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  • 1,104PODCASTS
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  • Aug 17, 2022LATEST
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Best podcasts about hoa

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Latest podcast episodes about hoa

KSN Podcast
Community Association Assessments

KSN Podcast

Play Episode Listen Later Aug 17, 2022 24:09


KSN Attorney Michael Kreibich reviews condominium, homeowner (HOA), and townhome assessments in this episode of the KSN Podcast. He discusses board member responsibilities, special assessments, reserves, collection policies, and more. The KSN Podcast examines various aspects of association law, landlord/tenant issues, property tax appeals, and more. In each episode, KSN attorneys share their experience and knowledge as they discuss legal updates, best practices, industry trends, and more. KSN Podcast episodes are available at www.ksnlaw.com/podcast. Since 1983, KSN has been a legal resource for condominium, homeowner, and townhome associations. Additionally, we represent clients in real estate transactions, collections, landlord/tenant issues, and property tax appeals. We have multiple office locations, serving hundreds of clients and thousands of communities throughout Illinois, Indiana, and Wisconsin. For more info about our law firm and legal services, please visit www.ksnlaw.com Please note the material contained on the KSN Podcast is for informational purposes only and does not constitute legal advice. No attorney-client relationship is established by your review or receipt of the information contained on the KSN Podcast. You should not act on the information discussed on the KSN Podcast without first obtaining legal advice from an attorney duly licensed to practice law in your State. While KSN has made every effort to include up-to-date information on The KSN podcast, the law can change quickly. Accordingly, please understand that information discussed on the podcast may not yet reflect the most recent legal developments. Material is not guaranteed to be correct, complete, or up to date. KSN reserves the right to revise or update the information and statements of law discussed on the podcast at any time, without notice, and disclaims any liability for your use of information or statements of law discussed on the podcast, or the performance of the podcast generally. The KSN Podcast may be considered advertising in some jurisdictions under applicable law/s and/or ethical rules/regulations.

SBS Vietnamese - SBS Việt ngữ
Khủng hoảng về bác sĩ đa khoa trong lúc chính phủ liên bang loan báo kế hoạch về chăm sóc y tế

SBS Vietnamese - SBS Việt ngữ

Play Episode Listen Later Aug 12, 2022 4:46


Đại học Hoàng gia Đào Tạo Bác sĩ Đa Khoa Úc cho biết, việc chăm sóc ban đầu nay đạt đến mức khủng hoảng. Việc nầy diễn ra khi Lực lượng Đặc Nhiệm Tăng cường Y tế của chính phủ liên bang nhắm đến các khó khăn then chốt như tiếp cận dịch vụ và khả năng chi trả.

SBS Vietnamese - SBS Việt ngữ
Người phụ nữ giúp kết nối đồng hương tại Úc

SBS Vietnamese - SBS Việt ngữ

Play Episode Listen Later Aug 5, 2022 5:47


Những người nhập cư mới đến Úc có thể cảm thấy đơn độc trong việc kết bạn, cũng như trong công việc. Thế nhưng một di dân gốc Hoa đã tìm cách.

Dawn Moore's Tip of the Week
Reminder on HOA Transfer fees for single family residences.

Dawn Moore's Tip of the Week

Play Episode Listen Later Aug 4, 2022 4:02


Today, Dawn addresses the negotiation and payment of the HOA charges associated with a transfer of the Property. 

Cocktails, Code, and Conversations
Conversation about HOA's and the home buying process

Cocktails, Code, and Conversations

Play Episode Listen Later Aug 3, 2022 1:02


This week C3 hosts David Lee and Maine Terry sit down with Real Estate Agent Lynette Jones and talk about the racial undertones of the homebuying process, the history of housing covenants and HOA's, and financial literacy. It's a jam-packed episode with a ton of gems. The cocktail of the week is the Manattan, brought to you by Minajza.    Episode Links: The Color of Law - https://amzn.to/3BERqQU Lynette Thompson - https://www.youtube.com/channel/UCLyUTqDRBTAHFF4HDQi3V_Q    

The Home Pros Radio Show |The Home Improvement and Repair Podcast

In this News Desk segment from the July 27, 2022 live show, a Florida man has accumulated excessive HOA fines for tall grass, and a couple in Texas is being sued by their HOA for feeding the ducks!  Visit Closing Contractor here! To reach out to RIC Home Inspections, visit them online here!   Catch the Home Pros Radio Show online here! 

Dave & Chuck the Freak Podcast
Tuesday, August 2nd 2022 Dave & Chuck the Freak Podcast

Dave & Chuck the Freak Podcast

Play Episode Listen Later Aug 2, 2022 201:23


Dave and Chuck the Freak talk about things people would rather rent then actually own, famous celebrities people hate for no good reason, The ending of Saturday Night Live could be near, undercover police accused of taking Rub and Tug investigations too far, a woman threatening to send her lesbian ex's nudes to her grandma over a $45 debt, a nude guy that hit someone with a glass urn, a dude that tried to flee the cops on a paddleboard, one of the pettiest HOA complaints ever, a guy that botched a DIY nose job, how it went when you tried at home surgery, an old man arrested after stabbing a guy after he wouldn't let him perform a sex act, a guy involved in a hotdog standoff threw a wiener at a cop, an airplane mystery where two pilots took off but only one returned, and more!

Greg & The Morning Buzz
ASK THE BUZZ - EAST COAST LUMBER. 8/1

Greg & The Morning Buzz

Play Episode Listen Later Aug 1, 2022 12:42


How would you deal with this HOA?

VOV - Việt Nam và Thế giới
Tin trong nước: Cần Thơ: Khởi động Cuộc thi Hoa khôi Nam bộ 2022 “Hành trình Đất Phương Nam"

VOV - Việt Nam và Thế giới

Play Episode Listen Later Jul 31, 2022 1:51


- Cuộc thi Hoa khôi Nam Bộ lần đầu tiên được tổ chức vào năm 2017 với tiêu chí “Tìm kiếm những viên ngọc thô vùng đất Nam Bộ” đã gặt hái được nhiều kết quả tốt. Tiếp nối thành công, chiều nay 31/7 gtaij Cần Thơ đã diễn ra ngày thi sơ tuyển đầu tiên cuộc thi Hoa khôi Nam Bộ lần thứ 2. Chủ đề : Cần Thơ, Khởi động Cuộc thi, Hoa khôi Nam bộ 2022, Hành trình Đất Phương Nam --- Support this podcast: https://anchor.fm/vov1tintuc/support

Tám Sài Gòn
Lâm Chí Dĩnh: 1 thần tượng giải trí toàn diện của Đài Loan

Tám Sài Gòn

Play Episode Listen Later Jul 30, 2022 26:15


Vừa qua, ngôi sao Hoa ngữ Lâm Chí Dĩnh và con trai gặp tai nạn giao thông nghiêm trọng tại thành phố Đào Viên, Đài Loan, gây vỡ xương và chấn thương sọ não nhẹ. Vụ tai nạn của anh khiến các fan lo lắng. Dù đã phẫu thuật nhưng các bác sĩ cho biết phải cần đến 6 tháng anh mới hồi phục. Vì sao Lâm Chí Dĩnh lại được yêu mến đến như vậy? Cùng nghe phần chia sẻ của biên kịch Nguyễn Mỹ Trang và phóng viên Dương Thanh Vân, những người khá là am tường về nền giải trí này. --- Support this podcast: https://anchor.fm/kim-thanh-duong/support

Passive Income, Active Wealth - Hard Money for Real Estate Investing
232 Current Mortgage Market Opportunities! | REI Show - Hard Money for Real Estate Investors

Passive Income, Active Wealth - Hard Money for Real Estate Investing

Play Episode Listen Later Jul 29, 2022 34:15


Bill Fairman 00:00:02 Welcome everyone. I'm supposed to do a short tease. So already off to that start, we'll be ranked back after this.   Bill Fairman 00:00:32 Wow. And they told me there were no new graphics. Thank you. That was pretty interesting. Wasn't it? That was good. Yeah. All right. Well, thank you so much for joining us on the real estate investor show. What is it? Hard money for real estate investors. It's right there. Yeah. We are Carolina capital management, private lenders for real estate professionals in the Southeast. If you are a real estate investor and you would like us to take a look at one of your deals, go to Carolina, hard money.com. Click on applying. Now, if you're an accredited investor, looking for passive returns, click on the accredited investor tab, don't forget to like share subscribe, hit the bell. And definitely don't forget about signing up for Wednesdays with Wendy,   Bill Fairman 00:01:28 As you know, Wendy devotes, 30 minutes per person on Wednesday afternoons, not this month, cuz she's on vacation to talk about anything real estate related. She's usually booked out a couple months in advance. So grab a spot. There's a link to her calendar and we will leave it over in the comment section which we have on the left side of the screen or underneath, depending on the platform you're viewing us from. We are excited today. We have Brian Maddox of Ameri first, first mortgage. He is an expert in the conforming and investment mortgage business. And I wanted to bring him in to have some discussions, Jonathan Davis, to my side. And like I said, Wendy is still vacationing. Of course it's not the vacation she was expecting towards the end as she ruined her transmission carrying around that RV. It's so listen, let's get started with some breaking news. All right. So if you see sweat dripping off of us, yes, it is summer. For what? Whatever reason. It's really stuffy in this room today. Hey Sue.   Jonathan Davis 00:03:00 Thank you Susan.   Bill Fairman 00:03:03 So breaking news yesterday, the fed announced another 75 basins point hike in their rate. That was not unexpected.   Jonathan Davis 00:03:13 The good news is it was already priced in to most lenders. Yeah. Right.   Bill Fairman 00:03:17 And, and investors liked it because of the language he used after he announced it. They're basically want doing a wait and see kind of an attitude, right?   Jonathan Davis 00:03:26 Yeah. They anticipate they're at the top of the interest rate hike.   Bill Fairman 00:03:31 They said they're gonna be data sensitive   Jonathan Davis 00:03:34 Data   Bill Fairman 00:03:35 Sensitive. They're gonna trust the science   Jonathan Davis 00:03:36 Trust. The science man. I've heard that somewhere too. Before. I can't   Bill Fairman 00:03:39 Remember where the other news we are technically in a recession officially, unless you've changed the language that we've always had today, the GDP was 0.93. What is it? Retraction subtraction. We were below par. Yeah. By 0.9, 3%. Again that wasn't unexpected either. We all know we're essentially in a recession right now. Job. Market's still good. Yes. Right?   Jonathan Davis 00:04:18 Yep. And that's that that's leading to the, the kind of wait and see model is the, the jobs are saying strong right now that they feel like, okay, well maybe we can pause adding more. Right. Hikes down the way to see because cuz we do have such a strong job market.   Bill Fairman 00:04:36 And in, in a few minutes we're actually gonna let Brian talk. We doesn't have to just sit here and smile. He   Jonathan Davis 00:04:41 Will. Well, we're wait. He has the really interesting stuff. I'm just, this is just commentary.   Bill Fairman 00:04:47 Now the job market is gonna be a little bit tough in the mortgage business and I'm gonna read off some stuff. I, I typically don't like just reading off a prompter, but I have a lot here to cover. So experts are forecasting, a 35, 50% drop in mortgage originations this year, 2021, there was $4 trillion in mortgages and they're expecting it to go down to 2 trillion in 2022. Most of the drop is due to a decrease in refinancing, which makes sense as rates go up. Meanwhile, mortgage refinance applications are down nearly 80% from a year ago. And that's according to the mortgage bankers association, Brian, isn't that typically what happens when rates start to go up?   Bryan Maddex 00:05:35 Yeah. You get a lot of extra applications because I can't not refinance. The rates are so good. Well, everybody probably refinanced in 2020 and 2021. And we came into this year with rates in the threes. But by March they were in the fours and you know, pressing the fives right now. If you don't have great credit, you might be getting a 7% rate. Yeah. So if you've got a 3% mortgage, even if you've got some debt, sometimes it's not worth doing a refinance, but you want to talk to your mortgage person and look at your blended rate. And a lot of people don't look at what the blended rate is, but if you are   Bill Fairman 00:06:11 Yeah. Explain the blended   Bryan Maddex 00:06:13 Rate. Yeah. So let's, we'll use easy math. Let's say you have $60,000 in a mortgage at 3% and you have $60,000 on credit card debt, which sounds like a lot. But credit card debt just hit an all time high last month. So people are tapping into their, their credit much quicker than they have in the past. And if, if that credit card debt's at 19%, but it's half of your debt and then your mortgage is at 3%. It's half of your debt. If you blend those rates, you take three plus 19 is 22, your blended interest. Rate's 11% sure. Right? And so a 7% mortgage sounds horrible compared to a 3% mortgage, but it sounds great compared to 11% blended debt   Bill Fairman 00:06:55 And that 11% is now tax deductible,   Bryan Maddex 00:06:58 Possibly   Bill Fairman 00:06:59 Mostly   Bryan Maddex 00:07:01 Possibly they've changed a lot of those laws in the, in the Trump era.   Bill Fairman 00:07:06 So you can't deduct   Bryan Maddex 00:07:07 Just equity. You cannot deduct okay. Own equity. You used   Bill Fairman 00:07:10 To, you can only deduct the interest from your original purchase. Is that basically what   Bryan Maddex 00:07:15 Saying? I believe, yes. And then you may be able to deduct if there was some business expenses or some home improvement, but talk to your CPA   Bill Fairman 00:07:23 Or financial planner. And, and we are, none of those   Bryan Maddex 00:07:26 Bill is not a financial planner,   Bill Fairman 00:07:28 CPA don't   Bryan Maddex 00:07:29 Claim to be may maybe tax deductible.   Bill Fairman 00:07:31 So the devil's advocate would say, yeah, if I take my credit card stuff and put it into my house, then now if I run into the worst case scenario, right. And I can't afford my payments, you know, they can foreclose on me. If I don't put my credit card debt in there and my payments stay low. Right. I can tell the credit card companies to take a hike. They're not gonna take my house.   Bryan Maddex 00:07:59 This is true. And depending on the state, you know, some states offer more protection than others or your primary residents. But if your cash flow is so upside down that your credit card, debt's getting worse every month. Yeah. You're leading towards the inevitable. Right? Right. And so if I can refinance and save you 800 or a thousand dollars per month now, yes, the mortgage is larger and it is putting your, your home possibly at risk. But man, if you can reset your finances and now work within a budget that you're allowing, allowing you to add your savings instead of adding credit card debt every month, it really is. It's not a, for everybody, it just depends on your situation, but it could be appropriate still to do a refinance. I've got one closing today. She's going from a 3.2, five to seven. We're paying off $40,000 in debt. Wow. We're opening up four to $600 a month in her cash flow. She's also on a 40 year mortgage. She's not making headway, right. Her, she's got an equity line that she's been paying interest only on for 10 years. Wow. Right. So she's not G getting better financially. So yes, we're taking her rate up, but we're gonna massively change her situation. Now she's got debt being paid down and has extra money for savings. And, and   Jonathan Davis 00:09:10 I just wanted to say, everyone's scared of 7% interest rate. Like we're gonna, I'm gonna beat it like a dead horse, the average rate over the course that we've been tracking this since we've been tracking, it is over 7%. Yeah. Like 7% is not a bad interest rate.   Bryan Maddex 00:09:28 I've always used six and a half percent as the average. And so yes, we're on the high side of average, but these are average rates. Yeah. These aren't high. It only seems and feels high because we came from almost free money. Yeah.   Jonathan Davis 00:09:40 Yeah. It was free money. 2% free. We   Bill Fairman 00:09:42 Definitely have been living on, on free money for   Bryan Maddex 00:09:44 A while. Yeah. And we don't want to go back to 2020 that economy sucked. Yeah. Right. So we don't want to see two and a half percent mortgages. That means the, the economy is so broken. It's nice when you're borrowing, if you're buying, but it really it's, it's, we're paying for that.   Bill Fairman 00:09:59 So one last thing on that are, are you trying to keep lung values low? Yes. So people still have equity so they can get outta their house if they have   Bryan Maddex 01:10:09 To. Yeah. Even FHA changed their guidelines in the last 12 months where you can only go up to 80% of the value of your home. It used to be FHA. You could get up to 95% on a cash out refinance and they've restricted that. So any loan program that I can do 80% is our max cash out. Unless there's like divorce or inheritance or death, there are ways to get above 80% if you're buying out somebody from the house. Right. But for the most part, 80% is the max. You can go, okay. Now equity lines of credit could be an option for some people. Their interest only payments can be bad. Yeah. It could be nice, but they can go higher. Some of them will go it a   Bill Fairman 01:10:46 Hundred percent. Well, my concern is, and don't get me wrong. I'm not saying we're going into a 2008, but we have it in the back of our head. And we wanna make sure that there's enough space between what you owe and what your house is worth. Right. So you can liquidate without having to bring money to the table or walk away from the house. And we'd much rather if somebody is getting into trouble, be able to sell that house and get out from under it then to walk away from it. Right. Right. So we, we still need to keep that part of the problem that we had in 2008 was the hundred percent loan. The 1 25 loan.   Bryan Maddex 01:11:22 Thank you. Ditech yes.   Bill Fairman 01:11:25 The, you can buy this house fully, furnish it and build a pool all in the same loan.   Bryan Maddex 01:11:30 You don't have to job a job. Right? You tell us that you make money and won't believe ya. It was, it was a wild times. That's not the underwriting case. No, no. It's, it's so far different from that   Bill Fairman 01:11:39 Completely different. You, I think they have to do a blood test to get along anymore. Okay. Let's get to the good news. Wells Fargo laid off at least 114 employees in its mortgage lending team following a 33% drop in first quarter revenue, JP Morgan announced its most recent round of layoffs in its lending department on Wednesday affecting more than a thousand employees. The bank said, some employees will be let go. Others are moved to new teams. We're gonna talk about diversification in your business model. Yep. As an employee, you need to be multi-skilled. So when layoffs do come, if they have openings in other areas that you can move into, it's only gonna protect you. So don't be a one trick pony. So to speak layoffs are much worse at the non-bank lenders where less diversified business makes companies more susceptible to fluctuation and rates. That's what I'm talking about is having other verticals.   Jonathan Davis 01:12:43 You're talking about mortgage originators, who, you know, use warehouse line and   Bill Fairman 01:12:47 Just that's all they do. They're more likely to serve first time home buyers who are first get pushed out when rates go up as well. I wanna get back to that first time home buyer thing. When we're talking in a moment, the non-bank lenders also rely more heavily on refinance mortgages, which made up 63, 3% of all mortgages last year and obviously are expected to fall. I'm going to cover this real quick. Some of these non-bank lenders, better.com. They laid off 3,900 workers. Wow. And they started this back in December of last year. If you guys will remember the CEO, his name is Gar. I can't pronou. Yeah. Mission. He announced the first round of layoffs of 900 people in a zoom call. You might remember that classy. He said, if you're on this call, you were part of the unlucky group that is being laid off. Oops. Your employment here is terminated effective immediately. Now, in my opinion, this business was gonna go under sooner or later anyway, because better you have somebody. Yes. Because if you have somebody like this, leading your business, the culture, there is crap. Right? And eventually it would eat itself   Bryan Maddex 01:14:11 Well. And they wanted to, they wanted to disrupt the market and do a business model where the consumer did everything online. Didn't have to talk to a loan officer and they really thought we're gonna change the world in the mortgage space. Right. They lost money quarter after quarter after quarter, they were trying to buy market share. And you can only lose money for so long. And then rates go up and your business model is completely destroyed.   Bill Fairman 01:14:34 So they tried to get into the market as a FinTech, not as a mortgage company. Correct? Exactly. Yeah.   Bryan Maddex 01:14:40 They, they took,   Jonathan Davis 01:14:40 They took the Amazon model, but yeah. And they're getting break, spikes killed   Bill Fairman 01:14:44 That and they're getting rounds and rounds of public money. And that's how they were able to do these mortgages in the first place. Right. So yeah.   Jonathan Davis 01:14:53 What reminds me of that old saying, what is it? We, we, it costs us a dollar 25 to, to make these widgets and we sell 'em for, for a dollar. And it's like, how do you make money volume? It's like put, add up. Yeah.   Bill Fairman 01:15:09 So they were another 2,500 laid off from about a half a dozen larger lenders. Plus numerous smaller lenders have made cuts as well. Real estate brokerage firms are starting to feel the heat. Redfin compass, both made headlines announcing more than 900 job cuts on June. The CEO of Redfin said we could be facing years and months of fewer home sales, which is,   Jonathan Davis 01:15:40 I don't think is I think it's true. Yeah.   Bill Fairman 01:15:42 I'm not arguing.   Jonathan Davis 01:15:43 I mean, the inventory is just,   Bill Fairman 01:15:44 But it's says they're laying off Redfin 780, I'm sorry. 470 employees, about 8% of their workforce because they don't have enough work for their agents and support staff. Now I get the support staff being laid off, but agents aren't, they supposed to be independent.   Bryan Maddex 01:16:05 Redfin's another one of those companies that wanted to do things completely different. Yeah. Right. And so they would, they would pay agents. Like you wouldn't work with an agent through your home buying process. You would work with Redfin. And if you wanted to go see this house, they would've assign a agent to show you that house. Okay. That agent got paid a fee to take you and show you that   Bill Fairman 01:16:24 House. Okay. So that agent didn't necessarily work for Redfin. They just got a fee from Redfin.   Bryan Maddex 01:16:29 They were more of an employee model instead of the 10 99. Oh, okay. They're more salary based and makes sense. Comped based on activity instead of sales. So they just had a, again, it's a completely different business model they wanted to disrupt. And the traditional business model's, what's worked forever.   Bill Fairman 01:16:46 Yeah. So if you're a realtor and you're not eating what you kill right. Then you're gonna be subject to this. Right.   Bryan Maddex 01:16:53 The market's gonna hurt you a little more.   Bill Fairman 01:16:54 Yeah, absolutely. And then Zillow announced 2000 employees layoff 25% of the company in late 2001, a lot of that was due to that wonderful home buying program that they had, that they weren't making any money in   Jonathan Davis 01:17:11 Brian. So we talked about, you know, the CEO said that there was years of, you know, slower home sales. Right. Do you see that as well? I mean, cuz we see inventory. Yeah. We see, you know, how what's being put on the market, which everyone's talking about, but also what is even available and new construction, like do   Bryan Maddex 01:17:29 You see? Well, that's the thing is what they don't really drill into is there is less inventory. If there's less inventory, you can't have as many sales. Right. And then you've got people who don't have to move right now that are in two and half, 3% mortgages. Yeah. And if they wanna move, they're going into a six or possibly a 7% mortgage. Why, why do I want to make that move if I don't have to, to right. So maybe I'm gonna say as, as the price of houses have gone up and as interest rates have gone up, maybe I, I wanna wait and I wanna sit this season out. So we're seeing inventory increase right now. The media they sell by fear. Yeah. They're gonna say inventory is going up. That proves the market's crashing. Every summer inventory goes up. Every winter inventory goes down, that's a normal cycle for real estate. So we're gonna see that. Yeah. And we need to get a little bit of normalcy in the market. We can't sustain 20% growth of housing pricing year over year, which we are yeah. For the second year, a row, almost a 20%. I think the official number is 19.3% increase. Yeah. I saw 19 something. Yeah. Mm   Bill Fairman 01:18:31 It's crazy. It's crazy. The average has been three to three and a half percent since the fifties.   Bryan Maddex 01:18:35 Yeah. And you know, mortgage production is down almost 50%. I I've seen a lot of numbers that say 35 to 40%. This will still be about the third best year in the last 15 years for mortgage production. It's just the mortgage production set records   Bill Fairman 01:18:50 Had been so high.   Bryan Maddex 01:18:51 Right. Right. And so I saw another headline that said, I don't remember who posted it. They said foreclosures are up 440%. Cause they were down a thousand. We had like 16,000 foreclosures and all of 21, which was ridiculous low. And now it's up to a hundred thousand. So yeah,   Bill Fairman 01:19:09 It's up a lot. And why was, why was foreclosures down? Not necessarily because people could afford their homes, but they could sell 'em before they got in the foreclosure, they got equity were worth a lot. Right. They could, they weren't walking away from   Bryan Maddex 01:19:21 'em and we haven't been doing lending to your point from 2008, we've not been doing a hundred percent financing. People have been committed into the home. Sure. And then equity has just exploded. Right. So yeah, if you're in a bad way sell, you don't have to foreclose right now you can sell 'em and take out some equity.   Bill Fairman 01:19:36 So I, I wanna get back to the now to the opportunity that I see. And I wanna see if you have any comment on this. So first time home buyers being pushed out because payments are a little bit high. They have student debt, blah, blah, blah. Even though they're have a moratorium on the payments, they still have to qualify right with the debt and then everything else is going up in price. So it's harder for them to afford a down payment and mortgage payments. I get that. Now we've had empty nesters that have been sitting on the sidelines because they're number one, they're worried if they sell their house, they have no place to go because there's a lack of inventory, smaller homes. Now, if we have these smaller starter homes that are gonna be more available, I see empty nesters, not worried about the higher mortgage rates, because they can sell their home, take plenty of that equity, but it down on the house and get a reverse mortgage. Yeah. And then never have to worry about a mortgage payment, the rest of their life.   Bryan Maddex 02:20:34 Right? So the reverse mortgage is a great tool. It got a lot of bad rep in the eighties. Right? Cause there's a lot of people doing some shady things and pushing it to maybe people who didn't need to have that. Well now it's so hard to get a reverse mortgage. You've gotta go through some training and some counseling. Sure. Even to get it, but then they, they have math that they're gonna work out based on your age. You've gotta be at least I think it's 62 and a half or maybe even 65 to get a reverse mortgage. But if you've got assets, right, you sell your house, you could put maybe 50% down. And it depends on your age. Exactly what the requirement is. But you can put, let's say 50% down and then stop making payments.   Bill Fairman 02:21:09 Yeah. Done. Yeah. And who cares? What the rate is?   Bryan Maddex 02:21:13 Who cares and FHA? What a lot of people think the reverse mortgage, oh, I'm gonna inherit a house. That's upside down FHA caps. How much the debt can be versus the value of the home. It's an insurance policy, right. The FHA puts on that home and they guarantee you're not gonna go upside down and you can't outlive a reverse mortgage. Right. So if you get to a hundred, man, you've been living there maybe 30 years, 35 years, they they're not gonna kick you out.   Bill Fairman 02:21:37 Yeah. They they're really upset with my mother-in-law she's 91. She got a reverse mortgage about 25 years ago.   Bryan Maddex 02:21:46 Yeah. Living large. Right. That's right. She pays what taxes and insurance. Yep.   Bill Fairman 02:21:50 That's it. Yeah. And those are the only things. Well, homeowners dues   Bryan Maddex 02:21:53 As well. It's HOA if you've got, so   Jonathan Davis 02:21:55 That is an opportunity. I mean, for, you know, the baby boomers that are moving into, into that, in that is the   Bill Fairman 02:22:02 Largest. And what else does that do now? It helps with more inventory, more inventory. Now they're gonna be bigger homes. And that may, at some point   Jonathan Davis 02:22:13 That has prices have to come down,   Bill Fairman 02:22:14 Flatten the, the prices on, I don't wanna say luxury homes, but the probably figure on the mid. And   Jonathan Davis 02:22:22 Also when I say prices come down, I mean, not appreciated 19%,   Bryan Maddex 02:22:27 You know, like more of a black,   Jonathan Davis 02:22:28 More like, you know, like 2%.   Bill Fairman 02:22:30 Well, right. I did see some stats where the median home price now is like 4 12, 4 28, 4 28 where it was four 50 something earlier. Yeah. This year, that doesn't mean the prices on these. It doesn't mean the values have gone down. It just means people aren't paying more than the asking price anymore. Right.   Bryan Maddex 02:22:51 Yeah. I think in, in may the average home sold for 102% of the list price.   Bill Fairman 02:22:58 Yeah. It doesn't surprise   Bryan Maddex 02:22:59 Me, which is insane. Right.   Bill Fairman 02:23:02 I, I, I bought a lot in Englewood, Florida and the house next to me was pending when I bought the lot and it was listed for 6 99 and it finally went through and I was checking to see what the sales price and they, it was sold for 7 25. So the asking price was 6 99. It sold for 7 25.   Jonathan Davis 02:23:24 I mean, I, for example, I've listed a house in Concord in may and it sold for 102% of list price. I listed a house in Charlotte in the end of June and it's probably gonna sell for 98, 98 and a half percent of the list price, right? Yeah.   Bryan Maddex 02:23:42 Yeah. The pricing of the homes. And I talked to a lot of my agents that I work with about pricing of right. Three months ago, you couldn't price it wrong. You were gonna get an offer. Right. You were gonna sell that house no matter how you priced it right now, if you price it way too high, it may sit for two or three or four weeks. Oh God forbid. Right. And that's gonna spook the market, like what's wrong with that house. So I've got a agent that I've, I've known for a very long time and he would rather price it a little bit under and get a couple people bidding on that house. He thinks it's gonna do much better if he prices it a little smarter and more conservative, you're not driving away. Some of the traffic from the get go.   Jonathan Davis 02:24:19 Yeah. I mean, Don Harris, he's a friend of ours. He listed my house than con Concord. And that was exactly his strategy. Like, Hey, put it here and you know, let the market dictate. And that's what happened.   Bryan Maddex 02:24:30 Don is see, as I was talking about   Jonathan Davis 02:24:33 Don. Yeah. He's,   Bryan Maddex 02:24:34 He's great. He sold lot homes, but he saw quickly that the market is shifting. Sure. Now market shifting the media's gonna say it's crashing.   Bill Fairman 02:24:42 Don is not one of the Redfin model.   Bryan Maddex 02:24:45 No, he is   Bill Fairman 02:24:46 Not. He's an actual professional real estate person.   Jonathan Davis 02:24:48 He's   Bryan Maddex 02:24:49 Probably the best. But in 2019, 2018, when you listed your house, how long did it take to sell   Jonathan Davis 02:24:54 18? 19. Yeah. I mean what it, it would take what? 30 days?   Bryan Maddex 02:24:59 Yeah. 44, 6, 8 weeks. Yeah. That's a normal market. Yeah. Right. And so right now people are, oh my gosh. I lifted my house two weeks ago when it's not sold. Yeah. And they think the market's crashing. No, we're normalizing. Yeah.   Jonathan Davis 02:25:10 The average day is still 19 days on market. Like we're still that's,   Bryan Maddex 02:25:14 That's insanely fast.   Jonathan Davis 02:25:15 That's yeah. People, people have been used to you listed on a Friday and you have multiple offers before Sunday evening.   Bryan Maddex 02:25:21 Right. They were hoping for 19 hours to get that offer night, 19 days.   Bill Fairman 02:25:24 Yeah. So if you're in the mortgage business and you have unfortunately been dedicated to refinancing cash out, that kind of stuff, you're, you're gonna be hurting,   Bryan Maddex 02:25:39 Not the best time to be in the business. If that's   Bill Fairman 02:25:41 What you do. If, if that is your business model, you know, it's gonna have to change for you. If you're gonna stay in that business. What are your recommendations to, to folks that are doing that?   Bryan Maddex 02:25:50 So the, a lot of people, I've got a guy on my team who was in a refinance house and he saw the writing on the wall that rates are starting to go up and he knew I need to get out of this industry of the refi industry because the it's so dependent on the market and rates. And you've seen a lot of people that are used to doing lots of refinances, trying to get into the purchase business. And so you've got a lot of companies, the better dot coms and the ones that are doing the layoffs. Now they tried to keep their staff as long as possible. It's hard to reaff sure. Right. So they hang on and the way they hang on is they try to go very bottom of the profitability of a loan and maybe even take some losses on loan to try to keep volume up.   Bryan Maddex 02:26:30 Right? Yeah. We're making up in volume. Yeah. They're trying to protect the jobs. And at some point they just gotta let go and say, we can't manage this anymore. Sure. And we're, we're going to the end of our reserves. So now we need to meet, make profit on loans. We've gotta raise our rates back. That's gonna slow 'em down a little more and they just have to let staff go. So we had the staff up and, and all mortgage companies were insanely short in 20, 20 and 21. Sure. And trying to hire anybody they could. Well, now it's the opposite problem. We have capacity for $4 trillion in production, but we're doing $2 trillion in production. There's a lot of people you don't need. So if you didn't get out already look, but it's hard. If you're a refi guy, it's gonna be hard to get into another mortgage place. And a lot of the people that got in on the refi boom were doing something else before. Right. And we need a healthy pruning of the marketplace. We do. We relocation the workforce. That's   Bill Fairman 02:27:19 It for sure. I was gonna say the same thing with the, with the realtors. Yeah. As well. There's a lot of people that are doing it. Part-time   Bryan Maddex 02:27:26 I feel like everyone's   Bill Fairman 02:27:27 A realtor. These,   Bryan Maddex 02:27:28 It has been for the last two years. Yeah. Right. And, and   Bill Fairman 02:27:31 Really, if you're only doing a few transactions a year, you're really, unless you have been in the business for 30 years and now you're cutting back. You're really doing a disservice to the public out there because if you're somewhat new to the industry and you're still only doing a few transactions a year, you don't really have the experience that you're gonna be able to help these customers out the best because right. Things of all things change, you see all kind of stuff out there and you really need experience people out there helping you. If you're looking for a home. Yeah. What do you, where, where do you think the opportunities are gonna be for the next year,   Bryan Maddex 02:28:10 Man? I I've got some people who think the mortgage, the, the, the real estate market's gonna crash. Right. And they're holding their cash. And I think that they're missing the boat. I, I feel like nationwide. We're about three and a half to 4 million homes, short new construction. You've got about a third of new homes that are built, built directly for rentals. Right. So new, construction's not gonna save the day. It's not a quick fix. The marketplace can absorb some foreclosures, which we're seeing more foreclosures, but that's not crushing our real estate values as of may. We're still increasing crazy speeds. Right? Sure. So I think the opportunity is not sticking your head in the mud and waiting for a year. I think that's, you you've missed the opportunity. I do think we'll see the market open up and get a little bit more normal rates probably will top out in September.   Bryan Maddex 02:29:01 Hopefully the way that inflation data, it's a rolling average. They always replace last year's number. And last summer we had inflation numbers that were in the zeros, you know, 0.1 0.4. This year they're being replaced by 2% inflation. So it makes it look like it's much worse than it actually is. September was the last really low number. Come October. We're gonna start replacing higher numbers on that. Rolling average. So inflation should appear to start coming down. That should open up some more opportunity for rates. First time home buyers might be able to come back in into the marketplace a little bit, but if you're an investor, you just gotta run the numbers. And if the numbers work, I'm not sitting on the sideline right now. Right. I, I think that the, the, the boat you're gonna miss is by saying, I'm gonna wait six to 10 months.   Bill Fairman 02:29:43 Yeah. Your, your rent are gonna continue to increase over time. Even if your interest rates are a little bit higher than they have been, you know, the issue is you've been typically overpaying for these homes because the values continue to go up. Right. And the way to get around that obviously is to put more money down. Right? So you still keep up with your cash flow, cuz for the most part, we don't see values dropping. We just see the rate of appreciation slowing. Yeah. So those, those properties are still gonna go up in value. You're still paying a payment based on the same dollar figure for 20 years, right. When inflation is going to make that dollar worth less and less and less, right. And while your values and your cash flow continue to go up   Bryan Maddex 03:30:32 And people miss that part of your payment is a forced savings account. Right. Part of your payment's going towards principle. Right? So once you calculate in your amateurization growth of the value of your home, right? That's putting equi extra equity into your home every month, every payment, it it's still a good opportunity for most people. Now the numbers might be tighter. Yeah.   Jonathan Davis 03:30:53 Right. But it's, it's the whole thing. Like what, what we tell the staff here, when we talk about like, if we don't make loans, we don't make money. Now the market tells us a lot of times not to stop making loans, but how do we change? And in like alter what we do in making those loans, we still have to make them same thing in real estate with you're a real estate investor. You don't stop buying real estate. Maybe you change how you buy it. Change a little bit of what you're doing because of certain market conditions. Right? You don't stop buying because then how do you make money? If you just hold, hold your cash and you do nothing. You're, you're in a 9% inflation period. You're, you're losing a lot of money.   Bryan Maddex 03:31:36 You're safely losing money. You're safely   Jonathan Davis 03:31:38 Losing money.   Bill Fairman 03:31:38 Right. It becomes a contest on how, if I lose less than you do, then I'm winning.   Jonathan Davis 03:31:45 And I was, I was the smart one. Yeah.   Bill Fairman 03:31:48 So bottom line is as an investor, you make your money on, on the   Jonathan Davis 03:31:53 Buy on the purchase.   Bill Fairman 03:31:54 Yep. And unfortunately for real estate agents, it's gonna be very difficult to work with investors because you're dealing with houses that are on the market, unless you have a, a line of off market properties. So they're gonna have to buy below market and they're gonna have to put more money down in order to make the numbers work   Bryan Maddex 03:32:16 Or look at doing an alternate type of rent. Right. Maybe it's not a long term. Yeah. Purchase season. Maybe it's a short-term rental purchase season. Yeah. Could be right. Your, your margins could be higher. You've gotta run the numbers and you have to have a backup plan. What if that short term, right? What if the, the county puts an ordinance in place and stops short-term rentals? Yeah. North Carolina should be pretty protected from that happening because of the Wilmington case that, that we, we saw Charlotte, I heard had plans to tamp down on short-term rentals. And as soon as that Wilmington case was settled, they stopped that change. But other states, you just gotta watch out what could happen to this short-term rental. Right. But you've just gotta run numbers and it's a business decision, not an emotional   Bill Fairman 03:32:57 Decision. And it it's very important point. If you buy for a short term rental, make sure it works for long term because you always have to have an exit there's a, or a backup. Yep. Brian, thanks so much for joining us in person for a change. That's been it. Yeah. Great to   Bryan Maddex 03:33:13 Be here.   Bill Fairman 03:33:14 Now you get to look at my face. Thank you so much for joining us on the real estate investors show hard money for who? Real estate investors. We are Carolina capital management, private lenders for real estate professionals in the Southeast. If you would like for us to take a look at one of your projects, just go to Carolina, hard money.com and click on the apply. Now tab, if you are an accredited investor, looking for passive returns, go to oh, click on the, in the investor tab. Yeah. Same website. Don't forget to like share, subscribe, hit the bell and sign up for Wednesdays with Wendy. It's been a pleasure. Oops. Can't see that one. See you next week.  

Irrigation Training Series
Two Reports That Make Water Management A Snap

Irrigation Training Series

Play Episode Listen Later Jul 29, 2022 33:59


Sometimes reducing complex situations to basics makes them easier to understand and manage. For example, basketball is a difficult sport, but the goal is to move the ball into the basket. Water management is also a complex process, but breaking it down to the basics means the goal is to replace the amount of water used by evapotranspiration. Jain Unity has a report created with just the click of a mouse showing how much water was applied for the day, week, month, or year compared to ET. This report is eye-opening for water managers. It is a key performance indicator for every water manager and so easy to generate. So simple. In tandem with the over or under-report, using the landscape report regularly ensures the proper configuration of your irrigation and landscape is reflected in your programming. With a click of a button, the landscape report shows exactly each station configuration, what is being watered, and how. Changes in the field are not always reflected in the programming; checking this regularly ensures better water management. During this webinar, you will learn: - Where to find the over/under report - What the data in the report reflects - How to use this report to save water - How to share this report with property owners, and HOA managers - Where to find the landscape report - How to use the landscape report to manage water better

Storytime
r/MaliciousCompliance | DELETE THE WHOLE IT SYSTEM?! YOU GOT IT!!! - rSlash Storytime

Storytime

Play Episode Listen Later Jul 29, 2022 30:48


Reddit rSlash Storytime maliciouscompliance where HR won't pay small change for extra time results in company losing thousands of dollars. Told to change one student's grade, so I changed them all A firm clock in and out story with a twist Collective supermarket MC Piggybacking on other HOA posts! boss demands 9-5, I do all the disruptive tasks I'd been doing out of hours during 9-5. Boss relents. When "Are We There Yet" is a bad word “Give your brother water” The fence is whiter on the other side All flora must be HOA approved The director of IT tries to overstep and abuse her power and it ends up deleting our only copy of our computer image Well, he painted it... See acast.com/privacy for privacy and opt-out information.

No Vacancy The Podcast with Natalie Palmer | Airbnb
Knowing This 1 Thing Will Transform Your Hosting Strategy

No Vacancy The Podcast with Natalie Palmer | Airbnb

Play Episode Listen Later Jul 27, 2022 44:36


Welcome, and thanks for checking in today to No Vacancy The Podcast! On this week's episode: The Four Quadrants of Hosting. Take the quiz here! Run a Wifi speed test on your property through the Airbnb app: https://www.airbnb.com/help/article/3003/verify-your-internet-speed Question of the week: Should I buy a property in an HOA? Reacting to a host that dropped everything to deliver a TV to their guest. Thank you Jennifer for submitting this week's AITAH! Check out her listing here and support a fellow listener of No Vacancy: airbnb.com/h/thedwellinghost Connect: Show Notes | Start Your Airbnb  Instagram Schedule a 1:1 consultation Podcast Producer: Kelsey Lujan | kelseylujan@gmail.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Karma Comment Chameleon
r/MaliciousCompliance - Sticking It To The HOA! The KCC HOA Special!

Karma Comment Chameleon

Play Episode Listen Later Jul 27, 2022 17:46


Today we visit r/MaliciousCompliance with an HOA (Home Owners Association) Special! 4 Stories about your local HOA's and how the people brought them down!Visit us on YouTube! https://www.youtube.com/karmacommentchameleon

Real Estate Finder
Ep. 43 - Buyer's Transaction Part 2 with Real Estate Specialist Jill Glanzer

Real Estate Finder

Play Episode Listen Later Jul 27, 2022 25:18


You're the real estate buyer and your offer was accepted by the seller. Now what? 1. The First Deposit 2. Schedule Inspection. 3. Make Second Deposit the day AFTER Inspection. 4. If necessary, ask for credit, not repair. 5. If financing applies, order the appraisal.  6. Make sure one of the parties to the transaction has opened a file with the company doing the title. 7. Get movers.  8. The walkthrough. 9. Talk to seller or seller's agent about gate access on closing day. 10. Initiate utilities including the HOA payments and any club membership. (11. Close and list with us!) www.Realestatefinder.com

Und dann kam Punk
81: Apocalypse Vega & Herr Bottrop (ACHT EIMER HÜHNERHERZEN, HOA, HAPPY HOUR, TERRORGRUPPE, THE BOTTROPS,...) - Und dann kam Punk

Und dann kam Punk

Play Episode Listen Later Jul 26, 2022 149:54


Christopher & Jobst sprechen mit Apcalypse Vega & Jacho. Wir reden über das besetzte Schloß Zeesen, Slade am Lagerfeuer, Studium der Philosphie, erstes Treffen im Hof des Trickster, im Park Stücke schreiben, deutlich mehr Frauen im Publikum, 80er Scrachtes, die großartigen Powertrios wie Hüsker Dü & Motörhead, Punk kam 77 in Jachos Leben, mal wieder Mal Sondok, mit 14 Musikexpress & Sounds, der Kampf ums lokale Jugendzentrum, "1980 - das Jahr der Jugendkulturen", große Badges an einer viel zu großen Anzugsjacke, Erdlöcher rauchen, Gitarre lernen im CVJM, eine Gitarre von C-Winner, aus Suizid Kommando wird dann Hostages of Ayatollah, die Band La Vacge Qui Rit, Schuppi kennt schon 60s-Punk, mal wieder der Last Chance Laden in Dortmund, Bluttat & BRDreck, Stunde Xs "Graf Porno reitet für Deutschland", die Wichtigkeit von Torso, eine Woche im Proberaum bei Die Harnröhrer, HOA & Tommi Stumpf live Ende 1985, Tu-Do Hospital, intellektuell an Heroin kommen, Studium der Ökonomie, Konzept der Terrorgruppe, ein Viertel Punk sein, die erste Hans-a-Plast LP, außerhalb der Gesellschaft leben oder auch nicht, sich an der Szene abarbeiten, das Bedürfnis sich selbst zu verwirklichen, das Restaurant Agni in Prenzlauer Berg, nicht viel Geld für Essen ausgeben, 10 Platten für die einsame Insel, uvm.

Dipped In Tone
Back from the Road

Dipped In Tone

Play Episode Listen Later Jul 25, 2022 76:04 Very Popular


28:15 Main Topic Support us on https://www.patreon.com/dippedintone Merch Store https://teespring.com/stores/dipped-in-tone In this episode of the Dipped in Tone podcast Rhett Shull and Zach Broyles talk a little about HOA pains, we dip an rig, and talk about the Sweetwater GearFest, Zach's JHS trip, and more! Subscribe, give the video a like, and drop us a comment about what you think or future podcast ideas. Leave us a voicemail https://anchor.fm/dipped-in-tone Learn more about Rhett - https://www.rhettshull.com/ Rhetts Discord Server - https://discord.gg/hMTvsRb Learn more about Zach & Mythos Pedals - https://mythospedals.com Purchase gear we use for making videos and working on gear. https://www.amazon.com/shop/mythospedals #guitarpodcast #guitarpedals #electricguitar --- Send in a voice message: https://anchor.fm/dipped-in-tone/message

Kasper and Chris
Kasper and Chris 7/25/22- Budget surplus and HOA issues

Kasper and Chris

Play Episode Listen Later Jul 25, 2022 111:52


Kasper and Chris team up to discuss the Idaho budget surplus and how best to spend it. They also talk about an issue with an HOA asking someone to remove rainbow lights from their home.

We're Having a Good Time
Ep 17 Dusty talks about his HOA and everywhere he's lived, lots of Bible Talk

We're Having a Good Time

Play Episode Listen Later Jul 25, 2022 94:08


In the episode Dusty talks about his HOA and History of everywhere he's lived, lots of Bible Talk and he reads emails. This is longer than normal.

VOV - Việt Nam và Thế giới
Tin trong nước: Chương trình nghệ thuật "Màu hoa đỏ" lần thứ 15: Khúc tráng ca hào hùng về một thời hoa lửa

VOV - Việt Nam và Thế giới

Play Episode Listen Later Jul 23, 2022 2:13


- Kỷ niệm 75 năm ngày Thương binh Liệt sĩ, 50 năm sự kiện 81 ngày đêm chiến đấu bảo vệ Thành cổ Quảng Trị, tối nay (23-7), tại Nghĩa trang Liệt sĩ Quốc gia Trường Sơn, tỉnh Quảng Trị, Ban Tuyên giáo Trung ương và tỉnh Quảng Trị phối hợp tổ chức Chương trình nghệ thuật “Màu Hoa Đỏ” lần thứ 15 năm 2022. Tham dự Chương trình có Đại tướng Lương Cường, Ủy viên Bộ Chính trị, Chủ nhiệm Tổng Cục Chính trị Quân đội Nhân dân Việt Nam; Bí thư Trung ương Đảng, Trưởng Ban Tuyên giáo Trung ương Nguyễn Trọng Nghĩa; Lãnh đạo các Bộ, Ngành Trung ương, tỉnh Quảng Trị và một số địa phương; Đại diện Mẹ Việt Nam Anh hùng, các cựu chiến binh, thân nhân liệt sĩ và đông đảo chiến sĩ, người dân địa phương dự chương trình nghệ thuật này. Tác giả : Đình Thiệu - Thanh Hiếu/VOV Miền Trung Chủ đề : nghệ thuật, màu hoa đỏc --- Support this podcast: https://anchor.fm/vov1tintuc/support

Nate Shelman Show
Raves and Red Light Rants

Nate Shelman Show

Play Episode Listen Later Jul 23, 2022 87:57


Now, for something completely different... It's Rant and Rave Friday, Live from Spring Creek Brewery! Since Nate was broadcasting from Avimor, we got a lot of mixed opinions on the Avimor community and a lot of rants about the stoplight next to Avimor on Highway 55. Do you have any issues with the stoplights along Highway 55? In other local news, Nate talked about a Boise Homeowner who might sue his HOA after they made him take down his pride rainbow light display from his house. What are your thoughts? He also talked about Steve Bannon being found guilty on two counts of contempt, after not responding to a subpoena from the January 6th Committee. Nate took your random rants, raves, and clarified something he said at the end of the program yesterday. (7/22/22)

VOV - Chương trình thời sự
Thời sự 18h (22/7/2022)

VOV - Chương trình thời sự

Play Episode Listen Later Jul 22, 2022 55:34


- Tổng Bí thư Nguyễn Phú Trọng chủ trì họp Bộ Chính trị, Ban Bí thư xem xét, thi hành kỷ luật một số tổ chức cá nhân. - Thủ tướng Phạm Minh Chính, CTQH Vương ĐÌnh Huệ tiếp ông Maeda Tadashi, Chủ tịch Hội đồng quản trị Ngân hàng Hợp tác quốc tế Nhật Bản (JBIC). - Kết thúc Hội nghị nghiên cứu, học tập, quán triệt Nghị quyết Hội nghị Trung ương 5 (khóa XIII), Thường trực Ban Bí thư Võ Văn Thưởng yêu cầu: tránh tình trạng cho ra đời ra một phiên bản nghị quyết mới, đọc hay nhưng bao giờ xong, ai làm, thước đo như thế nào thì lại ít thể hiện. - Kì họp thứ 8 HĐND thành phố Hà Nội khóa 16 nhất trí bầu đồng chí Trần Sỹ Thanh, Ủy viên Trung ương Đảng, Phó Bí thư Thành ủy Hà Nội giữ chức vụ Chủ tịch UBND thành phố Hà Nội nhiệm kỳ 2021 - 2026. - Chi phí logistics vùng ĐBSCL chiếm tới 30% giá thành sản phẩm, khiến cho hàng hóa khó cạnh tranh. - Thêm 5 ngư dân trong vụ chìm tàu BTh 97478 TS được phát hiện và cứu hộ. - Mỹ- Nhật - Philipine bày tỏ lo ngại về chiến thuật “vùng xám”, đặc biệt trên Biển Hoa Đông và Biển Đông; tái khẳng định cam kết chung về tự do hàng hải và hàng không ở khu vực này. - Đại diện Ukraine và Nga sẽ ký thỏa thuận giải phóng hàng triệu tấn ngũ cốc đang tồn đọng ở Biển Đen, góp phần xoa dịu cuộc khủng hoảng lương thực ở nhiều quốc gia. Chủ đề : Tổng Bí thư Nguyễn Phú Trọng, Ban Bí thư, thi hành kỷ luật, tổ chức cá nhân --- Support this podcast: https://anchor.fm/vov1thoisu0/support

Georgia Bulldogs
Hour Three July 22 2022

Georgia Bulldogs

Play Episode Listen Later Jul 22, 2022 40:36


Clickbait starts us off. Kirby Smart can now show some muscle. The NFL's version of the HOA won't let the Falcons have fun. It's 99 Problems- Day 43. See omnystudio.com/listener for privacy information.

Chuck and Chernoff
Hour Three July 22 2022

Chuck and Chernoff

Play Episode Listen Later Jul 22, 2022 40:36


Clickbait starts us off. Kirby Smart can now show some muscle. The NFL's version of the HOA won't let the Falcons have fun. It's 99 Problems- Day 43. See omnystudio.com/listener for privacy information.

Real Estate Finder
Ep. 42 - The Real Estate Transaction With Jill Glanzer Part Three: The Buyer's Side

Real Estate Finder

Play Episode Listen Later Jul 20, 2022 23:30


You're the buyer and you are looking for real estate in Florida. What do you need to know and what to tell your real estate agent? And if you're the agent, what do you ask your buyer? Do you want to be near an airport? What is your price point? Are you okay with (and can you afford) a home owner's association (HOA) or a condo association? Do you want to be east or west? This is a question you will be asked often. Everything in Florida is east or west because we are surrounded by water. Are you an east coast of Florida person or a west coast of Florida person? Do you know the difference? Buyers are never bothering us! Our job (and we love it!) is to show you properties. New construction, open houses, nothing is too big or too small and we will never say no. Bottom line: You're never bothering us.  Once you find your ideal property, we write the offer. (Note: You should already know how you're paying for the property so have your financing lined up BEFORE you contact us.) If the offer is accepted, we schedule the inspection and you should go to it.  What type of inspection do you need? Are they all necessary? Have you ever had an inspection? It's money well spent on one of the biggest investments of your life. Check out the neighborhood. Meet the people. Linger a bit.  Buyers, what did we miss? 

Brian Wallenberg Show
Minnesota 2022

Brian Wallenberg Show

Play Episode Listen Later Jul 20, 2022 59:47


As I go on vacation to Minnesota, I talk about how airlines have unnecessary fees. While there, we have a first-hand visit to George Floyd square. Up North, I visit the Mississippi headwaters. I also visit my former radio station, KBEM-FM in Minneapolis. We have audio of Joe Biden back in the 1970's admitting he is corrupt. We talk about the upcoming midterms. Joe Biden gives One Million barrels of oil to China out of our strategic reserves, and then blames gas prices on Trump. Rick Harrison talks about inflation. James Madison's home got a woke makeover. Sadly, Ivanna Trump (former President Donald Trump's first wife) passed away at age 73. And finally, an HOA in Texas has fined a homeowner $250,000 for feeding ducks. -Thank you for listening!-

KSN Podcast
Documenting the Deal: Buying, Selling, and Refinancing in a Community Association

KSN Podcast

Play Episode Listen Later Jul 20, 2022 20:01


KSN attorney Omar Malik discusses the different types of documents associated in buying, selling, or refinancing a home or unit in a condominium, homeowner, or townhome community association. Omar reviews closing requirements, disclosures, paid assessment letters, lender questionnaires, and more. The KSN Podcast examines various aspects of association law, landlord/tenant issues, property tax appeals, and more. In each episode, KSN attorneys share their experience and knowledge as they discuss legal updates, best practices, industry trends, and more. KSN Podcast episodes are available at www.ksnlaw.com/podcast. Since 1983, KSN has been a legal resource for condominium, homeowner, and townhome associations. Additionally, we represent clients in real estate transactions, collections, landlord/tenant issues, and property tax appeals. We have multiple office locations, serving hundreds of clients and thousands of communities throughout Illinois, Indiana, and Wisconsin. For more info about our law firm and legal services, please visit www.ksnlaw.com Please note the material contained on the KSN Podcast is for informational purposes only and does not constitute legal advice. No attorney-client relationship is established by your review or receipt of the information contained on the KSN Podcast. You should not act on the information discussed on the KSN Podcast without first obtaining legal advice from an attorney duly licensed to practice law in your State. While KSN has made every effort to include up-to-date information on The KSN podcast, the law can change quickly. Accordingly, please understand that information discussed on the podcast may not yet reflect the most recent legal developments. Material is not guaranteed to be correct, complete, or up to date. KSN reserves the right to revise or update the information and statements of law discussed on the podcast at any time, without notice, and disclaims any liability for your use of information or statements of law discussed on the podcast, or the performance of the podcast generally. The KSN Podcast may be considered advertising in some jurisdictions under applicable law/s and/or ethical rules/regulations.

Land Academy Show
2022-2023 Real Estate Market and What it Means for Land Investing (LA 1810)

Land Academy Show

Play Episode Listen Later Jul 20, 2022 13:29


2022-2023 Real Estate Market and What it Means for Land Investing (LA 1810) Transcript: Steven Jack Butala: Steve and Jill here. Jill DeWit: Howdy. Steven Jack Butala: Welcome to the Land Academy Show, Entertaining Land Investment talk. I'm Steven Jack Butala. Jill DeWit: And I'm Jill DeWit broadcasting from sunny Southern California. Steven Jack Butala: Today. I'm going to talk about, and Jill's probably going to listen the 2022 and 23 real estate market and what it means for land investors like us. Jill DeWit: Hilarious. Steven Jack Butala: Here's a hint. It's awesome. Jill DeWit: I'm excited. Steven Jack Butala: Interest rates are going up. Jill DeWit: I hope you're going to let me share. Am I going to get to talk today? Okay. Steven Jack Butala: God, when do you not talk? Jill DeWit: Am I just going to be someone on your arm again? Steven Jack Butala: Oh geez. Yeah. Yep. My trophy partner, Jill. Jill DeWit: Yeah, that's right. Hey, watch it buddy. Steven Jack Butala: Before we get into it, let's take a question posted by one of our members on the landinvestors.com online community, it's free and please make sure you check us out on discord, if you're a member. If you need help outsourcing your mail operation, meaning you know, your blind offer campaigns. Check us out at offers 2 owners, offers the number two owners.com and click around for product we released called concierge data. It allows people who are brand new to help... We'll help you get that first mailer out or if you've been sending 50, 80,000 mailers out a month, like we do sometimes allows you to outsource it there. It's a great product. It's getting used widely to the point where we had to shut its down recently, because we couldn't fill the orders. So by the time this airs, it should be back open or if not very soon after that. Jill DeWit: Sweet. Steven Jack Butala: Staffing. Jill DeWit: Erin wrote, "Is there a reliable way to check out whether a subdivision has an HOA with covenants?" I've never known HOA that didn't have some covenants, but there we go. Anyway. "Sometimes it is easy when they have a website. Are they recorded? For the lot I'm looking at now in a new area, I pulled the recorded plot, but all I could find related to the, is a subdivision name." There we go. "So far I see no evidence of an HOA, but it isn't a big subdivision. So what do I do?" Steven Jack Butala: This comes up. May I? Jill DeWit: Okay. Steven Jack Butala: No, go ahead. Jill DeWit: No, that's fine. No, no go ahead. Steven Jack Butala: What do you do? Jill DeWit: So here's what I do. This does come up because you're not sure. Usually if there's a name like Shady Acres. All right. Shady Acres lot 23. All right. I might need to look into that just to make sure versus just the legal description and no thing like that, like lot, block, unit kind of thing. Even those could be, but usually you'll have a little indication. It's something you always want to check no matter what anyway. So how I check is there's three ways. I do my own Google digging. My Google search for Shady Acres HOA, POA, homeowner association, property owner association. See if everything pops up. Okay. Nothing there. Okay, good. This is good news. Then I go to phase two, which is... This takes a few minutes by the way. Phase two is I'm going to go out and look for property for sale or sold in that area and see if there was an HOA like, "Oh look, here's a property in the same subdivision that sold 18 months ago," I'm going to be looking at the comp anyway, cause I'm checking it out and then I'm going to go through the description and see, "Oh look, it was an agent." And I'll look through and see, is there an HOA or POA the box? There's some information in there. Often that's where I find it, by the way is doing a little recon to somebody else's posting and then I've got it like, "Okay, noted. There it is." And then the third one, it's always an easy one too.

KSN Podcast
Four Ways Inflation Can Impact Your Community Association

KSN Podcast

Play Episode Listen Later Jul 18, 2022 8:10


KSN Attorney David Savitt reviews four way inflation can have an impact on your community association. He discusses assessments and budgets, reserve funds, short-term rentals, and more.  The KSN Podcast examines various aspects of association law, landlord/tenant issues, property tax appeals, and more. In each episode, KSN attorneys share their experience and knowledge as they discuss legal updates, best practices, industry trends, and more. KSN Podcast episodes are available at www.ksnlaw.com/podcast. Since 1983, KSN has been a legal resource for condominium, homeowner, and townhome associations. Additionally, we represent clients in real estate transactions, collections, landlord/tenant issues, and property tax appeals. We have multiple office locations, serving hundreds of clients and thousands of communities throughout Illinois, Indiana, and Wisconsin. For more info about our law firm and legal services, please visit www.ksnlaw.com Please note the material contained on the KSN Podcast is for informational purposes only and does not constitute legal advice. No attorney-client relationship is established by your review or receipt of the information contained on the KSN Podcast. You should not act on the information discussed on the KSN Podcast without first obtaining legal advice from an attorney duly licensed to practice law in your State. While KSN has made every effort to include up-to-date information on The KSN podcast, the law can change quickly. Accordingly, please understand that information discussed on the podcast may not yet reflect the most recent legal developments. Material is not guaranteed to be correct, complete, or up to date. KSN reserves the right to revise or update the information and statements of law discussed on the podcast at any time, without notice, and disclaims any liability for your use of information or statements of law discussed on the podcast, or the performance of the podcast generally. The KSN Podcast may be considered advertising in some jurisdictions under applicable law/s and/or ethical rules/regulations.

FLIGHT 785 Podcast
Cheating And Fighting On A Cruise Ship, Fighting With The HOA

FLIGHT 785 Podcast

Play Episode Listen Later Jul 17, 2022 38:01


FLIGHT 785 is back chatting passengers on a cruise ship fighting and cheating and HOA issues. Pull up a chair, and feel the vibe. Give us a 5 star review on Apple Podcasts or on whatever platform you listen on. Follow us on Instagram, Snapchat, Twitter, or Clubhouse. The handle is: @flight785. Or, send us an email:  flight785podcast@gmail.com "Flight 785 Podcast, I don't talk about aviation, but I'm still fly!"    

STO Nation
59. Happy Hour #3

STO Nation

Play Episode Listen Later Jul 14, 2022 81:46


On this episode you'll get to meet https://www.instagram.com/christophermirabile/ (Christopher) & https://www.instagram.com/stobeast105/ (Liz Mirabile), https://l.facebook.com/l.php?u=https%3A%2F%2FInstagram.com%2Fdrmatusi%3Ffbclid%3DIwAR3AWwkrr_TgWcxooELSeHcDxWLvzW8mptUS6xnSml-kktOxAje3nDQ58I4&h=AT1_kP_ArsrxhL3-Y6D2kVhrW9aE2sxlLiptjgc98fJgw3zqnl6-0INtg7pI5JJxkHnJFnOWflwOvLe6TqaUv_OWGtFQXz_CbNX8V96J8zBahme-9tmHq2RekrDxenQHydUcq9myq90 (David Matusiak), and https://twitter.com/louisbink (Steve Binkley). The 5x of us talked about a bunch of topics such as upgrades, dealing w/ a HOA that doesn't allow “RVs”, dealing w/ higher fuel prices, and so much more! Time Stamps: 0:00:00 - Start 0:00:32 - Please Support STO Nation By… 0:00:58 - Main Intro of Episode 0:08:15 - Best Selling MODE 0:10:21 - Dealing w/ HOAs and the Van 0:11:17 - Changing Stealth's Wheels & Tires 0:12:39 - Why You Want Smaller Rims, Bigger Tires 0:13:04 - Frustration w/ the Stock Beast MODE Bumper 0:15:22 - Visting National Parks 0:16:26 - Caravan up to AK 0:18:10 - Dealing w/ High Fuel Prices 0:20:27 - Debating On Getting S&B Extended Fuel Tank 0:22:19 - ECU Tuning - Pros/Cons 0:25:15 - Figuring Out the Cohabiting Situation ii the Van on Long Trips 0:26:17 - Dirty Talk - How Everyone Uses/Shares the Toilet 0:31:09 - Why David Chose a STO Over Other Class B RVs 0:33:58 - Why Steve Decided to Buy A STO 0:35:12 - Why Christopher & Liz Did NOT Buy A Revel 0:39:28 - Group Thoughts When Buying Van, Then Waiting 12-14 Don't forget to check out and subscribe to STO Nation's https://www.stonation.life/ (website), https://www.youtube.com/channel/UC4SgWAjtiCl1UoJjWqMM-TA (YouTube )channel, https://www.instagram.com/stonation.life/ (Instagram), and help contribute to our https://www.patreon.com/sto_nation (Patreon page)! A special thanks to our sponsors: https://voltapowersystems.com/ (Volta Power Systems) https://kermavans.com/ (Kerma Vans) https://www.lamesarv.com/ (La Mesa RV) https://canyonadventurevans.com/ (Canyon Adventure Vans) STO Nation Production Credits: Audio Engineer: https://www.instagram.com/go_that_a_way (Stephen Grasso) Marketing Director: https://www.instagram.com/ggolsong (Guillaume Golsong) Original Music and Artist: https://www.instagram.com/theracontourists (Jason Walsmith) and The Nadas Sound Designer: https://www.instagram.com/b2modefamily (Lorenzo Interiano) Web Designer Extraordinaire: https://www.instagram.com/spikeehair/ (Peng Shi)

Video Game Hangover
VGH #549: Something Happening in the Woods

Video Game Hangover

Play Episode Listen Later Jul 14, 2022 66:22


D.J. goes in search of elusive space vampires in Nova Drift. Randy catches up with God of War, then puts on his platforming hat in Hoa. Plus: We uncover the real reason why it takes so long to get a Steam Deck. Episode Timeline (0:00) - Intro (08:23) - Monster Hunter Rise: Sunbreak (15:55) - God of War (30:36) - Nova Drift (48:50) - Hoa (1:02:47) - Outro

City Cast Las Vegas
Hey Hey, Ho Ho, Your Ornamental Grass Has Got to Go

City Cast Las Vegas

Play Episode Listen Later Jul 13, 2022 20:29


You may have noticed a few changes around town: Slowly but surely, patches of grass in medians, under street signs, and in between buildings are being replaced with desert landscaping. That's thanks to a bill, AB356, that was passed last year in response to our ever-worsening drought — landscaping is the Valley's biggest water guzzler. AB356 cuts back “nonfunctional turf” on business properties, like your local McDonald's and perhaps your very own HOA. Today, JC Davis from the Southern Nevada Water Authority breaks down what exactly AB356 mandates, what “nonfunctional turf” means, and why it's so important right now. Got thoughts on our water use or grassy medians? Hit us up on Twitter @CityCastVegas or leave us a voicemail or a text at 702-514-0719. And for even more Vegas news, events, and goings-on about town, make sure to sign up for our excellent morning newsletter at lasvegas.citycast.fm/newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Star-Telegram Headlines
Fort Worth Star-Telegram daily briefing — Tuesday, July 12, 2022

Star-Telegram Headlines

Play Episode Listen Later Jul 12, 2022 2:35


The top headlines from the Fort Worth Star-Telegram on Tuesday, July 12, 2022, including: HOA sues couple over feeding the ducks in Texas and the lawsuit is seeking up to $250,000; Texas' biggest tax-free weekend is approaching; and finally, a radio engineer for Dallas Cowboys, Texas Rangers dead at 56.

SBS Vietnamese - SBS Việt ngữ
Khai trương thư viện sách tiếng Hoa lớn nhất ở Nam Bán Cầu tại Ballarat

SBS Vietnamese - SBS Việt ngữ

Play Episode Listen Later Jul 12, 2022 3:44


Cộng đồng người Hoa hiện chuẩn bị khai trương một thư viện và trung tâm văn hóa tại Ballarat, cách Melbourne hơn 100 km về phía tây. Thư viện nầy là một trong những nơi lưu giữ một trong những bộ sưu tập sách Trung Quốc lớn nhất ở Nam Bán Cầu và tạo cơ hội để làm nổi bật sự đóng góp của người Úc gốc Hoa cho đất nước này. 

The Tom and Curley Show
Hour Two: Twitter vs Musk - The Saga Continues

The Tom and Curley Show

Play Episode Listen Later Jul 12, 2022 32:20


4chan users claim to have cracked Hunter Biden's iPhone account//At 79, Biden Is Testing the Boundaries of Age and the Presidency//Elon Musk responds with laughing meme to Twitter lawsuit over broken buyout//CNBC's David Faber Predicts Elon Musk Could Go to Jail for Bailing on Twitter Purchase//A couple fed nearby ducks. Now, their HOA is threatening to foreclose. See omnystudio.com/listener for privacy information.

Eric Chase
Podcast About Not Podcasting

Eric Chase

Play Episode Listen Later Jul 12, 2022 20:54


The Ability Center's initiative, and new podcast are live! Oh no, is it too small!? Kengo-nation expands, to this casino this time. Cosmic Zillow. I'm in some modest HOA drama. Maybe Cheese Born With It is in the Great Food Truck Race semifinals. A very interesting BG pet show is tomorrow. Imagine a new show taking you back to the best version of where that show came from.

Comedy Food Truck
Episode 135 - The Neighbor Favor and the Trainwreck

Comedy Food Truck

Play Episode Listen Later Jul 12, 2022 41:14


Scott was told by the HOA that he needs his nightmare neighbor's permission to throw a party at his house. So we call the neighbor live on the air to hash it out. We also talk inventions and the show is thrown into a spiral because of some wild technical malfunctions.

O'Connor & Company
07.12.22: [Hour 4 / 8 AM]: Goucher's Mileah Kromer, Masking at Summer Camps, ABC7's Kevin Lewis, Critter News

O'Connor & Company

Play Episode Listen Later Jul 12, 2022 28:06


In the fourth hour of the morning show, Andrew Langer and Julie Gunlock talked to Goucher College's Mileah Kromer about the upcoming Maryland primary and ABC7's Kevin Lewis about MoCo church fires. They also discussed summer camps bringing back masking OUTDOORS and critter news about an HOA full of Karens trying to punish a mourning woman who liked to feed the neighborhood ducks. For more coverage on the issues that matter to you, visit www.WMAL.com, download the WMAL app or tune in live on WMAL-FM 105.9 FM from 5-9 AM ET. To join the conversation, check us out on Twitter: @WMALDC, @LarryOConnor, @Jgunlock,and @patrickpinkfile. See omnystudio.com/listener for privacy information.

The Jimmy Barrett Show
An HOA Story

The Jimmy Barrett Show

Play Episode Listen Later Jul 12, 2022 37:29


Today on the Jimmy Barrett Show: Jimmy discusses an excessive HOA fine for feeding ducks The media's approval rating is at an all time low Cliff Freeman on the current real estate market

Backbone Radio with Matt Dunn
Backbone Radio with Matt Dunn - July 10, 2022 - HR 1

Backbone Radio with Matt Dunn

Play Episode Listen Later Jul 11, 2022 38:42


Opening Monologues. Big no thanks to the "Liberal World Order" of BlackRock Brian Deese. Freakish, hostile Global Elites. Now playing around with the world's food supply? Biden sends oil from our Strategic Petroleum Reserve to China. Meanwhile, somber notes on the assassination of the remarkable Shinzo Abe in Japan. Foe of the globalists, friend of Trump. Ugly MSM calls Abe "divisive" and "controversial" in the aftermath. Plus, our great on-air visit with radio colleague Randy Corporon. Colorado soon to get redder? Notes on HOA politics. Wisconsin Supreme Court bans ballot drop boxes. Commentary on Pelosi's Eyebrows. Host close encounter with a Moose. Family Mountain Vignettes. Thor 4. Happy Birthday to Ronnie James Dio. The Best Swim Meet DJ. With Listener Calls. See omnystudio.com/listener for privacy information.

The Anna & Raven Show
Monday July 11th: That Time The Cops Showed Up; Worst First Date; Jellyfish Stings

The Anna & Raven Show

Play Episode Listen Later Jul 11, 2022 43:18


Are you up to date on this week's biggest news stories?  Anna and Raven will get you up to date on what's trending, including the nefarious reason an HOA is kicking an old lady out of her house!  (:30) Craft beers are nice, but if you've dedicated your entire life to find new ways to describe hops, that's all I need to know about you!  (4:19) Is there such a thing as a peaceful road trip with a teenager and toddler?  Anna's weekend road trip was a great example of how the journey is not always better than the destination!  (7:26) Have you ever been stung by a jellyfish?  It happened to Anna's daughter over the weekend, but even worse than the sting was the way that every guy on the boat wanted to help! (10:11) Have the cops ever showed up at your house?  It's not always necessarily a bad thing.  One caller actually had a chance to be a hero and stop a murderer!  (13:49) First dates can be tough and picking the wrong location can be a dealbreaker!  So Anna was surprised when Producer Jon mentioned that he brought a first date to work with him!  (24:59) Vanessa rents the basement apartment in her brother, Mark's, home. Lately Mark and his wife have been leaving their children home with Vanessa A LOT. Vanessa says it's rude to assume that just because she's home, she can watch her niece and nephew. She thinks they should give her a reduction in rent if she's also babysitting but Mark argues that she already has a great rental rate and that's just what aunts do, help watch the kids! What do you think?  (31:48) Jen has got a shot at $1000!  All she has to do is beat Raven in pop culture trivia!  (40:27)

Market Proof Marketing: New Home Builder Marketing Insights
Ep 224: Create Content People Want To Steal

Market Proof Marketing: New Home Builder Marketing Insights

Play Episode Listen Later Jul 7, 2022 39:56


Market Proof Marketing · Create Content People Want To Steal Andrew Peek, Julie Jarnagin, and Becca Thomas discuss how to review yourself and your company as we hit the halfway point of the year, understanding google's new PMax campaigns, why you should always aim to create stealable content, and Kevin sneaks into the podcast to discuss when to worry about standing inventory homes. Story Time (3:35)Becca shares the story of selling her home in one weekend and how a simple customer service issue turned into a headache due to internal company processes. Andrew discusses the problems with HOA-hired landscapers when they damage a water line.Julie explains why now is the best time to analyze your personal and professional goals as we head into the second half of the year. Supporting PartnerThe Market Proof Marketing Podcast is brought to you in partnership with Opendoor. Opendoor partners with homebuilders across the country in over 2,000 sales offices and has helped help generate more than $4 billion in new construction home sales. Visit Opendoor.com/doyouconvert to learn more about how you can partner with Opendoor. We Answer “Frequently Asked Questions” from Home Builder Marketers (17:30)New Firefox privacy feature strips URLs of tracking parameters (www.bleepingcomputer.com)What are Identical Keywords and why they matter for Google Ads (https://searchengineland.com) 'EVERYBODY'S-A-WINNER' ERA IN BUILD-TO-RENT GETS A STRESS TEST (www.thebuildersdaily.com)Why is my Instagram black? What dark mode does to your background after latest update and how to change it (https://inews.co.uk/)Slate blue, black front doors can sell homes for as much as $6,449 more (zillow.mediaroom.com)Questions? Comments? Email show@doyouconvert.com or call 404-369-2595 and we'll address them on the next episode. More insights, discussions, and opportunities in the Market Proof Marketing Facebook group.Subscribe on iTunes > https://now.doyouconvert.com/mpm-itunesFollow on Spotify > https://now.doyouconvert.com/mpm-spotifyListen On Stitcher > https://now.doyouconvert.com/mpm-stitcherA weekly new home marketing podcast for home builders and developers. Each week Kevin Oakley, Andrew Peek, Jackie Lipinski, Julie Jarnagin, and other team members from Do You Convert will break down the headlines, share best practices and stories from the front line, and perform a deep dive on a relevant marketing topic. We're here to help you – not to sell you!Opendoor is a supporting partner of the Market Proof Marketing Podcast. Visit Opendoor.com/doyouconvert to learn more about how you can partner with Opendoor. Offer eligibility varies. Opendoor is represented by Opendoor Brokerage Inc., License 02061130, in California and Opendoor Brokerage LLC in its other markets. The post Ep 224: Create Content People Want To Steal appeared first on Online Sales and Marketing for Home Builders - DYC.

Miami Real Estate Podcast
Alicia Cervera Lamadrid — Spotlight: State of the Miami Market 2022

Miami Real Estate Podcast

Play Episode Listen Later Jul 6, 2022 32:04


Alicia Cervera Lamadrid is the managing partner of Cervera Real Estate, one of the largest and oldest independently owned brokerage firms in Miami. She is a seven-time South Florida Business Journal "Power Leader in Real Estate," Master Broker's Forum Legacy Award Member, and named "Woman of the City" by Miami Mayor Francis Suarez.  In this episode, Alicia talks about embracing "weird" as we address the state of the Miami real estate market.  Pre-covid, the Miami real estate industry was on a steady incline; during covid the market experienced a boom, and now almost post-covid, Miami has awoken and become a disrupter on the world's radar. You heard Alicia's predictions first in episode 50, What COVID-19 Means for Miami Real Estate. Now more than ever, our Magic City is finally receiving the recognition it truly deserves. Touching on #WhyMiami, Miami reset, inflation, mass transit, condo HOA regulations, and much more. Join us on this discussion of Alicia's hot takes on Miami's current state and where she projects it be.

The Carpool with Kelly and Lizz
PICK-A-PRINCE

The Carpool with Kelly and Lizz

Play Episode Listen Later Jul 5, 2022 33:49 Very Popular


This week Kelly and Lizz are spying on a couple of grant-seeking scientists…aka they're loving the cheesy love story inside of this month's book club book The Love Hypothesis by Ali Hazelwood.  On the docket today is a millennial phrase of the day — “It's not that deep” — as well as a hysterical great eight, decent industry news, and a ditch the drive through coming to you from a TCP listener in Ohio.  Quick note from Kelly and Lizz: For July and August we'll be publishing one episode per week. In September we'll get back to two episodes per week.  Lizz did her first ad on Instagram and is taking the slow burn growth of her following day by day. She's happy to stay behind the camera for tours and content creation, though, since Kelly is, in Lizz's words, atrocious at holding the camera.  In the Tik Tok inspired great eight this week Kelly and Lizz decide which Disney princes would survive the Hunger Games. Featured are princes and male love interests from The Little Mermaid, Mulan, Tangled, Aladdin, Beauty and the Beast, Frozen, Princess and the Frog, and Sleeping Beauty. Who do the gals think can fight AND survive? In industry news, hopefully we've turned a corner and aren't just headed downhill as demand numbers are slowing down a little bit. Interest rates and prices are up, some dealerships are trying to survive without much new car inventory, and companies like CarMax are seeing a decline in retail sales. Kia and Hyundai cars between 2011-2015 are being stolen everywhere after viral videos have shown how to start these cars without a key and Ford announced this week they're no longer going to be allowing buyouts of their EV leases. The gals speculate why Ford is following Tesla's lead.  To round out the episode Kelly and Lizz rant about Subdivisions, HOA's, toxic neighborhood Facebook groups, and dudes on hoverboards selling bug spray at dinner time. Speaking of dinner time, this week's ditch the drive through is a delicious and quick throw-it-together meal that is a whole-family favorite at Kylie's home in Ohio. To share your ditch the drive through recipe with us call (959) CAR-POOL and leave us a message! Want our ADVICE on your car hopes, dreams, fears and what you're looking for? Shoot us an email for a chance to get your questions featured on the show at hello@thecarmomofficial.com Follow the Carpool Podcast on IG Follow Kelly on IG Follow Lizz on IG Visit thecarmomofficial.com

Real Estate Marketing Dude
The Recession Proof Business Model with Ryan Kelly and David Casey

Real Estate Marketing Dude

Play Episode Listen Later Jul 2, 2022 47:26 Very Popular


There is a recession coming and what are we going to do? For the last seven years I've been telling you about the only recession proof business model. The only recession proof business model in real estate is your database, because people are still going to move. Ryan Kelly and David Casey help realtors all over the country build their brand and better reach their database. Be sure to check their websites out.Three Things You'll Learn in This EpisodeHow to prepare for the recessionHow important is your database?How to build your brandResourcesLearn more about Ryan KellyLearn more about David CaseyReal Estate Marketing DudeThe Listing Advocate (Earn more listings!)REMD on YouTubeREMD on InstagramTranscript:So how do you attract new business? You constantly don't have to chase it. Hi, I'm Mike Cuevas a real estate marketing. This podcast is all about building a strong personal brand people have come to know, like trust and most importantly, refer. But remember, it is not their job to remember what you do for a living. It's your job to remind them. Let's get startedWhat's up ladies and gentlemen, welcome another episode of the real estate marketing dude, podcast. What we're up to today, folks is holy shit, there is a recession coming holy shift. Well, things are happening. What are we going to do? You guys have been listening to the show. For the last seven years, I've been telling you about the only recession proof business model, the problem has been like if you guys have been listening in and taking my advice or not. And I told you the only recession proof business model in real estate is your database, because people are still going to move. And unfortunately, we've been spoiled over the last two years, because let's be honest, this business was very, very, very, very, very easy. But it's about to get real. And it's about to get hard and the only recession proof business model, when shifts happen. This is my third one, guys, I've done this for 20 fucking years, listen to what I'm telling you, okay, is your database they will feed you all the time, the problem about 80% of the population is going to have right now and the real estate agent communities and none of them market their database, quite frankly, most of their database even though they are and now you're going to be struggling because you never took the time to build that database or nurture it effectively because you've been converting so many damn Zillow leads. Instead of building a brand people know like and trust. So what we're doing today is we brought on two gentlemen, on the KC market, these guys are broker owners, they base their entire brokerage just on referral generation. And there's two different ways we can attract business or generate business either we chase it in prospecting, which is where about 10% of business comes from, or we could attract it, and generate it and manufacture it. And that comes from the people you already know like and trust or know like and trust you. So they built all that brokerage around database marketing, referral marketing, I thought it'd be a really good episode because this is the recession proof business model folks, what's gonna happen in the next six months depending on your market is that some people are gonna lose their jobs the recession is coming in that means people are lose jobs, and someone's gonna need to have a problem for them. They're going to result to the first person they come into contact with. Most times, it's someone they know if it's you or not, I don't know. But what also is going to happen is the cost of living is going through the roof. The affordability in California just came out yesterday 17% index, that's insane. That's why everyone's getting the hell out of here. So we have a lot of things in the economy that are going to happen and people are going to need help. And I'm not saying doom and gloom because shifts are when you big is when you build your brand and make the most amount of money. If you niche down the only niche that I'm telling everyone to do is their database. So without further ado, let's go ahead and and welcome our guests Mr. David Casey and Ryan Kelly, with Casey first real estate out of Kansas City what's let's go prepare, prepareown. That introduction man 17% inflation in California isa 17% consumer affordability index. It's the lowest it's ever been in, in the history of the state meaning that only 17% I believe how its rise only 70% of people can actually afford to live here.She gotta get out of there man. I mean, anybody living in California that's toughcome to Kansas City.It's so tough to Kansas City Can I just Kansas City have palm trees? Was Kansas City have a beach in Santa can ride my bike to you gotta bring your own? If so,we got oceanfront property in Kansas City.Yes, just a murky lake that's what it isthe inside of your garage in the back walls painted and there's a big ocean there and you guys drink beers and stare atit all day. Oh, exactly. But if you love sports, partying and barbecue that's us.Yeah, Midwest I like it. Yeah guys love whatyou said earlier about the recession proof with marketing your database video content is definitely where it's at. We that's how we built our brand really off of just past clients referrals and all that other stuff. I remember the first time I was targeted to your Facebook ad Mike and generating leads from your referrals in your Soi. That's when I connected with Mike but man it's been it's been life changing just marketing straight to your database your sphere of influence past clients hell I couldn't I couldn't get a sphere of influence person to use me for nothing until I started using video content and marketing to those people.Just because I started thinking you were somebody that's what happens and everything right um so you guys don't have brokerage in Kansas City. And I don't even know if I just introduce you as David Casey Ryan Kelly. You guys are the broker owners in Kansas City and you guys have how many agents now? We're approaching80 agents okay and agents toyour guyses unique selling proposition that you attract your agents within you guys attract everyone you're not like buying agent leads, you know like knocking on their doors are you people are just showing up. You're attracting them? Yes. What you attracted Business when you're in production. So you guys base your whole market on database marketing. So I like it. And that's basically that your thing, right? It is absolutely, yeah,no, it's very correct. I think too. It's, you know, a lot of new agents, when they get in this industry, they don't really know where to start. And for us, I like we grew up together. So we have a good chemistry, at least we can almost finish each other sentences most of the time. And, like growing up, we were kind of the partiers in high school. So that always was our big thing. Yeah. I mean, you always do on like, a Friday or Saturday night, you come over to my house, and it's gonna be poppin. Andsneak the bears in the basement, they'll tell mom, Oh, it's right through the window. Well,Zach, uh huh, and so on. So, you know, like we, we drifted apart after high school, I went military, he went to college and worked at a Ford plant. And then when we came back together and merged as a team in Kansas City, we lean right back on events. I mean, it's, it's so underutilized in this industry is like, I would summarize it as like any event based strategy to grow your business. And I just want to reduce the friction between the consumer and myself as a professional and how I can service them. And what better way to break the boundaries is come to my party, have some drinks, and let's talk shop. I mean, make it very casual and easy. So we built a whole model around that.And you guys did how many? When you guys were in production? How many events were you doing? A year,for sure, monthly seminars.They could have been live video on Facebook, they could have been in person, you know, we did a little bit of transitioning there during COVID. Butwe always had something like so we advertise you do weekly open houses, that's an event if you do it, right, monthly seminars. And then you do quarterly events for the clients and those events like we leveraged on the Ford plant, because Ryan, he worked there for a while it's a Union deal. So everybody's pretty tight knit. We want to crack the code on how do we, you know, get embedded in that community and capture most of the business that's occurring?Should you not our first year, we were able to extract 1% at a 7500 people that work there, we literally sold 75 of them a home. So a stop of marketing to the database.Yeah, when you're, let's define marketing to the database, because most people in agents are gonna be like, hey, well, I need to fucking talk about real estate, like interest rates and all that, like, what's the content? You guys are talking about? What what is marketing? My database? Me?Yeah, if we got really tactical, Ryan jumped on that group, he friended everybody he could. So yeah,they had their special k cap page went to the members added everybody on Facebook. Now I have once they haven't been back, I was able to push out that video content and buy them to the events. And yeah, it was awesome.Well, then also what you can do as well, when they accept your friend request, you can ask them to like your personal Facebook page or your professional, and then run boosted posts to friends and friends of friends. So we get some static billboard style ads, we put like a couple of bucks a day behind it. And just we just knew when they were scrolling through Facebook or Instagram, they'd see our faces popping up for home buying journey here home selling, and that we didn't expect anybody to click on that or reach out to us because of that, but we want to just do ingrain in their in their head that we are real estate in Kansas City. And so now when we invite him to things, I mean, it's just It's butter on toast,low pressure. Come on sell me.I think the problem that everybody has is they don't know how to carry on a conversation without talking about work, when the purpose of carrying out has everything to do with it work. I mean, and it's like, like I would be like like if you just use this example to show but it's like if you like don't talk to your significant other like you're in good divorce like it just what happens, you know, like, well, if you don't talk with your database, they're gonna divorce you too and they're gonna cheat on you with another realtor. So you can't not talk to him but how you talk to him is extremely important too because you can't just always be selling your shit like look I get your in real estate guys like shut the fuck up. I don't care about interest rates right that's what people will say and that's why no one wants to read your interest rate or your market update emails that's crap content market updates. i There's a place for I'm sure. But is that something that's going to really like make your database like you're gonna get a lot of engagement on that stuff? No, because we just have to nurture and just remind that's well good you guys are so let's look at their marketing plans. Let's take dive deep on this. I'm guessing this is what you guys are teaching tell me if I'm right or not. But yeah, weekly open houses when they're at the open house, they're doing a live they're doing stories are doing pictures, they're sharing all that shit and reminding their networks and all their channels that there's an open house. They're probably circle prospecting in the whole neighborhood notifying all them there's an open house because your goal is to have them have a couple of conversations a day. The second part as they're doing these monthly seminars, so there's the authority, hey, we're doing monthly seminar. It's not if they show up, who cares if someone shows up. The fact that you're doing a seminar already tells me you're an expert, otherwise you wouldn't be doing a seminar. Correct. Paul Ryan, do you know how to cook?I gotta watch something. But yeah, absolutely. You do know how to cook. I can cook straight in thehamburger fryer.You know how to play croquet? I do not. Okay, so if you got on and started playing croquet for five videos in a row, I guarantee you everyone thinks you're a fucking professional croquet player. Oh,very true percent.That's how you know, I'll tell you this right now, Mike. Whenever Ryan first got in real estate, I said, bro, I promise you two weeks of posting videos every single day, you will become the real estate guy in your market. And this was back in 2017. Because I was doing that in Phoenix, Arizona. I had all my friends in Kansas City hitting me up saying can you sell my house my buddies out? I was in military with him in Alaska, Bro, can you help me out all because I was posting videos every day. And then he did it. And it literally like, overnight.So we're chasing attention. You know, when I first realized Facebook was like a big lead source. It's 2011. And we're crushing short sales at a time this is like Facebook was still a lot of tax video wasn't on it yet. But I remember I was did an event in Scottsdale and it like 200 people in the room. And the night before the event. I just did this as a test. Like I said something about short sales. And at that time in the market 33 or 32% of the market was underwater nationwide. Wow. So it was literally one in three people own a house. Fuck I needed your help. That's why we dominated no one else knew how to do it. We're the only shop in town. And I realized like holy crap, everyone here live somewhere. Everyone here is moving. It's just a numbers game. You guys, let's break down the numbers on the gurus. The gurus tell me when I pick up the phone and cold call whatever guru you're listening to. The Guru is going to say, Hey, you're one more know from your next Yes, pick up that phone and call how many of your agents can actually pick up a phone and call because that's how it still works? It's the problem is that no one has the balls to do it. And no one wants to do it. RightMike work works. And people they're just afraid to do the work. I mean, if you just lean back on the tried and true method, you will get a piece of business from it. Now are you being as tactical as you could be? Maybe not. But I mean, just grabbing the hammer and swinging, you're gonna get something? Yeah, for sure.That's what prospecting is, it's the grind, but no one ever last because they burn out. Right? No one wants to rejection. But when we're talking about marketing or brand, it's really the same thing. Because that's a mathematical formula, right? You throw enough shit at the wall, eventually, you got to figure out what the ROI is. And then you know what your numbers are? Well, let's share the ROI with marketing your database, folks, because it is also mathematical. The number one reason I believe people don't market their database is because they don't know how to attach an ROI to it. And therefore they never measure the effectiveness of the content they're creating.We are huge on numbers and p&l is and you're 100% right? When we start started doing that accounting, we look back on what actually work, we're spending, you know, 1000s of dollars. And it was like a sphere of influence. It's for employees, it's our events. It's our Facebook content. It's our buyer seminars, it wasn't postcards, $1,500 on billboards and Zillow and all that other stuff. That's the ego stuff. I had clients coming in knocking on the door saying just lists me, why the hell am I gonna take that Zillow phone call? Yeah, that's how I got sowhy is it that we feel like we're accomplishing some just because we're buying leads, even though we're not following up with them.It's that instant gratification.It's crazy. You feel like that's what you should do.I think that's where it really comes down to.I can't tell you how many people I've seen even people that we've worked with. I won't name any names, but I have someone that we are working with. And we only shot one video like Oh, then they saw another shiny object and then they went to go buy a bunch of leads. I can guarantee you you're getting your ass kicked right now. Because the time that that happened, and I'm not like talking shit, I'm just being honest. Like, you're gonna go and you cannot. When a market shifts like this, the numbers all change. So what's going to happen? My guess is there's a shitload of teams getting their ass kicked this month, and next month, the ones that are spending 2030 40k a month on lead gen because what happened is, is that the market has changed. Everyone's your ROI has changed, because you cannot rely on those exact numbers still, because the virus isn't sentiment change. So if you're converting at 20% in the previous market, you're not doing that anymore, because the sentiment has changed. Therefore, you cannot rely on ROI for direct cold marketing in a shift like this. The ROI for warm referral marketing is very simple guys. 10 to 15% of your people move this year 10 to 15% of the people on your Facebook feed your IG feed your LinkedIn followers, your email list, your direct mail 10 to 15% of people that you walk across in the grocery store. 10 to 15% of the kids parents are the shockers game so your kids soccer games, at the gym that you walk through that you drive by. That's the number the business has always been right in front of us. Most don't know it yet. And this recession there's gonna be a lot of people gonna have to move they don't know yet. Trust me. So really,if you've got 1000 folks that know you like you and trust you, I mean you're converting 100 to 150 people.Well, you're not converting them. Yeah, because most of them don't know what you do yet until they do. Yeah, which is why you create content. You know, there's somepeople though that's there's 100to 150 opportunities in there. Yeah.And when you do, what's the the numbers? I, I've been told this for a long time you get 2000 people in your database, you should have a million dollar business if yes, nurtured effectively,if they all know what you do correct, because those are the numbers now, here. And here's the other half, though. But in most people when they market their database, they do it for their direct business. No. Because 100% of the 1000 people you just mentioned, have a referral for you. Yeah, because everybody knows someone who's moving this year, actually. So when you chase referrals, you naturally attract direct. Right? It's when you chase sales, you don't attract anyone, because everyone knows you're just on a soapbox selling your shit.Exactly. Yeah. And you know, that's why we were so heavy on events, because you get so tired of sending that same message out of, hey, I'm in real estate, do you need to buy a house? Do you need to sell your house? I mean, go through your Facebook message thread and see how many times you sent that to the same person. They keep ignoring it. Yeah, they turtle at that point, people actuallydo that, like people actually Facebook Messenger and just cold call people, hey, you need to buy out like you guys are doing that. Don't ever do that again,you know, don't ever do that. And that's why like, I want that random coffee shop interaction where I find somebody who I maybe went to high school with or a past client or a friend of a friend. And they say, Oh, hey, what's going on? And then it casually comes up that maybe they're looking to buy a house. And instead of me jumping straight into sales mode of talk to my lender, which I could obviously do, if that's what they want to do, hey, I'm doing a seminar this week, you should probably tune into it or come by we have some we're giving away gift cards and friend food bring some friends like it's gonna be a good time come hang out, learn about real estate. That's, that's one of the sales pitch.It's good. Well, it's more about the touches. Like I don't care if they show up to your event, the facts like oh my god, David's have an event that guy must be doing something right. Maybe I don't mind the market yet. But I'll take a mental note ofthat in there every month. So if you miss this month, come next month, no big deal. We're always doing it low pressure. You know, if you ever read the book, seven levels of communication, they talk about this. And it's like a layer. It's exactly okay. And so, you know, it's Casey.Yeah, he was, he was like Leawood or the Kansas, Kansas somewhere aroundthere. And, yeah, we actually did a, like a little one on one with Him with our company. And, man, the nuggets he dropped, it's all about the invite at the event is cool, you know, bring it all the 100% button, then as a follow up to the people who showed our you couldn't make it. Yeah,so let's do. You're exactly right. When I was in Chicago, we saved these mega events, the largest one ever had, I think had 850 People show, it's not bad. And we would run a nightclub out because the nightclubs didn't have a kitchen to close down. So it's the cheapest and that would sponsor the liquor. And from my girlfriend at the time worked at Bacardi or some somebody was I had all the ship paid for and I had all of our vendors, but we would have 800 people. And the reason why we would that we did it twice in a row two years in a row. And the reason why we did the events wasn't for who showed up, it was for all the touches around it. Because I know when we're doing an event, we sent out direct mail piece, so did all 15 of our agents, then all 15 of our agents send out email pieces, and we ran ads even for the event. And then once we were at the event, we shook hands kiss babies, and then we are done with the event. We sent them back the video from the event of the time that they missed. And then we repurpose the whole damn thing. And you get a bunch of video footage from the event. You get a bunch of testimonials. There's just so much content there. But you're right, I would get business from it every damn time. And we would spend about 15k on these things are out of pocket. But it penciled in like 6090 days. Yeah, because of how many connections that you have there. And I would get some of the agents would invite some of their clients. And it was my event. And they didn't sponsor and I ended up selling their clients shit. They forgot who they were, they just ran in there from a friend of a friend. And I remember what's one of your events a day, they're invited from a friend of a friend of a friend and all sudden they became a client. Yeah, this is about attention, folks. This is all this is attention. Attention, attention, attention attention. So let's get into you guys have an agent accelerator program in your office. And I'm actually going to Kansas City. What am I going against pomp August 4, August, August 4, we're gonna be having an event in Kansas City. So if you're in there, you guys can go to that event. If you're in the area if you want to fly in. That's cool. But why don't you what we're focusing on as a sole agent accelerator program. Walk me through it. How does it work? What do we do? What is Agent accelerator?Yeah, Agent accelerators. We basically dissected what worked in our business, how we were able to get 30 closings stacked into one month as a team during a pandemic, our tried and true principles. And then we're bringing in some heavy hitters as well that are growing massive offices running powerful teams, and really getting after it national speakers as well. And they're going to open up their playbook. We're going to take you from day one agents to even seasoned vets and show you how you can implement these practices into your business and crush it in your local market. It's going to be an awesome event. We're gonna have a lot of content around that as well. So you're gonna get some free resources from each of the speakers to downloadable PDFs, things you can implement in your business right away. This event is It's very cheap considering the amount of information and knowledge you're going to get.If you don't get that much value from this event you didn't show up, you didn'tshow you're not implementing you weren't paying attention, you should be able to get at least one piece of business for sure. With some of the tips and tricks that are going to be shown here. It's going to be a lot of fun.Like get get your tickets, let's go into some of the topics we're gonna be chatting about, I want to know specifically on how you guys work the system, like if I'm an agent in Kansas City, I come into your guys, what does your system look like? What are the touches? Let's break it down.Yeah, so I mean, it really depends on if you're brand spanking new. I mean, it's the basics. It's like, Do you have a Facebook? Or like, Do you have a friend group? Like, where can we start pulling business from because like you said, we grew our business off of referrals, people that know us, like us, and trust us. And we parlayed that into friends of friends, and then an outer circle of that. So we got to know where you're starting from first, because not everybody is exactly the same. But bare bones right off the bat, you need a website CRM, you need a funnel that you can capture clients through, I call these mouse traps. We just need to get you into a rhythm. So hook you up on our website, CRM, show you how to run some free Facebook posts online, let's get some passive buyers rolling through just some Facebook messages people to practice on essentially, what a second race? Yeah, we're doing scripts, I'm gonna get you inside of a house of vacant home, you're gonna start doing some home tours, let's get you comfortable opening doors, showing off properties and demonstrating to your sphere of influence within that first two weeks. Hey, I'm in real estate, I'm taking it serious. I'm excited about it. And I'm here to help.So you got to force them to create content, in a sense,absolutely have to will pull out the camera right in front of them, hey, it's showtime go.Yeah, like we need to get them out of their own head. And we need to just get them comfortable just being in promotion mode. Because at the end of the day, we're marketers, this is a contact sport. If you're gonna stay in your turtle shell and not come out, I'm sorry, it's gonna be very rough industry for you. Like it's, it's gonna be tough.What's a better way to learn your scripts and how to talk to people to convert them through video. Like when you do that through video, you learn your pitch, you learn exactly what you're pitching. And then when you talk to real live people, you've already been through it. Like it. Sothose are some of the basics, you know, we can start there and then just start building off of that. We got tactical strips, we want scripts, we want you to message certain things to your entire database, you need to have some type of intro to that your Hey, now I'm a real estate agent. A tip for some of these agents too, that work really well. Those Welcome to the Office posts, those ones where you get tons of shares your whole family, you know, bloodline loves it shares it, comments on it, all your high school friends, I mean, some agents will roll in here, not knowing what to do. But they'll have 400 likes, loves and comments on their posts. that's those are your raving fans right there. Hit every single one of them up. And you know, it's not the typical, hey, like if you know anybody or you know, it's not, it's not your typical hammer real estate agent, let me know if you want to buy or sell a house. It's a little more specific. And so the message that we think you should send out right up front, and if you know a better one, I'd love to hear it. But it's worked out well for us is, hey, with inventory being so low, we have some buyers that are looking to find a home if you know anything off market, please let me know or Nova may looking to sell. It's some variation of that. But it's a showcasing the fact that you have some type of buyer pool and be that you're trying to find off market homes for them going the extra mile. And if they know of anybody to let me know. And you're not asking for direct business,one ofour brand new agents are getting contacted Phil on that point.Um, at that point, I think we just let the conversation unfold. But usually it's people you already know. So it should be like a friend or like a sister or something like that email phone number, put them in the database. And so we actually have one of our newer agents she got she got three listings from that one. Message blast. And that's just easy, because it's,let's, let's do the math on it. Alright, so let's go back to gerbil. Yeah. Where's your next? Yes, from your next No? It? Well, it's 10 to 15% of people are moving directly, but 100% of people have referral for you. So you're right, what you'll see naturally is that one out of 10 calls one out of 20 calls will be people probably moving directly in the next few months. Because remember, out of that 10 to 15% Most don't know they're moving yet. This year, there's gonna be life situations that happen. So that's why that number is always cut in half. But 100% of the people have referral for you. I used to do some similar, but I would just invite them to a party and I would just even if I didn't have the party. Yes. Yeah. Like I loved the whole reason I had party is just to build a database. I'm like, yo, what's up, dude and talk to you? Well, hey, what's your address? What's your email I'm sending as party. We're gonna get everyone together and see neighbor, well, then what do you have in a party for? Oh, it's my real estate company. And then there goes in like that would always work. Well, and because no one ever says no to a party invite. And then when at the party, you'd have to sign in so we would get the direct mail and then we would have a raffle. For so I would get direct mail build a direct mail list everyone signs in with an email list and then all of that shit just gets retargeted for for life essentially, but yeah you just have to have that initial excuse a value and start the conversation off because if you don't own the data like if you don't have an email address if you're not friends with them on Facebook if you don't have their phone number you can't market them can you?No you can't and I love that that party event because then it parlays into you should be setting an open house right away get some reps in go to or some open houses if you're uncomfortable see how other agents are doing it they're probably pretty lazy got three signs out total if that the doors probably shut itdown that would be me right theremake some video content I was I wasjust hoping no one will show up I'm like hey no one's showing up I'm gonna sit out here smoke a hitter and hope no one comes in the wall comes in the door that was me when I was 25 years old.Our our mega open houses man we would we would door knock and flyer drop the neighborhood promoted. Promoted aggressively.You got a 60 foot gorilla outside of one of those. Back tossin the front yard. We're grilling, cooking hot dogs for people we get 20 to 40 people roll throughthat. Neighbors. I've seen a lot of people do like Taco events and that would be really fun. Like do like a world WWF event the front yard of an open house. There's like two guys out there rustling or just have like sumo wrestlers in front of an open house just in the grass. So I'm sumo wrestlers have an open house. What the fuck? Who cares? Like that's the stuff that people look at me like, What the hell are you doing? Oh my god. Oh, the realtors. The realtors that have that sumo wrestler at the house? Yeah, there's got to be that one thing that the connectionhas to be Yeah, that's huge. Um, yeah, I mean, I closed my biggest deal from Dornoch or from open houses by doing an air pods giveaway. It was like a $780,000 bythe only the person that one was the unrepresented buyer who's serious. They want out of a hat and there's like 30 names and they're all the same person. Imean, you could go crazy with this stuff. That's why I love open houses you can build, you can really hype and even up get a whole neighborhood involved. And if you do it consistent enough, you're going to become the authority.So your open houses though you're making an event out of it. Is it absolutely okay, so let's go into that a little bit more. It's not just an open house. Let's go to some more examples. It's fun. So you're creating an event. Okay. I didn't catch that first time. It's not just an open house. It's an event open house. So there's either like a taco truck or something different.Absolutely. I mean, like we would do these repetitively. Every week it was there's a flow Monday, we were following up with open house doing the giveaway, and we do the raffle live. And I'd go give it to him and do a picture. And then we were all into Tuesday kind of game plan for the next one. Wednesday, I'm locking down the open house. This is when homes are sitting a little bit longer, too. And then Thursday or Friday, I'm flyer dropping, I'm doing some type of promotion getting out there in the streets. And then come Friday or the actual day, the open house, whether it's a Saturday or Sunday, we're putting a lot of promotion behind it. Oh, well, I miss Friday, I'm shooting some promo videos for the giveaways I'm doing targeted. So short, little like six second video clip, stop by my open house to win this free Amazon gift card.And you want to win a free Amazon gift card while he goes out to the open house at 123. Charlie?Exactly. We do some of those, I would target those before Facebook had to open up your real estate ads to 15 miles, you could do them to really condense ratio, or radius and we would do those and just try to get as creative as possible. And just make it fun. Um, and so yeah, like I call it running for mayor. So anytime I do one of those I deploy that strategy as if I'm running for office in that neighborhood. But yeah, that's just one of the events. That's just one of them.And then the monthly seminars are probably like food, are they were they doing these monthly seminars? Your agents, they do them at the office? I think them in their house? What are they do? They do pop by dates? Like what are thewe would do them at the office? The number one trick that we had found had so much success for one of our buyer seminars. I mean, we had our vendors there and they're like, Hey, guys, we come to these a lot. If no one shows up, no hard feelings, we'll just hang out, literally had a line out the door. The tactic that we had used was we created an event on Eventbrite monthly seminars for buyers, we would copy that link, and we post it all of our friends on Facebook, man, could you like and share this page, and then they share it on their Facebook page, they would get interactions we'd have like 65 shares, and then you just take that little link, you send it to your database on Well, we use chime technologies at the time but you send it out as a mass text mass email with a little video Hey, we we help so many buyers answer their questions and it's crazy much points.Yeah.And you know, whenever we're send this out to our friends and all that stuff, we're never asking them to come. We're saying can you share this can you promote this and then letting the conversations unravel naturally?You have 46 shares, you're gonna have some people you know, it's likethe end algae I heard Grant Cardone say this once but he's like you know in sales you have a choice to either be Rambo with the with the 50 Cal blasted down trees in the woods shoot and everything or you can be the predator and and you know people they think they want to be Rambo just shouting asking for the sale like closing them hard when in reality you want to be that person that sneaks up right behind him didn't even see you all the all the asks all the Hey, do you know this person all that whenever it comes time for that person to make a decision, you never asked him directly, but they've you've been in contact so casually. Yeah, they're thinking of you. And now in that aspect, you're the predator. And and that's I believe you should be marketing.So there's a constant or a consistent theme here. And it's three words long, it's the center of attention. Yeah, yeah, absolutely. Be the center of attention amongst your database,we would have that we were so consistent with a follow up and stuff, they would feel bad if they use another realtor, then it'd be like, ah, Ryan, sorry. But you know, my sister, she was a realtor. So I hope there's no hard feelings. Hey, absolutely. Get it, it happens. Do you know anyone else that would use that? Oh, you'renice. You're nice. I'd be like, what's what? What did you just do to me? Uh huh.No, my language,you know, we had to make one of our core values. First, because man, we went through so many different like struggles with people using other agents or, or not even that, but like, like, just deals falling apart, and just things just going crazy or haywire. So when you're closing a lot of volume, I mean, you didn't have anything. And so our motto was relationships first. So any of those situations, it's like, hey, because nobody wants to feel bad like that, you know, they already feel bad. Like the example rounds us and so if we come out, and we combat, you know, somebody who feels like they don't want to talk to us right now, because they should have used us but they didn't. And they don't want to tell us what they do. And then we come at him. And we're aggression. We're aggressive. We're using aggression as, as our tool in that moment, it's just not going to create a win at all.We're like, hey, congratulations, great house. Who else? You know,we already took the L, we already took the L on the chin. We don't need to make it a worse situation. So how can we extract something good out of this, it's gonna benefit usbecause I wouldn't I would not have that patience. Personally, I had a good friend of mine before. I love Chicago. I had a good friend of mine. Now we're friends again, but we weren't for a couple years. And then one of my other like best friends who I trained in real estate, right? backdoored me with my other best friend. And then they didn't tell me about it until after I saw the closing at $750,000. I was like, bro, you guys first I trained you. I've sold you four houses. How did this happen? Behind my back? Yeah. And I remember that day. And I was like, Dude, I got I get I get pissed about that kind of stuff. I don't know how to do that. Well, how you guys handle it is how you should do it. Yeah,I mean, do we just go on offense? Like, I want to prove you so wrong. And that decision, I'm going to be this the real estate celebrity now. And the number one thing that I've learned in this business is you want to create more people working for you than against you. Like, you got that one person working against you. I mean, you're taking a loss time sincehow do they say like one good review gets shared twice, but a bad review gets shared 10 times or something like that, or as apost and I think it was in lab coats or maybe real closers the other day have an agent on this exact topic similar and they're like, I'd like to say the situation was a seller canceled the contract, and they're a buyer or something, and the agent still went after him for the commission. And they should have they should have just chalked it up and left, you know, but they're like, No, I worked hard for this money. And I'm like, Dude, the negative publicity just on you putting this on Facebook yet alone. Their database like that one person who talks bad about you will cost you a lot more than it felt good talking about about them.Exactly. So we just, you know, we we scream internally, when we close the door, we're like, Buck. All right, we got that out. Okay, let's just ask how do we extract the when it's like that agent that goes on a listing appointment? And because instead of that, they don't want to take a 6% commission they do. Like the buyer or seller wants a 4% and they walk away from it when the vise 95% of the work yeah, that was me to probably just put a sign in the yard, get it under contract and collect your little bit of coins and just move on. Or you're not gonna get 80% of the work, you're gonna walk away with nothing. So how do you extract the wind out of anything? What's your value? What's your time worth? And there are situations where you should say no, we're not being disrespected. I have a whole course on that inside of our, our new agent orientation, where I go in depth on that because there are times we should draw the line because people do get a little confused. We say relationships first, you want more people playing for you than against you. But there comes a time where people are just flat out disrespectful.Yeah, that is well that's the entire purpose of building a brand when you when you start off in real estate, you're gonna have some shitty clients I mean, you got to do what you got to do. It's a grind the first two years you're gonna have to put in the work to make it but the entire just to put me on the same page or the entire purpose of building up Mirantis so that you work with people, that one come to you, but there if they come to you, that means they're also more than likely just like you like you're you should enjoy. That's what attraction is. You can attract people you don't get along with it just doesn't work. It's just not by the law of attraction like, like, that's not the way God wrote the rule doesn't work this way. Like, I could be me. And I'm not gonna attract anyone. I'm not like, because I'm being me. No. So like, I wouldn't, I will repel attorneys or anyone with a suit on to be honest with you, like, I will repel the shit out of you. You guys aren't my clientele. But I know that and I'm fine with it. Right? Right. But I also get all the dudes, the bros the chicks, and all that, because that's part of my brand. And they all live somewhere and some of them are really rich. So that's fine by me. salutely Yeah,no, that's 100% True. I think you got to find your niche, your group. I mean, that's why whenever we leaned on events and trying to grow our business based off of those activities, we looked at, okay, where's most of our business coming from and what feels most natural to us, and we just leaned in on it. Now, I don't necessarily, I don't gravitate towards like big bikers with a bunch of tattoos. But if they work at the Ford plant in, they fit that niche group. They're, they're my guy. Yeah. And like, you know, so it just, it just goes like, what kind of category are you going to market towards? One thing I'll share with you too, how we infiltrate some neighborhoods. And we did this when we first launched our brokers beautif right before we stepped out of production, but I think if any agent did this in their market, they would crush you just got to do it a couple times. A local neighborhood high price point homes, at least for our area was like five 600,000. Yeah. Which is solid in any market. We said, Hey, we want to do a food truck because they do this pretty often we did a talk. And we said, you know, we want to do it for your neighbors because we sold a couple of houses. One of our past clients was a friend with one of the HOA board members, they let us onto the community page, myself and Ryan, what we did was we promoted the event, say, hey, taco truck, come here Tuesday, whatever timeit was added every member in that. And that HOA page added him on Facebook.So now we were going to be removed from that group. So we just captured as many friends as we could in that moment. Because now we can retarget them like we discussed earlier in the in this episode. But we did the event blew it out did some video content around it. And literally everybody came up to us and said, Are you guys the new?What is it? We were the only agents in thatexclusive? Yeah. Are you guys the exclusivereal estate because you had a taco truck? And you did a video?Yes. And if we would have done that, probably one or two. You know, another time after that, we would have definitely picked up moreluck, I will tell you the number one thing that I took from, you know, social media marketing, doing those video contents, people think you're a professional.So not only is the I was gonna, I was gonna ask that question. Not only is theappointment easier, you get the listing no matter what, if you fuck up, they're like, You can blame something. And they're like, No, I mean, Ryan, he, he would never like, I trust Ryan. I trust Ryan like, that's video and you know, that buyer wasn't pre qualified or whatever we put the offer in on the house. They're like, Oh, no, it's fine, man. And it's just because they they feel like you are the professional because of all the content that you've done. Yeah, can't go wrong.No, you're right. I was gonna say you could probably went into that neighborhood never sold a house in your life. And they were still thought you're the expert.Absolutely. That's the best $600 we ever spent. So does anyone.There's an idea I thought about doing that I want to do I just I think a great idea would be to have a junk hauling truck for a neighborhood. Oh, a junk party. I have so much junk that I want to throw out that I can throw on a regular trash and all my neighbors do too. But can you imagine having a just just renting the junk truck and having the neighbor's pitch and like the junk truck would probably cost you 2500 bucks. Right? Everybody in the neighborhood? Get rid of your junk? I think that would crush it.I think so too. That's yeah, that's actually a really good idea.Well, you guys test that. I'm just curious. And we'll do a follow up show on this. Yeah, we'll try. I'll get some of my agency. I don't know if they will. Because I only have three right now. But yeah, I think I think I think they'll crush it.I mean, you know, I think getting involved in the community is is is an easy play. It makes a bigger impact. And it shows that you actually care. As much as you're promoting your business while doing these activities. You're still doing some bit of good. Yes. Whenever me and Ryan first teamed up together. I said, Dude, we got to do an event and we got to have it not just about real estate. So we partnered up with city Union Mission, the largest nonprofit charity organization in Kansas. Yeah, love it. They gave us a bunch of barrels. We put them at our friends that own restaurants and bars. We didn't know them really. We just were friends on Facebook. We hit them up in their DMS they can we drop off a barrel. We wrap that barrel around with two logos, the the nonprofit and then our real estate company and we did a coat drive. And then we did a kickoff event for it invited everybody. Everybody in our database came out to it is are at one of the bars. Yeah, no other pub. It's Sporting Kansas City or football club. It's soccer here but well yeah, well FC Football Club. And so we came out there and it was a great event good turnout. And then we just kept that going that that. That was a sponsored ad for a year that marketing campaign lasted for six months. They're like,Wow, you guys are experts at branding and marketing and attention. And it's duplicatable. Right? Like as long as you have. I will say this the only time it doesn't work is when you're doing this in front of a bunch of people you've never met. Is that fair?Yeah, that's very fair. Because I tried this in Arizona and it kind of fell on deaf ears. Yeah, I didn't have a sphere of influence. I didn't have a database I was building that's myproblem here. I don't have the database I have to do lead gen here. But um, you know, my whole my whole business model is very similar you guys out here is that I just blow up brands and then do all the marketing for him. Same thing like you guys are teach given them a system that you have, and they're really, it. It's all the same thing. There's you guys there's so many ways to generate buzz around your brand. And that's the key is like you just got to be in front of people. And it's about reminding people what you do versus telling themexactly how people who stay consistent going fearless. We have agents that come in first 90 days are closing 10 Plus homes.What do you think so it'swhat the phone call for saleby owners to like you're just crushing like these prospecting type leads as well.That's great. All right, final question. Let's get this wrapped up. We went a little bit over but this is a really good conversation. He doesn't get a lot out of this. What do you prediction with the market? What would you be doing right now there's a shift obviously happening I my my opinion, I'd like to get what your guys's is, what is? What do you drop? What do you keep? What do you do?All that, dude, okay, this is my take on it. This has always been my take. I love it. If you if you are failing to step foot in this market and really take accountability of your daily actions and prospecting, you are probably living in your own internal recession, and you have been half past five to seven to 10 years, we've been in the greatest economic climate for real estate up to this point. And it's still good because low inventory prices are still rising, there's still opportunities out there. There's just buzz going around of other sectors getting demolished crypto, the stock markets, but agents have been in a recession their whole entire career if they haven't been taking action. That's why 87% fail. So I think that if you're putting in these steps that we've talked about in this podcast, if you're if you're actually implementing to the degree in which you know you should be, you're going to be just fine, the people who are willing to work, it's going to keep working, but to those that are just going to keep listening to the narrative of the market is going to crash, whether it crashes or it doesn't. It's still there's people that win in both both climates. So I think it's all dictated on on you. And what I told Ryan, once he had a slow November, I think I got off the phone with them, or we were on the phone calls. He was crying. He kind of he waslike, Dude, this market is going down my buyers and I don't have anything andthere's no subpoena Karen. Yeah, Iget off the phone with him. Well, I just call me back on an offer. And he did say he said, Ryan, the market is not slow, you're slow. And then the agent she calls and she says so sorry, I didn't get back with your offer. I had three listing appointments. I've got this buyer, I'm shopping. It's just been a hectic day, I called David back and I'm like, shit did You're right. I'm just not doing the necessary things to bring the business in.So that's my take on it. I mean, regardless, I'm pretty committed to this industry. Obviously, we run a brokerage, we got a bunch of agents, we've survived through COVID been in a great market. But at this at the end of the day, 87% fail in this business. And why is that? And it's not because of a recession. It's because their lack of effort, since he is huge. So that's my take on it. Now obviously, there's headlines going around, and it's going to be a little bit more difficult to sell homes. Whenever interest rates go up, things start to happen. And we'll find out what that's going to look like in a couple of months. Yougotta be a financial advisor at this point, because a lot of people have 100 $200,000 in equity in their current home. So I man, people don't have 20k that they're just flipping into another house. They've got some serious cash. Is it a good idea to buy at a way higher interest rate? Maybe, maybe not. Maybe the better idea is to take that HELOC out on your current home go buy some investment properties. I don't foresee the market taking a huge decline on prices. I just see the buyer market dwindling a little bit. People holding off stuff like that, but that's what I see. Yeah,you guys will be pretty safe in the Midwest case either. You guys gotta get good inbound. I'm estimating a 10 to 20% shift here in SoCal. And I needed it went up 40% Last year, like oh, you know, I mean, like, it's crazy. And that's I think you're sending but a lot of the inbound markets like to Texas, I think is going to be they'll see a little shift, but all that but the demand is still there, right? So a lot of is gonna be demand and folks just remember you have to correct before you crash. So we don't want who's saying there's going to be a crash. We'll know right now, but I can tell you once it starts correcting over 1015 20 years out there. We're crashing. So to be to be tuned, stay, stay tuned to be seen. Awesome show guys. Why don't you guys go ahead and tell everybody if you guys tell him about the event again, one more time in case you guys guys like what we talked about today coming to this event, this is what we're talking about the recession proof business model and whatnot. You guys could go out and tee it up, Tom, we're gonna get tickets.Yeah, we have an Eventbrite link out and a Facebook event page that's posted. So we'll share that with you guys. So you can promote that on this link. But it's going to be in Kansas City at the Stoney Creek hotel. It's right next to Bass Pro in independence.We got it. Yes, Bass Pro and the Kansas City areas get checked out. Yeah, sogonna be an awesome event. I think you guys are gonna take a lot from it. It's 10am to 4pm. So it's an all day, we got some special guests flying in, including Mike are going to be dropping some knowledge. I guarantee you're going to walk away with a few things you can implement immediately and grow your business.Oh, man, I appreciate you guys appreciate you for listening to another episode of The Marketing you'd podcast if you need any help. If you're looking to script edit, build your personal brand, do anything with video, whether it's coaching, consulting, or you need us to do all the work for you. You're not going to find a better or more comprehensive video marketing company. Because this is all I do. Dude, I did it for 20 years, so call us www dot real estate marketing.com Thank you for listening to show follow us on Facebook, YouTube, Instagram. And guess what I just shot my first 12 short videos, which means I'm gonna be on Tik Tok. And I'm gonna start blowing that up. I'm going all in on short form content right now. And you could follow me I only have like seven Tik Tok followers. So become the eighth, ninth and 10th right now. And you're gonna see me grow that page to a large audience is my goal in the next six months. So appreciate you guys listening and see you guys next week. Have a good day and don't chase shiny objects Chase relationships, so it's all about peace. Thank you for watching another episode of the real estate marketing dude podcast. If you need help with video or finding out what your brand is, visit our website at WWW dot real estate marketing dude.com We make branding video content creation simple and do everything for you. So if you have any additional questions, visit the site, download the training, and then schedule a time to speak with the dude and get you rolling in your local marketplace. Thanks for watching another episode of the podcast. We'll see you next time.Transcribed by https://otter.ai

Dave & Chuck the Freak Podcast
Wednesday, June 29th 2022 Dave & Chuck the Freak Podcast

Dave & Chuck the Freak Podcast

Play Episode Listen Later Jun 29, 2022 200:39


Dave and Chuck the Freak talk about eating street foods/meats, Airbnb has issued a worldwide party ban on rentals, Travis Barker was rushed to the hospital, a Florida rapper arrested after a jet ski chase with police, a woman banned from all Disney parks after beating up her husband, just how bad are truck stop showers?, a new app that allows you to analyze your farts, a guy robbed someone at gunpoint after they refused to buy him chicken nuggets, luxury brand granny panties selling for $200+, food enhancing perfumes predicted to be a new trend, a woman that took $228K from an HOA account to buy football tickets, a dog owner force to put up a sign cause her dog jumps onto her roof, AEW Star Danhausen stops by, and more!

Dave & Chuck the Freak Podcast
Wednesday, June 29th 2022 Dave & Chuck the Freak Podcast

Dave & Chuck the Freak Podcast

Play Episode Listen Later Jun 29, 2022 200:38


Dave and Chuck the Freak talk about eating street foods/meats, Airbnb has issued a worldwide party ban on rentals, Travis Barker was rushed to the hospital, a Florida rapper arrested after a jet ski chase with police, a woman banned from all Disney parks after beating up her husband, just how bad are truck stop showers?, a new app that allows you to analyze your farts, a guy robbed someone at gunpoint after they refused to buy him chicken nuggets, luxury brand granny panties selling for $200+, food enhancing perfumes predicted to be a new trend, a woman that took $228K from an HOA account to buy football tickets, a dog owner force to put up a sign cause her dog jumps onto her roof, AEW Star Danhausen stops by, and more!