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Israel and Hezbollah have reached a cease-fire agreement.USA TODAY National Immigration Reporter Lauren Villagran discusses the response in Mexico after President-elect Donald Trump's tariff threats.Elon Musk and Vivek Ramaswamy push for federal workers to return to the office.Millions of Americans could have expanded Medicare and Medicaid to cover blockbuster weight loss drugs.USA TODAY Reporter Andrea Riquier discusses what this week's announcement by Fannie May and Freddie Mac means for the housing market.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
We put the FAN in Fannie May, because we're lifelong lovers of these iconic chocolates! From Pixies to Mint Meltaways, Ioanna and Aaron have indulged in Fannie May chocolates every holiday since they were kids. Aaron's twin brother even worked in a Fannie May shop! Fannie May has been around since the 1920's when it all began as a neighborhood chocolate shop in Chicago. Since then, they've grown from a few recipes to over 100 tasty treats! We meet Fernando Bernardo, Marketing Director at Fannie May, who takes us back to when Fannie May all began. We learn about how they became so popular and why their emphasis on quality & in-store experience has made them a forever-classic holiday treat.Learn fun stories behind how your favorite chocolates came to exist- from Trinidads to Pixies, each chocolate has a tale! And, get the run down from our expert chocolatier (Bernardo) on how to gift Fannie May this holiday season and beyond, including what deals you can bite into this Black Friday, Cyber Monday, and during their annual customer appreciation weekend Dec 8-9!We end with rapid fire, discussing our favorite chocolates, a flavor we'd create, and our most nostalgic Fannie May memories!Cocktails crafted by Muddling Memories at Fannie May's “Cheers with Chocolate” event include the Pixie Espresso Brown Sugar Martini, Mint Meltaway Mint Chocolate Margarita, and Milk Chocolate Vanilla Buttercreams Vanilla Mimosa! Shop at the links below and follow Fannie May on Social for deal announcements and more signature events like the one featured in this episode's Instagram content! SHOP FANNIE MAY: https://www.fanniemay.com/us/en/STORE LOCATOR: https://locations.fanniemay.com/FANNIE MAY SOCIAL: https://www.instagram.com/fanniemaychocolates/?hl=enMUDDLING MEMORIES INFO: https://muddlingmemories.com/MUDDLING MEMORIES SOCIAL: https://www.instagram.com/muddlingmemories/
Episode 707: The insurance industry plays a vital role in our financial security and societal progress. Yet, translating innovative ideas into real impact can be a challenge. On today's Unscripted, Neil Alldredge, president and CEO of NAMIC, talks with Phil Budden, senior lecturer at the Massachusetts Institute of Technology, about the critical link between innovation and the well-being of insurance companies and the communities they serve.
Mimi and Phil talks the new LLPA's from Fannie May and Freddie Mac, reading through the hot button headlines and truly what it means for you. Plus they give us a full market update including the Fed increase of Prime Rate, Unemployment Details and Previewing the Upcoming major report CPI announcement. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Mimi and Phil talks the new LLPA's from Fannie May and Freddie Mac, reading through the hot button headlines and truly what it means for you. Plus they give us a full market update including the Fed increase of Prime Rate, Unemployment Details and Previewing the Upcoming major report CPI announcement.
Sophia Mendicino Linkedin Check out Sophia's design work at Sophiamendicino.com Education: University of Illinois- BFA Graphic Design /Art History
Eurozone inflation continues to surge, Argy 2023 wheat crop estimates fall and Fannie May expects a sharp drop in home sales... See omnystudio.com/listener for privacy information.
Historian Leslie Goddard joins WGN Radio's Dave Plier to talk about Chicago's rich history in the candy business with some of your favorites made here now or long ago in the Windy City including Baby Ruth, Tootsie Rolls, Brach’s, Lemonheads, Chuckles, Fannie May and Frangos. What's your favorite candy from when you were a kid?
Anna Davlantes, WGN Radio's new investigative correspondent, joined Bob Sirott to share what happened this week in Chicago history. Stories include Montgomery Ward’s legal battle, the opening of Fannie May’s first retail shop, Wally Phillips’ Black Box, a toast to Harry Caray, and Michael Jordan’s most iconic interview.
Welcome to the pilot episode of The Real Estate Life Podcast, where we create a life of passive income through real estate and doing what we love. In this episode we have Luis Becker, a full-time multifamily investor who came from Venezuela in 2015. Luis owns 200 apartments in Florida, 52 units in Miami and also has properties in Gainesville. Today Luis shares his experience in real estate, plus some great tips on how to achieve financial freedom through multifamily housing. All this and much more, up next. 00:40 - Introducing Luis Becker 01:25 - The first real estate experience: turning a warehouse into a medical facility in Venezuela 02:30 - Coming to the United States: first deals and getting loans 08:10 - The first investment: tha Gainsco deal 09:40 - The importance of networking and identifying good deal: a story 14:05 - Checking out the competition 15:45 - Developing land 17:50 - Refinancing with Fannie May to remodel and increase rent 19:25 - Turning land into a multifamily complex through a HUD Program 23:03 - Educating yourself 25:40 - Learning from the biggest mistakes: financing, being overenthusiastic and partners 31:40 - What does financial freedom mean to you? 33:10 - Reach out about the Gainesville deal
Tego Venturi: I want to talk about interest rates because it was an interesting week with interest rates. You know, we saw the biggest weekly move in interest rates in the law in a long time. You know, the thing that's funny about it. We were on with Chris Cooper from Bay equity. Who's one of our lenders that, you know, local lender here that we work with that that's excellent. He watches that interest rate stuff like nobody else. What were some of your takeaways when, when he talked to our team here the other day, Jane, Jane Elizabeth: I think the biggest takeaway is that even at 3%, which is pretty amazing, we're still in absolutely Epic, low interest rates and the affordability. Tego Venturi: Well, it was funny. We were joking. They went from 275 to 3 for a lot of people. It's like, Oh my gosh. Yeah. Jane Elizabeth: I think just that they went up was a little bit nerve wracking because we watched gas prices go up and now interest rates are going up and wondering if it's an overall trend, we can't help but ask that. But yeah, interest rates Tego Venturi: The one thing he said, and I think people need to think about that as if they've gotten a pre-approval Speaker 2: That's right. Yeah. That if someone got pre-approved for a loan last week, that they need to check back in, because if they got pre-approved at the real top end of their ability to qualify, they may not qualify even with a quarter percent increase in the interest rate. Tego Venturi: And we're not talking about qualifying overall, we're talking about for a certain price point. Right. Cause now they're what they can afford. Might have gone down a little bit, right. Again, talking a quarter point here, but it's, it's amazing. One of the things that I looked at this this week, Jane was predictions about interest rates, all the experts, all the housing economists, all that stuff. And Jane Elizabeth: What are they saying? The million dollar question Tego Venturi: Experts with air quotes, right? Because I think 2020 was a year of not believing the experts anymore, but sorry, I'm not going to get political here, but anyway, Jane Elizabeth: Everyone's got a motive behind their opinion, Tego Venturi: But you know, basically what we, what we looked at, the, the group I work with that pulls this data together is we looked at what Freddie Mac said, Fannie May said, which home home, not home builders, mortgage bankers association, and the national association of realtors and, and, and all of them, if you were to just take all of them and look at them, they're saying probably by the end of the year, we're going to be a little bit over 3. Right. And that's, that's it. Now another group that I followed John Burns consulting there, they looked out to 2024 and they're putting a 3.6 on 2024 interest rates point is nobody's expecting a huge change in interest rates. And we there's good chance. I saw some economists talking, there's a good chance. We'll never see six, 7% interest rates again, which, you know, it's again, it's that whole new normal thing. Right. And that could be interesting because as you know, it's effect affected or affordability, even though home prices have gone up, correct? Jane and we only had a couple of minutes left. Cause we, we talked about,uHB one 11, which was super important. I want to just talk about pre-inspections and what's your, your feeling. If you're getting ready to sell your home and somebody says, Hey, should I get a pre-inspection? What do you, what do you say? Jane Elizabeth: I say, it's a great idea for a lot of reasons. One of the reasons is when things are going so fast and we're asking buyers to make quick decisions, it's so wonderful for the buyers to have an inspection that they can look over. And it's really like a seal of approval for the sellers too. And it says we don't have anything to hide. This is what we've got. And it also helps the seller not be negotiating in a black hole. Roofs are the, probably the number one reason that deals fall out of contract. And a lot of people, they don't even look at their roof. They might've moved here from another market and they don't know that even a tile roof needs to be sealed, you know, every couple years. And so to find out after you're already under contract two weeks, that maybe you need to put a new roof on the house. That's a hard pill to swallow when you're already under contract at a certain price. So don't negotiate in a black hole when you consider the value of your home versus a 350,000, sorry, $350 inspection. It's well worth it. Tego Venturi: A hundred percent, and again, I think in this market, even even more so, because you've got a great home, it looks good. It shows, well, it markets, well, we do great photography. We do all this stuff. We do, we get it out there and you've got 20 offers or 10 offers. Let's say, let's be a little more realistic. You wanna, you know, if you have that done, it just puts you in a much stronger position Jane Elizabeth: It sure does. And one of the things that, that, that is common in such a fast market, I mean, buyers are making, again such quick decisions and there's this, you know, the next morning they wake up and say, Oh my gosh, did I do the right thing? Tego Venturi: Yeah. You get in that auction mindset, right. And then you have remorse. Jane Elizabeth: We have buyer's regret. And so if you find out that the roof is bad, you think, Oh, it was a bad decision. It just confirms that you may be decided too quickly. And so we do everything we can to minimize that follow-up rate in how we market and how we accept offers. Tego Venturi: Yeah. Yeah. The other thing is the little known thing that, that we do offer is, or at least have available for sellers is warranty a warranty during the listing period. Do you want to speak to that? Jane Elizabeth: Yeah, absolutely. It's something that maybe it's a tool that we're just starting to harness and for our sellers, but anytime, while they're listed, which isn't usually very long with the average house selling across the board in less than five days. And, and then that, that warranty also covers the whole pending period. So if the dishwasher goes out, thank goodness, they've got a, they've got a small co-pay and they can get a new dishwasher for at $75. I believe Tego Venturi: Seventy-Five dollars. It's such again, it's one of those peace of mind things. That's very little investment for a whole lot of peace of mind. Jane Elizabeth: We need to do that for all our properties.
Fannie May turns 100, Kate Sullivan shares "To Dine For" Season 2, Consumer Guide Automotive previews the Chicago Auto Show & a Chicagoan's fashion in L.A.
Mr. Garry joined Bizerba in May of 2008 as Director of Sales for the Labels and Consumables division in the United States. As the division grew through acquisition and increased revenue, Mr. Garry was promoted to Vice President of Industry for the United States in 2011, where the group enjoyed unprecedented success for several years under his leadership. In March 2014, Mr. Garry took a brief leave from Bizerba for family reasons, but returned in late 2016 to his role of Vice President of US Industry, and once again propelled the group to new heights. In February 2018, Mr. Garry was promoted to President and CEO of Bizerba USA where he oversaw the division’s Industrial, Retail, Consumable, Parts, and Service businesses, as well as management of the group’s 200 employees. Effective January 1st, 2020 Aaron Garry was named President and CEO of Bizerba’s North American region where he will oversee all Bizerba businesses in the United States, Canada, and Mexico as well as the 400 employees in the region. This position is the culmination of 22 successful years, in and around the food processing industry for Mr. Garry. Mr. Garry began his career as the 2nd of 220 employees at Chicago-based startup Ethnicgrocer.com, as a Supply Chain Analyst. He then spent several years as a Project and Procurement Manager at a boxed chocolate company called Archibald Candy Corporation, which owned such brands as Fannie May, Fanny Farmer, and Laura Secord Chocolates. After leaving Archibald, Mr. Garry joined CSC Management Consulting in their Supply Chain practice, where he worked on Procurement based engagements with a Cincinnati based energy company (now Duke Energy), and a Texas based poultry producer (Pilgrim’s Pride). Mr. Garry then joined Henkel’s North American Adhesives group as a Territory Manager in the Midwest with a focus on food and beverage processing, and was quickly escalated to North American Key Account Manager. After departing Henkel, Mr. Garry began his career at Bizerba, a 5th generation family-owned company that recently turned 153 years old, and for which Mr. Garry has great affection. Bizerba is a global leader in the areas of weighing, labeling, slicing, and inspection and their solutions can be found in a wide ranging array of retail, industrial, and logistics customers. Mr. Garry was born in raised in Kansas City and graduated from Ohio University in 1998 with a Bachelor’s Degree in Business Administration. He currently resides in New Albany, Ohio with his wife Shawna and their two sons, Evan and Ethan. In his free time, Mr. Garry enjoys watching his sons play sports, exercising, and playing basketball and golf.
This first episode of the Center for REALTOR® Development podcast focuses on pricing strategies. Our guests provide some different perspectives on pricing strategies in today’s real estate market for both buyers and sellers. Melanie McLane and Rob Mehta share their expertise on both basic and more advanced areas to consider when pricing homes. In addition, they talk about how REALTORS® can work best with appraisers, AVMs, and how to use Realtors Property Resource® (RPR®) tools. In a comparative market analysis (CMA), a REALTOR® will want to look at solds, current listings, and expireds. Solds should be as similar as possible to the subject property, and current listings allow REALTORS® to share how a seller’s home compares to others on the market. Expireds often exhibit aspirational (wishful) pricing - which in turn can help set a realistic prices for sellers. Other things to look at when comparing cost, value, and price for a client are absorption rates and supply and demand. Melanie talks about how all these factors can work together to test the market and get the best options for your clients. Melanie shares some of her experience as an appraiser and in working with appraisers. As a REALTOR®, it is important to form a good relationship with appraisers. Take them out to lunch and ask them questions and learn from them - you can use each other as a resource! The more they know, the better than can accurately appraise a property. A good appraiser will check the comps to find similar properties and take into account adjustments - which will never be the same across different prices ranger in the market - and compile a report that should then be reviewed by the agent to ensure the facts are right. In today’s market, Automated Valuation Methods, or AVMs, are very popular. A standard AVM (such as Zillow) uses public record data; for an AVM to work, the data has to be correct. It will not pick up the difference between some sales and comps, or closing costs. There are new processes being rolled out concerning AVMs that may prevent people from getting appraisals done. Melanie discusses Fannie May’s Collateral Underwriter and Day 1 Certainty, and how they may affect other aspects of the market. In the second half of the show, Rob Mehta discusses some of the same strategies above from the perspective of a seller. For AVMs, he checks multiple sources to pull reliable data, then will fine-tune the data by looking for nuances in the market. Rob is very big proponent of RPR® tools. With RPR®, you can see public data as well as MLS data; you also have the ability to modify your research and searches to reflect public record information more accurately. It is a great way for agents to obtain high-quality data that clients want, without having to look in too many places. Additional Links: NAR’s Pricing Strategy Advisor Certification Melanie McLane’s Facebook Business Page Realtors Property Resource® (check out the app too!) Onlinelearning.REALTOR® - Use coupon code: podcast Rob Mehta Partners CRD@REALTORS.org Host Information: Monica Neubauer Speaker/Podcaster/Realtor Monica@MonicaNeubauer.com FuntentionalLiving.com FranklinTNBlog.com
Today’s Best Ever guest tells you the difference between Fannie May and Freddie Mack and how to get approved for the each of the programs. Shaun Weeks’s real estate background: – Outside Loan Officer for Banc Home Loans and he is based in Ontario, California – Been in the industry for 10 years and have expensive knowledge of FHA, Fannie and Freddie loan programs – Licensed in 48 states and does both purchase and refinance loans
Housing and consumer finance expert Dean Wegner from Academy Mortgage in Scottsdale, Arizona expects to see a push of people buying homes in the coming months. Since rates hit rock-bottom in 2009, it's been a bit of a guessing game as to when the Fed would raise rates. With unemployment holding steady at 5%, analysts say the door opened wide for Fed Chair Janet Yellen to make a long anticipated move. Who will this hurt the most? According to Wegner, homeowners who have second mortgages are sure to feel the pinch. He says it will also be felt in terms of auto loans and credit card rates. Still he believes the housing market will remain strong. “Right now the home ownership rate in America is 63% and that is the lowest since 1967. So that means there is a lot of room for growth.” In 2015, the average home value went up 6 ½ % Wegner says. As home values hold, he believes people will continue to try to get in. “Boomerang buyers are coming out in full force,” Wegner says referring to buyers who had a catastrophic credit event in their past and are now looking to get back in the housing game. “These are people who got the recession behind them, they've dusted themselves off and they want to re enter the housing market. They know it's a good deal and rates are still good.” There are also a lot of incentive programs available to would-be buyers. “Programs expand the buyer pool. You want to increase housing, you allow more people to buy homes,” Wegner says. On December 12th Fannie May released a new program called the Home Ready. It focuses on “creditworthy, low-to-moderate-income borrowers” with expanded eligibility and focus on financing homes in “designated low-income, minority, and disaster-impacted communities.” Is owning a home still the American Dream? Wegner says he isn't so sure. But for those who have a steady job and paycheck, he says, buying a house is the best financial move you can make. “Take control of your life and make solid decisions,” Wegner says. “I can tell you 10 bad stories but I can also tell you 100 great stories.” The post Is Owning A Home Still The American Dream? appeared first on Inspired Media 360 TV - Inform | Inspire | Engage.
A few months ago we did an introduction to bonds episode. We wanted to get a little deeper into the topic and a listener, Eric, agreed to help us out. As you heard in the disclaimer, this is a complex topic. Stick with it though, it will all make sense by the end of the episode. There are many types of bonds but the most basic description would be, a bond is an IOU. A coupon is the interest payment and you get that on a semi-annual basis until the bond matures. At maturity, you get the face value back. A government bond is a treasury bond. These are often the benchmark that other bond rates are based on. Agency bonds are issued by government-sponsored agencies like Fannie May. Mortgage-backed securities are mortgages sold off by the mortgage lender. Corporate bonds are what many of us are familiar with. These are sold when a company needs to raise money. A municipal bond is issued by a city, town, state, or even a water company to fund expenses. Even Yankee Stadium has bonds! The yields are lower but from a tax stand point, they are a good investment. Bonds are affected by interest rates and their credit ratings. Triple A is the highest rating. Anything rated below Triple B- is considered a junk bond. Since most of our audience are buy and hold investors, we don’t need to be concerned with bond pricing on a day to day basis. You just need to be happy with the coupon payments you will receive and the credit rating of the bond. This is why Treasury bonds are a good investment for buy and holders. Phew, get all that? Show Notes Backpocket Brewing Penny Whistle: A Bavarian wheat with spice notes. Betterment: The easy way to invest. Learn more about your ad choices. Visit megaphone.fm/adchoices
Today’s Best Ever guest tells you the difference between Fannie May and Freddie Mack and how to get approved for the each of the programs. Tweetable quote: Major banks have overlays. Shaun Weeks’s real estate background: - Outside Loan Officer for Banc Home Loans and he is based in Ontario, California - Been in the industry for 10 years and have expensive knowledge of FHA, Fannie and Freddie loan programs - Licensed in 48 states and does both purchase and refinance loans Subscribe in and so you don't miss an episode! Sponsored by Cozy - Simple, free online rent payments, tenant screening and credit checks. Get Cozy for free at .
Sam and Ivan talk about: * Fannie and Freddie * Here Comes Ike * Misleading Rumors * Governor Palin * Bounces * Convention Roundup * Rove Strategy * Small Expenses * Jobs and Recession
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