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Join Jeremy on Blue Peg, Pink Peg Industry Insights for an interview with Daniel Newman and Tony Miller, who just launched the new publishing endeavor New Mill Industries. We'll talk about their lives as gamers, gaming with kids and families, what goes in to starting a new publishing house, and their upcoming Kickstarter for their first game - The Science and Seance Society. www.bluepegpinkpeg.com/Bonus12
Join Jeremy as he interviews Steven Logreira. Steven is the Founder of Sales Process Automation Systems and is a graduate of the University of Florida School of Computer Engineering and has a Minor in Business Administration. He started his career working for big blue IBM as a technical sales specialist, and he's worked with clients and quickly realized the importance that systems and automate can have on impacting productivity and thus increasing revenue. Steven spent the last eight years as a technical advisor in all aspects of digital marketing and has over 19 years in sales. Steven is also a tech wizard, an automation expert and a seasoned sales professional with over eight years experience as a technical advisor in all aspects of digital marketing. Clients hire him to create an automated, profitable sales process that guarantees they save time, energy, and don't miss enrollment opportunities ever again.
Join Jeremy as he interviews Camille Ferland, a veteran CEO of Client Attract Marketing, which is a company that specializes in leveraging digital marketing to generate quality leads for service-based businesses in the health and wellness industry. Prior to launching her business in 2018, she completed her degree in psychology from Queen's University then went on to represent over 60 World Class brands including Lexus, Audi, Panasonic, Nespresso, McDonald's, Square, and even Lego as a brand ambassador and team lead. Camille has also been quoted multiple times in publications throughout the marketing industry, demonstrating her knowledge and expertise.
Join Jeremy as he interviews Jason Petrunik who is a former major market radio announcer who after 17 years stepped away from the microphone and walked into the world of multi-level marketing. Jason quickly became one of the company's global leaders of customer acquisition and went on to grow one of the largest teams in North America. Jason now runs Showcase Trade Shows and dabbles in real estate, has a small dog sitting company, is the host of the Launchpad podcast, and is in the process of writing his first personal development book.
Join Jeremy as he interviews Garth Jones. Garth is the chief architect of Enhansoft, a company that develops products and services to extend the value of System Center Configuration Manager or SCCM. Garth and his team help people get more out of their enterprise systems and easily take more inventory and get appropriate reporting and more effective reporting out of what they already have in place.
Join Jeremy this week as he sets the foundation for you to build your sales team with his 3 Keys to Building Seven and Eight-Figure Sales Teams.
Join Jeremy as he dives into Criterion’s GODZILLA SHOW ERA Collection. Part 3 of a 3 part series!
We take a look at the last section of Triss, where it totally doesn't wrap up too quickly and we totally don't compare Triss to Inigo Montoya. Join Jeremy, KD, Drew and Pete for the last part. Intro/Outro Music is by: Cory Gray. Medieval Tension 30s. Song is licensed under an Attribution-NonCommercial 3.0 International License.
Join Jeremy and new Rules Committee members Elliot Morrish and Patrick Zoro Allen as they talk things RC.
Join Jeremy and new Rules Committee members Elliot Morrish and Patrick Zoro Allen as they talk things RC.
Join Jeremy as he dives into Criterion’s GODZILLA SHOW ERA Collection. Part 1 of a 2 part series!
The longest episode yet gives us Deyna- I mean Tagg fifteen seasons on and remember how we hate teenagers? Join Jeremy, KD, and Matthias as they take a look. Intro/Outro Music is by: Cory Gray. Medieval Tension 30s. Song is licensed under an Attribution-NonCommercial 3.0 International License.
Join Jeremy and Rob as they talk all things Spring Painting Challenge! Also, the gang give some quick thoughts on the recent Mantic Virtual Open Day!
Join Jeremy and Rob as they talk all things Spring Painting Challenge! Also, the gang give some quick thoughts on the recent Mantic Virtual Open Day!
Join Jeremy, Jacob and Bill as we discuss how we've handled the quarantine, thoughts on the economy, the downfall of Gamestop and the second Bernie Sanders presidential failure. Equipment we use or recommend: Yamaha MG10XU audio mixer https://amzn.to/2X1ndouFocusrite Scarlette 2i2 audio interface https://amzn.to/2ZFfNMmElectro Voice RE320 Dynamic Microphone https://amzn.to/2N1NxNsPurple Panda Lavalier Microphone https://amzn.to/2ND5dxXBehringer Ultravoice xm8500 Microphone https://amzn.to/34OR2eNMXL 990 Condenser Microphone https://amzn.to/2Qa0WW7Rode Boom Arm https://amzn.to/315mcwTPredator Cestus 320 gaming mouse https://amzn.to/2ZKZZrBSennheiser HD 280 pro headphones https://amzn.to/2PTm5U2Anker powered USB hub https://amzn.to/2PS8oEVSony Vegas Pro https://amzn.to/31fvpCQAsus Laptop (gaming and editing) https://amzn.to/2HVmrTYLogitech C920 HD webcam https://amzn.to/2O1wjNULogitech C270 webcam https://amzn.to/2ZEAs3cShooting from your phone? Try this mount and lighting system https://amzn.to/2N1Uj5FThe posted links above are affiliate links and do help us to keep creating more content. Thank you for your support! Follow us on Instagramhttps://www.instagram.com/texspecsgaming/ Follow us on Facebookhttps://www.facebook.com/texspecs/ REDTIRED podcast is available on Spotify, Itunes, Google podcasts or for easy browser listening here--- https://redtired.podbean.com/REDTIRED Facebook --- https://www.facebook.com/REDtired1/
The latest episode of the True Blue RiffCast is coming to you straight from quarantine! Join Jeremy and Dave as they discuss Ninja Warlord and Lovely but Deadly! Become a Patreon: http://www.patreon.com/trueblueriffcast Ninja Warlord: https://www.rifftrax.com/ninja-warlord Lovely But Deadly: https://www.rifftrax.com/lovely-but-deadly --- Send in a voice message: https://anchor.fm/trueblueriffcast/message Support this podcast: https://anchor.fm/trueblueriffcast/support
Join Jeremy, Rob, and Alex as they talk all things US Masters Weekend. The fellas also preview their schedules for Adepticon.
Join Jeremy, Rob, and Alex as they talk all things US Masters Weekend. The fellas also preview their schedules for Adepticon.
RiffTrax has announced the Live shows for this year, and while there may only be two of them (just like in 2018), they should both be great riffs! Join Jeremy and Dave as they talk about the Kickstarter for Hobgoblins and Amityville 4! RiffTrax Live 2020 Kickstarter: https://www.kickstarter.com/projects/rifftrax/rifftrax-live-2020-hobgoblins-and-amityville-4-riffed-live If you've never seen Hobgoblins, check out the MST3K Episode: https://www.rifftrax.com/mst3k-hobgoblins --- Send in a voice message: https://anchor.fm/trueblueriffcast/message Support this podcast: https://anchor.fm/trueblueriffcast/support
Hile! DTR fans Dark Tower Radio kicks off the new calendar year by reviewing the Cycle of the Werewolf and 1985's adaptation Silver Bullet. Join Jeremy and special guest from the Sequel This podcast Marc Rissman as they kick off 2020 in Tarker's Mill with some Stephen King palaver one of the most unique entries in the King catalog. Dark Tower Radio Podcast Facebookhttps://www.facebook.com/darktowerradiopodcast Twitter @DarkTowerRadio Email darktowerradio@gmail.com Marc L. Rissman Sequel This Podcast https://m.facebook.com/profile.php?id=215080365509884&ref=content_filter Twitter @MarcRissman
Episode 65: Holiday Gift Guide. Join Jeremy and Bobby this week as they bring you some of the goofiest pro wrestling Christmas gift ideas as well as some of the coolest. There’s a lot of back and forth banner about quick money grab ideas that are just deplorable. This is a must-listen episode for Christmas gift ideas as well as the final episode of the year. Tune In!
Join Jeremy in the trenches alone as he interviews Maria! Enjoy this fun conversation on what Maria does as a character attendant. Make sure you follow her on instagram @mariaadicarlo . . Follow our sponsor @earstomagicboutique --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app · The Colin and Samir Podcast: The Colin and Samir Podcast hosted by LA - based friends and filmmakers Colin and Samir takes a look into what it’s like to make creativity your career. https://open.spotify.com/show/5QaSbbv2eD4SFrlFR6IyY7?si=Dj3roVoJTZmOime94xhjng Support this podcast: https://anchor.fm/castconversations/support
The results are in and we talk about those today! Join Jeremy and Jacob as they break down and respond to the propositions and the results of the voters on this very special edition of REDtired Podcast! Ballot sources: https://ballotpedia.org/Texas_elections,_2019 Equipment we useFocusrite Scarliette 2i2 audio interface https://amzn.to/2ZFfNMmElectro Voice RE320 Dynamic Microphone https://amzn.to/2N1NxNsMXL 990 Condenser Microphone https://amzn.to/2Qa0WW7Rode Boom Arm https://amzn.to/315mcwTPredator Cestus 320 gaming mouse https://amzn.to/2ZKZZrBSennheiser HD 280 pro headphones https://amzn.to/2PTm5U2Anker powered USB hub https://amzn.to/2PS8oEVSony Vegas Pro https://amzn.to/31fvpCQAsus Laptop (gaming and editing) https://amzn.to/2HVmrTYLogitech C270 webcam https://amzn.to/2ZEAs3cShooting from your phone? Try this mount and lighting system https://amzn.to/2N1Uj5F Follow us on Instagramhttps://www.instagram.com/texspecsgaming/ Follow us on Facebookhttps://www.facebook.com/texspecs/ REDTIRED podcast is available on Spotify, Itunes, Google podcasts or for easy browser listening here--- https://redtired.podbean.com/REDTIRED Facebook --- https://www.facebook.com/REDtired1/
Join Jeremy and Hillary as they kick off their podcast with a little teaser... what's happening, why we;re doing it, and who might get discussed and dished on next! Stay tuned biotch!
Communication. We all communicate, but as leaders what we say and how we say it is essential. Join Jeremy and Josiah as they break the 12 principles that every leader should know about communication.
Believers Voice of Victory Audio Broadcast for Wednesday 07/31/2019 The world will lead you wrong, but God never will! Join Jeremy and Sarah Pearsons on Believer’s Voice of Victory as they encourage you to follow the leading of the Lord, and not the “common sense” of man. In this house of faith, we are led by the Spirit. This defines and differentiates us from everyone else!
Believers Voice of Victory Audio Broadcast for Monday 07/29/2019 Join Jeremy and Sarah Pearsons on Believer’s Voice of Victory as they share how being part of the household of faith means we are different from the world—we live differently, we believe differently, and we have victories where others suffer failures. Learn how walking by faith means we never, ever quit, but we keep walking even when we’re weary. In this house of faith, we walk by faith!
Believers Voice of Victory Video Broadcast for Wednesday 07/31/2019 The world will lead you wrong, but God never will! Join Jeremy and Sarah Pearsons on Believer’s Voice of Victory as they encourage you to follow the leading of the Lord, and not the “common sense” of man. In this house of faith, we are led by the Spirit. This defines and differentiates us from everyone else!
Believers Voice of Victory Video Broadcast for Monday 07/29/2019 Join Jeremy and Sarah Pearsons on Believer’s Voice of Victory as they share how being part of the household of faith means we are different from the world—we live differently, we believe differently, and we have victories where others suffer failures. Learn how walking by faith means we never, ever quit, but we keep walking even when we’re weary. In this house of faith, we walk by faith!
Believers Voice of Victory Video Broadcast for Monday 07/22/2019 You can’t live on someone else’s faith! Join Jeremy and Sarah Pearsons on Believer’s Voice of Victory as they teach you what it means to get your own God and live your own legacy of faith. Learn how they found their own call through rejecting fear, framing their future with their words, and continuing the family legacy of faith in an unexpected way.
Believers Voice of Victory Video Broadcast for Wednesday 07/24/2019 Are you a church hopper? Join Jeremy and Sarah Pearsons on Believer’s Voice of Victory as they encourage you to get planted in a church and build a legacy of faith by thriving there. Learn the importance of finding your faith family and keeping connected to them for the long term.
Believers Voice of Victory Audio Broadcast for Monday 07/22/2019 You can’t live on someone else’s faith! Join Jeremy and Sarah Pearsons on Believer’s Voice of Victory as they teach you what it means to get your own God and live your own legacy of faith. Learn how they found their own call through rejecting fear, framing their future with their words, and continuing the family legacy of faith in an unexpected way.
Believers Voice of Victory Audio Broadcast for Wednesday 07/24/2019 Are you a church hopper? Join Jeremy and Sarah Pearsons on Believer’s Voice of Victory as they encourage you to get planted in a church and build a legacy of faith by thriving there. Learn the importance of finding your faith family and keeping connected to them for the long term.
Join Jeremy as he interviews one of his roommates from the DCP, Casey Woods! Give Casey a follow @cdog_1001 to see some of his journey during the DCP! Music from: bensound.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/castconversations/support
Join Jeremy as he talks about a little bit about his time as a photo pass photographer! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/castconversations/support
Well...It finally happened! Mr. Probs revealed his identity to the world! Join Jeremy, Brian, and Scot as they tackle another episode of The Worship Leader Probs Podcast. In this episode, the guys talk about leading worship when you are not feeling like you can worship yourself and dealing with criticism. They also recognize their MVPs and read this weeks prayer concerns. It's an action-packed episode so hold on tight! Episode Breakdown: Intro: 23s MVPs: 9m 49s Prayer Concerns: 15m 15s Sliding into Dms: 22m 58s
DAB! Papa Abbott’s away so the dibbuns will play! Join Jeremy, KD, Adam and Matthias as they cover the totally happy and fun filled Book 3 of Salamandastron. Seriously, all happiness, definitely no sad moments in this one. Intro/Outro Music is by: Cory Gray. Medieval Tension 30s. Song is licensed under an Attribution-NonCommercial 3.0 International License.
Episode 43: Greatest Cage Matches of All Time, part 2. Join Jeremy and Bobby this week to finish up their discussion about some of the greatest matches and moments to ever take place inside of the steel cage. AEW’s recent “Double or Nothing” is also discussed this week. Tune in!
So now you know you need a realtor in order to find your best home, but how do you know which realtor's right for you? Join Jeremy and Beth Ellis as they hash out how to find the perfect realtor, especially as a first time home buyer. Freebie: Needs Assessment - once you find your realtor, wow them by knowing exactly what you're looking for so they can help you find it. Level up: New Home Buyer’s Guide comprehensive ecourse Contributors to this episode include: Host - Jeremy Goodrich Copy Editing - Talia Chakraborty If you enjoyed this episode, stick around: SUBSCRIBE on Apple Podcasts. REVIEW the show and SHARE with friends. JOIN the New Home Buyers Guide course to own the home buying process and the home of your dreams. With a 100% money back guarantee, you’ve got nothing to lose and a sweet house to gain. Thanks for listening! More great stories & information at: YouTube - Podcast - Pinterest Course - Shine Insurance Full Transcript: McKenzie Goodrich: This is the New Home Buyers Guide podcast brought to you by the New Home Buyers Guide, a comprehensive online course that lays out the nine steps to finding and buying your dream home. Get it now at newhomebuyersguide.net. Jeremy Goodrich: Hey there, new home buyers, it's Jeremy Goodrich, your host for the New Home Buyers Guide podcast. And we are on episode nine and in some ways in episode nine, the ninth episode of this show, we're digging into the thing that you kind of probably thought you were supposed to do first, right? Because you think you're supposed to go out and find a realtor and then like that's what happens. Like you go find a realtor and everything else works out and realtors are awesome and they're going to be a center piece of the process and really the person that holds your hand during the home buying process. But as we've learned in previous episodes, there's a lot of work to be done before you even contact that realtor for the first time. You got to work on your credit, you got to work on your down payment, you've got to get that pre-approval letters, which most good realtors are going to expect you to have before you even contact them. Jeremy Goodrich: Because really if you go out and you see a house and you love it and it's awesome and it's perfect and you don't have the money to pay for it because that's what the mortgage lender is going to do, right? Then you really can't make an offer and your sort of stuck. So any good realtor knows that you've got to have the money side figured out before you even go out and look for houses. So here we are at episode nine and we are ready to go and find that person who can walk us through the process, who knows the local market and understands what's going on with houses in the price range that you need to be at. What's good about that price range, what problems you'll find in that space, whether it's really hard to find a home for say $200,000 if that's what you're looking for. Or if there's lots out there on the market and you have some leverage in the way that you make offers and stuff like that. Jeremy Goodrich: Realtors obviously are the experts in not only how to buy and sell homes, but what's going on in the home market in your community. And so the person you pick has got to be somebody good, somebody right for you, someone who fits your personality and is actually going to care about you, not just about making the money at the end of the deal. There are all sorts of great service providers out there in all industries, real estate, insurance like I am and everywhere else and there's lots of terrible ones too. There are people who are out there really trying to make your life better, to really truly help you. And there are people that are just trying to make money off of you and of course everybody has to make some money, right? Like its part of business, but there's people who are doing it in a great way and people who are doing it in kind of a slimy, crummy way. Jeremy Goodrich: And so what you want to do is figure out where are those good realtors are, the ones that are going to really help you. And I brought back someone who came to us in an earlier episode and she really is an amazing realtor that I respect so deeply and she takes such great care of her clients. And so I came back to her and I asked her to describe for us three things that we should look for when we're trying to find the right realtor. And her name is Beth Ellis and she runs Tim Ellis Realtors and Auctioneers. Her dad started this years ago and then she took over and they both work together now as realtors and as auctioneers in that space. And so I asked Beth, how do we find a good realtor? And that's what you're going to hear in this episode today. Let's get to it. Maybe one of the most important things you'll do in the home buying process, how to choose the right realtor. Jeremy Goodrich: We are going to talk about the three steps to picking the perfect realtor. Obviously you want to work with a realtor that is the right match for you as a human being, you as a family, and that is going to help you to find your perfect home. And Beth's going to explain to us three things that we should look for when trying to find that perfect match in a realtor. Right? Beth Ellis: Right, right. So the first thing that I think is super important is to ask people you know, and you trust. So ask your family and your friends and your colleagues who they've worked with before, what the experience was like, if they would recommend the realtor that they worked with before, because those are people that you already know and trust and they're going to give you recommendations of people that they already think are going to be a good match for you. Jeremy Goodrich: And are there, like when you're talking with your mom or your friend or whatever, are there questions that you might want to ask that would help you to understand what that realtor is like or just kind of like, how did it work for you? Beth Ellis: Right. Well I think how did it work for you is the best first question, but then I think you can talk a little bit more about the process. Things like how accessible was the realtor, how clearly did they answer your questions? How much time did they take with you explaining how the process works? For a first time buyer the process can be kind of daunting because they don't really know what the expectations are, what the process is. And so they need to find someone who is familiar working with first time buyers and who is really patient and a good explainer of the process. Jeremy Goodrich: Yeah. So are there realtors that like to work with first time buyers and realtors that just don't? Beth Ellis: Probably. Jeremy Goodrich: Yeah. Beth Ellis: Yeah, I think that's a fair question. I like working with first time buyers. The thing that I like about it is it's new, it's fun, it's exciting, it's the biggest purchase they probably will ever make. And when I see a first time buyer at the closing table getting their keys, it's pretty groovy. Jeremy Goodrich: Absolutely. Beth Ellis: So that part of the process I really like, I think about when I bought my first house and kind of how that went. And so for me, I like that kind of client a lot because it's a really happy experience. Jeremy Goodrich: Yeah. So when someone's referring a realtor to you, the question, were you a first time home buyer when you worked with them, may or may not be a valuable question to ask. Beth Ellis: Sure. Jeremy Goodrich: About that realtor. Beth Ellis: Yeah. And a lot of people, I mean we're a small town and I have lots of clients who I've done repeated deals with. And so a lot of the referrals that I get are from my clients who I've done three, four or five transactions with. They may have been a first time buyer with me or not, but I think just the fact that they keep coming back is a pretty good sign of the referral. Jeremy Goodrich: Absolutely. Okay. So the number one most important way to find the perfect realtor is definitely a referral. Beth Ellis: Right. Jeremy Goodrich: And you'll find a referral if you live in the town and have for a while, it's probably easy because you have family and things of that nature. Beth Ellis: Right. Jeremy Goodrich: Are there ways to get a referral in a town that you may be, you're moving to, as opposed to one that you've lived in for a while? Beth Ellis: The best way to find a realtor in a market where you're not familiar, where you're not living right now, is to read online reviews. My clients review me a lot and they are very clear and honest about what they say, what they think. They have, you know, if you go to Zillow and Trulia and the big online third party sites, buyers can look at those reviews. They can really dig down, they do a star program, but then they go back and they have a section where people can write whatever they want. And those are really helpful because I think that helps people get kind of the vibe of the person. So if the review says they answered all my questions and they were really great and they were accessible and I felt like I was taken good care of, that kind of gives you a sense of the person. Jeremy Goodrich: Right, absolutely. So they're going to be maybe good for a good first time home buyer because you know you're going to have questions. Beth Ellis: Right. Jeremy Goodrich: And that kind of thing. Okay. So really your number two, I think we dug into it there was, is online reviews, would that be the second way to find the perfect realtor for you? Beth Ellis: Right. Online reviews or the other thing that they could do if they're coming here for a job, if they're coming to IEU or [crane or cook 00:08:48] or Bloomington hospital system, whatever it is, they can also connect with those employers. Like I work with a lot of the IEU schools and departments where they connect me with their new hires. Well, the new hires don't know me, but the new hires know the people who are hiring them. And that's another good connection for out-of-town people. Jeremy Goodrich: Okay. So if you're coming into a town for a job, most of the time we are in some way or another- Beth Ellis: Right. Jeremy Goodrich: If we're changing from one town to another, there's a reason we're doing so. Beth Ellis: Right. Jeremy Goodrich: And so connecting with whoever's bringing you to that town and saying, "Hey, who are the great realtors to work with in the town?" Beth Ellis: Exactly. Because the employers are not going to send you to somebody who's, well frankly not very good because they want you to take the job and be happy here. Jeremy Goodrich: All right. Okay, cool. So connecting with an employer, that's almost a third one here, I'm not sure what number we're on, but we've got, you know, getting referrals, looking at online reviews, connecting with your employer and kind of get a referral from them. And so do you have others there? Beth Ellis: The best final step for making your decision is to actually meet with the realtor in person. And I would recommend this for any new buyer to actually set up an appointment to meet with a realtor in person, talk through the process, see if you're compatible with your style, with your work schedules, and see if it's a good fit. So I recommend that every new buyer sits down face to face for an hour with the realtor and make sure that it's a good fit. Jeremy Goodrich: Okay, cool. Well Beth, thank you so much for sharing those three different ways that we can find the perfect realtor for us. If someone wants to find you, how can they do so? Beth Ellis: The best way to find me is by email and my email is beth@timellisrealtors.com. Jeremy Goodrich: Cool. Thank you so much. Beth Ellis: Thank you. Jeremy Goodrich: All right, so there it is. Beth just broke down some serious knowledge for us. We started off with finding referral sources in the town that you already know, maybe that is family or friends, maybe that could be an insurance agent or a lender. If you already know one of those elements, an insurance agent, a lender, or a realtor, ask that person you trust for the other two and get a referral from them. So really those referrals are the number one thing Beth said helps you find the right realtor for you. If you're moving into another town, looking at online reviews and really finding someone who has, has online reviews and has reviews that fit your personality style. When people are talking about their experience with that realtor, it sounds like someone who you could really connect with, that makes total sense. Jeremy Goodrich: The third one was to talk to, you know, especially if you're moving into a town that you aren't familiar with, talk to whoever recruited you to be there. If you are coming to a town for a new job, talk to those folks about who their suggestions are for a realtor in town, because they obviously want you to be happy at your start of your new job or whatever you're doing in that town, and they're going to refer people that they know are going to be the best for you. And then finally Beth's bonus, fourth thing to do was simply sit down with that realtor, connect with the person, see if you vibe with them, see if they are the type of person that you want to interact with. And one of the most important decisions you're going to make in this element, this part of your life, and simply vibe off of them. See if you like what you see, see if you feel like it's going to work and then you're going to be able to connect. Jeremy Goodrich: So thank you so much to Beth Ellis for talking to us about that. If you want to find her, look up to Tim Ellis Realtors and Auctioneers online. You can find her if you're around Bloomington, Indiana. If not, use her advice to find the best realtor for you. Okay, and now some action steps, so first, head over to Instagram and follow us at New Home Buyers Guide. We put lots of stuff up there, great posts, great information, just trying to kind of create a community in that space. If you want to go to the posts with the Red House on The Hill, that's our podcast logo, and you can share your questions, your comments, give us some love, give us some hate, whatever. Do that in the comment section, we want to hear from you, we want to know what you learned and maybe what you want to learn in the future that we didn't hit on today. Jeremy Goodrich: Okay, one more thing. Home buying is tricky, the process has clear winners and losers. You know that because I was a loser the first time I bought a home and home buyers remorse is real. Sometimes you just truly get it wrong, so you need to know if you've got your financial ducks in a row and to understand the timeline that you're going to go through to anticipate the hidden costs and all the steps along the way. How are you supposed to do that when you've never done this before? We totally get it. Well, easy. You're going to go to the newhomebuyersguide.net. That is newhomebuyersguide.net and sign up for our e-Course. You'll get walked through the process step by step. Think timelines, checklists, videos, expert interviews, and more. It's like this podcast, but totally beefed up and ready to walk you step by step through the process. Remember, you are about to make one of the biggest purchases of your life. Do yourself a favor that will last maybe the next 30 years and head over to newhomebuyersguide.net. All right, until the next time, happy home buying.
Episode 42 Greatest Cage Matches of all time part 1: Join Jeremy and Bobby this week to hear about some of the greatest matches and moments to ever take place inside of the steel cage. What does it take to build up to a cage match? Who had the best cages? What matches make this weeks discussion? Tune in this week to find out more on The Bell to Bell with Bobby Blaze Podcast.
There's a lot that goes into getting a mortgage. Join Jeremy as he interviews Ryan Langley, VP Branch Manager of Ruoff Mortgage in Bloomington, IN, on just how to get there. Freebie: Get your money right video series Level up: New Home Buyer’s Guide comprehensive ecourse Contributors to this episode include: Host - Jeremy Goodrich Copy Editing - Talia Chakraborty If you enjoyed this episode, stick around: SUBSCRIBE on Apple Podcasts. REVIEW the show and SHARE with friends. JOIN the New Home Buyers Guide course to own the home buying process and the home of your dreams. With a 100% money back guarantee, you’ve got nothing to lose and a sweet house to gain. Thanks for listening! More great stories & information at: YouTube - Podcast - Pinterest Course - Shine Insurance Full Transcript: Jeremy Goodrich: I'll introduce you again and then I'll pick the one I like better. Ryan Langley: Okay. No problem. Jeremy: We'll see how this intro goes. All right. Hey this is Jeremy from Shine Insurance and today I've got a special guest on our channel and his name is Ryan Langley. Ryan is the vice president branch manager of Ruoff Mortgage here in Bloomington, Indiana. He's a mortgage lander, and he has tons of information for us about exactly how to go about getting a mortgage and the processes you should think about. Now, in this video we're not going to talk about kinda the back end of very ends of the process. We're going to talk about maybe the most important part of the mortgage getting process. I don't even know if that's an actual phrase, but we're going to talk about the five steps you need to take before even considering buying a house. So Ryan, thank you so much for being with us today. Ryan: Thanks for having me. Jeremy: Okay. I'm really excited, I've decided I want to buy a house. I'm going to go out, I'm going to get a realtor, I'm going to start looking at houses right away. Is that what I should do? Ryan: No. Jeremy: And so why not? Ryan: Yeah. Getting the realtor is definitely part of the process. Jeremy: Mm-hmm (affirmative). Ryan: You're going to want to kinda keep that part of mind up front. But there's several steps that you should take prior to going out and rushing out and making an offer on a home. For starters, most realtors are going to want to make sure that you've got your ducks in a row and have taken some steps to make sure that you're ready to buy a house before they can even start showing you the home. Jeremy: What do you mean by ready to buy a house? What do I need to be to be ready to buy a house? Ryan: Sure, sure. The first thing that I will always advise anybody that comes into office that's just thinking about it, just at the very early stages, is to take care of those things that you know might be an issue in your credit report. Jeremy: Mm-hmm (affirmative). Ryan: You know that you've got some late pays, or you routinely pay late on the credit cards, due loans, auto loans, you name it, on the type of debts that you may have out there. Make sure you get your house in order regarding your current debt obligations. That doesn't mean pay them off necessarily, but that definitely means make sure that you're current on every single payment and that you have been current on them. If you're habitually late on your payments each month, that's often times viewed as a negative on your credit report and your credit score will reflect that. Jeremy: Mm-hmm (affirmative). Ryan: That would be one of the very first things that you should think about if you're thinking about purchasing a home, is making sure that everything's up to date and you're paying things on time. Jeremy: So figuring out your credit score is really that number one? Ryan: Mm-hmm (affirmative). Jeremy: Being up to date on payments is one way of addressing your credit score. When you see people trying to fix their credit scores, are there some more important things than others? Ryan: Number one thing is, on all debt is make sure that you're current. One of the worst things that you can do is to get late and stay late on it. Jeremy: Mm-hmm (affirmative). Ryan: If it's a... One or two here and there that are over 30 days. Most credit bureaus don't report until you're over 30 days late on a payment. Jeremy: Mm-hmm (affirmative). Ryan: You've got some leeway time in there most often. But you really want to make sure that everything is paid on time. Now paid off necessarily, 'cause some debt's a good thing. But you want to make sure that everything's current. Jeremy: Having your credit in order, and the best way you can do that is by keeping everything current, keeping your debts paid. Not necessarily paid up completely, like paid down. Ryan: Mm-hmm (affirmative). Jeremy: But your debt's up to date. Okay. What's the next thing we should do to get our house in order before buying a house? Ryan: Next thing you should consider is taking a look at your finances and getting a good idea of what you feel you may be able to afford. Jeremy: Mm-hmm (affirmative). Ryan: That may not be necessarily what the lender will tell you later on, but it's always helpful for a lender if we got a general sense of the price range that you're looking in. Jeremy: Mm-hmm (affirmative). Ryan: For a first time home buyers, it obviously depends on your current income situation. Jeremy: Mm-hmm (affirmative). Ryan: It depends on if you're single. Depends on if you've got multiple incomes in a household. There's a lot of factors that you would take into consideration yourself and there's all kinds of calculators out there online that you can log on and see to get a general sense of what a payment may look like and what they may look for. And a very good starting spot would be what are you paying in rent each month. Jeremy: Mm-hmm (affirmative). Ryan: Are you struggling to make that payment as it is right now? Or, are you making it easily and you can afford some more payment? A very good starting spot would be to kinda look at where you're at on your rent payments, versus what you might be able to afford on a monthly basis on a mortgage. Jeremy: Okay, cool. If I wanted to look up one of those calculators, what might I choose for my Google search? Ryan: You can go to ruoff.com. Jeremy: Okay. Ryan: We've got calculators on our website that you can use, and that's typically where I would direct you to go and find a good calculator to use. You can also use any numerous websites, bankrate.com. There's a lot of other ones out there- Jeremy: Okay. Ryan: That would be sufficient. Jeremy: Mortgage calculator. Ryan: You can type in "mortgage calculator", and you'll get a 100 different options on finding it. Jeremy: Okay. Ryan: They're all going to be accurate. You put in, for the most part, most first time home buyers are going to be looking for a 30 year fix mortgage, so you type in "mortgage calculator", use the rate that they've got in there just for an example, that doesn't mean that's what rates are currently, but that does give you a general sense of where you would be on a monthly payment. Jeremy: Okay. I'm going to get my credit in order, I'm gonna look at what I might be able to do as far as a payment goes using my rent as a great example of a place to start. Ryan: Mm-hmm (affirmative). Jeremy: Then ruoff.com mortgage calculator would be another wonderful place to kinda figure that out. Okay, that's the first two. What's the next thing I should do? Ryan: Next thing you should do, before reaching out to a lender, which will be step four, but before we get to step four, step three is to start thinking about the preliminary documentation. Yes, it does take a lot of paperwork, or what can feel like a lot of paperwork at times... Jeremy: Mm-hmm (affirmative). Ryan: To get a mortgage, to obtain a mortgage. Jeremy: Mm-hmm (affirmative). Ryan: The base amount of documentation that almost every single mortgage lender will ask you for would be a driver's licence or a passport, your last two years federal tax returns, last two years W2s. If you receive W2s, your most recent pay stub, and your last two months complete bank statements that may show any assets that you have available for down payment. That would be the core group of items that you would need to get. Of course, it will always depend on your situation, depends on if you're self employed, depends on if you've got additional businesses that are attached to that. Those things can change, but that would a very good list of things that you should think about, just getting upfront before even calling the mortgage loan officer. Jeremy: Cool. If you didn't write that down, we put it down in the notes right below this video. You can look at the list of things that you should have ready before you even call a mortgage lender. Okay, so that was step three, get your documentation in order. Ryan: Mm-hmm (affirmative). Jeremy: Step four, you've kind of already alluded to, let's go for it. Ryan: Step four, that's when you're calling the mortgage lender and you set an appointment. Often times, as a first time home buyer, it would be helpful to meet face to face, but anymore in this day of age where we can access anything online, the vast majority of mortgage lenders are going to have that option for you to go out and apply for a mortgage online. Jeremy: Mm-hmm (affirmative). Ryan: Though, anytime a first time home buyer, if you're looking... The mortgage lending process has become so complex and there's so many regulations and so many documents out there, any time that you can get face to face with a lender I would suggest that you do so. Jeremy: Mm-hmm (affirmative). Ryan: So that they can help thoroughly explain the cost and the fees and everything that's associated with the process. More often than not, the mortgage pre-approval process should take anywhere from an hour to an hour and a half. Jeremy: Mm-hmm (affirmative). Ryan: It shouldn't take much more time than that. Jeremy: Mm-hmm (affirmative). Ryan: If it does, you can go back to our previous video and hear what I have to say about the communication piece. Jeremy: Mm-hmm (affirmative), and that is the- Ryan: It all comes back to communication. Jeremy: Yeah, and that video is the three different things to think about when you're choosing a mortgage lender, and you can see that on the Shine Insurance YouTube channel as well. Step four, going ahead and contacting the mortgage broker and getting pre-approved for a loan. Okay, what's step five? Ryan: Well, step five, what I did have is you want to save some down payment. Well, that may not necessarily be true for everybody's scenario. Jeremy: Mm-hmm (affirmative). Ryan: We do have loan programs where you can have zero percent down, loan programs where it only takes three percent or three and a half, and that money may be coming from a relative in the form of a gift. Jeremy: Mm-hmm (affirmative). Ryan: That's definitely something we can add to our list if you're considering receiving a gift there's different loan programs that we will accept it and different loan programs that will not. Jeremy: Receiving a gift as a down payment for a mortgage? Ryan: Sure. Certainly. Jeremy: I see. So, your dad or mom wants to pay the down payment as a gift and some tax benefit potentially happens there. Ryan: Certainly. Jeremy: Some companies will let that happen and some won't. Ryan: Well, most companies will, but it does depend on the mortgage product itself. It depends on whether or not it's FAG or conventional loan, USDA, or a home ready product where it allows for a three percent down. Jeremy: Mm-hmm (affirmative). Ryan: There's a lot of programs that have different rules and regulations, which you really want to make sure that the mortgage lender that you're working with is knowledgeable and understands those rules, and which products can be used... Either that you use a down payment as a gift form and which ones you can not. Jeremy: Right, okay. Ryan: But I would say the fifth and final thing that we should discuss leading up to the mortgage is get a general sense of who you're going to want to work with as a realtor, if you're going to be shopping for homes. Jeremy: Mm-hmm (affirmative). Ryan: And also get a general sense in your home owners insurance, which is a very important piece that's always, or often times, not always, but often times overlooked in the beginning stages of the process is you want to kinda have a general idea of who you may want to work. I would always, always encourage you to use a local insurance company versus going online, just like I would always encourage you to use a local lender verus going online to find a lender. Jeremy: For the same reasons, because the advice is better, the contact is better, the communication is better and then that's true for I think both sides. Okay, so step five was... Ryan: Step five would be to get a general sense of who you're going to use for as a real estate agent and who you would be using for your home owner's insurance. Jeremy: Okay. All right, cool. Well, that sounds really good. All those things, and I think what's so great about talking about this right now is both you and I see, as we see people purchasing homes, that they don't do a lot of this stuff ahead of time. Then it becomes a disappointing scenario. Instead, I really think buying a house should be fun. Ryan: Yeah. Jeremy: But it can very quickly turn into a lot of work, tragedy, disappointment, things of that nature. I think the five steps you've talked to us about today will help folks to avoid that. Ryan: Absolutely. Jeremy: Okay. If folks want to come and find you for a mortgage, how can they do that Ryan? Ryan: The best way to contact me would be to call, phone number here in Bloomington, which is 812-650-3800, and also be found online at www.ruoff.com. That's R-U-O-F-F.com Or send an email directly to Ryan.langley@ruoff.com. Jeremy: All right. Well, thank you so much for taking some time out of your schedule today to help us understand mortgages a little bit better. Ryan: Thank you for having me.
Join Jeremy, Jason and Collin for the second installment of the Through the Grapevine. We get a little tease of the show's new theme song (more to come on that!) before the guys get right to it. The People. That's what drives any movement, region, business, whatever. We are extremely fortunate to have a Valley full of hard working, dedicated, but most importantly TALENTED people driving the businesses that ultimately shape the regions culture. We breakdown who is doing what in the area, who we draw inspiration from, and give you all insight into some of the behind the scenes things that take place in the food/wine world in Livermore Valley and beyond! SELFISH PLUG - LV INDUSTRY NIGHT AT SIDEWINDER MARCH 19 HOSTED BY THE ONE AND ONLY JEREMY TROUPE-MASI - IF YOU DON'T KNOW, NOW YOU KNOW
Perhaps one of the most underrated movies staring Jim Carrey, The Cable Guy straddles the lines between fright and comedy. Join Jeremy and Taylor as they review a cult classic from 1996.
Join Jeremy, Tom Annis, Tom Millard, and Kyle Timberlake as they do a deep dive into The Forces of Basilea! The gang covers army list entries, model options, and gameplay strategies. Blessed Be!
Join Jeremy, Tom Annis, Tom Millard, and Kyle Timberlake as they do a deep dive into The Forces of Basilea! The gang covers army list entries, model options, and gameplay strategies. Blessed Be!
Join Jeremy, Rob, Brinton, and newcomer Jesse Burke as the boys delve into The Bay of Kings! The boys also discuss Jesse’s Reckless Dice Podcast and Brinton’s new Kickstarter Ruin & Conquest!
Join Jeremy, Rob, Brinton, and newcomer Jesse Burke as the boys delve into The Bay of Kings! The boys also discuss Jesse’s Reckless Dice Podcast and Brinton’s new Kickstarter Ruin & Conquest!
Join Jeremy, The Master of Da Cheese Rashad, Tom, and Ryan as they discuss all things Cascade Clash. Also, the gang will provide a sneak peak into the Clash Of Storms GT coming this August to the Seattle area. West Coast and Pacific Northwest unite!
Join Jeremy, The Master of Da Cheese Rashad, Tom, and Ryan as they discuss all things Cascade Clash. Also, the gang will provide a sneak peak into the Clash Of Storms GT coming this August to the Seattle area. West Coast and Pacific Northwest unite!
Jeremy sits down to chat with Rob Kristoffersen of the Our Strange Skies podcast. Known as THE U.F.O. guy by many podcasters out there, Rob's show gets into the history, stories, and science of UFO cases. They guys had a lot of laughs and we hope you will too! But remember...Don't lick the UFO!!! Follow Our Strange Skies on Twitter @OurStrangeSkies Find Our Strange Skies on Facebook at https://www.facebook.com/ourstrangeskies/ Follow PWLT on Twitter @PWLTpodcast Join the PWLT Facebook group where we discuss ALL things under the podcast sun at www.facebook.com/groups/PodcastsWeListenTo/ Join Jeremy and your other favorite podcasters at the PodernLove podcast convention in New Orleans! Follow this link to book a room at the hotel, get tickets to the convention, get info on what shows will be appearing, and more! HOPE TO SEE YOU THERE! www.podern.love If you would like to help support Podcasts We Listen To, you can sign up on Patreon at https://www.patreon.com/PodcastsWeListenTo
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