Podcasts about Home equity loan

Are you sitting on a gold mine without even knowing it? In this episode of State 48 Homeowner, we show you exactly how to leverage your home's equity for maximum financial gain—whether it's paying off high-interest debt or investing in your future through real estate. Discover why now might be the perfect time to tap into your home's hidden potential. Key Topics & Takeaways Understanding Equity: See how to calculate your equity and turn it into a real financial asset. Debt Elimination: Reduce (or eliminate) high-interest credit card debt and personal loans by using lower-interest home equity options. Investing Strategy: Discover how you can use your home's equity to purchase rental properties and build passive income. Arizona Real Estate Boom: Find out why property values from 2015 to 2025 have soared, potentially boosting your equity.

In this episode of Go Gaddis Real Estate Radio, brought to you by Modern Traditions Realty Group, we highlight the Mineral Springs Crossing neighborhood in Auburn and dive into key real estate terms, including the differences between a HELOC and a Home Equity Loan. We also break down what GFCI is, why it's important, and what a missing ground fault could mean for home safety. Segment Teaser: Discover Mineral Springs Crossing in Auburn, understand the difference between a HELOC and a Home Equity Loan, and learn about the importance of GFCI and ground faults in home safety. Cleve Gaddis: Helping listeners go from real estate novice to expert, ensuring that home buying and selling can be done with total confidence and without the usual worries of life's biggest investments. Let's Talk: Visit GoGaddisRadio.com to ask questions, leave comments, push back, share your ideas, and explore our Neighborhood Spotlight. Don't forget to subscribe to our podcast! Neighborhood Spotlight: Explore Mineral Springs Crossing in Auburn, a great community with homes available on SureMLS.com. HELOC vs. Home Equity Loan: Veronica from Duluth asks if HELOCs and Home Equity Loans are the same. Cleve explains the differences, covering how each option works and when they might be most beneficial. Understanding GFCI and Ground Faults: Benjamin from Winder asks about a missing ground fault in his inspection report. Cleve explains GFCI, why ground faults matter, and how these elements contribute to home electrical safety. Seller Confidence Plan: Know your options and feel confident before listing your home. Call us before listing with anyone else to learn more about our Seller Confidence Plan. Join us for an informative episode that covers local real estate, essential home finance options, and tips for keeping your home safe and up to code. If you have a question for Cleve, click here : https://gogaddisradio.com/ask-a-question If you are looking to buy or sell your home with Cleve, click here : https://moderntraditionsrealty.net/contact If you are looking to join a real estate team, click here : https://moderntraditionsrealty.net/careers

In this episode of Financial Advisors Say The Darndest Things, A.B. Ridgeway, your host and favorite Christian Financial Advisor, dives deep into some of the most pressing financial questions from our listeners. From navigating the differences between a home equity loan and a home equity line of credit, to choosing the right short-term investments for retirement, A.B. offers sound advice and practical insights. Whether you're near retirement or just starting to invest, this episode has something for everyone.Key Takeaways:Short-Term vs. Long-Term Investments: Understanding the right investment for your time horizon is crucial. Short-term investments like CDs or money market accounts are ideal for those nearing retirement, while longer-term investments are better suited for those with time on their side.Home Equity Loan vs. Line of Credit: A home equity loan gives you a lump sum at a fixed rate, while a line of credit works like a credit card, allowing you to borrow against your home's equity as needed.Start Investing Early: For young professionals in their 20s, starting to invest in a 401k or other investment vehicles early can build long-term value, even if their employer doesn't offer matching contributions.Notable Quotes:"The biggest mistake that investors make is putting long-term money in short-term vehicles and short-term money in long-term vehicles." – A.B. Ridgeway"When it comes to home equity loans, you get the money all at once, while a line of credit allows you to use it as needed, almost like a credit card." – A.B. Ridgeway"Make sure you're aware of your company's benefits. Many contribute to their 401k assuming there's a match, but 75% of companies don't offer one." – A.B. RidgewayDisclaimer: The information shared in this episode is for educational purposes only and should not be considered financial advice. For personalized guidance, please seek a certified financial advisor.

In this episode of Financial Advisors Say The Darndest Things, A.B. Ridgeway, your host and favorite Christian Financial Advisor, dives deep into some of the most pressing financial questions from our listeners. From navigating the differences between a home equity loan and a home equity line of credit, to choosing the right short-term investments for retirement, A.B. offers sound advice and practical insights. Whether you're near retirement or just starting to invest, this episode has something for everyone.Key Takeaways:Short-Term vs. Long-Term Investments: Understanding the right investment for your time horizon is crucial. Short-term investments like CDs or money market accounts are ideal for those nearing retirement, while longer-term investments are better suited for those with time on their side.Home Equity Loan vs. Line of Credit: A home equity loan gives you a lump sum at a fixed rate, while a line of credit works like a credit card, allowing you to borrow against your home's equity as needed.Start Investing Early: For young professionals in their 20s, starting to invest in a 401k or other investment vehicles early can build long-term value, even if their employer doesn't offer matching contributions.Notable Quotes:"The biggest mistake that investors make is putting long-term money in short-term vehicles and short-term money in long-term vehicles." – A.B. Ridgeway"When it comes to home equity loans, you get the money all at once, while a line of credit allows you to use it as needed, almost like a credit card." – A.B. Ridgeway"Make sure you're aware of your company's benefits. Many contribute to their 401k assuming there's a match, but 75% of companies don't offer one." – A.B. RidgewayDisclaimer: The information shared in this episode is for educational purposes only and should not be considered financial advice. For personalized guidance, please seek a certified financial advisor.

Now that lower interest rates are officially on the books, you may wonder what it means for home equity loans and home equity lines of credit. Jeff Ostrowski, analyst with Bankrate, talks with Dave and Debbie about when it's time to consider tapping into your home equity, simplifying the decision to a green, yellow, and red light system. 

00:00 Welcome to the Mortgage Show! 00:28 The Hat Giveaway 01:43 Facebook Live and Interest Rates 04:43 Understanding the Federal Reserve's Rate Cut 06:26 Refinancing Opportunities 06:59 Credit Inquiries and Trigger Leads 09:22 Streamline and Conventional Loans 15:00 Home Equity Loans vs. HELOCs 18:03 CMG's Rate Rebound Program 21:16 Closing Remarks Randy Forcier Loan Officer I NMLS 322749 CMG Home Loans 9 Beach St, 2nd Floor Saco, ME 04072 207-590-0337 l ⁠rforcier@cmghomeloans.com⁠ Chris Bedard Loan Officer l NMLS 323290 CMG Home Loans 9 Beach St, 2nd Floor Saco, ME 04072 207-229-4731 l ⁠cbedard@cmghomeloans.com⁠ Contact us with any loan questions, comments or ideas for future episodes. Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/paulo-kalazzi/heros-timeLicense code: F5VL7ZZ7KQITOFBH --- Support this podcast: https://podcasters.spotify.com/pod/show/therandyforcierpodcast/support

Banana Margarita, Home Equity Loan, In Need of a New Roof, Keanu and Harry Docking

Getting a home equity line of credit to pay off higher interest debt can be a “no-brainer” but no, it's not always a no-brainer, and Florida is a somewhat unique standout in this conversation.

Join us for an insightful House Call with Dr. Rob Zatechka and Travis Justice on Episode 7 of the Doc Talk Podcast presented by BetFred Sports!

In this episode we continue our 3-part series answering client questions with our second inquiry.  Today's question is, " How do I access the equity in my home and use it to meet some of my pressing goals without damaging my personal finances or putting my home at risk”? Your home is an investment, and the equity in it can serve as a powerful financial tool if leveraged properly.  It is important to approach home equity strategies with caution, prayer, and a clear understanding of the potential impact on your financial well-being.    Reasons to access equity may involve consolidating high-interest debt, making vital home improvements, or investing in other appreciable assets.   Prudent use of home equity, combined with proper financial planning, can significantly enhance your financial stability and your access to meet your pressing goals. Episodes Highlights: 02:21 - Understanding Home Equity 07:38 - Home Equity Loan vs. HELOC 14:26 - Considerations for Using Home Equity 17:49 - Win-Win Strategy: Cash Out Refinancing 18:41 - Refinancing for a Lower Interest Rate 20:18 - The Benefits of Refinancing Subscribe and share this podcast episode with your family and friends so they can utilize these factors as they establish a credit score that accurately represents their credit reputation. Connect with Weslia Echols, AFC®  and  Willa Williams, AFC®  Facebook and Instagram: @wealthwisdomtogether   Trinity Financial Coaching: ⁠https://www.mytfcoach.com/

Join us for this episode of the Doc Talk Podcast, brought to you by BetFred Sports, as hosts Travis Justice and Dr. Rob Zatechka delve into the fascinating journey of Tony Veland. Beginning his career as a quarterback at Nebraska, Veland climbed the depth chart to earn the top spot before an injury sidelined him at the start of the 1993 season. Enter Tommie Frazier, and the rest is history. But Veland's story didn't end there. A natural athlete, he made a pivotal decision to switch to defense, a move that contributed to two consecutive national titles for the Huskers under the guidance of coach Tom Osborne. His talents didn't go unnoticed, leading to being drafted by the Denver Broncos and a subsequent Super Bowl victory. Despite facing adversity, including a gunshot wound in 2011, Veland's passion for football remains undiminished. In our interview, he shares personal anecdotes about his experiences on and off the field. Today, he imparts his knowledge as a coach for the Warren Academy, a youth development league founded by former Husker Steve Warren. From football triumphs to life's challenges, our conversation with Veland covers it all.  Betfred Sports: Fred is your guy when you want to bet. Now, get in on the No Sweat-First bet bonus. Your first qualifying bet of 20 Dollars or more will be matched with a Fred Bet up to One Hundred and Five Dollars if it loses. Use the promo code RUSH.  Connor Orr  Connor is a friend of the Podcast and a licensed Sports Agent in Nebraska. He works directly with athletes and businesses to help them navigate the ever-changing landscape of Name, Image, and Likeness. Call Connor today at 402-657-9888.  Husker Hounds: Two locations in the Omaha area: The Superstore at 84th and Center and out west at 171st Lakeside Hills Plaza. Or you can make it easy on yourself and shop at HuskerHounds.com, where you get free shipping on orders over $50 and a flat shipping rate of $4.95 on anything under $50.  Centris Federal Credit Union Our friends at Centris Federal Credit Union can help you explore ways to check some of those renovations off your list with the financial help of a Home Equity Loan or a Home Equity Line of Credit. *Federally insured by NCUA. Thanks: HuskerMax For Distributing This Podcast. Head to Huskermax.com for the latest news and opinion from various voices.  Email: doctalksports@gmail.com Social: Subscribe to our YouTube Channel    Follow Dr. Rob on Twitter    Like Our Facebook Page    Follow us on TikTok  

After a month off, Travis Justice and Dr. Rob Zatechka are back in the basement for another episode of Doc Talk presented by BetFred Sports. Their guest is former Husker and original Pipeline member Brenden Stai. You can imagine what happens when two former teammates get together for drinks. To be clear, Brenden drinks seltzers, not beer, and explains why he had to make a lifestyle change despite owning a craft brewery. How did a California kid end up in Nebraska? The story is pretty crazy. Here's a hint: a simple poster in a weight room planted a seed of curiosity and a hard sell; some would call it a threat by Tom Osborne, who closed the deal for Stai, who was initially verbally committed to Arizona State.  Despite growing up in a rough California neighborhood and coming from a home where Brenden's mom and dad were divorced, his family was and is a big part of Brenden's journey to Nebraska, the pros, and back to Nebraska, where he is now the Assistant AD for Leadership Giving and Football Relations. You can say Brenden beat the odds in becoming the person he is today: former football player, entrepreneur, executive, and ambassador for the University and the athletic department. He covers it all and leaves us wanting more when the episode ends.  This Podcast would not be possible without the support of the sponsors, so do us a favor and support them in return.  Betfred Sports: Fred is your guy when you want to bet. Now, get in on the No Sweat-First bet bonus. Your first qualifying bet of 20 Dollars or more will be matched with a Fred Bet up to One Hundred and Five Dollars if it loses. Use the promo code RUSH.  Connor Orr  Connor is a friend of the Podcast and a licensed Sports Agent in Nebraska. He works directly with athletes and businesses to help them navigate the ever-changing landscape of Name, Image, and Likeness. Call Connor today at 402-657-9888.  Husker Hounds: Two locations in the Omaha area: The Superstore at 84th and Center and out west at 171st Lakeside Hills Plaza. Or you can make it easy on yourself and shop at HuskerHounds.com, where you get free shipping on orders over $50 and a flat shipping rate of $4.95 on anything under $50.  Centris Federal Credit Union Our friends at Centris Federal Credit Union can help you explore ways to check some of those renovations off your list with the financial help of a Home Equity Loan or a Home Equity Line of Credit. *Federally insured by NCUA. Thanks: HuskerMax For Distributing This Podcast. Head to Huskermax.com for the latest news and opinion from various voices.  Email: doctalksports@gmail.com Social: Subscribe to our YouTube Channel    Follow Dr. Rob on Twitter    Like Our Facebook Page    Follow us on TikTok    

It's safe to say the glory years of Nebraska basketball were the Danny Nee Years. The 1993-94 team recently reunited at Pinnacle Bank Arena to celebrate the 1994 Big 8 Conference Tournament Championship. Bruce Chubick was a captain on that team and an All-Tournament team selection. Chubick started 67 games, scored 878 points, and had 618 rebounds for his Husker career.  Chubick is now the Head Coach at Omaha Central. He sits down with Dr. Rob Zatechka and Travis Justice on the latest edition of the Doc Talk Podcast presented by BetFred Sports to discuss his time at Nebraska, disappointment with former Coach Tim Miles, and this year's team, which has a shot at returning to the NCAA Basketball Tournament.  This Podcast would not be possible without the support of the sponsors, so do us a favor and support them in return.  Betfred Sports: Fred is your guy when you want to bet. Now, get in on the No Sweat-First bet bonus. Your first qualifying bet of 20 Dollars or more will be matched with a Fred Bet up to One Hundred and Five Dollars if it loses. Use the promo code RUSH.  Connor Orr at Orr and Horgan Connor is a friend of the Podcast and a licensed Sports Agent in Nebraska. He works directly with athletes and businesses to help them navigate the ever-changing landscape of Name, Image, and Likeness. Call Connor today at 402-408-6488. Or visit the Orr and Horgan website. Husker Hounds: Two locations in the Omaha area: The Superstore at 84th and Center and out west at 171st Lakeside Hills Plaza. Or you can make it easy on yourself and shop at HuskerHounds.com, where you get free shipping on orders over $50 and a flat shipping rate of $4.95 on anything under $50.  Centris Federal Credit Union Our friends at Centris Federal Credit Union can help you explore ways to check some of those renovations off your list with the financial help of a Home Equity Loan or a Home Equity Line of Credit. *Federally insured by NCUA. Thanks: HuskerMax For Distributing This Podcast. Head to Huskermax.com for the latest news and opinion from various voices.  Email: doctalksports@gmail.com Social: Subscribe to our YouTube Channel     Follow Dr. Rob on Twitter     Like Our Facebook Page     Follow us on TikTok

What do Kyle Peterson, Tiger Woods, and a beer keg have in common? You will find out by listening to the latest edition of the Doc Talk Podcast presented by BetFred Sports. Kyle is gearing up for his duties on ESPN for the college baseball season, which starts in a month. He shares his insights on the Nebraska baseball team and the expectations under Head Coach Will Bolt. Also, what happens to the reputation of Big 10 Baseball with USC, UCLA, Washington, and Oregon coming into the league?  Kyle lives in Omaha, attended high school at Creighton Prep, pitched Stanford to the College World Series two times, and was a first-round draft pick of the Milwaukee Brewers. He's been with ESPN, providing college and MLB analysis since 2003.  This Podcast would not be possible without the support of the sponsors, so do us a favor and support them in return.  Betfred Sports: Fred is your guy when you want to bet. Now, get in on the No Sweat-First bet bonus. Your first qualifying bet of 20 Dollars or more will be matched with a Fred Bet up to One Hundred and Five Dollars if it loses. Use the promo code RUSH.  Connor Orr at Orr and Horgan Connor is a friend of the Podcast and a licensed Sports Agent in Nebraska. He works directly with athletes and businesses to help them navigate the ever-changing landscape of Name, Image, and Likeness. Call Connor today at 402-408-6488. Or visit the Orr and Horgan website. Husker Hounds: Two locations in the Omaha area: The Superstore at 84th and Center and out west at 171st Lakeside Hills Plaza. Or you can make it easy on yourself and shop at HuskerHounds.com, where you get free shipping on orders over $50 and a flat shipping rate of $4.95 on anything under $50.  Centris Federal Credit Union Our friends at Centris Federal Credit Union can help you explore ways to check some of those renovations off your list with the financial help of a Home Equity Loan or a Home Equity Line of Credit. *Federally insured by NCUA. Thanks: HuskerMax For Distributing This Podcast. Head to Huskermax.com for the latest news and opinion from various voices.  Email: doctalksports@gmail.com Social: Subscribe to our YouTube Channel        Follow Dr. Rob on Twitter        Like Our Facebook Page        Follow us on TikTok

Wow! Just wow! On the first episode of the Doc Talk Podcast presented by BetFred Sports of 2024 we Travis Justice and Dr. Rob Zatechka have Damon Benning in the basement. He did not disappoint. Open, honest, and vulnerable in a way we may have not heard before.  We spend a lot of time discussing the recruitment of his son, Caleb who has signed with the Huskers, but as you will hear, it was not an easy journey personally or professionally for Damon.  This is one of our longest podcasts ever, almost two-hours! Enjoy every minute of it!  This Podcast would not be possible without the support of the sponsors, so do us a favor and support them in return.  Betfred Sports: Fred is your guy when you want to bet. Now, get in on the No Sweat-First bet bonus. Your first qualifying bet of 20 Dollars or more will be matched with a Fred Bet up to One Hundred and Five Dollars if it loses. Use the promo code RUSH.  Connor Orr at Orr and Horgan Connor is a friend of the Podcast and a licensed Sports Agent in Nebraska. He works directly with athletes and businesses to help them navigate the ever-changing landscape of Name, Image, and Likeness. Call Connor today at 402-408-6488. Or visit the Orr and Horgan website. Husker Hounds: Two locations in the Omaha area: The Superstore at 84th and Center and out west at 171st Lakeside Hills Plaza. Or you can make it easy on yourself and shop at HuskerHounds.com, where you get free shipping on orders over $50 and a flat shipping rate of $4.95 on anything under $50.  Centris Federal Credit Union Our friends at Centris Federal Credit Union can help you explore ways to check some of those renovations off your list with the financial help of a Home Equity Loan or a Home Equity Line of Credit. *Federally insured by NCUA. Thanks: HuskerMax For Distributing This Podcast. Head to Huskermax.com for the latest news and opinion from various voices.  Email: doctalksports@gmail.com Social: Subscribe to our YouTube Channel             Follow Dr. Rob on Twitter             Like Our Facebook Page             Follow us on TikTok

Dr. Rob Zatechka and Travis Justice are back with another edition of the Doc Talk Podcast presented by BetFred Sports. In episode 32, they say goodbye to 2023 and hello to the 2024 Nebraska football recruiting class led by Five Star Quarterback Dylan Raiola.  The episode takes an exciting turn when Travis and Dr. Rob get into a spirited discussion about Nebraska's five National Titles and if they are "theoretical" or "mythical" because the Huskers didn't win them under a playoff system. You might be surprised at who falls on each side of the fence.  This episode is the final Podcast of 2023. Thanks to all of you who have continued to support and listen to us. Dr. Rob and Travis will return in 2024 with their off-season interview series.  This Podcast would not be possible without the support of the sponsors, so do us a favor and support them in return.  Betfred Sports: Fred is your guy when you want to bet. Now, get in on the No Sweat-First bet bonus. Your first qualifying bet of 20 Dollars or more will be matched with a Fred Bet up to One Hundred and Five Dollars if it loses. Use the promo code RUSH.  Connor Orr at Orr and Horgan Connor is a friend of the Podcast and a licensed Sports Agent in Nebraska. He works directly with athletes and businesses to help them navigate the ever-changing landscape of Name, Image, and Likeness. Call Connor today at 402-408-6488. Or visit the Orr and Horgan website. Husker Hounds: Two locations in the Omaha area: The Superstore at 84th and Center and out west at 171st Lakeside Hills Plaza. Or you can make it easy on yourself and shop at HuskerHounds.com, where you get free shipping on orders over $50 and a flat shipping rate of $4.95 on anything under $50.  Centris Federal Credit Union Our friends at Centris Federal Credit Union can help you explore ways to check some of those renovations off your list with the financial help of a Home Equity Loan or a Home Equity Line of Credit. *Federally insured by NCUA. Thanks: HuskerMax For Distributing This Podcast. Head to Huskermax.com for the latest news and opinion from various voices.  Email: doctalksports@gmail.com Social: Subscribe to our YouTube Channel             Follow Dr. Rob on Twitter             Like Our Facebook Page             Follow us on TikTok

Iowa 13 Nebraska 10. The season is over for the Huskers as they finish 5-7 on the season and fail to reach a bowl game for the seventh straight season. The reason Nebraska lost to the Hawkeyes is the same reason they lost their previous six games, turnovers. Three for the game and a crucial interception by Chubba Purdy in the last minute of the game that set up the game winning Iowa field goal as time expired.  On this edition of the Doc Talk Podcast presented by BetFred Sports; Dr. Rob Zatechka and Travis Justice dive into the season ending loss and also discuss what is next for Nebraska. How does a team get over the hump in close games? How do the Huskers cut down on turnovers? Is Purdy the quarterback of the future and how do things change with the Big 10 landscape shifting in 2024?  It's all discussed in this episode. Please support our podcast sponsors.  Betfred Sports: Fred is your guy when you want to bet. Now, get in on the No Sweat-First bet bonus.Your first qualifying bet of 20 Dollars or more will be matched with a Fred Bet up to One Hundred and Five Dollars if it loses. Use the promo code RUSH.  Basketball season is back and better than ever, thanks to Betfred's new Tre Day promo! Every week, one lucky Wednesday game will be selected as the Tre Day game of the week, where you could get a Fred Bet for every 3-pointer made by the top scorer!  Terms and conditions apply. Must be twenty-one plus. Wagers are only accepted in the states where BetFred is doing business. You can find those at betfredsports.com. Gambling problem? Call one eight hundred bets off. Connor Orr at Orr and Horgan Connor is a friend of the Podcast and a licensed Sports Agent in Nebraska. He works directly with athletes and businesses to help them navigate the ever-changing landscape of Name, Image, and Likeness. Connor is also focused on corporate and personal injury litigation in Nebraska and Iowa, and he can work with you on your business planning, estate planning, and real estate transactions. Call Connor today at 402-408-6488.  Or visit the Orr and Horgan website. Husker Hounds: Lots of great deals at Husker Hounds! All Adidas sideline gear is 25% off through November! Antigua quarter zips for men are regularly $95 and on sale for $59.99.And Christmas ornaments and Christmas tree socks are all 20% off Through November. Two locations in the Omaha area: The Superstore at 84th and Center and out west at 171st Lakeside Hills Plaza. Or you can make it easy on yourself and shop at HuskerHounds.com, where you get free shipping on orders over $50 and a flat shipping rate of $4.95 on anything under $50.  Centris Federal Credit Union Our friends at Centris Federal Credit Union can help you explore ways to check some of those renovations off your list with the financial help of a Home Equity Loan or a Home Equity Line of Credit. Centris Federal Credit Union is a proud Sponsor of Doc's Diagnosis, Which you can watch by subscribing to your YouTube Channel. *Federally insured by NCUA. Thanks: HuskerMax For Distributing This podcast. Head to Huskermax.com for the latest news and opinion from various voices.  Email: doctalksports@gmail.com Social: Subscribe to our YoutTube Channel             Follow Dr. Rob on Twitter             Like Our Facebook Page             Follow us on TikTok

Another close game, another close loss for the Nebraska Cornhuskers. The latest setback was a 24-17 overtime loss at Wisconsin. Nebraska has now lost three in a row. It is 5-6 on the season and needs a win against Iowa on Black Friday to become college football bowl-eligible. On this edition of the Doc Talk Podcast presented by BetFred Sports, Travis Justice and former Husker offensive lineman Dr. Rob Zatechka dive deep into the loss to the Badgers.  Why didn't the Huskers go for the win on the last drive of regulation? How did Chubba Purdy stack up as the starting quarterback, and is he the quarterback of the future for the Big Red?  Up next for Nebraska, a Black Friday game against Iowa. The Hawkeyes are 9-2 on the season and have wrapped up the Big 10 West Division Championship. One thing is for sure: you can expect a close game with the Hawkeyes. All but one of Iowa's division wins have been one-score games. Nebraska will be looking for its second straight win over the Hawks. Nebraska Athletic Director Trev Alberts gets a contract extension and a pay raise. The moves after what appears to be a political hit job against Alberts and how he managed the finances at UNO.  Please support the sponsors of our Podcast.  Betfred Sports: Fred is your guy when you want to bet. Now, get in on the No Sweat-First bet bonus. Your first qualifying bet of 20 Dollars or more will be matched with a Fred Bet up to One Hundred and Five Dollars if it loses. Use the promo code RUSH.  Basketball season is back and better than ever, thanks to Betfred's new Tre Day promo! Every week, one lucky Wednesday game will be selected as the Tre Day game of the week, where you could get a Fred Bet for every 3-pointer made by the top scorer!  Terms and conditions apply. Must be twenty-one plus. Wagers are only accepted in the states where BetFred is doing business. You can find those at betfredsports.com. Gambling problem? Call one eight hundred bets off. Connor Orr at Orr and Horgan Connor is a friend of the Podcast and a licensed Sports Agent in Nebraska. He works directly with athletes and businesses to help them navigate the ever-changing landscape of Name, Image, and Likeness. Connor is also focused on corporate and personal injury litigation in Nebraska and Iowa, and he can work with you on your business planning, estate planning, and real estate transactions. Call Connor today at 402-408-6488. Or visit the Orr and Horgan website. Husker Hounds: Lots of great deals at Husker Hounds! All Adidas sideline gear is 25% off through November! Antigua quarter zips for men are regularly $95 and on sale for $59.99.And Christmas ornaments and Christmas tree socks are all 20% off Through November. Two locations in the Omaha area: The Superstore at 84th and Center and out west at 171st Lakeside Hills Plaza. Or you can make it easy on yourself and shop at HuskerHounds.com, where you get free shipping on orders over $50 and a flat shipping rate of $4.95 on anything under $50.  Centris Federal Credit Union Our friends at Centris Federal Credit Union can help you explore ways to check some of those renovations off your list with the financial help of a Home Equity Loan or a Home Equity Line of Credit. Centris Federal Credit Union is a proud Sponsor of Doc's Diagnosis, Which you can watch by subscribing to your YouTube Channel. *Federally insured by NCUA. Thanks: HuskerMax For Distributing This Podcast. Head to Huskermax.com for the latest news and opinion from various voices.  Email: doctalksports@gmail.com Social: Subscribe to our YouTube Channel             Follow Dr. Rob on Twitter             Like Our Facebook Page             Follow us on TikTok

Nebraska had five turnovers: four interceptions and one fumble. Nebraska lost to Maryland 13-10.  On this edition of the Doc Talk Podcast presented by Betfred Sports, Dr. Rob Zatechka and Travis Justice dive deep into the latest Huskers' loss. Time is running out for Nebraska to become bowl-eligible. Can the turnover problem be fixed in the final two games?  Who should start at quarterback for Nebraska this week against Wisconsin? Dr. Rob makes his pick. He also addresses the criticism of Offensive coordinator Marcus Satterfield. Fans want him fired. Rob? Listen and find out. Also, listener and viewer questions and our thoughts on the Jim Harbaugh suspension and the Jimbo Fisher firing at Texas A&M. Buy the 4th and 1 is why God Created Fullbacks t-shirt by clicking HERE.  Also, get your tickets now for the Owen Justice Album release show on December 15 by clicking HERE.  Please support our sponsors: Betfred Sports: Fred is your guy when you want to bet. Now, get in on the No Sweat-First bet bonus. Use the promo code RUSH. Terms and conditions apply. Must be twenty-one plus. Wagers are only accepted in the states where BetFred is doing business. You can find those at betfredsports.com. Gambling problem? Call one eight hundred bets off. Connor Orr at Orr and Horgan Connor is a friend of the Podcast and a licensed Sports Agent in the state of Nebraska. He works directly with athletes and businesses to help them navigate the ever-changing landscape of Name, Image, and Likeness. Connor is also focused on corporate and personal injury litigations in both Nebraska and Iowa, and he can work with you on your business planning, estate planning, and real estate transactions. Call Connor today at 402-408-6488.   Husker Hounds: Lots of great deals at Husker Hounds! All Adidas sideline gear is 25% off through November! Antigua quarter zips for men regularly $95 on sale for $59.99.And Christmas ornaments and Christmas tree socks all 20% off Through November. Two locations in the Omaha area: The Superstore at 84th and Center and out west at 171st Lakeside Hills Plaza. Or you can make it easy on yourself and shop at HuskerHounds.com, where you get free shipping on orders over $50 and a flat shipping rate of $4.95 on anything under $50.  Centris Federal Credit Union Our friends at Centris Federal Credit Union can help you explore ways to check some of those renovations off your list with the financial help of a Home Equity Loan or a Home Equity Line of Credit. Centris Federal Credit Union is a proud Sponsor of Doc's Diagnosis, Which you can watch by subscribing to your YouTube Channel. *Federally insured by NCUA. Behind The Point Spread: Another reason to subscribe to the Doc Talk Sports YouTube Channel. Behind the Point Spread presented by BetFred Sports. Our first show is this Wednesday during the college live on YouTube to break down the big games in College Football. We are joined every week by Nebraska native and professional sports handicapper Scott Spritzer.  Thanks: HuskerMax For Distributing This podcast. Head to Huskermax.com for the latest news and opinion from a variety of voices.  Email: doctalksports@gmail.com Social: Twitter, Facebook, and YouTube.

Just like ugly wins count, ugly losses hurt. The Huskers lost ugly to Michigan State 20-17. Another typical Nebraska performance. Poor passing, three turnovers, and a decent run game. The Huskers were also the victims of poor officiating, but that's not the reason they lost the game. On this edition of the Doc Talk Podcast presented by BetFred Sports, Dr. Rob Zatechka and Travis Justice discuss take a deep into the loss that drops Nebraska to 5-4 overall and 3-3 in the Big 10. Despite the loss, Nebraska STILL has a decent shot at winning the Big 10 West Division. Dr. Rob and Travis break down what is left for Nebraska, Iowa, Wisconsin, and Minnesota as all four are still in the hunt.  At the beginning of the show we touch based with producer Owen Justice and his album release show on December 15. You can purchase tickets to the concert by clicking HERE.  Please support our Sponsors! Without them, this podcast would not be possible.  BetFred Sportsbook Fred is your guy when you want to bet. More Bonuses. More Bets. Right now, get your bet back if your team loses in overtime. Sign up today with Betfred, place any bet, and get $105 from Fred. Use the PROMO CODE: BETFRED. Terms and conditions apply. Must be twenty-one plus. Wagers are only accepted in the states where BetFred is doing business. You can find those at betfredsports.com. Gambling problem? Call one eight hundred bets off. Connor Orr at Orr and Horgan Connor is a friend of the Podcast and a licensed Sports Agent in the state of Nebraska. He works directly with athletes and businesses to help them navigate the ever-changing landscape of Name, Image, and Likeness. Connor is also focused on corporate and personal injury litigations in both Nebraska and Iowa, and he can work with you on your business planning, estate planning, and real estate transactions. Call Connor today at 402-408-6488.   Husker Hounds: Lots of great deals at Husker Hounds! All Adidas sideline gear is 25% off through November! Antigua quarter zips for men regularly $95 on sale for $59.99.And Christmas ornaments and Christmas tree socks all 20% off Through November. Two locations in the Omaha area: The Superstore at 84th and Center and out west at 171st Lakeside Hills Plaza. Or you can make it easy on yourself and shop at HuskerHounds.com, where you get free shipping on orders over $50 and a flat shipping rate of $4.95 on anything under $50.  Centris Federal Credit Union Home Equity Loan Focus Fall is here! It might be a great time to start planning and preparing for those home repairs or renovations that may be on your to-do list. Our friends at Centris Federal Credit Union can help you explore ways to check some of those renovations off your list with the financial help of a Home Equity Loan or a Home Equity Line of Credit. The team at Centris takes pride in working directly with their members to help them achieve their unique financial goals. They'll work with you to make sure you're getting what you need from your home equity loan. Get in touch with their team today to get started. Visit Centrisfcu.org to apply today or schedule an appointment with a member service representative to help you find a solution that meets your financial needs and goals. *Federally insured by NCUA. Equal Housing Lender Centris Federal Credit Union is a proud Sponsor of Doc's Diagnosis, Which you can watch by subscribing to your YouTube Channel. *Federally insured by NCUA. Equal Housing Lender Behind The Point Spread: Another reason to subscribe to the Doc Talk Sports YouTube Channel. Behind the Point Spread presented by BetFred Sports. Our first show is this Wednesday during the college live on YouTube to break down the big games in College Football. We are joined every week by Nebraska native and professional sports handicapper Scott Spritzer.  Thanks: HuskerMax For Distributing This podcast. Head to Huskermax.com for the latest news and opinion from a variety of voices.  Email: doctalksports@gmail.com Social: Twitter, Facebook, and YouTube.

No matter how you look at it, ugly wins count! Nebraska has now won three straight games and one of our teams with 3-2 records in the Big 10 West Division. Yes, Nebraska controls its own destiny. In this edition of the Doc Talk Podcast presented by Betfred Sports, Dr. Rob Zatechka and Travis Justice dive deep into Nebraska's 31-14 win over Purdue. A win that looks more convincing than it actually was. Turnovers continue to be a problem for the Huskers, as they gave the ball away four times against the Boilermakers.  Because of injuries, Nebraska started a new offensive line. What are Dr. Rob's thoughts on their performance? Find out by listening.  Also, the Big 10 West is up for grasp. What team or teams have the best chance to get to Indianapolis?  Please support our Sponsors! Without them, this podcast would not be possible.  BetFred Sportsbook Fred is your guy when you want to bet. More Bonuses. More Bets. Right now, get your bet back if your team loses in overtime. Sign up today with Betfred, place any bet, and get $105 from Fred. Use the PROMO CODE: BETFRED. Terms and conditions apply. Must be twenty-one plus. Wagers are only accepted in the states where BetFred is doing business. You can find those at betfredsports.com. Gambling problem? Call one eight hundred bets off. Connor Orr at Orr and Horgan Connor is a friend of the Podcast and a licensed Sports Agent in the state of Nebraska. He works directly with athletes and businesses to help them navigate the ever-changing landscape of Name, Image, and Likeness. Connor is also focused on corporate and personal injury litigations in both Nebraska and Iowa, and he can work with you on your business planning, estate planning, and real estate transactions. Call Connor today at 402-408-6488.   Husker Hounds: Lots of great deals at Husker Hounds! A limited edition 50-year autographed Johnny Rodgers autographed football on Sale for $125 bucks while supplies last. Infant toddler and kid hoodies are on sale for $25 dollars. Cornheads for  $19.99, and the new Ugly Wins Count T-shirts for $22.  Two locations in the Omaha area: The Superstore at 84th and Center and out west at 171st Lakeside Hills Plaza. Or you can make it easy on yourself and shop at HuskerHounds.com, where you get free shipping on orders over $50 and a flat shipping rate of $4.95 on anything under $50.  Centris Federal Credit Union Home Equity Loan Focus Fall is here! It might be a great time to start planning and preparing for those home repairs or renovations that may be on your to-do list. Our friends at Centris Federal Credit Union can help you explore ways to check some of those renovations off your list with the financial help of a Home Equity Loan or a Home Equity Line of Credit. The team at Centris takes pride in working directly with their members to help them achieve their unique financial goals. They'll work with you to make sure you're getting what you need from your home equity loan. Get in touch with their team today to get started. Visit Centrisfcu.org to apply today or schedule an appointment with a member service representative to help you find a solution that meets your financial needs and goals. *Federally insured by NCUA. Equal Housing Lender Centris Federal Credit Union is a proud Sponsor of Doc's Diagnosis, Which you can watch by subscribing to your YouTube Channel. *Federally insured by NCUA. Equal Housing Lender Behind The Point Spread: Another reason to subscribe to the Doc Talk Sports YouTube Channel. Behind the Point Spread presented by BetFred Sports. Our first show is this Wednesday during the college live on YouTube to break down the big games in College Football. We are joined every week by Nebraska native and professional sports handicapper Scott Spritzer.  Thanks: HuskerMax For Distributing This podcast. Head to Huskermax.com for the latest news and opinion from a variety of voices.  Email: doctalksports@gmail.com Social: Twitter, Facebook, and YouTube.

Nebraska 17 Northwestern 9. Was it pretty, no. Is it a win? Yes!  On this edition of the Doc Talk podcast presented by BetFred Sports, Travis Justice and Dr. Rob Zatechka discuss at length the Huskers win over the Wildcats. What does this victory mean put Nebraska into the drivers seat of the West Division of the Big 10 Conference? Speaking of the Big 10 West, how bad is this division? Spoiler alert, really bad!  Also, we discuss the call that cost Iowa the game against Minnesota, Michigan stealing signs, and Michigan State continues to screw up on so many levels. Enjoy the show.  Please support our Sponsors! Without them, this podcast would not be possible.  BetFred Sportsbook Fred is your guy when you want to bet. More Bonuses. More Bets. Right now, get your bet back if your team loses in overtime. When you bet on a player to score first, you get double the price if they score twice. New customers can get more than one thousand dollars in bonuses. Betfred is the Bonus King! Terms and conditions apply. Must be twenty-one plus. Wagers are only accepted in the states where BetFred is doing business. You can find those at betfredsports.com. Gambling problem? Call one eight hundred bets off. Connor Orr at Orr and Horgan Connor is a friend of the Podcast and a licensed Sports Agent in the state of Nebraska. He works directly with athletes and businesses to help them navigate the ever-changing landscape of Name, Image, and Likeness. Connor is also focused on corporate and personal injury litigations in both Nebraska and Iowa, and he can work with you on your business planning, estate planning, and real estate transactions. Call Connor today at 402-408-6488.   Husker Hounds: Lots of great deals at Husker Hounds!  All of October, house flags are 25% off!  Same for ceramic Game Day Party Trays and travel Mugs. Halloween is just around the corner to pick a girls cheerleader costume or a football jersey, both 25% off. Two locations in the Omaha area: The Superstore at 84th and Center and out west at 171st Lakeside Hills Plaza. Or you can make it easy on yourself and shop at HuskerHounds.com, where you get free shipping on orders over $50 and a flat shipping rate of $4.95 on anything under $50.  Centris Federal Credit Union Home Equity Loan Focus Fall is here! It might be a great time to start planning and preparing for those home repairs or renovations that may be on your to-do list. Our friends at Centris Federal Credit Union can help you explore ways to check some of those renovations off your list with the financial help of a Home Equity Loan or a Home Equity Line of Credit. The team at Centris takes pride in working directly with their members to help them achieve their unique financial goals. They'll work with you to make sure you're getting what you need from your home equity loan. Get in touch with their team today to get started. Visit Centrisfcu.org to apply today or schedule an appointment with a member service representative to help you find a solution that meets your financial needs and goals. *Federally insured by NCUA. Equal Housing Lender Centris Federal Credit Union is a proud Sponsor of Doc's Diagnosis, Which you can watch by subscribing to your YouTube Channel. *Federally insured by NCUA. Equal Housing Lender Behind The Point Spread: Another reason to subscribe to the Doc Talk Sports YouTube Channel. Behind the Point Spread presented by BetFred Sports. Our first show is this Wednesday during the college live on YouTube to break down the big games in College Football. We are joined every week by Nebraska native and professional sports handicapper Scott Spritzer.  Thanks: HuskerMax For Distributing This podcast. Head to Huskermax.com for the latest news and opinion from a variety of voices.  Email: doctalksports@gmail.com Social: Twitter, Facebook, and YouTube.  

On today's show, Michael and Ben are joined by Jason Anderson, Regional Vice President of Northpointe Bank to discuss: the All-In-One Loan, how interest rates affect home equity lines of credit, who this product may or may not benefit, he dangers of financial engineering, and much more!    Find complete show notes on our blogs... Ben Carlson's A Wealth of Common Sense Michael Batnick's The Irrelevant Investor Feel free to shoot us an email at animalspiritspod@gmail.com with any feedback, questions, recommendations, or ideas for future topics of conversation.   Check out the latest in financial blogger fashion at The Compound shop: https://www.idontshop.com Past performance is not indicative of future results. The material discussed has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed, and F/m Investments makes no representation or warranty as to the accuracy or completeness of the information, which should not be used as the basis of any investment decision. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of writing and are subject to change without notice. For more information about F/m Investments, including our Form ADV brochures, please visit https://adviserinfo.sec.gov and search for our firm name.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. Wealthcast Media, an affiliate of Ritholtz Wealth Management, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here https://ritholtzwealth.com/advertising-disclaimers. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: https://ritholtzwealth.com/podcast-youtube-disclosures/ Learn more about your ad choices. Visit megaphone.fm/adchoices

The Huskers are mid-way through the first season of the Matt Rhule era at Nebraska. How is he doing? On this edition of the Doc Talk Podcast presented by BetFred Sports, Dr. Rob Zatechka gives his assessment of Coach Rhule through his first six games of leading the Nebraska program.  Also, did the bye week come at a good time for the  Huskers? Dr. Rob and Travis Justice discuss the upsides and the downsides of taking a week off.  Husker commit Carter Nelson took a visit to Notre Dame. Why? There are plenty of reasons, and Dr. Rob says it's not necessarily a bad thing. Please support our Sponsors! Without them, this podcast would not be possible.  BetFred Sportsbook Fred is your guy when you want to bet. More Bonuses. More Bets. Right now, get your bet back if your team loses in overtime. When you bet on a player to score first, you get double the price if they score twice. New customers can get more than one thousand dollars in bonuses. Betfred is the Bonus King! Terms and conditions apply. Must be twenty-one plus. Wagers are only accepted in the states where BetFred is doing business. You can find those at betfredsports.com. Gambling problem? Call one eight hundred bets off. Connor Orr at Orr and Horgan Connor is a friend of the Podcast and a licensed Sports Agent in the state of Nebraska. He works directly with athletes and businesses to help them navigate the ever-changing landscape of Name, Image, and Likeness. Connor is also focused on corporate and personal injury litigations in both Nebraska and Iowa, and he can work with you on your business planning, estate planning, and real estate transactions. Call Connor today at 402-408-6488.   Husker Hounds: Lots of great deals at Husker Hounds!  All of October, house flags are 25% off!  Same for ceramic Game Day Party Trays and travel Mugs. Halloween is just around the corner to pick a girls cheerleader costume or a football jersey, both 25% off. Two locations in the Omaha area: The Superstore at 84th and Center and out west at 171st Lakeside Hills Plaza. Or you can make it easy on yourself and shop at HuskerHounds.com, where you get free shipping on orders over $50 and a flat shipping rate of $4.95 on anything under $50.  Centris Federal Credit Union Home Equity Loan Focus Fall is here! It might be a great time to start planning and preparing for those home repairs or renovations that may be on your to-do list. Our friends at Centris Federal Credit Union can help you explore ways to check some of those renovations off your list with the financial help of a Home Equity Loan or a Home Equity Line of Credit. The team at Centris takes pride in working directly with their members to help them achieve their unique financial goals. They'll work with you to make sure you're getting what you need from your home equity loan. Get in touch with their team today to get started. Visit Centrisfcu.org to apply today or schedule an appointment with a member service representative to help you find a solution that meets your financial needs and goals. *Federally insured by NCUA. Equal Housing Lender Centris Federal Credit Union is a proud Sponsor of Doc's Diagnosis, Which you can watch by subscribing to your YouTube Channel. *Federally insured by NCUA. Equal Housing Lender Behind The Point Spread: Another reason to subscribe to the Doc Talk Sports YouTube Channel. Behind the Point Spread presented by BetFred Sports. Our first show is this Wednesday during the college live on YouTube to break down the big games in College Football. We are joined every week by Nebraska native and professional sports handicapper Scott Spritzer.  Thanks: HuskerMax For Distributing This podcast. Head to Huskermax.com for the latest news and opinion from a variety of voices.  Email: doctalksports@gmail.com Social: Twitter, Facebook, and YouTube.

Choosing between a HELOC vs. home equity loan is a big decision. HELOCs have variable interest rates and home equity loans have fixed rates, but that's not the only difference. Check out how they compare to see which makes the most sense for your real estate business. Learn more about your ad choices. Visit megaphone.fm/adchoices

Nebraska may be taking a week off (bye) but the Doc Talk podcast presented by BetFred Sports dose not. On this episode Dr. Rob Zatechka and Travis Justice dive in deep into the futility of the Big 10 West Division. Sure Nebraska has a legitimate shot at six or seven wins, but what does that really mean?  Also, the Big 10 has released the future schedules for the 2024-228 seasons. There's no hiding the fact that the Huskers will face some stiff conference competition in the future. Some fans the the the Big 10 did the Huskers no favors. However, Dr. Rob sees things differently. He explains in greater detail in this episode.  Please support our Sponsors! Without them, this podcast would not be possible.  BetFred Sportsbook Fred is your guy when you want to bet. More Bonuses. More Bets. Right now, get your bet back if your team loses in overtime. When you bet on a player to score first, you get double the price if they score twice. New customers can get more than one thousand dollars in bonuses. Betfred is the Bonus King! Terms and conditions apply. Must be twenty-one plus. Wagers are only accepted in the states where BetFred is doing business. You can find those at betfredsports.com. Gambling problem? Call one eight hundred bets off. Connor Orr at Orr and Horgan Connor is a friend of the Podcast and a licensed Sports Agent in the state of Nebraska. He works directly with athletes and businesses to help them navigate the ever-changing landscape of Name, Image and Likeness. Connor is also focused on corporate and personal injury litigations in both Nebraska and Iowa, and he can work with you on your business planning, estate planning, and real estate transactions. Call Connor today at 402-408-6488.   Husker Hounds: Lots of great deals at Husker Hounds!  All of October house flags are 25% off!  Same for ceramic Game Day Party Trays, Travel Mugs. Halloween is just around the corner to pick a girls cheerleader costume or a football jersey, both 25 off. Two locations in the Omaha area: The Superstore at 84th and Center and out west at 171st Lakeside Hills Plaza. Or you can make it easy on yourself and shop at HuskerHounds.com, where you get free shipping on orders over $50 and  flat shipping rate of $4.95 on anything under $50.  Centris Federal Credit Union Home Equity Loan Focus Fall is here! It might be a great time to start planning and preparing for those home repairs or renovations that may be on your to-do list. Our friends at Centris Federal Credit Union can help you explore ways to check some of those renovations off your list with the financial help of a Home Equity Loan or a Home Equity Line of Credit. The team at Centris takes pride in working directly with their members to help them achieve their unique financial goals. They'll work with you to make sure you're getting what you need from your home equity loan. Get in touch with their team today to get started. Visit Centrisfcu.org to apply today or schedule an appointment with a member service representative to help you find a solution that meets your financial needs and goals. *Federally insured by NCUA. Equal Housing Lender Centris Federal Credit Union is a proud Sponsor of Doc's Diagnosis Which you can watch by subscribing to your YouTube Channel. *Federally insured by NCUA. Equal Housing Lender   Behind The Point Spread: Another reason to subscribe to the Doc Talk Sports YouTube Channel. Behind the Point Spread presented by BetFred Sports. Our first show is this Wednesday during the college  live on YouTube to break down the big games in College Football. We are joined every week by Nebraska native and professional sports handicapper Scott Spritzer.  Thanks: HuskerMax For Distributing This podcast. Head to Huskermax.com for the latest news and opinion from a variety of voices.  Email: doctalksports@gmail.com Social: Twitter, Facebook, and YouTube.

This edition of the Doc Talk Podcast presented by BefFred Sports is a replay of the live show Dr. Rob Zatechka and Travis Justice did immediately after the game on YouTube.  Nebraska improved to 3-2 on the season with a 20-7 win over the Illini. The Huskers have a bye next week. Please support our Sponsors! Without them, this podcast would not be possible.  BetFred Sportsbook Fred is your guy when you want to bet. More Bonuses. More Bets. Right now, get your bet back if your team loses in overtime. When you bet on a player to score first, you get double the price if they score twice. New customers can get more than one thousand dollars in bonuses. Betfred is the Bonus King! Terms and conditions apply. Must be twenty-one plus. Wagers are only accepted in the states where BetFred is doing business. You can find those at betfredsports.com. Gambling problem? Call one eight hundred bets off. Connor Orr at Orr and Horgan Connor is a friend of the Podcast and a licensed Sports Agent in the state of Nebraska. He works directly with athletes and businesses to help them navigate the ever-changing landscape of Name, Image and Likeness. Connor is also focused on corporate and personal injury litigations in both Nebraska and Iowa, and he can work with you on your business planning, estate planning, and real estate transactions. Call Connor today at 402-408-6488.   Husker Hounds: Lots of great deals at Husker Hounds!  All of October house flags are 25% off!  Same for ceramic Game Day Party Trays, Travel Mugs. Halloween is just around the corner to pick a girls cheerleader costume or a football jersey, both 25 off. Two locations in the Omaha area: The Superstore at 84th and Center and out west at 171st Lakeside Hills Plaza. Or you can make it easy on yourself and shop at HuskerHounds.com, where you get free shipping on orders over $50 and  flat shipping rate of $4.95 on anything under $50.  Centris Federal Credit Union Home Equity Loan Focus Fall is here! It might be a great time to start planning and preparing for those home repairs or renovations that may be on your to-do list. Our friends at Centris Federal Credit Union can help you explore ways to check some of those renovations off your list with the financial help of a Home Equity Loan or a Home Equity Line of Credit. The team at Centris takes pride in working directly with their members to help them achieve their unique financial goals. They'll work with you to make sure you're getting what you need from your home equity loan. Get in touch with their team today to get started. Visit Centrisfcu.org to apply today or schedule an appointment with a member service representative to help you find a solution that meets your financial needs and goals. *Federally insured by NCUA. Equal Housing Lender Centris Federal Credit Union is a proud Sponsor of Doc's Diagnosis Which you can watch by subscribing to your YouTube Channel. *Federally insured by NCUA. Equal Housing Lender   Behind The Point Spread: Another reason to subscribe to the Doc Talk Sports YouTube Channel. Behind the Point Spread presented by BetFred Sports. Our first show is this Wednesday during the college  live on YouTube to break down the big games in College Football. We are joined every week by Nebraska native and professional sports handicapper Scott Spritzer.  Thanks: HuskerMax For Distributing This podcast. Head to Huskermax.com for the latest news and opinion from a variety of voices.  Email: doctalksports@gmail.com Social: Twitter, Facebook, and YouTube.

A home equity loan provides access to the equity in properties you own, using the funds for other purposes, such as increasing your real estate portfolio, paying a significant expense, or even debt consolidation. You have equity in a property when you owe less on any property liens than the property's value. To calculate the equity, subtract any loan amounts from the home's current market value. If your properties have equity, here's everything you must know about a home equity loan. Learn more about your ad choices. Visit megaphone.fm/adchoices

We have a new Home Equity Loan Option for Primary Residences, Second Homes, and Investment Properties It gives you a fixed interest rate for as long as 40 years to stretch those monthly payments out. You will qualify based on the Primary Wage Earners Credit Score, Co-Borrower can have a credit score as low as 550 but Primary Wage Earner must have at least a 660. We will qualify based on traditional income as well as bank statements for those self-employed borrowers. You cannot have any late mortgage payments in the last 12 months. You must have owned the home for at least 6 months. We can close in as little as 10 days. Does this sound like something that might work for you? Give us a call, 844-935-3634. We'd be happy to talk with you to determine if you would be a great candidate for this program. All loans are subject to credit approval. This is not an offer to lend or the full scope of qualifications required. For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Text "MOM" to 844-935-3634 to receive a link once a week to join the show. Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NC, NV-57237, MO, OR, TN-184373, TX, WA-MLO-237926

Have questions about using the equity in your home (or future home) to cover other expenses like home improvement, home repairs, paying off high-interest debt, or even a vacation? Ask Kim, David Kim, that is, the Real Estate Lending Manager at Gain Federal Credit Union.  If you've built up equity in your home, a Home Equity Loan or a Home Equity Line of Credit (popularly known as a HELOC) is your home's way of paying you back. And it's easy to do when you've got an expert like David delivering his educational equity expertise to your eardrums! To Know More visit TheBetterBankingPodcast.com Follow us on social: Facebook: GainCreditUnion Twitter: @gainfcu Instagram: @gainfcu The views and opinions expressed by hosts and guests of The Better Banking Podcast are not those of Gain Federal Credit Union. Gain is insured by the NCUA and an Equal Housing Lender. NMLS #407810.

The finance podcast hosted by the team with the lowest Home Equity Loan returns with another episode of Make Money Count! The latest podcast episode centers around the recent inflation reading and its implications for the Canadian housing market. Inflation The inflation rate came in higher than expected. Driven primarily by increases in shelter costs such as rental rates and mortgage interest. This has created a cyclical effect where inflation causes increased interest rates, leading to higher debt servicing costs and rising rental prices. The conversation also touches on the likelihood of the Bank of Canada increasing interest rates again and the impact on five-year fixed mortgage rates. As the housing market remains resilient with climbing prices and transactions. It is expected that interest rates will stay elevated for a longer duration, prompting consumers to consider fixed-rate mortgages over variable-rate options. Supply & Demand The discussion continues around the factors influencing the impact of supply and interest rates on housing prices. The lack of supply is a key reason for the increase in prices. The longer interest rates remain high, the higher the probability of more supply entering the market. The availability of supply will be the determining factor in whether prices go down. If banks change their approach to borrowers who are struggling to meet new payment terms, more properties could hit the market. Clients who took shorter-term mortgages during COVID and now face higher interest rates may consider selling their properties. The conversation shifts to the influence of the media frenzy on housing prices. It is acknowledged that the media coverage created fear among people, discouraging them from taking action in the market. The trend of stretching out amortization and moving up the property ladder will change, with some suggesting that people may be stuck in their homes longer, waiting for equity and lower amortization. However, that stability in housing prices has been maintained, and once interest rates drop and costs increase, the market dynamics could return to a similar pattern. Subscribe for more! PODCAST: =============================== Apple - Spotify - iHeart Radio - Podbean SOCIAL: =============================== ♪ - TikTok - FACEBOOK - TWITTER - Instagram - LinkedIn   Transcript: Is Inflation Creeping Back Into The Canadian Economy - Make Money Count 062

[Business Wire] Accurate Group Releases its 2023 U.S. Home Equity Loan and Homeowner Intent Survey [Money Watch] Is a reverse mortgage worth it? Here's what experts think [National Mortgage News] Finance of America posts a profit, aims to dominate the HECM market

Learn how to harvest equity without giving up your low, fixed-rate mortgage. Today, I discuss: conventional loans for single-family rentals, DTI, refinancing, accessing equity, student loan debt, and down payment requirements for income properties with Ridge Lending Group President, Caeli Ridge. Learn what's better for a second mortgage—the pros and cons of a HELOC vs. Home Equity Loan. You also get a mortgage market overview. We discuss changes in cash-out refinance seasoning requirements.  Caeli also describes where she believes mortgage rates are headed later this year. Resources mentioned: Show Notes: www.GetRichEducation.com/447 Ridge Lending Group: www.RidgeLendingGroup.com info@ridgelendinggroup.com Join us for tomorrow's free GRE Florida properties webinar: www.GREwebinars.com Ridge's All-In-One Loan Simulator: https://ridgelendinggroup.com/aio-simulator/ Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free—text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Speaker 0 (00:00:00) - Welcome to GRE! I'm your host Keith Weinhold. You can get a conventional loan for a single family rental with less than a 20% down payment. Learn why you might want to refinance today. Even though mortgage rates aren't as low as they were a couple years ago, how do you qualify for loans if you've already got student loan debt? All things mortgages and financing today on Get Rich Education, Speaker 2 (00:00:29) - You are listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Speaker 0 (00:00:52) - Welcome to GRE from K Patis North Carolina to Hattiesburg, Mississippi and across 188 nations worldwide. I'm Keith Weinhold. This is Get Rich Education, the voice of real estate investing since 2014. Before we get into a great education on all things mortgages today, there is still a little bit of time left for you to join us on tomorrow night's G R E Live event. You can join us from the comfort of your own home. This is for new build single family rentals, opt to four plexes in Jacksonville, Ocala, and elsewhere in Florida. Purchase prices are still below 300 K on the single families. Yes, still in the two hundreds in some cases. I don't know how long that can last. Yeah, these are the property types that are quickly vanishing. Our investment coach Naresh Stars in that event tomorrow, he finds you the good deals with the national providers that are actually giving incentives despite the fact that the product that you're buying is in really short supplies.   Speaker 0 (00:01:59) - You're gonna get a good, solid, fundamental education on what makes a durable income property market and a arrest in the Florida provider are going to share with us just for webinar attendees. Those even better than two and two incentives. Yes, for you, the incentives on the webinar are even better than that 2% of your purchase price paid do you in closing costs cash and 2% of free property management. It is going to be even better than that. That's gonna be rolled out tomorrow night, May 2nd at 8:30 PM Eastern, 5:30 PM Pacific. It is free to attend. You can ask questions live, get your questions answered and get access to the actual properties should you so choose. That is the final reminder. So if that's of any interest to you, be sure to sign up now@grewebinars.com. I'm coming to you from the Mojave Desert today here in metro Las Vegas.   Speaker 0 (00:03:04) - It's Henderson Nevada. To be technical next week I'll bring you the show from Phoenix, Arizona. And you know what? It's kind of funny. Sometimes you hear people refer to this general area of the nation this southwest and they say they are going to the desert if they were doing what I'm doing. Well this unrepentant geography nerd will clarify that it is the deserts plural. Yes, Las Vegas is in the Mojave Desert in Phoenix is in the Sonora Desert. There are differences in vegetation type and others that distinguish the two. And the most obvious difference perhaps is the presence of the big iconic Saguaro cactus down in the Sonora that you don't find up here in the more northerly Mojave and perhaps the Joshua tree is the more distinct plant type here in the Mojave. Yes, we're talking about two gigantic pieces of real estate here. Much of it is baron. Two disparate deserts with their own distinctive flora and fauna. As you're about to learn about financing real estate today, let's remember that there is a cash out refinance and then generally if you're performing a refinance without pulling cash out, that is known as a rate and term refinance. Let's get into it.   Speaker 0 (00:04:30) - Well hey, well how do you qualify for more mortgage loans at the lowest interest rate available, Americans have near record equity levels in their homes. What's the best way to access that equity yet keep your low mortgage rate in place? And what about your student loan debt and how that factors into you getting a mortgage or getting a refinance? We're answering all that today with a GRE regular guest and though it's her first appearance back on the show this year, it's the return of the company president that's created more financial freedom through real estate than any other lender in the entire nation, Ridge Lending Group. It's time for a big welcome back to Caeli Ridge.   Speaker 3 (00:05:08) - Keith Wein. Hold. Thank you. You flatter me sir. I appreciate it. Love being here with you and for your listeners.   Speaker 0 (00:05:14) - Well yes, the president is back and everyone loves this type of president because it's not about being a Democrat or Republican. So hail to the chief, great to have you here. And Jaylee mortgage rates, they have settled down a good bit from their recent highs now they peaked back in the fall of last year. So with that and some of the other things in mind, why don't you talk to us about the big picture first, sort of your mortgage market overview.   Speaker 3 (00:05:40) - Interest rates is always top of mind for everybody. I think they're doing pretty well. I do believe I've been sharing with our listeners and and my clients on a day-to-day. I do believe that rates will continue to kind of increase here and there. There's gonna be some ups and downs. Of course the Fed has been very clear with us. Jerome Powell is gonna continue to raise the Fed fund rate just for anybody that doesn't know the two between a mortgage rate and a Fed fund rate while connected, not the same thing. So when they raise that does not automatically mean that we see the increase on the the 30 year mortgage bonds. I think that that's gonna continue to happen, but I think the pace in which it happens or continues to happen is gonna be a lot less aggressive. So I think that's gonna bode well overall.   Speaker 3 (00:06:21) - For interest rates. I know everybody is very, very interested in in are they going up, are they going down, when are they going up, when are they going down? I think that we'll continue to see a little bit of upward movement. I think it's gonna be sometime next year that we start to see interest rates come back down in any meaningful way. And remember gang rates go up much, much faster than they come back down unfortunately. So I think we've got a little bit of way to go. But I'm always the one saying, Keith, you and I have talked about this, um, many, many times you must be doing the math and that the rate as a function of the return of the investment isn't the most important thing. So I'll leave it there for rates. Otherwise, I think that the industry is doing really, really well.   Speaker 3 (00:06:58) - One big announcement that we had this year was that Fannie and Freddie both have extended the seasoning period of time to where a cash out refinance when leverage was used to acquire is applicable. So now you have to wait 12 months to pull, to pull cash out of a property using the A R V that after repair value if you use leverage to acquire the property. Quick distinction because this has been confused. If you paid cash for the property, your source and season funds, that still falls under what's called the delayed cash out refi and no seasoning is required. It's only when leverage was used to acquire the property and then they're trying to use an after repair value to pull cash out in hand. Is that 12 month seasoning rate and term is different. So that doesn't apply either.   Speaker 0 (00:07:45) - Okay. So if you make a purchase and then say it less than 12 months down the road, you want to do a refi but not pull cash out, is that still all right?   Speaker 3 (00:07:55) - That's absolutely fine. No seasoning is required and we can use the arv. It's only when you want cash in your hand that that 12 months is is applicable.   Speaker 0 (00:08:04) - Got it. Okay. That's really helpful to know. Just big picture before we winnow down, are there any other big substantial mortgage stories out there that some should know about? Um, it was only a couple weeks ago, there was a lot of misinformation going around on TikTok and elsewhere about 40 year loans from F H A without people understanding that's just for loan modifications and really other stories like that. Any other big picture things where you can help us see what's happening?   Speaker 3 (00:08:30) - It seems to be par for for the course? I have not. There's nothing that's come across my desk that I would say was newsworthy or noteworthy to share. I think we've got more to unpack here than any of that.   Speaker 0 (00:08:40) - Yeah and things sure are picking up here around G R e. People wanna buy more properties this year. It really slowed down toward the end of last year, right about when the mortgage rates were at their peak. So when we talk about getting loans, we think about leverage. Leverage is created with debt. Has anything changed with the down payment requirements for an income property? And we're largely here in today's discussion talking about one to four unit income properties. Properties that you don't live in yourself,   Speaker 3 (00:09:08) - Correct down payments have have remained the same. There isn't been anything that has changed there. Just to reiterate, for those that may not be aware on a single family residence, conventionally 85% loan to value is applicable. You can leverage all the way up to 85, you're putting 15% down. Keep in mind everybody that that will have pmi, private mortgage insurance attached to it, I would have you look at them side by side. The PMI factors actually pretty low and depending on the loan size it may only be 20, 30 bucks a month. So if you're able to leverage extra, it may make sense. You're gonna have to look at the numbers so that single family and then two to four unit on a purchase transaction different on a refinance transaction but purchase is 25% down or 75% leverage is required for those duplex, triplex, fourplexes.   Speaker 0 (00:09:54) - Okay, so as little as 15% down on a rental single family home. So you're getting up to six to one, seven to one leverage in that case. Sheila, do you find very many people doing that or would they rather pay the 20% down for a rental single family home and not have the pmi?   Speaker 3 (00:10:10) - I find that right now I think that it's less common than maybe it was because interest rates are up from where they were, uh, a year, year and a half ago. So more often than not we see the 20% down. But I still think it's worth looking at. I mean you're never gonna know unless you run the numbers right side by side.   Speaker 0 (00:10:25) - Okay, so we're thinking about how much cash we have to have put aside for a down payment in closing costs. And one thing that we need to do in order to qualify for that loan in the first place of course is some people get hung up on the dti, their debt to income ratio is too high to qualify for property and chaley. Over the past few months I've had a few listeners write in with questions and I thought, well I'll say that question until we have chale on again. And one of them really has to do with student loan debt. Student loan debt often contributes to one having too high of a debt to income ratio so that they didn't have to repay their loan. I know that Biden said that you wouldn't have to pay back student loan debt for a while, but can you talk to us specifically about student loan debt with D T I?   Speaker 3 (00:11:06) - There's gonna be a few pieces to share with everybody depending on whether we're talking about Fannie Mae or Freddie Mac and we won't know who we're gonna end up selling to after the loan funds. And they have slightly different guidelines between the two of them. Similar. But there are some differences as it relates to student loan debt regardless of whether you're in deferment or you've been told that you don't have to repay. If it shows up on an individual's credit report, the calculation will be as follows. They're going to take the outstanding balance times 1%, that's Fannie Mae's rule or the outstanding balance times half a percent. That's Freddie Mac rule and that will be the payment that we include in the debt to income ratio. Uh, I'll mention that the all-in one, which is a very popular loan right now. First Lean HeLOCK, maybe we'll talk about that here today. They will defer to Fannie rules so it'll be 1% of the outstanding debt pulling on the credit report even if it shows a zero payment listed. Now there is one caveat, if the individual has a letter, this happened maybe in the last six months and I'm trying to think about, there was a title, it's pretty rare. But if they're able to gain access to documentation that specifies that they are not going to have to repay that debt and we can take that documentation, then we can zero out that payment in the D T I.   Speaker 0 (00:12:22) - Alright, there's some strategies for how you can approach D T I with respect to any student loan debt that you have and what is the maximum D T I that a borrower can have?   Speaker 3 (00:12:34) - Conventionally and non qm, you're gonna get to 50% debt to income ratio for the all-in-one since we just touched on it, 43% is the absolute max.   Speaker 0 (00:12:43) - Okay. And on prior shows, Chile and I have discussed specifically with examples just how that D T I is calculated. If you're wondering, you can hear that in some past episodes Chile one one goes ahead and they continue to add income properties to their portfolio. Often I recommend that one does that with high leverage but not over leverage. How does one keep their D T I ratio down over time as they continue to add properties so that they can qualify for more properties in the future? Is there a good strategy for that?   Speaker 3 (00:13:14) - There is, and it's such a good question because as investors, right, our qualification primers are not static. They're going to change over time as we buy and sell and refinance. So it's very, very important, especially with the debt to income ratio that we're keeping an eye on it. And there's a few ways in which you can kind of strategize or optimize that D T I. The first is going to be the Schedule E, okay? The Schedule E is where all the rental properties are going to live once you've filed the annual tax return. The easiest way for the time that we have here today, Keith, is gonna be to tell the listeners, send us your draft returns. So on an ongoing basis we tell our active clients do not file federal tax returns until you send us the draft. We're going to run that draft through the pre-formulated calculation that comes straight from Fannie, Freddie and then we're gonna provide you with some feedback, one of which may be Mr.   Speaker 3 (00:14:03) - Jones, you forgot to include your insurance as a deduction and that's actually an add back that's gonna be to your disadvantage. Make sure that you put that in there. You didn't claim the full number of days of income for the property, you forgot to put depreciation on there. That's also an add back. There's a whole slew of things that we can look at and look for and give the individual that feedback so that they are filing at that optimal way while maintaining what the maximized tax credits are, right? There's a nice balance there. The more aggressive you are with the tax deductions, the more it can impact the D T I. So we wanna have eyes on that and work closely with the client and or their CPA is a very common part of what we do. So schedule E a little more complicated, that would be one of the the ways in which we wanna maximize debt to income ratio.   Speaker 3 (00:14:45) - Obviously not obtaining new debt, new consumer debt is is not gonna be to our advantage, right? We don't want more liability than we have income. Another thing is, is that when we talk about credit and a lot of clients that we talk to, they pay their credit cards off monthly, right? Maybe they charge up five grand, eight grand, 10 grand, they get a miles or whatever it is. It's very important to communicate with us to find out when in the month we wanna strategically pull the credit. Because what will happen is is that the day in which we take that snapshot, if there's a minimum payment due, a balance with a minimum payment, that minimum payment will be used in the individual's debt to income ratio regardless of whether they're gonna pay it off at the end of the month. That doesn't matter to us.   Speaker 3 (00:15:26) - There's a payment here, we gotta hit you for it. So strategizing on the day in which we wanna run credit might be another helpful way for D T I. And then finally, and there's probably a few other things, but I think high use would be, I don't like the shorter term amortizations. I think this is something else you and I have talked about many times, Keith, where people wanna pay off quicker, which is great if that's really what they wanna do, that's perfectly fine. I'm not sure that that would be my strategy, but whatever. Don't get yourself into a 15 year fixed mortgage because it's only gonna jack that payment. It's gonna really increase that payment. It's ultimately going to, for long-term optimization, hurt your D T I. You can do the same thing with a 30 year mortgage and not pay extra interest by accelerating the debt if that's what you chose. So those would be the the few things I'd comment on   Speaker 0 (00:16:10) - 100%. And for you the listener and viewer right now with what you just heard from chaley, you can begin to understand the value of working with a lender that works specific with income property investors rather than those lenders that are more geared toward primary residents, borrowers. Nothing wrong with them but they're in their lane during their thing. And you can understand why Chaley over there at Ridge is really a specialist to help you qualifying for as many income property loans as you possibly can and optimizing those loans as well. Chaley, when we talk about interest rates, oftentimes it's of interest to people to look at what are refinance interest rates like versus new purchase interest rates.   Speaker 3 (00:16:54) - I would say on average there's a variety of of variables that dictate what the rate is gonna be. Okay? I talk about this a lot. They're called LPAs loan level price adjustments. And a loan level price adjustment is a positive or negative number that attaches to the characteristic of the loan transaction. So purchase or refi, hash out refi rate and term refi credit score has its own L L P A loan to value, loan size occupancy. All of these come with a positive or negative number attached to them as it relates to purchase versus refinance. Generally speaking, let's take a rate and term refi where you're not getting cash out, you're just maybe taking an arm and making it affix. You're taking a higher rate and making it lower, whatever, maybe about a half a point difference. So if a purchase was at six and a half, the re rate and term refinance might be at 6 75 or 7%, cash out's gonna be a little bit different. I would add a quarter point to that and then if, if it's a two to four unit, add another quarter point on top of that. So those variables do make a difference.   Speaker 0 (00:17:53) - And maybe the listener might think, well why are you talking about refinancing at a time like this? If I wanted to refinance, I would've been more likely to do that about two years ago when mortgage rates read historic lows. But today Americans are sitting on near record equity, oftentimes it might be tied up in a low mortgage rate loan with that equity chaley. I talked to some people out there just lay people, people that aren't even investors and they have a big equity position with a really low mortgage interest rate loan and they seem to think that to refinance it, they would need to go ahead and refinance their entire mortgage and lose that maybe three or 4% loan, but they don't necessarily have to if they can do a second mortgage. So I guess really what I'm getting at and the question chaley is what is the best way to do a rate and term refi versus a cash out refi? And I know there are a lot of scenarios there.   Speaker 3 (00:18:44) - Yeah, lots of scenarios. So to your point, it is not necessary to give up a very low fixed rate mortgage if you want to harvest some of that equity. The ways in which, and I'm gonna have a plug after this for the all in one, but I'll get to that cuz I'm just such a big fan. But the ways in which you can do that both for your primary residents, a second home and an investment will be through a second lien mortgage, whether it be a heloc, home equity line of credit or a he loan, the HE loan is applicable for the rental properties. I do not believe, I hope somebody can give me alternative information, but I do not believe you're able to find second lean HELOCs for rentals today. I feel like those have really dried up if they're out there, the ones that I know of that used to do them are not doing them anymore.   Speaker 3 (00:19:27) - If they're out there and anyone's listening to this, somebody please let me know. Keylock for rental probably not an option. He loan for rental absolutely is an option. And this is guys a fixed rate mortgage in second lean position, just like your 30 year fixed first, this will be a 30 year fixed second interest rates are gonna be higher. And since we were talking about interest rates, I'm gonna say that they're probably anywhere from 10 to 13%, but they're smaller amounts. C L T V combined loan to value for a he loan on a rental would be 85% is what we have access to. So as quick math guys, if you have a value of a home of a hundred thousand and you owe on your first mortgage 50,000, the CLTV would be 85% of a hundred. So 85,000 minus the 50001st, which stays in place, you'd have access to about 35,000 in that example. And that would be access to rental properties that you just do not want to mess with that first lien mortgage different for owner-occupied. And I'll take your queue on when you want me to get into that.   Speaker 0 (00:20:26) - Yeah. Okay. So we are just talking about income property second mortgages there. Tell us about primary residences.   Speaker 3 (00:20:32) - So primary and secondary should be in the same bucket. You can leverage just 90% C L T B, same math as before but up to 90% And these are gonna be, you have HeLOCK and he loan. I'm gonna assume most people are gonna go for the HeLOCK, right? The open-ended revolving is definitely more attractive than a closed-ended fixed I believe in a second lien. And you know Prime is at eight I believe right now. Gosh, I should have checked before we go on, but I think Prime is sitting, it's an index. An indices like the Fed fund rate, that's an index two prime is at about eight. And then depending on the characteristics, those l LPAs that I mentioned, loan level price adjustments are gonna come up with a margin. Maybe it's 2% over prime or one or whatever it is depending on those things. So I would anticipate a HELOC and second lie position on a primary residence will be anywhere from eight to maybe 10%. More often than not is what you should expect. Interest only open-ended.   Speaker 0 (00:21:24) - And on the second mortgages, whether that takes the form of a HELOC or a HE loan, how long is the initial fixed rate period? Typically   Speaker 3 (00:21:32) - There are hybrids where you can fix in for a year or three years, et cetera. Those are available. I'm not sure that you wanna do that in a high rate environment. You probably wanna avoid any fixed rate right now if you had the option to get into it a couple of years ago, you're looking really good right now because you fixed in at at some ridiculously low rate for a period of two, three, maybe five years. I would tell people listening, fixing in on a HELOC right now is not gonna be your advantage when we believe that rates are gonna start coming down over the next year, et cetera. But for the HE loan, it's fixed for 30 years. Just like a 30 year fixed first lie mortgage, it's fixed, you have it four 30 years, it's amortized, it's closed ended. You're making your regular payments until you pay it off after the 30 year period of time.   Speaker 0 (00:22:13) - We're talking about how you can more efficiently borrow in this environment where people and investors have high equity positions and we have hopefully come off the mortgage rate highs from late last year. You're listening to Get Risk Education. Our guest is Ridge Lending Group President Chaley Ridge Morton, we come back. I'm your host Keith White Hole with JWB Real Estate Capital. Jacksonville Real Estate has outperformed the stock market by 44% over the last 20 years. It's proven to be a more stable asset, especially during recessions. Their vertically integrated strategy has led to 79% more home price appreciation compared to the average Jacksonville investor. Since 2013, JWB is ready to help your money make money, and to make it easy for everyday investors, get started at jw b real estate.com/g rre. That's JWB real estate.com/g R E GRE listeners can't stop talking about their service from Ridge Lending Group and MLS 40 2056. They've provided our tribe with more loans than anyone. They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plexes. So start your pre-qualification and you can chat with President Chaley Ridge personally. They'll even deliver your custom plan for growing your real estate portfolio. start@ridgelendinggroup.com.   Speaker 4 (00:23:45) - This is Rich Dad sales advisor, Blair Singer, listen to Get Rich Education with Keith Wine Hold and above all don't quit your daydream.   Speaker 1 (00:24:03) - Welcome   Speaker 0 (00:24:04) - Back to Get Rich Education. We're learning about how to be a savvy borrower with President of Ridge Lending Group, Chaley Ridge and Chaley. One product you have there that's really flexible and has helped out so many people and helped save borrowers tens of thousands of dollars in interest or more is what's called your all in one loan. Tell us about it.   Speaker 3 (00:24:25) - This is a first Lean HeLOCK everyone. I'm such a big fan, it's not for everybody, but for the right individual, I don't know that there is a loan product to rival it. It's got all the flexibility in the world and as Keith said, the mechanics of this and the concept of this arbitrage, it's called Velocity Banking, infinity Banking. If anybody's familiar with those terms, that's what this does. It allows you all the open flexibility to sort of become your own bank where you have this line of credit. It is a first lien line of credit. So let's take a a step back and talk about those low interest rates that everybody has secured over the last couple of years. We were very lucky to have to two and a half, 3% interest rates. And I'm constantly having this conversation and I'm really trying hard to dispel the psychology of you can never do better than that when it's just not the truth.   Speaker 3 (00:25:14) - And mathematically you will be able to figure this out. I'm gonna plug our website here. There is an interactive simulator that will take you to the all-in-one simulator where you can compare your existing fixed first lien mortgage to the All in one and and the input data is very, very simple. No vials of blood here guys, but if the input is accurate, the results page will tell you very clearly if the all-in one will save interest and Trump over the 30 year fixed at two and a half or whatever it is, or if you're fixed rate mortgage is more to your advantage, it will be very clear there'll be no mistaking it from that. I think further conversations will be necessary for those that see some real value in the All In One. I won't go too far down that rabbit hole, it's a little bit more complicated than we probably have time for here. But the first Lean All In one is such a fantastic tool. I really encourage your listeners to go ahead and and check out at the very least the simulator and see how it applies to you.   Speaker 0 (00:26:08) - The all-in one loan operates much like a first lien heloc. I don't think we have time to describe it all. Like you said, you do have the simulator there on your website@ridgelendinggroup.com where one could see if their existing mortgage it compares favorably or unfavorably to the all-in one loan. But as we know with the first lien heloc, therefore one feature of the All in one loan is the option, not obligation, but option of making interest-only payments to keep your payment down.   Speaker 3 (00:26:34) - Yeah, this is where it gets a little bit tricky for some people when we start talking about payments FirstLine Open-ended HeLOCK, where it's called the All In one because you're replacing not only your mortgage with this revolving open-ended heloc, but also a checking and savings account and combining those two elements whereby simple depository income is being used at dollar for dollar driving down principle balance to save in daily interest accrual. I'm gonna give a quick example and then we can move on and, and I encourage everybody to do the simulator email us, let's talk through it. We'll take you by the hand. It's the learning curve's a little intense, it was even for me. But here's an example of velocity of money and kind of how the all-in-one works. So take a 30 year fixed mortgage and a 15 year fixed mortgage. Both of them started at $400,000 each.   Speaker 3 (00:27:22) - You lock the 30 year at 4% and the 15 year was locked at 7%. Without exception, everybody runs to the 30 year at 4%. I would've done the same if I didn't know the math when in fact the reality is is that you will pay $40,000 more on that 4% 30 year than you would on the 7% 15 year because the amount of time that you're paying on that mortgage is greatly reduced. And that's, I guess a, an easy concept. It's a, the first step of trying to define this for most people, they can kind of see it in those terms because they understand the amortized mortgage. It's the amount of time that you are paying interest. So if you're utilizing your depository checking savings and your mortgage and all of that money is going in there month after month before it's going back out the door for whatever your living expenses are. And then whatever's left over is, is stays in there. 24 7 access. Nothing changes about your current banking techniques or or strategies. It's all the same. But now you're in control. You've become your own bank. It's amazing. I can't say enough about it   Speaker 0 (00:28:24) - Talking about the all in one loan there. You sure can learn more from Ridge on that. Jaylee, is there really like anything else that I guess is noteworthy specifically in helping a borrower qualify for income property loans, maybe a common problem or a borrower hurdle that you see in there at Ridge?   Speaker 3 (00:28:43) - I would just boil it down to education. Just lack of information. It's not dear Google stuff. The guidelines and what's available. All of these things are changing on a consistent basis that real-time information's not available to them. So if I had to pick one thing, I would just say education. And I'm very proud to say that we really focus on that. If there's a value add about Ridge, I think there's quite a few. But the one that I think sticks out for most people is the education that we provide to our investors and shining a light and giving them a look under the hood and what they need to know, teaching 'em how to optimize their qualifications and all of the stuff that we've been talking about here today.   Speaker 0 (00:29:19) - Well that's a good point because when we talk about real estate investing, you're really, they're in one of the more dynamic and fast-changing parts of the industry as opposed to something like home construction where a lot of the methods haven't changed for 50 or more years, if you will. So yeah, it's really staying up and staying informed on that and engaging with a lot of the educational resources increasingly that Ridge has for you to help you stay on top of that as an income property bar yourself. And Shaley can tell us a bit more about that shortly. But why don't you tell us about all of the loan types, the mortgage products if you will, that you offer in there.   Speaker 3 (00:29:52) - That's another great value add about us. We have a very diverse menu, if you will, of loan products that don't just start and stop with the conventional. We're not a one size fits all. So we've got the Fannie Freddy's, we talk about that a lot. Our all in one, my favorite. We have a very diverse non QM product line and for those that aren't familiar with that term, QM stands for Qualified Mortgage. Fannie Mae and Freddie Mac are the, uh, epitome the definition of what a qualified mortgage is. There's a whole definition we don't need to go into today, but, so everything outside of that QM is now non qm. And within non qm, like I said, extremely diverse. There's things called the debt service coverage ratio product where we're not showing borrower income, we're just looking at the properties income offset by the new mortgage payment. There's bank statement products. If you can't show tax returns, we're gonna take deposits and average them asset depletion. If you've got large self-directed ira, we can come up with an income calculation for that. The list goes on. We've got commercial products for commercial properties, but also for residential properties. Cross collateralization. It's pretty diverse. We have a lot for everybody.   Speaker 0 (00:30:54) - When you excel in there, you've been such industry leaders at originating income property loans for investors were proportion of your businesses income property loans and what proportion is primary residence loans?   Speaker 3 (00:31:06) - A lot of people don't realize we can do both and we do both very well. But I would say that it's probably 70 30 not owner-occupied. To owner-occupied. A large part of what we do is the investor loans. But most of our investor clients come to us for their primary needs too because we already have their life on file and, and can get that done very competitively   Speaker 0 (00:31:24) - Too. , right? And you keep growing. You're in almost all 50 states now.   Speaker 3 (00:31:27) - I know. Can you believe it? We're in 47 states. We're not in North Dakota, New York, or Vermont, otherwise we're everywhere.   Speaker 0 (00:31:34) - Letter audience know how they can learn about your resources.   Speaker 3 (00:31:37) - There's a couple ways to find us our website, ridge lending group.com. They can email us, info ridge linen group.com. Our toll free is 8 5 5 74 Ridge 8 5 5 7 4 7 4 3 4 3. And while you're on our website gang, uh, check us out on our community. I have a live event every Tuesday, one 30 Pacific, uh, four 30 Eastern. Uh, lots of good information register and it's free. Lots of good information and, and education like we've been talking about here. Hope to see you.   Speaker 0 (00:32:05) - Oh, it's been a terrific and crucial mortgage market update. Chaley Ridge, thanks so much for coming back into the   Speaker 3 (00:32:11) - Show. Thank you. Appreciate it.   Speaker 0 (00:32:18) - Oh yeah, lots of good concise information there from Chaley. It's a type of content that can have you hitting the rewind button on your pod catcher at times. All right, so we learned that in a lot of scenarios there. Second, mortgages come with rather high interest rates that is prohibitive. But then on the other side, it's encouraging to learn, learn that on primary residences, for example, you can get up to 90% loaned value. That means you only need to keep 10% equity in your home. And as far as that all in one loan simulator, we'll put a link directly to that in the show notes for you. But like Chaley said, you might wanna reach out to them@ridgegroup.com and then they can help walk you through it. Thank you to Caeli for the generous contribution to your learning today. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 5 (00:33:15) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests on 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 L l C exclusively.   Speaker 6 (00:33:43) - The preceding program was brought to you by your home for Wealth building. Get rich education.com.

In this podcast, we will explore the differences and similarities between Home Equity Line of Credit (HELOC) and Home Equity Loans. We will discuss how each works, what are the benefits and drawbacks of each option.We will delve into the definitions of HELOC and Home Equity Loans and how they work; discussing their similarities and differences, including the interest rates, timelines for repayment, and differences in payment structures.I will share tips on how to determine whether a HELOC or Home Equity Loans is better suited based on the our financial priorities and goals. For example, a HELOC may be a better option for individuals that prefer flexibility with their draw down schedule and interest rates. Alternatively, a Home Equity Loan would be a better fit if stable rates and fixed payments are preferred by the borrower.We will discuss the eligibility requirements for getting approved for HELOC or Home Equity Loans, which may include credit scores, income verification, and meeting equity requirements. We also dive into the potential risks and benefits associated with each option.By the end of the episode, you will have an in-depth understanding of the differences between a HELOC and Home Equity Loan, and a clearer idea of which one of these options would be the better choice for your unique financial situation. Ultimately, this podcast aims to provide valuable information to empower listeners to make informed decisions when it comes to their home equity finances.DISCLAIMER: I am not a financial adviser. This Podcast is for educational purposes only. Investing of any kind involves risk. Whileit is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your ownresearch. I am just sharing my opinion.This podcast is sponsored by Amirison Financial. Our goal is to help the culture build Wealth Assets Prosperity. We appreciate you taking the time to listen to this episode and share the content if you find value.

Live from the Heart of America—I'm Steve Gruber—ready to deliver an inclusive and diverse discussion on the most important topics of the day—giving you better analysis and insight that anyone else—shining a spotlight on the cockroaches of the swamp—and delivering truth and justice just when hope was starting to fade—   Here are the 3 Big Things you need to know to start today—   Number One— Tony Fauci said in a PBS documentary—that he had to ‘Break Republicans' on the vaccine to get the pandemic under control—totally political Tony Fauci—   Number Two— A shocking revelation—The Biden Administration is trying to quietly bail out Moderna—no I am serious—   Number Three— The walls are closing in on Donald Trump—this time they really got him—how many times do we have to hear that—before we are totally immune—   I mean the Democrats really are looking a lot like Charlie Brown as Lucy pulls the football away—AGAIN—   Another day—and no indictment of Donald Trump—can you imagine what its like inside MSNBC, CNN, The New York Times—do you think Joe and Mika are sobbing and consoling each other?   These outlets have spent the entire week drooling at the idea of Donald Trump being arrested—they dreamed of the mugshot to plaster all over social media—oh, the parties they were going to hold—Oh, and the perp walk—would be a divine payoff for all the misery going all the way back to Hillary Clintons victory party that turned into a funeral dirge—   By God this time they had him for sure—they went on and on about how his former attorney Michael Cohen and a B-list porn actress were going to the be the downfall of the former President—they could enjoy a huge measure of Trump Derangement Syndrome—they could see him in handcuffs and play it over and over again—   BUT—not of it happened—AGAIN—   Once again—Charlie Brown went running up to the football dreaming of kicking the game winning field goal—faster and faster—until suddenly he hit nothing but air—a complete whiff and he comes crashing back to earth on his back—all of the wind knocked out of him—   The long faces—the smeared make-up inside the former newsrooms in cable TV that long ago traded in credibility for tickets to Democrat cocktail parties—silent—shell shocked again—as once again they get to feast on a big fat nothing burger—   Once again—Teflon Don flies away—   This time the Manhattan D-A, some political hack by the name Alvin Bragg thought he could turn a non-disclosure payment to Stormy Daniels into a misdemeanor—even though the statute of limitations ran out at least four years ago—and then he was going to parlay that bogus charge into a federal campaign violation—and make that a felony and voila—he would be the hero the left had been praying for (even though they don't really pray anymore)—they would erect statues to replace the awful Republican villains like Abe Lincoln and Teddy Roosevelt they had torn down in pursuit of perfect wokeness—   They would celebrate his name in history books—except—well except there was no crime—and everyone knew it—even liberals knew it—   Real Liberals—not the Molotov cocktail throwing criminals that call themselves Liberals but that are actually facists—hiding behind the anti-facist costume of Antifa—   No, the real liberals that know hunting down your political opponents using the intelligence community and twisting the law to destroy them is wrong—and always will be—they knew that this case was a stone cold loser— here is Alan Dershowitz from this program earlier this week—   So now, once again—the bitterness is setting in—the acrid taste and smell of getting burned by your own hubris and stupidity—that leaves you looking like the fools you are—   It began with Grand Jury testimony on Monday from Robert Costello—who was a legal advisor to Donald Trump's former attorney Michael Cohen—who has since been disbarred and sent to federal prison for perjury—and Costello told the Grand Jury that Michael Cohen is a serial liar—that had actually gotten the $130,000 to pay Stormy Daniels from a Home Equity Loan—known as a HELOC—meaning the money didn't even come from Donald Trump—   Then D-A Bragg panicked—and said he had one more crucial witness to hear from—BUT that was supposed to be yesterday—But mysteriously—the Grand Jury was told nobody would be coming—BUT maybe tomorrow—   Inside of Braggs office we are told there is complete chaos—infighting and battling over what to do now—   I mean they led all the Orange Man Bad Faithful—to begin gyrating in anticipation of the heavenly perp-walk—the celebrations in the streets—the end of President Donald Trump was at hand they were led to believe—   But there goes Charlie Brown sailing through the air—   And then yesterday afternoon another bombshell rocks the entire flimsy case—when a letter from 2018—that had been hidden, rose to the surface for all to see—   A letter written to the Federal Elections Commission by Stephen Ryan—an attorney for Michael Cohen— in the letter Ryan spelled out that the money given to Stormy Daniels was a private transaction between Cohen and Daniels and explained clearly on February 8th, 2018—that Donald Trump was neither a party to the transaction—or had any knowledge of the transaction—and further explained that Trump never reimbursed Cohen for the $130,000—   The letter concluded that any complaint involving Donald Trump should accordingly be dismissed— that was more than 5 years ago—and yet for some reason we are yet to understand—Alvin Bragg failed to mention that key piece of evidence—   THUD! Charlie Brown just hit the ground again—   Can you please mail some Kleenex to the kids at The Atlantic, The Washington Post and don't forget Chuck Todd will need a few boxes too—

In this episode of the Retirement Lifestyle Show, Erik Olson and Adrian Nicholson break down reverse mortgages and their use in retirement planning. They discuss the different types of reverse mortgages, ways to extend the life of your portfolio, and the mechanics of an efficient reverse mortgage. [00:00] Introduction [01:47] Challenges Retirees Face When Planning for Retirement [04:37] What is a Reverse Mortgage? [07:55] The Different Types of Reverse Mortgages [09:20] Biggest Drawback of Taking on a Reverse Mortgage [12:15] Erik Shares an Actual Use Case of Reverse Mortgages [17:33] Practical Ways You Could Use a Reverse Mortgage [24:08] When to Start and How Reverse Mortgages Work [26:29] How to Extend the Life of Your Portfolio [28:33] Reasons for People Holding Bonds in Their Portfolios [30:45] Pros and Cons of a Reverse Mortgage [38:47] Mechanics of an Efficient Reverse Mortgage [40:05] Resources on How to Apply for Home Equity Loan [43:50] Parting Thoughts Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468. Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Join Matt Watson and Eoin Matthews, CoFounder, and Chief Business Officer of Point, as they talk about home equity investing. Gain new perspectives by listening to Eoins' entrepreneurial story and hear how he and his CoFounder built a business involving home equity investments.   Find Startup Hustle Everywhere: https://gigb.co/l/YEh5   This episode is sponsored by Full Scale: https://fullscale.io   Learn more about Point: https://point.com  See omnystudio.com/listener for privacy information.

With interest rates hovering many points higher than many investors and buyers would like to see, the BRRRR and cash-out refinance strategies that have worked for many years are proving to be a difficult strategy for many property owners sitting on mountains of equity, but without logical pathways forward using today's rates.Enter Matthew Sullivan, Founder and CEO of QuantmRE. Matthew is making is easier to pull equity out of your home without taking on more debt, which means no interest and no monthly payments.This new financing tool is not a HELOC, it's not a home equity loan, and it's not a reverse mortgage. How does it work? Listen to this episode, and you're learn how!Matthew and his team have helped over a hundred homeowners use their home equity to pay off expensive credit cards, remodel their homes, pay college tuition fees, or diversify their investment portfolios, all without taking on extra debt. Originally from London, serial entrepreneur Matthew Sullivan is an author and host of the Hooked On Startups podcast, and a helicopter pilot! Previously, Matthew worked with Richard Branson's corporate finance team in the Virgin Group.Things we discussed in this episode:- How does a Home Equity Investment work?- What does it mean to be 'House Rich and Cash Poor'?- How does a Home Equity Investment compare to a cash out refinance?- How does a Home Equity Investment differ from a Home Equity Loan or HELOC?- How does this arrangement get reflected in title?- The investment side of the arrangement - who can invest?Where you can find Matthew:Website - https://www.quantmre.com/LinkedIn - https://www.linkedin.com/in/mattsullivanco/Facebook - https://www.facebook.com/Quantm.one/Join Jason Muth and Attorney / Broker Rory Gill of NextHome Titletown and UrbanVillage Legal in Boston, Massachusetts for another episode of The Real Estate Law Podcast!#realestatepodcast #nexthome #humansoverhouses #realestate #realestatelaw #realestateinvesting #realestateinvestor #realestateagent #homeequity #houserich #cashpoor #homeequityagreement #equityfreedom #heloc #homeequitycontract #homeequityinvestmentSupport the showFollow us!NextHome Titletown Real Estate on InstagramNextHome Titletown Real Estate on FacebookNextHome Titletown Real Estate on LinkedInAttorney Rory Gill on LinkedIn

Homeowners are increasingly taking advantage of the record levels of tappable home equity amid a dramatic rise in home equity loans. What are they using the money for, and what are the risks? Deepfake news anchors are being generated by artificial intelligence. Pro-Beijing bots have been pushing them on social media, where they repeat Communist Party narratives. Find out who's possibly Tesla's biggest critic—and who spent millions on an anti-Tesla Super Bowl ad. Gov. Ron DeSantis is looking to ban a certain type of investing in Florida. He says it violates the financial duty executives have to shareholders. Consumer prices actually rose in December—instead of falling, like previously thought. A robot escapes work at a supermarket in Pennsylvania. What does the store have to say? Lawmakers in Alabama are trying to protect workers from being forced to get microchips. Why the new bill? ⭕️ Watch in-depth videos based on Truth & Tradition at Epoch TV

NTD Business News: 2/13/20231. Governor DeSantis Unveils Proposal to End ESG Banking2. Consumer Prices Didn't Really Fall in December3. More Homeowners Take Out Equity Loans4. Home Equity Loan Cost Up $200/Month: Analyst5. Tesla Self-Driving Attacked in Super Bowl Ad

George Kamel & Kristina Ellis answer your questions and discuss: Renting vs. buying a house, from the blog: Should I Rent or Buy a House? "I owe $32k on a $18k car... what can I do?", Why you should never borrow on your 401(k) and stay away from HELOCs, from the blog: What Is a Home Equity Loan? The best way to save for grad school. Support Our Sponsor: Churchill Mortgage PODS Moving & Storage Zander Insurance Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Happy Holidays from The Modern Moron recorded this day, the 25th of November, 2022.  It's Black Friday and there's no place I would rather NOT be than a mall, A Walmart, a Best Buy or an Amazon.  Also, I literally got back from the grocery  store and I thought I was going to have to take out a Home Equity Loan.  I just paid over $5 for a dozen eggs.  What the ever-loving- @##$%?  At what point is it going to  be …. That'll b e a dollar…. Another dollar…. Okay, two for one.  Thanks Grandpa Joe… for all the inflation.  It's your fault.  Your fault there's global inflation.  Whatever country your in, it's that political leader's fault that there is global inflation.  If you live in Canada, Thanks Trudeau.  If you live in China, thanks JinPing.  Great Britain's revolving door… thanks Sunak.  Or can we still blame Boris Johnson?  Thanks Bo-jo.  Or let's lay that on Liz Truss!  She was only there 50 days, it's all her fault.  Thanks Liz.   But let's stay in Great Britain, because… My guest is the Senator's daughter who has been on this show multiple times, this time from Edinburgh, Scotland!  She is attending the University of Edinburgh getting her Master's degree in Art History.  We talk about:  How wonderful and nice the people of Scotland are, dispelling the U.S. notion that everyone there is groundskeeper Willie from the Simpsons.   The Art History Masters degree she is achieving specifically is in accessibility, and as I said in the previous episode, we're not talking ramps and wider doorways, but accessibility in a broader sense.  Is it accessible to all social classes, ethnicities and cultures and are they all represented in art museums?  We talk about those little plaques next to the artwork that I almost never read.  Are they accessible to all?  I bring up something used in internet web content design and development called the Hemingway app.  Hemingway's style of writing, as  you may already know, is very concise and direct.  There's not a lot of flowery language in it which allowed him to get to the point more quickly.  It's very efficient.  And now… there's an app for that.  And it's called hemingwayapp.com .  It's free.  You go there, paste in your composition, or write in the page and the app will analyze your writing as you go.  It will highlight areas where your sentences and paragraphs can be made more simple. We talk about her roommates in her flat… there's 5 of em!  She brings up the term “Cultural Capitol” which is a theory created by this french guy Pierre Bordieu who was a French sociologist and public intellectual.  Seriously?  There's an occupation called Public Intellectual?  What's the annual salary of a Public Intellectual.  I'm a private intellectual.  I'm the most intellectual person in my bathroom at any given time. Back to Cultural Capital.  I'm going to read you a few sentences about Cultural capital and the sentences are a little too complex to be comprehended by some individuals, which lowers their Cultural capital and creates further inaccessibility.  Inaccessibility to knowledge.  Confused?  Me too. Cultural capital is defined as the social assets of a person that can be used to increase one's chances of success in life. These assets can be either tangible, such as clothes or educational certificates, or intangible, such as knowledge or life experiences. While everyone has some form of cultural capital, those from higher social classes tend to have more of it. This is because they have greater access to resources that can help them develop their skills and talents. Additionally, they are more likely to inherit cultural capital from their families. Cultural capital is not a static concept; it can change over time as people gain or lose access to resources. For example, someone from a lower social class who manages to get a college degree has increased their cultural capital. Similarly, someone from a higher social class who drops out of school may have lost some of their cultural capital. And, the meaning of cultural capital is not necessarily static. The social assets that society values can shift over time. There are three types or “states” of Cultural Capital: 1) There is the “Embodied” state which is the capital you have from your life experiences, learning your A,B,C's and being read to all the way through education and socialization.  2) the second state is called the “Objectified” state, more commonly known about twenty years or so ago as “bling”, “cheddar”, “lit”, “Gucci”, etc. And it's not just slang as we see it everywhere.  I drive a Ford Pickup and you drive a Mercedes or a Lexus or a Tesla, you've got more “Objectitfied” cultural capital than me.  Your grocery bags say Whole Foods, my grocery bags say Grocery Outlet.  You get it.   3) Finally, there is “Institutionalized” Cultural Capital which is the way society measures social capital.  The classic example of this is formal academic degrees; a masters degree carries more capital than a bachelors degree, a PhD even more and so on.  And let's not forget the degrees on the opposite end of academia, that being degrees from the School of Hard Knocks.  Depending on the culture, there may not be much perceived value on a degree from that institution or street smarts, but if  you do have it, you can still  gain your objectified capital (cha-ching). She uses the expression or notion that museums and the historically European art contained within is “The purveyor of absolute fact”.  And as part of the study of Art, she challenges that notion.  I hope I'm getting this right, otherwise she could sue me for defamation! The point, as I understand or misunderstand it is when she says there should be multiple entry points that visitors to a museum can access the art.  Something for everyone.  I liken it to the ski trails at a ski resort.  There's the green circle or the bunny  hills.  If you know a little more about art you can tackle the blue trails; I think it's a blue square?  Then if you're really down with the art, you can tackle the black diamond explanation of the painting or whatever the hell you're looking at.   Okay, enough babbling out of me, it's time to learn about Art Accessibility, Scotland style.  Grab yourself an Irn-Bru, unless it's time for a wee bit o' whiskey.  As the lassie and me have a little Blether.  Keeut Tine-g .. to TMM.  Thanks for listening.   CLOSE - The Modern Moron equates Cultural Capital to Willie Wonka and The Chocolate Factory.  You know, as far as great speeches from a movie go, I will put Gene Wilder's rant up against the best of them.  Gordon Geko and his “Greed is Good” speech or even Gary Cooper in his “Luckiest Man on The Face of the Earth” speech… a lot of the best speeches are from sports movies.  Especially if you're a misogynist moron like me.  I think we should do an episode on the best speeches from great movies.  What do you think?  Maybe some of them would apply to today as much as when we saw them on the big screen?   But that is for another day.  Thank you to my guest and best wishes on her upcoming Masters degree.  Thank you for listening and we'll see  you next time on TMM. Cultural Capital Theory & Examples | What is Cultural Capital? - Video & Lesson Transcript | Study.com  Understanding Ernest Hemingway's Incredible Writing Style - bookanalysis.com   https://hemingwayapp.com/   

Airbnb hosts are kind of a lot these days. The house rules! Cleaning requirements!! Quiet hours!!! Kristina & Steph chat through the current state of short-term rentals along with how their properties are holding up. Bonus: We were on track to get our own reality TV show earlier this year! But, the stars simply did not align. We'll share what's next for us...Get in TouchComments, suggestions or feedback? Email us at podcast@openhouseaustin.coWant to hear more from Open House? Follow us on Instagram and check out our website!Please stay tuned for more episodes every Tuesday, and subscribe so you don't miss them! You can find us on Spotify, Stitcher and Apple Podcasts.Related Resources Connect With a RealtorSubscribe to our YouTube channel - new content on the way!Blog Post: "8 Tips to Airbnb Out Your Space & Generate Passive Income"Blog Post: "5 Questions You Should Ask Your Mortgage Lender In This Real Estate Market"Blog Post: "4 Unique Things to Consider When Buying a House in Austin, TX"First-Time Home Buyer Mini-CourseBuying a House With Friends Mini-CourseReel: The perfect day in Austin, TXTikTok: The difference between a 'Home Equity Line of Credit' & 'Home Equity Loan'

9/12/2022 What is the best way to get cash out of your home? Is it with a Home Equity Line of Credit, a Home Equity Loan, or a good old fashioned refinance? Do you know what might happen to your Home Equity Line of Credit if property values fall? Tune into today's episode as we talk about the options available to take cash out of your property! Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Text "MOM" to 844-935-3634 to receive a link once a week to join the show. Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NC, NV-57237, MO, OR, TN-184373, TX, WA-MLO-237926

You have probably heard of the term HELOC or home equity loan. These are loans against the appraised value to the balance you owe, or otherwise known as the equity in your home. When looking at the equity that you have available to you, you may be tempted to not have it sit there when it could be used for other purposes. Home equity is something that you should be careful not to tap into unless it is to increase in value or especially the value of your home. If you have determined the use of the home equity product, the options we are covering are quite simple.Margin Membership Sign-up: https://millennialmargin.com/learn/How are your finances doing? Take the quiz: https://i2tvdm52vbg.typeform.com/to/YFcT68CWJared created Millennial Margin out of necessity, as he has watched countless people schedule-away, mortgage-up, and max-out their lives. Margin is simply the antithesis, providing leeway in an increasingly margin-less culture.Subscribe for daily tips and discussions about how to better manage your personal finances and, by extension, your margin.Listen to the podcast: https://margin.simplecast.com/Have a question? Contact Jared at jared@millennialmargin.comFollow Millennial Margin: facebook.com/millennialmargin, instagram.com/millennialmargin1, or simply visit millennialmargin.comGoal/Disclaimer: My goal with [Margin] is to prepare you with the knowledge but then inspire you to act on that knowledge. My goal is to be in your corner bridging the gap between your trusted CPA, attorney, and financial planner. My advice is simply from my own personal experiences and is not meant to override or replace professional advice from your trusted investment professional. The content found here is for entertainment purposes only. 

Now featured at BuyLocalBerrien.com from the Southwest Michigan Regional Chamber, a great profile on how to improve your home using a Home Equity Loan or Line of Credit from Horizon Bank. Now featured on BuyLocalBerrien.com Sponsored by Horizon Bank, Local Pour, The Buck Burgers & Brew, State Street Meats, Caffe Tosi, and Plank's Tavern on the Water. If your home needs improvements, Horizon Bank could be the perfect solution for you! Did you know that making upgrades to your home can make a big difference in increasing your home's value while also making your living space more enjoyable and comfortable? If you've thought about these needed projects but hesitated at the cost, a Home Equity Loan or Line of Credit from Horizon Bank could be the perfect solution. One of the best ways to finance home improvements is to use the existing value of your home to add additional value to your home. With this idea in mind, here are some helpful tips for planning home improvement projects: Evaluate your home's needs Research contractors Get on the schedule Fund your project These tools from Horizon Bank can accomplish your funding needs to renovate your home, but they can also do more! You can use the value of your home for a loan or line of credit that can be used to pay off a debt, help a child through a college, buy a new vehicle, and more. Visit HorizonBank.com, visit a local branch, or call 888-873-2640 today to find out how a Home Equity Loan or Line of Credit can help you achieve your goals. Those goals are within reach, and Horizon Bank's advisors are ready to help you through every step of the way. This article – and your next personal finance tip – are brought to you by our Title Sponsor, Horizon Bank. Founded as a community bank in Michigan City, Indiana, Horizon Bank has been putting down roots the right way ever since. Advisors are purposely hired from local communities and empowered to act. Why? Because local knowledge is the most valuable knowledge. Join the Facebook group for recommendations on local businesses and subscribe to our weekly email updates at BuyLocalBerrien.comSee omnystudio.com/listener for privacy information.

Getting a home equity loan or line of credit could be the worst or best idea you've ever had. It all depends on what you plan to do with it. Hang out with Kris and find out when you should leverage a home equity loan and how you can use it to put yourself in a really great place financially.

In this episode, our host, Pepe, talks about the Home Equity Line of Credit and Home Equity Loan. He talks in depth about what they are, their advantages and disadvantages, and what investors should keep in mind before reaching out to lenders to inquire about these loan programs. He also hypes up the importance of leverage, building a good credit score, and so much more.

Adam Carroll is an internationally recognized financial literacy expert, the creator of Broke Busted & Disgusted (a documentary about student loan debt), and a two time TEDx speaker with his talk from the London Business School surpassing 5 million views on YouTube and TED.com. Adam is the founder of The Shred Method and the curator of MasteryofMoney.com.  Websites and Handles:www.theshredmethod.com

Jared created Millennial Margin out of necessity, as he has watched countless people schedule-away, mortgage-up, and max-out their lives. Margin is simply the antithesis, providing leeway in an increasingly margin-less culture. Subscribe for daily tips and discussions about how to better manage your personal finances and, by extension, your margin. Listen to the podcast: https://margin.simplecast.com/ Have a question? Contact Jared at jared@millennialmargin.com Follow Millennial Margin: facebook.com/millennialmargin, instagram.com/millennialmargin1, or simply visit millennialmargin.com Goal/Disclaimer: My goal with [Margin] is to prepare you with the knowledge but then inspire you to act on that knowledge. My goal is to be in your corner bridging the gap between your trusted CPA, attorney, and financial planner. My advice is simply from my own personal experiences and is not meant to override or replace professional advice from your trusted investment professional. The content found here is for entertainment purposes only. W37E1

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services talk about How To use a Home Equity Loan to finance the construction of an Accessory Dwelling Unit (ADU) or a Jr.ADU. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Are you looking for a little extra cash? Have you considered the money in your home? No, I am not talking about taking out a Home Equity Loan. I am talking about finding literal money in the stuff lying around your house. Check out this episode as Drew talks about 3 ways you can find more money in your home today!

Gabe Bodner, Reverse Mortgage specialist at The Rueth Team joins Nicole for this episode. #1 myth: you give up the title of your house with Reverse Mortgage. Bank or lender takes over the house. FACT: You still own the house. #2 myth: you can no longer pass the house to your heirs. FACT:  your heirs can inherit the home, pay off the reverse mortgage and inherit the additional equity above the reverse mortgage. #3 myth: You're losing equity FACT: Not losing but USING some of your equity. Interest is added back to the loan through negative amortization. This does eat away at some of the equity, but based on interest rates on traditional loans, and growth and appreciation, you gain more equity than you are using and saving money on the loan if you need it. #4 myth: You have to own your home free and clear FACT: The existing mortgage balance can be absorbed or paid off. This should be a loan of last resort.  You have a better probability of financial success by utilizing a reverse mortgage sooner because it's a more efficient use of the equity in retirement. Can I use a reverse mortgage for purchase OR a refi? Yes. If I pull money out for a reverse mortgage are you limited on what you can use it for? The equity money can be used for anything you want, including acquiring more real estate, paying taxes, gifting, converting an IRA to a ROTH IRA. The proceeds received are TAX-FREE because it's considered a loan. Listen to Nicole's happy ending story of how one couple retired and bought two income properties wiping out their mortgage and bringing in steady income. Some additional information you may find helpful. ----more---- Comparison between Home Equity Loan, HELOC, and Reverse Mortgage: Key Differences Reverse mortgages, home equity loans, and HELOCs all allow you to convert your home equity into cash. However, they vary in terms of disbursement and repayment, as well as requirements, such as age, equity, credit, and income. Based on these factors, here are the key differences among the three types of loans. Disbursement Reverse mortgage: monthly payments, lump-sum payment, line of credit, or some combination of these Home equity loan: a lump-sum payment HELOC: as-needed, up to a pre-approved credit limit—comes with a credit or debit card or a checkbook Repayment Reverse mortgage (deferred repayment) loans are due as soon as the borrower becomes delinquent on property taxes or insurance or under other certain circumstances. Home equity loans involve monthly payments made over a set amount of time with a fixed interest rate. HELOCs involve monthly payments based on the amount borrowed and the current interest rate. Age and Equity Requirements Reverse mortgage: must be at least 62 and must own the home outright or have a small mortgage balance Home equity loan: no age requirement and must have at least 20% equity in the home HELOC: no age requirement and must have at least 20% equity in the home Credit and Income Status Reverse mortgage: no income requirements, but some lenders may check that you can make timely and full payments for ongoing property charges, such as property taxes and insurance Home equity loan: a good credit score and proof of steady income sufficient to meet all financial obligations HELOC: a good credit score and proof of steady income sufficient to meet all financial obligations Tax Advantages Reverse mortgage: none, until the loan terminates Home equity loan: for tax years 2018 through 2025, interest-only tax deductible if the money was spent for qualified purposes—to buy, build or substantially improve the taxpayer's home that secures the loan HELOC: same as for a home equity loan  

Today on the show: It’s CRAZY how much money companies specifically Pfizer have made off of the COVID vaccine. Pure profit. Morally, how should we feel about this? We’ll ask Jill Schlesinger, she’s the CBS News Business Analyst, host of the Jill on Money show She was on Spezzano and Sandy the radio morning show I cohost and I thought I’d share it here with you. Also on the show today, in our "No Dumb Questions" segment You might be itching to renovate the house, so what IS the difference between a Home Equity Line of Credit and a Home Equity Loan? CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management will explain. And in the last 10 min of the show, we’ll "Take a Seat at the Kids Table" When one of your kids comes to you asking for money, what is the right way to help bail them out yet still keeping it fair so the other kids in the family don’t become resentful? Susan Beacham founder of Money Savvy Generation pulls from her decades of working with families. The valuable lesson every parent needs to know Follow Susan on Facebook Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this honest recollection of the time when we were buying our home - 5 years ago - that we live in now. The obstacles and difficult times, how we overcame all that and how you should never give up on your dreams and goals! I hoped you will enjoy listening to this episode. Have a question? Contact me on: Blog - Cottage Ruffles | Sewing, Homemaking & Simple Lifestyle Send me voice message on podcast - https://anchor.fm/cottageruffles/message Facebook - Cottage Ruffles | Facebook Pinterest - Pinterest Instagram - Cottage Ruffles (@cottageruffles) • Instagram photos and videos Twitter - Cottage Ruffles (@cottageruffles) / Twitter I am part of School of Stitched Textiles Affiliate Marketing Program. It's the largest Online Textiles School in the UK and these courses can be taken anywhere in the world. They have some free courses as well - please see links below. And after course completion, you receive a certificate! FREE Hand Embroidery Basics Course - https://creativeclassroom.sofst.org/p/freeembmini?affcode=196227_qymbavxh FREE Course How to make Applique Bunting - https://creativeclassroom.sofst.org/p/how-to-make-bunting?affcode=196227_qymbavxh *** If you will end up buying any of the courses below through the links, I will receive commissions. Thank you for your support :) *** BEGINNER COURSES: £150.00 Learn Applique: a step by step introductory course - https://creativeclassroom.sofst.org/p/learnapplique?affcode=196227_qymbavxh Learn Drawing for Design ; a step by step introductory course - https://creativeclassroom.sofst.org/p/drawingfordesign?affcode=196227_qymbavxh Learn Jacobean Crewelwork embroidery; a step by step introductory course - https://creativeclassroom.sofst.org/p/crewelwork?affcode=196227_qymbavxh Learn Hand Embroidery; a step by step introductory course - https://creativeclassroom.sofst.org/p/learn-hand-embroidery?affcode=196227_qymbavxh Learn Crochet: a step by step introductory course - https://creativeclassroom.sofst.org/p/beginnerscrochetcourse?affcode=196227_qymbavxh Learn Patchwork and Quilting: A step-by-step introductory course - https://creativeclassroom.sofst.org/p/learn-patchwork-and-quilting?affcode=196227_qymbavxh Learn Goldwork Embroidery ; a step by step introductory course - https://creativeclassroom.sofst.org/p/goldwork?affcode=196227_qymbavxh Learn Needlefelting ; a step by step introductory course - https://creativeclassroom.sofst.org/p/learnneedlefelt?affcode=196227_qymbavxh Learn How to Knit: A Complete Guide for Beginners - https://creativeclassroom.sofst.org/p/knitting?affcode=196227_qymbavxh Learn Stumpwork Embroidery: A step-by-step introductory course - https://creativeclassroom.sofst.org/p/learn-stumpwork-embroidery?affcode=196227_qymbavxh Learn Freeform Machine Embroidery (4 projects included) - https://creativeclassroom.sofst.org/p/learn-creative-freeform-machine-embroidery?affcode=196227_qymbavxh Speak Soon xxx --- Send in a voice message: https://anchor.fm/cottageruffles/message

Home Equity Loan vs Home Equity Line of Credit: a quick comparison between the two options. Show notes and transcript at: https://www.easypeasyfinance.com/comparison-home-equity-loan-vs-home-equity-line-of-credit-heloc/

Everything you need to know about home equity loans: What is Home Equity Loan or a Second Mortgage, How does a Home Equity Loan work, Is the interest rate for a Home Equity Loan fixed or adjustable / floating, What are the benefits of a Home Equity Loan, Are there any disadvantages of taking a Home Equity Loan, Is a Home Equity Loan or a Second Mortgage the only way to convert your home equity into cash, and more. Show notes and transcript at: https://www.easypeasyfinance.com/what-is-a-home-equity-loan-or-a-second-mortgage/

Gregory review: Carrie in Old Metairie wants to know how to give money to her kids beyond the normal annual gifting limit in the tax code. Byron in Metairie reminds you that gifting beyond the tax limits can be filed against the estate tax basis. If you turn Full Retirement Age for Social Security this year, you may want to take advantage of the different rules for your FRA year. Dwayne Stein of Mortgage Gumbo explains how a storyline from the Tiger King show isn't so far fetched. Can you borrow money from your wife's trust to buy a beach house, and pay the trust back like a mortgage? It's a sellers market, but homeowners are staying put for a median of 13 years. With eviction moratoriums freezing small landlords, and fewer homes available, the real estate market is incredibly tight. Mike in New Orleans asks if he can get a mortgage for more than the property is worth. Paul in Amite wants to refi to pay off his variable HELOC. Can Michael in Kenner do a mortgage refinance to pay off his Home Equity Loan and tax debts? Ron in New Orleans asks Gregory and Dwayne if Title Lock Insurance is a necessity. What happens if you've gifted enough money to use up your lifetime exclusion for the Estate Tax, and then the estate threshold gets lowered? Are you on the hook for taxes on that gifted amount? If you turn Full Retirement Age this year, these are the special rule changes you need to know about. Wayne in Slidell is buying a house. Should he put more money into the down payment, or should he invest that money? http://www.WinningAtLife.com

Journey into the heart of DeFi darkness as Edwardo taps into the equity of his bitcoin via the ERC-20 token WBTC: Wrapped Bitcoin. Visit the site at https://www.blacksinbitcoin.com. SUPPORT BiB! Get BiB swag: https://www.zazzle.com/blacksinbitcoin Signup with Gemini: https://gemini.com/share/qne8lefe Get altcoins at Bittrex: https://bittrex.com/Account/Register?referralCode=GGH-THJ-NJ5 Black People & Cryptocurrency: https://www.facebook.com/groups/blackpeoplecryptocurrency Tip some BTC: 182CAY4NdWPXu8rGu6MwLb8Gtnb1YdXMSr LINKS! Wrapped Bitcoin Tutorial: https://youtu.be/rIOaHb1F4RM Coingecko: https://www.coingecko.com/ Aave DeFi Marketplace: https://aave.com/ Just Network of TRX DeFi: https://just.network/

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29 We all know that saving money is good, preparing you for the future and giving you peace of mind. Saving money, however, is just not fun sometimes. To save money, you have to deny yourself things you may want or desire. You have to prioritize your needs over your wants. Today, host Rob West and Steve Moore talk about ways to make saving more enjoyable and more. We dont save just to save, we do it to honor our Lord. Instead of thinking of yourself as a consumer, think of yourself as a steward. You can make stewardship and saving into a fun game. Challenge yourself to cut $100 from your monthly spending. You can do it any number of ways, and the reward is very real. You gain the satisfaction of taking a positive step towards improving your finances. You make the reward real by setting milestones along the way and celebrating them. When you have $500 saved up, treat yourself to dinner or something nice within your budget. Your ultimate goal is to have an emergency fund with 3 to 6 months living expenses in it. Rob mentions using the MoneyWise app to help set up your budget and kickstart your saving. Here are a couple of questions we answered from our callers on todays program: I was told about something called a Home Equity Loan that would take the place of my mortgage at a lower interest rate. Would it be a good idea to take that loan? (Rob mentions BankRate.com). Im trying to save for the future and buy a house. I live on a budget and Im currently living with a friend. What would you say is the best way for me to save and prepare for the future? Ask your questions at (800) 525-7000 or email them toQuestions@MoneyWise.org. Visit our website atMoneyWise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources like the MoneyWise app. Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

We're still out of breath from the election, but we are breathing a little easier. But Covid-19 is on the rise again and the holidays are coming up. It's going to be a hard year for family gatherings (or lack thereof). We hope you stay safe and give yourself some time off if you can. But we still need to find time to celebrate the good things. And one super good thing we can celebrate is Tiff released the cover for her book, Get Good With Money (2:15)! The book is coming in March 2021. But in the meantime you take the financial wholeness quiz to see how close you are to being financially whole. We've got some great questions for you this week like: (25:00) I'm just having a lot of trouble saving money. Is it actually possible for me to save money when there just doesn't seem to be enough? (31:20) I own a home that's in need of a LOT of work. I took a home equity loan for the repairs. I haven't spent the money yet because of the pandemic. Should I hold onto that money or go ahead with the repairs? Check out these links for more info:BA Episode with Christina and Amon from Our Rich JourneyOur Rich JourneyOur Rich Journey JrWhat's a Home Equity Loan?Pixel LabCorp Covid-19 TestNeal Katyal on IGStay Tuned with Preet Podcast Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.

We're still out of breath from the election, but we are breathing a little easier. But Covid-19 is on the rise again and the holidays are coming up. It's going to be a hard year for family gatherings (or lack thereof). We hope you stay safe and give yourself some time off if you can. But we still need to find time to celebrate the good things. And one super good thing we can celebrate is Tiff released the cover for her book, Get Good With Money (2:15)! The book is coming in March 2021. But in the meantime you take the financial wholeness quiz to see how close you are to being financially whole. We've got some great questions for you this week like: (25:00) I’m just having a lot of trouble saving money. Is it actually possible for me to save money when there just doesn’t seem to be enough? (31:20) I own a home that’s in need of a LOT of work. I took a home equity loan for the repairs. I haven’t spent the money yet because of the pandemic. Should I hold onto that money or go ahead with the repairs? Check out these links for more info: BA Episode with Christina and Amon from Our Rich Journey Our Rich Journey Our Rich Journey Jr What's a Home Equity Loan? Pixel LabCorp Covid-19 Test Neal Katyal on IG Stay Tuned with Preet Podcast

With the rising cost of a college education, it can be challenging to come up with the money to pay for higher education. Student loans, grants, scholarships, and college savings plans can all help with financing a college education. However, sometimes even with several different funding sources there just never seems to be enough money for a college education. For a homeowner, taking out a home equity loan or line of credit can appear to be a solution to funding a college education. However, the cons of doing this will almost always outweigh the advantages for numerous different reasons. Borrowing from the equity in a home to fund college is not a good idea. The cost of doing this could end up being the most valuable thing a person has and this is a place to live. This podcast episode talks about why taking a home equity loan is not a good idea for funding a college education.   Visit Our Website: https://smartstartmoney.com Subscribe to the Podcast:  https://smartstartmoney.podbean.com/ Questions or Comments About the Podcast? Email: info@smartstartmoney.com   Pinterest: https://www.pinterest.com/smartstartm... Facebook: https://www.facebook.com/Smart-Start-... Linkedin: https://linkedin.com/in/smart-start-m... Instagram: https://www.instagram.com/smartstartm...    

Hello everyone and welcome to the 800+ Financial Freedom Podcast. I am your host Financial Life Coach Selena G. Today I will be sharing with you the difference between refinancing vs. home equity loan. Refinancing pays off your old mortgage in exchange for a new mortgage at a lower interest rate. A home equity loan gives you cash in exchange for the equity you've built up in your property as a separate loan.Both Home equity loans and refinances can have financial benefits. To determine the best option for your household, you'll want to take your total home equity into an account, as well as your goals, preferred repayment timeline, and how long you plan to stay in the home. Make sure to shop around for the best rates, as rates and closing cost can vary greatly from lender to lender.I am glad I was able to share this information with you on today now you know the difference between a refinance vs, home equity loan.**Don't forget to go on Amazon to purchase my new book "The Ultimate Guide and Tips Towards Financial Freedom" You will Truly be Bless. I am so glad that you have tune in to the 800+ Financial Freedom Podcast share it with your family and friends now Go and be GREAT!!!

In this episode David and Cindy review a cash out refinance versus a home equity loan versus a home equity line of credit. They also provide an analysis of what may be the best option to use one of these loans and the drawbacks to borrowing the money. In the Coronavirus montage they discuss the story of a woman who cut off her hand in an effort to receive an insurance payout and the story of a national park in Thailand that sends people's litter back to them and posts it on social media. https://www.instagram.com/somm.podcast/ https://www.somethingonmymind.net/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast

Today on the show... We break down the difference between a Home Equity Line of Credit and a Home Equity Loan in “No Dumb Questions” with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management Plus, The biggest surprises that catch most people off guard when buying a new house. Rachael Wexler from Keller Williams and Rich Short from Advantage Federal Credit Union are here We end the show today like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask  their kids-How do you decide which college to go to? We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents. Here's the link to Susan's article that we referred to: http://susanbeacham.com/the-money-talk-pays-off-heres-proof/#commentform Today our Money Victory shout out goes to Laurie Berry DiBerardinis! Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! See omnystudio.com/policies/listener for privacy information.

So you need some money. Which is better a home equity loan or a home equity line of credit? Although 2 Minute Money Manager has been discontinued, it lives on in our awesomely growing podcast: MONEY with Stacy Johnson - Check it out at: https://www.moneytalksnews.com/podcasts/ Support this podcast at — https://redcircle.com/2-minute-money-manager/donations

This is a quick episode in which Lauren and Aric discuss the difference between a home equity line of credit and a home equity loan. If you want to dive deeper into home equity, check out this blog, How Changes in the Housing Market Affect Home Equity: https://www.realadultingiseasy.com/post/how-changes-in-the-housing-market-affect-home-equity The corresponding blog for the episode is here: https://www.realadultingiseasy.com/post/home-equity-line-of-credit-vs-home-equity-loan

Welcome to Ask a YFP CFP®, a new segment of the Your Financial Pharmacist Podcast! On today's show Tim Baker, CFP®, takes this question from Maliha in Dublin, California: Should I use a home equity loan to pay off my student loans? Mentioned on the Show: YFP Planning Refinance Your Student Loans YFP Facebook Group Send in your questions here or to info@yourfinancialpharmacist.com Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's personal situation when answering a question.

Home equity loans can be a useful tool for achieving your financial goals. During this episode of Good Money Moves, Jenna Taubel and Craig Petterson with First Alliance Credit Union explain the process of obtaining a home equity loan and the differences between a regular home equity loan and a home equity line of credit, or HELOC.

When James Kandasamy and his wife took out a $50,000 home equity loan to invest in real estate, they never dreamed the loan would turn into over 800 units and $56 million in real estate assets 5 years later.  In this podcast, James shares how he discovered the power of leverage, multifamily re-positioning and effective asset management to quickly build his real estate empire. For complete show notes go to http://olddawgsreinetwork.com/best-of-50k-into-56-million/ IF YOU LIKED THIS PODCAST, we would love if you would go iTunes and Subscribe, Rate & Review our podcast.  This will greatly help in sharing this podcast with others seeking to learn.

In this episode KT discusses:    ·      The state of the real estate market·      Advice for buyers·      Advice for sellers Key Takeaways: ·      The power of the Home Equity Loan·      What today’s home buyers and Gen X have in common·      Don’t get Real Estate FOMO  Quote: “(Young Homebuyers) think about financial stability, choice and flexibility in their lives, they think about managing overall costs, they want to be able to change if it’s not working.” - KT Click here to reach KTSee KT’s interview on C-Suite Network’s Best Seller TVConnect with KT Thomas: http://ktsmoneymatters.com/Purchase KT’s book- The Hardworking Woman’s Guide to Money  Learn more about your ad choices. Visit megaphone.fm/adchoices

Knowing this could improve your personal wealth in years to come

Knowing this could improve your personal wealth in years to come

In this listener question episode you'll hear if it's better to get a home equity loan or refinancing a property. With the current marketplace of low rates and high speculation this is for sure a dicey topic. Tune in with Kim D. H. Butler and Spencer Shaw to find out how to take control of your finances today. Do you have a question you would like answered on the show? Please send it to us at hello@partners4prosperity.com and we may answer it in an upcoming episode.   Links and Resources from this Episode For resources and additional information of this episode go to http://partners4prosperity.com/category/podcast Special Listener Gift Free eBook: Financial Planning Has Failed   Show Notes Get a home equity loan or refinancing the property? - 1:38 Kim explains the details of a home equity loan - 1:55 Are you solving a long-term problem with a short-term solution? - 3:43 Understanding mortgages - 4:48 Borrowed money requires payments - 5:32 What “liquidity” means in this case - 6:55 Kim tells us the importance of thinking carefully- 11:50   Review and Subscribe If you like what you hear please leave a review by clicking here Subscribe on your favorite podcast player to get the latest episodes. Click here to subscribe with iTunes Click here to subscribe with Stitcher Click here to subscribe with RSS

With the new GOP Tax Plan many people are wondering "Can I still deduct my home equity line of credit?" or just "How do you I know if I can deduct the Home Equity Line of Credit interest?" In episode 12, I'll guide you through Home Equity Loan and answer some questions about home equity debt.   Learn more about Mark Martiak Follow Mark on Twitter Mark Martiak on Facebook 

Bil Lako, CFP®, and Troy Harmon, CFA, CVA, are joined by Managing Associate, Shawna Theriault, C.P.A., CFP®,CDFA®, to talk about recently released guidance from the IRS regarding the deductibility of home equity loan interest in context of the Tax Cuts and Jobs Act.

For many, owning a home is one of the biggest financial investment you will make. Do you know how the new tax law impacts your mortgage or Home Equity Loan write-offs? Should you refinance your home or purchase your first one? Will mortgage interest rates still remain low or are they forecasted to increase? In this episode, host Mary Foley talks with Tiffany Barber, veteran mortgage specialist with Southern Trust Mortgage, a Sonabank partner that is headquartered in Virginia Beach with retail branches throughout the East Coast. They are a big supporter of the P.O.W.E.R. program because they are truly interested in helping women not only get the best rates, but also making the process as easy as possible. Listen and learn: The impact of the new tax laws on writing off interest on mortgages and Home Equity Loans (HELOCs) Why you should consider re-financing now rather than waiting What are typical mortgage interests rate today and what is forecasted for 2018 How mortgage rate trends impact first time home buyers, second homes, and investment properties differently The most common mistakes well-qualified people make when getting a mortgage or re-financing a home The process of getting a home loan and what to expect

Caller David wants to know what interest rate he could get on a new $400,000 house. Caller Ian wants to know if he should get a personal or auto loan to buy a car. Caller Chris has a trust fund and wants to know if he should invest. Caller Kelly talks about credit when buying a car. A texter wants to know if they should get a Home Equity Loan. Caller John wants to know the consequences of bankruptcy.

Book a call with our team: https://goo.gl/dezwHT This episode of Investing in Real Estate is brought to you by RealtyShares. With Realty Shares, hundreds of people invest fractionally, reducing the cost of the initial investment. If you have $5000 and qualify, you can begin group investing. Visit realtyshares.com/IIRE to receive $100 toward your first investment! One of the best ways to rapidly build your real estate portfolio is to use the power of leverage. And if you own your primary residence, taking a loan based off of the equity can be immensely useful. There are a few ways to utilize this strategy, and many of you have asked whether a home equity loan or a HELOC is a better strategy. On this episode of Investing in Real Estate, I’m sharing my personal experience with HELOCs and home equity loans. I’ll discuss which financial product I prefer, and how to shop around for the best deal. Don’t miss episode 174 of Investing in Real Estate! “Investing in Real Estate has a laser focus on buy and hold rental properties in order to create passive income. Clayton shares tried and true methods for acquiring rental real estate, building net worth, and accelerating your financial freedom. This podcast utilizes expert interviews, case studies with normal everyday investors, and Clayton's own methods for achieving passive income. Learn how to acquire turnkey rentals, discounted properties, passive income and true legacy wealth!” - Clayton Morris

Ron Siegel of Anaheim Hills CA and Robert Mott of La Quinta CA will discuss current events, financial markets, politics, and even poking fun at the rest of the media in a live radio broadcast from Anaheim CA. Ron will discuss: Stated Income Loans; Ins and Outs of Wine Corkage Fees; Rents Still Skyrocketing; Take the Mystery Out of Bank Statement Loans; Financial Aid Terms Every College Student (and Parent) Should Know; Should you Finance Your Business with a Home Equity Loan;  ; and so much more! Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at                ·       800.306.1990  ·       Ron@RonSiegelRadio.com ·       www.RonSiegelRadio.com ·       www.SiegelLendingTeam.com ·       Twitter: @RonSiegel ·       www.Facebook.com/RonSiegelRadio    

Fast Talk with Vickey Wachtel and Co-Host Courtney Barker with Guest Brian Reese Brian has spent the last 10 years in the insurance business as part of Dagley Insurance and Financial Services. I worked closely with Realtors and Loan Officers and developed great relationships that allowed me to learn all sides of a real estate transaction. I am very excited to be joining a great team at Encompass Lending Group and starting the next chapter of my career.  

Home offices and home base businesses are the new legal tax shelter.   With todays powerful home internet services, you can run a major company out of your home.   The Administration is pushing the IRS to recognize the power of a home office and home business.  This new policy combined with President Regan small business tax laws  provides the blue print to deducting personal interest  and home interest as business interest.  New tax law allows a portion of your credit card interest and  home mortgage as a business expense. It is not merely the portion that relates to home office.  Oh yes, there  is much more.   In this episode you will learn about the 1987 tax breaks and how they work with the IRS new home office tax law. Learn how save taxes by  converting  your credit card interest and your home loan interest to deductible expenses. Listen and learn how more innovative tax plans for the cloud computer base  and home base business.    Amazon provides the best small business cloud system. Here is the link.

Home offices and home base businesses are the new legal tax shelter.   With todays powerful home internet services, you can run a major company out of your home.   The Administration is pushing the IRS to recognize the power of a home office and home business.  This new policy combined with President Regan small business tax laws  provides the blue print to deducting personal interest  and home interest as business interest.  New tax law allows a portion of your credit card interest and  home mortgage as a business expense. It is not merely the portion that relates to home office.  Oh yes, there  is much more.   In this episode you will learn about the 1987 tax breaks and how they work with the IRS new home office tax law. Learn how save taxes by  converting  your credit card interest and your home loan interest to deductible expenses. Listen and learn how more innovative tax plans for the cloud computer base  and home base business.    Amazon provides the best small business cloud system. Here is the link.