Podcasts about home buying

Dan Ahlstrand and Clinton Wilkins discuss how The Bank of Canada has kept its key overnight rate steady, which has no immediate impact on variable rate mortgages.

Send us Fan MailThree days to “do inspections” sounds decisive until you realize most of the answers you want come from labs and state rules, not from wishful thinking. We dig into what's changed in real estate contracts as inspection contingencies shrink and why buyers are getting blindsided when they try to stack mold testing, VOC testing, well water testing, and radon testing into a tiny deadline.We walk through real-world turnaround times: how mold results depend on shipping and lab processing, why VOC test results can take days (or longer depending on the method), and why well water tests require culture time that simply cannot be rushed. Then we get specific about radon in Ohio: the state-mandated 48 hours of continuous radon data and how something as basic as open windows can add delays that push you past your contingency period.The bigger issue is decision-making. A shorter inspection window can make an offer look stronger, but it can also strip you of the very information that protects your budget and your health. If you have asthma, immune suppression, chemo or transplant concerns, or you simply want confidence about indoor air quality, you need enough time to get meaningful data back. We also talk candidly about where communication breaks down between agents and buyers and why reading what you sign matters more than ever.If this helps you, subscribe for more practical home inspection guidance, share the episode with a first-time buyer, and leave a review. What's the one test you refuse to skip when buying a home?Support the showTo learn more about Habitation Investigation, the Three-time Winner of the Best Home Inspection Company in the Midwest Plus the Winner of Consumer Choice Award for Columbus Ohio visit Home Inspection Columbus Ohio - Habitation Investigation (homeinspectionsinohio.com) NBC4 news segments: The importance of home inspections, and what to look for | NBC4 WCMH-TVAdvice from experts: Don't skip the home inspection | NBC4 WCMH-TVOSU student's mysterious symptoms end up tied to apartment's air quality | NBC4 WCMH-TVHow to save money by winterizing your home | NBC4 WCMH-TVContinuing Education for Ohio Agents Scheduled classes Continuing Education for Ohio Agents Course listings...

Dan Ahlstrand and Clinton Wilkins discuss the impact of weather and market uncertainty on the real estate market, noting a softer-than-anticipated spring season.

Karen & Janet open with Home Buying and Rental Opportunities throughout Ventura County.  Their first guest is Derek Contreras from Smart Home Mortgage. Derek talks about how world events and employment reports affect rates and how you can educate yourself to find the best opportunities for purchase in Ventura County.  Derek and his team work to find you the mortgage or refi that fits your needs.  Up next is Lori Beth Gregory Beck of The Museum of Ventura County, Lori highlights 2 big events at The Museum, "Parallel History" and "Patriotic Threads".  The Museum covers historical events throughout the county and has free admission for June. Listen in to find out what else is happening at the museum and in Ventura County with Karen & Janet! 

This week on Your Real Estate Life, host Michael Harris discusses how today's housing market is shifting from price-focused decisions to payment-focused strategies as consumers navigate affordability pressures, elevated mortgage rates, inflation concerns, and changing market dynamics. The program reviews the economic calendar for the week of June 8, 2026, including key inflation and employment reports that could impact mortgage rates and consumer confidence. Michael also explores practical financing solutions including HELOCs for homeowners seeking equity access, reverse mortgage strategies for retirement flexibility, and DSCR investor loans designed for real estate investors and self-employed borrowers looking for alternative qualification options. Join Michael Harris, Mortgage Loan Originator #233410 with United Mortgage Corporation of America, on Your Real Estate Life airing on Fox Sports Ventura 1590 AM & 97.9 FM KVTA and streaming on YouTube at Your Real Estate Life with Michael Harris. Call 888-543-3980 for personalized mortgage and financial strategy guidance.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Todd Kroupa A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist. The conversation walks through: His transition from the fire service to real estate Opening and managing a 400‑agent office in Florida Relocating to Georgia and re-establishing his business How he advises both first-time homebuyers and experienced sellers Emotional decision-making in buying and selling Inspections, deal-breakers, and buyer/seller behavior Multi-generational housing trends post‑COVID Why real estate remains a wealth-building tool Advice for navigating neighborhoods, schools, and due diligence His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025) Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal. Purpose of the Interview The purpose of Todd Kroupa’s appearance is to: Share a motivational career-change story — moving from firefighter to top real estate agent. Educate listeners on the real estate process — including buying, selling, inspections, and market strategy. Give practical tips for first-time homebuyers, families, and multi-generational households. Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls. Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients. Key Takeaways 1. Career Transition & Motivation Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002. Real estate appealed to him because it allowed him to continue helping people without the physical strain. He built and managed a 400-agent office before returning to working directly with clients — his true passion. 2. Balancing Firefighting and Real Estate He often worked both jobs full-time, with limited days off. Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife. 3. Buyer Advice Buyers make decisions emotionally first, then logically. Within the first 3–5 minutes in a home, buyers often know if they like it. Lighting, paint color, home condition, and layout heavily influence emotional response. First-time buyers need extra guidance — like “teaching someone to drive for the first time.” 4. Seller Advice Selling isn’t just about market timing — presentation matters. Neutral paint colors and bright white lighting help increase buyer appeal. Every showing is won or lost in the first few minutes. 5. Inspections Matter — and Are Deal Breakers Top inspection walk‑aways: Mold Foundation issues Roof problemsTodd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.” 6. Emotion vs. Logic Many buyers get emotionally attached and ignore red flags. Todd’s rule: commissions should never drive decisions. 7. Multi-Generational Living Is Rising Driven by COVID, high child-care costs, rising home prices. Families are choosing: ADUs (Accessory Dwelling Units) “In-law suites” Larger family compounds 8. Real Estate as a Wealth Builder Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset. Tax advantages like 1031 exchanges and mortgage deductions compound long-term value. 9. Don’t Buy the Most Expensive House in the Neighborhood Surrounding homes cap your resale value. You may have to wait years for nearby homes to “catch up.” 10. Neighborhood Due Diligence Realtors must avoid discrimination (Fair Housing Act). Buyers should: Visit neighborhoods at night and on weekends Speak with neighbors Review school ratings and county resources Notable Quotes (from the transcript) Career & Purpose “I love helping people. That’s why I became a fireman. Real estate was another way to help people.” “I wasn’t quite sure I wanted to manage long term… my heart was with clients.” Ethics & Commission “Commissions should never be above the people.” “If you’re focused on commissions, you need to pick a different industry.” Emotions in Home Buying “Buyers think they’re looking logically, but they’re looking emotionally first.” “Within the first 3–5 minutes, they already know if they like the home.” Inspections “If you’re not comfortable with the property now, you won’t be comfortable after you close.” Neighborhood Choice “Focus on the house, but look at the neighborhood — you can’t change your neighbors.” Wealth Building “With stocks you can’t control it, improve it, or live in it. With a home, you can.” Success & Determination “Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Todd Kroupa A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist. The conversation walks through: His transition from the fire service to real estate Opening and managing a 400‑agent office in Florida Relocating to Georgia and re-establishing his business How he advises both first-time homebuyers and experienced sellers Emotional decision-making in buying and selling Inspections, deal-breakers, and buyer/seller behavior Multi-generational housing trends post‑COVID Why real estate remains a wealth-building tool Advice for navigating neighborhoods, schools, and due diligence His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025) Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal. Purpose of the Interview The purpose of Todd Kroupa’s appearance is to: Share a motivational career-change story — moving from firefighter to top real estate agent. Educate listeners on the real estate process — including buying, selling, inspections, and market strategy. Give practical tips for first-time homebuyers, families, and multi-generational households. Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls. Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients. Key Takeaways 1. Career Transition & Motivation Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002. Real estate appealed to him because it allowed him to continue helping people without the physical strain. He built and managed a 400-agent office before returning to working directly with clients — his true passion. 2. Balancing Firefighting and Real Estate He often worked both jobs full-time, with limited days off. Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife. 3. Buyer Advice Buyers make decisions emotionally first, then logically. Within the first 3–5 minutes in a home, buyers often know if they like it. Lighting, paint color, home condition, and layout heavily influence emotional response. First-time buyers need extra guidance — like “teaching someone to drive for the first time.” 4. Seller Advice Selling isn’t just about market timing — presentation matters. Neutral paint colors and bright white lighting help increase buyer appeal. Every showing is won or lost in the first few minutes. 5. Inspections Matter — and Are Deal Breakers Top inspection walk‑aways: Mold Foundation issues Roof problemsTodd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.” 6. Emotion vs. Logic Many buyers get emotionally attached and ignore red flags. Todd’s rule: commissions should never drive decisions. 7. Multi-Generational Living Is Rising Driven by COVID, high child-care costs, rising home prices. Families are choosing: ADUs (Accessory Dwelling Units) “In-law suites” Larger family compounds 8. Real Estate as a Wealth Builder Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset. Tax advantages like 1031 exchanges and mortgage deductions compound long-term value. 9. Don’t Buy the Most Expensive House in the Neighborhood Surrounding homes cap your resale value. You may have to wait years for nearby homes to “catch up.” 10. Neighborhood Due Diligence Realtors must avoid discrimination (Fair Housing Act). Buyers should: Visit neighborhoods at night and on weekends Speak with neighbors Review school ratings and county resources Notable Quotes (from the transcript) Career & Purpose “I love helping people. That’s why I became a fireman. Real estate was another way to help people.” “I wasn’t quite sure I wanted to manage long term… my heart was with clients.” Ethics & Commission “Commissions should never be above the people.” “If you’re focused on commissions, you need to pick a different industry.” Emotions in Home Buying “Buyers think they’re looking logically, but they’re looking emotionally first.” “Within the first 3–5 minutes, they already know if they like the home.” Inspections “If you’re not comfortable with the property now, you won’t be comfortable after you close.” Neighborhood Choice “Focus on the house, but look at the neighborhood — you can’t change your neighbors.” Wealth Building “With stocks you can’t control it, improve it, or live in it. With a home, you can.” Success & Determination “Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Send us Fan MailA builder tells a buyer, straight up, that if an inspection finds something that isn't a code violation, they probably won't fix it. That message sounds confident, but to us it signals the opposite: a commitment to the bare minimum, not to quality, durability, or customer care. We unpack why “meets code” is not the same as “built well,” and why hiring an independent home inspector on a new build is still one of the best ways to protect yourself.We dig into what a pre-drywall inspection can reveal before the walls hide everything, from damaged trusses and compromised framing to the kinds of trade shortcuts that can turn into sagging floors and cracking finishes a year later. We also talk about the stuff that's easy to dismiss but hard to fix later: “temporary” decks that end up permanent, missing flashing, wood too close to soil, and grading that invites water toward the house. Even when a builder won't repair every item, awareness gives you leverage: you can negotiate, document, plan maintenance, or decide to walk away.Then we get practical about buyer pressure and paperwork. If a contract tries to waive inspection rights, or a builder won't allow you on site, won't allow testing, or insists you sign before you verify conditions, we explain why that's a serious red flag. We also cover a common new construction headache: attic ventilation that technically hits a ratio but still runs dangerously hot, creating condensation and mold, plus a key warranty tip so you don't accidentally void coverage by fixing the wrong thing at the wrong time.If you're buying new construction, share this with a friend who's under contract, subscribe for more home inspection advice, and leave a review with the biggest red flag you've seen from a builder.Support the showTo learn more about Habitation Investigation, the Three-time Winner of the Best Home Inspection Company in the Midwest Plus the Winner of Consumer Choice Award for Columbus Ohio visit Home Inspection Columbus Ohio - Habitation Investigation (homeinspectionsinohio.com) NBC4 news segments: The importance of home inspections, and what to look for | NBC4 WCMH-TVAdvice from experts: Don't skip the home inspection | NBC4 WCMH-TVOSU student's mysterious symptoms end up tied to apartment's air quality | NBC4 WCMH-TVHow to save money by winterizing your home | NBC4 WCMH-TVContinuing Education for Ohio Agents Scheduled classes Continuing Education for Ohio Agents Course listings...

Follow Kezia on X: https://x.com/kezia_noble?s=21Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

Today's episode includes a discussion on the various mergers and acquisitions we are seeing around the mortgage and real estate industries. Plus, Robbie sits down for an interview with TD Bank's Scott Lindner on the shift in how first-time buyers are approaching homeownership, as affordability challenges continue to reshape expectations, timelines and financial preparation. The episode closes with a look ahead to how Federal Reserve Chair Warsh may reshape the central bank in his image.Thank you to Experian Verify, a comprehensive income and employment verification solution for mortgage lenders. By uniting instant payroll data, permissioned access, and research verification in one seamless experience, Experian Verify helps lenders reduce friction, accelerate decisions, and confidently verify every U.S. worker.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

Dan Ahlstrand and Clinton Wilkins discussed an upcoming event on May 24 focusing on reverse mortgages. 

Join Michael Harris on this week's edition of Your Real Estate Life as we discuss Helping Consumers Navigate Housing Challenges and Opportunities in today's changing economic environment. The program explores rising mortgage rates, affordability pressures, inflation concerns, inventory shortages, and the impact of new Federal Reserve Chair Kevin Warsh on housing and financial markets. We'll break down what current economic conditions mean for buyers, homeowners, and families trying to make smart financial decisions in 2026. The show also covers practical consumer strategies including seller credits, temporary buydowns, FHA and VA financing, HELOC opportunities, and budget-first planning. In addition, we introduce The Money Max Account, a financial strategy system many describe as a “Perfect Financial GPS” designed to help consumers better organize cash flow, reduce interest exposure, and potentially accelerate debt reduction timelines through smarter financial management. Tune in for education, opportunity, and real-world financial insights designed to help consumers navigate today's market with greater confidence. Join Michael Harris, Mortgage Loan Originator #233410 with United Mortgage Corporation of America, on Your Real Estate Life airing on Fox Sports Ventura 1590 AM & 97.9 FM KVTA and streaming on YouTube at Your Real Estate Life with Michael Harris. Call 888-543-3980 for personalized mortgage and financial strategy guidance.

Send us Fan MailIn this episode of the WTR Small-Cap Spotlight podcast, Mike Logozzo, CEO, and Tom Kutzman, CFO of reAlpha Tech Corp. (NASDAQ: AIRE), join host Tim Gerdeman, Vice Chair, Co-Founder, and Chief Marketing Officer of Water Tower Research, and WTR Analyst James Kisner.reAlpha is developing an AI-powered homebuying platform designed to coordinate real estate brokerage, mortgage, and title services on a single platform. The platform is anchored by Claire, the company's proprietary AI homebuying concierge, and a rebate-at-closing model that rewards buyers who utilize multiple reAlpha services.Mike Logozzo walks through the "One reAlpha" vision, the progress of the Prevu integration, and the strategic rationale behind the proposed InstaMortgage acquisition, which would bring direct mortgage lending onto the platform. Tom Kutzman outlines a return-driven spending initiative encompassing headcount realignment, AI productivity gains, and vendor optimization.The conversation closes with reAlpha's priorities for the remainder of 2026, including completing the InstaMortgage transaction, converting platform visitors into customers during the spring and summer buying season, and expanding services into additional states.

Unique home buying opportunity in Elk Grove Village full 50 Thu, 28 May 2026 15:42:22 +0000 hDOpUwiSqhHnccbMEkEE5W7xE8rnXF9a news Chicago All Local news Unique home buying opportunity in Elk Grove Village A dive into the top headlines in Chicago, delivering the news you need in 10 minutes or less multiple times a day from WBBM Newsradio. 2024 © 2021 Audacy, Inc. News https://player.amperwavepodcasting.com?feed

Unique home buying opportunity in Elk Grove Village full 50 Thu, 28 May 2026 15:42:22 +0000 hDOpUwiSqhHnccbMEkEE5W7xE8rnXF9a news Chicago All Local news Unique home buying opportunity in Elk Grove Village A dive into the top headlines in Chicago, delivering the news you need in 10 minutes or less multiple times a day from WBBM Newsradio. 2024 © 2021 Audacy, Inc. News https://player.amperwavepodcasting.com?feed

Unique home buying opportunity in Elk Grove Village full 50 Thu, 28 May 2026 15:42:22 +0000 hDOpUwiSqhHnccbMEkEE5W7xE8rnXF9a news Chicago All Local news Unique home buying opportunity in Elk Grove Village A dive into the top headlines in Chicago, delivering the news you need in 10 minutes or less multiple times a day from WBBM Newsradio. 2024 © 2021 Audacy, Inc. News https://player.amperwavepodcasting.com?feed

Interest rates have been rising over the past few weeks. It has meant that homebuyers and theirlenders have needed to get more creative with financing. The expert Realtors at BerkshireHathaway HomeServices Premier Properties say they are seeing strategies to reduce costs arebeing revived from years past. Pat Karley and Blake Fason explain techniques lenders arebringing back to make buying a home buying more affordable.See omnystudio.com/listener for privacy information.

Segment 1: Tom Gimbel, job expert and founder of LaSalle Network, joins John to talk about the importance of networking in a tight job market. Segment 2: Philippe Weiss, President, Seyfarth at Work, joins John to talk about how some of the most enduring business lessons come from the simplest, catchy ideas. Segment 3: Jim Dallke, Director of Communications, TechNexus Venture […]

Send us Fan MailRoofers can be “professional” and still install a roof system that performs worse than what you had before. Laura and I dig into a simple but expensive truth: in many states roofers are not licensed, so the range of skill is enormous, and homeowners often do not realize something is wrong until years later when the attic runs hot, shingles age early, or moisture issues show up.We spend most of our time on roof ventilation because that is where we keep seeing avoidable mistakes. We explain why ridge vents paired with soffit vents create the cleanest airflow path, then break down what happens when someone adds a ridge vent while leaving gable vents open. Using a “straw” analogy, we show how extra openings can short circuit the system so the air never washes the underside of the roof deck the way it should. We also share what ridge vent manufacturers commonly recommend and why following installation instructions is not optional if you care about performance.Then we get practical: warranties only matter when the roof is installed correctly, and the person who installed it has every incentive to say “it's fine.” We talk about why independent home inspectors are often the only unbiased voice in the home buying and maintenance process, plus a simple strategy to protect yourself: schedule a roof inspection after the work and before final payment. If you found this useful, subscribe, share it with a homeowner who is about to replace a roof, and leave a quick review so more people can avoid the same costly mistakes.Support the showTo learn more about Habitation Investigation, the Three-time Winner of the Best Home Inspection Company in the Midwest Plus the Winner of Consumer Choice Award for Columbus Ohio visit Home Inspection Columbus Ohio - Habitation Investigation (homeinspectionsinohio.com) NBC4 news segments: The importance of home inspections, and what to look for | NBC4 WCMH-TVAdvice from experts: Don't skip the home inspection | NBC4 WCMH-TVOSU student's mysterious symptoms end up tied to apartment's air quality | NBC4 WCMH-TVHow to save money by winterizing your home | NBC4 WCMH-TVContinuing Education for Ohio Agents Scheduled classes Continuing Education for Ohio Agents Course listings...

Dan Ahlstrand and Clinton Wilkins discuss reverse mortgages with special guest Trevor, highlighting common misconceptions and the benefits for seniors.

Send us Fan MailWaiting until the final minutes of a home inspection sounds convenient, but it's one of the fastest ways to leave with unanswered questions and unnecessary anxiety. We break down why “just show up for the summary” often backfires: the inspector is finishing notes, packing up equipment, locking up the property, and trying to hand the home back to the seller on time. When you arrive late, you're asking for a full tour of findings during the exact window when there's the least time to give it.We walk through the better strategy for home buyers: arrive during the first hour. That early check-in lets us hear your top concerns, confirm what we'll focus on, and explain how our inspection sequence works so the process stays efficient and thorough. While we work, you can measure rooms, visualize your move, and get comfortable with the space. When something bigger than the usual small stuff shows up, we'll wave you over at the right moment and explain what you're seeing.We also call out two major red flags in real estate: an inspection company that won't let you attend, or an agent who tells you to skip the inspection. You're buying the house and paying for the home inspection, so you deserve access, transparency, and the chance to ask questions. Finally, we share how to be present without distracting the process, plus why seeing issues like basement moisture in person can keep a fix in proper perspective.If you want practical home inspection tips, buyer guidance, and a clearer inspection day checklist, hit play. Subscribe, share this with a friend who's buying a home, and leave a review. What timing have you been told to follow for inspections?Support the showTo learn more about Habitation Investigation, the Three-time Winner of the Best Home Inspection Company in the Midwest Plus the Winner of Consumer Choice Award for Columbus Ohio visit Home Inspection Columbus Ohio - Habitation Investigation (homeinspectionsinohio.com) NBC4 news segments: The importance of home inspections, and what to look for | NBC4 WCMH-TVAdvice from experts: Don't skip the home inspection | NBC4 WCMH-TVOSU student's mysterious symptoms end up tied to apartment's air quality | NBC4 WCMH-TVHow to save money by winterizing your home | NBC4 WCMH-TVContinuing Education for Ohio Agents Scheduled classes Continuing Education for Ohio Agents Course listings...

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

The middle years of a financial journey can feel anything but simple. Between managing debt, building wealth, and planning for a future that still feels far away, it's easy to wonder if you're doing enough or missing something important. Smart Debt Management: Not all debt is created equal. Learn what's good debt, what's not, and how to prioritize and leverage it strategically. Investment Vehicles 101: From 401(k)s to IRAs to brokerage accounts, understand what's available, the differences, and where to start. Starting Early with Investing: Why time in the market matters more than timing the market, and how to put compound growth to work. Homebuying 101: What to know before buying or selling, from affordability to mortgage options to long-term equity building. Protecting What You've Built: Life, disability, and umbrella insurance, emergency funds, and estate basics that help safeguard your hard-earned assets.   Goal Setting & Financial Planning: How to define your version of financial success and manage competing priorities.

Everybody today seems to have a house, a renovation, a driveway full of cars… and a lot of people tend to wonder: “How are they doing it?”And maybe the bigger question: “Am I supposed to be doing it too?”Rabbi Eliezer Gewertzman speaks very honestly about the pressure people feel around money, buying homes, keeping up appearances, and living within your means.There were moments during this interview where you could feel the room get quiet. I think a lot of people know exactly what he's talking about.Listen closely and enjoy.A special thank you to the Lakewood Resource and Referral Center who put together this wonderful home-buying event. LRRC provides clear guidance, hands-on assistance, advocacy, education, and case management for thousands of households dealing with the basics of life. Visit https://www.lrrcenter.org/ to learn more.✬ SPONSORS OF EPISODE 113 ✬ ► APPROVED FUNDING – Shmuel Shayowitz of Approved Funding is the guy you want to speak with before making a major mortgage decision. Buying, refinancing, using home equity, or trying to figure out if now is the right time to make a move? Shmuel brings 25+ years of experience and thousands of consultations, but what stands out most is his honesty and guidance. Many people he's spoken with were actually guided to solutions that had nothing to do with him getting their mortgage. His focus is giving you the right advice, not just closing a loan. Visit https://ApprovedFunding.com/KosherMoney ► BITBEAN – Your custom software solution with incredible talent at a fraction of the price it used to be. Learn more at https://bitbean.link/4edg53► GOLD STAR MECHANICAL – This is a trusted HVAC company located in the Five Towns, serving Long Island, and New York City. I know because I (Eli) used them! Super service and terrific work. They do repairs, installs, and preventative maintenance for everything from rooftop units to central air systems. New preventative maintenance customers can save 10% off their first year, with custom plans and pricing based on your building, number of units, and system needs. Mention my name when you call 516-246-5252 or email office@goldstarmechanicalny.com. A really great team. Visit https://goldstarmechanical.com/ to learn more. Enjoy! ► COLEL CHABAD – Feeding families in Israel since 1788. Make a difference today: https://ColelChabad.org/KosherMoney ► PAINTBRUSH – Turn a special photo into a real hand-painted oil painting on canvas. Not printed. Not AI. An actual artist recreates your photo brushstroke by brushstroke. They work from almost any picture, even old, blurry, or black-and-white photos, and you approve a preview before it ships so there are no surprises. These paintings make incredible gifts for birthdays, anniversaries, Yom Tov, or l'zecher nishmas. As a Kosher Money listener, you get $75 off any order with code KOSHERBRUSH. Visit https://paintbrushstudio.com/ and check out the before-and-after gallery.► Hachzek - I've been telling everyone about Artscroll's Pele Yoeitz sefer. You can get it for free at time of episode release by visiting https://www.hachzek.com/ and clicking on the Pele Yoeitz tab. This sefer is life-changing.► LSJ – Free financial coaching and guidance for the frum community: https://LivingSmarterJewish.org/ to learn more.► Kosher Debt Help – Honest, agenda-free help if you're in debt: https://www.kosherdebthelp.com/Follow Kosher Money on TikTok & Instagram: @koshermoneypod Visit our website: https://www.livinglchaim.com/ Call-in Hotline: USA 605-477-2100 | UK 0333-366-0154 | Israel 079-579-5088 WhatsApp feedback: 1-914-222-5513 Kosher Money is the bi-weekly podcast from Living Lchaim, hosted by Eli Langer.#KosherMoney #JewishMoney #FrumFinance #BuyingAHome #JewishHomeBuying #MortgageAdvice #FinancialPressure #LivingWithinYourMeans #DebtAwareness #JewishLife #FrumLife #Budgeting #PersonalFinance #ShalomBayis #JewishPodcast #TorahPerspective #Lakewood #EliLanger #KM

Sales of previously occupied U.S. homes were essentially flat in April, another weak showing for the housing market during what's traditionally its busiest time of the year. The AP's Marcela Sanchez has more.

Oil is dropping — and that could be a big deal for mortgage rates.In today's Rate Update, we're looking at why oil prices matter so much for homebuyers and homeowners watching mortgage rates.Oil is one of the biggest inflation pressure points in the economy. When oil spikes, inflation fears can rise, bond yields can move higher, and mortgage rates can feel the pressure. But when oil starts falling, the opposite can happen — inflation pressure may cool, bonds may improve, and mortgage rates may get some relief.Mortgage rates dropped yesterday, and now the big question is whether this is the start of a bigger move lower or just a short-term reaction.Today we're watching oil, the 10-Year Treasury, mortgage-backed securities, jobs data, and the broader market reaction.If oil keeps sliding back toward the $60–$65 range, mortgage rates may have room to follow lower. But if jobs data comes in too strong or inflation pressure stays sticky, that could slow down the move.For homebuyers, this is why preparation matters. For homeowners, this is why tracking refinance opportunities matters. The market can move quickly — and understanding what drives mortgage rates can help you make better decisions.CHAPTERS00:00 Mortgage rates are reacting to oil00:42 Why oil matters for mortgage rates01:35 Oil prices are falling02:28 The inflation connection homeowners need to understand03:20 Mortgage rates dropped yesterday04:05 Can rates move back toward the high-5s?05:05 Today's economic data to watch06:00 Jobs, claims, payrolls, and bond market reaction07:05 What homebuyers should do right now08:00 What homeowners watching refinance rates should know08:40 Final takeaway: watch oil, bonds, and rates

Mortgage rates are under pressure again — and this time the trigger is bigger than just the Fed.In today's video, I break down why the mortgage market just got dangerous, how rising oil prices, Iran / Strait of Hormuz tensions, inflation fears, the 10-Year Treasury, and mortgage-backed securities are all working together to push rates higher.If you're buying a home, refinancing, or trying to decide whether to lock or float, this is the kind of market you need to understand before making a move.Today we cover:• Why mortgage rates are moving higher• What the MBS / mortgage bond chart is telling us• How oil prices impact inflation and mortgage rates• Why Iran and the Strait of Hormuz matter to U.S. homebuyers• What the 10-Year Treasury is signaling• Why strong corporate earnings may not automatically help rates• Whether today's market favors locking or floating• What homeowners and buyers should watch nextThe big takeaway: mortgage rates do not move just because of the Fed. They move because of the bond market — and right now the bond market is watching oil, inflation, war risk, economic data, and Treasury yields.If you are closing soon, this is not a lazy float market. If you are shopping for a home or considering a refinance, make sure you understand the numbers before you make a decision.

Send us Fan MailA listing agent pulls you aside and says, “We've had problems with that home inspector.” That sentence can change the whole tone of a deal, so we break down what it often really means and how you should respond as a buyer. From our experience, “problem inspector” is frequently code for “thorough inspector” and the only people scared of a detailed home inspection report are the ones hoping issues stay quiet. We share a real story where an agent tried to talk a client out of using a specific inspection company because of how detailed the work was, plus the ethics complaint that followed. Then we dig into a frustrating moment many service businesses face: a buyer who got a written quote, scheduled online at a lower price, and left a negative review after we canceled rather than reward the game. It's a practical lesson in protecting your transaction, your budget, and your peace of mind with clear communication and documentation. We also talk bigger-picture real estate ethics: agents who push for a “smooth closing” instead of honest facts, why negotiation skills matter more than pressure, and why even new construction homes can have serious defects worth catching early. If you're buying in Ohio, choosing a licensed home inspector, and trying to avoid being steered, this conversation is built for you. Subscribe, share this with a first-time buyer, and leave a review with your biggest homebuying red flag.Support the showTo learn more about Habitation Investigation, the Three-time Winner of the Best Home Inspection Company in the Midwest Plus the Winner of Consumer Choice Award for Columbus Ohio visit Home Inspection Columbus Ohio - Habitation Investigation (homeinspectionsinohio.com) NBC4 news segments: The importance of home inspections, and what to look for | NBC4 WCMH-TVAdvice from experts: Don't skip the home inspection | NBC4 WCMH-TVOSU student's mysterious symptoms end up tied to apartment's air quality | NBC4 WCMH-TVHow to save money by winterizing your home | NBC4 WCMH-TVContinuing Education for Ohio Agents Scheduled classes Continuing Education for Ohio Agents Course listings...

Episode SummaryIn this episode of Million Dollar Flip Flops, Rodric sits down with real estate agent turned industry disruptor Nick Aufenkamp for a candid and eye-opening conversation about the current state of real estate—and why it may be time to rethink the role of agents altogether.Nick shares how he's “gone rogue” from traditional real estate by building the DIY Home Buyer Academy, a platform designed to help everyday people confidently buy homes without relying on an agent. Drawing from his experience inside the industry, he reveals the massive gap in agent quality and why most consumers may not be getting the value they think they are.From there, the conversation dives into friction in the buying process, the hidden costs of commissions, how technology and AI are reshaping the landscape, and why human-to-human connection—not gatekeeping—is the future of real estate.This is a bold, thought-provoking conversation about empowerment, disruption, and giving consumers the tools to take control of one of the biggest financial decisions of their lives.In This Episode, You'll LearnWhy most homebuyers may not actually benefit from using a real estate agentThe reality behind agent commissions—and who really pays for themHow Nick is helping people buy homes without an agent through the DIY Home Buyer AcademyWhy friction in real estate transactions is often intentional—not accidentalHow AI and modern tools are changing the way people search, analyze, and buy homesThe biggest mistakes DIY buyers can make—and how to avoid themWhy understanding contracts, timelines, and contingencies is criticalHow investing in yourself can create exponential returns compared to traditional investmentsHighlights & Timestamps[00:00] The truth about real estate agents Nick opens with a bold claim: most people won't find a great agent—and may be better off representing themselves.[01:00] Meet Nick Aufenkamp and the DIY Home Buyer movement Nick shares his background as an agent and why he's building a platform to help buyers go agent-free.[02:00] The gap in agent quality A deep dive into the industry imbalance where a small percentage of agents handle the majority of transactions.[03:00] Gatekeeping in real estate Rodric and Nick discuss how access to listings and sellers has been controlled—and why that's changing.[04:00] A real-world deal stuck in limbo Rodric shares a frustrating land deal example that highlights inefficiencies in agent-mediated negotiations.[05:00] Why direct communication matters The “game of telephone” problem in real estate and how it can derail deals.[06:00] Bringing the human element back Nick explains his mission to simplify transactions and encourage direct, honest conversations.[07:00] How DIY home buying actually works Breaking down financing, property search, and valuation tools available to consumers today.[08:00] Contracts, contingencies, and common pitfalls Nick explains the biggest areas where DIY buyers can get tripped up—and how to stay protected.[09:00] Saving thousands in commissions How buyers can potentially save $20,000+ and reinvest that into better opportunities.[10:00] Where to find Nick and learn more Nick shares where he's creating content and how people can start learning the DIY approach.[12:00] The question for the next guest Nick asks: What's one area of BS in your industry you're dying to call out?[13:00] Investing $20K: Where would it go? Nick shares why he'd invest in himself and scaling his mission over traditional assets.[15:00] Betting on yourself A powerful discussion on why self-investment creates compounding returns in life and business.[16:00] Closing thoughts and future vision Nick shares his vision of making DIY home buying a household concept.Notable Quotes“Most people are not going to find a great agent and would actually be better off representing themselves.” – Nick Aufenkamp “Friction in real estate feels like a feature, not a bug.” – Nick Aufenkamp “Can we just talk human to human and figure this out?” – Nick Aufenkamp “The opportunity for things to get lost in translation is massive.” – Nick Aufenkamp “Saving $20,000 in commissions is real money—it changes what's possible.” – Nick Aufenkamp “I would invest that $20,000 in myself and in the mission I'm building.” – Nick AufenkampConnect with Nick Aufenkamp

Ted Rossman of Bankrate.com says the typically strong spring homebuying season has been slower in 2026. He addresses elevated 30-year mortgage rates, but says they are still lower than a year ago. Ted notes a 6.00% mortgage rate is a notable psychological level for homebuyers, as a large number of homeowners locked in lower rates in the COVID-19 pandemic. He weighs in on a "cooling" in markets like Nashville, Austin and Miami, while seeing more buying demand in the "Rust-Belt" states like Ohio and Pennsylvania. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Is spring still the right time to buy a home, and does carrying a mortgage forever actually make more financial sense? Before entering into the “forever mortgage” debate, hosts Sean Pyles, CFP®, and Elizabeth Ayoola are joined by senior news writer Anna Helhoski and mortgage writers Abby Badach Doyle and Kate Wood to examine why 2026's spring housing market is falling short of expectations. They explain what declining home sales data and 30-year mortgage rates hovering above 6% reveal about buyer and seller hesitation, how economic uncertainty is driving different outcomes across local markets around the country, and whether the timing is right to make a move. Then, Sean, Elizabeth, and Kate unpack the question of whether carrying a mortgage into retirement could actually be a smarter wealth-building strategy than paying it off early. They break down what the life cycle hypothesis says about holding debt in retirement, what happens to the math when you weigh opportunity cost and market returns against mortgage payoff, and what personal and financial blind spots could make or break the strategy for you. Check out our Mortgage Amortization Calculator: https://www.nerdwallet.com/mortgages/calculators/amortization  Check out our Mortgage Calculator: https://www.nerdwallet.com/mortgages/calculators/how-much-can-i-borrow  Inspired to navigate your finances with an advisor? Use NerdWallet Advisors Match to find vetted professionals today at https://www.nerdwalletadvisors.com/match Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Home sales are falling apart across the U.S. as more buyers back out of deals. New data shows cancellations rising and a growing imbalance between sellers and buyers in the housing market. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us Fan MailOne well-meaning email can slow down a closing or stop it cold, and it happens more often than you'd think. We're Jim and Laura, and we're pulling back the curtain on a costly mistake home buyers and real estate agents keep making: sharing the full home inspection report with the loan officer or even an insurance company. That report is detailed by design, and when it lands in underwriting, it can turn routine home inspection findings into “conditions” that trigger delays, extra inspections, and repair demands. We walk through a true story where a minor electrical issue, basically an unfinished light fixture with exposed wiring, starts as a straightforward fix. Then the scope balloons. A full electrical report gets created, the entire document gets forwarded, and suddenly the lender is staring at a long list of older-home issues they never asked for. We explain what the lender actually needed all along: a simple confirmation that the specific item was repaired, documented cleanly and clearly. From there, we get into the pattern we see with basement moisture, foundation questions, and confusing lender emails that lack standard language. We share how we handle those requests as home inspectors, why we push for precise questions, and how to avoid opening a new can of worms like mold testing or structural engineering when it isn't warranted. If you're buying a home, selling a home, or guiding clients as a real estate agent, this is practical advice for protecting your mortgage approval, reducing closing delays, and using your inspection report the way it's intended. If this helped, subscribe, share it with a buyer who needs it, and leave a review so more people stop making the same mistake. What part of the home buying process has surprised you most?Support the showTo learn more about Habitation Investigation, the Three-time Winner of the Best Home Inspection Company in the Midwest Plus the Winner of Consumer Choice Award for Columbus Ohio visit Home Inspection Columbus Ohio - Habitation Investigation (homeinspectionsinohio.com) NBC4 news segments: The importance of home inspections, and what to look for | NBC4 WCMH-TVAdvice from experts: Don't skip the home inspection | NBC4 WCMH-TVOSU student's mysterious symptoms end up tied to apartment's air quality | NBC4 WCMH-TVHow to save money by winterizing your home | NBC4 WCMH-TVContinuing Education for Ohio Agents Scheduled classes Continuing Education for Ohio Agents Course listings...

Does a major weather event make people more wary about buying houses in areas that are prone to flooding? Money correspondent Susan Edmunds spoke to John Campbell.

Ever wonder what the homebuying process looks like from an insider's perspective? We'v highlighted Jim's homebuying process in the past. Now it's Alayna's turn!

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3532: Greg Ward breaks down practical ways to turn retirement savings into reliable income, comparing options like annuities, bonds, dividend stocks, and target-date funds. He highlights the tradeoffs between risk, stability, and flexibility, helping you align your investment choices with your lifestyle and longevity expectations. It's a clear guide to building a retirement strategy that balances income needs with peace of mind. Read along with the original article(s) here: https://www.financialfinesse.com/2013/08/21/investment-options-for-the-soon-to-be-retired/ Quotes to ponder: "An immediate annuity allows you to give money to an insurance company in exchange for a guaranteed income for the rest of your life." "When you purchase an individual bond, you are essentially lending money to someone else depending on what type of bond you purchase." "With a target-date fund, the only decision you really need to make is when you plan to start withdrawing funds from the portfolio, usually at the time of retirement." Episode references: Living to 100 Life Expectancy Calculator: https://www.livingto100.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3532: Greg Ward breaks down practical ways to turn retirement savings into reliable income, comparing options like annuities, bonds, dividend stocks, and target-date funds. He highlights the tradeoffs between risk, stability, and flexibility, helping you align your investment choices with your lifestyle and longevity expectations. It's a clear guide to building a retirement strategy that balances income needs with peace of mind. Read along with the original article(s) here: https://www.financialfinesse.com/2013/08/21/investment-options-for-the-soon-to-be-retired/ Quotes to ponder: "An immediate annuity allows you to give money to an insurance company in exchange for a guaranteed income for the rest of your life." "When you purchase an individual bond, you are essentially lending money to someone else depending on what type of bond you purchase." "With a target-date fund, the only decision you really need to make is when you plan to start withdrawing funds from the portfolio, usually at the time of retirement." Episode references: Living to 100 Life Expectancy Calculator: https://www.livingto100.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3531: Philip Taylor shares practical, experience-driven insights to help you avoid costly mistakes right before closing on a home. From staying flexible with timelines to proactively managing communication and funds, his advice can save you from delays, stress, and financial missteps. A quick listen could make the difference between a smooth closing and an unexpected setback. Read along with the original article(s) here: https://ptmoney.com/closing-on-a-house/ Quotes to ponder: "You don't own this home until you close the loan and transfer the deed with the title company." "There are a lot of moving parts to the closing process, and most of it requires a human to move things along. Humans make mistakes." "Don't take on a mortgage that you won't be able to handle." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3531: Philip Taylor shares practical, experience-driven insights to help you avoid costly mistakes right before closing on a home. From staying flexible with timelines to proactively managing communication and funds, his advice can save you from delays, stress, and financial missteps. A quick listen could make the difference between a smooth closing and an unexpected setback. Read along with the original article(s) here: https://ptmoney.com/closing-on-a-house/ Quotes to ponder: "You don't own this home until you close the loan and transfer the deed with the title company." "There are a lot of moving parts to the closing process, and most of it requires a human to move things along. Humans make mistakes." "Don't take on a mortgage that you won't be able to handle." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover different home buying behavior by the generations. Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring membership fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any additional recurring fees. Pay once and you're done! Invest with our successful community for years to come. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)  

Stock prices are hitting new records, while consumer sentiment has fallen to record lows. Businesses are of mixed minds. What's driving this disconnect—and who's right? Mark and Cris are joined once again by colleague Matt Colyar to break down the divergence between investors, consumers, and business leaders. Their insights reveal key dynamics shaping the economic outlook. Plus, the statistics game returns – back by overwhelming listener demand. To view the Wall Street Journal article mentioned in this episode, visit: Gen Z, Locked Out of Home Buying, Puts Its Money in the Market Email us at InsideEconomics@moodys.com for more info about the Moody's Summit '26 Conference in San Diego Hosts: Mark Zandi – Chief Economist, Moody's Analytics, Cris deRitis – Deputy Chief Economist, Moody's Analytics, and Marisa DiNatale – Senior Director - Head of Global Forecasting, Moody's Analytics Follow Mark Zandi on 'X' and BlueSky @MarkZandi, Cris deRitis on LinkedIn, and Marisa DiNatale on LinkedIn   Questions or Comments, please email us at InsideEconomics@moodys.com. We would love to hear from you. To stay informed and follow the insights of Moody's Analytics economists, visit Economic View. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Click here to watch on YouTubeRenting versus buying has become one of the hottest debates in personal finance, and a lot of people today are being told that renting is the smarter option. In this episode, Brian Buffini pushes back on that idea and explains why homeownership remains one of the most powerful ways to build wealth, create stability and change a family's future. He breaks down the financial case for owning, shares his own real estate journey and offers practical encouragement for younger buyers who feel priced out of the market. Through real stories, market perspective and straight talk, Brian shows why owning a home is still one of the best long-term decisions you can make.YOU WILL LEARN:• Why homeownership is one of the strongest paths to long-term wealth.• How buying a home can protect you against inflation and rising housing costs.• Why owning creates stability for families, children and communities.NOTEWORTHY QUOTES FROM THIS EPISODE:“Be an owner. Don't stay a renter.” – Brian Buffini“The smart play is not renting. The wise play is always to own.” – Brian Buffini“You don't wait to buy real estate. You buy real estate and wait.” – Will Rogers“Home ownership changes a person's life.” – Brian Buffini“A home is an asset. It's just not income producing.” – Brian Buffinithebrianbuffinishow.com Hosted on Acast. See acast.com/privacy for more information.

Buying a home in 2026? Learn loan options, rate trends, and a new zero-down opportunity for pharmacists with mortgage expert Tony Umholtz. Episode Summary In this episode, Tim Ulbrich, PharmD welcomes back Tony Umholtz, Senior VP of Mortgage Banking at First Horizon, to break down what pharmacists and healthcare professionals need to know about buying a home in 2026. From navigating a volatile interest rate environment to understanding loan options, credit considerations, and down payment strategies, this conversation provides a practical roadmap for both first-time buyers and experienced homeowners. Tony also introduces a powerful new medical professional loan that could significantly change what's possible for pharmacists looking to purchase a home. What you'll learn in this episode: How interest rates and housing inventory are shaping the 2026 homebuying market Key differences between conventional, FHA, VA, and specialized loan options Common credit and debt-to-income mistakes that can impact your approval How to think about fixed vs. adjustable-rate mortgages in today's environment How the new medical professional loan can help pharmacists buy with little or no money down Mentioned on the Show Tony Umholtz from First Horizon (website): https://firsthorizon.com/tony-umholtz Tony Umholtz from First Horizon (email): tony.umholtz@firsthorizon.com Tony Umholtz from First Horizon (phone): 813-603-4255 YFP Gives: https://yfpgives.org/ 

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Todd Kroupa A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist. The conversation walks through: His transition from the fire service to real estate Opening and managing a 400‑agent office in Florida Relocating to Georgia and re-establishing his business How he advises both first-time homebuyers and experienced sellers Emotional decision-making in buying and selling Inspections, deal-breakers, and buyer/seller behavior Multi-generational housing trends post‑COVID Why real estate remains a wealth-building tool Advice for navigating neighborhoods, schools, and due diligence His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025) Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal. Purpose of the Interview The purpose of Todd Kroupa’s appearance is to: Share a motivational career-change story — moving from firefighter to top real estate agent. Educate listeners on the real estate process — including buying, selling, inspections, and market strategy. Give practical tips for first-time homebuyers, families, and multi-generational households. Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls. Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients. Key Takeaways 1. Career Transition & Motivation Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002. Real estate appealed to him because it allowed him to continue helping people without the physical strain. He built and managed a 400-agent office before returning to working directly with clients — his true passion. 2. Balancing Firefighting and Real Estate He often worked both jobs full-time, with limited days off. Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife. 3. Buyer Advice Buyers make decisions emotionally first, then logically. Within the first 3–5 minutes in a home, buyers often know if they like it. Lighting, paint color, home condition, and layout heavily influence emotional response. First-time buyers need extra guidance — like “teaching someone to drive for the first time.” 4. Seller Advice Selling isn’t just about market timing — presentation matters. Neutral paint colors and bright white lighting help increase buyer appeal. Every showing is won or lost in the first few minutes. 5. Inspections Matter — and Are Deal Breakers Top inspection walk‑aways: Mold Foundation issues Roof problemsTodd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.” 6. Emotion vs. Logic Many buyers get emotionally attached and ignore red flags. Todd’s rule: commissions should never drive decisions. 7. Multi-Generational Living Is Rising Driven by COVID, high child-care costs, rising home prices. Families are choosing: ADUs (Accessory Dwelling Units) “In-law suites” Larger family compounds 8. Real Estate as a Wealth Builder Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset. Tax advantages like 1031 exchanges and mortgage deductions compound long-term value. 9. Don’t Buy the Most Expensive House in the Neighborhood Surrounding homes cap your resale value. You may have to wait years for nearby homes to “catch up.” 10. Neighborhood Due Diligence Realtors must avoid discrimination (Fair Housing Act). Buyers should: Visit neighborhoods at night and on weekends Speak with neighbors Review school ratings and county resources Notable Quotes (from the transcript) Career & Purpose “I love helping people. That’s why I became a fireman. Real estate was another way to help people.” “I wasn’t quite sure I wanted to manage long term… my heart was with clients.” Ethics & Commission “Commissions should never be above the people.” “If you’re focused on commissions, you need to pick a different industry.” Emotions in Home Buying “Buyers think they’re looking logically, but they’re looking emotionally first.” “Within the first 3–5 minutes, they already know if they like the home.” Inspections “If you’re not comfortable with the property now, you won’t be comfortable after you close.” Neighborhood Choice “Focus on the house, but look at the neighborhood — you can’t change your neighbors.” Wealth Building “With stocks you can’t control it, improve it, or live in it. With a home, you can.” Success & Determination “Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Todd Kroupa A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist. The conversation walks through: His transition from the fire service to real estate Opening and managing a 400‑agent office in Florida Relocating to Georgia and re-establishing his business How he advises both first-time homebuyers and experienced sellers Emotional decision-making in buying and selling Inspections, deal-breakers, and buyer/seller behavior Multi-generational housing trends post‑COVID Why real estate remains a wealth-building tool Advice for navigating neighborhoods, schools, and due diligence His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025) Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal. Purpose of the Interview The purpose of Todd Kroupa’s appearance is to: Share a motivational career-change story — moving from firefighter to top real estate agent. Educate listeners on the real estate process — including buying, selling, inspections, and market strategy. Give practical tips for first-time homebuyers, families, and multi-generational households. Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls. Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients. Key Takeaways 1. Career Transition & Motivation Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002. Real estate appealed to him because it allowed him to continue helping people without the physical strain. He built and managed a 400-agent office before returning to working directly with clients — his true passion. 2. Balancing Firefighting and Real Estate He often worked both jobs full-time, with limited days off. Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife. 3. Buyer Advice Buyers make decisions emotionally first, then logically. Within the first 3–5 minutes in a home, buyers often know if they like it. Lighting, paint color, home condition, and layout heavily influence emotional response. First-time buyers need extra guidance — like “teaching someone to drive for the first time.” 4. Seller Advice Selling isn’t just about market timing — presentation matters. Neutral paint colors and bright white lighting help increase buyer appeal. Every showing is won or lost in the first few minutes. 5. Inspections Matter — and Are Deal Breakers Top inspection walk‑aways: Mold Foundation issues Roof problemsTodd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.” 6. Emotion vs. Logic Many buyers get emotionally attached and ignore red flags. Todd’s rule: commissions should never drive decisions. 7. Multi-Generational Living Is Rising Driven by COVID, high child-care costs, rising home prices. Families are choosing: ADUs (Accessory Dwelling Units) “In-law suites” Larger family compounds 8. Real Estate as a Wealth Builder Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset. Tax advantages like 1031 exchanges and mortgage deductions compound long-term value. 9. Don’t Buy the Most Expensive House in the Neighborhood Surrounding homes cap your resale value. You may have to wait years for nearby homes to “catch up.” 10. Neighborhood Due Diligence Realtors must avoid discrimination (Fair Housing Act). Buyers should: Visit neighborhoods at night and on weekends Speak with neighbors Review school ratings and county resources Notable Quotes (from the transcript) Career & Purpose “I love helping people. That’s why I became a fireman. Real estate was another way to help people.” “I wasn’t quite sure I wanted to manage long term… my heart was with clients.” Ethics & Commission “Commissions should never be above the people.” “If you’re focused on commissions, you need to pick a different industry.” Emotions in Home Buying “Buyers think they’re looking logically, but they’re looking emotionally first.” “Within the first 3–5 minutes, they already know if they like the home.” Inspections “If you’re not comfortable with the property now, you won’t be comfortable after you close.” Neighborhood Choice “Focus on the house, but look at the neighborhood — you can’t change your neighbors.” Wealth Building “With stocks you can’t control it, improve it, or live in it. With a home, you can.” Success & Determination “Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.