Podcasts about Fargo

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  • 2,784PODCASTS
  • 7,463EPISODES
  • 47mAVG DURATION
  • 3DAILY NEW EPISODES
  • May 16, 2022LATEST

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Best podcasts about Fargo

Show all podcasts related to fargo

Latest podcast episodes about Fargo

The Power Trip
HR. 3 - Lee Valsvik Goes In The Box! - The Power Trip

The Power Trip

Play Episode Listen Later May 16, 2022 45:30


Marney shares some fascinating details about North Dakota in anticipation of the live show in Fargo on Friday, Cory teases a new Initials Game bracketed tournament, Cory has Headlines and Lee Valsvik goes In The Box!

Grace City Sermon Audio
The Sole and the Spirit | John 13:1-17

Grace City Sermon Audio

Play Episode Listen Later May 16, 2022


The Sole and the Spirit | John 13:1-17: To believe or not to believe. That is the question.This sermon was preached by Ryan Orcutt at Grace City Church in Fargo, North Dakota.To learn more, please visit our website at www.gogracecity.church.

Calvary Chapel Fargo
Deuteronomy 15 – “Freeing Words”

Calvary Chapel Fargo

Play Episode Listen Later May 15, 2022


Pastor Seth Wetter teaches us, to be Servants of Jesus, Not Volunteers. Be Yoked to Jesus, be Free as He leads you. From the Book of Deuteronomy, the 15th Chapter. On May 15th, 2022 God's Word is Truth!

Radio Labyrinth
S7 Ep19: Steph's Perfect Pictures

Radio Labyrinth

Play Episode Listen Later May 14, 2022 55:54


This weekend the gang's all here and we are back in the Labyrinth. We look at some upcoming tribute shows for some recently lost comedy legends. Tim & Steph wax poetic on popcorn. And we each explain our four perfect films in Steph's Perfect Pictures. And what kind of weekend would it be without some Views or Snooze? Thanks for listening/watching and always remember to Keep It Canon! #TheGodfather #Fargo #PulpFiction #HotFuzz #GenX #PopcastwithTimAndrews #Atlanta #Radio#RadioLabyrinthPodcast #PopCulture #Depp #quentintarantino ________________________________________________________ YouTube version of the Podcast: https://youtu.be/W9J70Jk9U4o ________________________________________________________ Host: Tim Andrews Co-Hosts: Jeff Leiboff, Steph Swain and Dustin Lollar Intro song performed by John Marc Lundell Atlanta Drone Photos courtesy of Featherstone Photography Video & Audio edited and produced by Dustin Lollar _________________________________________________________ Leave us a Comment and a Like! Follow our Audio Podcast: Radio Labyrinth Podcast on Spotify, iTunes, Audible or any podcatcher! Follow our YouTube page! https://www.youtube.com/radiolabyrinthpodcast Become a Radio Labyrinth Patron! https://www.patreon.com/Timandrews Our website! https://radiolabyrinthpodcast.com/ Social Media: Twitter - https://twitter.com/radio_labyrinth Facebook - https://www.facebook.com/radiolabyrinth/ Instagram - @RadioLabyrinthPresents and @RadioLabyrinth TikTok - @RLPodcast _________________________________________________________ *Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. NO COPYRIGHT INFRINGEMENT INTENDED. All rights belong to their respective owners. _________________________________________________________ We love our sponsors! Atlanta Pizza & Gyro http://www.atlantapizzagyro.com/ https://www.facebook.com/atlpizza/ Our Friends! The Power Pod with WSB's, Jared Yamamoto, et. al. https://podcasts.apple.com/us/podcast/the-power-pod/id1459204880 One Topic with our very own, Autumn Fischer & Greg Russ https://onetopic.podbean.com/ The Wilder Ride with Alan Sanders and Walt Murray https://thewilderride.com/ WKRPCast Podcast: https://podcasts.apple.com/us/podcast/wkrp-cast/id1528859625 Bryan Silverbax Show https://podcasts.apple.com/us/podcast/bryan-silverbax-show/id1451504886 The Regular Guys Review with Larry Wachs https://www.stitcher.com/podcast/lawrence-wachs/the-regular-guys-review What Happened When Podcast http://www.mlwradio.com/what-happened-when-.html _________________________________________________________ THANK YOU SO MUCH TO ALL OF OUR RADIO PRODUCERS & PATRONS! Thanks to our Radio Labyrinth Producers: Marty Johnson, Tim Slaton, Brett Perkins, Mike Hall, Shawn Hall, Chad Shepperd, Andrew Hopkins, Todd Ellis, Melissa Knowles, Bryan Smith,, Mike D, Matt Carter, Erick Malmstron & Keith Tait. And thank you to all of our awesome Patreon Patrons: Hemp Huntress, Tracy McCoy, Emily Warren, Buck Monterey, Randy Reeves, Robey Neeley, Robert Kerns, Wayne Blair, Sherrie Dougherty, Rusty Weinberg, Michael Einhaus, Mark Weilandt, Leslie Haynie, Kevin Stokes, Jesse Rusinski, Jeremy Truman, Jeff Peterson, Herb Lamb, Gwynne Ketcham, Denise Reynolds, David C Funk, Collin Omen, Christopher Doerr, Chris Weilandt, Chris Cosentino, Brian Jackson, Brennon Price, Andrew Mulazzi, Andrew Harbin, Amber Gilpatrick, Alan Barker, Aaron Roberts, Walt Murray PI, Sam Wells, Ryan Wilson, Lou Coniglio, Kevin Schwartz, Gus Turner, Jonathan Wilson.

News & Views with Joel Heitkamp
Allie Ollenburger is running for Fargo School Board

News & Views with Joel Heitkamp

Play Episode Listen Later May 13, 2022 9:00


05/13/22 : Allie Ollenburger is running for Fargo School Board, and joins Joel in the studio to talk about her campaign.  See omnystudio.com/listener for privacy information.

Growing Harvest Ag Network
Farm Talk: North Dakota and Minnesota science teachers are encouraged to sign up for an "Exploring Biotech and Biofuels" workshop

Growing Harvest Ag Network

Play Episode Listen Later May 13, 2022 2:54


This Farm Talk Segment is brought to you by the North Dakota Corn Utilization Council. The council is sponsoring an “Exploring Biotech and Biofuels” workshop with EducationProjects.org that will be taking place in person in Fargo and virtually on June 16th, 2020. In this 2-day workshop, participants will create and test biofuels, learn about plant science and pollination, examine GMO facts, myths, and modern methods of plant breeding. The workshop is free to participants, science teachers in North Dakota and Minnesota can sign up for one of the seven spots remaining. See omnystudio.com/listener for privacy information.

Gone Outdoors
"Gone Outdoors" Radio Live From Fargo Scheels For "Fish Fest 2022"

Gone Outdoors

Play Episode Listen Later May 13, 2022 37:37


Scott Brewer and Kyle Agre are broadcasting live from the Fargo Scheels Fish Fest event!  "Gone Outdoors" will feature Scheels experts live from the tent in the Scheels parking lot talking fishing and getting anglers geared up for the open water season. See omnystudio.com/listener for privacy information.

95.9 KRFF Side Stage Show
Mark Joseph Interview

95.9 KRFF Side Stage Show

Play Episode Listen Later May 13, 2022 16:06


The multi-talented Mark Joseph recently made his way to Fargo to celebrate the release of his latest album "Vegas Motel" ironically enough about a past stay in Minot North Dakota.  Each song telling the story of a different individual.  We chatted with Mark about the record, the multiple projects he's a part of and more! Check it out! 

In Creative Company
Episode 635: Tankhouse - Noam Tomaschoff, Chelsea Frei, Matthew Cooper, Tara Holt, and more.

In Creative Company

Play Episode Listen Later May 12, 2022 34:09


Q&A on the film Tankhouse with writer & director Noam Tomaschoff, writer Chelsea Frei, producer Matthew Cooper, and actors Tara Holt, Stephen Friedrich and Austin Crute. Moderated by Mara Webster, In Creative Company. After being blacklisted from the New York City theatre industry, Tucker and Sandrene decide their only course of action is to move to Fargo, North Dakota, and start a theatrical revolution.

News & Views with Joel Heitkamp
Cash Aaland discusses ND Supreme Court Case regarding quick-take eminent domain

News & Views with Joel Heitkamp

Play Episode Listen Later May 12, 2022 14:00


05/06/22 : Perry Miller is filling in for Joel and is joined by Cash Aaland, a criminal defense attorney at Aaland Law Firm in Fargo, ND. Perry and Cash dive into the details behind a North Dakota Supreme Court case regarding the diversion authority attempting quick-take eminent domain taking place in Cass County.  See omnystudio.com/listener for privacy information.

Harvard Alumni Entrepreneurs Invites
The Blockchain Technology Driving Innovation

Harvard Alumni Entrepreneurs Invites

Play Episode Listen Later May 11, 2022 20:33


IN THIS EPISODE:  In this episode our host, Philip Guarino, is joined by Tom Sylvester, General Counsel for Hedera Hashgraph. As an expert in Distributed Ledger Technology (DLT) Tom demystifies Hedera's DLT process and dives into the benefits of building a public ledger for the decentralized economy. From transparency to autonomy to security, the two discuss how the crypto landscape has been leading innovation in the global technology sector, from its transition from Blockchain to Hedera, and everything in between. Tom gives an honest account of the challenges and potential drawbacks to a crypto-forward future, and highlights the new opportunities that await in a world that puts the power of data back into the hands of individuals. Don't miss the chance to learn about the blockchain technology paving the path to a greener, more secure future.   GUEST BIO:  Tom Sylvester is the General Counsel for Hedera Hashgraph, a sustainable, enterprise-grade public ledger for the decentralized economy. He also serves as the Board chair for Braver Angels, a national nonprofit that brings liberals and conservatives together to reduce polarization. Before joining Hedera, Tom worked in Abu Dhabi as the Senior Director of Policy & Strategy for Tamkeen, the Abu Dhabi government partner to New York University Abu Dhabi, a highly selective liberal arts college with a globally diverse student body. He also worked in New York as an associate at the international law firm Cleary Gottlieb. Tom grew up in Fargo, North Dakota and received a BA in Social Studies from Harvard and a JD from Yale Law School.

Calvary Chapel Fargo
Guest Speaker Tim Molter – Philippians 4

Calvary Chapel Fargo

Play Episode Listen Later May 11, 2022


Pastor Tim Molter teaches how we as Christians are to handle anxiety and uncertainty in our lives. From the 4th chapter of Philippians On May 11th, 2022 God's Word is Truth!

News & Views with Joel Heitkamp
Rebecca Knutson is running for re-election on Fargo School Board

News & Views with Joel Heitkamp

Play Episode Listen Later May 11, 2022 12:59


05/10/22 : Rebecca Knutson is the current President of the Fargo School Board, and is running for re-election. She joins Joel on "News and Views" to talk about her decision to run again and her thoughts on her time on the board so far.  See omnystudio.com/listener for privacy information.

Come To The Sunshine
Episode 187: Come To The Sunshine 195 - Al Capps

Come To The Sunshine

Play Episode Listen Later May 11, 2022 117:21


In an episode first aired on May 2, 2022: DJ Andrew Sandoval explores the vast studio world of songwriter/producer/arranger, Al Capps. Capps was a mainstay of the Los Angeles session scene and worked on as many records as more well-known figures like Hal Blaine, but his talents ranged even further: from vocals, to co-writing hits like "She's Just My Style" and arranging songs for nearly a hundred artists in the 1960's alone.On this episode, Sandoval spins selections from Capps' work with The Gas Company; Gary Lewis & The Playboys; The Bantams; Them; London Phogg; Lesley Gore; Beethoven Soul; Brian Hyland, Don Scardino; Bobby Vee & The Strangers; The Morning Glories; Dino, Desi & Billy; The Lennon Sisters; Peter Courtney; The Surprise Package; The Everly Brothers; The Nitty Gritty Dirt Band; Pat Shannon; Sparks; Jesse Lopez; The Vogues; The First Edition; Frankie Randall; The Doodletown Pipers; The Blackwell Manner; Joey Paige; Bob & Kit; Thomas & Richard Frost; Fargo; The Roosters; Freddy Cannon; Shiny Brothers; Danny Hutton; Tommy Sands; The Committee; The Green Beans; Davy Jones; The Congregation; Belland & Somerville; The Honeys and the Fault Line.

The FAMILY? Cast: Food And Music Is Life Yes? with Chef Josh K
55. Ryan O'Nan: Against The Wall, Big Sky, Winders, Queen of The South, Wu-Tang: An American Saga, Fargo, AND SO MUCH MORE.

The FAMILY? Cast: Food And Music Is Life Yes? with Chef Josh K

Play Episode Listen Later May 10, 2022 78:04


KING GEORGE? Yes, also, Ryan. His accolades are many, and he is currently acting, writing, and directing as we speak. Believe me! Too much stuff to list here, so check this out https://www.imdb.com/name/nm1645352/ and he is on IG: instagram.com/onanthebarbarian (links to buy his BOOK there too!) Before all of this big time Hollywood stuff, he was a punk rock kid in San Diego, CA -- making music and playing with our favorite heroes like Good Riddance and Propagandhi, to name a few. Find out how he transitioned from making music like that, to acting and writing, and authoring(!) and more. This was a trip down memory lane for sure. Enjoy! Clip from his movie/band trailer: "The Brooklyn Brothers Beat the Best" (https://www.youtube.com/watch?v=g7DOoF93rEM) Music: Against The Wall (Ryan's band, not the other one) "Trials of The Finch" unreleased... +=++======+==++++===+=======+++++===+++=+=== FAMCAST THEME SONG written/performed by McQueen (instagram.com/mcqueen_studios), vox by myself.... If you want to hire me to make music with you: https://featuredx.com/feature/josh-kemble/ or DM me!! I take venmo too: @joshuack IJS... THANKS FOR LISTENING AS ALWAYS -- LOVE CHEF JOSH (YOSH) Follow the show on instagram.com/thefamilycast and for more exclusive content check patreon.com/familycast and linktr.ee/familycast for all the links!! Check out buymeacoffee.com/punkchef too... Please leave a rating and review, wherever you listen. Tremendous! You need a KNIFE or 2? or 3! check out GRUMPY CHEF: visit grumpychefshop.com use code FAMCAST at checkout for 15% off everything! BE SURE TO CHECK OUT THE YOUTUBE CHANNEL (video clips of the interviews) good COFFEE+TEA: essexcoffeeroasters.com use code FAMCAST at checkout!!! Get some HYDRATION: shop liquiddeath.com and use code FAMCAST at checkout. Stay up to date on music I'm making/have done: https://soundcloud.com/atwarwithin and SAINT DIDACUS: saintdidacus.bandcamp.com .. #chefjoshkemble ================== #foodandmusicislifeyes ============= #thepunkchefpodcast =============== #thefamilycast =============== #punkchefpairings ============= #SRRSS share | rate | review | subscribe | support ==================== --- Send in a voice message: https://anchor.fm/familycast/message

The Nonprofit Exchange: Leadership Tools & Strategies
Engaging Local Communities and Driving Civic Engagement

The Nonprofit Exchange: Leadership Tools & Strategies

Play Episode Listen Later May 10, 2022 30:30


Engaging Local Communities and Driving Civic Engagement  How nonprofits can engage local communities to help make a positive change and increase civic engagement Nonprofit leaders are able to go out and engage communities in ways that can help galvanize the public into improving their city or town. Nonprofits can dedicate their time to fighting for a cause that the local population is passionate about and ultimately bring about positive change in their communities. In the case of the Center for Election Science, the organization engaged with the community in Fargo and St. Louis and helped them improve their local democratic process through approval voting, which can make the local population feel more involved. Aaron Hamlin is the Executive Director and Co-Founder of the Center for Election Science, a non-profit organization that works to get the approved voting system implemented in cities across the United States. Since 2018, Aaron and his team have engaged voters in both Fargo, North Dakota, and St. Louis, Missouri to get approval voting passed and empower citizens with a stronger democracy. More about the Center for Election Science - https://electionscience.org For nonprofit leadership resources - https://www.aaronhamlin.com   Learn more about your ad choices. Visit megaphone.fm/adchoices

Grace City Sermon Audio
Therefore They Could Not | John 12:37-50

Grace City Sermon Audio

Play Episode Listen Later May 8, 2022


Therefore They Could Not | John 12:37-50: To believe or not to believe. That is the question.This sermon was preached by Jeremy Martinson at Grace City Church in Fargo, North Dakota.To learn more, please visit our website at www.gogracecity.church.

Movie Trap
Fargo (1996)

Movie Trap

Play Episode Listen Later May 8, 2022 82:15


William H Macy, Steven Buscemi, and Peter Stromare try to kill people over less and less money while Frances Mcdormand tries to stop them. Click to SUBSCRIBE ► https://bit.ly/MovieTrap TWITTER ► https://www.twitter.com/themovietrap Movie Trap are: Boruff ► https://twitter.com/kboruff Carlsen ► https://twitter.com/RussellCarlsen Powers ► https://twitter.com/Powerswerth Music by Harry Foster! harryfostermusic @ gmail.com Show Cover Art by Josh Hollis! @joshua_hollis #MovieTrap #CohenBrothers #Fargo

Calvary Chapel Fargo
Judges 2:10 – “There Arose Another Generation”

Calvary Chapel Fargo

Play Episode Listen Later May 8, 2022


Pablo Esparza teaches us, to Remember what God has Done for You. Don't Allow Sin to Dwell in your Body, rid all Sin. From the Book of Judges, Chapter 2, Verse 10. On May 8th, 2022 God's Word is Truth!

Bethel Church of Fargo, ND Sermons

ONE THING Take time to listen - “Being heard is so close to being loved that for the average person, they are almost indistinguishable.” - David Augsburger

News & Views with Joel Heitkamp
Chief Zibolski addresses Fargo drag racing

News & Views with Joel Heitkamp

Play Episode Listen Later May 6, 2022 9:40


05/06/22 : Perry Miller fills in for Joel, and is joined by Fargo Police Chief Dave Zibolski to talk about the drag racing issue in Fargo.  See omnystudio.com/listener for privacy information.

InForum Minute
Flooding update for the northern Valley, Fargo stabbing, Holmberg warrant, and more

InForum Minute

Play Episode Listen Later May 6, 2022 17:47


WDAY First News anchor Drew Trafton gets you caught up on everything you need to know for Thursday, May 6. Get your first three months of unlimited access to our entire network of news sites for only ninety-nine cents a month! Inforum.com/subscribe

InForum Minute
Morning headlines: Police searching for suspect after south Fargo stabbing

InForum Minute

Play Episode Listen Later May 6, 2022 4:07


Today is Friday, May 6. Here are your top headlines from around the Fargo, North Dakota area. InForum Minute is a product of Forum Communications, brought to you by reporters from The Forum of Fargo-Moorhead and WDAY TV. For more news from throughout the day, go to InForum.com.

News & Views with Joel Heitkamp
Arlette Preston addresses drag racing in Fargo area

News & Views with Joel Heitkamp

Play Episode Listen Later May 5, 2022 10:14


05/05/22 : The KFGO Newsroom recently wrote an article regarding street racing and noise complains from vehicles in Fargo and across the state. Fargo City Commissioner, Arlette Preston, joins Joel on "News and Views" to address the topic and let the listeners know of a listening session regarding the topic tonight.  See omnystudio.com/listener for privacy information.

News & Views with Joel Heitkamp
Nyamal Dei is running for Fargo School Board

News & Views with Joel Heitkamp

Play Episode Listen Later May 5, 2022 4:58


05/05/22 : Nyamal Dei joins Joel in the KFGO studio to talk about her decision to run for Fargo School Board. Learn more about her here.  See omnystudio.com/listener for privacy information.

It Takes 2 with Amy & JJ
Ground Breaking Day for the Fargo Parks Sports Complex

It Takes 2 with Amy & JJ

Play Episode Listen Later May 5, 2022 7:56


Dave Leker, Fargo Parks Executive Director, joins Amy & JJ to talk about the new Fargo Parks Sports Complex. The official ground breaking is today (5/5/22) with plans to have the doors open in 22-24 months.  See omnystudio.com/listener for privacy information.

InForum Minute
A perspective on regional flooding, storm relief for western ND, Fargo street racing crackdown, and more

InForum Minute

Play Episode Listen Later May 5, 2022 15:53


WDAY First News anchors Drew Trafton and Se Kwon get you caught up on everything you need to know for Thursday, May 5. Get your first three months of unlimited access to our entire network of news sites for only ninety-nine cents a month! Inforum.com/subscribe

The Ken Carman Show with Anthony Lima
May 5, 2022 - 8AM Hour: Mary Kay Cabot + Fargo

The Ken Carman Show with Anthony Lima

Play Episode Listen Later May 5, 2022 36:30


Mary Kay Cabot joined the show with the latest on the Browns including the Watson case. Clowney/Landry updates. Should Browns/Panthers revisit Mayfield trade? But first, thoughts on the movie Fargo. Listen to The Ken Carman Show with Anthony Lima weekday mornings 6-10am on Sports Radio 92.3 The Fan and the Audacy App!

InForum Minute
Morning headlines: Fargo city leaders holding town hall today to address street racing

InForum Minute

Play Episode Listen Later May 5, 2022 3:16


Today is Thursday, May 5. Here are your top headlines from around the Fargo, North Dakota area.  InForum Minute is a product of Forum Communications, brought to you by reporters from The Forum of Fargo-Moorhead and WDAY TV. For more news from throughout the day, go to InForum.com.

Celluloid Fever Dreams
Ep.64:The Death of Stalin (2017)

Celluloid Fever Dreams

Play Episode Listen Later May 5, 2022 36:08


After the death of Josef Stalin the members of his committee plot and scheme to hold on to their positions, win the heart of the Soviet people, and most importantly survive the transition of power. This dark, satirical comedy from Armando Iannucci (Veep, In the Loop) draws some of it's most absurd elements from the historical record. Join Wyndham Jennings on a stroll through the Cold War era and a hysterical look at how power corrupts in this week's episode of Celluloid Fever Dreams. Do it, or be sent to Siberia! Other Films Mentioned: Near Dark, Fargo, Jabberwocky, Black Widow, Mindhorn, Reign of Fire, --- Support this podcast: https://anchor.fm/celluloidfeverdreams/support

Calvary Chapel Fargo

Pastor Seth teaches, the intellectual teachers examines the apostles. What is it about Spirit filled Christians? They have been with Jesus. In the 4th chapter of the Book of Acts On May 4th, 2022 God's Word is Truth!

Killer Stories
8-5 The Murder of Helle Crafts (AKA The Wood Chipper Murder)

Killer Stories

Play Episode Listen Later May 4, 2022 26:42


This week I am covering the case of Helle Crafts. A flight attendant who was murdered by her pilot husband, Richard Crafts. He disposed of her body using a wood chipper, inspiring the ending in one of my favorite movies- Fargo.https://linktr.ee/KillerStoriessources:https://murderpedia.org/male.C/c/crafts-richard-photos.htmhttps://www.history.com/this-day-in-history/green-beret-indicted-for-murderhttps://storiesoftheunsolved.com/2018/11/14/the-murder-of-helle-crafts/https://www.frontpagedetectives.com/p/woodchipper-connecticut-murder-crafts-case-todayhttps://en.wikipedia.org/wiki/Murder_of_Helle_CraftsThe Woodchipper Murder by author Arthur Herzog IIICrimes of Passion - The Woodchipper Murder part 1 & 2

LWML On The Go
Ep. 140: Perfect Protection — Devotion

LWML On The Go

Play Episode Listen Later May 4, 2022 8:45


Devotion on Relationship with God, Trust, Psalm 91:1–2. 2 pages. He who dwells in the shelter of the Most High will rest in the shadow of the Almighty. I will say of the Lord, “He is my refuge and my fortress, my God, in whom I trust” (Psalm 91:1–2). There is an even greater need for shelter and protection than physical shelter. It is the protection of our faith in our redeeming Lord and Savior. Our world is full of evil and sin, which is attacking us every day on every side seeking to lure us away from God. Perfect Protection by Dottie Sincebaugh, Fargo, North Dakota Copyright © 2007 Lutheran Women's Missionary League. All rights reserved.  

InForum Minute
Fargo police conduct downtown search, a late MN ice out, taking a healthier route to school, and more

InForum Minute

Play Episode Listen Later May 4, 2022 16:04


WDAY First News anchors Drew Trafton and Se Kwon get you caught up on everything you need to know for Wednesday, May 4. Get your first three months of unlimited access to our entire network of news sites for only ninety-nine cents a month! Inforum.com/subscribe

News & Views with Joel Heitkamp
Kilbourne Group gives us a downtown Fargo update

News & Views with Joel Heitkamp

Play Episode Listen Later May 4, 2022 13:14


04/29/22 : Joel is joined by Adrienne Olson, the Vice President of Communication at Kilbourne, as well as Trenton Gerads and Sam McDonald with the Cass Clay Community Land Trust. See omnystudio.com/listener for privacy information.

InForum Minute
Morning headlines: Demolition of the old Cass County Public Health building will set the stage for a new $38 million hotel/apartment complex

InForum Minute

Play Episode Listen Later May 4, 2022 3:18


Today is Wednesday, May 4. Here are your top headlines from around the Fargo, North Dakota area.  InForum Minute is a product of Forum Communications, brought to you by reporters from The Forum of Fargo-Moorhead and WDAY TV. For more news from throughout the day, go to InForum.com.

Lady to Lady
"Bud the Cat" ft. Allison Tolman

Lady to Lady

Play Episode Listen Later May 4, 2022 80:06


Allison Tolman (@allison_tolman) joins the ladies to talk about sleeping next to their phones, how not all little girls dreamt of their wedding day and Allison talks about acting in Fargo. Allison also talks about her time working in theater, they play Inside The Actor's Studio, Allison's cat Bud makes a cameo and they answer two lady problems about a a break up and asking work for a raise!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

News & Views with Joel Heitkamp
Mayor Mahoney talks about Roers building project

News & Views with Joel Heitkamp

Play Episode Listen Later May 3, 2022 10:03


05/03/22 : Joel is joined by Mayor Tim Mahoney to talk about last night's city commission meeting in Fargo. Commissioner Piepkorn had some heated comments for Jim Roers after his building project was brought up at Monday night's commission meeting.  See omnystudio.com/listener for privacy information.

numberFire Daily Fantasy Podcasts
The Heat Check: PGA Wells Fargo Championship 2022

numberFire Daily Fantasy Podcasts

Play Episode Listen Later May 3, 2022 24:05


The Wells Fargo Championship is a PGA Tour schedule mainstay, but we're faced with an uncommon course for the week. What does that mean for course history and the upcoming event? numberFire's Brandon Gdula breaks down the key stats at TPC Potomac, discusses the viability of heavy favorite Rory McIlroy​, and provides his favorite daily fantasy golf picks and bets for the week.

InForum Minute
Morning headlines: Fargo city commissioner calls developer a 'liar' after townhomes not built

InForum Minute

Play Episode Listen Later May 3, 2022 3:18


Today is Tuesday, April 3. Here are your top headlines from around the Fargo, North Dakota area.  InForum Minute is a product of Forum Communications, brought to you by reporters from The Forum of Fargo-Moorhead and WDAY TV. For more news from throughout the day, go to InForum.com.

Lynckup
Ep 164 Maggie Graham

Lynckup

Play Episode Listen Later May 3, 2022 119:39


On this episode we had the pleasure of talking to Silver medal winner at the 2021 Pan American Games Maggie Graham and her wrestling coach Mark Beckwith AKA Motivational Mark.  Maggie is a 3x TSSAA state champion at 3 different weight classes, Freestyle nationals 3rd place(Fargo), Preseason nationals runner up, Folkstyle national champion, Pan Am silver medalist  and Cadet world team member   https://www.instagram.com/maggie._graham   https://www.actionnews5.com/2021/06/21/bartlett-wrestler-maggie-graham-sets-sights-2024-olympics-while-breaking-barriers-girls-sport/   "Last year Maggie earned her spot at the World Team Trials to represent Team USA. It's that time again!! Her schedule for National Tournaments will be Folkstyle Nationals in Colorado Springs, National Recruiting Showcase/ US Open in Vegas, World Team Trials in Fort Worth, National Duals in Tulsa and Junior Nationals in Fargo.  Please help her stay successful in achieving her dreams by helping fund her expenses. If you know anything about her you know how passionate she is about wrestling and reaching her goals. From the bottom of my heart I thank you."   gofundme.com/f/maggies-freestyle-wrestling-national-fundraising  

It Takes 2 with Amy & JJ
Fargo's Fraud Squad - Elder Abuse, Content Stealing and More

It Takes 2 with Amy & JJ

Play Episode Listen Later May 2, 2022 10:17


Phil Swan, Fraud Expert with Gate City Bank, joins It Takes Two with Amy & JJ to discuss a conference coming up on how to spot Elder Abuse as well as some high level tips on how to spot financial abuse of the elderly. Plus, a special warning on how people steal content aimed at children and add vulgar language/situations.  See omnystudio.com/listener for privacy information.

InForum Minute
Morning headlines: Busy 13th Ave. South in Fargo down to one lane for construction project

InForum Minute

Play Episode Listen Later May 2, 2022 3:33


Today is Monday, April 2. Here are your top headlines from around the Fargo, North Dakota area.  InForum Minute is a product of Forum Communications, brought to you by reporters from The Forum of Fargo-Moorhead and WDAY TV. For more news from throughout the day, go to InForum.com.

Grace City Sermon Audio
The Hour Has Come | John 12:12-36

Grace City Sermon Audio

Play Episode Listen Later May 1, 2022


The Hour Has Come | John 12:12-36: A seed in the hand never produces fruit.This sermon was preached by Jeremy Martinson at Grace City Church in Fargo, North Dakota.To learn more, please visit our website at www.gogracecity.church.

Calvary Chapel Fargo
Deuteronomy 14 – “Purifying Words”

Calvary Chapel Fargo

Play Episode Listen Later May 1, 2022


Pastor Seth Wetter teaches us, to be Separated from the World. Choose Jesus, Not Money. Learn to Live and Love as the Children of God. From the Book of Deuteronomy, the 14th Chapter. On May 1st, 2022 God's Word is Truth!

Bethel Church of Fargo, ND Sermons
Begin in Prayer - B.L.E.S.S.

Bethel Church of Fargo, ND Sermons

Play Episode Listen Later May 1, 2022


ONE THING Start each day with the Lord's Prayer (Matthew 6:9–13). Watch for how God answers your prayer throughout the day.

InForum Minute
Fargo stolen vehicle crash, MN officer-involved shooting, kids use an auto shop for a classroom, and more

InForum Minute

Play Episode Listen Later Apr 29, 2022 13:49


WDAY First News anchors Lisa Budeau and Se Kwon get you caught up on everything you need to know for Friday, April 29. Get your first three months of unlimited access to our entire network of news sites for only ninety-nine cents a month! Inforum.com/subscribe

Working Capital The Real Estate Podcast
Real Estate Lending and the BRRR Strategy with Jesse Bobrowski | EP101

Working Capital The Real Estate Podcast

Play Episode Listen Later Apr 28, 2022 39:27


Jesse Bobrowski is a Vice President and Partner of Business Development at Calvert Home Mortgage Investment based in Calgary, Alberta. In this episode we talked about: Jesse's  Bio & Background Lending in Real Estate- BRRRR Strategy Hard Money Lenders VS Private Lenders Underwriting Deals Interest Rates and Inflation Resources and Lessons Learned Useful links: Book: The Five Dysfunctions of a Team: A Leadership Fable https://chmic.ca https://www.instagram.com/calverthomemortgage_/?hl=en Transcriptions: Jesse  (0s): Welcome to the working capital real estate podcast. My name is Jesper galley. And on this show, we discuss all things real estate with investors and experts in a variety of industries that impact real estate. Whether you're looking at your first investment or raising your first fund, join me and let's build that portfolio one square foot at a time.   Jesse  (23s): Ladies and gentlemen, my name's Jessica galley, and you're listening to working capital their real estate podcast. My special guest today is a another Jesse Jesse . Jesse is the vice president and partner of business development at Calvert home mortgage. We're going to talk today about burst strategies, home mortgages, anything to do with lending. We're going to go into a little bit of Jessie's background and kind of shoot from the hip. So hope you enjoy it, Jesse. How are you doing today?   Jesse B (50s): I'm doing great, Jesse. Thanks for having me along and hello to all your wonderful listeners.   Jesse  (56s): Yeah, thanks for coming on. We were just chatting right before the show. It's a little sunnier here in Toronto. You are joining us from a little bit further west, and you're saying that you, you guys, you guys are snowing right now.   Jesse B (1m 10s): We are actually, it's sunny. Now we sold for the last 24 hours. So yeah, we got about half a foot of snow on the ground,   Jesse  (1m 18s): Right on. So that's out in Calgary. So I think I'm not sure if we've chatted about this, the audience that we have. I always like to say it's a, it's a podcast by a Canadian for all real estate investors, because I think 60% of our listeners are in the us 40% in Canada. So maybe those in the Midwest are getting a little bit of snow as well, this time of year. But for listeners, as we do with all our guests, perhaps you can give us a little bit of a background about how you got into real estate, that journey for you and, and where you're at today and what you're doing.   Jesse B (1m 53s): Yeah, sure. I'd love to give the listener some insight into how I got here. So 16 years ago, I finished my university career. I went to a school in Ontario. I'm from Ontario, actually thunder bay, born and raised and, and finished my, my university career with a degree honors, spatular, commerce, finance, and marketing, and being from thunder bay.   There's not much opportunity for somebody to work in the finance industry. So I was looking for other places to go. This is back in 2007. I had friends in Toronto that had left on our bay. I had friends in, in Calgary and some friends in Vancouver. I grew up fishing, hunting, skiing, sledding, outdoor stuff. And everybody who was in Calgary was not only doing really well professionally, but they were enjoying the outdoors.   So it was an easy fit. I moved to Calgary, worked for a very short period of time as a proprietary trader. And during university, I bar tended at a, at a, at a, at a restaurant and I loved it. So when I moved to Calgary young professional right away, I got a bartending gig, great way to meet people, not a bad way to earn some money and also a great way to meet females at the time.   So, so got into that. And through that, there were these regular clients that came in and I got to know them and they were, they ran a syndicated mortgage lending company. And as I got to know them, they got to know me and about what I did. And, and soon I started doing some consulting work for them and learning about the business. I was super interested in this, this lending business. And this is just when the subprime mortgage crisis started to started to bubble up in the states.   So I was like, Hey, there's, what's going on here. And I very quickly learned that it's a, it's a very transparent way to do business if you're doing it right. It's very, it's, it's, it's very straightforward in terms of you're putting a mortgage on a property. That's your security. So the consulting started being working, part-time working full-time fast, forward eight years. I am looking to become a partner with these people that we couldn't agree to terms on the partnership, unfortunately, or fortunately now, and through that eight years, I met my current partners here because they were very present in the industry.   I they're, they're very thoughtful word business, business owners, and we got to talking and sure enough, I started working for them. And fast forward, six years I'm partner, we're, we're scaling this company in a very meaningful way, helping many, many borrowers and shareholders lending on a short term, real estate, residential throughout Alberta and Ontario.   Jesse  (5m 16s): That's great. And it's, it's great to have you on, because we talk a lot about the traditional lending aspect of real estate, you know, your standard, what you think of as a mortgage or pretty, I guess, typical debt that you'd have on properties. And I think it would a lot of people, more people that get into our industry and more people that have been involved in an owner's field for a longer period of time, realize that there's another aspect of lending on the private side that we don't see very often. So at Calvert, can you talk a little bit about what exactly the team does there, is it focused on private?   Do you do, do you do it all? W what kind of stuff do you typically work? When,   Jesse B (5m 52s): So we are a mortgage investment corporation. We are a lender, that's all do we don't broker deals. We, we go out and we educate the market on here's the solutions that we're providing, and our solutions are very narrowly focused on people that buy, renovate, sell, or buy renovate, and refinance residential properties. Banks don't want that business. It's not profitable for them in the short term.   Not many of our industry members slash competitors want that business for very similar reasons. We've taken time to understand what real estate investors are missing in terms of service, product type, and have created products specifically to cater to them. So all we do is have that narrow focus, really try to kick ass for the borrowers by providing them the service and solutions that they need.   So a lot of times what they'll do is they'll buy a rundown house, renovate it, get it on the market. They'll buy a rundown under performing multiunit property, use our money, renovate it, get rents up, refinance it with a nice conventional loan and build a rental portfolio that way we're in it, just to provide those short-term solutions. And it has, it has been very popular for the market.   We're, we're, we're, we're solving a real problem.   Jesse  (7m 33s): So let's kick off the kind of overview of the burst strategy for those that don't know. Maybe you could just give a high level of what the burst strategy is and what you typically see from the investor side, when, you know, when they're typically engaging you or when they should be engaging you and maybe, you know, talk a little bit about the best practices when it comes to finding debt for these types of, of buying flips or by rent rehab, refinance, repeat, I think I may be not in the right order, but yeah, if you could chat a little bit about that, I think the listeners would get a lot of value.   Jesse B (8m 7s): Sure. So, so there's really, yeah. There's two strategies. We'll focus on Burr. So one is buy, renovate, sell. We do a kind of that. We just, we just define that as flipping and then the other is buy renovate, rent, refinance, repeat. So what they're doing there is, again, they're identifying, we're just, we're just residential. And we like, we, we typically do four doors or less, but we're getting into learning more about really successful practitioners who are into the higher unit stuff.   And we're happy to help them when it makes sense, but what they do is they go out to the market and they identify, again, usually it's properties that are, they haven't been touched in a long time. They've been poorly managed. And in turn, there is a good opportunity to add some, add some renovation touches to increase the value, but also increase the quality of tenant and the quality of rent. So they're using our money because typically these properties are in such disarray that the banks don't even want them.   But also because they're in Sasha's rate, even if the banks do them, they're usually able to increase the value, you know, 20, 30, sometimes 40%. And it makes sense to use are more expensive that for four or 5, 6, 7, 8, 9 months. And then when the project is complete, when they've increased the rents, when they've done their renovations, they can go to a bank lender, especially with the new cm. There's a, there's a CMAC product now and insure product that is specifically for this multifamily residential stuff, where it opens a lot more options on the refinance side.   So they're able to go and, and typically get 80% loan to value. So buying something for 600, you increase the value to, to, by putting in, let's say 150 grand to a mill. Now you're 600 plus one 50, you're exiting with 80%. So 800 grand putting money back into your jeans and being able to do the next project and the project after that. So that works really well for the real estate investor, who wants to build a portfolio and build doors.   It's a lot easier said than done because building a portfolio and building doors takes really great. The business acumen, the devil's in the details always. So the administrative processes is, is critical who you're using as property managers, all that stuff comes into play. But for those that are, that are, that are executing on this strategy, they really like what we're offering in terms of allowing them to get in, do what they need to do, and also get in with little friction.   So, because we know this so well, when we see part of my language of piece of shit house, we're like, oh, show us, show us the show us the, the budget. And then we have, we're unique that we have our own internal evaluators. We hire appraisers that work for us that do the, do the value as complete. And they do that in real time, usually same day. So we're able to provide a real effort, this experience on that ad and say, yeah, here's your end value.   Here's the profit you're making. And because you're making this profit, we want to support you. So we're very, we're lower docs, but because we really understand the business, we're not saying, oh, what's going on with, with this flooring? What about how is somebody ever going to live here? No, we did it. Thanks for the budget. We know what you're doing. We may ask some clarifying questions, but typically, because we're real estate investors ourselves, I've been doing this for literally 30 years and billions of dollars and thousands of mortgages. We've seen it all and we have the expertise to help the borrower.   Jesse  (12m 13s): Fair enough. So I just want to unpack a little bit about that. So for, for any listeners in the U S CMHC Canadian mortgage housing corporation, you're Fannie Mae, Freddie Mac would be your agency debt, very similar to what we use here. Now, I guess the 80% LTV on a lot of these, I guess it's like a lot of what we do now. It's really the, the, the loan to value. Oftentimes isn't the limiting factor these days, that's usually the debt service coverage, right? Yeah. So I'm curious the, well, number one, I, I question question about the product that you're mentioning, are you mentioning short-term debt and then you eventually do long-term with CMHC or is the short term product with agency debt?   Jesse B (12m 54s): No, so we're so, so the short-term product is Calvert's money. We're lending that the exit with, with, with, with a CMHC approved lender yes. Is the borrower goes and figures that out. And typically they figure it out through a really strong mortgage broker. Like that's, when we're doing the loan, that's already part of the plan we've reviewed, we've done our analysis on, and by the way, we have a Burr analyzer. That's about to be released to the market where we've done our analysis on the debt service coverage, where we're, we're clear on what the rent should be.   And in turn, the boar is really clear on provided. I execute, provided I do this. I'm going to hit what's needed for the exit. And that's really important for Burr, like a lot of, a lot of new or less sophisticated borrowers will say, yeah, I'm going to burn it. Okay. Explain us the exit. Hey, you know, it doesn't debt service, you know, your credit is really poor. You're not a great covenant. I don't think you're bankable. And, and they haven't thought of this.   So again, because of our experience, we're asking every question and making sure that they can exit. So sometimes what they think is a Burr will say, no, you should really plan on this being a flip and, and run your numbers is if it's a flip and maybe you get, maybe you prove us wrong and you can Brit, but make sure that this is a viable project with your most likely scenario.   Jesse  (14m 26s): Yeah, no, that makes sense. And for, I think most listeners would know, but just for the DSCR debt service coverage ratio, that would be your net operating income over your divided, by the, the amount you have to pay to service your debt. So if you have $120,000 NOI, a hundred thousand dollars, your annual mortgage payments, you got a 1.2 is the, typically the way lenders will look at that. So I guess one of the distinctions that we've people on the show before that our hard money lenders, you hear the terms hard money lender, private lender, kind of thrown, thrown around and in conjunction with each other.   Can you distinguish if at all, between hard money lenders and private lenders?   Jesse B (15m 8s): Yeah. So the way that we're, we're a mortgage investment corporation. So we operate a fund. And within that fund, we have certain rules that we have to adhere to through securities regulators, through the various real estate regulators, through tax, through our auditors, through our board of directors, we borrow money from banks, they put rules on us. So we're a very structured lender.   We like to refer to ourselves as an alternative mortgage lender. So by alternative, there would be in terms of, in terms of, I usually go by size, there would be, there would be your tier one banks. Then there would be your, your model lines of credit unions. And those are all lending money out at prime minus right now. And then you have your B lenders. The lenders are like your, your whole Mack, your home equity banks, your, your home trusts.   And they're basically sending on a prime plus. And then there's alternative lenders. That's where we would fit in where, where we're, we're still structured. Well-governed companies that have to adhere to that governance. And then there's true privates. There's true hard money lenders that are, that are lending their own money, that, that can make their own rules.   Jesse  (16m 33s): This is the uncle that does lending that it seems to work from home. You don't really know what he does   Jesse B (16m 38s): Exactly, exactly. Or like there's some, you know, some family offices that let's say the families that are worth 500 mill, they've taken a hundred mill. And they said, we're going to lend this money out on our own. And they do whatever they want. Yeah. So that would be, to me, that's the distinction of, of alternative versus private. So true, private, hard money. All we don't need docs, we'll just look at the property and lend on it. Usually that's more expensive. Usually that comes with big renewal fees and big fees.   We're, we're more of, of, of, of a, of a alternative lender just below B. So that's kind of the distinction and yes, a lot of your listeners in the states, they refer to it as hard money lenders. We, we have a lot of flexibility that a hard money lender does, but we're more consistent. The money's always there. We get here to what we say. We have, you know, we have a 40 person organization that is behind all of this Making decision from my couch.   Jesse  (17m 42s): Yeah. That makes sense. I think the connotation with heart is that, you know, you're meeting on a park bench and somebody is handing you a duffel bag of cash, which is not the case. I mean, typically, but definitely with, with your company, it sounds like it is more of a structured kind of investment. Now I want to talk about the state of the market, because I think it's pretty topical right now where interest rates are at inflation rates, some of the latest hikes, but before we get there, when somebody is coming to you to do flips or to do a burst strategy, what would you say to them to make sure that they are, they are following the right guidelines to make the process as seamless as possible.   And to be able to get to identify properties that are going to work with, with a team like yours.   Jesse B (18m 26s): So the, the primary, the primary piece of advice I give general is, is own the process. This is your, this is a business you're putting your money at risk. It's amazing how many, how few people understand the comparables have asked their realtor, you know, are you just cherry pick like, like really know their numbers really know their budget, really know who they're dealing with in terms of lawyers, realtors, mortgage, brokers, us as a lender, like this is an entrepreneurial endeavor.   And to be a successful entrepreneur, you need to put your, your, your mind, heart and soul into it. And you can't just watch HGTV, call a realtor, slap a deal together. And it works out now in fairness, the, the, the, the craziness that has been the Ontario and BC market, a lot of people, this has worked for them for years, being from Alberta, where we see prices, you know, peaks and valleys every six years, basically the professionals are in it for years and years and years, the speculators are out.   So at some point in time, and we'll get into, you know, kind of what, what, what we're predicting for the market. At some point in time, there will be prices will go down how meaningful they go down, we'll find out. But, but the overall piece of advice that I have is own the process. Understand your numbers, come prepared, understand who your, who you're partnering with, and you don't have to know it all right off the bat. Like you, you still have to take action, but as you're taking action, continue to learn.   Don't just say, oh, my realtor has gotten this, like, learn from your realtor, learn from your mortgage broker, learn from your lender, learn from your contractor. Because the more of that I'll call it institutional knowledge. You can build the more successful you'll be the most successful clients that we are fortunate enough to work with. Are those people that know everything. They may, they may never swung a hammer, but they know every single cost. They know their measurements inside and out. They probably don't have a law degree, but they can challenge their lawyer and me on certain closets.   Those are the people that are going to kick ass.   Jesse  (20m 51s): Awesome. So in terms of the, the actual distinction between, you mentioned it before a four unit and below five and five unit and above, which we typically classify, even though it's residential, multi, residential, or commercial, when somebody's looking to underwrite, or when somebody is coming to you to underwrite the deal, you mentioned the fact that you have flexibility. Does that mean that you guys are going to be more open on those smaller deals to look at the asset specific rather than just the individual? Because I know one of the challenges or one of the, put it put another way.   One of the benefits of doing apartment buildings, which is what my partners and I do, is that it really is less about us. And it's more about the asset. And if you can make the numbers work on the asset, you can get approvals and debt much easier. Whereas if it's single family houses or two, three units at a certain point, people seem to tap out in terms of the amount of debt they get. So how does that underwriting process look like for you? If it is more individual specific, more asset or a blend of the two,   Jesse B (21m 53s): When we're underwriting a flipper bird deal, the bulk of our underwriting is based off of profitability. If they're bringing us a profitable deal and they can, they can execute on that profitable deal. We're likely in, so we're not digging, we're not relying on the covenant. So if it's in a, if it's, if it's a good property in, in, in, in, in a location that we want to do business in which basically is any urban center or surrounding area, and they're making money and they show us that, like, let's say, let's just use a quick example.   Let's say, they're bringing us about a property that they're purchasing for 500 grand and their renovation is 50. And when it's done, it's worth six 50, and they're going to, they're going to be able to ex execute their renovations in a 60 day time period. So they're making money. We want him, we can do that deal, you know, Cheerio with as little as $20,000 down so we can lend them four 80 plus the feeds. It's always a 2% fee and, and 2% and four 80 is what is that $909,600.   So we can lend them 480,000 plus the 9,600. So essentially $490,000 on a $500,000 purchase. Let's say that let's say two to cover the renovation costs. Plus our payments is going to be around 75 grand for the, for the duration of the loan. They need to show us that they have 75 grand, 75 grand could be cash lines of credit credit cards, show us that you have the money. And based off that, we're in.   Hmm. You could, you could show, you can show almost, you can show a zero in a way you can, you can have,   Jesse  (23m 42s): We receive notice of assessment for those, for those wondering yeah.   Jesse B (23m 46s): Income, you can choose zero tax return.   Jesse  (23m 49s): Okay. Yeah,   Jesse B (23m 51s): You can have relative, like if you're totally delinquent on credit and you've never paid a bill, we're not, we don't want to do business with you, but if you have bruised credit, like what we define as Bruce credit is credit below 600, as long as there's rationale. And it's not like you're, you have $200,000 worth of outstanding credit consumer debt that that is maxed out. We probably want it. We're going to want to avoid that. But Bruce credit, we're fine to deal with. So we're underwriting the project. Each deal that we look at is an individual business opportunity.   And as long as you can prove to us that you have the cash to do it and it's profitable. And the means to do it. Like if you, if, when we look at your budget, we have some questions. Who's doing the work I am. Okay. What's your experience with it looks like you're doing cabinetry. What's your experience with cabinetry? I haven't been, well, you might want to think about hiring that out. So as long as you prove to us, and again, we have a lot of expertise in this that you can execute we're in.   Jesse  (24m 50s): Got it. So let's move a little bit to the macro picture right now. Interest rates have gone up over the last, last few months over this. I mean, since, since the beginning of the year in Canada, in the states, we're starting to see buyers actually start making decisions for a long time. They weren't really impacting their decisions, which is kind of amazing for, for quite some time. How are you looking at the market right now in terms of a risk standpoint?   And also, do you see this, you know, put you on the spot with the crystal ball, what do you see for the future as it pertains to the lending industry?   Jesse B (25m 30s): So we see interest rates, firstly, continuing to rise. We have, we have an inflation problem that we had it two years or a year and a half ago, but we were, a lot of people were insisting. It was transitory. All inflation is transitory. It just depends on when and what measures need to be taken. Is it, is it transitory within a year or do we have a ten-year issue? So anyhow, we think rate, we, I believe rates will continue to increase probably another 50 bips next month, at least what the market's pricing in.   And then 25 basis points thereafter for the foreseeable future that increase will impact affordability. A lot of people are already stretched with their debt, with their debt servicing that will in turn impact the market. Some people may bow to the market, which is not a bad thing because right now the, for the most part Canadian real estate is too hot. It's not sustainable. So will prices go down, maybe, especially in some markets where there already is affordability issues.   Like we're seeing a lot of, a lot of markets in Ontario where, where you have relatively low wage wages versus the price of the homes. So there's already an affordability issue there. We don't think they'll go down in a big way. And the big stop gap to that is Canadians, want single family, residential housing. And right now there just isn't sufficient supply to, to make up for that demand.   You have 400,000 immigrants coming into Canada for the next every year for the next five years. Canada does really good job at bringing in economic immigrants. So people that have capital and are ready to hit the ground running with employment, most immigrants value real estate, most immigrants want single family housing. So we're where I believe we have a supply issue that is always, is at least for the foreseeable issue is just going to really backstop a big slide in real estate values.   So what, what I anticipate at least as a bit of a reset, you know, we won't see massive appreciation. We might see slight downward pressure, but what I love in terms of how Calvert has been in business for so long, we've S we've essentially only been lending in, in Ontario for two years prior to that, it was only Alberta. And in Alberta, we've managed through those peaks and valleys. So up into 2021, we had a, a market going down 2, 3, 4, 5% a year, every year for five years.   So we're ready to we're, we're ready to manage through it and help our clients manage through it and with what our clients do in terms of flipping single family, residential housing stock. We believe that when the market turns, there'll be more opportunities for our buyer right now, it's hard for them to find really good value because you have a mom and pop buyer, which typically they don't want anything to do with a piece of shit house. Now they're saying, ah, you know, why don't we buy this? We could do our own renovations in a, in a, in a balanced market where you have three months supply, which I don't know when the last time many Ontario markets have seen that your buyer's not going to buy that stuff.   Yup. So we, we anticipate slowdown of, of, of real estate appreciation, maybe even, maybe even in some markets, a bit of a downturn, but we believe that that fundamental supply issue will backstop a big downturn.   Jesse  (29m 22s): Fair enough. And yeah, I think similar outlook on, on my end as well. I think we've, we've had a really good run for a long time in real estate. And you know, the idea of appreciation 15, 20, 20 5% annually is just, yeah, not a sustainable, not a sustainable business. So I think our reset for a lot of investors would be welcome with open arms and especially from an affordability point of view. But I think really the crux of it, I completely agree with you on the supply side.   And it kind of just frustrates me on the policy level that we try so many things and we don't look at the supply side that if you want affordable housing, you need supply. That's just the bottom line you have to, you can't, you can't restrict supply, but yeah, I mean, we'll see how things go. I, you know, from, from the investor, that's looking to, you know, potentially work with short-term debt. Is there anything that you would advise on that end when it comes to the idea of making sure that when you do exit that short-term debt say it's 12 months at 10 months at whatever it is that you're making sure that you're going to be able to get permanent permanent capital permanent debt for the project that you're working on?   Jesse B (30m 34s): Yeah, certainly no, certainly engage your bankers if you have bankers, but even if you have bankers engage in amaz engage a mortgage broker who has done this because they know all the bankers. So you'll want to make sure from the onset that, you know, yes, this is refinanceable, here's, who's likely to do it. Here's what the cost is likely to be. And we build that. And again, we talk about the Burr analyzer that we're going to be launching.   We're going, that's going to be a tool that you can use to take to your banks, preemptively like the right banks and the right brokers are clamoring for your business. So go out and find them, align yourself with them, give them the plan and in turn, create an extremely high likelihood that, that exits there. You cannot, we won't allow you to go into a project and not make sure it's there. You may, you know, especially the newer people may not be prepared to do that extra step and that extra homework, but it's, it's a requirement.   So align yourself with the right professionals, bankers, mortgage brokers. And as they're doing the work for you, learn from them, what does the B what is the bank looking for? Why is this particular issue with this property posing an issue? Is it zoning? Is it how many units is it location? You know, cause they're, every bank looks at these deals differently and, and sees they're the w the, the, the warts and the rainbows differently. So take time and understand what, what they're looking for, because then that'll influence the next project.   Could you go into,   Jesse  (32m 14s): Got it. All right. We will put links up where people can reach it. And I'll just ask you in a second, but before we do, we have four questions. We ask every guest before we, we get off. So kind of rapid fire here.   Jesse B (32m 27s): Sounds good.   Jesse  (32m 28s): Okay. What's something that, you know, now in your career, it could be a mortgages real estate and business that you wish you knew when you started in the business.   Jesse B (32m 38s): I, now that success is the combination of work ethic and time. And before I was just hoping it was purely work ethic, but man, does it take a lot of time to learn stack those wins, stack those relationships, bring the best people and knowledge around you to succeed. So time plus work ethic, not just work ethic.   Jesse  (33m 7s): Perfect. What's a resource or book that you find yourself recently recommending to a, to others.   Jesse B (33m 15s): So as we're scaling this, this business, a lot of, a lot of organizational management matters is where I'm focused on leadership, mentorship, coaching five dysfunctions of a team that I read a few months ago has been amazing. Lensioni is the author's last name. He's done a few really good organizational business books. So if you're, if you're a leader, it can relate to personal matters.   Relationships, team matters, relationships, mentorship stuff. So five dysfunctions of a team is what I've been recommending a lot lately. And it's mostly because of where I'm at professionally, the things I'm going through,   Jesse  (34m 0s): What would you tell a young individual that's trying to get into our business, and that can be on the mortgage side or just the real estate investing business in general,   Jesse B (34m 12s): Anything in the real estate industry is just putting yourself in positions to succeed. You're not going to hit the home run day one. You're probably going to be an admin, an analyst, a cold caller, whatever it takes, but make sure you're surrounding yourself. Make sure you're entering an organization or surrounding yourself with somebody that you believe in trust. And, and you've researched. Don't just jump into bed with antibody, be selective, but also be willing to, as they say you Chet, like if, if you're going to work for the best, they probably don't have a, the, the, the, a super high paying big responsibility job for you.   You got to prove that you deserve those opportunities.   Jesse  (35m 1s): Hey, at 33, I'm still eating shit today. And a new title should be a, vice-president cool to call her. Cause at the end of the day, it's, we're still doing outreach. We're still connecting whether you want to buy, find off market deals. That call is typically not lined up, lined up for you. So that's great advice. Last question. First car, make and model   Jesse B (35m 21s): First car making model. I had a, again, thunder bay, you know, kinda rednecky town. I had a shed silver auto halftime keen 88, 2 wheel drive tires to this thing was a death trap. And we would lay, we w w we were in the middle of nowhere. So the nearest, the nearest big city to us with Minneapolis St. Paul, I remember bombing down in, in snow storms when I was 17 years old with my buddies with just enough money to get down and scalp a ticket to the Minnesota Vikings game.   And like, they're telling me to go faster and I'm like, guys, if I go faster, we're going to fly up the road with this Pete. Like this thing was a death trap and 500, or I guess it would be 600 kilometers there. 600 kilometers back somehow we made it   Jesse  (36m 8s): Awesome. Yeah. That is just a large piece of steel. What would you w we have a lot of colleagues that are in thunder bay. What would be the, the American equivalent of thunder bay?   Jesse B (36m 20s): Yeah. American equivalent of thunder bay. It's like, I don't know what, what, what town of plenary is a population of 120,000? The nearest cities to that is to St. Marie to the east, which is 800 kilometers. So, so for Americans, that's 600 miles. Then the apples St. Paul to the south, which is 400 miles Winnipeg to the west, which is 600 miles.   Like in terms of geography, there's nothing similar.   Jesse  (36m 54s): Yeah. I mean, culturally, I feel like a, I don't know if there'd be something in, in, in Michigan or if it would be, I don't know. It's like, it's kind of a mix of different, different cultures in thunder bay, but it's definitely,   Jesse B (37m 7s): Yeah. We spent a lot of time. So down. So south at thunder bay, there's a Duluth aloof Minnesota. Now Duluth is kind of a, for the American listeners. Duluth is a more refined prettier version of thunder bay. So imagine more blue color, less picturesque version. That's the underbanked.   Jesse  (37m 31s): Yeah. You know, miss soda. That makes sense. If Fargo was filmed in Canada, which maybe, maybe it was thunder bay would probably be a good, a good spot.   Jesse B (37m 39s): Yeah. Yeah. Fargo is a really good equivalent.   Jesse  (37m 42s): All right. Well, for people to reach out or connect with you, Jesse what's, where can we send them? We'll put the, we'll put everything we talked about in the show notes in any of the links, but yeah. Just let the listeners know and we'll put that up there.   Jesse B (37m 54s): Yeah. So we have a great website with, with all the tools that, that a real estate investor would need in terms of, for flip and Britain Burr financing@chmic.ca. So Calvert, Google cower, home mortgage take you to our website. My contact information is there. I'm happy to, to discuss anything. I have an amazing team of underwriters and business development, people that can, that can point you in whatever direction needed. We also have a really great Instagram account ICU due to Jessie.   I follow you personally, but our Instagram account is just to provide knowledge to real estate investors. So we're doing tips for flips economic reports. We're, we're releasing tools. We've just written. We've just wrote a white paper on the, on the benefits to the, the macro economy on real estate investing. So please follow us on Instagram at Calvert home mortgage.   Jesse  (38m 51s): My guest today has been Jesse Jesse. Thanks for being part of working capital.   Jesse B (38m 57s): Thank you.   Jesse  (39m 5s): Thank you so much for listening to working capital the real estate podcast. I'm your host, Jesse, for galley. If you liked the episode, head on to iTunes and leave us a five star review and share on social media, it really helps us out. If you have any questions, feel free to reach out to me on Instagram, Jesse for galley, F R a G a L E, have a good one take care.  

Psych Mic
Breaking down disciplinary silos | Clinical research with Dr. Amy Elliott

Psych Mic

Play Episode Listen Later Apr 28, 2022 69:01


Amy Elliott, PhD, Chief Clinical Research Officer at Avera Research Institute, leads a research team focused on improving child health and development through community-based research. Dr. Elliott is the principal investigator on several National Institutes of Health (NIH) research projects including the Environmental Influences on Child Health Outcomes (ECHO) Study, an initiative to reduce infant mortality in American Indian communities. Dr. Elliott also holds professor and research positions at The University of South Dakota Sanford School of Medicine. Education:PhD from Western Michigan University, Kalamazoo, Michigan, Clinical PsychologyMA from North Dakota State University, Fargo, North Dakota, Clinical PsychologyBA from Moorhead State University, Moorhead, Minnesota, PsychologyTopics we cover:If there was one thing you wish everybody knew about child development, what would it be?Why did you go into clinical psychology instead of medicine?Why did you get a master's before your PhD?If you loved research, why did you want to get licensed as a clinician?How did you choose your PhD program?What was your grad school research on?Having a baby in grad school - unique benefits & challengesWhy did you want to work with children?What did your training look like in graduate school?What was the most valuable part of your PhD?Advice for students interested in Amy's line of workWhat does a pre-doctoral internship in behavioral pediatrics and genetics look like?Working on interdisciplinary teamsWhen and why did you transition away from clinical work and into full-time research?“What got you here won't get you there”Amy's role at Avera Research Institute: Research & findings, leading a team, day in the lifeWhat is one skill, quality, or general factor that has served you no matter where you went in life?Visit psychmic.com to sign up for the newsletter, where you'll get career tips, grad school resources, and job opportunities straight to your inbox! Follow @psych_mic on Instagram to submit questions for speakers and stay in the loop.Music by: Adam Fine