Podcasts about hoa

Happy St. Patrick's Day, Myrtle Beasts! Charles performs “Lucky” by Britney Spears for Link, and it was, dare we say…incredible? Charles also takes us back to the old days of Dispatches with a good ole fashioned dirty joke. Plus, the two talk about their least favorite jobs (Charles' is a shocker, pun intended), give their opinions on some controversial topics, and help a listener who's in deep doo-doo with their HOA. C'mon and have a good time with us! To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Korie reflects on the joy of a growing Robertson family and what this new season of life with Willie looks like as grandkids, changing roles, and everyday sacrifices reshape their perspective on love. Jase recounts his embarrassing loss in a showdown with a bear on Willie's putting green and the real story behind the infamous HOA chicken dispute that made its way into a “Duck Dynasty” episode. Korie shares about the emotional tribute to Phil in “Duck Dynasty: The Revival” and the powerful legacy he left behind. The guys, Korie, and Jill wrestle with what true greatness really means and why Jesus flipped the world's definition of it upside down through love, sacrifice, and service. In this episode: 1 John 3, verse 16; 1 John 3, verses 19–20; 1 John 4, verse 4; 1 John 5, verse 9; Matthew 16, verses 13–23; Matthew 18, verses 1–4; John 3, verse 16 “Unashamed” Episode 1290 is sponsored by: Text UNASHAMED to 64000 and get a FREE pocket pivot & 10-pattern sprayer with the purchase of ANY size Copper Head hose! https://preborn.com/unashamed — Visit the PreBorn! website or dial #250 and use keyword BABY to donate today. http://unashamedforhillsdale.com/ — Sign up now for free, and join the Unashamed hosts every Friday for Unashamed Academy Powered by Hillsdale College Check out At Home with Phil Robertson, nearly 800 episodes of Phil's unfiltered wisdom, humor, and biblical truth, available for free for the first time! Get it on Apple, Spotify, Amazon, and anywhere you listen to podcasts! https://podcasts.apple.com/us/podcast/at-home-with-phil-robertson/id1835224621 Listen to Not Yet Now with Zach Dasher on Apple, Spotify, iHeart, or anywhere you get podcasts. Chapters 00:00 A “Bizarro World” Podcast Lineup 03:05 The Shroud of Turin: Resurrection Evidence? 08:40 Jase's Fights a Bear & the HOA 13:18 Family Life in the Robertson Neighborhood 22:40 Jase on Phil's Powerful Tribute Episode 28:40 1 John: Why God Is Greater Than Our Hearts 36:30 Jesus Redefines Greatness Through Service 44:05 Real-Life Examples of Sacrificial Love 49:30 Finding Greatness in Everyday Acts — Learn more about your ad choices. Visit megaphone.fm/adchoices

Rob from Karma Stories narrates a collection of “I Don't Work Here” tales: a man shovels out neighbors after a snowstorm and a pushy woman assumes he's with the HOA and demands her walkway; a shopper's wife is mistaken for a Walmart employee and insulted; a museum visitor gets asked three times in two hours if they work there; a POS repair tech is pressured to check out a customer on a register being disassembled and a manager confirms they don't work there; two friends buying mannequins during a Kmart closing sale are mistaken for staff while dressing them; a grocery shopper helps someone find strawberries after being mistaken for an employee; a Berlin art gallery visitor is mistaken for a guide; a dog park regular is assumed to be a trainer and ends up hearing an emotional end-of-life dilemma; and an understaffed appliance store mix-up ends wholesomely when a couple helps another customer.00:00 Welcome and Setup00:24 Snow Shoveling Mixup04:29 Walmart Mistaken Employee06:38 Museum Authority Vibes08:55 Register Repair Standoff11:55 Headless Mannequin Kids15:33 Wholesome Strawberry Help16:54 Berlin Art Guide Confusion18:25 Dog Park Heart to Heart21:14 Gaming Store Helpful Couple24:27 Wrap Up and Farewell

The moms are officially on baby watch! Jill is balancing wedding plans in Florida while keeping a close eye on Riley's fast-approaching due date—but will she have to leave early if the baby decides to come sooner than expected? Could this new grandbaby mean Jill might move … and would she actually consider selling her house?Meanwhile, Kelly shares that she may also be thinking about a move, possibly selling her Florida place to be closer to her girls.Melissa catches the moms up on her recent vacation, but it's not all relaxation—she's dealing with ongoing HOA drama after both her dog and a neighbor's dog were attacked in their neighborhood. Now Melissa admits she's become a full-on helicopter dog mom to her newest pup.Plus, with the mall not being as convenient anymore, Jill is trying to embrace online shopping. The moms break down what they love (and hate) about e-commerce.Have a question for the moms? Leave a voice message at https://www.speakpipe.com/deardancemom and you might be part of a future show! Hosted on Acast. See acast.com/privacy for more information.

Nghe trọn nội dung sách nói Người Tình Hoa Bắc trên ứng dụng Voiz FM: https://voiz.vn/play/141/Bảy năm sau thành công chói lòa của Người tình (giải Goncourt 1984), Marguerite Duras viết lại một lần nữa câu chuyện tình giữa cô bé da trắng và người Hoa.Ở trang mở đầu Người tình Hoa Bắc, bà nói: “Lẽ ra cuốn truyện có thể mang tên: Người tình trên phố hoặc Tiểu thuyết về người tình hoặc Truyện Người tình viết lại. Cuối cùng người ta đã lựa chọn giữa cái tựa rộng hơn, thực hơn: Người tình Hoa Bắc”.Tuy diễn biến tình tiết không thay đổi, song phương thức tự sự của Người tình Hoa Bắc có những nét mới. Chuyện được kể ở ngôi thứ ba, từ điểm nhìn không phải của các nhân vật, cũng không hẳn của người phụ nữ thuật chuyện, mà của một cái “ta” trung tính, từ con mắt của máy quay phim.Tác phẩm mang tính chất kép, như nhà văn xác định: “Đây là một cuốn sách. Đây là một bộ phim”.Tại ứng dụng sách nói Voiz FM, sách nói Người Tình Hoa Bắc được đầu tư chất lượng âm thanh và thu âm chuyên nghiệp, tốt nhất để mang lại trải nghiệm nghe tuyệt vời cho bạn.---Về Voiz FM:Voiz FM là ứng dụng sách nói podcast ra mắt thị trường công nghệ từ năm 2019. Với gần 2000 tựa sách độc quyền, Voiz FM hiện đang là nền tảng sách nói podcast bản quyền hàng đầu Việt Nam. Bạn có thể trải nghiệm miễn phí đa dạng nội dung tại Voiz FM từ sách nói, podcast đến truyện nói, sách tóm tắt và nội dung dành cho thiếu nhi.---Voiz FM website: https://voiz.vn/ Theo dõi Facebook Voiz FM: https://www.facebook.com/VoizFM Tham khảo thêm các bài viết review, tổng hợp, gợi ý sách để lựa chọn sách nói dễ dàng hơn tại trang Blog Voiz FM: http://blog.voiz.vn/---Cảm ơn bạn đã ủng hộ Voiz FM. Nếu bạn yêu thích sách nói Người Tình Hoa Bắc và các nội dung sách nói podcast khác, hãy đăng ký kênh để nhận thông báo về những nội dung mới nhất của Voiz FM channel nhé. Ngoài ra, bạn có thể nghe BẢN FULL ĐỘC QUYỀN hàng chục ngàn nội dung Chất lượng cao khác tại ứng dụng Voiz FM.Tải ứng dụng Voiz FM: voiz.vn/download #voizfm #podcast #nguoitinhhoabac #margueriteduras

A new bill is going to bring chickens to Kenzie's home and her upcoming HOA meeting. Chicago’s best morning radio show now has a podcast! Don’t forget to rate, review, and subscribe wherever you listen to podcasts and remember that the conversation always lives on the Q101 Facebook page. Brian & Kenzie are live every morning from 6a-10a on Q101. Subscribe to our channel HERE: https://www.youtube.com/@Q101 Like Q101 on Facebook HERE: https://www.facebook.com/q101chicago Follow Q101 on Twitter HERE: https://twitter.com/Q101Chicago Follow Q101 on Instagram HERE: https://www.instagram.com/q101chicago/?hl=en Follow Q101 on TikTok HERE: https://www.tiktok.com/@q101chicago?lang=enSee omnystudio.com/listener for privacy information.

Keith is joined by housing market intelligence authority Rick Sharga—a frequent guest on outlets like CNBC and Bloomberg who "quietly gets it right" rather than chasing clickbait crashes. Together, they dig into whether America really has a housing shortage and how that lines up with what you're seeing in prices and inventory.  They explore why entry-level homes are so constrained and what that means for both investors and homebuyers.  They also examine how mortgage rates, builder behavior, and demographic shifts could shape housing demand and investment opportunities over the next several years. Episode Page: GetRichEducation.com/596 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE I'm your host. Keith Weinhold, does America really have a housing shortage? And if so, how long will it last? Those answers and more, with an expert guest and I today on get rich education.   Speaker 1  0:19   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:03   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:36   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  1:46   Welcome to GRE from Nantucket, Massachusetts to Pawtucket, Rhode Island and across 188 nations worldwide. America's favorite shaved mammal on a microphone has got his slack jawed act back on track for another wealth building week with you. I'm Keith Weinhold. This is get rich education. I'm still not wearing a pair of knockers, and I've returned here to bring you more value than your HOA dues. It's kind of crazy that America First put a man on the moon, and we're the first nation to put a man on the moon in 1969 and yet today, we have trouble housing our own people here on Earth. Shortly, we're going deep on does America really have a housing shortage first? Sometimes real estate investors can learn lessons from the stock market about the future direction of housing prices and demand and just simply what assets people have demand for, how AI is disrupting some stock sectors. Has been rather germane lately. One CEO made this perfect example. It's about how two different stocks travel search engine Expedia and Delta Airlines, those two stocks were once closely tied together. Their share prices used to be correlated, but they've gone in separate directions. See, Expedia offers you a service that can be replicated by bots, but delta has actual planes that take you somewhere, and it's hard for AI to replace that. This is why there's been a recent push toward more tangible stocks and tangible assets, a divergence, an attraction to assets that give you a share of either a tangible good, or, in the case of something like an airline, a service that's directly tied to something tangible. And similarly, commodities like gold, silver and copper cannot be replaced by AI. Neither can real estate. There is a growing sense to own things that can't be disrupted, dematerialized and demonetized by AI, like so much software can. In fact, as overall stock market valuations are lofty. You know, some people have become rather wary of an AI speculative bubble that perceptive to this demand. Just a few weeks ago, Goldman Sachs introduced an everything but AI index, yeah, where you can invest in a basket of companies that are sheltered from Ai disruption, this everything but AI index that's attracting investors. In fact, there's another trend that interfaces with real estate that just launched recently too today, you can wager on future homes. Prices through the platform, poly market, yes, place bets for profit or loss on the future direction of the median home price. In fact, one recent college graduate joked, I was born too late to afford a house, and born just in time to gamble on people who can buy a house? Yeah, you're probably familiar with poly market by now. It's the prediction market that lets you speculate on things like elections and Fed rate decisions and various geopolitical events and other real world outcomes. Well, they have launched a set of real estate markets that allow users to bet on future home values. The way it works is that you can wager on future home values in New York, Los Angeles, Miami, San Francisco and Austin, Texas, as well as US national home values. So that's six different markets. Now I haven't gambled on Poly market, I had checked it at times to get an idea of where people really think markets are headed or what's going to happen next. Because, rather than major media, where sometimes as a hype machine, they create headlines that scare you in order to try to get clicks, well, instead of all that, regular people are placing their money on polymarket, and you can look at what that action is like, because that can be a more reliable harbinger of future price direction at last check with a national median home price of about 420k with the numbers, poly market is using one month from now, 66% of people think that home prices will rise. And it's more nuanced than that. You can bet on just what price range you believe home prices will fall into one month from now. And this is nothing that I recommend wagering on, but besides an interesting trend, yeah, you can get that idea of where real people actually believe markets are headed. As we're about to talk to national housing expert Rick sharga on whether or not we really have a housing shortage, we've got new data about the level of housing permits. Of course, housing permits are a gage of the level of future housing inventory, because after a permit is issued, it's typically six to 12 months until a single family home is built. But I'll share that with you near the end of the show, because it makes sense to cover this with you in chronological order. We'll discuss housing supply first, and then I'll tell you about the future supply direction based on housing permits. Now, you know from the inception of this show in 2014 I talked about the why of real estate investing before the how with anything in life, it's only when you truly know why you're doing something that you'll profoundly care about the how and you'll want to do it well. In fact, when I do an in person real estate presentation, one of the modules that I teach most often is simply called Why real estate. The biggest Why is not altruistic, although that matters, and that's part of it. But instead it's that real estate pays five ways. That's the biggest why any GRE devotee knows that the five ways are simultaneously paid, are appreciation, cash flow, ROA tax benefits, and not inflation hedging. But specifically inflation profiting. Yet I have found multi decade real estate investors that don't understand this, the most valuable hour that you can spend is knowing all the ways that you're paid and seeing and believing how your total rate of return of 20% 30% or even 40% is not far fetched or risky, but it's actually common and even estimated conservatively. If you're initiated on this, you already know, but if you aren't, it can sound a little hard to believe what I just said right there, I recently reshot the entire real estate pays five ways video course, and it's the most valuable hour of investing video content that you're likely ever to see. It's premium, masterclass level content. I'm just giving it away for free because people need to know this. And actually, on the newest shoot, I've condensed it down into just 40 minutes of content across the five videos, one instructional video for each of the five ways you're paid. The videos average eight minutes. So that's about 40 minutes total, and they build on. Each other. So at the end of each one, you get to see your cumulative rate of return. It just keeps adding up, and you know exactly where all of the numbers come from. That's why it's more conducive to video form than audio form. I know that many of you have seen it, but if not, it is foundational, and I cannot recommend it enough. It's free and available to you now. At get richeducation.com/course, get that now, while it's on your mind. At get rich education.com/course, more next, I'm Keith Weinhold, this is get rich education.   Keith Weinhold  10:39   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@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.   Keith Weinhold  11:16   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Kathy Fettke  12:27   this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold. You   Keith Weinhold  12:46   Is America really short millions of homes? If so, that doesn't mean every market is undersupplied, and prices can only go up because of it. If there's a housing shortage, why are prices falling in some cities? So the shortage? Is that something that's real, or is it just misunderstood, and you're gonna learn what it means to you? I'm get rich education's Keith Weinhold along with an intelligence authority today that usually gets it right. In fact, I found an old clip of him on Bloomberg where he suggested home prices bottoming in 2011 and as it turns out, they sure did today, together, we're answering the question, does America really have a housing shortage? And my guest has often appeared in major media, CNBC, Fox NPR. He's the founder of the CJ Patrick company. Hey, welcome back to the show. Rick sharga,   Rick Sharga  13:39   good to see you again. Keith, thanks for inviting me.   Keith Weinhold  13:41   You know, it's funny. Four years ago, Rick and I found each other, and we sort of checked each other out. I found him to be an authority that just doesn't go on saying this bombastic and absurd stuff just to get attention. Instead, he quietly gets it right, and when he knew I had a real estate YouTube channel, similarly, I resonated, because I'm not one of these people that's constantly saying that housing prices are going to crash just to get views and then those crash. People never follow up when they're wrong, and they've been wrong for about 14 years now. But Rick, rather than prices, we're here to understand if there's really a housing shortage today, most agencies believe we have a shortage. Moody's will tell you 2 million. Zillow, four to 5 million. Congressional Republicans have gone on to say 20 million. I sure don't know about that. And then yet, Rick sometimes at the same time, you do see these conflicting stats, where it says that sellers outnumber buyers today, which sort of flies in the face of a housing shortage. So what is your take amidst all this?   Rick Sharga  14:46   Well, Keith, I think what we're seeing is a fairly obvious example that if you torture data enough, you can make it say anything in the right you wanted to say. And there is a lot of confusion about how much. A housing shortage we really do have. It's not like we have 20% of the population unable to find anywhere to live. Most people still prefer to live indoors, and they've been able to do so, but the fact of the matter is that all of the math suggests that we are underserved in terms of the number of housing units available across the country, and we can go through some of the math. The big question, of course, is, how many houses are we short? How many housing units are we short? And the reason the numbers are all over the place, and as you suggested, let's set aside the Republican estimate of 20 million, because there's, there's certainly something political going on there, but the estimates range from around a million to as high as five or 6 million. And the reality is all of those estimates are counting something different. Some are counting housing growth versus population growth. Some are counting vacancy rates compared to historic levels, some are counting inventory available for sale today versus inventory available to sale in prior years. So each of these organizations, and they're all pretty reliable organizations, Moody's is certainly good. Zillow's research team is top notch. Fannie Mae and Freddie Mac the National Association of Realtors. None of these people are hiring dime store economists. They're all good folks, but they're all measuring something slightly different, which is why these numbers come out all over the place, and the one of the fundamental challenges is trying to figure out housing shortages compared to what, or compared to when. All of these estimates assume that there was some point in history when we had exactly the right number of housing units to suit the needs of the population. So they start with some point in time, and I think if you did enough research, you find they all start at slightly different points in time, and then kind of work their way forward from that and come to very different conclusions, again, based on where they started and where they ended up, and what they count. The one thing I would push back on a little bit from some of your comments in the intro is that I am highly, highly skeptical, extraordinarily skeptical of the reports that talk about how many more sellers we have than buyers, because that makes some wild assumptions about the number of people that are actually interested in buying a house. And I've never seen any research methodology that's really nailed that number accurately. Because nobody knows if you're thinking about buying a house right now, until you go to an open house until you do a search on on Zillow, or realtor.com or homes.com until you actually are applying for a loan or making a deposit. So the notion of being able to mind read three 40 million Americans to figure out how many of them are interested in buying, I think, is a neat trick, but I do think it's at least in part one of those methods that people use to get a lot of clicks to their website   Keith Weinhold  18:05   right? This whole thing of and I think when we talk about sellers versus buyers, that's shorthand. What we really mean are, there are some stats out there that show that prospective sellers outnumber prospective buyers, in some cases, which, yeah, I think I agree with you there. I doubt that as well. And yeah, of course, I think you're getting on some of the nuance here. We're trying to predict how some people would behave. For example, how much pent up demand is there when we're talking about sellers versus buyers, and we're talking about a shortage, for example, say, the 28 year old living with their parents that could move out and afford to buy a home if mortgage rates hit 5% like for example, how do you count that? Or, how would you even know to   Rick Sharga  18:53   it's a valid point. Keith, and I think that fundamentally, is my question. With that particular report, you really can't count that person. We do have some metrics that we follow, and it's funny, you mentioned that 5% mortgage, because as we record this, mortgages have broken that 6% threshold for the first time in a number of years. And just about every kind of mortgage you could buy right now is below 6% so that's a good thing. And every time we've gotten close to that 6% mark. In recent years, since mortgage rates doubled back in 2022 we've seen a huge influx of people applying for purchase loans, for those mortgage loans to buy a house, those numbers are up somewhere between 13 and 15% year over year right now, and that's before we've really had these mortgage rates dip below 6% so to me, that suggests there really is pent up demand out there, and I judge that just based on what I see in terms of a number of people actively applying for a loan.   Keith Weinhold  19:54   Yeah, there's a lot of nuance here. HUD tells us that we have more. Homeless people than we've ever had in this nation. So that's sort of an extreme affordability problem. To your point earlier about how most people want to live indoors, and I'm sure not making light of homelessness. It's a sad situation, but we're always going to have homeless people regardless of whether we have excess housing or a housing shortage. We have about 146 million housing units in the United States. The census shows and suggests that 8 million of those 146 million are housing units where people have doubled up and are sharing space with non relatives. That's one way to think about the level of pent up demand within the shortage,   Rick Sharga  20:44   I don't know if that's a result of shortage necessarily, or if that's a result of having the weakest affordability for people looking to buy homes that we've had in over 40 years. The last time affordability was as bad was the 1980s and the reason affordability was bad back then was because mortgage rates were at 1819, 20% and it made it very difficult for people to afford homes. But we're coming out of a very unusual cycle, and this is a little bit off topic from our inventory question, but it's the only time in US history when two conditions have hit the housing market back to back, if you go back to covid, coming out of covid, we saw home prices go up nationally by over 50% in about 18 months. It was a huge, huge, unprecedented increase. Yeah, and right on the heels of that, as inflation started to get out of control, the Federal Reserve had to take pretty extreme measures to get that back down. So they started playing with the Fed funds rate, and we saw mortgage rates double in 2022 in the history of the country, according to Freddie Mac we've never seen mortgage rates double in a calendar year. And in 2022 They not only doubled in a calendar year, they doubled in the space of a few weeks. So we're coming out of a period where home prices went up by over 50% and then mortgage rates doubled, and it just crushed affordability. So the people that have been looking to buy a $400,000 house suddenly realized they could only afford a $200,000 house, and there were none of those around. It's really why home sales have gone down as rapidly as they had volume of sales. In 2021 we sold 6 million existing homes. In 2022 it dropped to 5 million. And for the last three years, we've been sitting at around about 4 million annual sales of existing homes. And again, that doesn't suggest a lack of inventory, a lack of homes, because there are fewer people buying, and there's more properties staying on the market longer. But the underlying numbers, the underlying metrics we would look at, are where we can start to kind of deduce that there aren't enough homes. For example, you mentioned that there are about 146 million housing units across the country. Most recent census data I have from the end of 2024 says it's about 140 748, 40 748 million. So it's up just slightly from your number. That represents a growth of about 6.7% in housing units between 2010 and 2024 during the same period of time, the population went from about 309 million to about 340 1 million, and that represents a growth rate of about 7.4% so if everything else stayed equal, your population grew at a faster rate than your housing units did. And that suggests that even if the number of housing units was ideal back in 2000 it's somewhere less than ideal by the time we got to the end of last year,    Keith Weinhold  23:42   we're talking with Rick sharga. He's the founder and owner of the housing market intelligence firm, the CJ Patrick company. We're answering the question, does America really have a housing shortage? We're getting a yes there. And before we're done, we're going to talk about, how long could the shortage persist? But Rick, you spoke to affordability, and I think that has a lot to do with the nuances within the shortage, and that brings up shortages within the luxury tier versus shortages in the entry tier. And the entry tier is really what a lot of our listeners and viewers are interested in, because we're used to buying those as rental properties. So can you tell us about that?   Rick Sharga  24:23   It's a great point, Keith. And what we've been talking about so far is kind of a structural shortage in the overall number of housing units that could be purchased, could be owner occupied, could be rented. And one of the culprits there, and I will answer your question, I promise, one of the culprits there is that builders simply haven't built that much. If you look at the long term average, like 2025 years, the average number of housing starts was somewhere between 1.3 and 1.4 million a year coming out of the Great Recession in 2010 so you look at that last 15 year period or so, 12. Of those years, they've started less homes than that long term average. So builders simply haven't been keeping pace, not only with population growth, but also with just the ability to create enough homes in general, to offset the number of homes that are obsoleted every year, that get bulldozed every year. So there is a structural shortage. To your point, if you look at inventory available for sale, we are up about 9% year over year, but we're still down about 15% from where we were prior to the pandemic. So there are fewer homes for sale than there were back when the market was functioning more efficiently. The most drastic shortage is at the entry level builders simply have not been making a lot of entry level properties. There's a reason for that. There's some independent research out there, including some research from Fannie Mae that suggests that the pre construction cost a builder has to absorb before they break ground is over $100,000 across the country, on average, higher than that, where I'm calling you from today, in California, it's about 120,000 there. If your table stakes are 100,000 $120,000 it's really difficult to make a profit on an entry level property. So the builders, I think understandably, have been focusing on higher dollar, higher value properties and not replenishing that supply that we need for first time buyers and the kind of properties that real estate investors tend to like. The other problem we've had, Keith, is that when those mortgage rates doubled, the people who had purchased those entry level homes refinanced into a two and a half 3% mortgage and are now sitting on a $300,000 property, let's say or $250,000 property with a two and a half percent mortgage. And if they wanted to trade up, they'd be trading up to a four or $500,000 house with a 6% mortgage. And they simply can't afford to do that. So the combination of entry level owners staying put at much larger numbers and builders creating new entry level homes at much smaller numbers has really created kind of a crisis of inventory at the entry level segment of the housing market.    Keith Weinhold  27:18   Yeah, when we talk about that crisis of inventory in what's available. I'm not talking about shortage numbers now. I'm talking about the active listing count. This means more or less available homes to buy. This includes single family homes and condos. We have an active listing count of around 1 million today. The historic average is around 2.2 million, and that peaked near 4 million during the global financial crisis. So today, only about one quarter as many active listings, available homes as at the peak,    Rick Sharga  27:54   yeah, only about half as many as, let's call it a normal market, and that's one of the reasons. I think the first time you and I spoke on your podcast, we were talking about all the online snake oil salesmen who were predicting a home price crash. But that's one of the reasons why home prices haven't crashed, and why they've kind of continued to grow, at least at a modest pace, and in some cases now are starting to decline a little bit. But that lack of inventory on the market. When you don't have enough inventory to meet demand, or just barely enough to meet demand, that means that seller doesn't really have to negotiate all that much. That means that buyers are kind of at a disadvantage, and so as long as that's the case, you'll see home price stability. That doesn't mean that every market is going to see prices go up. But if you look across the country right now, if you look at markets where home prices are down even marginally year over year, you're looking at the Gulf Coast states, you're looking at some other southern markets, Las Vegas, Phoenix, you're looking at some outlying markets like Boise, Florida, certainly, and Texas. And those are markets where inventory is actually considerably higher than it was a year ago, and in some cases, considerably higher than it was back in 2019, if you look at markets where prices are still going up a lot, Midwest, Northeast, those are still markets where there's not enough inventory to meet demand. So that relationship between available inventory for sale and demand is really what drives pricing    Keith Weinhold  29:23   this whole discussion, which is really about the supply, just in the economics one on one. Adam Smith of supply versus demand. A lot of people, just like including my dad, when I was telling him about housing, something he doesn't follow. And I told him that prices are up the most in the Northeast and Midwest. That surprised him. He was like, No, well, population growth is lower here and lower than Pennsylvania, where he lives. And that's when I brought up, well, they're under building there. So in parsing this by geography, Rick, I think another way that we can do it is parsing the housing shortage by the single family homes versus apartments, because it's. Pretty well documented that nationally, apartments could be seen as overbuilt, and single family is under built. Do you have any details with respect to that?    Rick Sharga  30:08   We talk a little bit about that, and quick shout out to both of our home state, Pennsylvania, yeah, Phil, Philadelphia actually had some of the highest annual price increases right in their home sales last year. But part of that isn't just because they haven't been building a lot in Philadelphia or the suburbs. It's because we see people moving from higher priced markets into lower priced markets. So we have people actually commuting to New York who have bought homes in Philadelphia or the Philadelphia area. They can get much more house for their money there. They're not subject to some of the wage taxes that happen in New York State. They just get on that Amtrak and train into the city every day. So there is some of that going on across the country too, as we still see net migration of people moving out of states like California, New York and Illinois into nearby states where the cost of living is much lower. That slowed down since covid, since a lot of companies have been requiring people to come work back at the office. But it is still happening. It is still happening in generally the same direction you raise the issue of inventory for rental units versus inventory for, let's say, owner occupied properties, we have seen a plateau in the number of single family rental homes. So the stuff you're hearing out of DC, that you're seeing the media about the really important ban on institutional investor buying is really much more sizzle than substance. Oh, right. Institutional investors are owned and are buying a fraction, but we've seen over a million apartment units come online in the last 18 months. It's about the largest number of apartments that have that have sprung up and in that shorter period of time on record. And we've gotten to a point where in some markets, there's actually a little bit of an oversupply of those apartment units now that will balance itself out over the next couple of years, because multifamily building starts are way down too so we're not seeing a lot of activity there as builders hold off, waiting for this new inventory to get absorbed. But to put it in perspective, vacancy rates went from near zero back during covid in those apartments to over 6% last year. Rental rates have gone down from 15% year over year, increases back in 2020, 2021, to negative numbers nationally in the last year, just talking apartments, just apartments. So we have a short term mini glut, if you will, of apartments. It will be absorbed rapidly. We have 92 million people between the ages of 26 and 54 who are have either formed households or are about to a lot of them would like to be homebuyers can't afford today's prices, so they're renting instead. And about 5 million people a year are turning 35 which is when, you know, we parents start literally kicking them out of the house. So I think that rental overage will resolve itself, really, in the next 12 to 18 months. And if the builders don't start building new inventory by that point, we'll wind up with another shortage on the housing front, I'm of the opinion that we're at least a million homes short compared to what demand should be. I think the number is probably somewhere between one and 2 million. And again, I'm doing that simply based on a slight decrease in vacancy rates, population growth and the aging of the population. What could throw all of our numbers off? Keith is one of the X factors in demographics and population, which is immigration. Population growth, if it's organic, if it's by birth, does have an effect on housing, to an extent, but it's it's more nuanced, and it takes longer to really show itself if you're dealing with adult immigrants coming into the country, particularly immigrants who are coming in for jobs and have income that they can spend on housing, your housing demand goes up quickly, and that can have some local market repercussions depending on where the immigrants are going.   Keith Weinhold  34:18   In Philadelphia is not a coastal city. Its cost of housing is surprisingly low to a lot of people, but it's not on a coast. Just look at a map. Well, Rick, as we're winding down here, how long could the housing shortage persist overall?   Rick Sharga  34:33   I think we're in a period of time right now where builders are reluctant to overbuild. They got caught in the great recession with about a 13 month supply of homes available for sale, and then as home prices crashed, they were competing with their own inventory from the prior year, and many of them took a real beating financially during that period of time. So I don't expect we'll see builders overbuild anytime soon. And that tells me that we're probably looking at at least another three to five years before we can have a rational conversation about housing numbers kind of leveling off to be where they should be. We mentioned immigration. That is an X factor that could extend the housing shortage. If we start to see more immigration coming into the country, it could mean that we don't need as many houses as I suspect, if we have fewer people coming into the country. And the other x factor here is the boomers, the baby boomers of any generational cohort, probably have the highest home ownership rates right now and ultimately will age out of their properties. They've stayed there longer than any prior generation has, and that's also contributed to the inventory shortage, as opposed to the housing shortage. But as a friend of mine said, and it's a little macabre, but as he says, boomers will eventually leave their homes, either vertically or horizontally, so that will bring some inventory back to the market as well   Keith Weinhold  35:58   housing supply. It is rather inelastic, and we're probably going to be in this shortage for a number of years. Well, Rick, tell us how and why people consult with you and then just how they can do that.   Rick Sharga  36:12   Yeah, I work with mostly companies that are in the real estate or mortgage industries. Keith, I typically prepare a lot of market intelligence reports to them. It's real estate data, economic data, mortgage data. For some clients, I do foreclosure reports. They know what's going on in terms of delinquencies and defaults. For others, I do research on investor purchase activity, what they're buying, what they're selling, what they're paying, where they're doing all this. So anything that's data related to real estate data, mortgage data, economic data, I'm kind of neck deep in and I'm very easy to find on either LinkedIn or x. So if anybody's listening today and wants to connect on those platforms, just reach out and tell me you saw me on the GRE podcast, and I'll know you're legit.   Keith Weinhold  36:56   Housing supply is coming up short, but Rick never does. It's been great having you back on the show.   Rick Sharga  37:02   We'll do it again soon, Keith, It's great talking to you.   Keith Weinhold  37:10   Do we really have a housing shortage? The answer is yes, and the number of units short is one to 2 million. The shortage is worst in the entry level home segment, which matters so much to us as investors, we are owning an asset that's going to have sustainable demand for quite a while into the future. Rick indicated that it could take perhaps three to five years just to get back into balance. Now, we recently learned that there were fewer housing permits issued last year than there were in any year since 2019 and housing permits are an indicator of the future home supply. They had their recent peak five years ago with 1.7 5 million, and last year, there were just about 1.4 million. So home permits issued are 19% lower today than they were back in 2021 this is a harbinger of supply, because from the time that a permit is issued, it takes six to 12 months to complete a single family home. It's about six months to build a tract home, and closer to 12 months for a custom home. For apartments, it can take in excess of 24 months to deliver that period of time from permitting to completion. So nationally, we should continue to see scarce supply in the one to four unit space, keeping upward pressure on prices again for the most valuable 40 minutes of educational real estate investing material around you can access my premium real estate pays five ways, master class of five videos, totally free. And you know how I operate. I don't try to upsell you to some paid course. Either. It's just truly free. I'll send it to you. You can access it at get rich education.com/course coming up on future episodes here on the get rich education podcast, we're about to go on a run. The next stretch of GRE is loaded. We've got fresh topics with some game changing monolog content that I'm going to share with you new guests, distinguished guests. Next week, the youngest guest to ever appear on the show is going to be with us. He's a 19 year old college student with a real estate investing related major. How does he see Gen Z's financial world? Is there any hope at all? The following week, we're going to break down an innovative way to sell properties that could completely change how you think about your exit strategy when it's all done, when it's time for you to retire from real estate, rather than a 1031, Exchange, which would just keep you in the real estate game and with more of it, do a seven. 21 exchange into a real estate fund. Have no more assets to manage, no more property managers to manage total capital gains tax deferral and still get financial upside. And then just four weeks from now, it's get rich education podcast episode number 600 debt is the American dream. So if you're serious about building wealth, be sure to follow or subscribe to the show. If you've already done that, I would really appreciate it if you told a friend about this show until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:39   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  40:58   The preceding program was brought to you by your home for wealth, building, get richeducation.com

“…and justice for all.” For as long as any of us can remember, those four words signaled the start of the school day, the VBS opening assembly, and every Boy Scout or Girl Scout meeting. Chances are, even if those words weren't part of our Pledge of Allegiance, our desire for justice is still deeply ingrained. “…and justice for all.”For as long as any of us can remember, those four words signaled the start of the school day, the VBS opening assembly, and every Boy Scout or Girl Scout meeting. Chances are, even if those words weren't part of our Pledge of Allegiance, our desire for justice is still deeply ingrained.” –A car that sped by you gets pulled over by a state trooper — justice. –The neighbor who never edges his sidewalk finally gets fined by the HOA — justice. –Your boss pays attention to the extra hours you've been putting in, and you get the promotion — justice. But what happens when you're the offender? You forget to return something you borrowed. You get caught driving solo in the HOV lane. There's an honest mistake on your tax return. Suddenly, your cry for justice becomes a plea for mercy. How does God balance it all? Can the same God be both just and merciful? He can. He does. He has. He will. What may be an impossible balance of character for man is the true nature and essence of who God is. The post GOD IS: UNDERSTANDING THE CHARACTER OF GOD – God Is Just (YOU-Spr’26, Study 1, Session 3) appeared first on YOU.

VOV1 - Nhân Ngày Quốc tế Phụ nữ 8/3 năm nay, Liên hợp quốc kêu gọi các quốc gia và cộng đồng quốc tế tăng cường hành động nhằm bảo vệ và thúc đẩy quyền của phụ nữ và trẻ em gái. Với chủ đề “Quyền- Công lý- Hành động cho tất cả phụ nữ và trẻ em gái”.Sau hơn một thế kỷ kể từ khi Ngày Quốc tế Phụ nữ được ghi nhận, thế giới đã đạt được nhiều tiến bộ trong việc mở rộng cơ hội cho phụ nữ. Tuy nhiên, các tổ chức quốc tế cho rằng khoảng cách giới vẫn tồn tại trong nhiều lĩnh vực của đời sống kinh tế, xã hội và pháp lý.Theo các báo cáo toàn cầu, phụ nữ hiện chỉ được hưởng khoảng 64% các quyền pháp lý so với nam giới. Gần một nửa số quốc gia vẫn tồn tại những quy định hạn chế phụ nữ làm các công việc tương tự nam giới, trong khi khoảng 2,7 tỷ phụ nữ vẫn gặp khó khăn về mặt pháp lý trong việc lựa chọn nghề nghiệp.Bạo lực đối với phụ nữ cũng tiếp tục là vấn đề đáng lo ngại. Ước tính khoảng 30% phụ nữ trên thế giới từng trải qua bạo lực thể chất hoặc bạo lực tình dục. Trong khi đó, nhiều quốc gia vẫn chưa có luật đầy đủ nhằm xử lý bạo lực gia đình hoặc bảo vệ phụ nữ trước các hành vi xâm hại. Bất bình đẳng giới còn thể hiện rõ trong lĩnh vực kinh tế. Theo Ngân hàng Thế giới, chỉ khoảng một nửa phụ nữ trong độ tuổi lao động tham gia lực lượng lao động toàn cầu, thấp hơn đáng kể so với nam giới. Thu nhập của phụ nữ trung bình cũng chỉ đạt khoảng 77% so với nam giới cho công việc tương đương.Các chuyên gia cho rằng những khoảng cách này cho thấy nhu cầu cấp thiết phải chuyển từ việc ghi nhận quyền trên giấy tờ sang bảo đảm quyền đó được thực thi trong thực tế, thông điệp cốt lõi của Ngày Quốc tế Phụ nữ năm nay. Trong thông điệp nhân ngày quốc tế phụ nữ 2026, Tổng Thư ký Liên hợp quốc António Guterres nhấn mạnh:“Quyền của phụ nữ là quyền con người. Đầu tư cho phụ nữ và trẻ em gái là cách chắc chắn nhất để đảm bảo một thế giới tốt đẹp hơn. Phụ nữ và trẻ em gái đang làm thay đổi thế giới. Vì vậy, đã đến lúc thế giới phải thay đổi vì phụ nữ và trẻ em gái.”Trong khi đó, Giám đốc Điều hành Cơ quan Liên Hợp Quốc về bình đẳng giới và trao quyền cho phụ nữ (UN Women) Sima Bahous cảnh báo rằng những tiến bộ đạt được trong bình đẳng giới vẫn có nguy cơ bị đảo ngược nếu thiếu những hành động mạnh mẽ. Bà Sima Bahous cho biết:“Chúng ta chưa bao giờ gần đạt được bình đẳng giới như hiện nay, nhưng cũng chưa bao giờ gần đánh mất nó đến thế. Ngày Quốc tế Phụ nữ năm nay phải trở thành bước ngoặt để chúng ta cùng hành động vì quyền và công lý cho tất cả phụ nữ và trẻ em gái.”Theo các chuyên gia, bảo đảm phụ nữ được tiếp cận công lý, giáo dục và cơ hội kinh tế bình đẳng không chỉ là vấn đề quyền con người mà còn là điều kiện quan trọng để thúc đẩy phát triển bền vững và ổn định xã hội trên toàn cầu.Trong bối cảnh đó, thông điệp của Ngày Quốc tế Phụ nữ năm nay được xem là lời kêu gọi cộng đồng quốc tế chuyển từ cam kết sang hành động, nhằm bảo đảm rằng mọi phụ nữ và trẻ em gái đều có thể sống an toàn, được bảo vệ trước pháp luật và có cơ hội phát triển bình đẳng./.Hồng Nhung/VOV1Tổng thư ký Liên Hợp quốc Antonio Guterres. Ảnh: Tân Hoa xã

Francisco, Revolver, The Lemon Twigs, HOA, Vinicio Capossela, Piero Umiliani, The Muppet Show, CeeLo, Richard Cocciante, Bon Entendeur ft. Emma Peters, Anni-Frid Synni Lyngstad (Frida de ABBA), Matías Damásio, Mariza, Cowboy Junkies, The Velvet Underground y la Orquesta Típica Misteriosa Buenos Aires.

Do HOAs really have more power than local government? In this explosive episode, Special Guest John Jay Singleton reveals how homeowners can challenge HOA overreach, amend covenants, and assert their property rights before fines turn into foreclosures . If you live in an HOA — or are thinking about it — this could change how you view land, liens, and legal leverage forever.Get Risk Management Help at: GRIT.AceOfCoins.clubGet your precious metals at https://NobleGoldInvestments/GRITNOTE: This information is for educational and investigative purposes.-------------------------Check out all of our vendors at: https://patriotswithgrit.com/patriot-partners/ SPONSORS FOR THIS VIDEO❤️ Cardio Miracle – One Drink. Endless Benefits.Feel steady energy, sharper clarity, and stronger resilience every day.Own your freedom in health & experience the full power your body was designed for.

Do you have a strict HOA?? One HOA in Vegas is going to fine its residence if they use their garages for storage! All your cars must be in your garage otherwise you'll be fined!

What does it take to build a national property management franchise?In this episode, I sit down with Steve Hart, CEO and co-founder of PMI, a franchise network with nearly 500 locations and 35,000+ doors under management.We unpack how PMI grew from a startup during the 2008 financial crisis into one of the largest property management platforms in the country.We discuss:(00:00:00) - Intro(00:01:25) - Meet Steve Hart(00:05:09) - Building a franchise platform(00:07:22) - Five pillars explained(00:13:21) - HOA margins and revenue(00:16:00) - Sponsor - appgentic.ai(00:17:48) - Who should franchise(00:24:20) - Brokerage as bridge(00:29:21) - Multi-location franchise growth(00:30:08) - Acquisition engine explained(00:35:11) - Aligned incentives model(00:37:13) - Sponsor - Rentvine(00:38:19) - Breaking the 100 door plateau(00:41:31) - Stop competing on price(00:43:53) - Guarantees that build trust(00:46:21) - Churn trends and fixes(00:52:36) - Saying no to PE offers(00:55:47) - Consolidation and multi-unit owners(00:58:53) - Protecting the brand(01:01:13) - Final wrap and where to followSteve explains PMI's five-pillar model (residential, multifamily, HOA, commercial, and short-term rentals), why HOA management is growing 60% year over year, and how their franchise partners are acquiring millions of dollars in PM portfolios annually.We also dig into some practical operator questions:Why so many PM companies stall around 100 doorsWhen to stop competing on priceHow acquisitions are changing the industryAnd why Steve has repeatedly said "NO" to private equityIf you're thinking about scaling, franchising, or buying doors, this one's worth a listen.Learn more and connect with Steve here: PMISteve on LinkedInLearn more & connect with me here:⁠Crane⁠, the private community for property management business owners.⁠My Free PM Newsletter⁠⁠RL Property Management⁠

Gas prices are on the rise, and Eric G is diving right into the nitty-gritty of why that's happening and what it means for us home improvement lovers. We're chatting about everything from oil market fluctuations to how these changes can ripple through the world of building materials. Plus, Eric's got some spicy updates on those pesky HOAs and city governments that sometimes seem to think they own the neighborhood! It's a wild ride as we explore the balance between community regulations and our rights as homeowners. So, grab your headphones and get ready for a mix of insightful commentary and a sprinkle of humor—because who said discussing gas prices and local governance can't be fun? Gas prices and the ever-fluctuating costs of building materials are hot topics these days, and Eric G dives right into the thick of it. He gives us the lowdown on why gas prices are on the rise, linking it to the uncertainty surrounding the oil markets—especially with the shenanigans happening in Iran. But don't throw your hands up in despair just yet; Eric assures us that this spike is likely temporary. He explains how the oil supply is still relatively stable and how these prices often bounce back like a rubber ball—quick to soar, slow to come back down. So, while we might feel a pinch at the pump, Eric's optimistic that we won't be left stranded in the desert of high prices for long. But wait, there's more! Our trusty host also touches on how these rising gas prices might just ripple out and affect the costs of trucking and shipping materials, creating a bit of a domino effect in the building supply world. With spring around the corner, and the clocks about to change—cue the collective groan over daylight savings—Eric encourages us to check our smoke detectors and carbon monoxide alarms. After all, safety first, right? He reminds us that while the clock may change, the need for vigilance in home safety doesn't. And if that wasn't enough, Eric is revving up for a new segment focusing on those pesky Homeowners Associations (HOAs) and city governments that sometimes seem to have more power than they should. He shares his plans to investigate local governance that might be overstepping its bounds—particularly in Cannon Beach, Oregon, where city council members seem to be making rules that could hurt homeowners. It's a fascinating peek into the power dynamics at play in our neighborhoods and how they can impact our rights as homeowners. So, whether you're a DIY aficionado or simply someone trying to navigate the wild world of home ownership, this episode is packed with insights and a sprinkle of wit to keep things lively!Takeaways:Gas prices are on the rise due to global oil uncertainties, but don't panic just yet!Eric G discusses the importance of checking smoke and carbon monoxide detectors regularly for safety.Homeowner associations can sometimes overstep their bounds, which Eric plans to explore in future episodes.Over 3.2 million Weber grill brushes have been recalled due to safety hazards, so check your kitchen!As we spring forward, remember to check your home safety devices for a fresh start to the season.Eric shares insights into a local HOA situation, highlighting the need for homeowner awareness and advocacy.Links referenced in this episode:aroundthehouseonline.comcpsc.govyoutube.com/aroundthehouseCompanies mentioned in this episode:Anderson WindowsWeberCPSCThanks for listening to Around the house if you want to hear more please subscribe so you get notified of the latest episode as it posts at https://around-the-house-with-e.captivate.fm/listenIf you want to join the Around the House Insider for access to the back catalog, Exclusive Content and a direct email to Eric G and access to the show early https://around-the-house-with-e.captivate.fm/support We love comments and we would love reviews on how this information has helped you on your house! Thanks for listening! For more information about the show head to https://aroundthehouseonline.com/Information given on the Around the House Show should not be considered construction or design advice for your specific project, nor is it intended to replace consulting at your home or jobsite by a building professional. The views and opinions expressed by those interviewed on the podcast are those of the guests and do not necessarily reflect the views and opinions of the Around the House Show.Mentioned in this episode:Subscribe to the podcast Make sure and Subscribe on your favorite podcast player or the link below! Podcast Subscribe 2026

homestead where you are Stuck Where You Are? Homestead Anyway. | Episode 597 Good morning, this is James from SurvivalPunk.com. Today we're talking about something a lot of you are feeling right now. You want land.You want a homestead.You want chickens, a garden, maybe 40 acres and a creek. But you're in an apartment.Or suburbia.Or stuck in a house you overpaid for. Housing is ridiculous. Rent is ridiculous. Land is ridiculous. So what do you do when you're stuck where you are? You homestead anyway. Stop Wishing You Bought in 2012 There's always that “if only” moment. If only you bought that house in 2012.If only you bought Bitcoin at $8.If only you locked in that 3% mortgage. Here's the truth. Even if you had bought Bitcoin at $8, you probably would've sold it at $100 and felt like a genius. Hindsight makes everything look easy. But it doesn't help you today. What helps you today is controlling spending, increasing income, and stacking cash so you're ready when opportunity shows up. Because deals still happen — but only for people who are ready. Apartment Prepping Is Real Prepping When I first started prepping, I was in an apartment. No balcony. No land. Just walls and limited square footage. You can still do a lot. If you have a balcony, grow something with high return. Don't waste space on novelty crops. Herbs and lettuce mixes are powerful. Sprinkle a lettuce mix in a planter box, cover lightly with soil, water it, and cut what you need for salads. It regrows. High ROI. Easy. Cilantro, if you like it, grows fast and heavy. Zucchini? Great yield. Tomatoes? Honestly… sometimes just buy them. (I've had the worst tomato luck in history.) The point isn't perfection. It's production. Micro-Livestock (Yes, It's a Thing) You're not putting a cow on your balcony. Chickens in an apartment? Probably not realistic. But there are small-scale options. Quail are doable in tight spaces. Eggs and meat from a compact footprint. Rabbits? Possible if managed well. Just don't let the kids name the meat rabbits. Some survivalists even raise meat hamsters. That's not for everyone. I'm not trying to explain that to my daughter anytime soon. But the lesson is this: Constraints don't eliminate options. They force creativity. Suburbia Is Not a Prison If you have even a small yard, you're ahead. You can grow a surprising amount of food on tiny acreage. Look at what micro-homesteaders have done on 1/10th of an acre. Chickens. Vegetables everywhere. Selling surplus. If you're stuck in an HOA? Learn the rules. Push right up to the line. If they push back, remember — there are creative ways to negotiate. Sometimes all it takes is showing that you're willing to be more stubborn than they are. Maximize What You Have Whether it's an apartment, a rental, suburbia, or a house you can't sell without losing money — maximize it. Use vertical storage. Rotate pantry stock. Build skills. Grow what makes sense. Raise what's practical. Increase income. Save aggressively. Because when the right opportunity shows up, you want to move fast. Being stuck doesn't mean being stagnant. It means building quietly. Final Thoughts You don't need 40 acres to start acting like a homesteader. You need discipline. You need creativity. You need to stop waiting for “perfect conditions.” Maximize where you are. Stack cash. Build skills. When the door opens, you'll be ready. This is James from SurvivalPunk.com. DIY to survive. Amazon Item OF The Day House Naturals 5 Gallon Plastic Bucket Pail Food Grade with Blue Screw on Lid(Pack of 3) Made in USA Think this post was worth 20 cents? Consider joining The Survivalpunk Army and get access to exclusive content and discounts! Don't forget to join in on the road to 1k! Help James Survivalpunk Beat Couch Potato Mike to 1k subscribers on Youtube Want To help make sure there is a podcast Each and every week? Join us on Patreon Subscribe to the Survival Punk Survival Podcast. The most electrifying podcast on survival entertainment. Itunes Pandora RSS Spotify Like this post? Consider signing up for my email list here > Subscribe Join Our Exciting Facebook Group and get involved Survival Punk Punk's The post Stuck Where You Are? Homestead Anyway. | Episode 597 appeared first on Survivalpunk.

I went to my first HOA meeting… and I think I time-traveled to 1400.This week on Seven Minutes in Evan, I officially entered my mid-30s villain arc: caring about my community, arguing about fences, and almost getting nominated as HOA president against my will. We audit missing HOA money, cosplay medieval peasants, and somehow end up on Shark Week with Michael Phelps racing a CGI shark for custody of his kids.

WINDERMERE ASK A COACHSeason 9, Episode 7"List Like a Product Manager: The K2 Group's Science of a Great Listing Process"HOSTMichael Fanning SVP & Co-Owner, Windermere CoachingGUESTSKarishma Kiri (kah-RISH-mah KEE-ree) & Dhilip Gopalakrishnan (DHEE-lip go-PAH-lah-KRISH-nan)The K2 Group | Yarrow Bay Office, Kirkland, WA | Former Microsoft leaders | Top 1% in production | 90%+ listing conversion rateEPISODE OVERVIEWKarishma and Dhilip bring a combined 24+ years of Microsoft product management experience to real estate. They've built one of the most systematized listing practices in the Pacific Northwest by asking: what if we treated every home sale like a product launch?KEY TOPICSThe 3 Pillars: Skillset, Toolset & MindsetSkillset and toolset are table stakes accessible to everyone. Mindset is the multiplier, and it determines which skills and tools you pursue in the first place.The Hollywood Movie Launch AnalogyA movie's opening weekend decides blockbuster or flop. Listings work the same way. Days on market kill your leverage the first 3–5 days are everything. Cross every T before you go live.Removing Friction Points• Informational missing inspections, HOA docs, title reports• Experiential lockbox problems, odors, undefined rooms• Cost unknown repair estimates that spook buyersTarget: zero friction by launch day.Preemptive Objection HandlingBefore spending a dime, visualize the home through buyers' eyes. Identify objections early before listing, not after.Delivering Hard Truths"The moment you decide to sell, it's a product and the calculator decides." Acknowledge emotion first, then establish the shift. Channel the market; don't critique the home.The Buyer's Agent as Channel PartnerNot an adversary a distributor. K2 provides a full buyer package: home book, inspection, HOA docs, offer guidance, all in a shared Google Doc. Ease of working with you = buyer confidence = stronger offers.Shifting Cost to ValueAsk sellers: "If the buyer covers their broker fee, what happens to your price?" They get it immediately. Stop being a cost center. Be a value generator.ONE THING TO DO TOMORROW• Karishma: Tell sellers their home is now a product. Acknowledge the memories then make the shift together.• Dhilip: Reframe every commission conversation around value, not cost. Raise their expectations of you."We don't rise to the level of success we fall to the level of our systems." Michael FanningWindermere Coaching | Michael Fanning | fanning@windermere.com"Be awesome and help somebody."

Drop us a line or two . . .Queenie and TT record in the morning like the agile legends they are… despite a little tech lag. They recap a quiet Stink-O-Rama roller skating day, celebrate Chef Son's homemade feast, and spiral (comedically) into the brutal truth of aging, hormones, and the “we're shriveling into dust balls” era. They revisit Tanya's menopause/HRT wisdom, debate psychedelics and microdosing, and share what they're consuming. TT covers a dating poll suggesting cannabis use is more “green flag” than “red flag,” then the ladies play “Woulda, Coulda, Shoulda—Was it Cannabis or Caca?” Finally, the Fuck-It List targets the weird guilt around watching TV during the day—because retirement means you can watch Netflix at 2pm if you damn well please.Episode summary (long)This week, Closet Disco Queen goes full “morning people (temporarily)” with Queenie and TT battling a little lag, a little pixelation, and a lot of midlife honesty. Queenie shares a return to Stick-O-Rama (empty rink = bliss), a big family moment, and the shock of time flying. The conversation turns to the very real physical shift that seems to hit in the early 60s—skin changes, hormone deprivation, and the urgent mission to get “back on the horse” (radiant edition).They reflect on Tanya's candid menopause/sex/HRT conversation and unpack the idea of psychedelics—what microdosing actually means, why the stigma lingers even for cannabis-friendly folks, and whether “if not now, when?” applies here.TT's “Where is it legal?” segment brings a positive story: a dating poll where marijuana use reads more green flag than red flag (while cigarettes and riskier drugs are bigger turnoffs). Then it's game time: Mitch McConnell frolicking in hemp (real) vs. an HOA hemp-rope freakout (sadly, caca).The episode wraps with the Fuck-It List: ditching the unwritten rule that daytime TV is “bad” unless you're sick—because retirement means your stories are back on the menu.midlife cannabis podcastmenopause and cannabis conversationHRT and estrogen misinformationcannabis legalization “where is it legal”cannabis and dating poll green flagmicrodosing psychedelics midlife discussionfunny menopause podcast episode Welcome to the Closet Disco Queen Pot-Cast, a #1 ranked Women in Cannabis (Feedspot, Million Pods; 2025) comedy podcast with music and pop culture references that keeps you laughing and engaged. Join our hosts, Queenie & TT as they share humorous anecdotes about daily life, offering women's perspectives on lifestyle and wellness. We dive into funny cannabis conversations and stories, creating an entertaining space where nothing is off-limits. Each episode features entertaining discussions on pop culture trends, as we discuss music, culture, and cannabis in a light-hearted and inclusive manner. Tune in for a delightful blend of humor, insight, and relatable stories that celebrate life's quirks and pleasures. Our Closet Disco Queen Pot-Cast deals with legal adult cannabis use and is intended for entertainment purposes only for those 21 and olderVisit our Closet Disco Queen Pot-Cast merch store!Find us on Facebook and Green Coast RadioSound from Zapsplat.com, https://quicksounds.com, 101soundboards.com #ToneTransfer

What do you do when your parents have 40 years of stuff in a 4,000 square foot house and they need to move to a 1,200 square foot assisted living apartment? Most families are paralyzed by this question—and Ernise Beckel has spent her career solving it.Ernise is a registered nurse with 20 years of experience who kept walking into seniors' homes and seeing the same problem: people discharged from hospitals into houses filled with clutter, creating fall hazards and overwhelming situations that nobody was addressing. Now she co-owns Caring Transitions of Eden Prairie with her mom, serving families throughout Carver County and the southwest metro.In this conversation, we get into the actual mechanics of how this works:THE PROCESS• Free consultation: 30-60 minutes, includes walkthrough and density assessment• They measure the new space and tell you exactly what will fit• SOD method: Sort, Organize, Donate, Dispose• They photograph everything and recreate familiar arrangements in the new homeWHERE THE STUFF GOES• CT Bids online auction platform reaches 300,000+ registered shoppers nationwide• About 75% of household items can be sold• Revenue split: 65% to homeowner, 35% to Caring Transitions• Items ship nationwide—not limited to local buyers like estate salesTIMELINE & PRICING• Full liquidation (selling everything): 3-4 weeks• Cleanout only (donate/dispose): approximately 1 week• Cost: $3-5 per square foot depending on density• Recommended lead time: call at least one month before you need completionWHY IT'S DIFFERENT FROM ESTATE SALES• No strangers walking through your house• No cars parked on curbs (HOA friendly)• Online bidding reaches national market• They handle ALL remaining items—nothing left behind• Items are shipped to buyers, not picked up on-siteTHE EMOTIONAL SIDEErnise talks about why she insists on meeting mom (not just the adult children), how to handle situations when the senior doesn't want to move, and why patience is essential. Her nursing background shapes everything about how she approaches these transitions.PRACTICAL ADVICEFor families avoiding the conversation: bring it up when multiple family members are present (holidays can work), focus on benefits like being closer to family or having built-in social connections, and give them time to process—this usually takes months, not days.SERVICE AREA: Eden Prairie, Chanhassen, Chaska, Waconia, Victoria, and surrounding Carver County communitiesCONNECT WITH CARING TRANSITIONS: Website: caringtransitions.comABOUT THE HOST: Greg Anderson has been selling real estate in Carver County since 1985 with over 3,000 homes sold. Living IN Carver County is his podcast connecting friends and building community through conversations with local business owners, nonprofit leaders, elected officials, and community members.Substack: HelloIamGregAnderson.substack.comLinkedIn: linkedin.com/in/gregoryranderson

Welcome to another episode of The AZREIA Show! This episode, Mike Del Prete hosts solo with special guest Sabrina Smai, a former AI engineer and data scientist turned real estate investor. Sabrina shares her journey from building tech solutions and ethical hacking at the University of Toronto to finding financial freedom through house hacking and ADU development in Seattle. Learn how she scaled from a duplex to 20+ units, used creative strategies like condo-ing ADUs to increase appraisals, and navigated density constraints. Mike and Sabrina also discuss how Phoenix and Arizona are evolving, including city-specific ADU rules, HOA considerations, and the 2026 middle housing law (HB 2721). They also touch on AI's impact on jobs, option contracts, and positioning yourself today for tomorrow's opportunities. Whether you're investing, developing, or just curious about creative strategies, this episode is packed with insights for building wealth in real estate. 01:06 Sabrina AI Career Origins 01:46 Elite AI Consulting Projects 02:44 Ethical Hacking Backstory 03:48 Car Accident Turning Point 04:47 First House Hack to Wealth 06:11 Leaving Tech and AI Outlook 10:15 Cash Flow Strategies Today 11:14 ADU Basics Explained 12:42 Phoenix vs Seattle ADU Rules 16:00 Best Lots for ADU Builds 17:14 Condo Splits and Value Boost 18:04 Privacy vs Density 18:33 Seattle ADU Lot Strategy 20:01 Who Buys ADUs 20:53 Arizona Markets to Watch 23:48 HB2721 Middle Housing 25:30 Wait for Condo Splits 27:56 Options and Creative Control 30:13 Where to Build Next 31:25 Final Advice and Wrap -- Contact Alden of Silver Crest Opportunity Fund at http://silvercrestopportunityfund.com "AZREIA does not endorse specific investments. Please do your own due diligence." Want to grow your real estate business?

On today's MJ Morning Show:Fester has breaking news from McDonald'sStrawberry Festival opens todayMorons in the newsGuy hides from police in trash canDon't try to light bugs on fireCar crash while doing whippets... and then while being rescuedUniversal Epic ride came to hard stop, two hurt and suingNew parenting term: Lawnmower parentsMJ had pasta argument with Julian... We took calls about the WORST pasta.Ever wanted to disappear? We took calls.New Britney Spears videoHow often should you change out your underwear?What happened to 'Dear Flabby'?MJ IG videoRock & Roll Hall of Fame 2026 nomineesWoman hunted down guy online...New relationship term: Gaslighting + GhostingEpstein connections... Bill Gates, Stephen HawkingGuy in trouble for feeing Buzzball to a hawkWaymo vehiclesFacebook Marketplace deal gone wrong in OrlandoWorst HOA? HOA is considering bulletproof glass at meetingsGuthrie updateSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Beside a great panic button having us talking about HOA rules, and a 2ND Date Update about being a parent and spy at the same time, we got to Carly Pearce having a personal shrine and what your biggest accomplishment is on display in your home

VOV1 - Phát biểu tại cuộc gặp Thủ tướng Đức Friedrich Merz tại Bắc Kinh, Chủ tịch Trung Quốc Tập Cận Bình đã đưa ra 3 đề xuất nhằm thúc đẩy quan hệ hai nước phát triển hơn nữa.Chủ tịch Tập Cận Bình nhận định tình hình quốc tế hiện nay đang trải qua những biến đổi sâu sắc nhất kể từ sau Thế chiến II, nhấn mạnh “thế giới càng biến động và hỗn loạn đan xen, Trung Quốc và Đức càng cần tăng cường trao đổi chiến lược, nâng cao lòng tin chiến lược lẫn nhau và thúc đẩy quan hệ đối tác chiến lược toàn diện Trung-Đức liên tục có những bước phát triển mới”.Ông đã đưa ra 3 đề xuất nhằm phát triển hơn nữa quan hệ song phương, bao gồm hai nước nên là những đối tác đáng tin cậy ủng hộ lẫn nhau, đối tác đổi mới cởi mở và cùng có lợi, đối tác nhân văn hiểu biết lẫn nhau và thân thiện với nhau.Trong vấn đề Ukraine, ông nêu rõ lập trường của Trung Quốc, cho rằng tìm kiếm giải pháp thông qua đối thoại và đàm phán là chìa khóa giải quyết vấn đề.Chủ tịch Trung Quốc Tập Cận Bình và Thủ tướng Đức Friedrich Merz tại Bắc Kinh ngày 25/2. Ảnh: Tân Hoa xã

This is the year of the crack. HOA fees. Circle K has filed a lawsuit against an employee who tried to claim a winning lottery ticket.

Duji believes the feet are portals to your body. JLR's colonoscopy is scheduled. Are you the father? Would Rover be happy for Duji if she had a boyfriend? Rachel in sales doesn't believe Rover is obsessed with Duji. Rover believes most actors are gay. The soundtrack of the doom scroll generation. Looks maxxing. Video shows a man's hat and wig being removed. Hatfsihing. Gen Z wants to embrace physical media instead of streaming. Transgender sex worker was arrested after an altercation with a man. Police drones. Who wouldn't Charlie have sex with? This is the year of the crack. HOA fees. Circle K has filed a lawsuit against an employee who tried to claim a winning lottery ticket.

Duji believes the feet are portals to your body. JLR's colonoscopy is scheduled. Are you the father? Would Rover be happy for Duji if she had a boyfriend? Rachel in sales doesn't believe Rover is obsessed with Duji. Rover believes most actors are gay. The soundtrack of the doom scroll generation. Looks maxxing. Video shows a man's hat and wig being removed. Hatfsihing. Gen Z wants to embrace physical media instead of streaming. Transgender sex worker was arrested after an altercation with a man. Police drones. Who wouldn't Charlie have sex with? This is the year of the crack. HOA fees. Circle K has filed a lawsuit against an employee who tried to claim a winning lottery ticket. See omnystudio.com/listener for privacy information.

This is the year of the crack. HOA fees. Circle K has filed a lawsuit against an employee who tried to claim a winning lottery ticket.See omnystudio.com/listener for privacy information.

VOV1 - Người tiêu dùng Trung Quốc đã đổ xô đi mua vàng trong kỳ nghỉ Tết Nguyên đán kéo dài 9 ngày từ 15 đến 23/2, phục vụ các nhu cầu như cưới hỏi, quà tặng hay đầu tư. Khách hàng lựa chọn trang sức vàng tại một cửa hàng vàng ở Hàng Châu, tỉnh Chiết Giang, miền Đông Trung Quốc ( Ảnh: Tân Hoa xã)

Nothing says suburban bliss like little neon flags sprouting up across your lawn like a government-sponsored Easter egg hunt. In today's comedy podcast, Rizz spirals (respectfully) over fiber optic lines being marked directly through his beloved Japanese maple, and we ask the real question: do you get a discount if they destroy your yard… or just emotional damage?Things escalate when we break down the now-viral fistfight between fiber optic contractors in Forestell. That's right — two grown men, in high-vis vests, settling a “you're lazy” dispute with haymakers in the middle of a neighborhood already dealing with torn-up lawns and brown faucet water. Is it professional? No. Is it peak blue-collar conflict resolution? Absolutely. And yes, we debate whether they grabbed beers together after.From there, we pivot (hard) into Mr. Clean announcing his retirement after 68 spotless years. Is he headed to Boca? Fire Island? Is this just a marketing stunt? We investigate like the responsible adults we are.Then it's HBO's “Neighbors” — the show that makes you question humanity and your HOA. We break down the most unhinged characters, including doomsday preppers, beach tyrants, cat hoarders, and a man who casually threatens murder before inviting people to a barbecue. It's everything you love about suburban drama without actually having to move.In Crap on Celebrities, we unpack the wild moment at the BAFTAs involving Tourette's, Michael B. Jordan, and a headline nobody saw coming. We also talk Wiz Khalifa's birthday “tradition,” Snooki's health update, and why Leonardo DiCaprio is slowly morphing into Jack Nicholson in real time.It's lawn drama. It's celebrity chaos. It's suburban anxiety with microphones. This daily comedy show continues to prove that no topic is too small — especially if it involves Kentucky bluegrass and potential property destruction.If you love a loud, unfiltered, slightly unhinged comedy podcast that covers weird news, celebrity fails, neighborhood wars, and the kind of conversations that should probably stay off HOA Facebook pages… welcome home.This comedy podcast proudly serves St. Louis and beyond with daily humor, pop culture commentary, and the occasional emotional breakdown over landscaping.Follow The Rizzuto Show → https://linktr.ee/rizzshow for more from your favorite daily comedy show.Connect with The Rizzuto Show Comedy Podcast online → https://1057thepoint.com/RizzShowHear 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.

Michael Fanning sits down with Scott Steadman, broker of the Draper, Utah office, to discuss sustainable growth through hyper-local farming, community engagement, and consistent direct mail strategies that build lasting client relationships.Scott Steadman has been in real estate since 2011 (15 years) and serves as broker for Windermere's Draper office in Salt Lake City. He farms approximately 1,700 homes in his community and sent nearly 20,000 pieces of direct mail last year.Creating deeper connections by focusing on a specific communityBuilding relationships beyond transactions being a neighbor first, agent secondThe importance of living in or deeply connecting with your farm areaLack of consistency: Giving up too quickly; wanting instant gratificationNo strategic plan: Missing a clear budget, timeframe, and business planIrrelevant content: Sending generic materials instead of market-specific messagingScott sent 20,000+ pieces last year because it works:Builds consistency and familiarity over timeCreates trust through repeated visibilityGenerates expectations from clients about your marketing systemActual Examples from Scott:Virtual pizza party during COVID (100+ pizzas delivered)"Poo Party" dog park cleanupNeighborhood trail cleanupCreating a Little Free Library (current project)Working directly with HOA on community initiativesDirect Mail: Systematic, relevant content on a consistent scheduleDigital/Social: Facebook groups, Nextdoor, email campaigns with community newsFace-to-Face: HOA involvement, neighborhood events, being visible in the communityBuy back your time: Hire for tasks you shouldn't be doingDelegate effectively: Lean on company resources and administrative supportFocus on fundamentals: Consistency over intensity wins every timeScott credits Ninja Selling and the Windermere Way for providing a framework that works in any market. Key principle: Hold people capable, not accountable while building their skillset through repetition and improvement.Stack your wins: Start small attend a coaching call, implement one action item, then build from there. Small wins compound into massive results."Consistency over intensity wins every time"Be a neighbor first, real estate agent secondPeople remember how you made them feelYou can't do everything delegate what you're not good atThe more you show up for your community, the more they'll show up for youSocial Media: @ScottSteadmanUtahBook: Ninja SellingBook: Buy Back Your Time by Dan MartellWindermere Path Calls: Every Thursday at 10am PTListing Leads "Five Mile Famous" campaign (upcoming)Windermere Coaching: Visit windermecoaching.com to learn more about coaching opportunities."Be awesome and help somebody."

Bảo tàng đầu tiên ở New South Wales dành riêng cho lịch sử người Hoa ở Úc đã khai trương tại trung tâm Chinatown của Sydney. Bảo tàng Người Hoa tại Úc (MOCA) trình bày những câu chuyện về một số nhóm người nhập cư sớm nhất của đất nước – lưu giữ lịch sử và văn hóa của cộng đồng người Hoa tại Úc.

VOV1 - Chỉ vài giờ sau khi Tòa án Tối cao Mỹ cuối tuần qua ra phán quyết lịch sử bác bỏ các mức thuế quan chủ chốt của chính quyền, Tổng thống Donald Trump đã lập tức có động thái đáp trả bằng việc công bố tạm áp thêm mức thuế toàn cầu 10%.Quyết định này đánh dấu bước đi mạnh mẽ mới trong chính sách thương mại của chính quyền Tổng thống Trump, mở rộng phạm vi áp thuế theo hướng bao trùm thay vì nhắm vào từng quốc gia hoặc ngành hàng cụ thể như trước đây.Việc Tổng thống Mỹ Donald Trump có động thái đáp trả ngay lập tức cũng cho thấy dù "bức tường bảo hộ" của Mỹ đang gặp rào cản pháp lý lớn, ông Trump vẫn quyết tâm duy trì công cụ thuế quan, mở ra một giai đoạn bất định mới cho thương mại toàn cầu. Để có cái nhìn rõ hơn về những diễn biến mới trong chính sách thuế quan của Mỹ, ngay sau đây, biên tập viên Quỳnh Hoa có cuộc trao đổi với phóng viên Quang Trung, thường trú Đài Tiếng nói Việt Nam tại Mỹ.Tổng thống Mỹ Donald Trump. Ảnh: Politico.

S6:E16 If you keep hearing about the short-term rental tax loophole but it feels confusing, this episode makes it easy-peasy to understand. We unpack how 100% bonus depreciation can create big paper losses that may offset active income when structured correctly. Loralyn Mears, PhD, aka "Dr. LL," brings you thoughtful conversations with entrepreneurs and small business leaders navigating visibility, leadership, and growth. Thank you for being here. Overview A lot of smart, high-earning people are trying to "do the right thing" financially, but they are quietly stuck in analysis paralysis, platform dependence, or bad assumptions about what's actually possible. This episode sits inside that tension: you want real assets and real leverage, but you also want clarity, guardrails, and a plan that does not take over your life. That's the difference between buying a property and building an asset that actually performs.

S6:E16 If you keep hearing about the short-term rental tax loophole but it feels confusing, this episode makes it easy-peasy to understand. We unpack how 100% bonus depreciation can create big paper losses that may offset active income when structured correctly. Loralyn Mears, PhD, aka "Dr. LL," brings you thoughtful conversations with entrepreneurs and small business leaders navigating visibility, leadership, and growth. Thank you for being here. Overview A lot of smart, high-earning people are trying to "do the right thing" financially, but they are quietly stuck in analysis paralysis, platform dependence, or bad assumptions about what's actually possible. This episode sits inside that tension: you want real assets and real leverage, but you also want clarity, guardrails, and a plan that does not take over your life. That's the difference between buying a property and building an asset that actually performs.

SummaryIn this episode of The New Fangled Lawyer Podcast, Patrick Patino interviews Zack Port, a fellow attorney who has taken a unique approach to law practice by embracing mentorship and technology. They discuss the evolving role of lawyers in serving everyday people, the importance of building strong client relationships, and the balance between personal life and work. Zack shares his journey from law school to running a boutique personal injury firm, emphasizing the significance of storytelling and community engagement in legal practice. The conversation also touches on the challenges of navigating change in the legal field and the importance of maintaining a holistic identity as a lawyer.About ZackZack Port is a Minnesota personal injury attorney and co-founder of Betz & Port, which he started in 2022 with his partner Jim Betz. He helps people navigate the confusing and painfulaftermath of serious car crashes, with a particular focus on collision and trucking cases. Zack is active in the Minnesota Association for Justice, where he serves as Publications andCommunications Chair, and is also involved with the the American Academy of Trucking Attorneys. Outside of work, Zack is a girl dad, reluctant HOA president, and the worst bass player at his church. He enjoys abnormally long board games and reading science fiction.https://www.linkedin.com/in/zachary-port/, https://betzandport.com/zachary-port/, https://www.instagram.com/thelawport/TakeawaysZack Port emphasizes the importance of mentorship in law.The traditional mentor-mentee dynamic can be reversed.Building relationships with clients is crucial for success.Personal injury law allows for meaningful connections with clients.Technology can enhance law practice but should be used wisely.Choosing a simpler lifestyle can lead to greater focus.Client referrals are vital in building a practice.Defining an ideal client helps in targeting the right audience.Work-life balance is essential for avoiding burnout.Storytelling is a key skill for effective litigation.

Phúc trình mang tính chất toàn quốc đầu tiên, về nạn phân biệt chủng tộc tại các trường đại học ở Úc đã chỉ ra rằng, đây là một vấn đề phổ biến và mang tính hệ thống. Báo cáo cho thấy, 70% sinh viên và nhân viên từ 42 trường đại học, đã chứng kiến nạn phân biệt chủng tộc. Mức độ phân biệt chủng tộc cao hơn ở sinh viên và nhân viên người bản địa, người Hoa, người gốc Phi, người Do Thái và người Trung Đông, trong đó chỉ có 6% những người từng trải qua nạn phân biệt chủng tộc khiếu nại.

In this episode of The Co-Living Show, Craig Curelop and Miller McSwain sit down with Caitlyn Verdugo — aka Co-Living Cait — an Atlanta-based co-living agent, investor, operator, capital raiser, and coach who's been in the space since the early PadSplit days.Atlanta is one of the most mature co-living ecosystems in the U.S., and Caitlyn has seen the model evolve from “rent-by-the-room” experiments into a real operating business. She shares what she's learned from acquiring and running co-living homes, how she approaches conversions (including garage builds), and why she intentionally designs each house to feel like a home — not a template.This conversation is packed with operator-level nuance: screening beyond platform checks, searching local eviction records, managing resident conflict without becoming a mediator, and how to build systems that protect your time while improving resident experience.In This Episode, We Cover:Caitlyn's origin story: real estate agent → house hacker → co-living operatorHow she used her real estate commission creatively to reduce money needed to buyWhy Atlanta's market maturity makes PadSplit a major factor in marketing + leasingLessons from her first co-living conversion (capital gaps, holding costs, and what she'd do differently)What she looks for in co-living properties: layouts, vintage builds, no HOA, conversion potentialGarage conversions: HVAC strategies, insulation, code risks, and payback vs. “ROI” framingHer signature approach: naming houses + themed rooms to enhance resident experienceThe screening stack: forms, interviews, and why she checks eviction records manuallyHow she prevents resident conflict with boundaries, addendums, and expectationsHandling tenant-landlord conflict fast (and why respect is non-negotiable)Women in co-living: safety realities, contractor dynamics, and solving problems differentlyBuilding She Leads Co-Living / Wealth By The Room to support women operatorsHow to find operators in your market (Facebook groups, meetups, and “search within groups” strategy)The Big 3: a tenant horror story, her first house rule, and her most valuable operating systemFollow the HostsMiller McSwain: www.instagram.com/millermcswain Craig Curelop: www.instagram.com/craigcurelopJoin our FREE Community: www.millermcswain.com/communityGuest: Caitlyn “CoLiving Cait” VerdugoFind her as CoLiving Cait across social platforms and check out her community:She Leads Co-Living (women-focused events + network)Wealth By The Room (education + coaching series)Instagram: www.instagram.com/colivingcait

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

If you had to lose the paperwork and keep only one habit to grow your business this year would it be answering the phone or following up? In this episode of the Real Estate Excellence Podcast, Tracy Hayes sits down with Tina Priest. Tina shares how her service first mindset shaped her path into real estate through military life social work and operational leadership. She explains why Hover Girl Properties focuses on boundaries transparency and real relationships so clients feel seen not processed, especially when timelines are tight and emotions are high. You will hear practical habits that helped Tina exceed her goal in 2025 including answering unknown calls working weekends when it matters and using Zoom consults to build trust fast with out of town buyers. She also breaks down why follow up creates raving fans, why a transaction coordinator protects your energy, and why the job often continues after closing for military clients who have not even arrived yet. Subscribe to the Real Estate Excellence Podcast and share this episode with one agent who needs a simple playbook for relationships follow up and serving military clients well!   Highlights 00:00 - 04:03 Big goals without losing the relationship •        2025 results and 2026 pressure •        Next person up mindset •        Quality over quantity •        Boundaries and team support •        Staying present with each client 04:03 - 09:50 From service work to real estate calling •        Why operations management mattered •        Case work lessons and emotional weight •        Military life and moving often •        First connection to Hover Girls •        Choosing the right season to start 09:50 - 23:58 Property management training ground •        What property management taught fast •        Setting expectations with owners and tenants •        Vendor relationships and real costs •        Culture of care and fixing mistakes •        Getting licensed and launching with support 23:58 - 35:13 Trust building on Zoom and in person •        Ride along learning with Joy and Laura •        Staying organized through the process •        Zoom consults as relationship accelerators •        Military clients and straight talk communication •        Listening for details that drive loyalty 35:13 - 01:00:02 Habits that keep the pipeline moving •        Put the sign out and answer the phone •        Show up weekends when needed •        Follow up systems and simple touches •        Serving military clients with extra care •        Video walkthrough tips and VA realities 01:00:02 - 01:20:00 Stories, curveballs, and wow moments •        Creepy showing and keeping a straight face •        When there is no training and you pivot •        HOA chaos and closing anyway •        Doing the unglamorous work to wow clients •        Negotiation mindset and closing thoughts   Quotes: "People dont care how much you know until they know how much you care."  – Tina Priest "I try not to get too focused on like the big numbers but just the person thats coming next."  – Tina Priest "I think its being transparent out of the gate."  – Tina Priest "Were not done yet."  – Tina Priest   To contact Tina Priest, learn more about her business, and make her a part of your network, make sure to follow her Website, Instagram, Facebook, and LinkedIn.   Connect with Tina Priest! Website: https://hovergirlproperties.com/ Instagram: https://www.instagram.com/hovergirltina/ Facebook: https://www.facebook.com/TinaPriest01/ LinkedIn: https://www.linkedin.com/in/tina-priest-55430b44/   Connect with me! Website: toprealtorjacksonville.com   Website: toprealtorstaugustine.com    SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best.   #RealEstateExcellence #RealEstate #RealEstateAgent #MilitaryMoves #MilitaryRelocation #NavyLife #JacksonvilleRealEstate #Mayport #VAHomeLoan #PropertyManagement #ClientExperience #CustomerCare #RelationshipMarketing #FollowUp #RavingFans #TransactionCoordinator #ZoomConsultation #NewConstruction #HomeBuying #HomeSelling #RealEstateExcellence

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

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

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

Want to quit your job and build a real land investing business? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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

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

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

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

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

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