Podcasts about homes

9. Edward J. Larson Headline: The Bombardment of Norfolk: A Revolutionary Turning Point In January 1776, the Royal Navy's attack on Norfolk, Virginia, destroyed civilian homes and convinced colonists that reconciliation with Britain was impossible. George Washington viewed this aggression as a decisive catalyst for independence. (9)1776 NYC

In this solo episode of the Smart Real Estate Coach Podcast, I go straight into the trenches on a topic that frustrates most investors but fires me up: overpriced homes. Most investors run from them, argue with sellers, or waste time trying to prove them wrong. I want to show you why I love them, how to think about them differently, and how to turn them into real creative finance opportunities.     I break down why overpriced homes usually mean little competition, why motivation often reveals itself over time, and how to stop fighting with sellers over comps and instead move to their side of the table. I walk through the exact language we use to uncover motivation, how to position premium prices with premium terms, and why principal-only payments can make a "high" price completely workable. I also explain the one key question that tells you whether a seller is worth following up with or not.    If you want more subject-to deals, owner financing deals, and three-payday opportunities without chasing dead leads, this episode will help you see overpriced properties as one of the best niches in creative real estate.   Key Talking Points of the Episode   00:00 Introduction 01:26 A peek inside the In the Trenches Bootcamp 02:13 What most investors do wrong with overpriced homes 03:30 Why creative investors love overpriced homes 04:18 Stop sitting across the table from the seller 05:11 The key reframe: the market makes up the numbers 06:15 What happens in the conventional market 07:30 Why creative deals are the better path 09:10 Free discovery session with the Smart Real Estate Coach team 10:21 Sample scenarios: free and clear homes, sellers with mortgage and equity 11:03 Why longer terms can justify a premium price 12:11 The most important question in the whole script 13:20 How to decide your follow-up strategy 14:03 The Smart Real Estate Coach system in REI BlackBook 15:10 The one constant in real estate: market changes 16:20 Real 3 Payday potential and 6-figure deals 17:40 Subscribe, give feedback, and keep learning   Quotables   "The market makes up the numbers. You and I don't."'   "If we can't make the price work, maybe we can make the terms work." "There's never been a better time to be creative."   Links   Free Discovery Call https://smartrealestatecoachpodcast.com/discovery   3 Paydays® System Mastery Course - Use coupon code for 50% off https://smartrealestatecoach.com/qls Coupon code: pod   Apprentice Program https://3paydaysapprentice.com Coupon code: Podcast   Masterclass https://smartrealestatecoach.com/masterspodcast   3 Paydays Books https://3paydaysbooks.com/podcast   Strategy Session https://smartrealestatecoach.com/actionpodcast   Partners https://smartrealestatecoach.com/podcastresources

This is a free preview of a paid episode. To hear more, visit www.racket.newsMega investors are a mega problem. But not the only one.Narrated by Jared Moore

Rural households struggling to pay for heating oil are to receive government help with their bills. The war in the Middle East has had a massive impact on global supplies of oil, gas and fertiliser - pushing up prices. The Prime Minister has pledged to help people who have seen their bills soar: energy prices will be capped until the end of June; the cut in fuel duty has been extended until September; and the government's allocated £53 million to help vulnerable rural households with their heating oil bills. We speak to the Rural Services Network which welcomes the support, but says a long term strategy's needed to reflect the extra costs of living and working in the countryside.New laws to protect livestock from dog attacks are coming into force. It's the first time the law around livestock-worrying has changed since it was introduced more than 70 years ago The government says livestock numbers have doubled since then, and more people are visiting the countryside with their dogs. The changes include new powers for police; the use of DNA testing to identify dogs which attack; and dog owners can now be ordered to pay for the cost of seizing and detaining their dog. There'll also be scope to issue an unlimited fine - previously the maximum penalty was one thousand pounds. We speak to a dairy farmer from Cheshire whose livestock have been attacked about the difference the new laws will make.All week we're looking at food processing. We visit one of Scotland's biggest venison processors to hear how the raw product is delivered to them and how they deal with wildly fluctuating supplies. Presenter = Anna Hill Producer = Rebecca Rooney

Mark and Brad discuss Homes For Heroes and their mission to end homelessness for veterans, their villages, the program that helps get Veterans back on their feet, alcohol and cannabis, and healing modalities that work. With Homes for Heroes' high success rates, compassion and dedication, they continues to make a difference in the lives of many. You can find their website below and make a donation to help support them in their mission to end homelessness for the very people that stood on guard for us. Website: https://homesforheroesfoundation.ca/MERCH: ⁠https://www.wgy6.ca/Operation-Tango-Romeo.html⁠Sponsored by ShopVeteran.ca by Canadian Legacy Project-Support Veteran owned businesses and register your Veteran owned business for free.All opinions expressed by the guest belong to only the guest and are not always reflected by the host.The OTR podcast: The Trauma Recovery Podcast for Veterans, First Responders, and their families.Creator and Host Mark MeinckeSponsored by ⁠ShopVeteran.ca⁠ by Canadian Legacy ProjectProduced by Jessika DupuisSupport a Hero ⁠HERE⁠Recover Out Loud!Book your Guest Appearance ⁠HERE⁠Find the OTR podcast onFacebookInstagramSpotifyYoutube#CLP#H4H#OTR#Veterans#PTSD#Homelessness#Recovery#Addiction

Detroit's recently elected mayor, Mary Sheffield, says the city is done making people wait on the city a month or more for basic home repairs and new construction permits.  In this episode, I take you inside the new four‑point "housing playbook" to speed up renovations and build more single‑family homes across Detroit. You'll hear how same‑day permits are supposed to work, why the city is betting on pre‑approved home design templates, and what that could mean for the hundreds of thousands of homes Detroit has lost over the decades. If you're interested in the city as a contractor, developer, official, or most importantly, resident or someone who'd like to live here some day... you'll want to tune in.   Feedback as always: dailydetroit@gmail.com Support the work: https://www.patreon.com/DailyDetroit  

To watch a video version of this podcast, click here: https://youtu.be/U0ALmS9vUC0In this episode, Reuben Saltzman and Tessa Murry talk with Sophie Ashley of Energy Vanguard about her journey from hands‑on carpentry and post‑Katrina rebuilding work to becoming an HVAC designer for high‑performance homes. Sophie shares how her field experience shaped her understanding of building science and why proper load calculations, ventilation strategies, and dehumidification planning are essential for modern airtight homes.The conversation also explores the challenges of open‑cell spray foam, moisture buildup in encapsulated attics, and what builders and inspectors often overlook in new construction. Sophie breaks down heat‑pump retrofits, electrification trends, and the importance of balancing comfort, durability, and system design—offering practical, science‑based insights for anyone working with or living in high‑performance homes.Here's the link to Inspector Empire Builder: https://www.iebcoaching.com/eventsYou can check out Energy Vanguard website here: https://www.energyvanguard.com/TakeawaysTight, high‑performance homes often require dedicated dehumidification, even in northern climates.Open‑cell spray foam allows moisture movement, which can raise attic humidity and impact roof decks.Proper HVAC design requires accurate load calculations, not rule‑of‑thumb sizing.Balanced ventilation (HRVs/ERVs) is essential in tight homes; Minnesota enforces some of the strictest standards.Retrofitting heat pumps into existing homes requires duct evaluation—it's not a simple swap.Many builder issues stem from overlooked details: attic access leaks, duct issues, missing covers, and ceiling‑plane air leaks.Electrification is growing, but homeowners must understand system impacts and design considerations.Chapters00:00 — Introduction02:00 — Sophie's Background & Career Path05:00 — High‑Performance Building & HVAC Design11:00 — Ventilation, ERVs & Climate Differences15:00 — Dehumidification in Airtight Homes17:00 — Moisture Problems with Open‑Cell Foam22:00 — Solutions: Conditioning Attics & Diffusion Ports26:00 — Heat Pumps, Dual‑Fuel & Proper Sizing31:00 — Electrification Trends38:00 — Common New‑Construction Issues47:00 — Field Lessons & Moisture Failures52:00 — How to Reach Sophie53:00 — Closing Remarks

What separates agents who build real businesses from those who stay stuck selling just a few homes each year? In this episode, James and Keith sit down with Lisa Chinatti, broker-owner of Chinatti Realty Group, to unpack the mindset and systems that helped her go from selling a handful of homes per year to closing 82 transactions as a solo agent and eventually building a brokerage with over 100 agents. Lisa shares the daily prospecting habits that changed her career, why booking appointments became her single most important metric, and how treating real estate like a real business transformed her results. They also dive into leadership, building a team, running an in-house ISA department, and why diagnosing problems in your business before trying to fix them is critical. If you want practical strategies for building a sustainable real estate business, this episode delivers. Connect with Lisa on LinkedIn - Facebook - Instagram. Stay ahead of the market with insights from Zillow's Consumer Trends Report. This annual research breaks down what buyers and sellers are actually doing — and what they expect from their agents.  With 55% of buyers being repeat buyers, yet only 13% using their previous agent again, the message is clear: past performance doesn't guarantee future loyalty. Even more telling, nearly half of buyers and over half of sellers hire the first agent they contact.  Today's clients prioritize pricing strategy, negotiation expertise, and a seamless, organized offer process. If you want to position yourself as the agent they choose in 2026, start with the data.  Explore the full report and put these insights to work in your business. https://bit.ly/4rDZg3M Subscribe to Real Estate Insiders Unfiltered on YouTube! https://www.youtube.com/@RealEstateInsidersUnfiltered?sub_confirmation=1   To learn more about becoming a sponsor of the show, send us an email: jessica@inman.com   You asked for it. We delivered. Check out our new merch! https://merch.realestateinsidersunfiltered.com/   Follow Real Estate Insiders Unfiltered Podcast on Instagram - YouTube, Facebook - TikTok. Visit us online at realestateinsidersunfiltered.com.   Link to Facebook Page: https://www.facebook.com/RealEstateInsidersUnfiltered Link to Instagram Page: https://www.instagram.com/realestateinsiderspod/ Link to YouTube Page: https://www.youtube.com/@RealEstateInsidersUnfiltered Link to TikTok Page: https://www.tiktok.com/@realestateinsiderspod Link to website: https://realestateinsidersunfiltered.com This podcast is produced by Two Brothers Creative. https://twobrotherscreative.com/contact/  

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What you'll learn in this episode: ● How to use automatic presuppositions to create a sense of inevitability in your client's mind ● The power of embedded commands and why they make your suggestions more influential ● What tie-downs are and how they subtly guide buyers and sellers to agree with you ● How to layer multiple NLP techniques in a single conversation for maximum impact ● Why effective persuasion isn't manipulation—and how to use these tools ethically in real estate To find out more about Dan Rochon and the CPI Community, you can check these links:Website: No Broke MonthsPodcast: No Broke Months for Salespeople PodcastInstagram: @donrochonxFacebook: Dan RochonLinkedIn: Dan RochonTeach to Sell Preorder: Teach to Sell: Why Top Performers Never Sell – And What They Do Instead

Mark Dolan tears into the morning's biggest stories with former Met detective Peter Bleksley and ex-Labour MP Simon Danczuk. From the explosive Epstein–Mandelson–Prince Andrew photo fallout and fresh questions over political judgement, to the banned Iran-linked march that can still go ahead as a “static protest” — and the policing bill landing on you. Plus: the fiery claim that four in ten new homes could go to migrants, what that means for young Brits locked out of the housing ladder, and why Dolan says the country's being pushed to the brink. No filter, no fluff — just front-page fury and straight-talking phone-ins. Hosted on Acast. See acast.com/privacy for more information.

This week on Minnesota Military Radio: Honoring Service: Tribute, Veterans Homes Update, and 2026 Legislative Outlook. We open with a tribute to Sergeant First Class Nicole Amor of White Bear Lake, Minnesota, and reflect on the sacrifices made by our service members and their families every day. The program features an in-depth conversation with Diane […] The post Honoring Service: Tribute, Veterans Homes Update, and 2026 Legislative Outlook appeared first on Minnesota Military Radio.

A man over in Spain tried to hack into his own vacuum cleaner robot, but instead, he accidentally hacked into 7,000 different vacuum robots—giving him direct access to live video feeds within people's homes. Basically, he discovered a backdoor within these Chinese-made robots that made them extremely insecure.This meant that if you had one of these vacuums in your home, he (and anyone else who knew about this feature) could literally see inside your home through the camera lens at the top of the unit.Let's go through the details of this case together.

Send us a text!As Trump recently announced 50-year terms on mortgages, many young families are unsure how they will afford a home. In this episode, we talk with Stephen Totter about his new initiative with Exchequer & Cross, which relies on precious metal backing for an alternative mortgage strategy. This is a patronage project aimed at rebuilding Christendom and solving a huge problem for young families.Join us at the New Christendom Press conference, The War for Normal, this June 11-14 in Ogden, Utah.https://thewarfornormal.com/Did you know supporters of the show get ad-free video and audio episodes delivered early and access to our patron exclusive show the After Hours and interactive live streams with Eric and Brian?       https://www.patreon.com/thekingshallOur new books are now in stock and shipping. Save 15% if you order them together! Get them here!This episode is sponsored by: Lux Coffee Company; Caffeinating the New Christendom with artisan roast coffee. Get 15% off your coffee with code "NCP15". https://luxcoffee.co/Armored Republic: Making Tools of Liberty for the defense of every free man's God-given rights - Text JOIN to 88027 or visit: https://www.ar500armor.com/ Talk to Joe Garrisi about managing your wealth with Backwards Planning Financial.       https://backwardsplanningfinancial.com/Receive top-tier musical training from Bohnet Music Academy. https://www.bohnetma.com/ncpVisit KeepwisePartners.com or call Derrick Taylor at 781-680-8000 to schedule a free consultation. https://keepwise.partners/Christian business owners go to reformedbusinessalliance.com/ncp and use code NCP to claim your free month. Invest in your business, your family, and your future go to http://Appalachiadigital.com/ncp to book a strategy call.Go to Mt Athos for sustainably sourced goat dairy protein and other performance products. Listeners of the show get a 20% discount site-wide with code "NCP20".     https://athosperform.com/Book your free strategy call at https://www.bonifacebusiness.com/ Support the show:https://www.patreon.com/thekingshallSupport the show:https://www.patreon.com/thekingshall Support the show:https://www.patreon.com/thekingshall

The Listing Bits Podcast is now available on your favorite podcast player! Overview Greg Robertson sits down with Brett Humphrey, founder of Joynt, to discuss a new approach to housing affordability through co-ownership. Brett shares his background as a longtime software developer and entrepreneur, including selling a consulting business to Accenture before launching Joynt. The conversation explores how shared home ownership could help address affordability challenges by allowing multiple buyers to jointly purchase and manage property, along with the technical and legal infrastructure required to make that process safe and practical. Key Takeaways Founder background: Brett Humphrey spent decades as a software engineer and consultant before launching Joynt, an idea he had been considering since the early 2000s. Affordability challenge: The core problem Joynt aims to address is housing affordability, particularly in expensive markets like Southern California. Co-ownership model: Joynt enables multiple parties to co-own a home, providing tools and frameworks to handle ownership structure, responsibilities, and ongoing management. Making co-ownership practical: The platform focuses on reducing the complexity and risk of shared ownership by providing software tools and structured agreements. Shift in industry thinking: The discussion highlights the need for the real estate industry to think beyond traditional home purchases and consider alternative ownership models. Timing and market conditions: Rising home prices and affordability pressures make shared ownership models increasingly relevant. Links Joynt – https://joynt.com Brett Humphrey – brett@joynt.com General inquiries – hello@joynt.com Sponsors Aligned Showings — MLS-owned showing software built to simplify scheduling, improve communication, and keep MLS data where it belongs. Giant Steps Job Board – Built for organized real estate and PropTech, not generic tech bros and recruiters who don't know what an MLS is. Production and editing services by: Sunbound Studios  

Ep.331Most people grow up believing the American Dream means paying off your mortgage as fast as possible.But what if that mindset is actually costing you millions?In this episode, Gabriel Shahin breaks down a strategy often used by high-net-worth investors and mega millionaires: using mortgage leverage—especially interest-only mortgages—to grow wealth faster.Instead of aggressively paying down principal, the wealthy often keep their mortgage and deploy their extra cash into investments that generate higher returns.In this video, we cover:Why the wealthy often avoid paying off their mortgage early-The logic behind interest-only mortgages-How leverage can accelerate long-term wealth-The difference between principal payments vs investing the difference-How mortgages can act as a hedge against inflation-Why discipline is the key to making this strategy work-When this strategy does NOT make senseThe core idea is simple:If you're borrowing at 5% but investing at 7–10%, the difference can compound into millions over time.But this strategy only works for people who are disciplined investors and understand the risks.This video will challenge the traditional thinking about debt, mortgages, and wealth building—and help you start thinking about money the way the wealthy do.

Anne-Marie O'Reilly, National Advocacy Manager with Threshold, on the housing charity's data which shows more short term lets available than private rental homes.

The UK government is to support legislation to help survivors of mother and baby homes now living in the UK. It follows concerns that survivors aren't claiming the redress they're entitled to so as not to risk losing means-tested benefits. Patricia Carey, advocate for survivors of institutional abuse, told us what this new legislation will entail.

Where in the world am I? In San Diego, talking about Thessoloniki Greece, Part 1 Welcome to the  Dr. Mary Travelbest Guide podcast. I returned from a 90-day journey around the world, and I'm excited to connect with fellow travelers and share experiences for world peace. Here is an FAQ about plane or train travel, Thessoloniki Greece, Part 1, and also about a health issue you don't want when you travel. Give a listen. I guide you to solo travel experiences to bring out your best. The FAQ is: If you could take a plane or a train, which would it be and why? Answer:  If I have the choice between a plane and a train, Most of the time… I choose the train. Now let's be practical. If the distance is extreme — say, cross-country or intercontinental — the plane wins on efficiency. At this stage of life, I value my energy. Six hours in the air may beat twenty hours of transfers. But when are both realistic options? Train. Here's why. First, the train allows me to arrive gently. There's no stripping down at security, no liquid anxiety, no rushing to a distant gate. I walk onto the train. I keep my water. I keep my dignity. That matters. Second, the scenery. At 50+, we understand that the journey is not separate from the destination. On a train, I see villages, farmland, people waiting on platforms, laundry on balconies. I watch life unfold. A plane gives me clouds. Third, ease of movement. I can stand up. Walk. Stretch. Visit the café car. Talk to someone if I choose — or not. For solo women, that flexibility feels empowering. Fourth, arrival point. Trains typically drop you in the center of town. Planes drop you 40 minutes away, followed by taxis, shuttles, and more logistics. Simplicity wins. Now — here's where I get skeptical of my own bias. If I'm exhausted… If connections are complicated… If safety or night travel becomes a concern…Going from Oslo to Bergen this past summer, we had a 7-hour delay, stranded in Voss due to the heated tracks. That was not unusual, I later learned. Side note: I did enjoy my time in Voss and learned to slow down. If I anticipate a delay like this, I will absolutely take the plane. Comfort and safety override romance. So my answer? If time is short and distance is long,,,,, fly. If time is flexible and distance is reasonable, take the train and let the world move past your window. At this stage of life, we're not just getting somewhere. We're experiencing how we get there. And that is the difference.   60-second confidence challenge Your challenge today  Confidence Challenge in Greece and on trains. If you like today's Confidence Challenge, my book series delves deeper into train travel while walking through the 5 steps to solo travel, from easy to more challenging, with foreign-language communication tips. You can find the series at the link in the description.    See Book A for addressing this concern..  Find it on the website​​ at https://www.5stepstosolotravel.com/ or on Amazon. It's a several-part series. Today's destination is Thessaloniki, Greece Part 1 of 2   Greece: my bucket list trip: Arrival, Ancient Echoes, and Modern Reality Welcome to my planned Step 5 travel — the kind where you don't just visit a place… you live inside it. This week and next week, I'm taking you to Thessaloniki, Greece's second-largest city — layered with Roman ruins, Byzantine churches, Jewish history, and modern-day contradictions.    

Our co-heads of Securitized Products Research Jay Bacow and James Egan discuss the impact of upcoming regulatory changes on U.S. mortgage rates and home sales.Read more insights from Morgan Stanley.----- Transcript -----Jay Bacow: It is March and there's some madness going on. I'm Jay Bacow, here with Jim Egan, noted Wahoo Wa fan. James Egan: Hey, it looks like Virginia's going to be back in the tournament this year, hoping for a three seed, looking like a four seed. It's the first year that my son is really excited about it. So, hoping we can win a few games. Jay Bacow: Let's hope they don't lose the first game and make him cry like you did a few years ago. But … Welcome to Thoughts on the Market. I'm Jay Bacow, co-head of Securitized Products Research at Morgan Stanley. James Egan: And I'm Jim Egan, the other co-head of Securitized Products Research at Morgan Stanley. Jay Bacow: Today, with everything going on in the world, we thought it'd be prudent to discuss the U.S. mortgage and housing market. It's Thursday, March 12th at 10:30am in New York. James Egan: Jay, as you mentioned, there is a lot going on in markets right now, but hey, people need to live somewhere. And those somewheres remain pretty unaffordable. But this administration has been very focused on affordability, and we also have some updates on what is clearly the most exciting part of the housing and mortgage markets – regulation. What's going on there? Jay Bacow: Look, nothing gets me more excited than thinking about the regulatory outlook for the mortgage market. We've been focusing a lot on what's happening in D.C. with possible changes that could be helping out affordability, changes to the investor program, changes to the policy rate. But Michelle Bowman, who is the Vice Chair of Supervision, has been recently on the tape saying that we could get an update and a proposal for the Basel Endgame by the end of this month; and that proposal for the Basel Endgame is likely to make it easier for banks to hold loans on their balance sheet. It's going to give banks excess capital and the combination of these, along with some other changes that are going to be coming from the Fed, the FDIC and the OCC around: For instance, the GSIB surcharge that our banking analysts led by Manan Gosalia have spoken about – it's really going to help out the mortgage market in our view. James Egan: Alright, so freeing up capital, helping the mortgage market. When we think about the implications to affordability specifically, what do you think it means for mortgage rates? Jay Bacow: Right. So, it's important that [when] we think about the mortgage rate, we realize where it's coming from. The mortgage rate starts off with the level of Treasury rates, and then you add upon that a spread. And the spread is dependent among a number of different factors. But one of the biggest ones is just the demand. And one of the reasons why mortgage rates have been so high over the previous four years was (a) Treasury rates were high, but also the spread was wide. And we think one of the biggest reasons why the spread was wide is that the domestic banks, who are the largest asset type investor in mortgages – they own $3 trillion of mortgages – basically weren't buying them over the past four years. And one of the reasons they weren't buying was they didn't have the regulatory clarity. And so, if the banks come back, that will cause that spread to tighten, which will likely cause the mortgage rate to come down. That is presumably, Jim, good about affordability, right? James Egan: Yes. And I want to clarify, or at least emphasize, that affordability itself has been improving. Over the course of the past four to five months at this point, we've been close to, if not at the lowest mortgage rate we've seen in three years. And when we think about what that has practically done to the monthly principal and interest payment on homes purchased today. Like that monthly payment on the median priced home is down $150 over the past year. That's about a 7 percent decrease. When we lay in incomes – or when we layer in incomes to get into that actual affordability equation, we're at our most affordable place since the second quarter of 2022. So yes, big picture, this is still a challenge to affordability environment. But it's not as challenged as it's been over the past three years. Jay Bacow: All right, so affordability improving. It's still challenged though. What does that mean for home prices then? James Egan: So, when we think about the home price implication of mortgage rates coming down; of mortgage rates coming down in an environment where incomes are going up – we're thinking about demand for shelter, purchase volumes and supply of that shelter. And demand really has not reacted to the improved affordability environment. That's not unusual. Normally takes about 12 months for affordability improvement to pull through in terms of increased transaction volumes. But we do think that the lock-in effect that we've talked about in detail on this podcast in the past, that is going to play a role here. Mortgage rates end of February finally hit a five handle, really, for the first time in three years. They're back above that now with the volatility in the interest rate markets. But from 4 percent to 6 percent, mortgage rates is effectively an air pocket. We don't think you're going to get a lot of unlocking at these levels. So we think that transaction volumes will pick up. We're calling for 3 to 4 percent growth in purchase volumes this year. But they've been largely flat for two to three years at this point. And more importantly, any improvement in affordability that comes from a decrease in mortgage rates is going to lead to commensurately more supply alongside that growth in demand – which is going to keep home prices, specifically, very range bound here. The pace of growth is slowed to about 1.3 to 1.5 percent right now. We've been here for four or five months. We think we're pretty much going to stay here. We we're calling for 2 percent growth, so a little bit acceleration. But we think you're in a very range bound home price market. Jay Bacow: All right, so home prices range bound, affordability improved. But still has a little bit of room to go. Some possible tailwinds from the deregulatory path that will make homes being a little bit more affordable. Fair amount going on. Jim, always a pleasure speaking to you James Egan: And always great speaking to you too, Jay. And to all of our regular listeners, thank you for adding us to your playlist. Let us know what you think wherever you get this podcast. And share Thoughts on the Market with a friend or colleague today.Jay Bacow: Go smash that subscribe button!

Large-scale hospice fraud is being uncovered in Los Angeles. This comes amid findings that around 31 percent of all hospice and home health care companies in the United States are registered in Los Angeles County.Meanwhile, the secretary of Housing and Urban Development recently explained how some illegal immigrants were taking advantage of taxpayer-funded housing by using a “mixed status” loophole.We'll discuss these topics and others in this episode of Crossroads.Views expressed in this video are opinions of the host and the guest, and do not necessarily reflect the views of The Epoch Times.

The city recently learned the Federal Emergency Management Agency won't reimburse for the cost of demolishing most vacant buildings destroyed during the May 16 tornado, leaving the future of the buildings and the north city neighborhoods in limbo. But STLPR's Kavahn Mansouri reports, the vacant buildings in the path of the tornado are just the most recent chapter in the city's long history of vacancy issues.

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

When uncertainty in the market is on the mind, many are struggling to be able to become a homeowner. We talked to an expert in the housing market and ask about buying a house right now. 

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Republicans are looking for a populist win — something they can point to and say they're “looking out for the folks.” Enter the 21st Century Road to Housing Act, a massive federal housing package packed with grants, subsidies, and federal involvement in local zoning.The problem? It solves nothing — and may make the housing crisis worse.In this episode, we break down:• Why subsidizing housing always pushes prices higher• How federal grants and loan programs distort local markets• The real issue with corporate ownership of single-family homes• Why tax policy — not subsidies — is the real lever to discourage corporate home buying• Why Washington has no business dictating zoning in local communities• How new federal powers could let the Treasury reshape housing markets nationwide• And the real reason housing supply stays tight: bad incentives in the tax code

For analysis of the new housing figures Lorcan Sirr, Technological University Dublin lecturer and housing policy analyst

What happens when we build homes on land that has already seen death, violence, and burial?In this episode of Paranormal Activity, Yvette & Karl investigate housing estates across the UK that sit on former battlefields, military barracks, and graveyards.Places where history didn't just happen… it left a mark.From the land surrounding Culloden Battlefield at Milton of Culloden, to the military training ground at Bulford, and the violent clash remembered at Linlithgow Bridge, we explore the chilling reports from residents living where soldiers once fought and died.We also step inside former military sites including Mill Street Barracks and Fulwood Barracks, where witnesses describe marching footsteps, shouted commands, and apparitions in uniform long after the troops left.And beneath some of our busiest cities lie burial grounds that were never meant to be disturbed.From plague burials beneath Spitalfields and Minories, to the modern controversy surrounding the HS2 Old Methodist Church site.Why do we keep building on these places?Do the hauntings reflect the kind of suffering that once happened there?Could the land itself remember the past?This episode explores the history, the hauntings, and the unsettling question at the heart of it all:When we build over the dead… do they really stay buried?A Create Podcast Hosted on Acast. See acast.com/privacy for more information.

Today's topic: the scullery.If you've never heard that word before, you're not alone. Is it a prep kitchen? A butler's pantry? A catering kitchen? Maybe a little bit of all of the above.Today we are breaking down why this feature is trending in larger homes and creative ways homeowners can add one without building a massive custom home.We also talk about something we believe strongly about when it comes to real estate:Your home should work for the life you want to live.Whether that means cooking for neighbors, hosting big holiday meals, meal prepping for the week, or simply keeping the mess out of the main kitchen, sometimes a thoughtful change to your layout can completely transform how you use your home.And the best part? Ideas like this don't have to be reserved for 10,000-square-foot luxury homes.If you're buying, selling, remodeling, or dreaming about your next home in Dallas or anywhere in North Texas, we love helping people think creatively about how their home can serve their lifestyle, their family, and even their generosity.Call or Text us 214-310-0008. or go to ToddTramonteTeam.com

Sun PM 3/8/2026

What does it take to turn an empty space into a true home? On this episode of The Women's Eye Podcast, host Stacey Gualandi talks with Treger Strasberg, founder of the nonprofit Humble Design, whose mission is simple yet powerful: design with dignity. Since launching Humble Design in 2009, Treger and her team have helped families transitioning into housing transform empty spaces into welcoming homes filled with comfort, belonging, and hope. What began in her garage has grown into a national nonprofit now operating in five states. To date, Humble Design has furnished more than 4,200 homes, helping over 12,500 individuals, including veterans and survivors of domestic abuse. In this inspiring conversation, Treger shares how one act of compassion can spark lasting change—and why creating a home is about far more than furniture. In this episode, Treger discusses: • How Humble Design began with one family and one small act of kindness • Why dignity and empathy are essential in creating a home • The power of community in helping families start again • Her new initiative, Homes by Humble, expanding affordable housing solutions Treger believes we all have the ability to help. "We don't hold a patent on helping people."

AP correspondent Haya Panjwani reports on severe weather in parts of the U.S.

Two people have died as tornadoes rip through the Midwest. AP correspondent Mike Hempen reports

The Pentagon says U.S. forces destroyed 16 Iranian mine-laying boats near the Strait of Hormuz. A fifth of the world's oil travels through the waterway. The military says the vessels were part of a larger group of Iranian naval craft it targeted. President Donald Trump warns Iran that it must remove any mines placed in the strait, or face consequences. Severe storms across the South and Midwest are producing tornadoes and causing widespread damage. The threat stretches from the southern Plains to the Great Lakes, with several states under tornado watches. Meteorologists are reporting multiple tornadoes in parts of Illinois and Indiana. Homes have been leveled and emergency services have been overwhelmed as the storm system moves east. Crude oil prices are expected to drop below $80 a barrel by the end of 2026, according to a new energy report. Prices spiked above $115 this month after the Iran conflict disrupted the Strait of Hormuz. They then fell back to about $85.

The Department of Hawaiian Home Lands is making significant progress in getting Native Hawaiian beneficiaries into housing. Chair Kali Watson says his agency is awarding about 2,600 leases this year, a substantial increase from years past. He also says the department is working on commercial projects to generate revenue, including a race track in Kalaeloa. Hawaii Community Lending CEO Jeff Gilbreath explains how community development financial institutions (CDFI) help support their mission.See omnystudio.com/listener for privacy information.

Homes destroyed by tornado in Kankakee County full 50 Wed, 11 Mar 2026 15:53:56 +0000 6zof4N5ulOYKdei3eeJF1hfwKW9DxcTd news Chicago All Local news Homes destroyed by tornado in Kankakee County A dive into the top headlines in Chicago, delivering the news you need in 10 minutes or less multiple times a day from WBBM Newsradio. 2024 © 2021 Audacy, Inc. News False https://player.amperwavepodcasting.com?feed-lin

When consumers are browsing homes, researching neighborhoods, or comparing agents, they're not planning to wait until tomorrow for a reply. They're evaluating in real time, and they want to connect immediately. The challenge? Agents can't be available every second. Speed-to-contact is a competitive advantage, but there's almost always a gap between someone showing interest and us entering the conversation. And that gap costs us the lead. Advanced AI chatbots eliminate that gap. They allow us to respond instantly, start meaningful conversations, and capture leads the moment interest is expressed. And the best part? We're not limited to generic auto-replies or placeholder messages. We can respond with informed, specific insights that sound like us and reflect our expertise. Without being chained to our inboxes, we can show up at the exact moment a prospect is ready to engage. So how can AI chatbots help us generate more leads, grow our database, and close more deals? In this episode, global AI strategist, international speaker, and real estate leader Jeremias "JMan" Maneiro returns. Together, we break down how to use AI to create true 24/7 availability, without sacrificing your time, energy, or personal touch. Things You'll Learn In This Episode  No content, no visibility If AI answer engines are pulling from indexed content across the web, what happens to agents who never built a digital footprint of their own? The difference between old bots and AI chatbots Flowchart-based tools like ManyChat rely on rigid triggers and mind maps. How does an AI-powered chatbot create more natural conversations and better lead capture without constant manual mapping? Zillow can charge more (and you'll have to pay it) If the portals have out-published you for years, are you competing with them, or funding them? $20 AI tools vs. a six-figure staff When AI can function like an on-demand marketing, content, and admin team, why are so many agents still resisting the smallest investment in their own leverage?   Guest Bio Jeremias "JMan" Maneiro is a global AI Strategist, international speaker, and real estate leader who helps entrepreneurs and sales professionals turn artificial intelligence into a practical growth engine. As Chief Edutainment Officer of JMan Seminars and co-founder of Big Brain Chat Bots, JMan works with agents, brokers, educators, and business owners around the world to simplify AI and make it profitable. He has delivered thousands of live and virtual sessions internationally, showing professionals how to streamline operations, automate follow-up, elevate client experiences, and differentiate themselves in competitive markets using AI-driven systems. Known for blending strategy with stage presence, JMan focuses on implementation over hype. From building AI-powered social selling frameworks and deploying chatbots for 24/7 global lead capture to leveraging predictive analytics and content automation, he equips audiences with tools they can apply immediately across borders and industries. His philosophy is clear: AI should amplify your authenticity, not replace it. Technology is most powerful when it enhances human connection at scale. JMan teaches leaders how to combine personal brand, storytelling, and smart systems to create influence that travels far beyond geography. To learn more or get a free consultation, go to https://www.jmanseminars.com/.  About Your Host Marki Lemons Ryhal is a ​​Licensed Managing Broker, REALTOR®, and avid volunteer.  She is a dynamic keynote speaker and workshop facilitator, both on-site and virtual; she's the go-to expert for artificial Intelligence, entrepreneurship, and social media in real estate. Marki Lemons Ryhal is dedicated to all things real estate, and with 25+ years of marketing experience, Marki has taught over 250,000 REALTORS® how to earn up to a 2682% return on their marketing dollars. Marki's expertise has been featured in Forbes, the Washington Post, Homes.com, and REALTOR® Magazine.   Subscribe, Rate & Review Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm, so our show reaches more people. Thank you!     

In Christ: Who We Are and How We Live - Love That Restores Our Homes | Ephesians 5:22-6:4 | Jeff Snodgrass

The AP's Alex Veiga says home sales ticked upwards in February.

The cost of work is thought to be an eye-watering $27 billion. 

If you're having trouble selling your house, you're not alone. Search interest for “why won't my house sell” recently hit its highest level ever in the U.S. In this episode of Tom's Take, Tom explains the real reason some homes aren't selling in today's market—and why it doesn't necessarily mean the housing market is crashing. The reality is the market is normalizing after the pandemic's “everything sells instantly” conditions. When a home struggles to sell, it almost always comes down to three factors: how the home shows, how it's marketed, and how it's positioned in the market. In this video you'll learn: * The three reasons homes sell (or don't sell)
 * Why pricing is part of your marketing strategy
 * The importance of a strong listing launch plan
 * How aggressive marketing creates buyer demand
 * What sellers should evaluate if their home is sitting on the market
 If your home hasn't sold yet, the right strategy could make all the difference.

Every minute somewhere in Europe, a house is demolished — along with the memories and sense of community it holds, says architect Olaf Grawert. Exposing the human and environmental cost of demolition for profit, he highlights a bold alternative that could address the growing housing crisis. Learn how rethinking the value of the buildings we already have could create sustainable, affordable homes for millions and reshape the future of cities. After Modupe reflects on why value and profit are not the same and why housing is a necessity.Learn more about our flagship conference happening this April at attend.ted.com/podcast Hosted on Acast. See acast.com/privacy for more information.

FBI Raids Homes Of NYC Muslim Nail Bomb Suspects, Man Arrested For Threatening To Bomb Airplane & Screaming “Allahu Akbar” As Iran War Continues To Escalate

These standout studies focused on long-term firocoxib use, headshaking, and pergolide treatment. Read the entire article at: https://equimanagement.com/research-medical/research/4-take-homes-from-the-2025-aaep-kester-news-hour/Mentioned in this episode:EquiManagement on Audio All the articles you have come to love in EquiManagement Magazine are now available in this podcast for free. Each article is released as its own separate episode to make them quick and easy to listen to. EquiManagement always has the latest insights on equine health, veterinary practice management, and veterinarian wellness.

Most agents try to build their business alone. They grind, hustle, and try to carry everything themselves—from production to leadership to operations. But eventually, that approach hits a ceiling. Today's guest, Kristina Price, shares her journey from working in corporate sales at Homes.com to becoming a top 1% agent in Hampton Roads and building a multi-state real estate team. Along the way, she experienced the highs of rapid growth—and the burnout that can come from trying to do everything yourself.Chris and Kristina break down why partnerships are often the missing piece for agents who feel stuck, overwhelmed, or capped in their growth. They also explore how the right relationships can accelerate production, create wealth-building opportunities, and help agents build businesses that are sustainable long-term.Key Topics CoveredWhy many real estate agents hit a ceiling trying to do everything aloneThe burnout that can come from scaling a team without the right supportWhy strategic partnerships are essential for long-term business growthThe advantage of combining retail real estate with creative dealsBuilding a real estate team that supports agent success and developmentWhat to look for when choosing the right business partnersConnect with Kristina:Instagram: Home Journey Grouphttps://homejourneygroup.com/Hit Chris up: Facebook - https://www.facebook.com/ChrisCraddockBusiness/Instagram - https://www.instagram.com/craddrock/RESOURCES: 

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Homes hold memories. They hold family history, meaning, and for many, a lifetime of love. But as we age, the very places that once felt secure can quietly become harder—and riskier—to live in. Most homes in the U.S. were never designed for aging bodies. Yet many older adults feel emotionally and financially locked in. The result? Families delay important housing decisions until a crisis forces change. Today, we were joined by Harlan Accola, who leads the reverse mortgage team at Movement Mortgage, about a lesser-known option that may help older adults move into safer homes—without taking on new required monthly payments. The Hidden Danger: Falls at Home Falls are far more common—and costly—than most people realize. Roughly 30 million older Americans fall each year. About one in five of those falls results in serious injury, often leading to hospitalization. The direct medical costs alone total nearly $50 billion annually. But the emotional and lifestyle costs for families can be even greater. What's sobering is where these falls happen. Not in extreme situations—but in ordinary places: Stairways Bathrooms Entryways Narrow hallways These everyday features become obstacles as mobility changes. Why So Many Homes Don't Fit Aging Adults Most homes were built decades ago for young families in different stages of life. Only a small percentage include basic accessibility features such as: Step-free entries Main-floor bedrooms Main-floor bathrooms Wider doorways and hallways As a result, stairs, tubs, and tight spaces often push older adults toward assisted living or nursing homes—not because they want to move, but because their homes no longer support their safety. Why Many Families Feel “Stuck” Even when homeowners recognize their house isn't ideal anymore, they often hesitate to move. There are two major reasons: 1. Emotional Attachment This is the home where children were raised, and milestones were celebrated. Letting go isn't easy. 2. Financial Lock-In Many retirees either: Have very low mortgage rates (2–3%), or Own their homes outright They worry that selling means taking on a new mortgage payment—something they might regret later in life. So they stay…often until something goes wrong. A Little-Known Option: Reverse Mortgage for Purchase Many people assume a reverse mortgage is only for accessing equity in their current home. But there's another option: using a reverse mortgage at the point of purchase. Here's how it can work: A homeowner sells their current home. They use the proceeds to purchase a new, safer home. A reverse mortgage helps cover the difference. For example: Sell a $300,000 home. Purchase a $500,000 home. Use a $200,000 reverse mortgage for purchase. The key distinction? No required monthly mortgage payments for as long as the homeowner lives in the home. That opens the door to: Newer construction Energy-efficient homes Low-maintenance properties Better design for aging in place A Shift in Thinking: Prevention, Not Reaction One of the wisest principles in Scripture is found in Proverbs 27:12: “The prudent see danger and take refuge.” Housing decisions in later life should reflect that kind of prudence. Rather than waiting for: A fall A wheelchair A medical emergency Families can proactively ask: How can we use the housing wealth we've built to improve safety and quality of life—while we're still healthy? When purchasing a home for the “fourth quarter” of life, it shouldn't just be your best home—it should be your safest home. Stewarding Home Equity Wisely Interestingly, two-thirds of retirees still carry a mortgage. Even when downsizing, some may still need financing. A reverse mortgage for purchase can allow retirees to: Avoid required monthly payments Preserve some cash for investments or future needs Move into a safer home Maintain flexibility Like any financial tool, it isn't right for everyone. But for some families, it may provide a path forward they didn't realize existed. Moving Forward Housing is more than real estate—it's stewardship. It's about safety, dignity, and wise preparation for the season ahead. If you'd like to learn more about whether a reverse mortgage for purchase could fit your situation, you can explore your options at Movement.com/Faith. As with any major decision, seek wise counsel, pray for clarity, and take steps not just to protect your assets—but to protect your well-being. On Today's Program, Rob Answers Listener Questions: My grandfather set up 529 plans for my two older kids. If there's money left after they graduate, can I transfer it to my younger daughter? And once she's finished, could I split any remaining funds into separate accounts for each child's future family? I often hear advice to put 10% into precious metals for retirement. What's your take—and is there a biblical perspective on that? Also, in retirement, when we're living off savings, how should we think about tithing? Do we give 10% of what the nest egg produces? After caring for my mom and losing my job, I'm nearly 50, $15,000 in debt, facing eviction, and starting over with no savings. What should I prioritize first? My wife and I are newly married and plan to live full-time in an RV for ministry. We'll live on my retirement income and use the remainder for spending. Should we manage that with cash, debit, or credit? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Movement Mortgage Tithing: A Fresh Look at an Ancient Practice (Article by John Cortines in Faithful Steward, Issue 3) Christian Credit Counselors Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Talor Stewart, founder of Conscious Home Design, an award winning architect who helps homeowners create living spaces that support good health, meaningful relationships, and a deeper sense of connection.Through his Conscious Home Design philosophy, book, workshops, and architectural services, Talor guides people to bring their inner spiritual life and their outer physical home into alignment so they can live with more flow, ease, and grace.Now, Talor's twenty year journey of developing this system, along with writing a number one best selling book, demonstrates how intentional design can transform the way we live every day.And while his mission is to connect with more people so he can introduce the science of Conscious Home Design, he's creating opportunities for richer lifestyles built on connection and creation.Here's where to find more:https://conscioushomedesign.com https://www.facebook.com/ConsciousHomeDesignhttps://www.instagram.com/conscioushomedesignhttps://www.linkedin.com/in/talorstewart________________________________________________Welcome to The Unforget Yourself Show where we use the power of woo and the proof of science to help you identify your blind spots, and get over your own bullshit so that you can do the fucking thing you ACTUALLY want to do!We're Mark and Katie, the founders of Unforget Yourself and the creators of the Unforget Yourself System and on this podcast, we're here to share REAL conversations about what goes on inside the heart and minds of those brave and crazy enough to start their own business. From the accidental entrepreneur to the laser-focused CEO, we find out how they got to where they are today, not by hearing the go-to story of their success, but talking about how we all have our own BS to deal with and it's through facing ourselves that we find a way to do the fucking thing.Along the way, we hope to show you that YOU are the most important asset in your business (and your life - duh!). Being a business owner is tough! With vulnerability and humor, we get to the real story behind their success and show you that you're not alone._____________________Find all our links to all the things like the socials, how to work with us and how to apply to be on the podcast here: https://linktr.ee/unforgetyourself

Virginia communities block abortion clinics, Texas election challenges, four Supreme Court rulings, and homes for the chronically homeless. Plus, Albert Mohler on Iranian tyranny removed, a child flags an aviation training manual, and the Tuesday morning newsSupport The World and Everything in It today at wng.org/donateAdditional support comes from Covenant College, where students are equipped with a Christ-centered education rooted in the Reformed tradition. Covenant.edu/worldThe Free Lutheran Bible College (FLBC), Plymouth, MN, prepares students to live out their calling through the study of God's Word in authentic community since 1964. At FLBC, biblical truth isn't an elective course—it's the foundation of our academic study. Through the study of God's Word in authentic, Christ-centered community, you'll form a biblical worldview that gives you clarity and confidence for whatever comes next—college, career, family, or ministry. Learn more at flbc.edu/worldBoyce College offers a Christ-centered education built on the truth of God's Word. Every student—no matter their major—takes 30 hours of Bible and theology, learning how to think biblically, live faithfully, and lead with conviction.Formed from the 160-year legacy of Southern Seminary, Boyce College prepares students for maximum faithfulness in the world, the workplace, the church, and the family.Learn more at boycecollege.com

Lunchbox claims that Amy owes someone an apology over what she recently accused someone of. We discuss the latest on Nancy Guthrie and the internet theories that we’ve seen circulating online. A listener calls in to tell us how Lunchbox got duped when talking about jury duty. Amy talked about a country artist who has a shrine of herself in her home. We all share what in our homes would give it away that we lived there. Eddie has the best time to buy gas to get the cheapest price. Lunchbox shared a company that held its annual party and placed the vast sum of cash on 800 tables. Would we take $10 million dollars right now if it meant we had to cut 10 years off our life? Lunchbox wants to make a pit stop in Key West, FL and tries to get us all on board on his creepy idea.See omnystudio.com/listener for privacy information.

A violent robbery in February, 2010 caused Michael Temple Jr. to become quadriplegic for five years before his death. DNA taken from a knife used in the attack helps to create a profile of the killer.Homes.com: We've done your homework.Jones Road: Head to Jonesroadbeauty.com and use code coldcase at checkout to get a free Shimmer Face Oil with your first purchase!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.