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Keith is joined by Jim Sheils, a seasoned real estate investor and builder who specializes in new construction and co-living properties.  Together they explore why traditional long-term rentals are struggling to cash flow and how co-living—renting individual rooms in purpose-built homes—can dramatically boost returns.  Jim breaks down how the model works, who the typical tenants are, and why platforms like PadSplit are essential for management, compliance, and steady occupancy.  Their discussion highlights how co-living can simultaneously address the affordable housing shortage and today's "cash flow crisis" for real estate investors. Episode Page: GetRichEducation.com/617 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. For the first time ever on the show, we're talking about what some call the greatest real estate cash flow strategy today: co-living. Learn about what it is, what it is not, the pitfalls to avoid, and just how terrifically profitable co-living property can be today on Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com.    Speaker 1  0:59   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:15   Welcome to GRE from Dover, Idaho, to Dover, Delaware, and across 188 world nations. You're inside Get Rich Education nation. I'm your host Keith Weinhold. For about five years now, it's been harder to make the cash flow numbers work on long-term rentals, and that's because sure rents are up, but not as much as expenses are, and that's why for your regular income properties, builders buy down your mortgage rate for you so that it works. But now enter co-living properties, and your cash flow can be multiples higher. In fact, today we're going to talk about a model that has seven times the cash flow of a regular long-term rental, for example, instead of renting a detached single-family home to one family, if instead you divide it up into six bedrooms and rent each one of the six bedrooms to an individual, you will drive substantially more income. You've got six rent checks instead of one. That's what a co-living property is in general, and you're usually renting it to tenants that are working a lot. They're away from the property. It's often run through pad split. You'll learn more about what that means. And though co-living is lucrative, you still need the right market, the right layout, the management, which is really key here, and the right operating model. Today, we'll talk to a GRE Marketplace operator that provides co-living properties to investors like us with a management solution. And as you'll see, it gets even better than that. Although they serve just one geographic area in the U.S. which happens to be an investor advantaged area, as you'll see, this is conducive to out of state investors. If you want to own there, we're talking about co living income property today. Next week, there's something vital I want to tell you about, and I can't wait to do that. It's about the way that I talk when I meet a 25-year-old, and I learn that their only source of income is as an employee at a job. And no matter what age you are, what I'm going to share with you is going to apply to you too, and it's pretty transformative. That's next week here on the show. As for today, let's learn about co living. Jim Shields is here. Jim, welcome back to the show.   Jim Sheils  3:56   Keith, good to be here. Thanks for having me.   Keith Weinhold  3:58   Well, Jim, we saw each other in person a few months ago at a conference. I wanted to have you back here today to discuss co living since you're involved in it and you help other investors learn about it. And now you even started providing properties for co living specifically for them. And you know, Jim, with co living, I have seen models in the past where, oh, a single-family home it might be retrofitted, renovated to say have six bedrooms and three bathrooms, and that way you, as the owner, you could rent it to six tenants, really who are each only renting a room rather than renting the whole place to one family. In this way, tenants get cheaper rent because they're only renting one bedroom, and then for the owner, this gives them stronger cash flow because they're renting it to six different parties and not just one. So, with affordable housing really being a struggle for so many, you know, co-living is. Really taking off. So tell us more about what co living is and what it isn't, Jim.   Jim Sheils  5:05   Yeah, co living was something that was brought to us by one of the owners of Pad Split. Actually, they had met me and worked with me on other new construction projects, and and kind of my evolution, as you know, Keith was I I went from doing a ton of fixer uppers for many of years to new construction, and both can get you where you want to go. But I like new constructions. But meeting some of the owners of PadSplits, I found that they were starting to have the same struggles that I was when I was rehabbing a lot of homes. You know, it's not easy to take a three bedroom or four bedroom home and turn it into an eight bedroom or a seven bedroom, and so you know, starting from scratch with new construction, we're able to set up for what they're trying to create, and what they're really trying to create with co living is that affordable housing crisis. There's a lot more single individuals out there not looking for you know whole, not needing whole family dwellings to live. They're more at a basic income level that you know keeps them quite a bit below being able to rent. Like here in Jacksonville, the average price of a one-bedroom apartment is just outside of their qualifying range. So they might have a good job and decent credit, but they can't qualify. So what we've seen co-living do, and again, working through our our management partner of Padsplit, is they are bringing in this system of putting people together in one home, still with the screening, still with certain amenities that you know really help the property get seen, wanted, and rented, and then certain managerial things, where you're providing good options for living in areas that need more affordable living, and for landlord investors like ourselves, you're providing now a new opportunity to beat what I've called the cash flow crisis. You know, we have an affordability crisis, but that's also created a cash flow crisis, Keith. As you know, and the numbers that we've been able to see are quite advantageous for both the renter for the amount they pay and for the owner for the amount they're going to cash flow. And that's what I'm seeing this new co-living movement is about. It's really landlords taking a new risk on a certain type of property and tenants getting a type of property that fits their income and their needs.   Keith Weinhold  7:27   You know, Jim, philosophically, I'm thinking about assisted living homes, and when society changed sometime last century, assisted living homes became more of a trend where a lot of times that's where the elderly people went. Now we have co-living, and you kind of wish the world would be a place like where you know someone freshly out of high school or college could be married and have children, and you know just one or two jobs could float and support that family, and they would be able to afford their own home, either to own or rent. But increasingly, that's just not the world that we're living in. It hearkens back to multi-time GRE guest and legendary investor Jim Rogers. To paraphrase Jim Rogers, Jim Rogers said, "I need to invest in the world with the way that it is, not the way that I want the world to be. That's one thought that keeps coming to mind with co-living.   Jim Sheils  8:29   Yeah, for me too. Honestly, Keith, when I first heard about co-living, it was a few years ago. Someone saw me speak at a mutual event similar to one we last saw each other at. I got off stage, and they came up to me and they mentioned to me we're doing these things called co-living.   Keith Weinhold  8:44   Yeah.   Jim Sheils  8:44   And I was kind of blinded. I was looking backwards instead of forwards, and I said, "Oh, that doesn't sound right. That doesn't sound like it could work, you know. And I had a lot of what ifs, and how do you handle this? Well, you know, as the niches really started to solidify and show real wind at its back, all those questions and doubts I had have been answered, and I've kind of become a believer in why it's working and also the results. You know, for us, build right, finance right, manage right. That's always been our model. That's what's going to help us and our investors succeed. Building it right and managing it right. We had to figure out, but figuring that out-that's key. And it's very cool to see investors today breaking the norms of saying, "Well, you know, we can't have cash flow anymore on a nice new construction property in a growth market like Jacksonville, Florida. You can't have good cash flow. Well, that's just not true with co living coming on because again you're answering the call of a forgotten tenant and their needs.   Keith Weinhold  9:46   Yeah, I just think for any thoughtful investor, it's got to give them pause. But this is where society has gone. Well, we're going to talk about how profitable co living is for investors later. But first, tell us more about the nuts and bolts of how co.   Jim Sheils  10:01   Yeah. So the way that it works is, first of all, you start, you know, again going with our model, build right, finance right, manage right, building it right. When you're starting with new construction, you're able to go into the property with all eyes open, without a lot of surprises, and you're able to build it right to the design that a co-living property of success would entail. You know, we're doing seven bedrooms, seven baths. We're doing 14 bedrooms, 14 baths. We're doing 20 bedrooms, 20 baths. These are all things that we worked with the owners of Padsplit as they've worked and researched areas all over the country, starting here in Northeast Florida. But what we're doing, we figured out exactly what type of build you do you need to do that's going to work? Smaller living areas. There's only one utility box. There's not you know multiple utilities. It's not a multi-unit building. So there's one utility box. You build it to that specimen of either we build anywhere from seven bedroom, seven baths, right up to 20 bedroom, 20 baths, and that's the build part. That way, you're getting into it and not having to, you know, kind of. It's really tough, Keith. I don't need to tell you with your experience to turn a smaller house into that bigger house and starting from scratch with new constructions. Great. The second thing we found was finance. Right, as you know, we do our own in-house financing. Well, a lot of the co-living since the banks didn't understand it. Just like you know, it's become a newer niche. They were locking in at 8% You know, with our in-house financing, we were able to get deals down to five and a half percent. So right there, that helps with the rate, the long-term rate, the cash flow, and then management. Again, we've managed 1000s of properties, but we've really teamed up with PadSplit to help us manage these. This is what they specialize in, not only for attracting investors into their organization, but also for managing the properties and screening the tenants, getting them in, and their management system combined with our Build Right Finance Right has been a great combination.   Keith Weinhold  11:57   Pad Split, somewhat of a platform like Airbnb, but it's for co-living type properties. We'll talk more about pad split shortly. But yes, you are making these more efficient for co-living because right from the beginning, you are building them new construction specifically for co-living type of arrangements, rather than that six-bed, three-bath retrofit example I brought up near the beginning of our chat, but tell us more about who actually lives in co-living homes. What's the tenant profile like?   Jim Sheils  12:29   Yeah, let's go to the opposite end. When I first heard about this years ago, Keith, I said, "Oh my gosh, this is going to be really unqualified, seedy people not working, getting into trouble, and that's just not true. Again, a lot of these people are hardworking, but they can't afford the $1395 for a one bedroom apartment, but they can afford an $825 a month room. And a lot of these people might be working at a local warehouse, at a hospital. They're very localized, blue collar, or some in training jobs, you know, extra five $600 a month makes all the difference. Where it's not going out to rent, not even including utilities, it gives them a nice place to live. So it's really entry level replaceable income people, maybe single people that work at a nearby restaurant. But again, they're trying to save more money in their pocket and not spend it on that higher expense, which the competition would be a one-bedroom apartment.   Keith Weinhold  13:31   Now, the tenancy durations here are shorter than what you're going to have in long-term rentals, of course, because one part of what you do, Jim, is for years you have helped GRE followers with build-to-rent long-term rentals. The resident does get more. They're going to get a furnished room with utilities in co-living arrangements, and they're also probably going to have their utilities bundled as well. So tell us about the typical tenancy duration, and then what all the resident gets.   Jim Sheils  14:00   Yeah. So the residency is going to receive all the things that they have to be turnkey. That's the bed, the desk, the dresser, the closet, the bathroom. Everything is set up there for them, and so they just move in. They're not going to have to pay for electric or water or internet. All that stuff's going to be included. There's a washer dryer normally there. Sometimes they're coin operated, other times they're just included, but that way they're not trying to take out a utility in their name or set up internet. Also, for the investor, that's a good thing because you have one master lease. If you start to do a bunch of leases, well, you could get in trouble with the rules of your community, probably of having multiple leases on one property. It's not a multi-unit building, so you can't do that. So one master lease with one utility and all utilities included allows you to do that. This makes it very easy to move in and out. And the average Tennessee might only be six months, but again, the way that it's set up, what we like about PadSplit is they. Have a very good marketing and screening process, so they're constantly marketing and screening to people in the area, and then they have their own private community with investors. So we'll build it and finance it. Our people will move over to their community for management, so the owners can speak together, and then the tenants, though they're coming through pad split system, and so what I like about that is if they try to not treat the property well, well, they're not allowed back into any pad split properties anywhere within the city. So that's really good for co living protection. So we just see that turnkey approach, and you know you've been preaching turnkey real estate for a long time. Yeah, this is a turnkey room where they're able to move in, they're able to move out easily. They can transfer to another co-living property, and by doing that, you can get people in and out very quickly, which keeps the vacancies low, even with shorter tenancy.   Keith Weinhold  15:57   All right, so an average tenancy duration of about six months, and for you, the prospective investor, as you're trying to understand co-living, maybe think of it as like when you check into a hotel. Co-living residents stay longer than you stay in a hotel, but as far as all the utilities are in the room combined, all into one charge with your WiFi, your water, your electricity, your natural gas, and the room is already furnished. Just one all-inclusive payment, making it easier for that co-living tenant. And Jim, you've been talking about pad split, where you're partnering directly with them, and that's the management part of this. Of course, this is more management intensive than a long-term rental. So, tell us more about Pad Split and how it works. Sort of like an Airbnb platform, but yet for longer-term, affordable room rentals that has the property management infrastructure somewhat already built into Pad Split.   Jim Sheils  16:56   Yeah, I think your comparison to Airbnb is very accurate, Keith. But it's more of a community for both tenants and investors. Airbnb, you know, I have short-term rentals and I use Airbnb. But what I've seen with Padsplit, which I think they've done a good job with, it has a community feel sharing for the investors who are a part of the Padsplit community, and so there's extra communication on your management, how properties are going, what areas are doing that. You know, great source of communication on the ongoing management. But for the tenants too, they know right where to go to find these types of properties, and the tenants also have to join this community. So there's a joining where if you want to rent a pad split, they have to join the community. They have to go through all the approvals and such, so that's pretty much how it's set up. It's seen to be very effective. Again, what held me back from this probably for about two years, Keith, was the management piece. You know, we've always managed our properties. I said, well, this is not our niche. Just like we don't manage short-term rentals, we only rent manage long-term rentals, and so I really had to watch and survey a lot of the existing investors and how they were doing, but it's nice to see someone with a good managerial system for both the tenants and the investors to work together in.   Keith Weinhold  18:12   Does PadSplit handle everything like marketing and tenant screening and rent collection?   Jim Sheils  18:19   So what they handle is the way that pad split works, like here in Jacksonville, where's our main market where we've started building co living properties. Is they will work hand in hand like an Airbnb, but underneath them they'll have preferred property managers that they'll work hand in hand. It so they'll handle certain things of the marketing, the tenant screening, and then some more of the mechanical PM pieces, the property management pieces. There'll be an assigned property manager that the client will be working with, the investor will be working with, and the tenant will be working with. So it's kind of a two-tiered approach. Like right now, my I'll use Airbnb, but I have a property manager for my short-term rentals. Same thing here, but we actually have the preferred management list and approvals through Padsplit.   Keith Weinhold  19:06   Okay, so much of this is handled through Pad Split, but not everything. There's a second tier where they partner with local property managers in that area to, for example, help with tenant turns or help with maintenance requests.   Jim Sheils  19:20   Yep, absolutely, absolutely.   Keith Weinhold  19:23   Now, short-term rental hosts are used to Airbnb fees. What are Pad Split fees like?   Jim Sheils  19:29   There's a monthly fee for belonging to PadSplit to keep your property occupied in there, and I don't remember exactly what it is for the tenants, but I know that they keep it affordable. So overall, you're going to be paying a little bit less than an Airbnb property that you would for you know if you use Airbnb and use a short-term property manager, it can be quite expensive. We've seen the pad splits come in below that and still achieve the goals of a good short-term rental. You know we're seeing. I know we're getting into this later, but taking those fees out and doing quite a bit of contingency because of the move and move outs, we were still seeing like a seven bedroom, seven bath based around the same price of one of our single family homes. The cash flow can be about seven times higher. Wow, on that thing, so it it really does answer the call for higher cash flow by bringing that more affordable rental in.   Keith Weinhold  20:25   We're going to talk more about just how profitable it is for investors, and more about co living somewhat nascent model, a model that's actually been around for quite a while, but it's really gaining traction in making things more affordable for tenants and making things more profitable for investors, we're back with more shortly. I'm your host Keith Weinhold. This is Get Rich Education. Flock Homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now, mom and pop landlords can 721 the residential real estate request your initial valuation. See if your properties qualify at flockhomes.com/gre. That's flockehomes.com/gre. 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Listen to Get Rich Education with Keith Weinhold, and don't quit your daydream. Welcome back to Get Research Education. I'm your host Keith Weinhold. We're talking about co-living, specifically how smart it is to get this right from the beginning and build a new construction single-family home, or something that could be larger than a single-family home with seven bedrooms, seven bathrooms, or 14 and 14, or 20 and 20, and when we think about this gym physically, the footprint. What is parking like at a seven-bedroom home or larger? And did this entail any zoning hurdles?   Jim Sheils  23:15   A couple of things. It can entail zoning hurdles, so I would make sure, especially if you're doing new construction, you have someone who is a builder in the area that knows how to work with the county department or city department of how to get these approved. That's a very important things for how you submit them and how you make sure you're staying compliant. I think compliance is very important, obviously, for a rental and and parking. What we've seen right now is we look for about 50% So when I say 50% of bedrooms, so a seven-bedroom house, we're going to have three or four parking sites. There's a large majority of people that don't have a car, and that's why a lot of these are built near public transportation. But we still try to always serve, you know, based off of what we saw, the needs to stay in compliance, also working with Pad Split on lots of their designs. 50% of parking spots is usually good for the amount of bedrooms that you have.   Keith Weinhold  24:08   What about zoning hurdles? What had to be met there?   Jim Sheils  24:12   It's going to be a trial and error for a new builder or a person who's rehabbing a property. You know, we were not the first to come in and do this, we had watched Pad Split do it for two years and more with rehab properties, but just starting new construction, we knew Northeast Florida and what needs to be done very well, and so it's all in how you present it. Again, if you go in there with multiple utility boxes and such, you're going to be in quite an issue. So we found that we didn't have any issue with that. Also, we own some of these in some of our quad communities, so these were for larger. You know, you've worked with our quads before; they're yeah, you know, larger buildings. Well, we've been able to turn those into, for example, 20 bedroom, 20 baths, and so they operate like a small. Building, but they're in our quad communities where we wrote the HOA, and so they're allowed. And there's a plethora of parking there, so that keeps us in compliance. So really, compliance is knowing what your local city or county is going to require and knowing how to get that approved. That's very important.   Keith Weinhold  25:18   Okay, so these can thrive in sort of duplex and fourplex type neighborhoods. That's where they're being built, and you have a good bit of control over that with you having your own de facto HOA there as well. And Jim, I looked at several of the co-living properties and the footprints and the floor plans, and you know I was really encouraged to learn that really the cost for one of these brand new build seven bath seven bed co living properties really isn't that much more than a regular single family home designed for one family. So talk to us about the pricing.   Jim Sheils  25:57   Yeah, in Jacksonville, for example, seven bedroom seven baths, going between 325 and 345, which is very similar to single-family homes. And then our pricing for our quads, like a 2020, would be in the low nine hundreds, and that's the same as a quad as well. So we've been able to match our pricing to, and we have duplex ones. The 1414 would be mid five hundreds, which would be about the same as a Jacksonville duplex. So you know, I'm going off Jacksonville pricing right now, just as a sample. Sure. Okay.   Keith Weinhold  26:30   The model I looked at was seven bed, seven bath. It had two stories. The price was 325k, and it had 1800 66 square feet. Talk to us about just how profitable that it is for an investor on a pro forma income and expenses basis, Jim.   Jim Sheils  26:49   From what I've seen is if the average single family home was bringing in about $3,500, and that's a net on the year. So we're saying net, you know, cash flow on the year. Let's say it was about $3,500 on the year of a single family home that you bought. Well, your pad split property would be more closer to about 25,000 for the year. Wow! So that's a big jump. Now, with that comes a lot more rent collected, Keith. But also, and again, we can't do it here, but on the performa, there's more expenses because you have pad split. You have just very similar again. I think your analogy of a short-term rental for anyone who owns those very similar. There's more components. There's more pieces to it. There's more management. But what I did like about the performas that were first brought to us, large amount of rent collected, but also a large amount of contingency and expenses calculated in to get that number. So those are what I liked again seeing these is there's a lot of expense taken out to still reach that you know higher cash flow, but you know it's something that you will want to account for as well. You know what keeps people safe? Do your numbers. Do your numbers real. You know talk to people who have owned co-living properties, make sure that you're accounting for the extra expenses of tenants turning over more and and just more management involvement.   Keith Weinhold  28:10   Okay, so on that comparison where you likened it to a long-term rental versus this model, it's about $25,000 of annual cash flow, which is about $2,000 of monthly cash flow, and was that for the seven bed, seven bath model?   Jim Sheils  28:26   Yeah, and it would go up from there for the larger models.   Keith Weinhold  28:29   Yeah. Now, are tenants paying in advance by the week or by the month, or how does that work?   Jim Sheils  28:34   That's a key thing. They pay by the week, which I didn't realize how important that was for affordability and staying current on your rents, but from the things that I've been shown on working with Padsplit, they showed that when they charge people by the week, it's much more affordable. A lot of these people are paid weekly, so it really keeps them in good rhythm, and so they go on a weekly process.   Keith Weinhold  28:57   And is this just as conducive to out of area investors like long term turnkey rentals are?   Jim Sheils  29:03   Yeah. Well, that's why you always want to build right, finance right, manage right. You have lots of great connections. You can find a great builder that's willing to build them. You get good financing and then good management. So you don't have to live in the area, but you want to make sure someone is taking care of that for you. Again, I am going to say I know some people like to manage their own properties from afar. That can work with long-term rentals. I've done it with a few of mine when I left California and came here. From what I've seen, though, for co-living, the involvement-if you are from out of area-I would highly, highly recommend that you follow a manager process and work with a manager.   Keith Weinhold  29:43   Meaning that you would use one of PadSplits recommended managers.   Jim Sheils  29:47   I would use PadSplit with one of the preferred managers that we know well, and actually one of the managers that they highly recommend worked for our company for five years, and she's great. And for what we're. Doing, I can put a stamp of approval on it, and again, I think just seeing the involvement, these can work really well. But you want to have just like any time, but even more importantly, on these ones, you want to have management in place, especially if you're afar.   Keith Weinhold  30:14   Sure. So, what could the involvement realistically look like, Jim, if that out-of-state investor is using Pad Split and using Pad Split's recommended manager. What might that investor have to do remotely? And maybe that's just on an email basis.   Jim Sheils  30:32   You know, a lot can be done by email. Again, Keith, our goal-I don't think you should be spending more than two hours a month on managing your property manager. So again, just because there's more involvement, what I like is it doesn't mean there's more involvement for you. You're paying someone to set that up to handle it. You'll have to be involved somewhat. You are a property owner, but again, I don't see that you have to get involved with every little thing. In fact, I like to step back and not get too involved in my properties. I find like I just kind of go and stir things up. Let my manager do their thing. I'll manage certain big picture managerial things and in communication and overall just directionals. But you should not be getting overly involved. That's what their job is. You should not be doing that.   Keith Weinhold  31:18   Now I'm a turnkey real estate investor myself, as you know, with multiple properties in various states and places, and I'm used to getting monthly emails from my manager in those markets, and that is what my owner statement looks like: income and expenses and anything that's going on with the property. But that's just on a monthly basis. Are there weekly statements for co-living managers and owners?   Jim Sheils  31:42   Still rents are collected weekly, but statements still come out monthly.   Keith Weinhold  31:46   Because—   Jim Sheils  31:47   You want to, what you do is you collect all of the rents, but then again, it's easier to reconcile with all expenses and such that come out on a monthly basis. So it's done monthly.   Keith Weinhold  31:58   Are they writing common mistakes to avoid that are developing in the space, like an investor that gets in and buys their first co living property, and then they think, "Oh gosh, I wish I would have known about this thing sooner that I didn't think about because I'm only used to long term rentals. Any common mistakes to avoid pitfalls like that with co living, Jim?   Jim Sheils  32:17   Yeah, a couple of things. First, again, I can't stress enough that co living, from what I've seen and experienced, they do make money. But on the build it right, you know, going back to our build right, finance right, manage right. Just know if you're going to try one your on your own and you want to convert a home that's three bedrooms into a seven bedrooms, it is a much more tedious, involved process. Where again. Keith, like you said, are you getting things approved with the county or city? Just know that you really want to be in the know, and that's going to take some involvement. So that's my warning on if you're going to use co living and rehab your own property, financing wise. The thing that the mistakes I've seen made is people didn't see that they had higher interest rates, so you want to do that in your numbers. You know, working like with us, we're we have our own in-house financing. We're able to get it down to five and a half percent, but some of these co living banks are looking at it differently, and you might be more around 8% So you want to just do that in your numbers, and then the third pitfall, which we've you know hit on, and this is one of your real foundational rules: is management is key. And on these, where I see the biggest harm, once you get it built right and financed right, it could all fall apart if you don't have management in place. So I would just be you know some of you do it yourselfers. I have some things that I like to do it myself too, but on a more technical type of property like this, I highly encourage you get management in place to do their thing.   Keith Weinhold  33:47   For sure, it is easy to make the case that the management is even more important than the property itself. One of the things that I like about what you do there, Jim, is you're so forward-thinking and you are so into making the experience as turnkey for that investor as it can possibly be, and one of those things is as you rolled this out, you had a lot of the financing hurdles rolled out right with it. Tell us more about those in-house financing options you have that you touched on specifically for co-living, and especially I'm thinking through the lens of like that seven bed, seven bath, 325k co-living property that I saw.   Jim Sheils  34:28   Yeah, I mean it's nice with getting to be a builder of our size with a really good balance sheet. We're able to work with banks and buy large tranches of money or slate large tranches of money at cheaper rates than available to the public. You know, for our normal long-term rentals, we can get down to 3.75. That's for normal houses. You can't get that low because of risk factor. Banks still they like working with us, but we have gotten it down to five and a half percent. So right now, our most popular program is a 30-year fixed five and a half percent for co. You know, and again, a lot of people that have come to have said, "Holy moly, we were locked in at 8.15. We are getting it not as low as our lowest rate, but at a really good rate now. You know, below what's normally offered out there. So that's normal qualifying that you would have to do with any bank loan through us. And our counselors are happy to talk more about that. That's our most popular program for the co living for the seven seven. You're looking at a five and a half percent interest rate, 20 to 25% down. That is a super attractive rate. Is that something that the home builder helps participate in buying down discount points, or that the buyer is asked to do in order to get down to that rate? Working with us, well, it could go either way out in the marketplace, Keith. When working with us, we pay all of those required fees and points to get the lower rate. That's on us, not on the buyer.   Keith Weinhold  35:50   All right, we're talking about co-living properties today-a way to supercharge your cash flow. This is one of the greatest cash flow strategies in all of residential real estate today, Jim. Is there any last thing you have to tell us about co-living? Perhaps something that I did not think about asking you that I should have.   Jim Sheils  36:09   I think that's probably just what you and I talked about, like what Jim Rogers said. It's how not how I want things, but how things are. Yeah. And so for me, I held back for a few years, even when some of the founders right here in my own backyard have pad split to team up with, but I think that I couldn't picture Keith 10 years ago having a short term rental and like wait a minute I'm going to have them stay there every week and I'm going to have to furnish it you know is from the old guy doing long term rentals so I think for people just read up on it it's becoming a very interesting trend there's some very interesting statistics of why this is working, how management can be handled effectively, how to stay in compliance with your city. There's a lot of good information. This is a great starting point to our conversation today, but I don't think this niche should be ignored because the track record is already there and it is answering a need of both investors and tenants, which is pretty cool.   Keith Weinhold  37:04   It has been super intriguing to learn more about this. Jim represents one of our GRE Marketplace providers. It's been great having you back on the show.   Jim Sheils  37:13   Now, thanks for having me, Keith.   Keith Weinhold  37:20   Yeah, a really informative episode today. If you want to learn more about co-living properties, you can do so at gremarketplace.com/co-living. That's where you'll get the investment report, floor plans, financial projections, see the exact pricing, and learn more about pad split there. I've been around this space for a while, and I know investors that own co-living properties. Some other best practices that I've learned about are that you want to have limited visitation or a zero visitation policy for your co-living tenants. As we touched on, these properties can really make money, but don't try to manage them remotely. Make the house rules unusually specific. Address guests, quiet hours, smoking, drugs, pets, parking, food storage, shared bathrooms, thermostat settings, and cleaning and abandoned belongings, and enforce the rules consistently and quickly. Because one disruptive resident can cause several good residents to leave, and in co-living, retaining household harmony that is often more valuable than retaining one problem tenant. Provide professional common area cleaning. Don't expect seven or 14 unrelated adults to collectively develop some passion for wiping down the stove. That is not going to happen. Shared areas should be cleaned at least weekly. Install bedroom locks and then smart exterior locks. Give each resident private space, eliminate shared keys, and immediately revoke keys after move out. Cameras they should generally be limited to lawful exterior and entry locations, not in private spaces. Provide excellent internet in co-living, unreliable WiFi. That is practically a habitability crisis. Use business-grade equipment, strong coverage, and have a backup plan for internet. And as an investor, it's wise for you to maintain a larger repair and turnover reserve than you would for a normal long-term rental. Keep these things in mind, and it can keep seven times the cash flow from becoming seven times the headache. Again, you can get the investment report, floor plans for the very properties we discussed today, financial projections, pricing, and get more information about pad split all at. gremarketplace.com/co-living. That's gremarketplace.com/coliving. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 1  40:15   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold  40:43   The preceding program was brought to you by your home for wealth building getricheduceducation.com

VOV1 - Thành phố Hải Phòng sắp trở thành tâm điểm của những người yêu bóng bàn cả nước với hai giải đấu liên tiếp do Báo Nhân Dân phối hợp tổ chức.++ Từ ngày 3 đến ngày 5/8 này, Giải bóng bàn toàn quốc Báo Nhân Dân mở rộng tranh Cúp Phân bón Cà Mau năm 2026 thi đấu nội dung đồng đội hỗn hợp, thu hút 20 câu lạc bộ với 120 vận động viên. Nhà báo Tạ Quang Dũng, Trưởng Ban Văn hóa–Xã hội Báo Nhân Dân, Trưởng Ban tổ chức giải, cho biết: “Giải bóng bàn Báo Nhân Dân mở rộng năm 2026 tạo điều kiện cho phong trào bóng bàn, nhất là các câu lạc bộ có vận động viên trẻ trên cả nước tham gia...”Ngay sau đó, từ ngày 8 đến 16/8, Giải vô địch bóng bàn quốc gia Báo Nhân Dân lần thứ 44 quy tụ 14 đoàn, gần 140 vận động viên tranh tài ở 7 nội dung. Tổng giá trị giải thưởng khoảng 500 triệu đồng. Cùng với các bộ huy chương còn có các giải dành cho vận động viên trẻ triển vọng, địa phương phát triển phong trào và Hoa khôi giải đấu. Vận động viên Bùi Ngọc Lan, đội bóng bàn thành phố Hải Phòng nhận định:  “Năm nay, các đội đa số rất mạnh; có một số đội liên quân hoặc ghép ở các nội dung đôi nam, đôi nữ, đôi nam nữ...”Giải Bóng bàn báo Nhân dân là một trong những giải đấu lâu đời, uy tín và có chất lượng chuyên môn cao hàng đầu của bóng bàn Việt Nam. Năm nay, kết quả còn được tính vào Đại hội Thể thao toàn quốc lần thứ 10. Hai giải nối tiếp sẽ tạo nhịp phát triển từ phong trào đến đỉnh cao, góp phần phát hiện và bồi dưỡng những tài năng bóng bàn mới cho đất nước./.

In this episode, Jeremiah Stringer and JK discuss bear activity updates along the Appalachian Trail, creative and humorous bear deterrent ideas, and share personal stories about neighbors, HOA regulations, and hiking injuries. They also send heartfelt prayers to Danny Warnock after his son's passing.

Today is a tale of two narratives: an HOA trying to actually protect residents from a faction that want surveillance? Then, we get back to classic HOA lunacy with a woman with a bone to pick and Crocs to hate. Listen in!

VOV1 - Một quần thể chè cổ thụ hàng trăm năm tuổi vừa được phát hiện giữa rừng tự nhiên Quảng Nam Châu, xã Đường Hoa, tỉnh Quảng Ninh, mở ra hướng nghiên cứu nguồn gốc cây chè vùng Hà Cối xưa và bảo tồn nguồn gen chè bản địa.

In this episode, Ben sits down with James Hatfield, CRO of LiveSwitch, and Derek Muelken of BreakPoint Consulting for a real case study on fixing one of the biggest revenue leaks in restoration: response time. Derek came up through roofing and restoration operations, starting as a project manager and working his way up to VP of National Multifamily Accounts, before founding BreakPoint to help contractors scale into multifamily, commercial, and HOA work. He shares real numbers from the field, including a same week good faith estimate of 1.1 million dollars on a 196 unit storm damaged property, and a case where his 2,800 dollar transparent estimate beat out an 800 dollar lowball bid because the property owner could see exactly what they were paying for. James and Derek talk through how video builds trust with multi stakeholder commercial accounts, why insurance companies are starting to require this kind of documentation, and how to get started with the technology even if you're new to it.

Katy shares a tale regarding the HOA's efforts to enforce stricter standards on lawn appearances in Colorado. Yet, the existing water restrictions are contributing to the current state of these lawns. We then shift our conversation to the challenges and pressures of parenthood.The fun continues on our social media pages!Jeremy, Katy & Josh Facebook: CLICK HERE Jeremy, Katy & Josh Instagram: CLICK HERE

Hour 1: Chris and Donny are live at Casino Pittsburgh today! Why was Carmen Mlodzinski used in the Pirates' loss yesterday? Chris reveals he is the president of his HOA. And Jason Mackey joins the show to preview the Pirates' next moves before the deadline.

Hour 1: Chris and Donny are live at Casino Pittsburgh today! Why was Carmen Mlodzinski used in the Pirates' loss yesterday? Chris reveals he is the president of his HOA. And Jason Mackey joins the show to preview the Pirates' next moves before the deadline. Hour 2: The show is apparently very popular in veterinary offices. Broderick Jones has gained weight this offseason, and it's a good thing! And Bob Pompeani and Mike Florio join the show to break down the latest around the Steelers and the NFL. Hour 3: Should Steelers fans want Baker Mayfield in 2027? Steve Palazzolo joins the show to give his thoughts on recent Steelers news. And Dom has the guys play the viral NFL Primetime Schedule Builder game. Hour 4: Ray Fittipaldo joins the show on-site to recap Steelers training camp today. The guys try to figure out what they will call their weekly Mike McCarthy soundbite segments, but did Donny choose an offensive name? And there is a major scandal happening in the WNBA right now.

VOV1 - Chính quyền Tổng thống Mỹ Donald Trump vừa mở thêm 1 mặt trận mới khi công bố lệnh cấm nhập khẩu các mẫu robot hình người, robot bốn chân và bộ biến tần mới do Trung Quốc sản xuất.Động thái này cho thấy, Mỹ đang mở rộng cuộc cạnh tranh công nghệ với Bắc Kinh sang những lĩnh vực được xem là nền tảng của kỷ nguyên trí tuệ nhân tạo (AI), bao gồm robot, trung tâm dữ liệu và hạ tầng năng lượng.Vậy động thái mới nhất sẽ ảnh hưởng thế nào đến chuỗi cung ứng công nghệ song phương và toàn cầu, cũng như cuộc chiến công nghệ vốn đã nóng bỏng giữa hai cường quốc hàng đầu thế giới? BTV Phương Hoa, PV Quang Trung - TT tại Mỹ và PV Trung Kiên - TT tại Trung Quốc làm rõ vấn đề này.

1038. Are you thinking about buying your first home but feeling overwhelmed by interest rates, upfront costs, and hiring a real estate agent? Host Laura Adams walks you through 9 tips every first-time homebuyer must know to protect their finances and land the right deal.Key Takeaways:How subtle changes in your credit score can save (or cost) you tens of thousands in today's rate environment.Most mortgage underwriters look for a maximum debt-to-income ratio of 45% to 50%, which includes your existing debts plus the new estimated housing payment.Hidden homeownership expenses—from surging insurance premiums to HOA fees.You should budget 2% to 5% extra for closing costs beyond your down payment to cover loan origination, appraisals, taxes, insurance reserves, and title fees.Why you need an additional 5% of a home's purchase price saved on top of your down payment.A prequalification provides a loose baseline for house hunting, but you need a verified preapproval before making official offers on properties.Contract contingencies, such as financing, appraisal, and home inspections, safeguard your earnest money deposit if unmanageable structural defects arise.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

Would you let a stranger control your biggest asset? That's exactly what happens when you let your HOA make every decision without you. In this episode, Tina Larsson, aka New York's Condo Queen, shares how she saved her building $340,000 after the hostile takeover of her co-op's board — and ultimately turned her experience into a new career. You'll hear why your home needs to be run like a business, where most boards go wrong, and how you can get involved to protect your investment. Topics discussed: (00:00) Introduction (01:44) Tina's entrepreneurial roots (03:42) The hostile takeover (07:38) Turning her role into a new career (11:17) How she finds hidden savings (13:06) Building trust with resistant boards (18:01) Advice for buying into an HOA (20:18) What most boards get wrong (22:33) Her book,

Finding the Right Home Starts with Your Lifestyle When most people begin searching for a home, they immediately start filtering listings by price, number of bedrooms, bathrooms, or square footage. While those details certainly matter, they don't answer one of the most important questions you'll face during your home search: How do you actually want to live? At Boston Connect Real Estate, we believe the best home isn't necessarily the biggest or the newest, it's the one that complements your daily routine, your future goals, and the life you want to create. Whether you're buying your first home, upsizing for a growing family, or rightsizing for your next chapter, choosing a home based on your lifestyle will lead to a happier purchase for years to come. Start With Your Daily Routine Before scheduling your first showing, take a step back and think about what your typical week looks like. Ask yourself questions like: How long am I willing to commute? Do I work remotely? How often do I entertain family and friends? Do I spend weekends working in the yard or would I rather not? How important is being close to shopping, restaurants, or recreation? Do I travel often? How much time do I want to spend maintaining my home? These answers will help shape your home search far more effectively than simply checking boxes on a listing website. Your Commute Matters More Than You Think One of the biggest lifestyle factors is your daily commute. It's easy to look at a map and think a home is "close enough" to work, but real-life driving tells a different story. Consider: How long does it take just to reach the highway? Will you be driving with or against traffic? Is public transportation important? How often do you travel through Logan Airport? Are you willing to trade a longer commute for a larger home? Sometimes two homes that look identical on paper can offer completely different lifestyles simply because of their location. Define Your Must-Haves vs. Nice-to-Haves Every buyer should create two lists before touring homes. Must-Haves These are the features you truly cannot live without. Examples include: First-floor primary bedroom Home office Two-car garage Fenced yard Central air conditioning Specific number of bedrooms Fireplace School district Accessibility features Nice-to-Haves These are features you'd love but could live without if everything else is right. Some examples include: Finished basement Walk-in pantry Three-season room Hardwood flooring Outdoor kitchen Pool Vaulted ceilings Large front porch Separating wants from needs helps buyers stay focused and make confident decisions when inventory is limited. Think Beyond Today One of the biggest mistakes buyers make is purchasing only for today's lifestyle. Instead, think about where you'll be five or even ten years from now. Ask yourself: Will your family grow? Will children eventually move out? Will aging parents need to live with you? Could you eventually work from home? Will stairs become more difficult over time? Is this your forever home or simply your next home? Planning ahead today can prevent another move sooner than expected. Every Lifestyle Calls for a Different Home There isn't one perfect house for everyone. Instead, the right home depends on how you live. Busy Professionals Low-maintenance homes often make the most sense for buyers with demanding careers. Many professionals prefer: Condominiums Townhomes Smaller lots Short commutes Newer construction Minimal exterior maintenance Less time maintaining a home means more time enjoying it. Growing Families Families often prioritize space and functionality over finishes. Important considerations may include: Additional bedrooms Yard space Nearby parks School systems Storage Flexible living areas Finished basements Neighborhoods with sidewalks or recreational opportunities A home should grow alongside your family. Empty Nesters and Rightsizers Many homeowners reach a stage where maintaining a large property simply no longer fits their lifestyle. For many, priorities shift toward: First-floor living Less maintenance Smaller homes Active adult communities Condominiums Being closer to family Lock-and-leave convenience for travel Rightsizing isn't about settling it's about finding a home that better fits your current lifestyle. Remote Workers Working from home has changed what buyers prioritize. Today's home office needs include: Reliable high-speed internet Strong cell service Quiet workspaces Flexible floor plans Rooms that can serve multiple purposes Comfortable Zoom backgrounds Sometimes an old formal dining room becomes the perfect home office. Don't Overlook the Details Some of the most important features aren't listed in the MLS. Ask questions like: How is the cell phone reception? How reliable is the internet? Are there HOA fees? What's included in those fees? Is there enough storage? Can the yard accommodate future plans? Is there room for an addition or accessory dwelling unit (ADU)? How close are hospitals, shopping, and major highways? These everyday details often have a bigger impact than upgraded countertops or trendy finishes. HOA Living Isn't for Everyone And That's Okay Some buyers love the convenience of condominium living. Others prefer complete independence. Living in an HOA often means: Snow removal Landscaping Exterior maintenance Shared amenities Less personal responsibility While HOA fees can seem high, many homeowners appreciate the convenience and peace of mind they provide. The key is deciding which lifestyle fits you best. A Home Is an Investment, But It's Also Where Life Happens Every home purchase is a financial investment. But it's also where birthdays are celebrated, holidays are hosted, children are raised, careers evolve, and memories are made. That's why buying based solely on finishes or square footage rarely tells the whole story. The goal isn't simply to buy a house. It's to find the place that feels like home. Partner With a Local Expert Finding the right home involves much more than browsing online listings. An experienced REALTOR® helps you think through the questions you may not have considered from commute times and neighborhood lifestyles to long-term planning and future resale value. At Boston Connect Real Estate, we take the time to understand your goals before recommending properties because every buyer's lifestyle is different. Whether you're searching for your first home, your forever home, or something in between, our team is here to guide you every step of the way. Ready to find the home that truly fits your lifestyle? Contact Boston Connect Real Estate today and let our experienced agents help you find more than just a house, we'll help you find the right place to call home. Watch our live video on Youtube!

Send us Fan MailThat HOA fee isn't just a line item, it's a financial system and a rulebook you're agreeing to live under. We dig into the HOA red flags homebuyers should take seriously before closing, especially if you're buying a condo or a home with shared amenities. We've both got strong opinions about property freedom, but we keep it practical and focused on what protects you: documents, numbers, and how the community is actually maintained.We start with a real client moment: the inspection gets cancelled because the HOA paperwork raises enough concerns that the buyers walk away. From there, we get specific about HOA financial health, what capital reserves are supposed to cover, and why high monthly dues do not automatically mean the association is prepared. We talk about reserve studies, upcoming major projects, and how underfunding can lead to brutal special assessments that owners may not be able to afford or sell their way out of.Then we zoom out to the everyday quality signals that tell the truth fast: the condition of common areas, signs of neglect, and whether anyone can even explain who is running the HOA. We also get into CC&Rs and the lifestyle rules that can blow up your plans, like bans on company vehicles, pet limits, restrictions on home based businesses, and rules around boats or RVs. If you want a clear checklist for HOA due diligence and a few hard lines to consider before you sign, this one will save you stress and money.If this helped, subscribe for more buyer focused guidance, share it with a friend shopping in an HOA community, and leave a review telling us your biggest HOA dealbreaker.Support the showTo learn more about Habitation Investigation, the Three-time Winner of the Best Home Inspection Company in the Midwest Plus the Winner of Consumer Choice Award for Columbus Ohio visit Home Inspection Columbus Ohio - Habitation Investigation (homeinspectionsinohio.com) NBC4 news segments: The importance of home inspections, and what to look for | NBC4 WCMH-TVAdvice from experts: Don't skip the home inspection | NBC4 WCMH-TVOSU student's mysterious symptoms end up tied to apartment's air quality | NBC4 WCMH-TVHow to save money by winterizing your home | NBC4 WCMH-TVContinuing Education for Ohio Agents Scheduled classes Continuing Education for Ohio Agents Course listings...

Send us Fan MailIt's Colby's favorite time of the year... SHARKS!!!!!Today were talking about:The world has drowned.Not in sorrow… but in saltwater and poor decisions.Humanity clings to scraps of civilization, while above them & no, within them a new empire rises. Not of kings. Not of gods. But of sharks… that may or may not be psychic.Empire of the Sharks (2017) is a meditation on power, control, and what happens when you give ocean predators the political structure of a failing HOA.Drifters become rebels.Water becomes law.And somewhere, somehow… a shark is in charge.

VOV1 - Sau nhiều tháng tiến trình ngoại giao gần như rơi vào bế tắc, Tổng thống Mỹ Donald Trump và Tổng thống Ukraine Volodymyr Zelensky dự kiến hôm nay (28/7) có cuộc gặp tại Nhà Trắng, trong khuôn khổ chuyến thăm Mỹ của Nhà lãnh đạo Ukraine.Với những thay đổi liên tục trên thực địa thời gian qua, hai bên đang kỳ vọng có thể phối hợp xây dựng một gói đề xuất hòa bình mới để chuyển tới Nga.Hiện một số quan điểm cho rằng, Nga có thể đã cởi mở hơn trong việc thiết lập một lệnh ngừng bắn hạn chế trên không, khi Ukraine gia tăng các cuộc tấn công vào sâu trong lãnh thổ Nga. Tuy nhiên, phản ứng thận trọng của Nga cùng những lời cảnh báo sẽ tiếp tục theo đuổi những đề xuất phù hợp lợi ích của Moscow cho thấy, con đường đi tới sự đồng thuận vẫn còn nhiều chông gai. Cuộc trao đổi giữa BTV Phương Hoa và các PV Quang Trung - TT tại Mỹ và PV Hương Trà - TT tại Nga sẽ góp thêm góc nhìn cùng quí vị.Ông Trump hội đàm với ông Zelensky tại Phòng Bầu dục với sự hiện diện của giới truyền thông - Ảnh: REUTERS

It's the toughest role reversal we face in life: stepping in to manage aging parents' finances. As parents get older, it's common for physical health to take priority while finances take a back seat.  Clark breaks down the vital lessons on elder-parent care. Waiting until a crisis or a parent's passing to look for wills, passwords, and bank accounts guarantees chaos later. Also, Clark tackles a growing budget buster for some homeowners: surging HOA and condo fees. What used to be a minor monthly expense has turned into a massive financial strain due to "amenities creep" and inflation. Clark warns that an HOA acts like its own taxing authority with the power to fine you or even foreclose on your home, making it vital to know exactly what you are signing up for before you buy. If you already live in a community where the board is running amuck, Clark shares his personal experience serving on three different boards and explains why organizing with your neighbors and running for a seat is the ultimate way to protect your wallet. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 27, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Oversight Beats Hindsight: Aging Parents: Segment 1 Ask Clark: Segment 2 HOA & Condo Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Checklist: What to discuss with aging parents about finances NYTimes: 5 Money Lessons From Readers in the Trenches of Elder-Parent Care How Two Clark-Approved Annuities Can Reduce Retirement Stress  Why Your HOA Fees Are Skyrocketing⁠ Should You Make Your Child an Authorized User on Your Credit Card? What Is a Secured Credit Card and How Does It Work? - Clark Howard The Biggest Investing Lesson From Trump Accounts Cheapest Way to Rent a Car: Expert Tips - Clark Howard  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

Ngẫm ngộ từ Phẩm 'Thí Dụ' - Phẩm 3 Kinh Pháp Hoa: "NHÀ LỬA" chính là thế giới chúng ta đang sống!

The home is in an HOA and a 55+ community. https://www.lehtoslaw.com

Nhiều người biết đến bà Nguyễn Kim Hương qua thời gian bà tham gia Ban Chấp hành Cộng đồng Người Việt Tự do Victoria. Nhưng phía sau vai trò ấy là câu chuyện của một người phụ nữ gốc Hoa, từng làm điều dưỡng, kinh doanh tiệm tạp hóa và quán ăn, rồi dành nhiều năm đóng góp cho cộng đồng. Trong chương trình Gặp gỡ người Việt ở Úc, bà chia sẻ về hành trình học ngôn ngữ, động lực dấn thân và niềm tin vào sức mạnh của sự gắn kết cộng đồng.

If your lender or agent just said the words non-warrantable condo and your stomach dropped, you're not the only one. I've had that exact conversation more times than I can count, and most of the time it's not the deal-killer people assume it is.I own a condo myself in Camarillo, CA, and I've sat in an HOA meeting and personally voted no on a special assessment because I knew exactly what it would do to financing for the entire complex. That kind of vote is what quietly turns a normal building into a non-warrantable condo mortgage situation, and most buyers never see it coming until they're already mid-escrow.Here's what I'm covering in this one:✅ What is a non-warrantable condo and why the label gets slapped on more buildings than people realize✅ The fannie mae condo requirements your building actually has to meet to stay "warrantable" in the first place✅ Why HOA litigation condo loan risk is the single biggest reason condo deals fall apart across the state✅ The real non-warrantable condo rates premium, 0.25% to 0.375% higher, even if you're putting down 20% or more✅ Why buying a non-warrantable condo still means a 10% minimum down payment on most loan programs✅ If you're financing a non-warrantable condo in California, why these buildings tend to be some of the most litigious in the country✅ What rising condo insurance problems are doing to buildings statewide heading into next year✅ A simple due diligence checklist so you or your agent catch this before it kills your dealConsider this non-warrantable condo explained the way I'd actually walk a client through it, not the way it reads in an underwriting manual. I'm not trying to scare anyone off condos. I'm trying to make sure the HOA doesn't blindside your financing the way it almost did in my own building.

Home with Dean Sharp Hour 2 (07/25) - It’s an all-calls day on The Dean Sharp Show. Dean answers practical home‑service questions—from how temperature changes affect attic insulation and better ways to add insulation, to diagnosing when an A/C needs replacement and repairing a water‑damaged window. Dean also dives into lawsuits and HOA issues, advises on choosing colors for fading artificial grass, and helps a caller improve the taste and safety of vacation‑home water sourced from a well with filtration options.See omnystudio.com/listener for privacy information.

Send us Fan MailA 28-year-old inherits her father's home, the kind of handoff most families see as a final act of love, and then the HOA tells her she cannot live there because the neighborhood is a 55+ community. That's the real-world situation unfolding in Jacksonville, Florida, and it forces a question most homeowners avoid until it's too late: who really controls a house once an HOA's rules collide with your life?

Trade in those thirsty water hogs for some of these water-wise options   Do water shortages have you (and your garden) stressed? This episode is all about the toughest, thirst-averse plants out there — and how to build a landscape that thrives even when the rain is nowhere in sight. On this episode we have two expert guests from two very different climates: one in the Mid-Atlantic and one from the Southwest. Each of them will share the plants that they turn to when the conditions are dry and watering every day is out of the question.   We'll talk through which plants need a little help getting started versus which ones you can practically set and forget, and how to group plants with similar water needs so you're not overwatering your survivors to keep your divas alive. Whether you're xeriscaping a whole yard from scratch, converting a thirsty lawn bit by bit, or just trying to keep your patio containers alive through a brutal heat wave, tune in for practical, plant-nerd-approved advice.  Get the plant list for this episode on the Fine Gardening Website: https://www.finegardening.com/podcast Episode Experts: Ed Lyon is a horticulturist, an author, the former director of the Reiman Gardens at Iowa State University in Ames, and a frequent contributor to Fine Gardening magazine. He is nationally recognized as a top-tier garden educator with decades of experience helping gardeners cultivate beautiful, resilient landscapes. After many years in the Midwest, Ed relocated to Pennsylvania and launched Spellbound Garden Writing & Consultation.  Natalie McAnarney, known online as The Plant Ninja, is a Texas gardener and YouTube creator based about an hour north of Austin. A former U.S. Army officer who now works as a physician assistant, she began transforming her lawn into native and adapted plantings in 2020. Through her YouTube channel, The Plant Ninja - Texas Gardener, she documents her de-lawning projects and plant choices and features others in horticulture taking on similar approaches.   Natalie's efforts have also made her an advocate for drought-tolerant landscaping, after successfully persuading her HOA to approve a large-scale native-plant conversion of her front yard by citing Texas law protecting homeowners' rights to xeriscape.  

Ever wondered what happens when paranoia, hatred, and absolute distrust become the foundation of an entire civilization? Welcome to Shadar Logoth. In this episode of The Black Tower Podcast, Andrew, Josh, and Reese take a deep dive into one of the most terrifying and fascinating locations in The Wheel of Time. From its origins as the proud city of Aridhol to its transformation into the cursed ruins of Shadar Logoth, we explore the rise of Mordeth, the creation of Mashadar, the city's influence on Mat Cauthon and Padan Fain, and why even the Shadow wanted nothing to do with it. Join us as we uncover the history, lore, symbolism, and lingering mysteries behind the city where the HOA really is brutal. ⚠️ Full-series Wheel of Time spoilers ahead! If you enjoy deep lore discussions, theories, and plenty of laughs along the way, don't forget to like, subscribe, and let us know in the comments: Would you risk exploring Shadar Logoth if you knew what was waiting inside?

Netflix Is Struggling to Stay on Top…. and the Stock Reflects It For years, Netflix has been the dominant force in streaming, consistently taking market share from its competitors. However, recent data suggests the competition is beginning to chip away at that lead.   Netflix reported earnings last week, and the results showed a company that is executing well. Profits continue to grow, customer cancellations remain among the lowest in the industry, and the company is still producing blockbuster franchises like Bridgerton and Stranger Things that attract millions of viewers.   The concern in the report wasn't profitability, it was engagement. Viewer engagement measures how much time subscribers spend watching content and how often they complete a movie or series. The more engaged customers are, the less likely they are to cancel their subscription in favor of another streaming service. That's why this metric is so important.   Netflix still accounted for 7.8% of total TV viewing in April, making it the largest subscription streaming platform. However, that was its lowest share since May 2025, suggesting competitors are gradually gaining ground.   The stock has reflected those concerns, declining roughly 40% over the past year despite continued earnings growth. I've always liked what Netflix co-founder Reed Hastings had to say as he frequently emphasized the importance of staying focused and keeping the business simple. That's a philosophy that has served our investment firm well over the years.   Now, with increasing competition from Disney, HBO Max, YouTube, and others, Netflix is reportedly exploring additional subscription offerings similar to what Amazon and Apple provide. Personally, I think that would be a mistake.   At this year's Emmy Awards, Netflix earned 111 nominations. Instead of expanding into new subscription services, why not invest even more heavily in creating award-winning shows and movies? If they produced enough quality content to earn 120 or even 130 Emmy nominations next year, subscriber engagement would likely take care of itself.   Sometimes the best strategy isn't to do more, it's to do one thing exceptionally well. What do you think? Have you canceled or considered canceling your Netflix subscription? Or do you still believe Netflix offers the best streaming service?   U.S. oil supplies are falling to concerning levels U.S. oil inventories have fallen to levels that should be a concern. The current U.S. oil stockpile is just under 410 million barrels. On a seasonal basis, we have not seen inventories this low since 2018. The seasonal comparison is important because summer is one of the highest-consumption periods of the year.   The U.S. consumes about 20.6 million barrels of oil per day, produces approximately 13.9 million barrels per day, and relies on imports for roughly 7 million barrels per day. At the same time, the United States exports about 4 million barrels of oil per day, likely because companies can receive higher prices for that oil in international markets. If we somehow stopped producing and importing oil entirely, the current commercial stockpile would last roughly 20 days.   The Strategic Petroleum Reserve, which has been reduced to approximately 317 million barrels, is also at its lowest level since 1983. At current consumption rates, that reserve would represent roughly 15 days of consumption.   Replenishing U.S. oil inventories to higher levels could take many months or even years. Now with WTI oil around $90 a barrel that higher price could actually be a good thing.   You may be wondering why I would say that, especially since higher oil prices often mean higher gas prices at the pump, but higher gas prices may encourage consumers and businesses to reduce their energy consumption. A lower consumption rate could help slow the decline in inventories and give the U.S. a chance to rebuild its oil supplies.   Over the last six months, have you found yourself reducing your energy usage? And do you plan to reduce your consumption going forward?   Banks Had a Great Quarter, Is It Time to Invest? Last week, the banks reported financial results that topped estimates for both earnings and revenue. They also showed improved efficiency as expenses declined as a percentage of revenue. After such a strong quarter, you might think the coast is clear and it's time to invest in the banking sector.   For the cautious investor, however, it's important to look at the other side of the coin. I'm not expecting the banks to fall dramatically but returns going forward could be more muted because of several factors.   First, there is net interest margin, which measures the difference between what a bank earns on its assets and what it pays depositors and debt holders to borrow money. Banks now have very large balance sheets, so even if net interest margins decline, the dollar amount of profits can remain substantial. However, further pressure on margins could still become a headwind for future earnings growth.   There are also other risks for conservative investors to consider. The ongoing situation with Iran could create additional uncertainty. The AI boom could experience a rough patch, and while the economy and labor markets appear strong right now, investors cannot ignore the possibility of an economic slowdown.   Rising interest rates could also prove difficult for banks if rates move significantly higher from current levels, potentially putting pressure on their profit margins. The good news is that bank valuations are not excessively high, which could help limit the downside risk in the event of a market pullback.   To be clear, we are not anticipating a major decline in the banks we hold in our portfolio. However, investors should make sure the banks they own have very strong balance sheets. Strong capital positions and manageable debt can help reduce downside risk if the economic environment becomes more challenging. A strong quarter is certainly a positive sign for the banks, but investors should remember that great earnings today do not always guarantee great returns tomorrow. Valuation, balance-sheet strength, and the economic environment will all play an important role in determining future returns.   Are new homes actually a better deal than existing homes? There is an interesting trend developing in the housing market: the median price of a newly built home is now lower than the median price of an existing home. Historically there has been about a 20% premium for new homes.   At first, that sounds surprising. New homes are typically more expensive, so how can they now be cheaper? One major reason is that the type of new homes being built and sold has changed. Builders are increasingly focusing on smaller homes, townhomes, and more affordable developments. Townhouses now account for about one in five new single-family homes, which is the highest share since the National Association of Home Builders began tracking the data in 1985. In many cases developers are focusing on attainable homes for the middle-class which means the homes are roughly 1,200 to 2,000 square feet on smaller lots. As a result, the median price of a new home can look lower than the median price of an existing home, even though that doesn't necessarily always mean buyers are getting more house for their money.   In other words, the comparison isn't always apples to apples. A new townhome or smaller home may have a lower price than an older, larger single-family home. That can make new construction appear to be a better deal, but buyers need to carefully consider what they are actually comparing.   There are some real advantages to buying new. Builders are offering incentives such as mortgage-rate buydowns and assistance with closing costs. These lower rates make the monthly payment lower and more achievable than a comparable existing home. New homes typically require less maintenance, come with modern finishes and new appliances, are more energy efficient, and often come with warranties.   But there are risks and a big one many people may not consider is lower resale value. Many of these new home developments only provide a handful of floorplans and they are built on a smaller parcel of land, which leads to less distinctive homes. If you go to sell your home within a few years, you may also be competing against the homebuilder if new homes are still being built in the community.   The bottom line: new homes may offer some of the best deals in the housing market right now, but buyers need to look beyond the headline numbers. Compare the size, location, price per square foot, HOA fees, upgrades, and the total monthly cost. A new home may be a better deal than an existing home, but make sure you understand exactly what you are getting for your money.   Stock Trading Is Off the Charts! There is a frenzy happening in the stock market right now. With individuals buying and selling stocks, along with institutional investors constantly trading, Wall Street is generating enormous trading fees. But one has to ask the question: Does all of this activity make sense?   U.S. average daily trading volume in equities and options hit a record in the second quarter, with 73 million options contracts and 20 billion shares traded. Think about that number for a minute: 20 billion shares of stock changing hands over just three months. Let that sink in.   We have not seen this much activity in individual stocks since the end of the dot-com bubble, and we all know how that turned out.   The good news is that, with this frenzy of stock trading, more people are beginning to seek professional help managing their portfolios. The bad news is that many brokers are really just salespeople who may not have a strong investment philosophy or truly understand what they are doing. They will simply ride the wave until the crash comes, just as happened at the end of the tech bust.   Back then, even a year after the market had collapsed, some brokers were still telling their clients to stay invested because the market would eventually come back. I remember an old saying I learned when I first entered the industry: “The broker knows the price of everything and the value of nothing.”   It took the Nasdaq more than 15 years to get back to breakeven after the dot-com bubble burst when it fell close to 80% from top to bottom. That is why it is so important, when seeking financial advice, to understand the investment philosophy of the broker or investment adviser you are working with. Does their philosophy make sense to you? Does it align with your goals? And, most importantly, does it make sense for your portfolio?   When markets are rising and everyone is making money, almost any strategy can look brilliant. The real test is what happens when the frenzy ends.   If it sounds too good to be true, it probably is! A recent story in Barron's highlights a warning that applies to everyone, not just professional athletes.   Several current and former professional athletes reportedly invested in an online business opportunity that sounded too good to be true. Three former NFL players were interviewed by Barron's and collectively they said they lost more than $1 million. The pitch was simple: invest at least $50,000 in an online store and they'll handle everything from social-media marketing to manufacturing store inventory. Investors were told they would get their original investment back within six months, and then receive 80% of the profits.   Sounds like a great deal, right? Unfortunately, according to the investigation, it appears the sales weren't real. The stores were built using Shopify and appeared to be generating significant revenue. But investigators reportedly found questionable orders, including one $5,000 order for 100 desktop humidifiers and 120 USB-powered cup warmers. The person at the shipping address said they never placed the order and “Who needs 100 humidifiers and 120 cup warmers?” There were also other red flags including one e-commerce site, Dailyprodtrend, doesn't appear in Google search results and the web address is just a random string of numbers and letters.   The scheme is run by a 24-year-old entrepreneur named Mohamed Coulibaly and to gain credibility he used celebrity connections citing the names of about two dozen current and former pro athletes and other public figures as clients in a pitch deck. He also has created an image of wealth and success with one athlete saying he saw what appeared to be $25 million in a business account that Coulibaly showed him on a cellphone screen. It's important to remember that no matter how successful someone appears or how many famous people they know you still need to do your own due diligence.   A big problem is the websites were just the beginning of what appears to be a longer con. Once investors had their Shopify login credentials, they were given the impression the business was healthy due to these “fake” orders and then were presented with an even bigger bet that involved the Dubai investment firm Middle East Venture Partners. Unfortunately, this appears to have led to more red flags and still no return on investment.   Before investing, you should independently verify the revenue, customers, expenses, bank statements, contracts, and the actual business itself. Don't simply rely on an online dashboard or someone else's claims about how much money is being made.   The bottom line: If it sounds too good to be true, it probably is. And the more exciting and guaranteed the opportunity sounds, the more skeptical you should become.   Financial Planning: Conservation Easements: Valuable Planning Tool or Tax Trap? Conservation easements are a tax planning strategy that allows a landowner to permanently donate certain development rights to a qualified conservation organization in exchange for a charitable income tax deduction equal to the reduction in the property's value. When used as Congress intended, they can provide meaningful tax benefits while preserving land for future generations. For example, a family that owns a 1,000-acre ranch valued at $10 million may have no intention of developing the property and want to ensure it remains open space permanently. By donating a conservation easement that limits future development, the property value may decline to $6 million, creating a $4 million charitable deduction while allowing the family to continue owning and using the land. This type of transaction aligns with the purpose of the law because the conservation benefit is the primary goal and the tax deduction is an incentive. However, taxpayers should be cautious of strategies that appear too good to be true. In recent years, the IRS has aggressively challenged syndicated conservation easement transactions that were marketed primarily as tax shelters. In these arrangements, investors often contributed a relatively small amount of capital to a partnership that acquired land, and promoters claimed the donation of a conservation easement created deductions several times larger than the investors' original contribution. For example, an investor might contribute $250,000 and be promised a $1 million charitable deduction based on an aggressive property valuation. Many of these transactions relied on inflated appraisals and lacked a genuine conservation purpose, resulting in significant IRS scrutiny, disallowed deductions, penalties, and litigation. While conservation easements can be used in specific situations, they should be approached with caution and used only when there is a legitimate conservation objective. As with many tax strategies, a benefit that appears disproportionately large compared to the underlying economic activity is often a warning sign that additional due diligence is needed. Are Porsche Cars Losing Their Excitement? Porsche cars have long been known for their high-end, exciting sports cars. But lately, the company has been losing sales compared with last year.   Porsche faces plenty of competition, but its global deliveries were down 16% during the first six months of 2026 compared with the same period in 2025. Last year, the company benefited from strong demand for the electric Macan, while it also ended production of the gasoline-powered 718.   The company was also hurt by the loss of U.S. tax incentives for electric vehicles, which contributed to the decline in sales. Porsche sold 37,712 vehicles in North America, a 13% decline from last year. China, which accounts for roughly 10% of Porsche's sales, saw an even larger drop, with sales falling 32% to 14,501 vehicles.   The price of a Porsche starts at around $65,000, but the average transaction price is closer to $125,000. And if you know anything about these cars, you also know that the maintenance and upkeep can put significant pressure on your wallet. You would think that if you're spending $125,000 on a car, you shouldn't have to spend a fortune maintaining it. But that can be part of the trade-off when owning a high-performance luxury vehicle.   So, are Porsche cars losing some of their excitement? Would you be willing to spend $125,000 on a new Porsche, or would you rather purchase a less expensive American car?   Time to Say Goodbye to EV Car Maker Polestar? I would occasionally see Polestar vehicles on the road, and I believe the company even has a dealership at UTC Mall. However, I didn't know much about the company and was surprised to learn just how complicated its ownership structure is.   Polestar is closely tied to Volvo, which is 79% owned by the Chinese company Zhejiang Geely Holding Group. The automotive world has become incredibly complicated over the years. I always thought of Volvo as a Swedish company, but that is no longer technically the case.   The ownership change began in March 1999, when Ford Motor Company paid $6.5 billion to acquire Volvo. However, Ford later sold 79% of Volvo to Geely in August 2010 for approximately $1.8 billion. The remaining 21% is publicly owned through stock ownership. In other words, Ford appears to have taken a significant loss on its investment.   Now, Polestar is facing serious challenges in the United States. The U.S. government is concerned about the company's connection to China and the possibility that data collected by the vehicles could be accessed by the Chinese government. As a result, new Polestar vehicles are no longer expected to be sold in the U.S.   What is strange, however, is that Volvo vehicles are still being sold in the United States, even though Volvo is also majority-owned by Geely. The situation shows just how complicated the relationship between the U.S. auto market and Chinese ownership has become.   There are currently reports of fire-sale discounts on Polestar vehicles, with some discounts reportedly reaching as much as $25,000 just to move the cars. These vehicles originally sold for roughly $55,000 to $75,000 when new.   I'm not sure who would want to purchase one at this point. The biggest concern may not even be the vehicle itself, but what happens to service and support for existing owners. It is possible that Volvo will continue servicing Polestar vehicles, but I would be skeptical about whether maintaining a separate service infrastructure for the brand will be worth the company's time.   After all, relations between the United States and China are currently far from ideal. For Polestar owners, that could create some serious questions about the future of their vehicles.   The New Tobacco Companies The three remaining major players in the tobacco industry are Philip Morris International, British American Tobacco, and Altria Group. It should come as no surprise that the number of cigarettes sold in North America has dropped by about 33% since 2020, while the number of tobacco smokers continues to decline rapidly.   But don't be fooled: Tobacco companies have developed smoke-free products that are gaining popularity, but that does not mean they are healthy. The two primary alternatives tobacco companies are now selling are vaping products and something called an oral nicotine pouch.   It is easy to see when someone is vaping because of the large clouds of vapor produced. Nicotine pouches, however, are much less noticeable. They are placed between the front of your teeth and your lip, similar to chewing tobacco. The difference is that you don't need to spit out saliva every few minutes because the nicotine is slowly released into your system.   Currently, in North America, about 7% of the population vapes, up from 3.7% in 2020. Nicotine pouches are also growing rapidly, although you can't see who is using them. In 2024, approximately 23 billion nicotine pouches were sold worldwide, a 50% increase from 2023.   Make no mistake: Both of these products contain nicotine, which is highly addictive and keeps people coming back for more. Some may believe that nicotine pouches are simply a way to move away from cigarettes, but that isn't necessarily the case. The pouch itself can become addictive as well.   Tobacco stocks have performed well, with some nearly doubling over the last few years. More institutional investors who previously dumped these stocks for ethical reasons are now returning because of the growth of smoke-free products.   It all sounds like smoke and mirrors to me. There are simply too many issues surrounding nicotine and the addictive nature of these smokeless products for me to feel comfortable investing in the tobacco industry.   Companies Discussed: Fiserv, Inc. (Ticker: FISV)

A 28-year-old inherits her late father's home in a 55+ community—and the HOA wants her out.The crew debates whether exceptions should be made for unique situations.Is the HOA protecting the community or taking things too far?Launa argues that if she's not causing problems, they should leave her alone.A conversation about rules, compassion, and whether common sense should outweigh HOA policies.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today, Tiberius sits down with attorney, mediator, community leader, and judicial candidate Asima Azam to explore the fascinating world of law, fairness, conflict resolution, and what it takes to become a judge.Have you ever wondered what happens when neighbors disagree? Who helps communities solve problems? Or what judges actually do all day? In this episode, Asima shares her experiences from more than 23 years practicing law and explains how attorneys, mediators, and judges help people work through difficult situations and find fair solutions.In this episode, you'll discover:• What an HOA attorney actually does• How mediators help people settle disagreements without going to court• What county judges do and why fairness matters in the courtroom• Why communication and listening are important life skills• The role of critical thinking, debate, and public speaking in legal careers• How students can prepare for careers in law and public service• Why community service and giving back are important parts of leadership and legacyAsima also shares stories from her work involving homeowners associations, emotional support animals, community disputes, tax appeals, and the challenges judges face in today's legal system. Along the way, Tiberius and Asima tackle another Math Corners challenge and discuss nobility, generosity, and putting others first during this week's Heart of the Lion segment.Whether you're interested in becoming a lawyer, judge, mediator, or simply want to learn more about how fairness and justice work in everyday life, this episode is packed with valuable lessons for kids, parents, and future leaders alike.Be sure to like, subscribe, and leave a comment letting us know: If you could make one rule for your community, what would it be?Become a supporter of this podcast: https://www.spreaker.com/podcast/the-tiberius-show--3352195/support.

Ray Schwetz gets business empowerment from Vincent Malizia, Chief Culture Officer at A-1 Roofing,  a second-generation, family-owned roofing company serving the Tri-State for over 40 years.  Whether it's a residential home, commercial building, condominium or HOA. A-1 Roofing delivers trusted roofing solutions backed by decades of experience.

VOV1 - Nghị quyết ĐH Đảng bộ thành phố Hà Nội nhiệm kỳ 2026-2031 xác định phát triển nông nghiệp sinh thái, hiện đại, ứng dụng công nghệ cao, gắn với kinh tế tuần hoàn và chuyển đổi số là một trong những động lực quan trọng để xây dựng Thủ đô văn minh, xanh và phát triển bền vững trong kỷ nguyên mớiTừ những định hướng đó, nhiều mô hình sản xuất trên địa bàn thành phố đang chuyển mạnh từ tư duy "sản xuất nông nghiệp" sang "kinh tế nông nghiệp", tạo ra giá trị gia tăng cao, bảo vệ môi trường và nâng cao sức cạnh tranh của nông sản Thủ đô. Trang trại chăn nuôi của Công ty Cổ phần Giống gia cầm Ngọc Mừng do ông Hoàng Mạnh Ngọc làm chủ nằm biệt lập giữa cánh đồng của xã Thư Lâm, thành phố Hà Nội, cách xa khu dân cư, tạo ra một không gian hoàn toàn biệt lập cho hoạt động chăn nuôi.Ông Hoàng Mạnh Ngọc cho biết, trước đây cơ sở chăn nuôi của ông cũng chỉ là một mô hình nhỏ lẻ nằm trong khu dân cư. Nhờ chủ trương dồn điền đổi thửa cùng sự tạo điều kiện của chính quyền địa phương, trang trại được chuyển ra khu sản xuất tập trung, mở ra điều kiện để đầu tư bài bản theo hướng hiện đại, thân thiện với môi trường và từng bước hình thành mô hình chăn nuôi tuần hoàn, đạt tiêu chuẩn VietGap."Rất may mắn, từ năm 2015, Đảng, Nhà nước có chính sách dồn điền đổi thửa, nên tôi đã đầu tư được ra khu vực này và được dồn điền đổi thửa thành một mảnh đất rộng. Từ đó, tôi phát triển chăn nuôi ra ngoài khu dân cư và cũng được chính quyền địa phương ủng hộ, phê duyệt dự án và tôi đã xây dựng trang trại sản xuất giống gia cầm này. "Anh Hoàng Mạnh Ngọc tại trang trại gà của mình.

Are you struggling to find reliable cash buyers in your virtual wholesaling markets? Do you find yourself overwhelmed by too many strategies and making zero progress? In Part 2 of this live masterclass, Brent Daniels breaks down the specific tactics seven-figure real estate businesses are using to dominate in 2026. You will discover exactly how to infiltrate local Facebook groups, why networking with escrow officers is the ultimate buyer-finding hack, and how to successfully navigate the lucrative world of post-foreclosure surplus funds. Brent also shares his rigid 50-10-5 rule for structuring creative finance deals so you do not end up holding a sinking ship. If you want to hit your first $100,000, it is time to strip away the distractions and survive the 90-day filter. Be a part of the TTP training program now.---------Show notes:(0:47) The exact script to use when contacting Zillow listing agents for virtual buyers(2:07) Why asking for escrow officers instead of title companies reveals the best cash buyers(4:21) The massive untapped potential of recovering surplus funds after a foreclosure sale(7:22) How to tap into the $300 million a month generated from HOA and tax foreclosures(8:19) Why recovering surplus funds requires absolutely no market knowledge or property comping(9:26) How seven-figure wholesalers use AI to scrape and nurture real estate agent lists(11:13) The brutal reality of the 50% cancellation rate when relying on virtual agent referrals(13:55) The exact roadmap to your first $100K: One market, one strategy, one avatar(14:47) The 90-Day Filter and why staying laser-focused separates the top 5% of investors(19:48) How to protect your wholesale deal when the heir is not officially on the title yet(27:33) The 50-10-5 Rule and Brent's strict formula for structuring profitable creative finance deals----------Resources:Learn SurplusInvestorBasePropWireREI PulseTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community  are endless, what are you waiting for?

We broke a record, a bear on a power pole, the Jason Alexander drama, a very sexy Pick a Side, a fight over a gym, Shawn is getting cancelled, an update on the mom who killed the man under her teenager's bed, an HOA lady freaks out over stairs, a big drama over a cemetery dumpster and so much more!See omnystudio.com/listener for privacy information.

WHOSE AI SHOULD FRIGHTEN YOU MORE? A Beijing startup gave away an AI for free last week and knocked the American chip market into a bear market before lunch, and the two biggest names in American tech ran to Washington calling a free download a threat to your safety. We're also on the flag an HOA won't let a family fly, and the war power Congress hasn't used since 1942.

A 28yr old woman in Jacksonville, Florida is being booted from her Dad's 55-plus community. She moved into the community with her Dad to take care of him and when he passed away, the HOA decided to enforce the age requirement and now, she's being forced to move. Do you think this is right?

Mark, Melynda & Ed South Austin homeowners are dealing with damages from a drainage ditch Landlords in New York City are suing the city for the recently enacted rent freeze 20 years ago Austin voters gave the city permission to buy the old Home Depot property Homeowners in North Carolina are furious with their HOA for not doing anything about the teens damaging their property See omnystudio.com/listener for privacy information.

JLR is using duct tape to hold up part of his car. Tomas listens to the show. Woman leaves chicken on her counter for six months. Communal wiping sponge. Is Duji's air conditioning still out? B2's scooter was run over. Who pays for police escorts? Man claims him and his family were urinated on at the Morgan Wallen show. Gia is heading to cheer camp for the week. Woman inherits her father's house, but the HOA will not let her live in their senior community. Circle K lottery ticket winner update. Bryson DeChambeau threatens to call President Trump over Open Championship penalty. Rover opens a certified letter sent to Duji. Trike. Maternal Instincts. My Father the BTK Killer. See omnystudio.com/listener for privacy information.

Who pays for police escorts? Man claims him and his family were urinated on at the Morgan Wallen show. Gia is heading to cheer camp for the week. Woman inherits her father's house, but the HOA will not let her live in their senior community.See omnystudio.com/listener for privacy information.

The Tim Conway Jr Show Hour with Andy Riesmeyer Hour 3 (7.20) Everyone’s favorite bald eagle Jackie got jumped in a gang-style turf war with other eagles in Dana Point Park near Big Bear — she was rescued with no major injuries and is expected to make a full recovery. Garbage trucks with cameras to spy on homes for code violations? The idea was floated in parts of Florida and it’s giving major HOA-on-steroids vibes. Meanwhile, a shredded lettuce recall linked to the cyclosporiasis parasite is hitting fast food chains like Taco Bell, leaving thousands with explosive diarrhea. Listener TalkBacks are fired up over EV battery obsolescence, Trump’s moves on the CDC, and whether that’s why the U.S. is awash in stomach issues. And in this brutal heatwave, sticky-fingered thieves in Pasadena are ripping air conditioner units from businesses (including vet clinics and bakeries) — not for the cool air, but for the valuable scrap metal inside. See omnystudio.com/listener for privacy information.

Here we go again... 50 House Republicans are pushing to give illegal alien farm workers amnesty. DHS has released ICE deportation statistics: over 350k deportations thus far in 2026. The Dems' replacement for Graham Platner also has a history of having a bad temper with women. Maine's viral trans Senate candidate Ashley Webb claims he menstruates... it has to be trolling at this point. An HOA in Florida is trying to force a 28-year old woman out of her legally inherited home over 55 and over community rules.    Join UNGOVERNED on LFA TV LIVE every MONDAY - FRIDAY from 10am to 11am EASTERN!    www.FarashMedia.com www.LFATV.us www.OFPFarms.com https://www.SLNT.com/SHAWN  https://www.CovePure.com/SHAWN 

Ryan, Dana, and Read Shepherd discuss a 28-year-old Florida influencer who says her HOA is forcing her to leave the 55-plus community home she inherited from her father.See omnystudio.com/listener for privacy information.

By now you've probably seen me post on social media that I sold my condo in Puerto Rico, and the reactions have been... a lot. So let's get into it. In this solo episode, I'm taking you behind the scenes of why I bought that condo right after my divorce, what it represented to me, and why — three and a half years later — I decided to let it go. This is not a "never sell real estate" episode. This is a "your life changes and so should your money moves" episode. We're talking numbers, we're talking mindset shifts around debt and leverage, and we're talking about what's next: a fixer-upper flip in Florida with my husband, and a bigger PR condo for our family. Grab a coffee (or a copa), this one's personal.WE DIVE INTO:02:20 – The origin story: buying the condo after my divorce06:59 – What the condo really represented — reclaiming my connection to the island09:17 – What changed: becoming a mom, remarrying, outgrowing the space11:39 – The HOA drama and why the condo stopped making sense13:56 – Let's talk numbers: what I paid vs. what I sold it for16:19 – The plan: flipping a fixer-upper in Florida with my husband18:45 – Reframing my relationship with debt21:04 – Why I'm financing the next PR condo instead of paying cash23:19 – The real lesson: alignment over accumulation25:42 – The emotional side of letting go28:00 – Where to find my PR real estate guide + money tools30:25 – Rich Mommy Retreat + how to stay connectedKEY TAKEAWAYS:→ Your financial decisions should evolve as your life does — what worked for single you might not work for married-with-a-baby you→ Selling an asset isn't automatically a bad money move — rich people reposition capital all the time→ Debt and leverage aren't the enemy. Used strategically, they let you preserve cash and acquire more assets→ Cash purchases give you flexibility and control (hello, fixer-upper flip); mortgages can be the smarter move when you want to preserve liquidity→ You don't owe anyone an explanation for your money moves — get around people who understand the visionRESOURCES:Jannese's Instagram: https://www.instagram.com/yoquierodineropodcast/ Rich Mami Retreat: https://www.richmami.com/ FREE GUIDE: Buying Your First Property in PR: https://courses.yoquierodineropodcast.com/pr-real-estate TAKE THE NEXT STEP WITH YO QUIERO DINERO:

In this episode of Five's a Crowd, we dive deep into the most unhinged, infuriating, and unbelievable HOA horror stories on the internet. Thank you for being part of this crowd!Reddit- Our Subreddit: https://www.reddit.com/r/FivesACrowd- Our Account: https://www.reddit.com/user/FivesACrowdPodcastFollow Our Personal AccountsAustin - https://allmylinks.com/austinspomerCam - https://www.instagram.com/effinburch/Chris - https://www.instagram.com/thechrishummel/Tony - https://www.instagram.com/theonlytonyc/Zach - https://www.instagram.com/zvanbeekum/Hashtags#Podcast #Reddit #RedditStories #HOAstories #HitTheBell #HOAHorrorStories #MaliciousCompliance #HOANightmaresP.O. Box**Please no packages, letters only**Five's A Crowd Podcast1123 N Fairfield Rd #1373 Layton, UT 84041

Curious? Watch Our Money Makeover Bootcamp!Ready? Buy Our Simplified Budget System Now!Budget besties, budgeting does not have to mean rice, beans, and saying goodbye to every little thing that brings you joy.In this conversation, Shana and Vanessa break down what it really means to be “bougie on a budget”—and spoiler alert: it looks different for everyone. For one person, bougie might mean travel sports. For someone else, it might be vacations, horses, facials, massages, dining out, or getting their hair and nails done.The goal is not to copy someone else's budget. The goal is to build a budget that reflects your real life, your priorities, and the things that genuinely matter to you.We also talk about why so many women feel like they make good money but still have nothing to show for it. Often, the problem is not overspending. It is a lack of organization. When every bill, transfer, swipe, subscription, and expense comes out of one account, your money can feel like it disappears into a black hole.That is where the Budget Besties system comes in: simplify, separate, and automate.By separating bills from everyday spending, creating clear spending accounts, and planning ahead for expenses that happen throughout the year, you can stop doing mental math every time you swipe your card. You can see what is available, know what each dollar is for, and feel more confident about your choices.We also dig into the difference between a true emergency and an expense you simply forgot to plan for. Christmas, annual insurance premiums, car tags, pet visits, HOA fees, birthdays, and travel fees are not surprises. They may not happen every month, but they still belong in the budget.When we plan for those expenses in advance, we create a more consistent budget and reduce the financial roller coaster.This episode is a reminder that you are not bad with money. Most of us were never taught how to manage modern finances, and our financial lives are more complicated than ever. Between credit cards, subscriptions, payment apps, online shopping, and busy family schedules, it makes sense that things can feel messy.The solution is not shame. It is clarity, organization, and a system that supports your actual life.Let's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingConnect with [GUEST GOES HERE]:Check out Peggy here!This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.

Welcome back welcome back welcome back to the TSHE Iconic tv theme song bracket! We've culled, we've organized, and we're ready to reveal the lineups and winnow it down to the final few. Battles were fought, but like the dessert ranking previously, we realized we're pretty basic! But it wouldn't be TSHE without some tangents - funky composers, Patrick Swayze, Patton Oswalt included.In other news, Hillary saw the Minions movie and didn't completely hate it (thanks, wine) and cried hard at Toy Story 5 (again, thanks wine/nostalgia). Bobby is closing the Mayfair Lane chapter of his life (goodbye, HOA), but continuing his long-standing relationship with TBTL (hello, frog jumping).TSHE Recommends: Toy Story 5 (needs the Hillary bump)Gary Portnoy (not Dave's brother)Connect with the show!This is your show, too. Feel free to drop us a line, send us a voice memo, or fax us a butt to let us know what you think.Facebook group: This Show Has EverythingFax Bobby Your Butt: 617-354-8513 Feedback form: www.throwyourphone.com Email: tsheshow@gmail.comAOL Keyword: TSHE

D&P Highlight: Is an HOA finally in the right? full 347 Fri, 17 Jul 2026 20:39:58 +0000 oazS4ibHszwwAXwOYR0CEK0Tw9TejzeQ kansas city,kmbz,dana and parks,news & politics,news The Dana & Parks Podcast kansas city,kmbz,dana and parks,news & politics,news D&P Highlight: Is an HOA finally in the right? You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! © 2025 Audacy, Inc. News & Politics News https://player.amperwavepodcasting.com?feed-link

In this episode, Ben Sloman, an expert in HOA management with over 15 years of experience and top-tier credentials, shares insights on building a successful HOA management business, the importance of qualifications, and strategies for growth and client acquisition.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Send us Fan MailWhat happens when you walk onto a commercial pool deck expecting to provide a service quote... and instead discover a facility that should probably be closed?In this episode of Insurance Interlude, Steve Sherwood and Pat Grignon tackle one of the toughest situations a commercial pool professional can face: discovering serious code violations before you've even signed a contract.Steve shares a recent experience inspecting several HOA pools where years of neglected maintenance, questionable repairs, missing safety equipment, incomplete service logs, and improper chemical handling created significant liability concerns. The discussion quickly shifts from "Should I take this account?" to "How do I protect myself if something happens before I'm hired?"Whether you're servicing residential pools, managing commercial facilities, or growing your business, this episode is packed with practical advice on inspections, documentation, contracts, liability, and protecting both your customers and your company.In This Episode Why some commercial pools should never remain open until deficiencies are corrected  The importance of documenting serious safety violations immediately  When a service estimate becomes a potential liability issue  Improper plumbing repairs that violate code  Missing flow meters, bonding, grounding, and neglected maintenance records  Why incomplete service logs can become evidence in litigation  Chemical storage mistakes that can create OSHA and HazMat nightmares  The importance of secondary containment for liquid chemicals  Understanding the gap between inspections and signed service contracts  What happens when another company is still responsible for the pool  Residential versus commercial liability differences  How contract renewals and expired agreements can affect legal exposure  Why documentation is one of the best forms of risk management  The importance of educating prospective clients—even if they never hire you  Knowing when to walk away from a problematic customer Support the showThank you so much for listening! You can find us on social media:FacebookInstagramTik TokEmail us: talkingpools@gmail.com

It may be the doldrums of a long, hot summer but there is still plenty going on in the world of wildlife. For instance: they culled hundreds of urban geese in Alabama for a disgruntled HOA, Mississippi has new public land, a man in Georgia broke a blue gill record, and what are supposed to think of data centers? check it out! 

Ralph Pezzullo is a bestselling author and investigative journalist known for writing about military operations, intelligence, and organized crime. He has co-authored numerous acclaimed nonfiction books with military leaders, intelligence officers, and other notable figures. Robert Plumlee is a pilot and businessman best known for his claims of involvement in covert U.S. government operations during the Cold War. His accounts of intelligence-related missions have made him a controversial figure in discussions of the Iran-Contra era. Check out their new book “Deep Cover, Shallow Graves,” out now. IN THE NEWS: Patriotic Californians explode at HOA's ‘crazy anti-American' demand ahead of Fourth of July, ‘Worlds smallest penis' titleholder wants your money for enlargement surgery: ‘Daily frustration and embarrassment', Los Angeles man arrested for shooting BB gun at naked bike riders taking over the city, Bill Burr told Shaq white people are dumb because some believe the Earth is flat, but then Shaq said he thinks the Earth is flat too.FOR MORE WITH ROBERT PLUMLEE AND RALPH PEZZULLO:BOOK: Deep Cover, Shallow Graves - Available NowAUDIO BOOKS (Narrated By Dawson): Left of Boom, Ghost: My 30 Years as An FBI Undercover Agent, SaigonINSTAGRAM & X: @RalphPezzulloFOR MORE WITH MIKE DAWSON:INSTAGRAM: @dawsangelesLIVE SHOWS: July 9 - Las Vegas, NV (2 Shows)July 10 - Las Vegas, NV (2 Shows)July 11 - Las Vegas, NV (2 Shows)Thank you for supporting our sponsors:GetAcreGold.com/AdamLimited Time Offer — it's summer and consistency is everything. Get Huel today with my exclusive offer of 15% off online with my code ADAM at https://www.huel.com/ADAM. New Customers Only. Thank you to Huel for partnering and supporting our show!oreillyauto.com/ADAMSimpliSafe.com/ADAMPluto.tvPodcastOneSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We built the UN to prevent world war; but, we ended up with a global HOA that sends angry letters, loses your money, and lets the worst people in the neighborhood sit on the board. We should abolish it completely. Let's dive in.  Ep. 2454 - - - Today's Sponsors: Helix Sleep - Go to https://helixsleep.com/BEN for an exclusive offer. - - - Click here to join the member-exclusive portion of my show: https://dwplus.watch/BenShapiroMemberExclusive - - - DailyWire+: Become a Daily Wire Member and watch all of our content ad-free: https://www.dailywire.com/subscribe