Podcasts about hoa

In this unplanned episode of Sorry, We Tried, it's FREE TALK FRIDAY — the time on the show where we take a break from all the movie reviewing and other nonsense that we do to talk about whatever's on our minds. On the menu this time — Harrison squabbles with his HOA after a fence installation goes horribly wrong. Robby discusses exactly how long it's okay to go without doing laundry. Spencer bombs at the Dirty Santa exchange. And a lot more, obviously!Also in this episode, Harrison reveals an insane bit of trivia about French choir singers. Robby forgets to order a second burrito. Spencer raw dogs the intro. And the guys discuss exactly how long they can be alone with their thoughts before breaking down.Website: sorrywetried.comMerch: bit.ly/swtmerchInstagram: @swtpodcastTwitter: @sorrywetriedEmail: thepodcastmen@gmail.com(As always, a huge thank you to Richard Hackley for the intro and outro music.)Send us Fan MailSupport the show

On today's Chicago Confession, Jenna debates if she should tell her friends about her surprise change of heart when it comes to Botox. We also dive into the ridiculous HOA complaints people have recieved, and Nathan had a serious weekend oppsie. Double Your Paycheck is back! You can get signed up at the link below. Catch up on everything you missed from today's show on The Morning Mix Podcast!Listen to The Morning Mix weekdays from 5:30am – 10:00am on 101.9fm The Mix in Chicago or with the free Mix App available in the Apple App Store and Google Play.Sign up for Double Your Paycheck: Sign Up Now!Follow The Mix: The MixstagramGet the Free MIX App: Stream The MixSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It seems like inflation has hit everything INCLUDING the Tooth Fairy! We find out what the new going price for a tooth is and it is insane! Last week we had a special edition of Sky's Wheel of Food, Sky's Wheel of SOUP! Well we loved it so much that we decided to do it again! This week, the wheel landed on a soup that both Eddie and Emily had on their top 10 soups lists, Pozole! Sky would love to be a part of an HOA board. She wants to tell everyone what to do and we absolutely hate it! Well we found a story of something an HOA did to someone who was following the rules PERFECTLY and why it is totally insane!See omnystudio.com/listener for privacy information.

This episode of The Homeowner Show dives into a wide array of current events and hot topics. Hosts Kevin Hackett and Craig Williams kick things off by discussing the sweltering heat and its impact on outdoor work. They then transition into a detailed breakdown of the recent Candace Owens and Andrew Wilson debate, analyzing the claims made and the broader implications of such online discussions, particularly concerning their significant viewership and the nature of their content. The conversation then shifts to economic and social trends, including a report on home builders starting to cut prices and offer incentives, a stark look at the average annual cost of home maintenance, and the surprising rise in HOA fees. They also delve into data about the top five cities people are exiting in 2025, with a focus on the reasons behind these population shifts, such as housing costs and quality of life. Finally, they touch upon the literary world, debating the merits of classics and the importance of reading, before wrapping up with a discussion on the growth of certain cities and the changing landscape of homeownership. Buy a Homeowners Show T-Shirt! Subscribe to our YouTube Channel The Homeowners Show Website The Homeowners Show Facebook Page Instagram @homeownersshow Twitter @HomeownersThe Info@homeownersshow.com Sustained Growth Solutions – Design a lead generation system specifically for your business so that you never have to search for leads again! We are a full digital marketing agency. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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The best real estate investing advice you'll ever hear is to just get started. But that advice comes with a catch: some rental properties can set you back many years. Today, we're sharing six red flags to watch out for, so you can know if you're actually buying a good real estate deal—not a trap! Welcome back to the Real Estate Rookie podcast! Some deals can be incredibly convincing when you run the numbers. They might look profitable. They may have less competition, a lower purchase price, and a story that makes you believe you've found a diamond in the rough. But beneath the surface, these properties come with all kinds of issues and risks. We're breaking down six types of properties we'd steer clear of—from D-class properties that see very little appreciation to properties trapped inside HOA neighborhoods. If you're not careful, these properties can drain your time, eat through your cash reserves, and create unnecessary stress. We're telling you exactly what to watch for, and why, especially if you're a rookie investor! In This Episode We Cover The six “worst” types of rental properties we'd never invest in Why D-class neighborhoods may look tempting but give you little appreciation The HOA red flags that can quietly erode your rental cash flow Why buying a property with only one exit strategy is (very) risky Why investing in flood zones can cause your insurance costs to spiral The dangers of buying a rental property with negative cash flow And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠t⁠⁠tps://www.biggerpockets.com/blog/rookie-759. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Re-releasing a Dental A-Team podcast fan favorite! Britt is fresh off visiting a ton of practices, many of which are part of dental support organizations (DSOs), and she's sharing her insight. With Kiera, she talks about the foundational pieces to set up DSOs for success — everything from training the leadership team, setting up KPIs, providing profit and loss statement education, and allowing culture and patient experience to grow in each practice while keeping an overall brand. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera. And today we are bringing you something so special. I am so excited because this is one of our most popular episodes from the archives. Whether you're hearing this for the first time or catching it again, I am so excited because it's jam packed with a ton of takeaways that you can start using right now in your practice. We have released thousands, literally thousands of episodes. And I wanted to start bringing a few of these amazing episodes back for you. So I hope you enjoy. And as always, thanks for listening and I'll catch you next time.   on the Dental A Team podcast.   speaker-0 (00:31) and I've got the one and only Brittany Stone back on the pod. Guys, she has been a freaking road warrior, traveling to seven offices in one day. Dang, Britt. Welcome back. How you doing? How you feeling? How are you today?   speaker-1 (00:45) I'm good. You made me sound better than I was in one day. Seven in a week. Still a lot, but seven in a week.   speaker-0 (00:51) Yeah, that's exactly what I meant. We could edit that or you guys can just know. in my mind, I think it felt like you were seven in a day. Like you were cruising   speaker-1 (00:58) Yeah.   speaker-0 (01:00) to practices. Seven in a week is so many offices. But guys, don't worry, Britt wasn't like leaving them high and dry hanging out. You were seeing it kind of walk us through. I know you went to quite a few DSOs that had multi practices, multi locations. Kind of what was that like and and how does that even look when you're going to multiple practices like that?   speaker-1 (01:19) Yeah, it's fun. So that was it was a week of my like multi practice location. So one had three offices, one had four offices, the two groups that I work with last week. And so it's fun. It's fun to see one you get to know kind of like the visionaries who who started a thing, whether it's just an owner or multiple partners that are involved in it, get to see kind of their vision and it's it's fun to see   the different also types of practices that are underneath their umbrellas and how they run 'cause usually we've got some different sizes, obviously different locations. So so yeah, I got to go in, meet everybody, go see all the different practices, kind of see what's going on with them, what things we could help with on an individual practice level and then also as an organization. So it was a good time.   speaker-0 (02:07) That's a lot. And I I do think it is fun when you go see multiple practices because this whole idea of DSO is that we want all of our practices to run exactly the same. And I know when I was a regional manager of ten practices, the bottom line is there is no such thing as running every practice the same. I think it's more like getting rid of that illusion that they're all going to be the same. And it's more what are the foundational pieces and the the silver lining strings that we want running amongst them all. Britt, I know you had one practice,   that kind of wanted to do their own thing within a group. Like, how do you how do you get like one, paint the vision of all the practices needing to be at least fundamentally pretty consistent and similar. And then also helping the doctors and the team members understand like, I get it, it might be annoying for you, but for the greater good of all the practices, it really does make everything easier when we run the same. Because I know a lot of practices just want to run as solo practices, but when you're in a group and multi-offices   that no longer serves the greater organization. Like what was kind of your findings with that? How do you how are you finding to get people on board? Is that something you were running into? Just kinda give us your thoughts around that.   speaker-1 (03:16) Yeah, I think every DSO probably struggles or like group practice struggles with all right, how much do we have the same and like where can we kind of let them be their own and shine in their own way? And also from the business side of things for the DSO, right? What things are more financially beneficial for us to be able to do them the same and have on the same system? so that we run it across all offices and get the true benefit of the DSO.   And so that's where you s kind of start to to figure out, all right, there's gonna be a lot of systems that one, yes, anything that impacts other offices or the group overall, we've gotta make the best decision for the group on how we want that to run, whether it's but easy things like payroll is a pretty pretty common one that's gotta be obviously the same across all over offices. If we're using the same software, right, the way we run our schedule, who's allowed to be on our schedule.   All of those things kinda need guidelines that go across the board. So we all know a little bit of the rules of engagement on things like the schedule. So that's kinda I start to think of it as all right, what are the most important things that impact each other that we need to have the same that's also gonna allow us to be most financially beneficial for the DSO? And then what things don't necessarily impact the other offices where those offices can start to really like, all right, what are procedures you do? Great, go run with it, build it up and   Even if we can get some referrals from other offices for that thing, fantastic and they kinda kinda do their own a little bit.   speaker-0 (04:48) For sure.   And but I was thinking like it actually might be fun on this podcast for us to dive into when you're in a DSO, because Br I know your private practice sold to a DSO. I work with lots of DSOs. You work with lots of DSOs. And I think DSOs are a pretty hot buzzword right now in dentistry. of kind of what are some of those things that you should have standardized. I love that you brought up the payroll for sure. for me, some of the things I know I'm looking at is I really am just looking at   Key metrics amongst all practices. And I know, Britt, with a lot of the DSOs that you and I are consulting together, that is one of the biggest things of making sure all of them are hitting the metrics. And then whatever they want to do outside of those metrics, it's pretty much free reign from there. So, like we're talking labs, supplies, overhead, production per hour per provider, hygiene production.   those are like my main things. Case acceptance is another one I really like to watch. Number of new patients per practice is another key indicator that I really love watching. but those are kind of the main things. And then I really feel like in DSOs and multi practices, some of the biggest things that get lost are culture and patient experience. And those are to be different shades for every practice. And I really I like practices to think in like, no, you want the patient to feel the exact same way whether they come to this location.   Or whether they're going to another location. It is that way. And having practices and offices think like I've got one right now and they just acquired another practice. And they're really doing a divide between the offices. And they're they're labeling each office based on the city. I was like, whoa, whoa, whoa. let's call them all the practice name. So we are all, let's just say, healthy smiles. It's not healthy smiles of probos and healthy smiles of orum. It is   Healthy smiles, and then we have our Aurum location and our provo location. Those are just a quick way because I think when you can have it as an umbrella of all the practices operate as this way, and then here's these different locations, but helping everyone realize there is the healthy smiles way. And we operate on healthy smiles first. Secondary is going to be our location. Are those some of the things you've seen? Like those are one, the key indicators I like to look at. And then secondly, making sure that people realize like the culture and the patient experience.   really need to be dialed in in my opinion, to really help these DSOs grow and flourish.   speaker-1 (07:09) Mm-hmm. I'm with you on KPIs, right? Teaching office managers how to be able to kind of take charge of those, know what's going on in their practice, and that we're all watching those important numbers to be healthy for sure. That's an across the board thing. and then I'm with you on capitalize off the brand. from a lot of the DSOs we work with, where it's a few different locations, usually I feel like a lot of them are gonna be like five or less, where you can truly   make sure that we are maintaining our standard, maintaining our brand, and then capitalize off of that brand for all practices to where there might be a patient who's looking to go to the office, but maybe it's a little bit farther. great, they've got a location that's closer than to me. Awesome. Let me just go ahead and go to that closer location. And agreed. You've got to keep then the culture and the patient experience up to be number one. And what does that look like? What does it stand for? And there are   I will say different pieces that go into that when it comes to maintaining that culture in our practices and that experience. And I think those would be some non-negotiables like you start to build in if it's we're on time, right, with our appointments as much as possible. So that's something we really drive with our teams. We're always friendly with our patients, we're always welcoming. How do we present on the phone?   you can start to dig into some of those things that you really want to represent as a practice and make sure it's ingrained in our team members and how we present.   speaker-0 (08:41) Yeah. And I think like you said it's that culture in that brand. And honestly, I think people forget that that's actually why you became successful. Like that culture, that brand you started developing, that's how you're able to multiple scale across other practices. And I feel like offices that that see all the practices as one company and then the the different locations are just extensions of that company are the ones that really flourish. In that same thing, I feel like Britt, something you and I have really been   trying to hone in on with offices is to make sure that they have a key leadership team. So people that are really in sync to make decisions. and that's for your operations, for your labs, for your supplies, and and then making sure that things can actually execute forward. Because I feel like when we get a lot of partners involved, what happens is everybody has a strong opinion, but those opinions actually are great unless they stop all the the forward progress   And I think they really just have to be key decision players that everybody elects. It's almost like a board. I feel like all the practices are almost like a neighborhood and you need an HOA, like somebody who can actually just make the decisions and execute in the best interest. And maybe you've got a few of them. So you've got, say, your regional manager who's overseeing all of the practices, the overhead, the operations really. You've possibly got a clinical manager on there who's really looking at the hygiene, the dental assistants.   Then you've got probably a dentist on the board who's making decisions as far as what are the clinical diagnoses, what are the supplies that all dentists need across the board. And then you're probably gonna have somebody who's your finance person. So someone really looking at the financials of the practice. And if you can have one of those key players, I feel like just get that honed in. Then you can have all the practices have their own like little leadership teams and whatnot.   But really you've got those four players who can make very strong decisions. And maybe the dentist is the same person as the clinical lead. Maybe that we don't need an extra person there, maybe not. But I think if you can really get that dialed in, you're going to be able to make a lot stronger decisions and be able to move things forward more. Britt, what are you seeing? Like you were literally just in DSOs. Are you finding that that type of structure helps move things along? Or are you finding like, no, we need to have key leaders in other areas?   Wha what's kind of your take on how to make sure decisions can be made? Because I truly feel like once you get the the KPIs dialed in and everyone's reporting in, once you get your office managers looking at their practices, making sure they're profitable and reporting in, then you got your culture and your brand, it's really about getting decisions made quickly and moving things along rather than getting stagnated with so many opinions.   speaker-1 (11:20) Mm-hmm. And I am big on agreed. You've got to figure out who are your key players, what leadership team do you need in place. I am in big support of having someone who's a strong regional manager in place to help make a lot of those kind of smaller decisions for offices, the offices need support on and empowering office managers to make decision decisions within the balance that you give them.   I think the more you expose your office managers and teach them some of the business side to where they really know what those KPIs are, they really know what they're watching, they know how to influence it, you'll become more confident in their decision making as they see things at a kind of higher level, a bigger picture. but when they can have that information, know how to see it from a little bit higher level, start giving them   the the opportunity to make decisions within their practice. So one, they can kind of see the fun and feel empowered to where they really can run that team and own that office. and they don't feel like they're just kind of sitting waiting for people to tell them what to do. and then that they've got a really strong regional behind them who also has the ability to make decisions within the parameters that if it's partners or owner gives them.   to keep moving things forward and same thing. It's a super empowering thing to where they can get more creative and think of o opportunities for the practices than just feeling like they need to wait because they can't make a decision or do anything because someone's not gonna approve of it.   speaker-0 (12:47) And I really love that you talked about having that regional manager understand the business. I feel like in DSOs, you have to have somebody who understands the business and can think like a business owner. That way they can make decisions. Britt, what were some of the things that as you were basically their regional manager, you were in that DSO role? What were some of the things you felt helped? Because I I think I think sometimes business owners forget everything they've learned. So having somebody come through, it's almost like we've forgotten what business 101 is.   of what things we really need to teach them. What have you found that was maybe helpful for you, for your owners to teach you so you could be more successful in your role within that DSL?   speaker-1 (13:28) Sure. I think one of the first things is helping the office managers and regional managers understand what a PL is. Like, and it doesn't even have to be like the terms of this is a PL, but understanding, I like to relate it to it's just like at home if we have a budget, right? And what money do we have coming in, what things are we spending money in, and at the end, you know, what do we have left over? Just helping them understand not overall.   kind of equation of how the business runs and what are the different pieces within that that they can impact, which is ultimately how many patients we have, how much we treatment plan is truly our ultimate potential as an office. And then what we close, what we schedule, what we collect on, and then controlling our expenses, so then we can have a greater kind of profit left over at the end. So helping them understand that big picture and then helping them to understand within each of those little sections, which are   Then KPIs, what are the more like tangible things that we can track that impact that bigger equation to the business? And agreed, I think we don't realize how much we've learned along the way or people have taught us along the way, even myself kind of running through sometimes these KPIs when you haven't seen them before and you don't understand one, maybe where they come from, or two, why would we even track it? And three.   What could I even do to change that number? Like those are things you have to learn over time and someone's gotta gotta actually take the time to invest in teaching you.   speaker-0 (14:59) Which I I don't think people realize that PNL. When I first looked at a PL, I'm like, this looks like a straight up foreign language. Like I don't even know what ninety percent of this means. And so just imagine, if you will, if you've been running a business, you've been looking at PNLs, pretend you were just plunked into like for me, I do not speak Chinese. So being stuck in a class speaking Chinese and them handing me a report and saying, Kiera, you need to be able to read this and figure it out and tell me what I should do with my business.   I would literally look at that and want to cry. And then I'd probably take a picture with my phone and I'd start Googling and I'd hope and pray I could find some type of Google Translate to figure it out. That like I feel is a good way for you to really understand like what it feels like to be those team members when they first start looking at PL. So I think one of the best ways is just practice. and what I've done is like Britt said, is really just   Sit with your regional. Also, you can do this with your office managers, especially in DSOs, because the more your office managers understand the PL and what it should look like, that can help. So it's really just dial into that. tell them what a healthy payroll like payroll should be sitting at less than 30% of our total collections every month. Our lab should be at less than 9% of our total collections every month, supplies 5%, and just go down the list with them so they can see is this good or is this bad?   I love HDA accounting. I think they do a great job. Profy is another one. I'd Bailey is another one. those are just some some accounting companies. I like when they send the P and L because it's red and green. Like HDA is like you get a thumbs up or you get a thumbs down. Makes it a little bit easier. But then asking your regional or your managers to say, Hey, when you look at this P N L, what do you see that's going really, really well? And what do you see are some of the areas that might be trouble areas and why? Because I feel like when you can start to almost   quiz them and role play with them and have more of a collaboration with them, they start reading that PL and figuring it out rather than you always telling them. But like Britt said, you've got to take the time and invest with them. That way they can look at a PNL. I know Shelbi's been doing RPLs. She sends it to me every week and finally I said, Shelbs, what do you see on this? And that was the first time she'd really looked at it. Sha I just had an assignment for her to send them to me every week, which she does great. But then I started asking her to look at them and then we start diving into it and looking at different numbers.   And it's crazy how when you just spend a little bit of time, people can really start to find things that you as the owner might even be missing. And then they can take the accountability and the ownership of it. But just realize like it is a completely foreign language for these poor people. Let's not forget to train them and educate them so they can be set up for success.   speaker-1 (17:38) Mm-hmm, for sure. And I think also when it comes down to it, when you start looking at some of these numbers and you haven't looked at it before, so even office managers, when they look at it and they haven't seen it or regionals, they're gonna start to understand and like it it's fun in in a way to see their eyes kind of open to like, I understand why like I really want to be able to hire an additional team member, but here's where we are, so it makes sense now why now's not the time to hire.   And we need to work on some other things so we can afford to hire another team.   speaker-0 (18:10) Exactly. And then you're no longer as the business owner, the bad guy or the good guy. When your regional says, Hey, I want to hire, you say, Prime, can we afford this? What does the PNL say? And they then are the ones who are answering the question rather than you being like giving the green light or giving the thumbs down. And then they are more again a partner with you. Britt, as a regional, and I'll give my insights of how it felt for me, how does that make you feel when you can as a regional start making those business decisions and truly be like a trusted   side partner where you're like really, really informed in the business. How does that make you as the regional manager, you as the manager, the practice like, what do you feel like when you feel that competent reading PNLs and understanding the business?   speaker-1 (18:54) I loved it. I loved it for one of the biggest reasons is because I'm in a practice, especially as OM, like I'm in a practice every day and can see what I have and what I need and what's actually going on like as close to the ground as possible. So when it's something like this, we're like driving numbers in a certain direction, I'm like, all right, I can see multiple things kind of in the puzzle that I can start to manipulate or impact.   to be able to drive those numbers, drive the results, or if it's like, hey, we want to get new technology, what do we need to do to get there? Great, we want another ITero. Here's a plan of how we can afford to get that new piece of equipment.   speaker-0 (19:33) Exactly. And it it feels so good. Like for me, it just felt like the I like to win. And I felt like it was finally my my roadmap to being able to be successful and and hit the goals that my doctor had, but literally have like the optics, if you will, for success. And so I think it's super paramount of teaching your team members and empowering them. Like even as team members, I know Tiff, Britt, Shelbi, like our whole team. They'll look like, Kiera, can we actually afford that?   That is like one of the happiest days of all of my business time because I'm like, they're actually looking to see, can we afford that? Can we do this? Does this make sense for the business? And it's not me just carrying the weight anymore. So I feel like it's really important for for offices, especially DSOs. Like I would say if we were to recap this and Britt, it's fun that you just came in off of DSO. So I thought, like, hey, let's dive into DSO success of one.   Like set up your KPIs. Make sure you've got all practices reporting in and they understand and like truly spend the time to teach your office managers at each practice what those KPIs need to look like, how to get the information, and then have a set cadence where they're really reporting in with you. The next thing is like build up that leadership team within the DSO of the strong people that can actually make the decisions and they have the autonomy and the authority to execute. And then third, train the team members to really look at these PL so they understand.   Before all that we did talk about like having the standardization of culture, the name, making sure those things run the same. And I feel like within DSOs, you are way, way, way more needed to be structured and to over-communicate than you are in solo or even secondary practices. Like the type of communication, the amount of communication, the amount of I would say like rules with massive air quotes. Like people just need to know the guidelines of what we can or can't do, and they've gotta be black and white. That's kind of like my recap of everything we talked about, Britt.   Of like DSO success, but is there anything I may have missed or things you want to just highlight on your own that you feel really really makes or breaks a DSO from your perspective?   speaker-1 (21:35) I think those are all key pieces that ultimately build to like there's no one or three people at the top that depending on how big you get, right? They can be responsible for making all decisions. So a lot of it is making sure you've got that flywheel of culture going to where you don't have to put so much effort into controlling it. And then you've got key people and support so that the people kinda at the top or the the OGs, the originals who kind of started it.   that you build in support for yourself and you're not having having to make all of those decisions for everybody.   speaker-0 (22:10) Think that that's actually one of the like key pieces that I hadn't even realized is this allows more freedom of those visionaries to go and make decisions, but have a team that can also make decisions and think like that visionary more so. So, like, and to be honest, a lot of people get excited about going and buying the practices that they forget. You need to have that foundation, those guidelines, those ways for people to make decisions without the OGs being there to answer everything. And if you don't have that in play.   Get that in play, hire a coach. That's what we do. We literally help offices get these things set up, things they might not have thought about. Be that mediator who can really remind, show, guide people to get things done. But make sure you have that in play as you're building, but or I would truly suggest before you do it. However, I know all visionaries just go and they buy the practice and then figure it out. So like it's cool. We we know you, we see you, but really getting that ability for people to be it have autonomy.   And so that way the owners don't have to always be making every decision. I think one just empowers everyone and two, it's an easier flowing process for sure.   speaker-1 (23:16) Mm. Absolutely.   speaker-0 (23:17) So guys, there you go. There's Road Warrior Britt coming back in off of a DSO week. We love our DSO practices. But really, I just thought it'd be fun for us to highlight today of what are some of the the key sticks success for DSOs. And Britt, I know you came from a very successful DSO before joining Dental A Team. And so I feel like you just have such a knack for it. And offices who work with you, shoot. You got some of the most raving reviews from the offices you were with. Like I got personal text messages from those doctors thanking you for being there and how much   you're able to clarify. So Britt, kudos to you. it's fun to have you share on DSO secrets and success.   speaker-1 (23:53) Thanks. I do love my D SOs.   speaker-0 (23:56) They're just fun. Britt and I giggle were like, we loved our our new practices, but man, those DSOs, they're like puzzles for us to have to try and figure out, put together. Britt and I will collaborate on these all the time, and it's so fun for those DSOs.   Kiera Dent (24:12) I hope you all loved today's episode as much as I did. It is crazy to think that this many episodes have been released since we started the Dental A Team Podcast. And I started looking to say, my goodness, our listeners need to be reminded of some of the things they may have learned a year ago or two years ago or five years ago, because so many things in our practices weren't relevant back then when we heard them, but they are relevant today. And I would be doing you a huge disservice if I didn't re-release some of these episodes for you to remember, to refine.   to optimize and really truly if you ever need a topic or you're like, my gosh, I wonder if the Dental A Team has anything like this, go onto our website, TheDentalATeam.com, click on our podcast tab and you can literally search any topic. So whether it's overhead or hiring or firing or team morale or engagement or case acceptance or hygiene or associate onboarding or whatever it is, we have so many episodes for you. And so I am going to intentionally be   re-releasing some of the top best episodes for you, pulling back some of the ones that I needed to remember, some of the things that I feel for you to really, really relearn right now and to re-remember, or if it's the first time, welcome. I'm so happy you're listening to it, but I hope you truly enjoyed today's episode. I hope that you share this with somebody. I hope that you go and implement today because we only have one day. We only get today. And so making today the best that it possibly can be. If we can help you in any way, shape or form, reach out Hello@TheDentalATeam.com.   And as always, thanks for listening and we'll catch you next time on the Dental A Team Podcast.  

Scott Rizzuto has apparently reached the stage of adulthood where there's a 75% chance that if you contact him between 4 and 5 p.m., he's peeling garlic. Not relaxing. Not enjoying a hobby. Peeling garlic. Meanwhile, Lern accidentally ordered enough garlic to make her house legally inaccessible to vampires, which sends the crew into garlic oil, home remedies and other advice nobody should blindly follow just because five people with microphones said it confidently.And somehow, that's one of the more normal conversations in this comedy podcast.King Scott's baby is getting CLOSE, which means it's time to dig up the official baby pool and see who predicted the date, time and weight correctly. Scott says he's about 60% ready, the go-bag exists somewhere, and the car seat installation is still hanging out on the to-do list. So basically, fatherhood is proceeding exactly according to plan.That turns into kid birthday party etiquette, whether “NO GIFTS” actually means no gifts, and the worst possible present you could give a five-year-old if your real goal is making sure the parents never invite you anywhere again. Drum set? Puppy? Gold bars? The Rizz Show remains committed to providing absolutely terrible parenting resources free of charge.Then school season arrives and brings back memories of first-day outfits, high school parking spaces, Scott spray-painting his initials onto school property like a criminal mastermind who also signed the evidence, college costs, and the crew trying to understand why Illinois keeps catching strays.But eventually we arrive at the question that could divide America:Can you drink a non-alcoholic beer at work?More specifically, what happens if your SURGEON walks into the room before your operation holding one?Technically, it's non-alcoholic. Emotionally? Your brain has already requested another doctor.The crew runs the experiment through surgeons, pilots, school bus drivers, air traffic controllers and other professions where “don't worry, it's an NA” probably isn't the comforting sentence you were hoping to hear. Then Rafe introduces an equally troubling alternative: your heart surgeon walking in with a Capri Sun and struggling to get the straw into the pouch.Choose your fighter.From there, today's comedy podcast tackles low-key addictions, Rafe's mint supply, bad-breath paranoia, online shopping, Amazon delivery drivers asking customers to stop ordering cases of bottled water, and whether water baking in a brutally hot delivery truck makes that expensive alkaline stuff slightly less impressive.Then we get into homeowner association insanity, because apparently owning your house doesn't necessarily mean you're allowed to sit wherever the hell you want on it. One homeowner gets accused of doing “porch-type activity” while sitting in his garage — yes, that's apparently a category now — while another woman deals with HOA fines over a dead bush by simply spray-painting the thing green.Problem solved. Botanists hate this one simple trick.It's another comedy podcast packed with daily humor, weird news, St. Louis stories, ridiculous arguments, parenting panic and the sort of pop culture commentary that starts with a reasonable question and ends with five adults debating whether they'd trust a surgeon holding a Capri Sun.So, another productive morning at The Rizzuto Show.Follow The Rizzuto Show → linktr.ee/rizzshow for more from your favorite daily comedy show.Connect with The Rizzuto Show Comedy Podcast online → 1057thepoint.com/RizzShow.Hear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Bobbie Dooley is demanding HOA members take down their Christmas lights because it’s early January and it looks white trash plus it messes with Steve’s ability to perform sexually.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.

Denver inventory dropped year over year for the second month straight, and the split between detached and attached is reshaping where the real deals are. This July 2026 Denver real estate market update breaks down 13,115 active listings compared to 13,995 last July, with detached homes still holding value while condos and small multifamily take the hit. For patient investors, that divide is creating some of the best entry points we’ve seen in years. Host Chris Lopez sits down with Troy Howell of Nova Home Loans, Jeff White of Envision Advisors, and Brandon Scholten of Keyrenter Denver to walk through the numbers. The panel covers a 32% value decline across 30 distressed Colorado multifamily properties, a Douglas County office building sold at a 53% discount, and a West Denver fourplex that just dropped $75,000 on ask. The group also digs into why detached properties are up nearly 5% year over year on average while attached median prices are down 2.5%. Condo financing is getting harder, HOA bankruptcies are killing deals, and Class C rents have fallen from $1,380 to the $900s in some pockets. On the rental side, metro apartment vacancy hit a 16-year high at the end of 2025, but Q2 absorption of 6,550 units against just 2,314 new deliveries is pointing to a slow recovery. In This Episode We Cover: Why Denver inventory is falling year over year again in 2026 The detached vs attached divergence and what it means for buyers How 30 Colorado multifamily properties ended up in distress Why banks are extending the pretend on bad commercial debt A West Denver fourplex with Section 8 tenants sitting well below market How to house hack past the 10 loan cap using primary financing Why fourplex house hacks still pencil in 2026 Whether you’re hunting your first house hack or looking to reposition capital into distressed multifamily, this Denver real estate market update gives you the ground-level data to make your next move in Colorado. Watch the Youtube Video https://youtu.be/IjdMdbnZBtw Timestamps 00:00 Welcome and July Market Update Intro 01:10 Denver Inventory Drops Year Over Year Again 04:35 Life Events Driving Today’s Transactions 06:03 Detached vs Attached Market Split 08:12 Condo Financing and HOA Bankruptcy Story 10:10 Condo Foreclosures Running 2 to 3x Average 13:22 30 Distressed Colorado Multifamily Properties 15:10 Banks Extending the Pretend on Bad Debt 18:26 Metro Apartment Vacancy Hits 16-Year High 20:05 Occupancy Climbs Back to 94.4% 24:20 Douglas County Buys Office at 53% Off 26:56 West Denver Fourplex Drops $75K 28:30 Section 8 Rents Sitting Below Market 34:20 House Hacking Past the 10 Loan Cap Links in Podcast Troy Howell: troy.howell@novahomeloans.com LinkedIn: Troy Howell Website: https://www.novahomeloans.com/loan-officer/troy-howell/ Brandon Scholten: brandon@keyrenterdenver.com Website: https://keyrenterdenver.com/ Jeff White: jeff@envisionrea.com Keyrenter Denver Mid-Year Rental Market Review 2026 Douglas County School District Buys Meridian One at 53% Discount (BusinessDen) Denver Apartments Sell at 36% Discount, 180 Flats Deal (BusinessDen) Apartment Conversions in the Denver Tech Center (CPR) Who is Keyrenter? Keyrenter Property Management Denver provides rental solutions for homeowners and real estate investors in the metro area who are interested in transforming their properties into passive income. It offers various services, from property marketing and thorough applicant screening to tenant placement and 24/7 maintenance services. Keyrenter Denver's team of experts can take the clients' burden of managing their rental off their hands so they can get back to what matters to them. Who is Nova Home Loans? For over 40 years, we've been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today! NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO

Nobody puts a picture of the barn in the listing and says, "We're not completely sure what's holding this thing up." Buying a homestead is a lot like dating — and today we're playing Would you date this homestead? We're past the basics. You know your price, your location, your acreage. This is what happens after the property catches your eye: what the listing photos aren't showing you, what to look for when you finally walk the land, the deed restriction that nearly cost us the property we loved, and the plumbing problem hiding under our slab that no inspection caught. I'm Wendi Bergin — Realtor, homesteader, and someone who has crossed a beautiful property off her own list more than once. Preparedness brings peace, not fear. That applies to buying land too. Chapters 00:00 — Falling in love with a listing before you've seen the barn 00:45 — Why buying a homestead is a lot like dating 01:05 — Welcome to Would you date this homestead? 01:20 — The dating profile: what the listing photos are not showing you 01:55 — Decoding listing language: "rustic," "peaceful country living" 02:20 — The Polk County drive-by, and the water we found 02:55 — Not in a flood zone yet: how new construction changes that 03:40 — The property that was 30 minutes from church, and why I crossed it off 04:25 — "Plenty of room for animals" doesn't mean you're allowed to have them 04:50 — The real question: the property, or the life you're imagining in it? 05:05 — First date: get out of the kitchen and walk the land 05:35 — Would that fence actually hold the animals you want? 06:00 — Why we tore out every fence on our property 06:15 — Outbuildings: is there water and power to the barn? 06:40 — The pig waterer I didn't know existed 07:20 — Pipes running there isn't the same as water that works 07:50 — Stand still and listen: traffic, dogs, shooting ranges, smells 08:30 — Distance matters: barn to house, feed, groceries 08:55 — Why our goats may never make it to the barn 09:25 — The one nobody asks: what will chores be like in the rain? 09:45 — The coughing goat, the nice sandals, and church 10:30 — What a good agent is actually there to do 11:05 — "Would I still want to live there on a tired Tuesday?" 11:40 — Meet the family: zoning, deed restrictions, and yes, HOAs 12:20 — Five acres each, horses allowed, goats not 13:05 — "It takes one person to pull up those deed restrictions" 13:50 — What I screened for: ag zoning, no HOA, flood zone 14:25 — Easements, insurance requirements, and animal rules 14:50 — Why we couldn't raise pigs in New Jersey 15:20 — Can you sell eggs? Park an RV? Run a business? Build a barn? 15:45 — Go deeper: episode 207 on buying land 16:05 — Well or city water, septic, who maintains the road, internet 16:40 — Calling the county until you get a real answer 17:25 — The baggage: every property has history 17:55 — Inspection questions worth asking out loud 18:50 — When the vines are doing most of the work holding up the fence 19:10 — None of this automatically means walk away 19:45 — Red flags don't turn green because the farmhouse sink is pretty 20:10 — Slab houses, buried plumbing, and what we didn't know 21:00 — Jackhammering up the half bath 21:40 — Relationship material: can you afford the house and the work? 22:35 — Land care in New Jersey vs. Florida, honestly 23:35 — What will you have to give up to own it? 24:20 — Maybe you need two acres, not five 24:50 — There is no perfect property 25:30 — Marry it, or thank it for a lovely afternoon 26:00 — What I actually want to know before I show you anything 26:40 — Buying outside Florida? I'll help you interview an agent A few things worth writing down The listing tells you whether you want a first date. It's not enough to decide whether you want to marry it. Fencing, outbuildings, water, and power are separate questions. Pipes to the stall don't mean working water; a barn can have water and no electricity. Stand still on the property for a full minute. Photos can't carry traffic noise, barking dogs, a shooting range, or the smell from the neighbor's operation. "Plenty of room for animals" and "legally allowed to have animals" are two entirely different things. Check zoning, deed restrictions, and HOA documents yourself — even on large acreage. Inspections don't catch everything. Ours didn't catch the plumbing under the slab, because nobody had lived in the house for three years. The question isn't whether the property has baggage. It does. The question is whether it's baggage you can afford, manage, and live with. Links Episode 207 — Three Things to Know Before Buying Land for a Homestead  Work with Wendi (Florida real estate) — https://joyfullyprepared.com/realestate/ Contact — https://joyfullyprepared.com/contact-me/ All episodes — https://joyfullyprepared.com/podcast/ FEMA Flood Map Service Center — check any property's flood zone — https://msc.fema.gov/portal/home Come find me If you're thinking about buying a homestead here in Florida, I would love to help you. If you're buying somewhere else, I can still help you interview an agent in your area who knows that "room for chickens" is not enough information. Reach out before you commit to that charming farmhouse with the questionable fence — https://joyfullyprepared.com/contact-me/ And if this one was useful, send it to the friend who's been sending you Zillow listings at eleven at night.  

Have you ever had a single conversation completely change the way you think about money, work, and what's possible for your future? Most professionals assume building wealth through real estate requires starting early, having perfect market timing, or making zero mistakes along the way. In this episode, I sit down with Traci Capraro, a tech sales leader, single mom of two, and founder of Take a TraCation. We're unpacking how one unexpected tax appointment with her CPA became the catalyst for buying her first oceanfront beach condo, building a geographically diversified portfolio, and scaling a thriving co-hosting business across the Carolinas.We talk about:Transforming a tax obligation into real estate equity after her CPA gave her a wake-up call, leading to her first short-term rental purchase in Murrells Inlet, South Carolina.Navigating the messy realities of a "failed BRRRR," from managing high interest rates and HOA assessments to learning how to evaluate properties based on strict data rather than emotion.Mitigating coastal seasonality by intentionally diversifying into the mountains of North Carolina, successfully refinancing a college-town cabin within twelve months to fund further growth.Converting personal project documentation on social media into a co-hosting business, deploying a robust tech stack—including management platforms, PriceLabs, and Turno—to deliver five-star guest experiences.Re-engineering personal mindset through podcasts, books, and focused goal-setting, creating a resilient business model that models financial independence and entrepreneurship for her teenage sons.Traci pulls back the curtain on the day-to-day realities of balancing a demanding tech career with active real estate investing and co-hosting. You'll hear how she navigated difficult client conversations, established firm vendor standards, and built a diversified portfolio that smooths out year-round cash flow while protecting her Superhost status and her sanity.If you're wondering if it's too late to start investing, how to bounce forward after early missteps, or how to build a business that leaves a lasting legacy for your family, this conversation is your blueprint. Get ready to learn how to drop perfectionism and start leading your life and business with intention.HIGHLIGHTS AND KEY POINTS:[00:46] A short introduction about our guest Traci Capraro and how a career in tech sales and single motherhood led her to build a growing co-hosting business[02:16] Traci's tax surprise turns a tech career into a real estate investment journey across beach and mountain markets [04:57] How a simple conversation with Traci's CPA opened her eyes to the possibilities of real estate investing and completely changed the direction of her financial future[07:35] Traci reveals how choosing lifestyle-driven investments helped her build a diversified short-term rental portfolio[09:07] Traci shares the lessons she learned from her first real estate investment, which she describes as a failed BRRRR project[13:56] How Traci's first short-term rental and the right systems opened the door to her first co-hosting client[17:10] Traci opens up about the doubts and challenges that come with building a business, admitting that moments of uncertainty still happen—even as she continues to grow [20:12] Why choosing the right co-hosting clients has become essential to protecting Traci's business and reputation[23:35] Traci highlights why strong cleaning systems, communication, and backup plans are critical to delivering a consistent guest experience[27:28] Traci reflects on how real estate investing and entrepreneurship transformed her mindset around wealth and what's possible[29:55] Traci shares how personal growth, positive influences, and involving her children have shaped her entrepreneurial journey[36:39] The lightning round Golden Nuggets:“Having a diversified portfolio is a way to protect ourselves from risk.”“One of the smartest things I ever did was invest in a coaching program because that coaching program taught me how to create the foundation, technology, and operations.”“If I had to start over again, I would do co-hosting in a heartbeat.”“Pumpkin planning is you pulling clients out of your business that are no longer a fit that may be costing you effort, energy, resources, so that you can go and find a right fit client for you.”“Look in the mirror and be your biggest cheerleader instead of your biggest critic.”Let's Connect: Instagram : https://www.instagram.com/takeatracation/Website : https://takeatracation.com/Enjoyed the show? Subscribe, Rate, Review, Like, and Share!

*Timestamps are approximate* TIME TOPIC 0:00 Podcast intro with Dave & Chuck "The Freak"0:01 - - - AD MARKER - - -0:01 National I Love My Feet Day/Black Cat Appreciation Day0:06 EMAIL: Friend had a baby, rumors are circling that its not her husband's0:15 The latest perfume sent trend0:32 NEWS0:32 Hawaii was flooded by a tropical storm0:35 Historic flooding in Indiana0:36 Airline call signal confusion nearly caused disaster0:38 Military pilot walked away from a fighter jet crash0:39 Fire in a high rise bulding0:43 Real estate listing using A.I. is causing issues0:50 Goats get on a bus0:57 - - - AD MARKER - - -0:57 Video of Hilary Duff eating a hotdog1:06 CELEBRITY DIRT1:06 Teen accused of targeting his ex-girlfriend in a game of dodgeball1:12 Former NFL player built garage gym for fellow dads1:16 Hayden Panettiere passed away 1:20 Actor had to be rescued from flood waters1:24 Announcements from the Disney fan event1:26 Will Harrison Ford play Indiana Jones one more time?1:27 The boom at the box office continues1:29 Cindy Crawford had an exorcism performed on her daughter as a child1:32 Dolly Parton had to cancel an appearance1:36 - - - AD MARKER - - -1:36 The new destination for the show's live stream1:40 PERVERT OF THE DAY1:40 Another nude peeper caught1:53 Man exposed himself while throwing things from his house1:57 Granny pulled a gun on a shoplifter in a parking lot2:01 Guy had standoff with police after threatening a delivery driver with a gun2:05 What guys are doing that is causing medical emergencies involving their dongs (Have you considered penis fillers?)2:19 BADASS OF THE DAY2:19 Shopper tackled a guy who assaulted people at a store2:23 - - - AD MARKER - - -2:23 Guy had to be surgically removed from a conveyer belt at work2:30 Driver tried to run over a couple out walking their dog2:35 Mystery vacations2:43 Woman delivered her baby while on vacation in Vegas2:51 - - - AD MARKER - - -2:51 NEWS2:51 SYMPHONY OF DESTRUCTION2:51 Old driver crashed into a house2:54 New details available about the passing of Hayden PPanettiere2:56 Cases of flesh eating bacteria are on the rise2:58 A rise in pregnancy rates caused by the popularity of GLP drugs3:00 Builders find $10M worth of gold during a renovation3:04 - - - AD MARKER - - -3:04 Cop saved a woman's life while on vacation3:07 Halloween taking over stores already3:10 Woman spray painted bushes to avoid HOA fees - - - AD MARKER - - - IT SUCKS TO BE OLDHow a 102-year-old is celebrating their birthday END OF SHOWSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Hour 1: Hayden Panettiere has passed away at 36. She had recently released a book detailing her battle with alcohol, drugs, and post-partem depression. Bruce Willis celebrated his daughter's wedding this weekend, and the picture might make you cry. Sarah introduces a new character to the show. Vinnie started the new season of Ted Lasso, and he is loving Tanya Reynolds. Imagine being at the invention of the chocolate bar. Remember your mom's recipe book? Let's go on a tangent about West Virginia. Happy Monday! Hour 2: Nate Bargatze just broke the world record for comedy tickets sold. Nick Reiner won't be able to use his inheritance to pay for his lawyers. Sarah tells the story of how she started singing. American Pie star, Shannon Elizabeth, is making a killing on OnlyFans. Disney had their D23 event teasing Adam Driver and Inde Navarrette in X-Men, Incredible 3, and Harrison Ford back as Indiana Jones! El Niño is gonna be a big one this year. In beverage news: Coffee is good for testosterone! Cigarettes on the other hand… Germany is ditching their “accompanied drinking” rules for 14- and 15-year-olds. Do people in the HOA have binoculars or something?? Hour 3: An update on Hayden Panettiere's death. Kaia Gerber had an exorcism as a “possessed child.” Meghan Trainor made a doll of herself for her son. Scott Budman from NBC Bay Area is on the show! He's catching Sarah and Vinnie up on the latest from Waymo. The Kardashians are getting into AI. Sarah is doomsday fantasizing about the Tesla robots, but she still wants one after they work out the kinks. Hour 4: As of now, BTS will NOT be at The Grammys. Estelle Getty's purse from ‘Golden Girls' sold at auction for a shocking number. Bob's never seen the show - is it too late to check it out? An Amazon worker says you need to STOP ordering this. Has he been fired yet? Can Sarah guess the #1 soda in America? It's not what you think. Plus, How Old Is That Guy?

Nate Bargatze just broke the world record for comedy tickets sold. Nick Reiner won't be able to use his inheritance to pay for his lawyers. Sarah tells the story of how she started singing. American Pie star, Shannon Elizabeth, is making a killing on OnlyFans. Disney had their D23 event teasing Adam Driver and Inde Navarrette in X-Men, Incredible 3, and Harrison Ford back as Indiana Jones! El Niño is gonna be a big one this year. In beverage news: Coffee is good for testosterone! Cigarettes on the other hand… Germany is ditching their “accompanied drinking” rules for 14- and 15-year-olds. Do people in the HOA have binoculars or something??

Rumours about Rumours in a new Fleetwood Mac book. Petty revenge on Becky from the HOA and star crossed call signs in the Phoenix Sky Harbour. See omnystudio.com/listener for privacy information.

It's another "emergency pod" episode of Don't Be Sour, kicked off in a new living room setup with a taste test of the upcoming Appleberry Ghost Sour Strips flavor. Things get chaotic fast as Max fesses up to an elaborate AI-assisted prank on Christian involving a "cracked" gym mirror, before the guys spiral into a wide-ranging debate on everything from mirror-breaking gym etiquette to Claude vs. ChatGPT to who really wears the better cologne. From there the conversation swings through classic homeowner headaches (a $30K irrigation replacement, shower drains clogged with hair, questionable water filtration setups), a surprisingly deep dive into Maxx's struggles with procrastination and ADHD, and a hearty round of movie and TV takes covering Spider-Man, House of the Dragon, and why Hollywood can't stop recycling old IP. The back half gets even more unfiltered, tackling a disturbing documentary on YouTuber EDP445, a play-by-play of Joe's first HOA meeting, and a heated debate over the WNBA's trans-athlete controversy. It's a longer, looser episode packed with random tangents, home renovation drama, and the usual chaotic energy — capped off with an update on the brand-new podcast studio that's finally under construction

Accents that make people think they're dumb.. What one woman did to satisfy her HOA.. Why heat causes us to make bad decisions.. And, a man that was arrested for wearing a costume.

Joey, Nancy, and Karly started the week complaining about the brutal East Tennessee heat. Joey said the family’s big Saturday outing was a trip to the grocery store because it was simply too hot to do anything outside. The crew talked about HOA rules after hearing about a homeowner getting fined for a dead bush. Nancy revealed there’s actually special green spray paint designed to make dead bushes look alive. Monday Morning Wake-Up Call with 11-year-old Gavin Joey finally replaced the cabin air filter in his car after months of fish bait smells coming through the vents. Nancy admitted she spent hours organizing every nail, screw, and bolt in her husband Matt’s garage while they were trying to move storage items. Hot Tea: Actress Hayden Panettiere reportedly passed away at age 36, and authorities are investigating. Matthew McConaughey shared a story about talking his way out of trouble in Mexico by mentioning Jennifer Lopez. A Kentucky woman woke up to find a bear had broken into her house and stolen her KFC. Joey and Nancy shared details from Dollywood’s preview of the new Night Flight Expedition coaster. Dolly Parton appeared by video, explaining that her doctor advised her not to travel because she was dealing with dehydration and dizziness. Lucky 7 for $50 to Old South Candy Joey accidentally went more than 24 hours without caffeine and ended up feeling sick, nauseous, and miserable. One coffee later, he felt completely normal again and realized just how dependent he is on caffeine. The show gave away a chance to ride Dollywood’s new Night Flight Expedition coaster with them. Listeners text FLIGHT to 865-656-9485. Joey and Nancy say 5 people's names on the air. The first of those people to call us wins. Joey and Nancy laughed about a Kentucky school agenda that was apparently created with AI and filled with weird mistakes, including fake city and state names that nobody caught before printing. See omnystudio.com/listener for privacy information.

Dallas shares an update on her kitchen renovation, while Kincaid needs advice on planning his son's birthday party, including whether adults like Dallas should be allowed on the trampoline. Plus, Kincaid's wife is worried it's too hot for the mobile detailer coming to their house. If you work outside, would you rather keep the job, reschedule, or have customers help with things like water and shade? Lauren also admits she's still wearing a bra her mom bought her in high school with Kohl's Cash, which leads to the question: what's the oldest piece of clothing you still wear? And, Kincaid approves of one woman's creative way of dealing with her HOA. Plus, Dallas' Dish, But Wait!, My Little Secret, Are You Smarter Than Kincaid?, and much more! ► YouTube: KincaidandDallas ► TikTok: @KincaidandDallas ► Instagram: @KincaidandDallas ► Facebook: KincaidandDallasSee omnystudio.com/listener for privacy information.

Missed this morning's Prospector Show on ROCK 107? Catch up with Prospector's Prime Cuts, your daily recap of the funniest moments from NEPA's morning radio show. On today's episode: • Measles Have Made It to NEPA — after a possible measles exposure at Geisinger Medical Center near Danville, Prospector welcomes another disease we thought we'd left in the past with a special Measles Reunion Tour. • What Superstition Do You KNOW Is Ridiculous... But Still Follow? Knocking on wood, avoiding ladders, refusing to open an umbrella indoors. Your brain knows it's nonsense, but apparently nobody wants to take the chance. • How to Keep Your HOA Off Your Back with a Can of Spray Paint — one homeowner gets tired of being fined over a dead bush and discovers the cheapest landscaping service in America: paint the damn thing green. • Prospector's Yambag of the Day — another deserving idiot receives one of the Prospector Show's highest dishonors. • Plus more weird, funny, and completely unnecessary moments from the show. Stay caught up on Northeast PA radio, local news comedy, listener stories, HOA insanity, and the daily nonsense you might have missed on the Prospector Show.

Another weekend in the books as we speed through Summer and get closer to Fall. Very busy weekend for me with birthday dinners, parades, housework, Oktoberfest beers, and spending time with good friends. Snuck in a Spooky Spin win or two, as well! I am definitely going to spend a few hours working on the lawn today and maybe even putting up a few Halloween decorations. In the news this morning, actress Hayden Panettiere has died at age 36, a couple of planes with the same callsign ended up on the same frequency and were heading on a collision course, multiple fights at the end of the Wisconsin State Fair end with several people getting arrested, a recall on a tomato bisque sold at Walmarts nationwide, a change for Lime riders in the Twin Cities after multiple street-takeovers the last few weekends, and teen pleads guilty to harassing a sea lion after the video went viral. In sports, the Brewers took 3 out of 4 from the Dodgers this weekend, an update on Brice Turang's condition, Abner Uribe ends up on the 15 day IL, Joey Logano won on Saturday at Richmond, Von Miller signs with the Cowboys, Jamal Adams is out for the season with an knee injury, and a look at week 2 of the NFL preseason. We talked about all the news from this past weekend's Disney D23 event and we also let you know what's on TV & streaming today/tonight. A family on a beach in NJ recently found a MEGALODON tooth!!! And a kitten that was recently involved in a bank robbery now has a new fur-ever home! Talked about the most popular sodas in America, based on Instacart data, and according to a new survey, 18% of Americans prefer to get cooking advice from a food "influencer" rather than from their own mother. Elsewhere in sports, Tommy John died over the weekend, and a bunch of people have been trolling Jayden Daniels and his attempt to "own" the number 5. And in today's edition of "Bad News with Happy Music", we had stories about a woman who is spray-painting her dead bushes so she doesn't get fined by her HOA, a school workbook created by A.I. has tons of errors, a former bowling coach in Iowa is charged with multiple felonies after an online sting, a #FloridaMan who attacked his neighbor with dog poop, and a woman who killed a guy while some rough foreplay.See omnystudio.com/listener for privacy information.

Joey, Nancy, and Karly started the week complaining about the brutal East Tennessee heat. Joey said the family’s big Saturday outing was a trip to the grocery store because it was simply too hot to do anything outside. The crew talked about HOA rules after hearing about a homeowner getting fined for a dead bush. Nancy revealed there’s actually special green spray paint designed to make dead bushes look alive. Monday Morning Wake-Up Call with 11-year-old Gavin Joey finally replaced the cabin air filter in his car after months of fish bait smells coming through the vents. Nancy admitted she spent hours organizing every nail, screw, and bolt in her husband Matt’s garage while they were trying to move storage items. Hot Tea: Actress Hayden Panettiere reportedly passed away at age 36, and authorities are investigating. Matthew McConaughey shared a story about talking his way out of trouble in Mexico by mentioning Jennifer Lopez. A Kentucky woman woke up to find a bear had broken into her house and stolen her KFC. Joey and Nancy shared details from Dollywood’s preview of the new Night Flight Expedition coaster. Dolly Parton appeared by video, explaining that her doctor advised her not to travel because she was dealing with dehydration and dizziness. Lucky 7 for $50 to Old South Candy Joey accidentally went more than 24 hours without caffeine and ended up feeling sick, nauseous, and miserable. One coffee later, he felt completely normal again and realized just how dependent he is on caffeine. The show gave away a chance to ride Dollywood’s new Night Flight Expedition coaster with them. Listeners text FLIGHT to 865-656-9485. Joey and Nancy say 5 people's names on the air. The first of those people to call us wins. Joey and Nancy laughed about a Kentucky school agenda that was apparently created with AI and filled with weird mistakes, including fake city and state names that nobody caught before printing. See omnystudio.com/listener for privacy information.

Bobby Dooley runs the HOA and PTO and is imposing Christian theme PE school uniforms of a gladiator skirt and a blue mohawk on a gold helmet.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.

Send me a message If all your lead gen happens online through ads and social media, you're leaving money on the table as a real estate agent. Not because online doesn't work. It's incomplete.There's a whole other lever most agents never pull, and it costs you nothing but a little bit of your time and comfort zone.I'm talking about actually getting out into your community and being a normal human being. Your kids' jiu-jitsu practice. The farmers market. HOA meetings. Places you'd never think of as "lead gen," because they're not. That's exactly why they work.This episode breaks down why in-person relationship building is the medium to long term unlock most agents skip completely, and 20+ specific places to start.In this episode:Why online lead gen alone only captures part of the business you could haveThe exact mindset shift: you're not pitching, you're just being a person people likeWhy what you do for a living naturally comes up in conversation, so you never have to force itThe story of a local agent who built his entire reputation just by being a great neighbor, and still gets listings from it 5 years later20+ real places and events to start showing up: rec leagues, HOA meetings, farmers markets, PTA, dog parks, and moreWhy this isn't a short-term fix, and why that's exactly the pointGo get involved. Meet one more person a day. Give it six months, twelve months, and watch what happens.

Gravestone Chic Today on Bit Public Radio, host Lana Schur explores the ever-changing nature of cool. Is "cool" determined by fashion? By celebrities? By invisible gravestones? By barbarian Goths invading Rome? Nobody seems entirely sure. Correspondent Jimbo Brandywine travels to a Renaissance Faire to investigate the unexpected return of the Goths, only to uncover turkey economics, a family raised by actual turkeys, and one very confused human identity crisis. Next, Flannery Wilson reports from Beverly Hills, where luxury shoppers have embraced the newest status symbol: gravestones that don't actually exist. The investigation somehow leads to ghost tourism, HOA disputes, Walt Disney, and a long-overdue confrontation with Mary Poppins. Finally, former failed "CNN" investigative journalist Paisley Bowie uncovers an underground community living inside pottery kilns, where magical ashtray-producing fairies, eternal curses, and suspiciously enthusiastic smokers reveal the surprising intersection of ceramics and public broadcasting. Throughout it all, Lana desperately attempts to keep an increasingly chaotic pledge drive on the rails—offering listeners everything from Butterball turkeys and job-shadowing opportunities to invisible burial plots and disgraced journalism awards. Somewhere in there... someone might actually donate. Apologies Butterball, Renaissance Faires, Goths (both Visigothic and Hot Topic), Vogue magazine, Patrick Swayze, pottery instructors, ceramics departments, ashtrays, smokers, non-smokers, Walt Disney, Mary Poppins, Julie Andrews, Disney Parks, cryogenic researchers, Beverly Hills, Rodeo Drive, Louis Vuitton, homeowners associations, psychics, ghosts, goblins, fairies, turkey farmers, Renaissance turkey vendors, Robert Smith, The Cure, BBC journalists, NPR pledge drives, public radio tote bags, kiln manufacturers, pizza ovens, anyone currently preserving their brain for the future... and anyone attempting to start a fashionable invisible cemetery. Credits Director and Creator: Billy Merritt Producer, Editor & Graphics: Hill Kane  Featuring: Billy Merritt - Himself  Katya Vasilaky - Lana Schur, BPR Host Jim Tripp - Jimbo Brandywine, Correspondent #1 Flannery Wilson - Correspondent #2 Dean Aisles - Paisley Bowie, Correspondent #3 BIT Crew playing various and sundry characters:  Don Slovin Hill Kane Geoff Taylor Brent Kohler Angela Washko Luke Bovard Music: BPR Theme Song: Lyrics Hill Kane, musical composition created on SUNO AI Hosting: Libsyn "The BIT" and "The BIT Improv Comedy Network" are trademarks owned by Billy Merritt. © 2024–2026 Billy Merritt. All rights reserved. Inquiries: TheBitComedyNetwork@gmail.com Website: BITComedyNetwork.com  Production + Graphics: Hill Kane, Raising Kane Media + Marketing

────────────────────────────────────────[00:03:48]Trump Secretly Switched Planes in Turkey — Used Staff and Reporters as Decoys Without Their KnowledgeWashington Post: he let his entire team board the decoy while he slipped away; Knight: the plan to save themselves and let the rest of us die.────────────────────────────────────────[00:05:52]Trump Plays Golf Surrounded by Anti-Missile Systems, Concertina Wire, and F-16s OverheadAn ATBM Avenger battery on the fairway, jets above, barbed wire on the course; if you weren't trying to kill other people, they wouldn't be trying to kill you.────────────────────────────────────────[00:24:33]Bessent Keeps Promising a Hormuz Deal That Doesn't Come — Iran Says They Were Never in TalksHe promised the Strait would open Tuesday or Wednesday; Brent crude fell 6% on the lie then rose back to $88 when reality returned.────────────────────────────────────────[00:33:53]Trump Wants DOJ to Recharge the Reflecting Pool Vandal After DOI's Own Documents Proved Botched InstallationHis own lawyers admitted they were duped; Trump keeps claiming a 300-foot gash and video evidence — both lies.────────────────────────────────────────[01:31:27]7,000 Police Departments Have Flock Cameras With No Legislative Approval — Police Making Policy UnilaterallyPolice decided on their own to surveil innocent people, what data to keep, who gets access; not a government program on paper — so no accountability.────────────────────────────────────────[01:33:26]Flock Network Absorbs Private Home and Business Cameras Into Its Grid Without Public KnowledgeWhen residents object, police say: a private homeowner put that there, we just connected it; the government's fingerprints are designed to be invisible.────────────────────────────────────────[01:38:32]DeepSeek Does for Three Cents What Anthropic Charges $3 For — The AI Bust Is ComingCelente: the world is moving to Chinese AI; the US has massively overinvested in data centers; when those companies go bankrupt, what does the next rust belt look like?────────────────────────────────────────[01:39:31]Celente: Market Crash Could Come by End of October — Greater Than the 1929 Crash1% of Americans own 54% of equity markets; McDonald's sales slowing; HOA foreclosures soaring; Bessent declared the K-shaped economy over — it got worse.────────────────────────────────────────[01:55:32]Gas Was $2.91 in February — Now It's $4 — Trump Said Because of Me It's $2.30Brent crude back to $88 after Bessent's lie briefly pushed it to $76; Celente: this is dragflation, not stagflation; the president is starting to believe his own lies.────────────────────────────────────────[01:57:29]Celente: Gold Dipped From $5,500 to $4,226 — Still Bullish; Real US Debt Is $126 TrillionCountries selling gold to cover energy costs; the dollar's death is the hegemony story; they may announce a fake Fort Knox revaluation to erase the debt on paper. ──────────────────────────────────────── Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silver For 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code “KNIGHT” For high quality made in America products go to HomeSteadProducts.shop and use promo code “Knight” for 10% off your purchases Find out more about the show and where you can watch it at TheDavidKnightShow.com If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-show Or you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-david-knight-show--2653468/support.

────────────────────────────────────────[00:03:48]Trump Secretly Switched Planes in Turkey — Used Staff and Reporters as Decoys Without Their KnowledgeWashington Post: he let his entire team board the decoy while he slipped away; Knight: the plan to save themselves and let the rest of us die.────────────────────────────────────────[00:05:52]Trump Plays Golf Surrounded by Anti-Missile Systems, Concertina Wire, and F-16s OverheadAn ATBM Avenger battery on the fairway, jets above, barbed wire on the course; if you weren't trying to kill other people, they wouldn't be trying to kill you.────────────────────────────────────────[00:24:33]Bessent Keeps Promising a Hormuz Deal That Doesn't Come — Iran Says They Were Never in TalksHe promised the Strait would open Tuesday or Wednesday; Brent crude fell 6% on the lie then rose back to $88 when reality returned.────────────────────────────────────────[00:33:53]Trump Wants DOJ to Recharge the Reflecting Pool Vandal After DOI's Own Documents Proved Botched InstallationHis own lawyers admitted they were duped; Trump keeps claiming a 300-foot gash and video evidence — both lies.────────────────────────────────────────[01:31:27]7,000 Police Departments Have Flock Cameras With No Legislative Approval — Police Making Policy UnilaterallyPolice decided on their own to surveil innocent people, what data to keep, who gets access; not a government program on paper — so no accountability.────────────────────────────────────────[01:33:26]Flock Network Absorbs Private Home and Business Cameras Into Its Grid Without Public KnowledgeWhen residents object, police say: a private homeowner put that there, we just connected it; the government's fingerprints are designed to be invisible.────────────────────────────────────────[01:38:32]DeepSeek Does for Three Cents What Anthropic Charges $3 For — The AI Bust Is ComingCelente: the world is moving to Chinese AI; the US has massively overinvested in data centers; when those companies go bankrupt, what does the next rust belt look like?────────────────────────────────────────[01:39:31]Celente: Market Crash Could Come by End of October — Greater Than the 1929 Crash1% of Americans own 54% of equity markets; McDonald's sales slowing; HOA foreclosures soaring; Bessent declared the K-shaped economy over — it got worse.────────────────────────────────────────[01:55:32]Gas Was $2.91 in February — Now It's $4 — Trump Said Because of Me It's $2.30Brent crude back to $88 after Bessent's lie briefly pushed it to $76; Celente: this is dragflation, not stagflation; the president is starting to believe his own lies.────────────────────────────────────────[01:57:29]Celente: Gold Dipped From $5,500 to $4,226 — Still Bullish; Real US Debt Is $126 TrillionCountries selling gold to cover energy costs; the dollar's death is the hegemony story; they may announce a fake Fort Knox revaluation to erase the debt on paper. ──────────────────────────────────────── Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silver For 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code “KNIGHT” For high quality made in America products go to HomeSteadProducts.shop and use promo code “Knight” for 10% off your purchases Find out more about the show and where you can watch it at TheDavidKnightShow.com If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-show Or you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-real-david-knight-show--5282736/support.

Wildfire insurance is changing, but many homeowners, HOA boards, and property managers still do not know which mitigation improvements carriers recognize—or how completed work should be documented. In this episode of All Things Wildfire, we sit down with Andrew Engler of Rock Rose Risk, a retail insurance broker focused specifically on wildfire and working with 27 carriers across homeowners and commercial properties. Andrew explains the difference between macro mitigation, including community fuel breaks, utility hardening, terrain, and fire-department access, and micro mitigation, including Zone 0 clearance, Class A roofing, ember-resistant vents, and parcel-level vegetation management. We also discuss: How mitigation may affect insurability and insurance pricing Why Firewise and Fire Safe Council leadership matters The importance of annual fuel management and updated ground-level data Admitted and non-admitted wildfire carriers The role and limitations of the California FAIR Plan Why aggregation risk prevents one carrier from insuring every home in a community How brokers translate mitigation work into information underwriters can evaluate Why communities should make themselves attractive to multiple carriers Andrew also shares why homeowners should not assume that nothing can be done simply because they live in a high wildfire-risk area. The central takeaway: mitigation is most powerful when it is coordinated, maintained, documented, and presented to carriers that understand the work. Listen now to learn what homeowners and communities can do to become more insurable. Insurance availability, pricing, and discounts vary. Mitigation does not guarantee coverage, premium savings, or protection from loss.  

In this episode, Meghan asks Lyle what Halloween lovers should consider when buying a home, and Lyle answers from his experience as a real estate agent. Does the neighborhood get trick-or-treaters? Are there nearby Halloween events? Could an HOA restrict your decorations? What about local ordinances, giant displays, storage space, and everything else that comes with being Halloween obsessed? We also head into some spookier territory and talk about stigmatized properties, deaths and murders in homes, alleged paranormal activity, old burial grounds, and what sellers and real estate agents may or may not have to disclose. Plus, Lyle shares the story of the infamous “NOT HAUNTED” house listed by his own real estate office years before he worked there. If you're looking for a home where you can truly live your best Halloween life, these are the questions you might want to ask before you sign on the dotted line. Follow The Halloween Podcast: Website:https://www.TheHalloweenPodcast.com Facebook:https://www.Facebook.com/TheHalloweenPodcast Instagram:https://www.Instagram.com/TheHalloweenPodcast Email:Info@TheHalloweenPodcast.com Haunt Line:731-400-0472 Support the show on Patreon:https://www.Patreon.com/TheHalloweenPod Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Let's party on a Wednesday! Rich breaks down what he remembers from training camps across the NFL as the season gets closer. Then, San Diego's HOA and Starbucks Karen, TD, is back with another “LET ME TALK TO YOUR MANAGER” moment. What did they do to tick him off this time? Plus, all the usual chaos from Big Rich, TD & Fletch on 101.5 KGB.

The Trick to Keeping Long-Term Tenants Tenant turnover can quietly become one of the biggest expenses in a rental property. Vacancy, repairs, repainting, cleaning, advertising, showings, and lost rent can quickly add up when tenants move every year. The good news is that tenant turnover is also one of the expenses landlords have the most control over. In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby break down what actually keeps tenants in a rental property long term and why tenant retention can have such a major impact on profitability. The core idea is simple: If you buy the right property, attract the right tenant, price it fairly, and treat them well, there is a much greater chance they stay. And when they stay, your returns improve.

Today we're talking about a change in the condominium market that has received surprisingly little attention.The question is not whether your condo is worth $300,000 or $500,000.The question is whether a buyer can get a mortgage on it.We saw this problem extensively in the wake of the 2008 financial crisis. There were condominium projects all over the country where individual owners stopped paying their mortgages. Many also stopped paying their condominium fees.As delinquencies increased, the financially healthy owners had to carry more of the burden.Fannie Mae still has rules addressing precisely this issue. Under its Full Review process, no more than 15 percent of the units can be 60 days or more delinquent on regular HOA assessments. The same 15 percent test applies to delinquency on special assessments. Fannie Mae announced in March that it is increasing the minimum replacement-reserve allocation under its Full Review process from 10 percent to 15 percent of annual budgeted assessment income. That new 15 percent standard becomes mandatory for loan applications dated January 4, 2027 or later.Fannie has also tightened the rules governing reserve studies. If an association is relying on a reserve study rather than the standard budget percentage, the lender must use the highest recommended reserve allocation in that study. The old baseline funding approach, where the reserve balance could essentially approach zero without going negative, can no longer be used to justify the exception. Those reserve-study changes became mandatory for applications dated August 3, 2026 or later.Freddie Mac has moved in the same general direction, although its current numerical budget requirement remains 10 percent rather than Fannie's announced 15 percent. Freddie has likewise eliminated use of the baseline funding methodology when a reserve study is being used as an exception. It also requires lenders to use the highest funding recommendation contained in the reserve study.Your condominium is no longer being underwritten merely as an individual piece of real estate.The lender is effectively underwriting your condominium association.--------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

EPISODE DESCRIPTION In this episode, host Steve Tinnelly sits down with Ramona Acosta to discuss CAM University, a professional training and development program that guides community managers from obtaining their CMCA certification to maintaining it. CAM University leverages Tinnelly Law Group's legal and industry expertise in HOA Law to provide this one-of-a-kind program was designed with the MANAGER in mind. KEY POINTS First California edition of a prerequisite course that complies with state certification requirements Approved by CAMICB as a prerequisite course for the CMCA designation California education + national certification = personalized learning on topics like: Budgets and reserves Governance and legal issues HR management Meetings and operations Property maintenance Ethics and more Approved alternative to CAI's M100 California Edition Earn your CMCA with California based instruction in less time and at a lower cost Pass your exam with CMCA Study Group Maintain your CMCA with over 27 hours of on-demand CEUs Explore the CAM University virtual campus here: camuniversity.org ABOUT OUR GUESTS Steven J. Tinnelly, Esq. is the Managing Partner of Tinnelly Law Group. He is known for his exceptional writing, analytical and negotiation skills, and providing general counsel representation to many of the firm's larger HOA clients throughout the state. Mr. Tinnelly is very active within the community association industry and devotes a substantial amount of time to educating homeowners and industry professionals about the legal issues affecting California community associations. Read more Ramona Acosta, PCAM is the Director of Operations & Business Development for Tinnelly Law Group. Ms. Acosta directs and manages the firm's business development, marketing, public relations, and client relationship management efforts. Her success as a community manager and management company executive, coupled with her extensive knowledge of the California laws pertaining to HOAs, provides significant value to our clients and the professionals who manage them. Read more

Host Regan Brown sits down with Wendy Miller of TARC Construction to discuss the growing issue of “warehousing” within HOA communities—not in the traditional sense, but the practice of placing elderly or mentally ill family members in multifamily housing without the support systems they may need.What can begin as an effort to preserve independence can quickly create serious challenges for neighbors, board members, community managers, vendors, and legal professionals. Wendy shares how these situations have become increasingly common since COVID, the role social isolation can play, and the difficult balance between compassion, resident safety, privacy, and legal responsibility.The conversation also explores a real-world case involving harassment, physical altercations, repeated fines, police involvement, and a two-and-a-half-year effort to reach a resolution—highlighting just how complex these situations can become and how important it is for communities to be prepared.Send us Fan Mail

Rich is obsessed with the new Spider-Man movie. We have an update on Brenda Dickson's HOA drama that now involves the police. The View's 30th anniversary is coming up, which brings some Rosie O'Donnell drama with it. Martha Reeves gives an unforgettable performance of "The Star Spangled Banner." And in terrible news about the news: Bari Weiss hires Ross Douthat as a 60 Minutes correspondent.Further reading:The disturbing rise of ‘gooner' assaults at Dollar Tree stores: ‘They find it funny to degrade women'To access video episodes, bonus episodes and our premium series WAWU check out our Patreon.Tracie's SubstackInstagramTikTok ★ Support this podcast on Patreon ★

The Radio Archive Hour from August 2004 features Bobbie Dooley banning pro-Bush signs in her HOA because they are a hate crime against Kerry supporters and pro-Bush. Bush kids should be the one going to Iraq. 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.

Should you rent or buy? Turns out the "adult" thing to do isn't always the smart financial move. This week, Vivian sits down with Amanda Pendleton, Home Trends Expert at Zillow, to break down why the old rules of real estate don't apply anymore, and what actually makes sense for your life instead of your parents' life. In this episode, Vivian and Amanda cover: 1. Why the "buying means you've made it" mindset is so hard to shake, whether Gen-Z's fears about never owning a home are actually justified, and the cities right now where renters come out ahead financially, even over 30 years. 2. The real questions to ask before you ever open a mortgage calculator, whether "throwing money away on rent" is actually true, and the hidden costs, taxes, insurance, maintenance, HOA fees, that blow up most people's math. 3.What to do if you don't have 20% saved, the down payment assistance programs most first-time buyers don't know exist, and the one piece of conventional real estate wisdom Amanda thinks you should ignore. Keep up with Amanda at https://www.linkedin.com/in/amanda-pendleton-b0b98056/.  Learn more about Zillow's BuyAbility calculator https://www.zillow.com/homeloans/buyability/ and try out the rent vs buy calculator https://www.zillow.com/rent-vs-buy-calculator.  Find the Zillow Plan tab https://www.zillow.com/plan.  Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

What's up bros?? What a breath of fresh air this season of Atlanta has been all the way to the end. This is how you carry momentum to the end of the season instead of checking out post-cast trip like other franchises have been doing. We tie up loose ends, talk HOA fees regarding a fake HOV and Drew decides now is the time to finally drop a DM bomb because time was running out and it's Drew. Rolling right into the reunion with good vibes for us! Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us Fan MailCan ordinary citizens become heroes during a disaster? Discover how Community Emergency Response Teams (CERTs) help everyday people play essential roles in emergency situations. Join Take It To The Board host Donna DiMaggio Berger and guest Dr. Jesse P. Spearo, the Emergency Management Administrator for Miami-Dade County, as they share insights into how CERT volunteers provide critical support, from coordinating community events to distributing supplies during major incidents.Donna and Dr. Spearo delve into the activation and organization of CERTs through Emergency Operations Centers, illustrating how trained volunteers are mobilized to support first responders and assist community residents until first responders can arrive on the scene. They discuss their crucial duties, including distributing food and water, conducting damage assessments, taking preliminary life safety measures with the injured and handling specific regional hazards like hurricanes, flooding, and heat emergencies. Listen to compelling stories of how CERTs have made significant impacts, including the success of Teen CERT initiatives and the integration of these programs into school curriculums.In their conversation, they explore the structure and operations of CERT teams, highlighting the Incident Command System (ICS), leadership roles, and the importance of continuous training. They also touch on the legal protections and medical coverage provided to volunteers under the Good Samaritan Law. Wrapping up, Dr. Spearo shares his journey into emergency management and offers practical advice on supporting emergency efforts. Tune in to learn about future trends in the field and how you can get involved in making your community more resilient.Conversation Highlights Include:Types of emergencies or disasters CERTs typically respond toVolunteer training and costsKey roles within a CERT teamHow CERT members are deployed during an emergencyCommunication channels used by CERT membersHow CERTs integrate with professional emergency servicesCERT members and liability in Miami-DadeCERT equipmentSteps for a condominium or HOA interested in setting up a CERTRelated Links:Podcast: Surviving the Storm: A Journey Through Hurricane Ian and Beyond with Joseph E. Adams, Becker & PoliakoffPodcast: Keeping Cool With Jane Gilbert, Chief Heat Officer, Miami-Dade CountyResources: CERT Training Information

"Day 118: A day of surprises.

Rich Munroe is the Founder of BNB Investing Group, which helps entrepreneurs build and scale profitable short-term rental businesses. As an Airbnb ambassador, national speaker, and real estate investor, he draws on more than 20 years of experience, over $60 million in transactions, and the hands-on expertise gained from building a 75-property portfolio. Rich specializes in acquisitions, rental arbitrage, property management, regulatory strategy, and AI-powered automation that improves guest communication, operational efficiency, and cash flow. In this episode… Many real estate investors focus on buying more properties instead of improving the performance of the ones they already own. Could a short-term rental strategy turn the same property into significantly greater cash flow? Short-term rental expert Rich Munroe explains that the answer begins with treating the property as a hospitality business rather than a passive rental. Investors should confirm local regulations and HOA restrictions, analyze realistic occupancy and nightly rates, and account for furnishing, utilities, maintenance, landscaping, and other operating costs before committing capital. Rich recommends considering larger homes in markets with strong family or contractor demand, where limited supply can support better performance. With responsive communication, professional cleaning, dynamic pricing, and AI automation, owners can protect five-star reviews while building a more efficient and scalable operation. In this episode of Owner's Profit Playbook, Pat Mancuso hosts Rich Munroe, Founder of BNB Investing Group, about turning an existing property into a stronger cash-flowing asset through short-term rentals. Rich explains how to evaluate regulations, compare revenue potential, and build five-star systems. He also touches on rental arbitrage, larger properties, and AI-powered guest communication.

Let's get into the season finale of the Real Housewives of Atlanta! Check out the visual on YouTube! We got horses, HOA fines, a country album and a fall! And I enjoyed it ALL!  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Day 117 of 365: Getting things done on our own terms.We're officially closing in on being a third of the way through this 365-day vlog series! It's wild how fast the time is flying, but looking back at the daily progression makes every bit of the effort feel worth it.In today's vlog, we're making some much-needed upgrades to our mobile setup. I'm tackling some evening sanding to finish up the new individual access panels for our fridge/freezer—a great idea from Alex that's going to make our daily workflow so much smoother.Being out here has really made me reflect on the freedom of this lifestyle. I spent years building vans in HOA parking lots and cramped city streets where you're always on someone else's clock. Now, if I want to sand wood at 8:00 PM, the only person I have to answer to is Alex (and maybe Paco if he starts barking!).In this episode:Solar & Power Updates: How the panels are holding up and how we're managing power between Betty and the Hideout.Rig Progress: Poured the shower pan and finished sanding the kitchen blocking.The "Witching Hour": Navigating toddler life, teaching Everly about boundaries, and the importance of listening.A Surprise Guest: Spotting a paraglider catching the evening thermals right above us.Thank you for showing up with us every day. Whether we're biking or sanding, your support keeps us sticking to this commitment.See you tomorrow!#NomadicLife #VanBuild #365DayVlog #OffGridLiving #DIYTravel #FrankieNAlex Start on Day 1 if you are new here: https://youtu.be/_ydNTMUxuOA We're Frankie and Alex. Five years full-time van life, now part-time nomads travelling internationally with a toddler and a business. 100% of what this channel earns in donations goes to charity. Every single dollar. New episode every day. Start with Day 1 if you're new here.

Can you guys believe it!? This is our 800th episode! Thank you all for helping us get here, we couldn't do it without you! We update you on Bethenny's and J*x T*ylor's antics and then dive into the RHOA finale. Where is Drew's horse and did the HOA really fine Shamea? We are also so excited for Shamea and Gerald! We get some answers on Angela and Ahmauri as well as the Fangie prototype that still needs work. K Michelle throws a listening party for her upcoming album and Drew trips on her too long pants and/or gets pushed by security! Overall, a lackluster finale for a great season. Come judge with us!You can find us:Linktree: Two Judgey GirlsPodcast: ACast, iTunes, Spotify, wherever you listen!Instagram & Threads: @twojudgeygirlsTikTok: @twojudgeygirls // @marytwojudgeygirls // @courtneytjgYouTube: @twojudgeygirlsFacebook: www.facebook.com/twojudgeygirlsMerch: www.etsy.com/shop/twojudgeygirlsPatreon: www.patreon.com/twojudgeygirls LTK: @marytwojudgeygirls // @courtneytjg Hosted on Acast. See acast.com/privacy for more information.

Keith is joined by Jim Sheils, a seasoned real estate investor and builder who specializes in new construction and co-living properties.  Together they explore why traditional long-term rentals are struggling to cash flow and how co-living—renting individual rooms in purpose-built homes—can dramatically boost returns.  Jim breaks down how the model works, who the typical tenants are, and why platforms like PadSplit are essential for management, compliance, and steady occupancy.  Their discussion highlights how co-living can simultaneously address the affordable housing shortage and today's "cash flow crisis" for real estate investors. Episode Page: GetRichEducation.com/617 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. For the first time ever on the show, we're talking about what some call the greatest real estate cash flow strategy today: co-living. Learn about what it is, what it is not, the pitfalls to avoid, and just how terrifically profitable co-living property can be today on Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com.    Speaker 1  0:59   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:15   Welcome to GRE from Dover, Idaho, to Dover, Delaware, and across 188 world nations. You're inside Get Rich Education nation. I'm your host Keith Weinhold. For about five years now, it's been harder to make the cash flow numbers work on long-term rentals, and that's because sure rents are up, but not as much as expenses are, and that's why for your regular income properties, builders buy down your mortgage rate for you so that it works. But now enter co-living properties, and your cash flow can be multiples higher. In fact, today we're going to talk about a model that has seven times the cash flow of a regular long-term rental, for example, instead of renting a detached single-family home to one family, if instead you divide it up into six bedrooms and rent each one of the six bedrooms to an individual, you will drive substantially more income. You've got six rent checks instead of one. That's what a co-living property is in general, and you're usually renting it to tenants that are working a lot. They're away from the property. It's often run through pad split. You'll learn more about what that means. And though co-living is lucrative, you still need the right market, the right layout, the management, which is really key here, and the right operating model. Today, we'll talk to a GRE Marketplace operator that provides co-living properties to investors like us with a management solution. And as you'll see, it gets even better than that. Although they serve just one geographic area in the U.S. which happens to be an investor advantaged area, as you'll see, this is conducive to out of state investors. If you want to own there, we're talking about co living income property today. Next week, there's something vital I want to tell you about, and I can't wait to do that. It's about the way that I talk when I meet a 25-year-old, and I learn that their only source of income is as an employee at a job. And no matter what age you are, what I'm going to share with you is going to apply to you too, and it's pretty transformative. That's next week here on the show. As for today, let's learn about co living. Jim Shields is here. Jim, welcome back to the show.   Jim Sheils  3:56   Keith, good to be here. Thanks for having me.   Keith Weinhold  3:58   Well, Jim, we saw each other in person a few months ago at a conference. I wanted to have you back here today to discuss co living since you're involved in it and you help other investors learn about it. And now you even started providing properties for co living specifically for them. And you know, Jim, with co living, I have seen models in the past where, oh, a single-family home it might be retrofitted, renovated to say have six bedrooms and three bathrooms, and that way you, as the owner, you could rent it to six tenants, really who are each only renting a room rather than renting the whole place to one family. In this way, tenants get cheaper rent because they're only renting one bedroom, and then for the owner, this gives them stronger cash flow because they're renting it to six different parties and not just one. So, with affordable housing really being a struggle for so many, you know, co-living is. Really taking off. So tell us more about what co living is and what it isn't, Jim.   Jim Sheils  5:05   Yeah, co living was something that was brought to us by one of the owners of Pad Split. Actually, they had met me and worked with me on other new construction projects, and and kind of my evolution, as you know, Keith was I I went from doing a ton of fixer uppers for many of years to new construction, and both can get you where you want to go. But I like new constructions. But meeting some of the owners of PadSplits, I found that they were starting to have the same struggles that I was when I was rehabbing a lot of homes. You know, it's not easy to take a three bedroom or four bedroom home and turn it into an eight bedroom or a seven bedroom, and so you know, starting from scratch with new construction, we're able to set up for what they're trying to create, and what they're really trying to create with co living is that affordable housing crisis. There's a lot more single individuals out there not looking for you know whole, not needing whole family dwellings to live. They're more at a basic income level that you know keeps them quite a bit below being able to rent. Like here in Jacksonville, the average price of a one-bedroom apartment is just outside of their qualifying range. So they might have a good job and decent credit, but they can't qualify. So what we've seen co-living do, and again, working through our our management partner of Padsplit, is they are bringing in this system of putting people together in one home, still with the screening, still with certain amenities that you know really help the property get seen, wanted, and rented, and then certain managerial things, where you're providing good options for living in areas that need more affordable living, and for landlord investors like ourselves, you're providing now a new opportunity to beat what I've called the cash flow crisis. You know, we have an affordability crisis, but that's also created a cash flow crisis, Keith. As you know, and the numbers that we've been able to see are quite advantageous for both the renter for the amount they pay and for the owner for the amount they're going to cash flow. And that's what I'm seeing this new co-living movement is about. It's really landlords taking a new risk on a certain type of property and tenants getting a type of property that fits their income and their needs.   Keith Weinhold  7:27   You know, Jim, philosophically, I'm thinking about assisted living homes, and when society changed sometime last century, assisted living homes became more of a trend where a lot of times that's where the elderly people went. Now we have co-living, and you kind of wish the world would be a place like where you know someone freshly out of high school or college could be married and have children, and you know just one or two jobs could float and support that family, and they would be able to afford their own home, either to own or rent. But increasingly, that's just not the world that we're living in. It hearkens back to multi-time GRE guest and legendary investor Jim Rogers. To paraphrase Jim Rogers, Jim Rogers said, "I need to invest in the world with the way that it is, not the way that I want the world to be. That's one thought that keeps coming to mind with co-living.   Jim Sheils  8:29   Yeah, for me too. Honestly, Keith, when I first heard about co-living, it was a few years ago. Someone saw me speak at a mutual event similar to one we last saw each other at. I got off stage, and they came up to me and they mentioned to me we're doing these things called co-living.   Keith Weinhold  8:44   Yeah.   Jim Sheils  8:44   And I was kind of blinded. I was looking backwards instead of forwards, and I said, "Oh, that doesn't sound right. That doesn't sound like it could work, you know. And I had a lot of what ifs, and how do you handle this? Well, you know, as the niches really started to solidify and show real wind at its back, all those questions and doubts I had have been answered, and I've kind of become a believer in why it's working and also the results. You know, for us, build right, finance right, manage right. That's always been our model. That's what's going to help us and our investors succeed. Building it right and managing it right. We had to figure out, but figuring that out-that's key. And it's very cool to see investors today breaking the norms of saying, "Well, you know, we can't have cash flow anymore on a nice new construction property in a growth market like Jacksonville, Florida. You can't have good cash flow. Well, that's just not true with co living coming on because again you're answering the call of a forgotten tenant and their needs.   Keith Weinhold  9:46   Yeah, I just think for any thoughtful investor, it's got to give them pause. But this is where society has gone. Well, we're going to talk about how profitable co living is for investors later. But first, tell us more about the nuts and bolts of how co.   Jim Sheils  10:01   Yeah. So the way that it works is, first of all, you start, you know, again going with our model, build right, finance right, manage right, building it right. When you're starting with new construction, you're able to go into the property with all eyes open, without a lot of surprises, and you're able to build it right to the design that a co-living property of success would entail. You know, we're doing seven bedrooms, seven baths. We're doing 14 bedrooms, 14 baths. We're doing 20 bedrooms, 20 baths. These are all things that we worked with the owners of Padsplit as they've worked and researched areas all over the country, starting here in Northeast Florida. But what we're doing, we figured out exactly what type of build you do you need to do that's going to work? Smaller living areas. There's only one utility box. There's not you know multiple utilities. It's not a multi-unit building. So there's one utility box. You build it to that specimen of either we build anywhere from seven bedroom, seven baths, right up to 20 bedroom, 20 baths, and that's the build part. That way, you're getting into it and not having to, you know, kind of. It's really tough, Keith. I don't need to tell you with your experience to turn a smaller house into that bigger house and starting from scratch with new constructions. Great. The second thing we found was finance. Right, as you know, we do our own in-house financing. Well, a lot of the co-living since the banks didn't understand it. Just like you know, it's become a newer niche. They were locking in at 8% You know, with our in-house financing, we were able to get deals down to five and a half percent. So right there, that helps with the rate, the long-term rate, the cash flow, and then management. Again, we've managed 1000s of properties, but we've really teamed up with PadSplit to help us manage these. This is what they specialize in, not only for attracting investors into their organization, but also for managing the properties and screening the tenants, getting them in, and their management system combined with our Build Right Finance Right has been a great combination.   Keith Weinhold  11:57   Pad Split, somewhat of a platform like Airbnb, but it's for co-living type properties. We'll talk more about pad split shortly. But yes, you are making these more efficient for co-living because right from the beginning, you are building them new construction specifically for co-living type of arrangements, rather than that six-bed, three-bath retrofit example I brought up near the beginning of our chat, but tell us more about who actually lives in co-living homes. What's the tenant profile like?   Jim Sheils  12:29   Yeah, let's go to the opposite end. When I first heard about this years ago, Keith, I said, "Oh my gosh, this is going to be really unqualified, seedy people not working, getting into trouble, and that's just not true. Again, a lot of these people are hardworking, but they can't afford the $1395 for a one bedroom apartment, but they can afford an $825 a month room. And a lot of these people might be working at a local warehouse, at a hospital. They're very localized, blue collar, or some in training jobs, you know, extra five $600 a month makes all the difference. Where it's not going out to rent, not even including utilities, it gives them a nice place to live. So it's really entry level replaceable income people, maybe single people that work at a nearby restaurant. But again, they're trying to save more money in their pocket and not spend it on that higher expense, which the competition would be a one-bedroom apartment.   Keith Weinhold  13:31   Now, the tenancy durations here are shorter than what you're going to have in long-term rentals, of course, because one part of what you do, Jim, is for years you have helped GRE followers with build-to-rent long-term rentals. The resident does get more. They're going to get a furnished room with utilities in co-living arrangements, and they're also probably going to have their utilities bundled as well. So tell us about the typical tenancy duration, and then what all the resident gets.   Jim Sheils  14:00   Yeah. So the residency is going to receive all the things that they have to be turnkey. That's the bed, the desk, the dresser, the closet, the bathroom. Everything is set up there for them, and so they just move in. They're not going to have to pay for electric or water or internet. All that stuff's going to be included. There's a washer dryer normally there. Sometimes they're coin operated, other times they're just included, but that way they're not trying to take out a utility in their name or set up internet. Also, for the investor, that's a good thing because you have one master lease. If you start to do a bunch of leases, well, you could get in trouble with the rules of your community, probably of having multiple leases on one property. It's not a multi-unit building, so you can't do that. So one master lease with one utility and all utilities included allows you to do that. This makes it very easy to move in and out. And the average Tennessee might only be six months, but again, the way that it's set up, what we like about PadSplit is they. Have a very good marketing and screening process, so they're constantly marketing and screening to people in the area, and then they have their own private community with investors. So we'll build it and finance it. Our people will move over to their community for management, so the owners can speak together, and then the tenants, though they're coming through pad split system, and so what I like about that is if they try to not treat the property well, well, they're not allowed back into any pad split properties anywhere within the city. So that's really good for co living protection. So we just see that turnkey approach, and you know you've been preaching turnkey real estate for a long time. Yeah, this is a turnkey room where they're able to move in, they're able to move out easily. They can transfer to another co-living property, and by doing that, you can get people in and out very quickly, which keeps the vacancies low, even with shorter tenancy.   Keith Weinhold  15:57   All right, so an average tenancy duration of about six months, and for you, the prospective investor, as you're trying to understand co-living, maybe think of it as like when you check into a hotel. Co-living residents stay longer than you stay in a hotel, but as far as all the utilities are in the room combined, all into one charge with your WiFi, your water, your electricity, your natural gas, and the room is already furnished. Just one all-inclusive payment, making it easier for that co-living tenant. And Jim, you've been talking about pad split, where you're partnering directly with them, and that's the management part of this. Of course, this is more management intensive than a long-term rental. So, tell us more about Pad Split and how it works. Sort of like an Airbnb platform, but yet for longer-term, affordable room rentals that has the property management infrastructure somewhat already built into Pad Split.   Jim Sheils  16:56   Yeah, I think your comparison to Airbnb is very accurate, Keith. But it's more of a community for both tenants and investors. Airbnb, you know, I have short-term rentals and I use Airbnb. But what I've seen with Padsplit, which I think they've done a good job with, it has a community feel sharing for the investors who are a part of the Padsplit community, and so there's extra communication on your management, how properties are going, what areas are doing that. You know, great source of communication on the ongoing management. But for the tenants too, they know right where to go to find these types of properties, and the tenants also have to join this community. So there's a joining where if you want to rent a pad split, they have to join the community. They have to go through all the approvals and such, so that's pretty much how it's set up. It's seen to be very effective. Again, what held me back from this probably for about two years, Keith, was the management piece. You know, we've always managed our properties. I said, well, this is not our niche. Just like we don't manage short-term rentals, we only rent manage long-term rentals, and so I really had to watch and survey a lot of the existing investors and how they were doing, but it's nice to see someone with a good managerial system for both the tenants and the investors to work together in.   Keith Weinhold  18:12   Does PadSplit handle everything like marketing and tenant screening and rent collection?   Jim Sheils  18:19   So what they handle is the way that pad split works, like here in Jacksonville, where's our main market where we've started building co living properties. Is they will work hand in hand like an Airbnb, but underneath them they'll have preferred property managers that they'll work hand in hand. It so they'll handle certain things of the marketing, the tenant screening, and then some more of the mechanical PM pieces, the property management pieces. There'll be an assigned property manager that the client will be working with, the investor will be working with, and the tenant will be working with. So it's kind of a two-tiered approach. Like right now, my I'll use Airbnb, but I have a property manager for my short-term rentals. Same thing here, but we actually have the preferred management list and approvals through Padsplit.   Keith Weinhold  19:06   Okay, so much of this is handled through Pad Split, but not everything. There's a second tier where they partner with local property managers in that area to, for example, help with tenant turns or help with maintenance requests.   Jim Sheils  19:20   Yep, absolutely, absolutely.   Keith Weinhold  19:23   Now, short-term rental hosts are used to Airbnb fees. What are Pad Split fees like?   Jim Sheils  19:29   There's a monthly fee for belonging to PadSplit to keep your property occupied in there, and I don't remember exactly what it is for the tenants, but I know that they keep it affordable. So overall, you're going to be paying a little bit less than an Airbnb property that you would for you know if you use Airbnb and use a short-term property manager, it can be quite expensive. We've seen the pad splits come in below that and still achieve the goals of a good short-term rental. You know we're seeing. I know we're getting into this later, but taking those fees out and doing quite a bit of contingency because of the move and move outs, we were still seeing like a seven bedroom, seven bath based around the same price of one of our single family homes. The cash flow can be about seven times higher. Wow, on that thing, so it it really does answer the call for higher cash flow by bringing that more affordable rental in.   Keith Weinhold  20:25   We're going to talk more about just how profitable it is for investors, and more about co living somewhat nascent model, a model that's actually been around for quite a while, but it's really gaining traction in making things more affordable for tenants and making things more profitable for investors, we're back with more shortly. I'm your host Keith Weinhold. This is Get Rich Education. Flock Homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now, mom and pop landlords can 721 the residential real estate request your initial valuation. See if your properties qualify at flockhomes.com/gre. That's flockehomes.com/gre. Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. And full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility.   Keith Weinhold  22:11   Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family to 66866. Hey, it's corporate direct Ted Sutton. Listen to Get Rich Education with Keith Weinhold, and don't quit your daydream. Welcome back to Get Research Education. I'm your host Keith Weinhold. We're talking about co-living, specifically how smart it is to get this right from the beginning and build a new construction single-family home, or something that could be larger than a single-family home with seven bedrooms, seven bathrooms, or 14 and 14, or 20 and 20, and when we think about this gym physically, the footprint. What is parking like at a seven-bedroom home or larger? And did this entail any zoning hurdles?   Jim Sheils  23:15   A couple of things. It can entail zoning hurdles, so I would make sure, especially if you're doing new construction, you have someone who is a builder in the area that knows how to work with the county department or city department of how to get these approved. That's a very important things for how you submit them and how you make sure you're staying compliant. I think compliance is very important, obviously, for a rental and and parking. What we've seen right now is we look for about 50% So when I say 50% of bedrooms, so a seven-bedroom house, we're going to have three or four parking sites. There's a large majority of people that don't have a car, and that's why a lot of these are built near public transportation. But we still try to always serve, you know, based off of what we saw, the needs to stay in compliance, also working with Pad Split on lots of their designs. 50% of parking spots is usually good for the amount of bedrooms that you have.   Keith Weinhold  24:08   What about zoning hurdles? What had to be met there?   Jim Sheils  24:12   It's going to be a trial and error for a new builder or a person who's rehabbing a property. You know, we were not the first to come in and do this, we had watched Pad Split do it for two years and more with rehab properties, but just starting new construction, we knew Northeast Florida and what needs to be done very well, and so it's all in how you present it. Again, if you go in there with multiple utility boxes and such, you're going to be in quite an issue. So we found that we didn't have any issue with that. Also, we own some of these in some of our quad communities, so these were for larger. You know, you've worked with our quads before; they're yeah, you know, larger buildings. Well, we've been able to turn those into, for example, 20 bedroom, 20 baths, and so they operate like a small. Building, but they're in our quad communities where we wrote the HOA, and so they're allowed. And there's a plethora of parking there, so that keeps us in compliance. So really, compliance is knowing what your local city or county is going to require and knowing how to get that approved. That's very important.   Keith Weinhold  25:18   Okay, so these can thrive in sort of duplex and fourplex type neighborhoods. That's where they're being built, and you have a good bit of control over that with you having your own de facto HOA there as well. And Jim, I looked at several of the co-living properties and the footprints and the floor plans, and you know I was really encouraged to learn that really the cost for one of these brand new build seven bath seven bed co living properties really isn't that much more than a regular single family home designed for one family. So talk to us about the pricing.   Jim Sheils  25:57   Yeah, in Jacksonville, for example, seven bedroom seven baths, going between 325 and 345, which is very similar to single-family homes. And then our pricing for our quads, like a 2020, would be in the low nine hundreds, and that's the same as a quad as well. So we've been able to match our pricing to, and we have duplex ones. The 1414 would be mid five hundreds, which would be about the same as a Jacksonville duplex. So you know, I'm going off Jacksonville pricing right now, just as a sample. Sure. Okay.   Keith Weinhold  26:30   The model I looked at was seven bed, seven bath. It had two stories. The price was 325k, and it had 1800 66 square feet. Talk to us about just how profitable that it is for an investor on a pro forma income and expenses basis, Jim.   Jim Sheils  26:49   From what I've seen is if the average single family home was bringing in about $3,500, and that's a net on the year. So we're saying net, you know, cash flow on the year. Let's say it was about $3,500 on the year of a single family home that you bought. Well, your pad split property would be more closer to about 25,000 for the year. Wow! So that's a big jump. Now, with that comes a lot more rent collected, Keith. But also, and again, we can't do it here, but on the performa, there's more expenses because you have pad split. You have just very similar again. I think your analogy of a short-term rental for anyone who owns those very similar. There's more components. There's more pieces to it. There's more management. But what I did like about the performas that were first brought to us, large amount of rent collected, but also a large amount of contingency and expenses calculated in to get that number. So those are what I liked again seeing these is there's a lot of expense taken out to still reach that you know higher cash flow, but you know it's something that you will want to account for as well. You know what keeps people safe? Do your numbers. Do your numbers real. You know talk to people who have owned co-living properties, make sure that you're accounting for the extra expenses of tenants turning over more and and just more management involvement.   Keith Weinhold  28:10   Okay, so on that comparison where you likened it to a long-term rental versus this model, it's about $25,000 of annual cash flow, which is about $2,000 of monthly cash flow, and was that for the seven bed, seven bath model?   Jim Sheils  28:26   Yeah, and it would go up from there for the larger models.   Keith Weinhold  28:29   Yeah. Now, are tenants paying in advance by the week or by the month, or how does that work?   Jim Sheils  28:34   That's a key thing. They pay by the week, which I didn't realize how important that was for affordability and staying current on your rents, but from the things that I've been shown on working with Padsplit, they showed that when they charge people by the week, it's much more affordable. A lot of these people are paid weekly, so it really keeps them in good rhythm, and so they go on a weekly process.   Keith Weinhold  28:57   And is this just as conducive to out of area investors like long term turnkey rentals are?   Jim Sheils  29:03   Yeah. Well, that's why you always want to build right, finance right, manage right. You have lots of great connections. You can find a great builder that's willing to build them. You get good financing and then good management. So you don't have to live in the area, but you want to make sure someone is taking care of that for you. Again, I am going to say I know some people like to manage their own properties from afar. That can work with long-term rentals. I've done it with a few of mine when I left California and came here. From what I've seen, though, for co-living, the involvement-if you are from out of area-I would highly, highly recommend that you follow a manager process and work with a manager.   Keith Weinhold  29:43   Meaning that you would use one of PadSplits recommended managers.   Jim Sheils  29:47   I would use PadSplit with one of the preferred managers that we know well, and actually one of the managers that they highly recommend worked for our company for five years, and she's great. And for what we're. Doing, I can put a stamp of approval on it, and again, I think just seeing the involvement, these can work really well. But you want to have just like any time, but even more importantly, on these ones, you want to have management in place, especially if you're afar.   Keith Weinhold  30:14   Sure. So, what could the involvement realistically look like, Jim, if that out-of-state investor is using Pad Split and using Pad Split's recommended manager. What might that investor have to do remotely? And maybe that's just on an email basis.   Jim Sheils  30:32   You know, a lot can be done by email. Again, Keith, our goal-I don't think you should be spending more than two hours a month on managing your property manager. So again, just because there's more involvement, what I like is it doesn't mean there's more involvement for you. You're paying someone to set that up to handle it. You'll have to be involved somewhat. You are a property owner, but again, I don't see that you have to get involved with every little thing. In fact, I like to step back and not get too involved in my properties. I find like I just kind of go and stir things up. Let my manager do their thing. I'll manage certain big picture managerial things and in communication and overall just directionals. But you should not be getting overly involved. That's what their job is. You should not be doing that.   Keith Weinhold  31:18   Now I'm a turnkey real estate investor myself, as you know, with multiple properties in various states and places, and I'm used to getting monthly emails from my manager in those markets, and that is what my owner statement looks like: income and expenses and anything that's going on with the property. But that's just on a monthly basis. Are there weekly statements for co-living managers and owners?   Jim Sheils  31:42   Still rents are collected weekly, but statements still come out monthly.   Keith Weinhold  31:46   Because—   Jim Sheils  31:47   You want to, what you do is you collect all of the rents, but then again, it's easier to reconcile with all expenses and such that come out on a monthly basis. So it's done monthly.   Keith Weinhold  31:58   Are they writing common mistakes to avoid that are developing in the space, like an investor that gets in and buys their first co living property, and then they think, "Oh gosh, I wish I would have known about this thing sooner that I didn't think about because I'm only used to long term rentals. Any common mistakes to avoid pitfalls like that with co living, Jim?   Jim Sheils  32:17   Yeah, a couple of things. First, again, I can't stress enough that co living, from what I've seen and experienced, they do make money. But on the build it right, you know, going back to our build right, finance right, manage right. Just know if you're going to try one your on your own and you want to convert a home that's three bedrooms into a seven bedrooms, it is a much more tedious, involved process. Where again. Keith, like you said, are you getting things approved with the county or city? Just know that you really want to be in the know, and that's going to take some involvement. So that's my warning on if you're going to use co living and rehab your own property, financing wise. The thing that the mistakes I've seen made is people didn't see that they had higher interest rates, so you want to do that in your numbers. You know, working like with us, we're we have our own in-house financing. We're able to get it down to five and a half percent, but some of these co living banks are looking at it differently, and you might be more around 8% So you want to just do that in your numbers, and then the third pitfall, which we've you know hit on, and this is one of your real foundational rules: is management is key. And on these, where I see the biggest harm, once you get it built right and financed right, it could all fall apart if you don't have management in place. So I would just be you know some of you do it yourselfers. I have some things that I like to do it myself too, but on a more technical type of property like this, I highly encourage you get management in place to do their thing.   Keith Weinhold  33:47   For sure, it is easy to make the case that the management is even more important than the property itself. One of the things that I like about what you do there, Jim, is you're so forward-thinking and you are so into making the experience as turnkey for that investor as it can possibly be, and one of those things is as you rolled this out, you had a lot of the financing hurdles rolled out right with it. Tell us more about those in-house financing options you have that you touched on specifically for co-living, and especially I'm thinking through the lens of like that seven bed, seven bath, 325k co-living property that I saw.   Jim Sheils  34:28   Yeah, I mean it's nice with getting to be a builder of our size with a really good balance sheet. We're able to work with banks and buy large tranches of money or slate large tranches of money at cheaper rates than available to the public. You know, for our normal long-term rentals, we can get down to 3.75. That's for normal houses. You can't get that low because of risk factor. Banks still they like working with us, but we have gotten it down to five and a half percent. So right now, our most popular program is a 30-year fixed five and a half percent for co. You know, and again, a lot of people that have come to have said, "Holy moly, we were locked in at 8.15. We are getting it not as low as our lowest rate, but at a really good rate now. You know, below what's normally offered out there. So that's normal qualifying that you would have to do with any bank loan through us. And our counselors are happy to talk more about that. That's our most popular program for the co living for the seven seven. You're looking at a five and a half percent interest rate, 20 to 25% down. That is a super attractive rate. Is that something that the home builder helps participate in buying down discount points, or that the buyer is asked to do in order to get down to that rate? Working with us, well, it could go either way out in the marketplace, Keith. When working with us, we pay all of those required fees and points to get the lower rate. That's on us, not on the buyer.   Keith Weinhold  35:50   All right, we're talking about co-living properties today-a way to supercharge your cash flow. This is one of the greatest cash flow strategies in all of residential real estate today, Jim. Is there any last thing you have to tell us about co-living? Perhaps something that I did not think about asking you that I should have.   Jim Sheils  36:09   I think that's probably just what you and I talked about, like what Jim Rogers said. It's how not how I want things, but how things are. Yeah. And so for me, I held back for a few years, even when some of the founders right here in my own backyard have pad split to team up with, but I think that I couldn't picture Keith 10 years ago having a short term rental and like wait a minute I'm going to have them stay there every week and I'm going to have to furnish it you know is from the old guy doing long term rentals so I think for people just read up on it it's becoming a very interesting trend there's some very interesting statistics of why this is working, how management can be handled effectively, how to stay in compliance with your city. There's a lot of good information. This is a great starting point to our conversation today, but I don't think this niche should be ignored because the track record is already there and it is answering a need of both investors and tenants, which is pretty cool.   Keith Weinhold  37:04   It has been super intriguing to learn more about this. Jim represents one of our GRE Marketplace providers. It's been great having you back on the show.   Jim Sheils  37:13   Now, thanks for having me, Keith.   Keith Weinhold  37:20   Yeah, a really informative episode today. If you want to learn more about co-living properties, you can do so at gremarketplace.com/co-living. That's where you'll get the investment report, floor plans, financial projections, see the exact pricing, and learn more about pad split there. I've been around this space for a while, and I know investors that own co-living properties. Some other best practices that I've learned about are that you want to have limited visitation or a zero visitation policy for your co-living tenants. As we touched on, these properties can really make money, but don't try to manage them remotely. Make the house rules unusually specific. Address guests, quiet hours, smoking, drugs, pets, parking, food storage, shared bathrooms, thermostat settings, and cleaning and abandoned belongings, and enforce the rules consistently and quickly. Because one disruptive resident can cause several good residents to leave, and in co-living, retaining household harmony that is often more valuable than retaining one problem tenant. Provide professional common area cleaning. Don't expect seven or 14 unrelated adults to collectively develop some passion for wiping down the stove. That is not going to happen. Shared areas should be cleaned at least weekly. Install bedroom locks and then smart exterior locks. Give each resident private space, eliminate shared keys, and immediately revoke keys after move out. Cameras they should generally be limited to lawful exterior and entry locations, not in private spaces. Provide excellent internet in co-living, unreliable WiFi. That is practically a habitability crisis. Use business-grade equipment, strong coverage, and have a backup plan for internet. And as an investor, it's wise for you to maintain a larger repair and turnover reserve than you would for a normal long-term rental. Keep these things in mind, and it can keep seven times the cash flow from becoming seven times the headache. Again, you can get the investment report, floor plans for the very properties we discussed today, financial projections, pricing, and get more information about pad split all at. gremarketplace.com/co-living. That's gremarketplace.com/coliving. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 1  40:15   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold  40:43   The preceding program was brought to you by your home for wealth building getricheduceducation.com

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

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Radio Archive July 2004. Bobbie Dooley says she's so youthful looking she gets asked for her I.D. at Liquor Barn ..even though she's 45, no wait 39. She lords it over the HOA meetings, telling women how often she gets carded and how youthful she acts like outrunning cop cars and telling her husband she hates him and then running away.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.