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This week we're discussing the current mortgage market and how first-time buyers are faring within it. Paul & Megan are joined by Martyn Johnson and Paul Demarco - two of ESPC's independent mortgage advisors. In this episode they cover the following topics:0:00-1:36 Intro1:36-2:55 Are first-time buyers in a better position now vs last year?2:55-3:48 What do lower interest rates mean for first-time buyers?3:48-4:52 Are there more first-time buyers looking for mortgages right now?4:52-6:16 Are first-time buyers facing a competitive market?6:16-7:30 Good news first-time buyer stories7:30-8:14 Mortgage lender competition8:14-8:48 Where will mortgage rates be at the end of 2026?8:48-10:08 What kind of rates are first-time buyers looking at right now?10:08-11:23 Remortgaging in 202611:23-14:36 The first steps first-time buyers should take14:36-15:26 How much savings do you need to speak to a mortgage advisor?15:26-16:09 Gifted deposit and "Bank of Mum & Dad"16:09-18:20 Guarantor & Joint Borrower Sole Proprietor Mortgages18:20-20:12 How to deal with adverse credit20:12-22:52 What are the most common mistakes first-time buyers make?22:52-25:24 Save more or get on the ladder faster?The information contained in this podcast is provided in good faith.Whilst every care has been taken in the preparation of the information, no responsibility is accepted for any errors which, despite our precautions, it may contain.The initial consultation with an adviser is free and without obligation. Thereafter, ESPC Mortgages charges for mortgage advice are usually £395 (£345 for first-time buyers).YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON AMORTGAGE OR OTHER LOANS SECURED AGAINST IT.ESPC (UK) Ltd is an Appointed Representative of Lyncombe Consultants Ltd which is authorisedand regulated by the Financial Conduct Authority.
Have you ever been offered financial help that sounds generous… but you're worried if it comes with strings attached. This week’s Friday Drinks dives into one of those emotionally loaded money decisions: whether to let your parents go guarantor so you can get into the property market sooner, when you’re already worried about boundaries and control. We unpack what a guarantor loan really means (and what it doesn’t), why the 20% deposit rule isn’t as rigid as people think, and how to weigh financial opportunity against mental health. Then we answer a dilemma from a community member that needs surgery that needs to be privately funded, so we put all her options on the table from taking the money out of super to upping her private health and even whether it's something you can get a loan for.... with the pros and cons to consider for each of course. Add in money wins, broke tips, and a very honest chat about how we actually manage work life balance, and this ep is the perfect mis clarity, validation, and plenty of Friday chaos. Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here.NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.
Dave Frodsham of Jubilee Church Wirral looks at Hebrews 7, and the profound role of Jesus as our eternal priest, guarantor, and advocate. Hebrews 7 is a chapter packed with theological detail, containing hope and security to every believer. If you've ever struggled with guilt, felt like you need to “earn” God's love through religious performance, or wondered if your faith is secure, this message is for you. Dave encourages us to stop looking for security in our own efforts and instead fully trust in the superior mediation of Jesus Christ. “He is able to save to the uttermost… since he always lives to make intercession for [us].” — Hebrews 7:25The post Dave Frodsham: Jesus – eternal priest, guarantor and advocate first appeared on Jubilee Church Wirral.
In this episode, Nathan tackles a contested topic of discussion in the property world, buying property with friends. Nathan outlines some of the (little) pros and (many) cons of purchasing with another party and what it can mean for your future. Nathan details some common scenarios and highlights what can go wrong, very quickly. An important episode you'll want on your ilst for the week! 00:00 - Introduction 00:22 - A friend, sibling, partner 'others' 02:00 - "Big, big, big problem…" 02:52 - The risks far outweigh the benefits 03:43 - The sibling scenario 05:02 - The parent & child scenario 05:58 - The spouse scenario 08:00 - New elements create new blurred lines in friendships 08:32 - Birchy's '5 Year' lens - thinking ahead, not right now 09:50 - If you had to, you need a professional legal agreement 10:40 - Guarantor - another level of complexity 11:32 - Exit strategies are key to mitigate risks 12:32 - WWBD in 2025 (What would Birchy do?) Make your move on your property journey today: https://binvested.com.au/make-your-move-now/ What are your thoughts on this video? Share them below and show us some love if you found this video useful.
Today we look at Hebrews chapter 7 and the mysterious figure of Melchizedek. We see how he points to Jesus, how we are are weak and in debt, and how God has always wanted to give us the best through Jesus.
Husband. Father. Son. Pastor. Co-worker. Friend. We all bear many titles, all of which describe us; none of which fully defines us. But of all the labels we wear, none is more important than “Child of God”. How do we become a child of God? What is our identity before we become a child of God? What are the implications of being a child of God? Paul answers all these questions and more for us in Galatians 3:23-4:7. Check out Sunday's sermon as we worship God our Father (4:6), Jesus our Redeemer (4:5), and the Holy Spirit our Guarantor (4:6), and we celebrate our new identity as “sons” and daughters of God (4:7)! Website: https://westhillsstl.org Facebook: / westhillschurch Instagram: / west.hills.church Spotify: https://open.spotify.com/show/6rcm417... #WestHillsChurch #STLchurch #thegospel #Galatians #Jesusplusnothing #Jesus #westhillsstl
The Holy Spirit as Guarantor
In this episode, Dayna Johnson discusses the various note-taking functionalities within Dentrix, emphasizing the importance of efficient note management for dental practices. She explores different modules such as the appointment book, family file, patient ledger, and patient chart, detailing how to effectively utilize each note type to enhance communication and patient care. The episode serves as a mini training session, providing practical tips and a downloadable tip sheet for listeners. Takeaways ➡Understanding where to make notes is crucial for efficiency. ➡Different types of notes serve different purposes in Dentrix. ➡The appointment book has specific note features for daily reminders. ➡Family file notes can enhance patient relationships and loyalty. ➡Guarantor notes are important for family account management. ➡Clinical notes must document what happened during the visit. ➡Procedure notes help clarify treatment plans for patients. ➡The office journal is a centralized place for patient communication. ➡Pop-ups can alert staff to important patient information. ➡Daily billing statements are essential for financial tracking. Chapters 00:00 Introduction to Note-Taking in Dentrix 02:53 Exploring the Appointment Book Notes 06:12 Understanding Family File Notes 08:59 Navigating Patient Ledger Notes 11:48 Diving into Patient Chart Notes 18:04 General Notes and Alerts in Dentrix 23:50 Conclusion and Resources Please rate, review and share this episode with your colleagues. Book a call with Dayna: https://calendly.com/dayna-johnson/discovery-call
Senor de Pegoto is a wealthy, kindly Jew. When Chassan the Arab visits him and requests a large loan, Senor de Pegoto agrees as long as a guarantor is included. When Chassan says that Hashem will be his guarantor, Senor de Pegoto agrees and is very surprised when the Guarantor returns the loan the very next day.
Hosts: Forest Antemesaris and Hiram Kemp | Released Monday, March 3, 2025 Just because something is “different” doesn’t necessarily mean it is better. But, when it comes to the Levitical priesthood, the Old Covenant, and the Law of Moses, the “different” ushered in by Jesus is definitely better! The book of Hebrews discusses this difference (and how […]
Hosts: Forest Antemesaris and Hiram Kemp | Released Monday, March 3, 2025 Just because something is “different” doesn’t necessarily mean it is better. But, when it comes to the Levitical priesthood, the Old Covenant, and the Law of Moses, the “different” ushered in by Jesus is definitely better! The book of Hebrews discusses this difference (and how […]
In this episode of Nicosia Uncut, Andromachi Sophocleous and Kemal Baykalli host Fiona Mullen, Director of Sapienta Economics. A 5 party conference on Cyprus is scheduled to take place on 17/18 March 2025 at the UN in Geneva. Apart from the two Cypriot sides, the Guarantor powers, Turkey, Greece and the UK will be represented. […] The post Nicosia Uncut – Episode 58: Cyprus problem in Geneva again: What should we expect? (22/2/2025) first appeared on Island Talks.
Day 1,086.Today, we discuss what many are calling a “turning point” in the war and in Western foreign policy, as the Trump administration declares definitively the US will no longer be a primary guarantor of Europe's security, and seeks a deal with Russia over the heads of Kyiv and its allies. We hear the reaction from Brussels and Ukraine, and consider the options for those Western nations that remain committed to Ukrainian independence.Contributors:Francis Dearnley (Executive Editor for Audio). @FrancisDearnley on X.Dominic Nicholls (Associate Editor of Defence). @DomNicholls on X.Joe Barnes (Brussels Correspondent). @Barnes_Joe on X.With thanks to Svitlana Morenets (Staff Writer at the Spectator). @SvMorenets on X.Content Referenced:Subscribe to The Telegraph: telegraph.co.uk/ukrainethelatestEmail: ukrainepod@telegraph.co.uk Hosted on Acast. See acast.com/privacy for more information.
The Guarantor's Commitment
The Guarantor's Commitment
Jesus is a new priest of a new and better covenant; better because Jesus remains our Priest forever and He never sins.
We share what a guarantor on a loan means if you're a #firsttimehomebuyer aspiring to buy your first property. Emma from Skipton Building Society sits down with Phil to explains how income booster mortgages work and the role and considerations for any guarantor. Tune in for: Application process Onward affordability Guarantor criteria First-Home Focus is brought to you on association with Skipton Building Society https://www.skipton.co.uk Why not subscribe to receive Move iQ's monthly newsletters, and get his top tips and market updates direct to your inbox. Where else you can find advice from Move iQ You can connect with us on Facebook, Instagram, TikTok Twitter or LinkedIn. We upload videos weekly over on our YouTube channel be sure to subscribe and let us know what you think. If you have any questions for Phil or any special requests for topics to cover on the podcast, then please email us at hello@moveiQ.co.uk.
Guarantor to save strangling
Guarantor of a wedding contract
DEAR PAO: Guarantor's rights and obligations | Dec. 17, 2024Visit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes Hosted on Acast. See acast.com/privacy for more information.
More on people who have the same name -- and a need for a scribe to write an IOU -- with a third approach to making the deal work, including, if both parties are present at the scribe. Also, a new mishnah! When one of many (or even 2) IOUs has been paid back - and the holder of them doesn't know which of them is paid back -- the mishnah says to act stringently, to ensure nobody would be paying back twice. Also, another new mishnah! On the role of a guarantor - and how one might cheat via the guarantor, or cheat him. But what if the original signatory has the funds to pay? Plus, the supporting story of Benjamin and the cup in leaving the halls of Egypt (for a different kind of guarantor), including a biblical prooftext.
Source Sheet
Following Guterres’ dinner with the Cypriot leaders in New York, an agreement has been reached to continue informal meetings with the participation of the Guarantor powers. The participation of the UK might not be at the same level as the other two, as the official position of the Turkish/Turkish Cypriot side has been for the […] The post Nicosia Uncut – Episode 56: Multiparty meeting: each side sees it differently (18/11/2024) first appeared on Island Talks.
Shiur given by Rabbi Bezalel Rudinsky on Halacha Choshen Mishpat. Shiur recorded in Yeshivas Ohr Reuven, Monsey, NY.
One way to get into the property market is to use a guarantor - usually a parent who owns their own home. But it's certainly not for everyone, and it's not without risk. Canna Campbell - a financial planner for almost 20 years - and Fear & Greed's Michael Thompson are joined by mortgage broker Adam McCabe from Blue Lantern Financial Services for a guide to guarantors. The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product. Canna Campbell is a Corporate Authorised Representative and Corporate Credit Representative of Wealthstream Financial Group Pty Ltd ABN 35 152 803 113 Australian Financial Services Licensee AFSL 412079.See omnystudio.com/listener for privacy information.
Paul Lewis is the National Director of Agency Financing for IPA Capital Markets. Prior to joining IPA, Paul spent over 23 years at Fannie Mae heading several production and credit teams that support its multifamily lenders.Our conversation covered many topics, such as:- Overview of Fannie Mae and Freddie Mac- The asset types they'll finance- How the securitization process works- Agency underwriting- Factors that influence pricing- How the agencies treat ground leases, PACE, and preferred equity- Lease-up deals- Supplemental loans- Guarantor requirements- Operating covenants- Rate buydowns- Loan documentation- What the agencies are especially focused on todayIf you have any questions, please send me an email at brandon.roth@ipausa.com.
Sam Gordon welcomes into the studio this week, fan favourite Jason Titus along with his co-host Jimmy Ibrahim to discuss whether you should use a guarantor loan. Jason explains his own experience with using a guarantor loan, the pros and cons, along with how this can be approached and spoken about with someone that may be able to provide this for you. Tune in to understand what a guarantor loan is, become more educated and informed to start the conversation if this is something that could be a leg up for you. Strictly limited tickets are available to the Australian Property Scout Summit on Sunday, November 17th at The Star in Sydney. You will leave with actionable steps, expert inspiration and direction to level up your property investing game, along with the opportunity to be surrounded by the APS and SAP community to expand and develop your circle of influence. Tickets are officially available and are selling fast, click here to save your spot!
SBS Sinhala discussion on "Guarantor loan", One of the unique ways to enter the housing market in Australia - ඕස්ට්රේලියාවේ නිවාස වෙලඳපොලට ඇතුල් වීමට තිබෙන ක්රම අතුරින් එක් සුවිශේෂී ක්රමයක් වන Guarantor loan නොහොත් "ඇපකරු ණය" ලබාගැනීම සම්බන්ධයෙන් SBS සිංහල සේවය සිදුකල සාකච්චාවට සවන්දෙන්න
SummarySheldon Owen discusses his background and the new venture he has started in response to the COVID-19 pandemic. He shares his journey from being a latchkey kid with a desire for a better life to becoming a successful entrepreneur. Sheldon emphasizes the importance of having strong mentors and a supportive network of friends. He also talks about his decision to go back to school during COVID-19 and the fear and uncertainty that comes with starting a new business. Sheldon introduces his new venture, a guarantor service that helps renters who don't have the credit to qualify for a lease. SimpliMatch.com is a company that provides home surety policies, acting as a guarantor for renters who may not meet the strict requirements of landlords. They offer a guarantee to pay up to three months of rent if the renter defaults. The cost of the policy is equal to one month's rent. Simply Match aims to help renters secure the homes they want and provide peace of mind to landlords.Support the Show.
(1)The Promise's Origin; (2) The Promise's Recipients; (3) The Promise's Guarantor.
-1-The Promise's Origin- -2- The Promise's Recipients- -3- The Promise's Guarantor.
How to buy property without a deposit using other people's money! This current property market can make it frustrating to save a big enough deposit, especially if you're paying rent whilst trying to save. This episode explains a way to get around having to save a deposit, and how to get a property sooner! Discussion Points: 00:00: Introduction 01:44: Breaking down how a guarantor loan works 03:33: Making use of equity as a guarantor 04:35: Paying it all back: releasing the guarantor 06:25: Why leveraging other's money makes sense 08:09: Conclusion About The Host: Subscribe to Aus Property Mastery with PK for no BS, “straight to the point” property investing strategies and data-driven insights about the Australian housing market - the only property podcast not biased by a “Buyers Agent”. You can listen to Aus Property Mastery on Apple Podcasts, Spotify & YouTube Music. PK Gupta is the founder of the Property Investment Accelerator — Australia's #1 Rated And ONLY 100% Independent Real Estate Course & Mentorship Program that helps people achieve passive income through property investing using DATA, WITHOUT wasting months doing "research", spending weekends at inspections OR dropping $10-20k on Buyers Agents each time. Resources: Watch FREE Trainings On Our Website https://consultingbypk.com.au/ Get Suburb Tips & FREE STRATEGIES In Our Private Facebook Community With Over 50,000 Clients & Investors https://www.facebook.com/groups/passiveincomethroughproperty Watch No Nonsense Property Market Insights On Our YouTube Channel https://www.youtube.com/c/AustralianPropertyMasterywithPKGupta Disclaimer: No Legal, Financial & Taxation Advice The Listener, Reader or Viewer acknowledges and agrees that: Any information provided by us is provided as general information and for general information purposes only; We have not taken the Listener, Reader or Viewers personal and financial circumstances into account when providing information; We must not and have not provided legal, financial or taxation advice to the Listener, Reader or Viewer; The information provided must be verified by the Listener, Reader or Viewer prior to the Listener, Reader or Viewer acting or relying on the information by an independent professional advisor including a legal, financial, taxation advisor and the Listener, Reader or Viewers accountant; The information may not be suitable or applicable to the Listener, Reader or Viewer's individual circumstances; We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and we are not authorised to provide financial services to the Listener, Reader or Viewer, and we have not provided financial services to the Listener, Reader or Viewer. See omnystudio.com/listener for privacy information.
Jesus is the guarantor of a better covenant, who is able to save to the uttermost those who draw near to God through him, since he always lives to make intercession for them. Why is Jesus a better priest than any other? I. Because of God's oath, vv20-21. II. Because he's the guarantor of a better covenant, v22. III. Because he always lives to intercede for us,, vv23-25.
Удостоверение воскресения ХристаДеяния 17:31I. Природа удостоверения / Nature of the Proof A. Божье удостоверение / God's Proof B. Всеобщее удостоверение / Universal Proof C. Неоспоримое удостоверение / Indisputable Proof 1. Смерть Христа – историческая реальность / The Death of Christ is a Historical Reality 2. Воскресение Христа – историческая реальность / The Resurrection of Christ is a Historical RealityII. Тип удостоверения / Type of Proof A. Всеобщий суд / Universal Judgment B. Божественный суд / Divine Judgment C. Справедливый суд / Righteous JudgmentIII. Гарант удостоверения / Proof's Guarantor
Christ, the king and priest of righteousness and peace brings us into unique hope. Readings from this service:Hebrews 7: 11-28Psalm 110: 4-7Matthew 26: 26-29Thanks for listening! CONNECT with CCFC:Visit us on FacebookVisit our websiteDownload our app!
Pastor Darrell discusses Ephesians 1:13-14 this morning.
The Geneva watch auctions wrapped up last week. We had some great results, an interesting last minute change at Christie's, but most importantly a ton of excitement for the things we love. Marlon Brando's GMT, a platinum, Beyer signed Patek Philippe 3700, a 1518 with integrated bracelet, and an incredible 6062 from Rolex in steel were all on the auction block.Phillips results can be found here.The Phillips New York Watch Auction Nine catalogue can be found here.Christie's results can be found here.GPHG winners for 2023 can be found here. You can find us on our Website, YouTube, Instagram, Twitter, and Facebook Check out Life on the Wrist Merch!
Rev. Douglas J. Early: Sermons from Queen Anne Presbyterian Church
Recorded on Sunday, August 13, 2023.Support the show
Hebrews 7:22
Message by Daniel Broyles.
About the guest: Ethan Gao is the Chairman of the Gao Family Office, an attorney, a life insurance agent, a key principal, and a bridge equity provider. With his mindset on money, he shares how he started his family office, and how he get into real estate investing. The podcast he listens to: * BiggerPockets - https://www.biggerpockets.com/podcasts/real-estate Relevant Links: https://www.linkedin.com/in/elgao/ To get in touch with Ethan Gao, email him at: ethan@gaofamilyoffice.com ethangao@gmail.com About Ray Hightower: Ray Hightower is a tech company founder and commercial real estate investor based in Phoenix, Arizona, USA. He serves as CEO of Bridgetown Partners, the creator of ROIClear. https://ROIClear.com https://BridgetownPartners.com https://RayHightower.com #ROIClear #Entrepreneurship #Business #RealEstate Note: ROI Clear is written without spaces: ROIClear.
In this episode we discuss Allah's name Al Mumin, as The Ultimate Testifier of Truth, The One Who Inspires and Confirms faith in others, and The One Who Grants peace and security to the believers. The following dua is included towards the end of the episode: Ibn Abi Hatim recorded that Abu Sa`id, may Allah be pleased with him, said: "On the day of Al-Khandaq, we said: `O Messenger of Allahﷺ, is there anything we should say, for our hearts have reached our throats' (meaning in fear and anxiety) Heﷺsaid: «نَعَمْ، قُولُوا: *اللَّهُمَّ اسْتُرْ عَوْرَاتِنَا وَآمِنْ رَوْعَاتِنَا*» (Yes, say: *O Allah, cover our weak points and calm our fears*) Then Allah struck the faces of the enemy with the wind, and defeated them with the wind. This was also recorded by Imam Ahmad bin Hanbal from Abu `Amir Al-`Aqadi. - From the Tafsir of Surah Al Ahzab in Tafsir Ibn Katheer