Podcasts about hoa

Curtis Grimes is a Florida real estate professional with 20+ years of investing experience. He's a licensed Realtor in Florida, a certified general contractor, a certified home inspector, and a certified elevator instructor. Curtis and his wife work as a team under "The Grimes Group," with Curtis primarily focused on buyers and his wife primarily focused on listings.      Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.      Key Takeaways Avoid overextending and keep capital in reserve so you can survive downturns and stay in the game  Treat real estate like a real business: track overhead, know your numbers, and manage cash flow consistently  When converting a home into a rental, lead with the numbers, the long-game use case, and the HOA/condo rules that can limit renting  In vacation-rental markets, price and occupancy fluctuate, so model seasonality and make sure you can still cover overhead during slower months  Build stability through disciplined lead generation, financial planning, and repeat/referral relationships that compound over time      Topics From Queensbridge to Florida real estate Curtis shares his early background in New York, the move to Florida, and how he and his wife built their real estate path together  Surviving 2008 and rebuilding with resilience Losing properties and even a primary residence, then continuing forward by downsizing, consolidating, and planning for recovery  How to avoid "feast or famine" as an agent or investor Why lead generation, budgeting, and running operations like a real business matters more when the market slows  Vacation rentals and seasonality in Orlando Stabilizing rents and home prices, plus how peak and off-peak seasons affect pricing strategy and returns  Converting a home into a rental How to think through valuation, numbers, demand drivers, and especially HOA guidelines and rental restrictions     

VOV1 - Từ tỉnh Quảng Trị, Quảng Ngãi đến thành phố Đà Nẵng, đêm giao thừa Tết Bính Ngọ 2026 bừng sáng trong sắc xuân, rộn ràng tiếng cười và niềm tin về một năm mới bình an, khởi sắc.  Đêm giao thừa, một số khu vực tại tỉnh Quảng Trị xuất hiện mưa phùn. Nhưng cái lạnh không ngăn được dòng người đổ về Quảng trường Hồ Chí Minh. Hoa xuân, linh vật năm Bính Ngọ, hệ thống chiếu sáng và các tiểu cảnh được trang trí rực rỡ. Người lớn dắt tay trẻ nhỏ, các bạn trẻ tranh thủ lưu lại khoảnh khắc đầu năm. Nhiều hoạt động văn hóa, văn nghệ, trò chơi dân gian khiến không gian thêm ấm áp giữa màn mưa nhẹ.Màn bắn pháo hoa tại Đà nẵng

What is the point of a country that can freeze your bank account for your views? Today, I talk with Patrick Hiebert, founder of Autris (OTC: AUTR) and Veritas Villages, about why the "First World" is no longer the safest choice for your family. We dive into building Bitcoin citadels and why a "Tranquilo" life in El Salvador offers more security than the West.Patrick proves off-grid living is now a high-end luxury. Using the FIRST philosophy, he builds off-grid homes with localized power and water to ensure policy shifts in a distant capital cannot turn off your lights.Legal hurdles are the biggest barrier, but residency by investment is changing quickly. We compare El Salvador's Freedom Visa to more affordable options where your money goes further. A Nicaragua property or a Panamanian residency might be a better "Plan B" for those seeking legal status on a budget.Building eco-friendly homes in the tropics requires a "buffer" between Western expectations and local delivery. Patrick shares the reality of managing sustainable housing and why hands-on oversight is mandatory to avoid a nightmare.This shift toward sustainable development is a fundamental change in how we define safety. Technology makes relying on centralized systems a choice rather than a necessity. Whether you want a hedge or a new home, the "Bitcoin virus" is building a freer world. -Bitcoin Beach TeamConnect and Learn more about Patrick Hiebert:Autris Group (OTCID: AUTR) (Parent Company): https://autrisgroup.comVeritas Villages: https://veritasvillages.comVeritas Villages YouTube: https://www.youtube.com/@veritasvillages Facebook: https://www.facebook.com/VeritasVillagesOfficial/Patrick Hiebert on X: https://x.com/PatrickHiebertLinkedIn: https://www.linkedin.com/in/patrick-hiebert/Support and follow Bitcoin Beach:X: https://www.twitter.com/BitcoinBeach IG: https://www.instagram.com/bitcoinbeach_sv TikTok: https://www.tiktok.com/@livefrombitcoinbeach Web: https://www.bitcoinbeach.com Browse through this quick guide to learn more about the episode:00:00  Intro02:02  What are the core philosophies of freedom-oriented communities? 3:08  How to achieve zero utility costs in luxury off-grid homes?04:53  Is Autris (AUTR) the first public Bitcoin Citadel company?07:02  How do community orchards and gardens solve food security?08:03  Can home Bitcoin mining offset HOA fees and property taxes?13:40  Why is the First World moving to El Salvador in 2026?19:39  Critical construction risks for expats in Central America30:16  Panama vs. El Salvador: Which 2026 residency is better?33:05  Is El Salvador safer than Canada and the UK? 2026 crime stats compared 51:50 Best solar and battery technology for luxury off-grid living in the tropicsLive From Bitcoin Beach

VOV1 - Ngoại trưởng Trung Quốc Vương Nghị ngày 13/2 đã gặp người đồng cấp Mỹ Marco Rubio bên lề Hội nghị An ninh Munich. Trong cuộc gặp, hai bên nhất trí tăng cường đối thoại và hợp tác trên các lĩnh vực, cũng như thúc đẩy sự phát triển ổn định của quan hệ Trung - Mỹ.Phát biểu tại đây, Bộ trưởng Ngoại giao Trung Quốc Vương Nghị kêu gọi hai bên cùng thực hiện đồng thuận quan trọng đạt được giữa nguyên thủ hai nước, biến năm 2026 thành năm Trung Quốc và Mỹ tiến tới sự tôn trọng lẫn nhau, chung sống hòa bình và hợp tác cùng thắng.Ông cũng kêu gọi hai bên mở rộng danh sách hợp tác, thu hẹp danh sách vấn đề, nhằm đưa quan hệ Trung - Mỹ đi theo con đường phát triển ổn định, lành mạnh và bền vững, gửi đi nhiều tín hiệu tích cực hơn đến thế giới.Tải vềPlayMuteRemaining Time -1:27Ngoại trưởng Trung Quốc Vương Nghị gặp Ngoại trưởng Mỹ Marco Rubio bên lề Hội nghị An ninh Munich tại Munich, Đức, ngày 13/2. Ảnh: Tân Hoa xã

John talks about a Senate vote failing as the clock continues to tick down on DHS funding. A partial shutdown looms unless Republicans can meet the Dem demands. He also discusses Thom Homan who says the immigration crackdown on Minnesota is over, for now, and he and his goons believe they have left the place whiter than they found it. Then, he interviews Dan Flores who is the A. B. Hammond Professor Emeritus of Western History at the University of Montana and the author of eleven books on aspects of American history. They discuss his new book Coyote America which traces both the five-million-year-long biological story of coyotes, as well as their cultural evolution from preeminence in Native American religions to haplessness before the Road Runner. A deeply American tale, the story of the coyote in the American West and then across the entire country is a sort of Manifest Destiny in reverse, with a pioneering hero whose career holds up an uncanny mirror to the successes and failures of American expansionism. Then, John welcomes Stuart Delony. He is a writer and podcaster whose work examines faith, power, and the cultural consequences of certainty. A former pastor, he is the host of the Snarky Faith podcast and a columnist focused on American Christianity, politics, and end-times theology. John discusses his new book The Tribulation Survival Guide is for exvangelicals, spiritual misfits, and connoisseurs of dark humor. This isn't your typical devotional—it's a survivalist satire for anyone who's ever questioned faith, feared the Beast, or accidentally attended a prophecy conference. Delivered with the solemnity of a Cold War safety pamphlet and the wit of a burned-out prophet, this deadpan, government-grade field manual offers step-by-step guidance for navigating the world's most awkward apocalypse. Whether you've been left behind by the Rapture—or just by organized religion—you'll find something disturbingly familiar in its pages. From decoding Antichrist branding strategies to surviving plagues, televangelists, and HOA-controlled hellscapes, this guide blends biting satire with faux-instructional sincerity. Inside you'll find checklists, diagnostic quizzes, heavenly bureaucracy hacks, and DIY hell décor tips (lava optional)—all designed to help you stay alive, or at least mildly amused, through the end of all things.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this hilarious Jubal Phone Prank on The Jubal Show, Gianna gets a call from someone claiming to be with her Homeowners Association… and what starts as a simple fence follow-up spirals into the most outrageous HOA complaints you’ve ever heard. From “off-key” wind chimes to suspicious garage door timing, the accusations get more invasive — and way more unbelievable — by the second. But how far is too far before she completely loses it? The wildest, most hilarious prank call podcast from The Jubal Show! Join Jubal Fresh as he masterminds the funniest and most outrageous phone pranks, catching unsuspecting victims off guard with his quick wit, absurd scenarios, and unmatched comedic timing. Whether he's posing as an over-the-top customer service rep, a clueless boss, or an eccentric neighbor, no call is safe from his unpredictable humor. Get ready to laugh out loud and cringe in the best way possible! New episodes drop every weekday—tune in and let the prank wars begin!➡︎ Submit your Jubal Phone Prank - https://thejubalshow.com This is just a tiny piece of The Jubal Show. You can find every podcast we have, including the full show every weekday right here…➡︎ https://thejubalshow.com/podcasts The Jubal Show is everywhere, and also these places: Website ➡︎ https://thejubalshow.com Instagram ➡︎ https://instagram.com/thejubalshow X/Twitter ➡︎ https://twitter.com/thejubalshow Tiktok ➡︎ https://www.tiktok.com/@the.jubal.show Facebook ➡︎ https://facebook.com/thejubalshow YouTube ➡︎ https://www.youtube.com/@JubalFresh Support the show: https://the-jubal-show.beehiiv.com/subscribeSee omnystudio.com/listener for privacy information.

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In this hilarious Jubal Phone Prank on The Jubal Show, Gianna gets a call from someone claiming to be with her Homeowners Association… and what starts as a simple fence follow-up spirals into the most outrageous HOA complaints you’ve ever heard. From “off-key” wind chimes to suspicious garage door timing, the accusations get more invasive — and way more unbelievable — by the second. But how far is too far before she completely loses it? The wildest, most hilarious prank call podcast from The Jubal Show! Join Jubal Fresh as he masterminds the funniest and most outrageous phone pranks, catching unsuspecting victims off guard with his quick wit, absurd scenarios, and unmatched comedic timing. Whether he's posing as an over-the-top customer service rep, a clueless boss, or an eccentric neighbor, no call is safe from his unpredictable humor. Get ready to laugh out loud and cringe in the best way possible! New episodes drop every weekday—tune in and let the prank wars begin!➡︎ Submit your Jubal Phone Prank - https://thejubalshow.com This is just a tiny piece of The Jubal Show. You can find every podcast we have, including the full show every weekday right here…➡︎ https://thejubalshow.com/podcasts The Jubal Show is everywhere, and also these places: Website ➡︎ https://thejubalshow.com Instagram ➡︎ https://instagram.com/thejubalshow X/Twitter ➡︎ https://twitter.com/thejubalshow Tiktok ➡︎ https://www.tiktok.com/@the.jubal.show Facebook ➡︎ https://facebook.com/thejubalshow YouTube ➡︎ https://www.youtube.com/@JubalFresh Support the show: https://the-jubal-show.beehiiv.com/subscribeSee omnystudio.com/listener for privacy information.

Hosts Regan Brown and Bill Mann of GB Group Construction & Painting talk with Becky Jolly Senior Community Manager at Professional Association Services about a new USPS policy affecting mail drop timing. They explain how it impacts HOA deadlines, why postmarks no longer guarantee proof of mailing, and what boards should do to stay compliant—including key tips and a breakdown of California's SB 811.The Postal Service is adding section 608.11, “Postmarks and Postal Possession,” to the Domestic Mail Manual (DMM). This new section defines postmarks, identifies the types of Postal Service markings that qualify as postmarks, and describes the circumstances under which those markings are applied. It also advises customers of how to obtain evidence of the date on which the Postal Service accepts possession of their mailings. This new language in the DMM does not change any existing postal operations or postmarking practices, but is instead intended to improve public understanding of postmarks and their relationship to the date of mailing.https://www.federalregister.gov/documents/2025/11/24/2025-20740/postmarks-and-postal-possession SB 811 CAThe proposed change clarifies existing laws concerning the delivery of documents in common interest developments under the Davis-Stirling Common Interest Development Act. It specifically states that delivery by mail is considered complete upon deposit into the United States mail and delivery by electronic means is complete at the time of transmission. This amendment is a minor, no substantive modification to existing document delivery processes. No fiscal impacts or state-mandated local programs are associated with this change.https://track.govhawk.com/public/bills/2150171  

Reddit rSlash Storytime r prorevenge where Gas Thief Revenge I'm headed for divorce but my lawyer has given me the best news ever HOA demanded "more green coverage" so I gave them ALL the green coverage... Bus driver left me stranded in the middle of nowhere because I "was rude months ago" his abuse led to my moms death, so i took his house. Hosted on Acast. See acast.com/privacy for more information.

In this pre-sunrise episode, Jordan and Jason kick off 2026 with a candid look at what's current in their tree and landscape businesses. They recap January's guest lineup, then dive into real-world topics like business development through BNI and apartment associations, HOA speaking gigs, and an emergency job removing a 40" oak after a massive water main blowout. They share how tools like LiveSwitch and AI are leveling up their proposals, how a 10,000-contact email campaign with a real 10% labor discount helped fill the February schedule, and what they're learning about marketing ROI with Intrigue Media. They also unpack losing a long-term HOA contract, dealing with difficult homeowners, and set the stage for the upcoming Landscape Rodeo with equipment competitions, sponsors, and a VIP crawfish-fueled Low Country boil.

Tired of chasing the latest ad platform and feeling like your best leads are slipping away? The truth is, your most valuable leads are likely right in your own neighborhood.In this episode, discover 35 proven strategies for hyper-local lead generation—right where you live. The speaker shares a mix of old school, digital, and creative, yet effective, methods for agents to build authority and relationships in their community.Inside this episode, you will learn:The Power of Local: Why the closer a lead is to home, the easier it is to convert, and how visibility (in person, in mailboxes, and in conversations) gives you an advantage.The Classics That Still Work: Tried-and-true methods that are personal and consistent, including direct mail, open houses as neighborhood events, polite door knocking, cold calling, and targeted local ads.Modernizing Your Strategy: How to use digital tools like local SEO (optimizing your Google Business page and getting local reviews), focusing on local social media groups, and creating valuable online ads.Old School, New Tricks: Traditional methods like postcards, flyers, and circle prospecting can be modernized by combining them with QR codes or short links for easy responses.Innovative Ways to Stand Out: Become a local influencer by sharing your favorite places, start a hyper-local blog or YouTube series featuring community stories, or host guided neighborhood tours for out-of-town buyers.Community Connection: Strategies like sponsoring local events, hosting free homeowner workshops, and being active in associations like the PTA or HOA can help your community see you as a trusted resource.Stop chasing and start attracting business naturally by picking 3-5 strategies that fit your personality and committing to them consistently. Hyper-local lead generation is the one skill that never stops paying off because people will always trust the agent who knows their neighborhood best.Want the full checklist? Get the printable version of all 35 ideas and a worksheet to build your personal lead plan by joining the free lunch and learn at www.thehyperlocalagent.com/class

Scripture reminds us that wisdom often begins with counting the cost. As the average age of a first-time homebuyer approaches 40, many people are asking an important and sincere question: Is now the right time to buy a home—or should we continue renting?That question usually reflects a desire to make a wise, lasting decision—one that supports long-term stability rather than undermining it. Before comparing monthly payments or imagining life in a new space, it's worth taking a clear-eyed look at what it truly costs to move from renting into homeownership.The Upfront Costs Many First-Time Buyers MissOne of the biggest surprises for first-time buyers is the sheer cost of getting into a home. The pre-approval and closing process involves numerous expenses, including appraisals, inspections, credit reports, earnest money, title searches, loan origination fees, and closing costs. Taken together, these can add up to thousands of dollars before move-in day ever arrives.For renters transitioning to homeownership, these costs are typically paid out of pocket. That's one reason many advisors encourage having close to 20% of the purchase price available—not only for a down payment, but to create margin for the entire process. This isn't about delaying dreams unnecessarily; it's about ensuring homeownership doesn't begin with financial strain.Many renters feel a growing weariness with paying rent month after month, especially compared with building equity. That desire for something tangible and lasting is understandable—but it's important to remember that rent is not wasted money.Rent pays for shelter, safety, maintenance, and predictability. It meets a real and ongoing need and, in that sense, pays for a valuable service. During certain seasons of life, that flexibility and stability can be a wise and intentional choice.Understanding What a Mortgage Really IncludesIt's also helpful to understand how a mortgage payment actually works. A typical payment includes principal, interest, property taxes, homeowner's insurance, and often private mortgage insurance if you own less than 20% of the home's value. In some cases, HOA fees are also added.In the early years of a traditional 30-year mortgage, a significant portion of each payment goes toward interest rather than reducing the loan balance. Thirty-year mortgages can still be wise—they keep payments manageable and allow flexibility if you want to make extra principal payments—but they are designed to be long-term loans. Early equity growth often comes more from market appreciation than from paying down the balance.Rising home prices can create fear about waiting too long, pushing buyers to act before they're ready. While market trends are worth paying attention to, they shouldn't be the deciding factor. A home should fit your current season of life and support your responsibilities and priorities—not stretch your finances or limit your ability to live and give faithfully.It also helps to release the pressure of finding a “forever home.” On average, first-time buyers stay in their homes seven to ten years. Career changes, growing families, and life transitions often make moving a natural part of the journey. The first home simply needs to perform well in the current season.Rising Costs Don't Disappear with OwnershipRising rents are another common frustration, especially when lease renewals result in higher monthly costs. But owning a home doesn't eliminate rising expenses. While a fixed-rate mortgage keeps principal and interest steady, property taxes and homeowner's insurance typically increase over time. Even after a mortgage is paid off, those costs remain.Maintenance is another reality worth considering. Once you own a home, repairs are your responsibility—roofs, plumbing, electrical systems, and heating or cooling issues can bring unexpected expenses. While insurance offers protection, deductibles and coverage limits often mean high out-of-pocket costs, and filing claims may lead to higher premiums later.Renting, by contrast, offers predictability. Repairs are the landlord's responsibility, which can provide stability during periods of debt reduction or saving. The phrase house poor exists for a reason. Buying before you're ready can strain budgets, limit generosity, and leave you feeling trapped rather than thankful.While homeownership can be a blessing, it's not a measure of faithfulness—and it isn't right for every situation. Sometimes, the wisest choice is to continue renting, patiently preparing for what comes next, and trusting that God's timing is often kinder than our urgency.On Today's Program, Rob Answers Listener Questions:I'd like to understand what an irrevocable trust is and how it works.I have $30,000 I'd like to invest outside of real estate. I won't need the money for about 10 years. Where would you recommend investing it?I took out high-interest loans to pay for my wife's dental work, but my hours have since been cut, and I've drained my savings. Is there a way to consolidate this into one lower-interest loan so my payments actually reduce the balance?About 25 years ago, I filed for bankruptcy for around $3,500 when I was struggling financially. I'm in a better place now and receive my ex-husband's Social Security. Is there any way—or reason—to repay that old debt?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)List of Faith-Based Investment FundsChristian Community Credit Union (CCCU) | AdelFiSoFi | Marcus | LightStream | Bankrate | NerdWalletCharles Schwab Intelligent Portfolios | FidelityOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send a textA 50-year shed business doesn't survive on catchy pitches; it survives on trust. We sit with Mike Langston of Tampa Sheds to explore how a family company grew from corrugated aluminum buildings to a modern, code-savvy operation that anchors, delivers, and stands behind every promise. Mike shares how his grandfather's rule—take care of the customer and the money takes care of itself—still guides decisions, from sending build-on-site leads to competitors to focusing on fit over features.The conversation gets real on sales and service: listening twice as much as you talk, defusing the “I can build it cheaper” line with clarity, and respecting shoppers who compare lots without throwing mud. We unpack aluminum versus wood trade-offs, HOA realities, and why customers value people they can find tomorrow as much as prices they can see today. Then we go deep on resilience. After Hurricane Ian destroyed an entire location, Mike moved an RV to the site, fed neighbors and linemen, coordinated replacements with his manufacturer, and lived “all hands on deck” for months. That response wasn't a campaign; it was character.Leadership threads through every story: admitting mistakes, building a patient team, and joining peer groups to keep learning. We also look ahead. Automation with IdeaRoom and CAL eliminates triple checks and frees staff to serve, while a fourth-generation transition plan aims to beat the odds for family businesses. Collaboration over competition emerges as a theme—share what works, lift standards, and protect the industry from outsiders who only chase financing spreads.If you care about small business leadership, customer experience, local reputation, hurricane readiness, or the nuts and bolts of selling sheds with integrity, this one's for you. Subscribe, share with a fellow builder or dealer, and leave a review with your favorite takeaway so we can keep raising the bar together.For more information or to know more about the Shed Geek Podcast visit us at our website.Would you like to receive our weekly newsletter?  Sign up here.Follow us on Twitter, Instagram, Facebook, or YouTube at the handle @shedgeekpodcast.To be a guest on the Shed Geek Podcast visit our website and fill out the "Contact Us" form.To suggest show topics or ask questions you want answered email us at info@shedgeek.com.This episodes Sponsors:Studio Sponsor: Shed ProIdentigrowSolar BlasterCardinal ManufacturingDigital Shed Builder

Andrew Schultz aka Mr. Goody Two Shoes and Joseph Huggins aka OldManHuggie Discuss Therapy Questions and Topics Provided Below.Music: Stay For Awhile by Mr. Goody Two Shoes(Victor Ray Cover)Therapy Questions:​$20 million but your friend turns into a baby and you have to raise them until they are 18 years old. Would you do it? What friend are you picking?​ Would you rather every time you shower there are 2 strangers in the shower with you, the people are different everyday and you can't take a bath instead or every time you go to sleep there are 2 strangers in the room watching you all night?​ You and 9 other people are trapped in a room and are about to fight a full-size male tiger. On the count of 3 everyone is going to say the name of a musical instrument, if you do not match with anyone else, you get that instrument as a weapon to fight the tiger. What instrument do you choose? ​ If we together had to invade, conquer, and rule another country, what country would it be and why?Articles:FBI releases images of masked person in hunt for Nancy Guthrie | BBC:https://www.bbc.com/news/articles/cy4wdgxr081oFederal judge acknowledges ‘abusive workplace' in court order | NPR:https://www.npr.org/2026/02/10/nx-s1-5709042/judges-accountabilityWho are the six men named in the unredacted Epstein files? | Jeffrey Epstein | The Guardian:https://www.theguardian.com/us-news/2026/feb/10/six-men-epstein-files-unredactedHomeowner furious after HOA tries to stick him with $15,000 bill: 'Their actions are not those of a responsible adult' | Yahoo:https://www.yahoo.com/lifestyle/articles/homeowner-furious-hoa-tries-stick-123000572.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAAs-247_5l0yAm4ytbbcROa7IyA3iGd0D2vJPYf9sTRKm098MkqK_j6pmIqShDuPPIn4oODPD-rFLwfTOban1h3AwLL5agNE77JrK8ZqRP5kfL4z7F6IftsfvXKiYhQYGdVmKdgqzQlvsZ3QEprow76S8PVqY9Ui8oCv4W0P51ZY

It’s installation time at Western Estates new HOA president, Lurlean Myung! Her husband Mike was ruined by “Return of the Mack:” Sign up for a Backstage Pass and enjoy Hours of exclusive content, Phil's new podcast, Classic podcasts, Bobbie Dooley's podcasts, special live streaming events and shows, and oh so very much more…See omnystudio.com/listener for privacy information.

In this episode of the Real Estate Pros podcast, host Michelle Kesil interviews Jansen Lormand, a CPA and real estate investor from Louisiana. Jansen shares his journey into real estate investing, including his early experiences, the importance of education, and the mistakes he made along the way. He emphasizes the significance of building a reliable team, navigating challenges such as insurance and HOA issues, and his strategies for scaling his business. Jansen also discusses future opportunities in real estate and the importance of customer service in his profession.   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   —--------------------

Check out Rental Property Pro:  https://rentalproppro.com/booking?am_id=reign    290 - Scaling Real Estate Investments with Chandra Adduri   Jen Josey kicks off this REIGN "Past Project" episode with a Badassery Bestowment on turning family and friends into private money lenders—without wrecking relationships. She walks through how to lead with education, focus on safety and clarity, keep terms simple, use professional paperwork (title company/attorney), and communicate like a CEO so lenders feel protected and respected.   Jen then welcomes first-time podcast guest Chandra Adduri, a New Jersey-based tech professional and long-time investor with an 18-property, multi-state portfolio. Chandra shares how his upbringing in India shaped his "invest in land/assets" mindset, why mentorship matters (shoutout to Rental Property Pro and John Blackburn), and how buying out of state helped him avoid the "DIY trap" that kills scalability.   The featured project is Chandra's newest acquisition: a 3 bed/2 bath beach condo in a Myrtle Beach resort community, purchased to expand into short-term rentals (STRs) and leverage STR tax advantages. He breaks down why he likes HOA amenities for competitiveness and convenience, how he financed with a specialized "condotel" loan, what he changed to stand out (colorful furniture + crisp white linens), and what it really takes to self-manage STRs—systems, fast responses, and a reliable local team. The episode wraps with Jen's BADASS acronym segment, covering Chandra's favorite book, advice, goals (including acquiring a home services business), and his definition of success: buying back time.   00:00 Introduction to REIGN and Today's Episode 00:58 Badassery Bestowment: Turning Family and Friends into Private Money Lenders 03:44 Meet Today's Guest: Chandra Adduri 04:59 Chandra's Real Estate Journey and Background 09:56 Exploring Short-Term Rentals and HOA Benefits 15:19 Financing and Furnishing a Short-Term Rental 18:30 Coffee Maker Tips and Initial Advice 18:44 Breaking Down the Numbers 19:04 Cash Flow and Tax Benefits 20:38 Long-Term vs Short-Term Rentals 21:48 Managing Short-Term Rentals 22:48 Building a Reliable Team 25:40 Future Plans and Goals 27:49 BADASS Acronym Breakdown 34:32 Final Thoughts and Success 5 key takeaways Private money works best when you educate first, not pitch first—and you protect relationships with clarity, structure, and consistent communication. Out-of-state investing can be a "self-control strategy" if you're tempted to DIY every repair; distance forces you to build a team and scale. Resort/HOA STRs can be a competitive advantage because amenities (pools, lazy river, hot tubs) help you stand out without personally managing them. STRs are hospitality, not landlording—expect constant questions, fast messaging, local-area knowledge, and SOPs for cleaners/handymen. Chandra's Myrtle Beach deal shows how STRs can be bought for cash flow and tax strategy (cost segregation + bonus depreciation), especially for high W-2 earners. Chandra Adduri Chandra Adduri is a New Jersey-based tech professional on the engineering side of the industry who has spent the last decade building a data-driven real estate portfolio. He owns 18 properties across multiple states, including New Jersey, North Carolina, South Carolina, Louisiana, Tennessee, Mississippi, and Florida. Known for his systems-first approach and strong local "dream teams," Chandra is now expanding into short-term rentals to explore growth potential and tax advantages while continuing to scale with disciplined operations.  

Come along this week to find out what's going on. We talk about today in history, HOA headaches and the pulse of the trail.

Join me, host Sgt Erik Lavigne, the return of the rookie Trey Mosley, and special guest Anthony Bandiero from Blue to Gold law enforcement training. We even have a special story time. A dad, two kids, a frozen lake—and four officers on the dock. That viral moment becomes our doorway into a bigger, sharper question: when does a safety worry justify a 911 call, and when does it become pressure disguised as policing? We bring the original poster onto the show to tell his side, and we work through the messy details together: a Virginia lake that rarely freezes, private HOA property, open water in the middle, and a community that sees thin ice as a hard no. He's candid about what he'd have done and why. We're candid about discretion, constitutional limits, and the real weight of simply showing up in uniform.From there, we shift into practical, street-level law. We test ID demands during stops, passengers who match wanted persons, and where community caretaking ends. We dig into cite-and-release drug cases and why exigency—not search incident to arrest—may be the cleanest path to recover evidence without hauling someone to jail. Then we break down Terry frisk failures: why “training and experience” isn't a magic phrase, how timing undermines credibility, and what articulation actually sticks in court. If you can't defend it from the report to the stand, don't do it.We also talk culture. Real-Time Crime Centers can make policing smarter and safer when policy discipline is tight. Auditors can be irritants or unexpected allies depending on your poise. And chasing SWAT is a test of character as much as fitness; a first “no” often measures how badly you want the “yes.” Threaded through it all is a simple principle: use the badge lightly and your voice well. Educate, de-escalate, and reserve force for the moments that truly demand it.If this kind of open, honest conversation hits home, follow the show, share it with a friend, and leave a quick review. Your feedback helps thoughtful policing—and thoughtful community action—risend us a message! twocopsonedonut@yahoo.comPeregrine.io: Turn your worst detectives into Sherlock Holmes, head to Peregrine.io tell them Two Cops One Donut sent you or direct message me and I'll get you directly connected and skip the salesmen.Support the showPlease see our Youtube channel https://www.youtube.com/c/TwoCopsOneDonut Join our Discord!! https://discord.gg/BdjeTEAc *Send us a message! twocopsonedonut@yahoo.com

Listener Steve Bosell has a hotline for certain people who may be upset with Bad Bunny’s Super Bowl show. Bobbie Dooley introduces the new HOA president, Lurlean Myung. Sign up for a Backstage Pass and enjoy Hours of exclusive content, Phil's new podcast, Classic podcasts, Bobbie Dooley's podcasts, special live streaming events and shows, and oh so very much more…See omnystudio.com/listener for privacy information.

Host Tyler Jones (@TylerJonesLive) is joined by New Orleans Pelicans Scout Jarrett Sutton (@JarrettTSutton), Bryan O'Connor (@CoachBoKnowsShow) & Thomas Bridges (@Thomas_Bridges).(0:30-16:20) Tate McRae betraying Canada for the US in the Olympics?(16:20:28:45) Super Bowl LX: Seattle Seahawks vs New England Patriots Preview.(28:45-39:10) NBA Trade Deadline Winners and Losers.(39:10-1:05:00) Big 12/SEC Breakdown: Hot Takes on Kansas, Oklahoma State, Porter Moser's future at Oklahoma, Arizona, Big 12 and SEC standings, plus top games to watch this weekend.(1:05:00-1:37:20) Jarrett Sutton on the Big 12 and SEC.(1:37:20-2:36:25) Coach Bo's Football Fix Presented By O'Connor Advisory Group: Pro Football Hall of Fame 2026 Class, Matthew Stafford wins MVP, Myles Garrett wins DPOY, Klint Kubiak to the Raiders, Mike LaFleur to the Cardinals, Super Bowl LX: Seattle Seahawks vs New England Patriots Preview, Trinidad Chambless and Joey Aguilar fighting for eligibility.  (2:36:25-2:53:00) Tom Foolery Story of the Week: Nashville family fights HOA over generator use during ice storm.Today's show is sponsored by O'Connor Advisory Group. Start planning for your future now at https://oconnoradvisorygroup.com!Follow Tyler Jones on Twitter: https://twitter.com/TylerJonesLiveFollow Tyler Jones on Instagram: https://www.instagram.com/tylerjoneslive/Follow Tyler Jones on Facebook: https://www.facebook.com/tylerjonesliveFollow Studio Soapbox on Twitter: https://twitter.com/Studio_SoapboxFollow Studio Soapbox on Facebook: https://facebook.com/studiosoapbox

This week on Hysteria 51, we're serving up a double feature where nature chooses violence… and humanity chooses unhinged.First: Janesville, Wisconsin is apparently living inside a Thanksgiving-themed action movie. A flock of wild turkeys has been chasing people, hassling a postal worker, blocking traffic, and generally running the neighborhood like feathery little HOA enforcers with anger issues. One local even caught the chaos on camera. If you've ever wondered what it's like to be offering peace and goodwill to all… while a bird the size of a small child sprints at you with murder in its eyes, welcome home. Then we pivot from “street menace” to “please evacuate the entire building”: a man showed up at a hospital with a World War I artillery shell lodged in his rectum, prompting a hospital evacuation and a bomb squad response because, yes, it was reported as potentially live. Doctors had to remove it surgically, and everyone involved probably aged ten years in one evening. It's the kind of headline that makes you whisper, “how” and then immediately decide you don't actually want the answer. So buckle up for an episode packed with weird news, small-town terror turkeys, and ER chaos so intense it came with its own security perimeter. If you like your comedy dark, your science nonexistent, and your survival instincts activated by poultry… this one's for you.Links & Resources

A woman who lives in an HOA regulated neighborhood was told she could not use a generator during the recent power outage (in TN) because the HOA rules on aesthetics did not allow it. After some back-and-forth, the HOA said they'd allow it just this once. https://www.lehtoslaw.com

Confusion is expensive. We walk through the simple service agreements and targeted waivers that keep your pool business protected when jobs get messy, from green pool rescues to acid washes that carry real surface risk. Instead of relying on verbal promises, we show how a one-page agreement sets clear expectations, defines what's included, and outlines billing, weather exemptions, and vacation pauses so surprises don't turn into cancellations or chargebacks.Green pools are a mystery until they clear, which is why a dedicated waiver matters. We break down language that covers pre-existing stains, partial stain removal, equipment failures under heavy runtime, and the reality that timelines vary. You'll hear practical ways to avoid party-weekend disasters, plus a smart tactic: offer a small cleanup discount when the homeowner commits to ongoing service, aligning incentives and preventing post-cleanup algae callbacks.Acid washes deserve special handling. We explain how to communicate risks like etching, streaking, roughness, and color variation, and why you must avoid hot or windy conditions. You'll learn when to decline the work on cracked or fragile plaster, how to set honest expectations without guarantees, and how to protect your crew on tough weather days. We also outline when to move beyond waivers and hire a lawyer for HOA or commercial contracts, and how to keep residential paperwork simple, translatable, and effective—right down to optional price increase language tied to market shifts.If you want fewer disputes and more trust, start with clear writing. Subscribe for more practical growth tips for pool pros, share this with a colleague who needs a template, and leave a review to tell us what clause you'd add next.• reasons clear agreements reduce disputes• how to introduce service agreements to existing clients• green pool waiver terms that manage risk• handling stains, equipment failure, and timing expectations• acid wash risks, safe conditions, and no-guarantee language• when to refuse an acid wash and recSend us a textSupport the Pool Guy Podcast Show Sponsors! HASA https://bit.ly/HASAThe Bottom Feeder. Save $100 with Code: DVB100https://store.thebottomfeeder.com/Try Skimmer FREE for 30 days:https://getskimmer.com/poolguy Get UPA Liability Insurance $64 a month! https://forms.gle/F9YoTWNQ8WnvT4QBAPool Guy Coaching: https://bit.ly/40wFE6y

In this episode, I speak with Michael Thorne, award-winning Canadian real estate innovator and AI educator, about how agents should really be using AI. Michael explains why AI should streamline low-value tasks, elevate expertise, and push agents closer to their clients rather than replacing human connection. The conversation covers digital departments, custom instructions, NotebookLM, Perplexity, and practical ways agents can reclaim time, improve creativity, and future-proof their businesses. Resources Mentioned ChatGPT - Used for custom instructions, projects, digital departments, brainstorming, and voice-based market insights. NotebookLM - Referenced extensively for organizing HOA documents, market data, blogs, and turning knowledge into podcasts, mind maps, and summaries. Perplexity - Used as a research-first alternative to Google for fast, source-based answers. Custom Instructions and Projects - Used to create digital departments such as marketing, content creation, data analysis, and client care, each with its own "digital employee." Advanced Voice Mode in ChatGPT - Used to capture spoken expertise, interview the agent as a market expert, and convert conversations into blogs and marketing content. Books Mentioned Creativity Inc. by Ed Catmull - Recommended for developing creative thinking as a core business skill. Growing Up Lillooet by Terry Thorne - Personal recommendation reflecting values, perspective, and creativity. Guest: Michael Thorne Website - https://www.tmbrealestate.com/ourteam?wmTabs=michael   Host: Rajeev Sajja Website: http://www.realestateaiflash.com Facebook: https://www.facebook.com/rsajja  Instagram: http://www.instagram.com/rajeev_sajja LinkedIn: http://www.linkedIn.com/in/rsajja Resources:  AI Playbook - http://www.realestateaiflash.com  Join our Instagram Real Estate AI Insiders Channel - https://ig.me/j/AbZCJG37DqBPPtxi/ Subscribe to our weekly AI Newsletter: https://realestateai-flash.beehiiv.com/subscribe   

Send us a textHiring a contractor shouldn't feel like a risky gamble—especially when you're spending association funds and hoping for a great result for your repair or renovation project. On this week's episode of Take It To The Board, host Donna DiMaggio Berger talks to Cinthya Lavin, VP of Communications and Community Engagement at the Better Business Bureau, to uncover practical and attainable ways Condominium, Cooperative and HOA boards can hire smarter, avoid scams, and build a reliable vendor bench without slowing projects to a crawl.  Cinthya breaks down how BBB's e-quote tool helps boards get three accredited bids—often within a day—so you can meet competitive bidding requirements and keep momentum on key repairs and capital projects.  Donna and Cinthya dig into what “accredited” really means, how BBB verifies licenses and insurance, and how the ratings algorithm weighs responsiveness, scale, complaint patterns, and government actions. You'll learn why a vendor's willingness to answer complaints often predicts how they'll handle issues on your job, and why communication should be a top selection criterion alongside price and scope.  They also explore the evolving threat landscape. BBB's Scam Tracker offers a community-wide alert system for fraud attempts, and Cinthya shares simple safeguards for boards. This episode also includes a comparison of BBB with platforms like Yelp; discusses AI's role in business education and reviews, and highlights programs such as the Torch Awards which celebrate companies with strong character, culture, customer care, and community impact.  If you want to make faster, safer hiring decisions and elevate trust in your community, this conversation delivers the playbook.Conversation Highlights:  Why a 100+-year-old organization is still relevant in today's fast-moving business landscapeHow the BBB evaluates businesses and what really separates an A+ rating from a lower gradeHow boards and managers can use the BBB to vet contractors and comply with competitive bidding requirementsHow to identify complaint trends and spot vendors with recurring unresolved issues.Listed vs. accredited: The key differences between businesses that appear on the BBB and those that earn accreditation.Warning signs on a BBB profile, from licensing issues to unresolved disputes and suspicious business details.How the BBB can help confirm insurance, licensing, and other critical qualifications.What the BBB is seeing in post-storm reconstruction—and the rise of scams and fraudulent contractors.One simple step boards can take today to reduce vendor risk and protect their communitiesRelated Links:Podcast: Why Every Contract Needs to Be Reviewed with Becker's James Robert CavesResource: Consumer Resources from The Better Business BureauArticle: Am I Protected? Contractual Quandaries for All Associations

In this episode we talk with Trey Griffy, an HOA insurance specialist. He reveals the behind-the-scenes strategies that took him from struggling producer (he tried to quit 3 times) to building a $1M+ book in a unique niche.Whether you're a new producer in need of motivation, or a seasoned producer looking to sharpen your saw, this episode is for you....

Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 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  1-937-795-8989 to speak with a freedom coach 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 with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Speaker 1  1:14   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  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds. Don't keep up when true inflation eats six or 7% of your wealth. Every single year I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or GRE, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989,   Keith Weinhold  33:19   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   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  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com   

The groundhogs are fighting, the Iguana lady, Florida tries to unfreeze, Melania and YouTube at the box office, Amy Kaufeldt makes a decision, Savannah Guthrie's mom goes missing, the other Super Bowl Halftime Show revealed, drama at the Emmy Awards, the worst HOA move ever and so much more!

The groundhogs are fighting, the Iguana lady, Florida tries to unfreeze, Melania and YouTube at the box office, Amy Kaufeldt makes a decision, Savannah Guthrie's mom goes missing, the other Super Bowl Halftime Show revealed, drama at the Emmy Awards, the worst HOA move ever and so much more!See omnystudio.com/listener for privacy information.

Money and marriage—two things God designed to bless us, but they can also be two of the greatest sources of stress. What if we turned financial conflict into connection? Dr. Shane Enete joins us today to share six creative ways couples can build stronger relationships by having intentional financial conversations—what he calls “money dates.”Dr. Shane Enete is an Associate Professor of Finance at Biola University and founded the Biola Center for Financial Planning. He is also the author of the book Whole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy.Why You Need to Talk About Money—IntentionallyMany couples avoid conversations about money out of fear. A study of 2,000 couples found that half of them were uncomfortable discussing money because they worried it would lead to conflict. The irony is that by avoiding those talks, the conflict only deepens.On average, couples argue about money 58 times a year. But what if, instead of waiting for issues to flare up, you set aside regular time to talk about your finances together—proactively and prayerfully?That's the heart behind the idea of money dates. You might have to rip off the bandage at first, but we want to help couples make these conversations not just necessary—but enjoyable.Turning Financial Talks Into DatesThese aren't meant for finger-pointing but for course correction—a time to realign your financial goals with your values.But also, why not make it a date? Dating can be a lot of fun if you're intentional. So why not combine something enjoyable with something that's often uncomfortable? When you connect in a fun environment, even money talk becomes more meaningful.The key is consistency. Whether it's over dinner, coffee, or a quiet walk, having a regular rhythm of financial connection helps you stay on the same page as a couple—and deepens your trust.Money Date #1: Share Your Money StoryEvery person brings a financial backstory into marriage—habits, fears, and attitudes shaped by family and early experiences.Think of it as your money autobiography. Reflect on what you learned about money growing up, what messages you received from your parents, and how those experiences influence your decisions today.Take your spouse out for dinner and share those stories. You'll gain empathy and understanding for each other's perspectives. When you know your partner's money story, their spending or saving habits make a lot more sense.Try this: Ask each other, “What's your earliest memory of money?” The answers may surprise you—and bring you closer.Money Date #2: Give TogetherGenerosity is one of the most unifying acts a couple can experience. Here are a few ways to make generosity a shared journey:Set a giving goal. Track your family's progress and celebrate milestones together.Join a giving circle. Partner with friends or your small group to pool resources for a cause you all care about.Create a stretch goal. As your income grows, commit to increasing your giving percentage over time.These conversations shift the focus from money as a source of stress to money as a means of Kingdom impact.Money Date #3: Cook the BooksThis one's both literal and figurative! Instead of going out, stay home and cook a meal together—or grab takeout for a picnic. Use the relaxed environment to talk about your budget rhythm:Who tracks expenses?What budgeting tools or apps will you use?How often will you review spending?The FaithFi app can help simplify this process. It lets couples track giving, spending, and saving all in one place—while keeping biblical wisdom at the center.Money Date #4: Check Your Credit (at the Spa!)Debt can carry emotional weight, so create a peaceful setting for this conversation. A spa day is perfect. It's relaxing—and you can often find affordable day passes.While you unwind, discuss:How much debt do you currently carry?How did your family handle debt growing up?What boundaries would you like to establish regarding credit use?This isn't about blame. It's about caring for each other and agreeing on a plan that both of you believe in.Money Date #5: Number Your DaysThis one takes its inspiration from Psalm 90:12: “Teach us to number our days, that we may gain a heart of wisdom.”Couples should view estate planning as an act of love and care. When you prepare a will, name a guardian, or establish a power of attorney, you're doing something deeply selfless—caring for others even after you're gone.Spend a date identifying:Who will serve as executor or guardian for your children?How do you want your assets used to bless others?What legacy of faith and generosity do you want to leave behind?Growing Together Through Financial StewardshipMoney dates are about far more than numbers. They're about connection, empathy, and shared purpose. When couples talk about money in ways that honor God and each other, they grow in wisdom—and unity.When you come together around money with openness and grace, you draw closer not just to each other, but to the heart of God.———————————————————————————————————————Dr. Enete's full article, “Six Great Money Dates,” appears in the 2nd issue of Faithful Steward magazine. When you become a FaithFi Partner with a monthly gift of $35 (or $400 annually), you'll receive Faithful Steward magazine and other exclusive resources to help you grow as a faithful steward. Visit FaithFi.com/Partner to learn more.On Today's Program, Rob Answers Listener Questions:My employer closed over six months ago, and I've been unemployed since. My unemployment benefits are gone, and I'm paying my mortgage and bills from savings, which are running low. I've owned my home for over 30 years and have good credit. How can I protect my home, and is mortgage forbearance a good option without hurting my credit?I own a condo, and our HOA has issued two large special assessments for roof repairs—first $1,000 per unit for several months, and now another $781 per month. The original contractor was paid and disappeared. Are there government agencies that can investigate or protect owners in this situation, and what rights do I have?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Six Great Money Dates (Article by Dr. Shane Enete - Faithful Steward: Issue 2)Our Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Family says HOA told them the could not use their generator during ice storm power blackout, Man dies in shooting after refusing to share french fries in Fort Worth, Heavyweight boxer involved in bizarre incident as hairpiece comes off during fight at MSG

Closing escrow is an incredible moment, but the real work of homeownership starts the second you get the keys. In this episode of the Kern County Real Estate Review, Laurie McCarty shares the 15 must-do steps after closing escrow that can protect your home, protect your privacy, and prevent the most common (and most expensive) move-in surprises.You will learn what to handle first, what can wait, and why small tasks can save you major frustration later. Whether you are a first-time buyer or you have owned homes before, this is a fast, practical checklist you will want to keep handy, and it is the kind of episode you will want to share with anyone closing escrow soon._____________________________________________________Keywords: Kern County Real Estate Review, Laurie McCarty, Bakersfield real estate, Kern County Realtor, after closing escrow checklist, what to do after closing on a house, new homeowner checklist, first week after closing, change locks after closing, reset smart devices Ring doorbell, transfer utilities after buying a house, HOA setup after closing, home inspection report after closing, paint and flooring before moving in, deep cleaning before move-in, pest control after closing, homeownership tips Bakersfield, buying a home in Bakersfield, closing day tips, KNZR podcast

The Portland real estate market is waking up, and it doesn't feel like a typical January. In this episode of the Portland Real Estate Podcast, Steve Nassar and Joe Fustolo break down why buyer and seller activity is already showing spring-like momentum, even as closings lag behind the buzz. You'll hear why mortgage rates hovering in the low sixes are quietly restoring buying power, how a one-percent rate drop can feel like a double-digit price cut, and why optimism for March, April, and May is building beneath the surface. Steve and Joe unpack what a "slow and steady" recovery really looks like after three historically weak years for transaction volume and why consistency, not a sudden surge, may define 2026. They also dive into industry stats showing that over 70 percent of licensed agents closed zero deals, what that means for consumers, and why experience matters more than ever in a tightening field. Expect candid talk about the growing divide between healthy residential homes and the ongoing struggles of condos and HOAs, especially in downtown Portland, where high fees, special assessments, and stalled projects continue to reshape buyer behavior. From cash buyers returning to financing, to homeowners loosening their golden handcuffs, to life events that force movement regardless of the market, this conversation connects the data to what people are actually doing right now. If you want a grounded, insider look at where the Portland market truly stands and where it's quietly heading next, this episode delivers the context, clarity, and real-world insight you won't get from headlines alone.   Key Takeaways Early 2026 activity feels unusually strong for January, with listing appointments, buyer interest, and open houses resembling spring conditions even as escrows lag. Mortgage rates in the low sixes are restoring buying power, with a one-percent drop functioning like a 10–12% price reduction from a buyer's perspective. After three historically weak years for transaction volume, 2026 is shaping up as a year of gradual improvement rather than a dramatic rebound. Sellers have largely adjusted expectations following the 2023–2025 correction, helping the market move toward a more balanced absorption rate. Cash buyers dominated recent years, but financing is returning as the gap between ultra-low legacy rates and today's rates narrows. Homeowners once held back by "golden handcuff" rates are beginning to move again due to life changes, downsizing, and mobility needs. Real estate decisions are increasingly driven by necessity rather than speculation, making timing life more important than timing the market. Over 70% of licensed Realtors closed zero transactions, highlighting a widening gap between full-time professionals and part-time or inactive agents. Condos and HOA-driven properties remain high-risk, particularly in downtown Portland, due to rising dues, insurance challenges, special assessments, and urban conditions. Single-family residential homes continue to outperform condos, especially outside the downtown core. The Ritz-Carlton condo project illustrates how pricing, timing, and market sentiment can dramatically affect luxury developments. Oregon Senate Bill 426 raises new concerns by making homeowners jointly liable for unpaid contractor wages, increasing the importance of contractor due diligence. The hosts expect steady improvement through 2026, with consistency, experience, and ethical practices rewarded as the market stabilizes.   Connect with Joe Soldera Properties Joe on LinkedIn   Connect with Steve Steve's Team at Premiere Property Group Steve on LinkedIn   Listen to The Portland Real Estate Podcast on: Apple Podcasts | Spotify  

In Episode 161 of Trap Talk, Zach Nannini and Richard Marshall Jr. sit down with Chase Dobrinski from Silver City, New Mexico — a four-time Sub-Junior ATA All-American, multi-time New Mexico state champion, and the youngest shooter in ATA history to break 200 straight in singles at just 11 years and 8 days old.Chase walks us through his journey from a 7-year-old shooting clays at the Whittington Center to stacking up serious titles: New Mexico state singles champion in 2022, plus singles, HAA, and HOA at the 2025 state shoot, multiple 100s, and his first 100 in doubles at the Autumn Grand. He also breaks down his evolution in gear — from an old CZ 28-gauge side-by-side to an SKB 20-gauge, a borrowed BT-99, and now a Browning 725 trap combo set up around 70/30.The conversation digs deep into what actually makes a young champion:how coaching from Cory and Britt Dalton — and time on the line with Britt Robinson — changed his doubles gameusing older country music (George Jones, Waylon, Merle) to stay in the groove and block out pressurewhy he doesn't shoot a ton of practice and refuses to “waste 25s” before eventshis goals of AAA-27-AAA, getting his 100 from the back fence, and completing a Grand Slamthe reality of balancing a 4.0 GPA at a private Christian school with missing 30+ days a year to travel and shoothunting elk, deer, oryx, and ibex on family ranch ground — and how that outdoor life shapes his mindsetWe also get into Chase's other passion: 916 Knives — his custom knife brand named after his family cattle brand that dates back to 1884. He talks about teaching himself knife making from YouTube, building orders, making his own leather sheaths, and using that side hustle to help fund his shooting.Chase closes with solid advice for young shooters:don't let one bad score wreck your weekend, stop blaming your gun for everything, and remember it's usually “the Indian, not the bow” — look at the target, make sure the gun fits, and keep going.If you're a youth shooter, parent, or coach looking for real-world insight into what it takes to compete at a high level while still in high school, this episode is worth your time.Like, comment, and subscribe — and if you need a custom blade, check out Chase's 916 Knives (links in the description).Follow & Subscribe to Trap Talk! It really helps the show! YouTube - https://www.youtube.com/@traptalk27 Instagram - https://www.instagram.com/traptalkfromthebackfence/ Facebook - https://www.facebook.com/traptalk27 TikTok - https://www.tiktok.com/@trap.talk.podcast *** Email us your listener questions to askus@traptalkpodcast.com *** *** Visit TrapTalkPodcast.com for all our links! ***

John wants to be bed ridden, can I see your receipt sir, is it too late for Christmas gifts, Mica's murder story and you're a good looking guy. Also, attempted HOA overthrow, coffee shop encounters, have you ever been in Ross' shoes and put my dick in the meat slicer. All that and more on this episode of The Born Stupid Show.

Trương Hựu Hiệp và Lưu Chấn Lập, hai trong số những lãnh đạo quân sự quyền lực nhất Trung Quốc, hiện đã chính thức bị bắt giam. Những lời đồn đoán đã râm ran trong cộng đồng người Hoa hải ngoại suốt nhiều ngày qua, nhưng tốc độ xử lý vụ việc vẫn gây ra một cú sốc lớn; bởi lẽ thông thường, luôn có một khoảng lặng rất dài kể từ khi các lãnh đạo bị giam giữ cho đến lúc số phận của họ được công bố chính thức.Xem thêm.

“If your apartment complex required you to DNA‑swab your dog so they could fine you for any poop you didn't pick up… would you fight it, or proudly hand over the cheek swab?”That's the question that kicks off a riotously funny edition of The Ben and Skin Show, as Ben Rogers, Jeff “Skin” Wade, Kevin ‘KT' Turner, and Krystina Ray unravel one of the wildest HOA policies ever put in place — a New Jersey luxury condo that uses a company called Poo Prints to match abandoned dog droppings with the responsible canine through DNA testing.

Dan is not happy with how one HOA handled a resident's desire to use a generator during the Nashville Ice Storm, and Chris Hand joins | aired on Thursday, January 29th, 2026 on Nashville's Morning News with Dan Mandis See omnystudio.com/listener for privacy information.

Hello, Booty Gang—sound the alarms and clutch your pearls, because the whole gang is back in the studio. That's right: Dr. Carlton, Dangilo, and Producer Tony are all present, accounted for, and emotionally unprepared.This week's episode has everything: travel tales, worked holes (allegedly), international steam, and listener feedback that proves you are paying attention—and taking notes. Dr. Carlton kicks things off with a Palm Springs recap that can only be described as restorative, adventurous, and very hydrating. Let's just say the desert wasn't the only thing getting worked, and leave it there before the HOA gets involved.Meanwhile, Producer Tony returns freshly marinated from Italy and wastes zero time taking us inside a Florence bathhouse experience that answers the age-old question: Is the Renaissance alive and well? (Spoiler: yes, and she's naked.)In listener land, the Booty Gang is fired up. We've got two thoughtful, spicy reactions to our reaction to the Las Culturistas vs. Jasmine Crockett moment—because nothing says community like layered discourse with a side of shade. Add in a Booty Gangster who is struggling with dryness (we're talking Sahara, not personality), and another listener sliding into Dr. Carlton's inbox with questions about Spring Blooms that are less “fresh florals” and more “is this normal?”It's a classic Butt Honestly episode: equal parts sex-ed, group chat chaos, cultural commentary, and lovingly inappropriate oversharing. Educational? Yes. Unhinged? Occasionally. Entertaining? Always.So settle in, hydrate accordingly, and enjoy an episode that proves once again—when the whole crew shows up, things get slippery fast.

Writer Lauren Ashley Smith joins Best Gabe Ever to give advice even though she's been married for ten years. A man insists on telling his friend that she's not in the same league as the men she wants. Can you date someone you're not attracted to right away? Was it rude for a wife to tell her husband he's too broke to be sexist? Gabe's new experiences as a man in the eyes of women. An HOA story about revenge! A woman wants to tell her BFF her baby name is horrendous. Check out Rosetta Stone and use my code TODAY for a great deal: https://www.rosettastone.comOur Sponsors:* Check out Rosetta Stone and use my code TODAY for a great deal: https://www.rosettastone.comSupport this podcast at — https://redcircle.com/just-between-us/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

TOP STORIES - Florida Rep.Vern Buchanan announces his retirement, lawmakers again try to define what's 'harmful to minors' when it comes to school library books, nearly 80% of Florida voters support overhauling HOA rules, Southwest Florida Water Management District declares ‘severe' water shortage, implements watering restrictions, and the Tampa Sports Authority has a lot of questions about the Rays stadium deal.

Referrals are often talked about as a “nice to have.” In this episode of Behind The Numbers With Dave Bookbinder, they're treated for what they really are - a measurable, scalable driver of profitable growth. Dave Bookbinder speaks with Brandon Barnum, widely known as the “King of Referrals,” about how referral-driven businesses outperform those that rely on traditional selling. Brandon shares his journey from single dad to referral-based entrepreneur and CEO of HOA.com, and breaks down the numbers behind referrals, including why B2B referrals convert at higher rates, stay longer, and deliver greater lifetime value. The conversation goes beyond theory and into execution. Brandon explains the mindset shift from selling to serving, his three-step referral framework (set the stage, listen for referral triggers, ASK to GET), and how to move referrals from something informal to a repeatable system. They discuss how to build and train referral partnerships, co-marketing strategies that actually work, and how to stand out when a prospect is given multiple referrals. Brandon also covers overlooked referral sources, the KPIs that matter when tracking referral performance, and how to scale referrals without losing the personal connection that makes them effective in the first place. Listeners will walk away with practical, actionable ideas - how to audit your existing relationships, why committing to one referral partner meeting per week can change your pipeline, how to systematize referrals across your team, and how to create a clear referral partner blueprint. About Our Guest: Brandon Barnum, known as the "King of Referrals," is an award-winning entrepreneur, speaker, and business strategist. He is the CEO of HOA.com and the author of four #1 best selling books in the Raving Referrals book series. A referral and sales expert, Brandon 10X'd his income from $20K to $200K in just 18 months. He has since generated over $500 million in referral-based transactions and built networks with over 5 million members in 195 countries and has helped over 250,000 real estate agents grow their businesses. Previously, he served as CEO of Codebreaker Technologies, developing the world's first personality-based AI for sales. Featured in "The Wall Street Journal", "Newsweek", and "Cracking the Millionaire Code", Brandon helps professionals expand their income, influence, and impact through proven referral and sales strategies. https://ravingreferrals.com About the Host: Dave Bookbinder is known as an expert in business valuation and he is the person that business owners and entrepreneurs reach out to when they need to know what their most important assets are worth. Known as a collaborative adviser, Dave has served thousands of client companies of all sizes and industries.  Dave is the author of two #1 best-selling books about the impact of human capital (PEOPLE!) on the valuation of a business enterprise called The NEW ROI: Return On Individuals & The NEW ROI: Going Behind The Numbers.  He's on a mission to change the conversation about how the accounting world recognizes the value of people's contributions to a business enterprise, and to quantify what every CEO on the planet claims: “Our people are this company's most valuable asset.” Dave's book, A Valuation Toolbox for Business Owners and Their Advisors: Things Every Business Owner Should Know, was recognized as a top new release in Business and Valuation and is designed to provide practical insights and tools to help understand what really drives business value, how to prepare for an exit, and just make better decisions. He's also the host of the highly rated Behind The Numbers With Dave Bookbinder business podcast which is enjoyed in more than 100 countries.

Today we cover a man fighting the good fight to keep enjoying his motorcycle rides with his son, but unfortunately his HOA is getting in the way of that. Please support his fight against Karens if you can buy purchasing a patch, sticker, anything with this link. Click HereLearn the story behind a fallen firefighter, army veteran, husband, and father. We raise our glass to you Pat. Click HerePour yourself a damn good cup of Gun Barrel Coffee and kick the day in the balls! Save 10% by using code "FREEDOM" at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.gunbarrelcoffee.com/pages/freedom-friends⁠⁠⁠⁠⁠⁠⁠⁠⁠If you want to support the show support us on Patreon! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://patreon.com/freedomfriendspodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you want to get some of the fine smokey treats you see us having, check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.warfightertobacco.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For all your games, drinks and high jinks at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://battlepub.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow the guys here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/warfighter_jon/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/hooliganmikey/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Khi hay tin được trao Huân chương OAM, Dr Judy Tang nói chị “rất, rất vui và vinh dự”, vì “thật sự không hề nghĩ tới”. Với nữ chuyên gia thần kinh tâm lý học, sinh ra tại Melbourne trong gia đình người Việt gốc Hoa tị nạn, sự ghi nhận này mang ý nghĩa vượt xa một danh hiệu cá nhân.

Send us a textOn this episode of the CSZ Podcast, brought to you by Prime IV Louisville, we are coming to you live from the Shoot 360 Studios, Jeremy is joined in studio by Joey & via Restream by Shawn, Sam, Wes & special guest host for the night, the incomparable Chrissy Banta! The squad will recap this week in Men's & Women's hoops, next weeks guests are revealed again, The Rock, debut of the Kings Corner with Head Coach Chris Redman on the phone, my new job in the Redman coaching tree, the Rock, HOA hate & much, much more including our usual shenanigans! You won't want to miss this one! The Cardinal Sports Zone Podcast is brought to you by Prime IV, Shoot 360, Four Pegs, Fitness Market, Cherry Pickin Goods, Planet Fitness, Mossy Oak & Hart Reality, Collision Course Crew, Rally House, Beckmanns FineBladeZ & Josh Jarboe from Remax Reality.Follow us on Twitter:@CardSportZone@Jeremy_CSZ@lvilleshawn@baseboy124@DPence_@joewahman526@WesB_42@WesKeyes_CSZ@IamthehiggyFollow our sponsors on social media:#PrimeIVLouisville#JoshJarboe@PlanetFitness@Rally_House@FitnessMarketKY@course_crew@FourPegsBeer@MossyOak@Shoot360Lou@CherryPickinGds@Zach_Beckmann1Support the show

Send us a text  Jun Vegara, general manager of LA Clays and Jake Spengler, general manager of Rocky Creek Sporting Clays join us this week to give you the details of the 2 Dead Pair Blasts for 2026! The sponsors have stepped up in a huge way and the payouts are all back to class, not HOA!  These are 2 shoots with great payouts, tons of random entry prizes, and lots of hospitality, that you are going to want to attend! Listen in for all the details, and get registered on Scorechaser!  LA Clays- https://laclays.com/  Rocky Creek Sporting Clays- https://www.rockycreeksportingclays.com/Dead Pair Swag- https://x062jy-1z.myshopify.com.Kolar Arms – https://www.kolararms.com Fiocchi USA – https://fiocchiusa.comGun & Trophy Insurance – https://gunandtrophy.com/                                         Atlas Traps – https://www.atlastraps.comRhino Chokes – https://rhinochokes.comRanger Shooting Eyewear – https://www.reranger.com   Ranger 10% Discount = DEADPAIR10Taconic Distillery – https://www.spirits.taconicdistillery.com/  Discount -DEADPAIR10Long Range – https://www.longrangellc.comSlick Products – https://www.slickproductsusa.com/deadpair     ElJefe Energy – https://www.eljefe.com OtoPro Technologies - https://otoprotechnologies.comBarepelt - https://barepelt.comScore Chaser – https://scorechaser.com/NSSF Plus One – https://www.nssf.org/plusone/                                                              Clay Range Design Works – https://traptowers.comSupport the showThe Dead Pair Podcast - https://thedeadpair.com FACEBOOK- https://www.facebook.com/Thedeadpair. INSTAGRAM- https://www.instagram.com/thedeadpairpodcast/YOUTUBE- https://youtube.com/channel/UCO1ePh4I-2D0EABDbKxEgoQ

-Rob previews geopolitical dominoes—Iran, Cuba, Venezuela—while blasting left-wing activists, mocking Don Lemon's latest disaster. -Global chess moves unfold when Lt. Col. Tony Shaffer appears on the Newsmax Hotline, breaking down Trump, Davos, Greenland, China, NATO panic, and why Europe is basically a “BMW-driving socialist HOA.” Today's podcast is sponsored by : RELIEF FACTOR - You don't need to live with aches & pains! Reduce muscle & joint inflammation and live a pain-free life by visiting http://ReliefFactor.com or call 1-800-4-RELIEF now! SHOPIFY - Stop waiting and start selling! Sign up now for your $1/month trial at http://shopify.com/newsmax BIRCH GOLD - Protect and grow your retirement savings with gold. Text ROB to 98 98 98 for your FREE information kit! To call in and speak with Rob Carson live on the show, dial 1-800-922-6680 between the hours of 12 Noon and 3:00 pm Eastern Time Monday through Friday…E-mail Rob Carson at : RobCarsonShow@gmail.com Musical parodies provided by Jim Gossett (http://patreon.com/JimGossettComedy) Listen to Newsmax LIVE and see our entire podcast lineup at http://Newsmax.com/Listen Make the switch to NEWSMAX today! Get your 15 day free trial of NEWSMAX+ at http://NewsmaxPlus.com Looking for NEWSMAX caps, tees, mugs & more? Check out the Newsmax merchandise shop at : http://nws.mx/shop Follow NEWSMAX on Social Media:  -Facebook: http://nws.mx/FB  -X/Twitter: http://nws.mx/twitter -Instagram: http://nws.mx/IG -YouTube: https://youtube.com/NewsmaxTV -Rumble: https://rumble.com/c/NewsmaxTV -TRUTH Social: https://truthsocial.com/@NEWSMAX -GETTR: https://gettr.com/user/newsmax -Threads: http://threads.net/@NEWSMAX  -Telegram: http://t.me/newsmax  -BlueSky: https://bsky.app/profile/newsmax.com -Parler: http://app.parler.com/newsmax Learn more about your ad choices. Visit megaphone.fm/adchoices