Wendy and Bill at their websitehttp://carolinahardmoney.com/ ( http://carolinahardmoney.com/). Send Wendy an email at wendy@carolinahardmoney.com LEAVE A REVIEW + help the podcast grow by sharing it with your friends, family, or someone in need. Follow me on https://www.linkedin.com/in/joblanto/ (LinkedIn) or visit our http://contrariancashflow.com/ (website) to know more.   Think Different. Earn Different. Live Fulfilled.

Sam Hobson Fairman is joining us today to chat about the ins and outs of social media and how her failed businesses ultimately lead her to create her own marketing company. Sam runs Sauce Creative Agency, a marketing agency designed to help businesses make the most of social media, along with her own podcast: The Sauce Boss Podcast. She offers so much golden knowledge on her platforms that I just HAD to invite her on to chat. We talked about how she navigated failure in her first businesses, overcoming imposter syndrome, the effect of 2020 on social media as a whole, and making social media the best platform for you personally and as a business. Listen to her podcast, The Sauce Boss Podcast, for free business advice, social media marketing strategies, and much more! Follow along @saammwiches + @saucecreativeagency Submit stories and follow along @sideyewithmadeye. Don't forget to rate and review! Thanks Side-Eye Squad! --- Support this podcast: https://anchor.fm/sideeyewithmadeye/support