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Hosted by kevin cross
5 episodes with kevin cross
3 episodes with kevin cross
3 episodes with kevin cross
2 episodes with kevin cross
2 episodes with kevin cross
2 episodes with kevin cross
3 episodes with kevin cross
2 episodes with kevin cross
Did you hear about the guy who tried to pay his taxes with a smile? Unfortunately for him, the IRS still prefers cash.All jokes aside, failing to file your taxes for several years is no small matter—but it's not the end of the road, either. Kevin Cross joins us today with practical steps to help you get back on track.Kevin Cross is a Certified Public Accountant (CPA) who has headed CPA firms in Florida and now Georgia. He has studied the tax code extensively and specializes in representing taxpayers before the Internal Revenue Service (IRS).Start With the Present, Not the PastThe further you fall behind, the more difficult it is to catch up. But rather than beginning with the year you first missed, he recommends filing your most recent return first—say, 2024—and working backward as needed. This shows the IRS that you're attempting to come into compliance, not ignoring your obligations.Falling behind on taxes is more common than most people think. Life events like divorce, disability, job loss, or even the rise of gig work can trigger tax complications. For example, many gig workers receive a 1099 for the first time, try to file using online software, and are shocked to discover they owe thousands. Rather than seek help, they freeze—and the following year's return also goes unfiled.Of course, COVID didn't help as many people have been struggling since then to get back on track.Do You Always Have to File?A common misunderstanding is that you must always file. If you're not going to owe anything, you don't have to file. That includes many senior citizens who live solely on Social Security.However, if you're due a refund, you have up to three years to file and claim it. Miss that window, and the refund is forfeited.Importantly, there's a difference between not filing and not paying. Sometimes you don't know what you owe—or if you owe—until you file.Even if you don't owe taxes on the sale of a primary residence, for example, the IRS won't know that unless you file. If you don't, you might receive a letter saying you owe thousands in capital gains tax—money you could've avoided paying.How to Begin the ProcessIf you're unsure how many years you've missed, a good first step is to request a Wage and Income Transcript from the IRS. This document shows all your reported income—W-2s, 1099s, Social Security, retirement distributions, and more. You can request it through the IRS website by searching for “IRS wage and income transcript.”Even with transcripts in hand, deciphering them can be complicated. That's why we strongly recommend seeking help from a CPA or tax professional familiar with IRS representation. You may not know what to do with what you find. You can find a Certified Kingdom Advisor (CKA) in your area who specializes in tax planning and preparation by going to FaithFi.com and clicking “Find a Professional”. Also, it's helpful to know that the IRS's own handbook, the Internal Revenue Manual, usually requires only the last six years of returns to be filed. That's a helpful limit for those unsure where to begin.The IRS Will Work With YouDon't let fear keep you stuck. The IRS can work with you. Options include payment plans or even an offer in compromise, which may reduce your total tax liability.Filing late taxes doesn't have to be terrifying. With the right help and a step-by-step plan, you can get back on track—and even experience peace of mind. The IRS just wants to see you trying. Start with today, and take it one step at a time.On Today's Program, Rob Answers Listener Questions:I have a TIAA retirement account from my husband's time as an adjunct professor at a local community college. It's a small amount. As I'm 76, I'm required to set aside a certain amount each year. I would like to give this to my son now so that those amounts can stay in the account and start accruing interest. Can I do that?We have a credit card balance of $15,000 with an interest rate of 11%. We try to pay $2,000 a month, but the balance keeps increasing. Part of the reason is that our 29-year-old daughter, who lives and works in London, has a card on our account. We initially gave her the card for emergencies and plane tickets home, but she's using it for other expenses, such as occasional Ubers and travel. We want to pay off this card, but we're making no progress. What can we do?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Kevin Cross (CPA)Internal Revenue Service (IRS.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
Albert Einstein reportedly once said, “The hardest thing in the world is to understand the income tax.”Well, if Einstein thought the U.S. tax code was mysterious, imagine how difficult it is for the rest of us. So, it's a real blessing that Kevin Cross joins us today with some much-needed tax tips.Kevin Cross is a Certified Public Accountant (CPA) who has headed CPA firms in Florida and now Georgia. He has studied the tax code extensively and specializes in representing taxpayers before the IRS. Key Tax Changes When Filing 2024 TaxesWith W-2s and 1099s now in hand, taxpayers are beginning to file their returns. Here are some important updates to keep in mind:1. Crypto and Stock Reporting is More SophisticatedIf you've traded stocks or cryptocurrency, be aware that financial institutions are now required to provide more detailed and structured reporting to the IRS. Trying to avoid reporting crypto losses or small transactions? That's not an option anymore. Even if you had minimal gains or losses, it's crucial to report them accurately.2. Gig Workers Need to Track Expenses CarefullyMore people than ever are working in the gig economy—driving for rideshare services, delivering food, and freelancing. If you received a 1099 and saw a higher-than-expected income total, remember that you can deduct legitimate business expenses.Some key expenses to track include:Mileage driven for workEquipment or tools used for the job (like delivery bags or ride-sharing accessories)Home office expenses, if applicable3. Home Office Deduction Made SimpleFor those working from home, the simplified home office deduction remains available. Instead of complex calculations, the IRS offers a straightforward option: you can deduct up to $1,500 based on the square footage of your home used for business. This method, sometimes called the "tax court method," makes claiming a home office deduction much easier.Beware of Tax Scams: A New Threat EmergesUnfortunately, tax season also brings an increase in fraudulent activity. One of the most concerning scams right now involves Merrill Lynch accounts, and it's catching even savvy investors off guard.The Merrill Lynch Phishing ScamHere's how it works:Scammers deposit a small amount of money into a Merrill Lynch brokerage account.Merrill Lynch detects the fraudulent deposit and contacts the account holder.The next day, the victim receives an email from what appears to be Merrill Lynch, stating they need to transfer their money due to a security breach.Thinking it's a follow-up to a legitimate issue, the victim complies—only to have their money stolen.This scam is particularly dangerous because it plays off real events, making it feel credible. Tragically, one victim lost $900,000 in savings and was so devastated that he took his own life.How to Protect YourselfScammers rely on urgency and deception. Here's how you can stay safe:Never respond to unsolicited emails or phone calls requesting personal or financial information.Always initiate contact with financial institutions directly through their official website or customer service number.Know the IRS Rules: The IRS will never text, email, or call you to demand payment. If you receive such a message, it's a scam.As you prepare your taxes this year, keep these key points in mind:Report all taxable income, including crypto and gig work, and track eligible deductions.If you work from home, take advantage of the simplified home office deduction.Stay vigilant against tax scams—verify any financial communications by reaching out directly to the institution.If you need more tax guidance, you can learn more at KevinCrossCPA.com. Stay safe and file smart this tax season!On Today's Program, Rob Answers Listener Questions:I have a multi-year guaranteed annuity from Gainbridge that pays around 6% for 3 years. Would it be a good idea for me to invest in it for at least a little while?I have a return-of-premium insurance policy. After 20 years, I'm supposed to get all the premiums I paid back, which will be around $32,000. I'm only two years into this policy, but I have some other loans and mortgages I need to pay off. Would it be better to drop this policy and get a different insurance policy, or should I keep the return-of-premium policy?I recently heard a minister commentator I respect say that you don't have to tithe once you are living on your retirement. My husband and I have been tithing off his income while he's still working and I'm retired, and we've found it to be a great blessing. However, the thought of not tithing once he retires concerns me. Is this biblical?My wife and I have about $8,500 in credit card debt and a vehicle payment. To help with this, I am considering opening a new credit card with interest-free payments. My wife's grandmother also mentioned a credit card relief program to me, but I don't know if that would be bad for my credit history. What would be the best way for us to approach paying off this debt?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineChristian Credit CounselorsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
Albert Einstein reportedly once said, “The hardest thing in the world is to understand the income tax.” And if Einstein thought the U.S. tax code was mysterious, imagine how difficult it is for the rest of us! On today's Faith & Finance Live, Rob West will welcome Kevin Cross to share some much-needed tax tips. Then they will tackle your tax questions. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.
Join me for a heartfelt episode of The Next Wave. I'm talking with psychic medium Kevin Cross and spiritual intuitive Shaun Mathieu to explore how their spiritual journeys have been shaped by their experiences as members of the LGBTQ+ community. From mediumship and tarot to ancient spiritual practices, Kevin and Shaun discuss their personal paths, the power of unconditional love, and finding your place in the spiritual world—even if you're a little “weird.” Get your FREE Guided Angel Meditation here https://school.radleighvalentine.com/mbs-meditation. Available until 2/28/25. Kevin's Website - https://www.kevincross.com Shaun's Website - https://shaunmathieu.com Learn more about your ad choices. Visit megaphone.fm/adchoices
Did you hear about the guy who paid his taxes to the IRS with a smile? It didn't work out, though—it turns out they prefer money.Well, paying taxes is certainly no laughing matter, and we don't want to miss something that could end up costing us money. Fortunately, Kevin Cross is here today with a list of year-end tax tips you don't want to miss.Kevin Cross is a Certified Public Accountant (CPA) who has headed CPA firms in Florida and now Georgia. He has studied the tax code extensively and specializes in representing taxpayers before the IRS. 2024 Year-End Tax StrategiesAs the end of 2024 draws near, these are some critical financial moves that can help you maximize your tax savings: 1. Review Withholding and Estimated PaymentsThe first step in year-end tax prep is to check how much you've paid in taxes this year. Avoid underpaying (which leads to penalties) or overpaying (which gives the government an interest-free loan on your money). For those behind on withholding, consider adjusting your remaining paychecks to make up the difference.2. Max Out Retirement ContributionsContributing to a retirement account like a 401(k) or IRA is one of the best ways to lower your taxable income. For high-income earners, consider a “backdoor Roth IRA”—a strategy involving non-deductible IRA contributions converted to a Roth IRA, providing tax-free growth.3. Optimize Charitable ContributionsCharitable giving is a powerful tax strategy, especially if you bundle multiple years of contributions. By “bunching” donations, you may surpass the standard deduction threshold, allowing you to itemize and benefit from your generosity. A donor-advised fund (DAF) can streamline this process, allowing you to make a large donation this year and distribute it to charities over time.4. Donate Appreciated AssetsConsider donating appreciated stocks or mutual funds to avoid paying capital gains tax on the appreciation. For example, if you bought stock for $1,000 and it's now worth $1,500, donating it allows you to deduct the full $1,500 without incurring capital gains tax on the $500 gain.5. Qualified Charitable Distributions for IRA HoldersFor those 70½ or older, Qualified Charitable Distributions (QCDs) from an IRA allow you to donate directly to charity without counting the distribution as taxable income. This is particularly helpful if you're taking the standard deduction.6. Take Advantage of Section 121 Exclusion on Home SalesSection 121 of the tax code allows homeowners to exclude up to $500,000 in capital gains (for married couples) when selling their primary residence, provided they've lived in it for at least two of the last five years. This is a significant opportunity for those considering selling their homes in a high-appreciation market.7. Avoid Underpayment PenaltiesQuarterly estimated payments are essential to avoid IRS interest and penalties if you're self-employed or a gig worker. Failure to pay quarterly could result in a penalty that acts like interest on unpaid taxes, making it costlier than paying in installments.8. Don't Ignore Past Tax IssuesIf you're behind on tax filings or payments, now's the time to act. Many individuals feel overwhelmed, but taking the first step to seek professional help can bring peace and clarity. We advise you to contact a CPA with IRS experience to assist with this process.These strategies can help you make the most of tax season and avoid paying more than necessary. Remember, the tax code is complex, and each situation is unique, so consulting with a CPA, especially one experienced in IRS negotiations, can provide personalized guidance. On Today's Program, Rob Answers Listener Questions:I have some rental properties that I'm worried will be sold for cheap at auction after I'm gone since my kids in California don't want to return to Arkansas. Should I sell the properties and put the money in a trust for my grandkids' education?I'm contributing 15% of my income to my 401(k), and my employer matches 5%. But I'm trying to build up my emergency savings, and I'm only at about two months' worth right now. Should I stop contributing to my 401(k) for now so I can focus on getting my emergency fund up to 6 months' expenses?Resources Mentioned:Kevin Cross, CPANational Christian Foundation (NCF)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
There’s less than 60 days until the end of Tax Year 2024. So, do you know what you need to do to minimize your tax bill before time expires? On today's Faith & Finance Live, Kevin Cross will join Rob West to share a list of year-end tax tips you don’t want to miss. Then, they will answer your calls and tax related questions. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here. To support the ministry of FaithFi, click here. To learn more about Rob West, click here. To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.
It's the first annual Sicko Bowl! Maxwell Baumbach and Stephen Gillaspie draft their teams of Portsmouth Invitational prospects! They break down several of their top prospects in the field, along with a few honorable mentions! Intro- 00:00 (Pick 1) Riley Minix- 6:43 (Pick 2) Jaylin Williams- 12:41 (Pick 3) Isaiah Crawford- 17:05 (Pick 4) Drew Pember- 22:11 (Pick 5) Enrique Freeman- 26:58 (Pick 6) Joel Soriano- 30:30 (Pick 7) Kevin Cross- 37:12 (Pick 8) Malevy Leons- 42:33 (Pick 9) Ta'Lon Cooper 47:43 (Pick 10) Daniss Jenkns- 50:25 Honorable Mentions- 55:47 To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
It's the first annual Sicko Bowl! Maxwell Baumbach and Stephen Gillaspie draft their teams of Portsmouth Invitational prospects! They break down several of their top prospects in the field, along with a few honorable mentions! Intro- 00:00 (Pick 1) Riley Minix- 6:43 (Pick 2) Jaylin Williams- 12:41 (Pick 3) Isaiah Crawford- 17:05 (Pick 4) Drew Pember- 22:11 (Pick 5) Enrique Freeman- 26:58 (Pick 6) Joel Soriano- 30:30 (Pick 7) Kevin Cross- 37:12 (Pick 8) Malevy Leons- 42:33 (Pick 9) Ta'Lon Cooper 47:43 (Pick 10) Daniss Jenkns- 50:25 Honorable Mentions- 55:47 To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
As Tulane basketball heads into the postseason, Lisa Stockton chats with Paul Boron and putting it altogether to make a run in Fort Worth. Then, Ron Hunter talks with Corey Gloor on balancing the emotions of Senior Night, and what the duo of Kevin Cross and Jaylen Forbes has meant to him and the program.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Tom Steigleman hosts today's program Tom talks about Anchorage Assembly member Kevin Cross announcing his resignation from the Assembly, Donald Trump being removed from the Colorado Republican Primary Ballot by the Colorado Supreme Court, and Hunter Biden getting an unlogged ride on Marine 1. Anchorage Assembly member Scott Meyers calls in to get listeners up to speed on what is happening with the Anchorage Assembly and the importance of finding the right candidate to replace Kevin Cross.Tom talks about the upcoming unsealing of and the revealing of up to 180 names involved in the Jeffry Epstein case.Jesse James representing New Season Church calls in about their Reboot Combat Recovery program that starts in January. Reboot Combat Recovery helps active duty and military veterans recover from the trauma they've experienced. Find more information and register at RebootRecovery.com.
Mr. Triple Double, Kevin Cross, stops by the show to chat with Corey on his wild 45 hours and what life has been since taking the national stage. Then, safety Bailey Despanie and linebacker Tyler Grubbs are beyond happy to be back on the field and preparing for the Military Bowl. They discuss everything that's been happening with Tulane football the last three weeks, and re-setting the minds to get a win over Virginia Tech next week.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
The College Basketball Experience (@TCEonSGPN) on the Sports Gambling Podcast Network previews the upcoming American Athletic Conference (AAC) Season Preview for 2023-2024. Pick Dundee aka (@TheColbyD), Ryan McIntyre (@Moneyline_Mac) & Noah Bieneik (@NoahB77_) break down each and every team in the new look AAC Conference. Are Dusty May and the Florida Atlantic Owls a lock to run away with the AAC regular season and post season tournament championships? How was it that Florida Atlantic was able to bring back Alijah Martin, Johnell Davis, Vladislav Goldin, Brandon Weatherspoon, etc in this day and age of the transfer portal?Will Penny Hardaway and the new look Memphis Tigers with Jahvon Quinerly, Caleb Mills, Jordan Brown, Jaykwon Walton, Nick Jourdain and Jayhlon Young? Will Andy Kennedy and the UAB Blazers be fine despite losing Jelly Walker? Did UAB win the transfer portal by getting Daniel Ortiz from North Alabama, James White from Ole Miss, Barry Dunning from Arkansas and Will Shaver from North Carolina? Will Mike Schwartz and the East Carolina Pirates be a contender in the AAC with the additions of Cam Hayes, Bobby Pettiford Jr. and hiring Mark Adams the former Texas Tech head head coach to an assistant position?Is this the year that Ron Hunter and the Tulane Green Wave make a big time splash with the return of Jaylen Forbes and Kevin Cross and the addition of Kolby King from St. John's and Gregg Glenn from Michigan? What should we expect from brand new North Texas head coach Ross Hodge after being a long time assistant for the Mean Green? Will year two for Rob Lanier at SMU be the year he turns a corner after bringing in Chuck Harris from Butler, Ja'Heim Hudson from Georgia State, Tyreek Smith from Oklahoma State, B.J. Edwards from Tennessee and Denver Anglin from Georgetown to go with Zhuric Phelps and Samuell Williamson as the Mustangs try to load up before heading to the ACC?=====================================================Support us by supporting our partnersGametime code SGPN - Download the Gametime app, create an account, and use code SGPN for $20 off your first purchase - https://gametime.co/DraftKings code SGP - $5 bet gets you $200 in bonus bets - https://www.draftkings.comUnderdog Fantasy code SGPN - 100% Deposit Match up to $100 - https://play.underdogfantasy.com/p-sgpn4:42then add this somewhereFREEROLL FOOTBALL NFL PICKEM CONTEST w/ $3000 IN PRIZES + AUTOGRAPHED SUPER BOWL SGP HELMET - https://sgpn.appFREE COLLEGE FOOTBALL CONTEST w/ $3000 IN PRIZES - https://sg.pn/bankrollDiscuss with fellow degens on Discord - https://sg.pn/discordSGPN Merch Store - https://sg.pn/storeDownload The Free SGPN App - https://sgpn.appCheck out SGPN.TVSupport us by supporting our partnersUnderdog Fantasy code SGPN - 100% Deposit Match up to $100 - https://sg.pn/underdogFollow The College Experience & SGPN On Social MediaTwitter - https://twitter.com/TCEonSGPNTwitter - http://www.twitter.com/gamblingpodcastInstagram - http://www.instagram.com/sportsgamblingpodcastTikTok - https://www.tiktok.com/@gamblingpodcastFacebook - http://www.facebook.com/sportsgamblingpodcastYoutube - https://www.youtube.com/@TheCollegeExperienceFollow The Hosts On Social MediaColby Dant - http://www.twitter.com/thecolbydPatty C - https://twitter.com/PattyC831NC Nick - https://twitter.com/NC__NicKWatch the Sports Gambling PodcastYouTube - https://www.sg.pn/YouTubeTwitch - https://www.sg.pn/TwitchRead & Discuss - Join the conversationWebsite - https://www.sportsgamblingpodcast.comSlack - https://sg.pn/slackReddit - https://www.sg.pn/reddit Learn more about your ad choices. Visit podcastchoices.com/adchoices
The College Basketball Experience (@TCEonSGPN) on the Sports Gambling Podcast Network previews the upcoming American Athletic Conference (AAC) Season Preview for 2023-2024. Pick Dundee aka (@TheColbyD), Ryan McIntyre (@Moneyline_Mac) & Noah Bieneik (@NoahB77_) break down each and every team in the new look AAC Conference. Are Dusty May and the Florida Atlantic Owls a lock to run away with the AAC regular season and post season tournament championships? How was it that Florida Atlantic was able to bring back Alijah Martin, Johnell Davis, Vladislav Goldin, Brandon Weatherspoon, etc in this day and age of the transfer portal? Will Penny Hardaway and the new look Memphis Tigers with Jahvon Quinerly, Caleb Mills, Jordan Brown, Jaykwon Walton, Nick Jourdain and Jayhlon Young? Will Andy Kennedy and the UAB Blazers be fine despite losing Jelly Walker? Did UAB win the transfer portal by getting Daniel Ortiz from North Alabama, James White from Ole Miss, Barry Dunning from Arkansas and Will Shaver from North Carolina? Will Mike Schwartz and the East Carolina Pirates be a contender in the AAC with the additions of Cam Hayes, Bobby Pettiford Jr. and hiring Mark Adams the former Texas Tech head head coach to an assistant position? Is this the year that Ron Hunter and the Tulane Green Wave make a big time splash with the return of Jaylen Forbes and Kevin Cross and the addition of Kolby King from St. John's and Gregg Glenn from Michigan? What should we expect from brand new North Texas head coach Ross Hodge after being a long time assistant for the Mean Green? Will year two for Rob Lanier at SMU be the year he turns a corner after bringing in Chuck Harris from Butler, Ja'Heim Hudson from Georgia State, Tyreek Smith from Oklahoma State, B.J. Edwards from Tennessee and Denver Anglin from Georgetown to go with Zhuric Phelps and Samuell Williamson as the Mustangs try to load up before heading to the ACC? ===================================================== Support us by supporting our partners Gametime code SGPN - Download the Gametime app, create an account, and use code SGPN for $20 off your first purchase - https://gametime.co/ DraftKings code SGP - $5 bet gets you $200 in bonus bets - https://www.draftkings.com Underdog Fantasy code SGPN - 100% Deposit Match up to $100 - https://play.underdogfantasy.com/p-sgpn 4:42 then add this somewhereFREEROLL FOOTBALL NFL PICKEM CONTEST w/ $3000 IN PRIZES + AUTOGRAPHED SUPER BOWL SGP HELMET - https://sgpn.app FREE COLLEGE FOOTBALL CONTEST w/ $3000 IN PRIZES - https://sg.pn/bankroll Discuss with fellow degens on Discord - https://sg.pn/discord SGPN Merch Store - https://sg.pn/store Download The Free SGPN App - https://sgpn.app Check out SGPN.TV Support us by supporting our partners Underdog Fantasy code SGPN - 100% Deposit Match up to $100 - https://sg.pn/underdog Follow The College Experience & SGPN On Social Media Twitter - https://twitter.com/TCEonSGPN Twitter - http://www.twitter.com/gamblingpodcast Instagram - http://www.instagram.com/sportsgamblingpodcast TikTok - https://www.tiktok.com/@gamblingpodcast Facebook - http://www.facebook.com/sportsgamblingpodcast Youtube - https://www.youtube.com/@TheCollegeExperience Follow The Hosts On Social Media Colby Dant - http://www.twitter.com/thecolbyd Patty C - https://twitter.com/PattyC831 NC Nick - https://twitter.com/NC__NicK Watch the Sports Gambling Podcast YouTube - https://www.sg.pn/YouTube Twitch - https://www.sg.pn/Twitch Read & Discuss - Join the conversation Website - https://www.sportsgamblingpodcast.com Slack - https://sg.pn/slack Reddit - https://www.sg.pn/reddit Learn more about your ad choices. Visit podcastchoices.com/adchoices
The College Basketball Experience (@TCEonSGPN) on the Sports Gambling Podcast Network previews the upcoming American Athletic Conference (AAC) Season Preview for 2023-2024. Pick Dundee aka (@TheColbyD), Ryan McIntyre (@Moneyline_Mac) & Noah Bieneik (@NoahB77_) break down each and every team in the new look AAC Conference. Are Dusty May and the Florida Atlantic Owls a lock to run away with the AAC regular season and post season tournament championships? How was it that Florida Atlantic was able to bring back Alijah Martin, Johnell Davis, Vladislav Goldin, Brandon Weatherspoon, etc in this day and age of the transfer portal?Will Penny Hardaway and the new look Memphis Tigers with Jahvon Quinerly, Caleb Mills, Jordan Brown, Jaykwon Walton, Nick Jourdain and Jayhlon Young? Will Andy Kennedy and the UAB Blazers be fine despite losing Jelly Walker? Did UAB win the transfer portal by getting Daniel Ortiz from North Alabama, James White from Ole Miss, Barry Dunning from Arkansas and Will Shaver from North Carolina? Will Mike Schwartz and the East Carolina Pirates be a contender in the AAC with the additions of Cam Hayes, Bobby Pettiford Jr. and hiring Mark Adams the former Texas Tech head head coach to an assistant position?Is this the year that Ron Hunter and the Tulane Green Wave make a big time splash with the return of Jaylen Forbes and Kevin Cross and the addition of Kolby King from St. John's and Gregg Glenn from Michigan? What should we expect from brand new North Texas head coach Ross Hodge after being a long time assistant for the Mean Green? Will year two for Rob Lanier at SMU be the year he turns a corner after bringing in Chuck Harris from Butler, Ja'Heim Hudson from Georgia State, Tyreek Smith from Oklahoma State, B.J. Edwards from Tennessee and Denver Anglin from Georgetown to go with Zhuric Phelps and Samuell Williamson as the Mustangs try to load up before heading to the ACC?=====================================================Support us by supporting our partnersGametime code SGPN - Download the Gametime app, create an account, and use code SGPN for $20 off your first purchase - https://gametime.co/DraftKings code SGP - $5 bet gets you $200 in bonus bets - https://www.draftkings.comUnderdog Fantasy code SGPN - 100% Deposit Match up to $100 - https://play.underdogfantasy.com/p-sgpn4:42then add this somewhereFREEROLL FOOTBALL NFL PICKEM CONTEST w/ $3000 IN PRIZES + AUTOGRAPHED SUPER BOWL SGP HELMET - https://sgpn.appFREE COLLEGE FOOTBALL CONTEST w/ $3000 IN PRIZES - https://sg.pn/bankrollDiscuss with fellow degens on Discord - https://sg.pn/discordSGPN Merch Store - https://sg.pn/storeDownload The Free SGPN App - https://sgpn.appCheck out SGPN.TVSupport us by supporting our partnersUnderdog Fantasy code SGPN - 100% Deposit Match up to $100 - https://sg.pn/underdogFollow The College Experience & SGPN On Social MediaTwitter - https://twitter.com/TCEonSGPNTwitter - http://www.twitter.com/gamblingpodcastInstagram - http://www.instagram.com/sportsgamblingpodcastTikTok - https://www.tiktok.com/@gamblingpodcastFacebook - http://www.facebook.com/sportsgamblingpodcastYoutube - https://www.youtube.com/@TheCollegeExperienceFollow The Hosts On Social MediaColby Dant - http://www.twitter.com/thecolbydPatty C - https://twitter.com/PattyC831NC Nick - https://twitter.com/NC__NicKWatch the Sports Gambling PodcastYouTube - https://www.sg.pn/YouTubeTwitch - https://www.sg.pn/TwitchRead & Discuss - Join the conversationWebsite - https://www.sportsgamblingpodcast.comSlack - https://sg.pn/slackReddit - https://www.sg.pn/reddit Learn more about your ad choices. Visit podcastchoices.com/adchoices
The College Basketball Experience (@TCEonSGPN) on the Sports Gambling Podcast Network previews the upcoming American Athletic Conference (AAC) Season Preview for 2023-2024. Pick Dundee aka (@TheColbyD), Ryan McIntyre (@Moneyline_Mac) & Noah Bieneik (@NoahB77_) break down each and every team in the new look AAC Conference. Are Dusty May and the Florida Atlantic Owls a lock to run away with the AAC regular season and post season tournament championships? How was it that Florida Atlantic was able to bring back Alijah Martin, Johnell Davis, Vladislav Goldin, Brandon Weatherspoon, etc in this day and age of the transfer portal? Will Penny Hardaway and the new look Memphis Tigers with Jahvon Quinerly, Caleb Mills, Jordan Brown, Jaykwon Walton, Nick Jourdain and Jayhlon Young? Will Andy Kennedy and the UAB Blazers be fine despite losing Jelly Walker? Did UAB win the transfer portal by getting Daniel Ortiz from North Alabama, James White from Ole Miss, Barry Dunning from Arkansas and Will Shaver from North Carolina? Will Mike Schwartz and the East Carolina Pirates be a contender in the AAC with the additions of Cam Hayes, Bobby Pettiford Jr. and hiring Mark Adams the former Texas Tech head head coach to an assistant position? Is this the year that Ron Hunter and the Tulane Green Wave make a big time splash with the return of Jaylen Forbes and Kevin Cross and the addition of Kolby King from St. John's and Gregg Glenn from Michigan? What should we expect from brand new North Texas head coach Ross Hodge after being a long time assistant for the Mean Green? Will year two for Rob Lanier at SMU be the year he turns a corner after bringing in Chuck Harris from Butler, Ja'Heim Hudson from Georgia State, Tyreek Smith from Oklahoma State, B.J. Edwards from Tennessee and Denver Anglin from Georgetown to go with Zhuric Phelps and Samuell Williamson as the Mustangs try to load up before heading to the ACC? ===================================================== Support us by supporting our partners Gametime code SGPN - Download the Gametime app, create an account, and use code SGPN for $20 off your first purchase - https://gametime.co/ DraftKings code SGP - $5 bet gets you $200 in bonus bets - https://www.draftkings.com Underdog Fantasy code SGPN - 100% Deposit Match up to $100 - https://play.underdogfantasy.com/p-sgpn 4:42 then add this somewhereFREEROLL FOOTBALL NFL PICKEM CONTEST w/ $3000 IN PRIZES + AUTOGRAPHED SUPER BOWL SGP HELMET - https://sgpn.app FREE COLLEGE FOOTBALL CONTEST w/ $3000 IN PRIZES - https://sg.pn/bankroll Discuss with fellow degens on Discord - https://sg.pn/discord SGPN Merch Store - https://sg.pn/store Download The Free SGPN App - https://sgpn.app Check out SGPN.TV Support us by supporting our partners Underdog Fantasy code SGPN - 100% Deposit Match up to $100 - https://sg.pn/underdog Follow The College Experience & SGPN On Social Media Twitter - https://twitter.com/TCEonSGPN Twitter - http://www.twitter.com/gamblingpodcast Instagram - http://www.instagram.com/sportsgamblingpodcast TikTok - https://www.tiktok.com/@gamblingpodcast Facebook - http://www.facebook.com/sportsgamblingpodcast Youtube - https://www.youtube.com/@TheCollegeExperience Follow The Hosts On Social Media Colby Dant - http://www.twitter.com/thecolbyd Patty C - https://twitter.com/PattyC831 NC Nick - https://twitter.com/NC__NicK Watch the Sports Gambling Podcast YouTube - https://www.sg.pn/YouTube Twitch - https://www.sg.pn/Twitch Read & Discuss - Join the conversation Website - https://www.sportsgamblingpodcast.com Slack - https://sg.pn/slack Reddit - https://www.sg.pn/reddit Learn more about your ad choices. Visit podcastchoices.com/adchoices
Jeff was joined by Anchorage Assembly member Kevin Cross. They talk about his time on the Assembly since being elected in April 2022, his background working in real estate, the housing problem Anchorage faces, an ordinance he recently cosponsored that aims to streamline zoning in Anchorage, this history of zoning in Anchorage, why there is more home building in the Mat-Su Valley, some of the opposition he's facing from conservatives, how the proposed Knik Arm bridge would help solve the housing crisis, and when the zoning ordinance will likely be voted on.
Nolan Klouda is the director of the Center for Economic Development at the University of Alaska Anchorage. The Center promotes entrepreneurship, economic development planning, and research that provides potential policy solutions to Alaska mayors, assembly members, and legislators. Nolan was born and raised in Anchorage and left the state 20 years ago with no plan to return. Luckily for us he did come back and has led the Center for Economic Development for the past 9 years. Today we discuss Alaska housing issues including the new municipal ordinance brought forward by Anchorage Assembly members Kevin Cross and Meg Zaletel that would simplify Anchorage's Zoning Code: AO 2023-66.Note: During the episode you will hear Nolan Klouda and myself refer to ISER. ISER stands for the Institute of Social and Economic Research which is organization also housed at the University of Alaska Anchorage which helps determine public policy.
Jalen Cook, Kevin Cross, Jaylen Forbes and Sion James received honors from the American Athletic Conference this week and they took time to visit with us about those honors, the season, the conference tournament, Coach Hunter's 500th win and more!
Check out our highlighted non-profit of the episode Community Sailing New Orleans at NOLACommunitySailing.org
FTW Cast: Kevin Cross and Jaylen Forbes by Fear The Wave
On the occassion of his retirement, The Hon. Mr Justice Kevin Cross speaks to David Nolan SC, reflecting on a 36 year career at the Bar, his time at the Bench, and some of the personalities & experiences of his distinguished career. This is based on a recording from June 2021. The views expressed in this podcast are the contributors' own and do not necessarily reflect the views of The Bar of Ireland. Intro music: Blank Slate - VYEN
Ellen and Tish welcome Kevin Cross to the show to talk about midlife dating from his point of view. He's a friend and a big supporter of the Midsters Podcast and he is currently single. Kevin shares his dating philosophy called equally yoked and we ask him questions sent in by our listeners! Tish's obsession: Smile Direct LED teeth whitening kit and refill pack Ellen's obsession: Mrs. Meyers Geranium room sprayGrab a Misdters tee shirt, beanie, or hoodie at The Midsters Store
All-Conference basketball players Jaylen Forbes and Kevin Cross talk about their offseason plans, their thoughts on the 2021-2022 season and more!
Kevin Cross and Jaylen Forbes join Kelly Comarda to discuss their Tulane experiences and the 2021-2022 basketball season.
In today's episode, Scott Levesque and Suzanne Downing connect with Kevin Cross. Kevin is currently running for Anchorage Assembly in District 2 - Eagle River/Chugiak. Learn more about Kevin's platform and why he decided to run for the Assembly. All that, and more! Kevin's Campaign Website: www.crossforak.com
In this episode of White Canes Connect, we speak with blind entrepreneurs Victoria Herrera and Kevin Cross. Victoria owns, and is literally hands-on operator as a certified and licensed massage therapist of Majestic Healing Hands. Kevin is the creator of the Essential Kane Keeper, the bag to store your folding white cane. We also hear from Kirk Hunger to find out how the Greater Lehigh Valley Chapter celebrated the season. Show notes at https://www.whitecanesconnect.com/017 Majestic Healing Hands Learn all about Victoria's business at MajesticHealingHands.com. You can see the offers she mentioned on her deal page. Majestic Healing Hands is located at 36 South Pill Street in Carlisle, PA. Contact Victoria to order the scrubs via email at MajesticHealingHands@gmail.com. You can call Victoria at (484) 367-5443. Essential Kane Keeper If you want to learn more about or to order an Essential Kane Keeper, contact Kevin via email at kmcessentials7@gmail.com. You can also contact him via phone at (442) 226-6191. Follow White Canes Connect Apple Podcasts | Spotify | Amazon Connect With Us If you've got questions, comments, or show ideas, reach out on Twitter. We are @PABlindPodcast. You can also email us at WhiteCanesConnect@gmail.com
There has been some community opposition to the multi-million dollar Goolwa Wharf draft Master Plan. Friends of the Oscar W, a group dedicated to the restoration, maintenance and promotion of the historic 113-year-old Oscar W Paddle Steamer, generated more than 700 signatures on a petition against some elements of the draft plan on Sunday. Volunteer engineer and committee member Kevin Cross joined Jennie on Monday to discuss his concerns. Alexandrina Mayor Keith Parkes joins Jennie Lenman in this podcast to respond to concerns. The pair also discuss how riverbank erosion is delaying the opening of the Strathalbyn Pool and how Council will soon start looking for a new CEO. The Council is taking on board all community input during the Goolwa Wharf draft Master Plan consultation, which closes this Friday 22 October via mysay.alexandrina.sa.gov.au/gwp.
The iconic Goolwa Wharf Precinct is soon to undergo a major redevelopment, thanks to a significant investment from the Federal and State Governments. Alexandrina Council's draft Master Plan is currently out for consultation and not everyone is happy about the proposed changes. The Friends of the Oscar W group are concerned about the makeover of the heritage shed, a reduction in green spaces and the relocation of the historic paddle steamer. Kevin Cross, a volunteer engineer and committee member for the Friends of the Oscar W, joins Jennie Lenman to share his concerns. The draft plan can be viewed at mysay.alexandrina.sa.gov.au/gwp
It can become really easy to believe you are doing the right thing for your family by staying in a career that is comfortable but no longer fulfilling. Why should they suffer or have to give up things just so you can be happy...but what if you “sucking it up” is actually causing more harm than good? Kevin Cross was no stranger to career unfulfillment even before he watched his wife battle with it. With a lot of work, both Kevin and his wife Melanie supported each other through their individual career crossroads, and now Kevin is happy and motivated to share his experience and let it inspire others. On this episode of The Bridge to Fulfillment, Blake sits down with Kevin to talk about the effects an unfulfilling career has on everyone - not just the person in the job itself - as well as what it actually costs to take care of others over yourself, the truth about taking back control of your life, and recognizing the worth of an investment in yourself and your own happiness. Listen in for the unheard other half of a common story. You'll Learn How we receive what we're meant to receive, when we're meant to receive it (and how to take advantage when it happens) Why vulnerability is necessary for couples trying to navigate a stressful place in someone's career What we can learn, about ourselves, our families and our careers, from COVID-19 and time spent in quarantine And much more! Favorite Quote “I just think it's such a tremendous opportunity to take inventory of where we are, where we want our lives to go and to be more deliberate, believe in yourself, have courage and believe that if you're doing truly your best work and something that you love doing, you will do it so much better. And the level of success you're going to experience is going to be beyond what you can possibly fathom.” - Kevin Cross How to connect with Blake Click here to schedule a 15-minute discovery call with Blake How to get involved If you would like some help to get clarity & a roadmap for your path ahead, schedule a free strategy call today. You can also visit my website for more information and valuable resources. You are capable of far more than you can imagine. Life doesn't have to be an either/or. You can have it all and do it without taking a leap or risking what you've worked so hard to build! Liked this episode, be sure to subscribe on iTunes and leave a review. We love to hear your feedback and we'd love for you to help us spread the word!
Jacob joins Gary and talks what he wants out of the draft, if E sports is for him, BYU lands a BIG man, why didn't Kevin Cross work at Nebraska, Creighton, and more!
Nick was joined by Chris Basnett of the Lincoln Journal Star to talk Husker football schedule and the transfer of Kevin Cross from the Husker Hoops team.
Nebraska basketball assistant Matt Abdelmassih joined us on the HuskerOnline show to talk about Kevin Cross and Charlie Easley's departure and more.
On the first hour of The Nick Handley Show, we talk breaking husker basketball news as Kevin Cross enters the portal. Then one one man's question for Athletic Director Bill Moos last night really stood out. Then we talk with Greg Smith of Hail Varsity.
Our Friday edition of Sports Nightly featuring interviews with Husker Online's Nate Clouse, Nebraska Gymnastics coach Chuck Chmelka, Nebraska Men's Basketball player Kevin Cross, and Husker Baseball player Jaxon Hallmark.
Our Friday edition of Sports Nightly featuring interviews with Husker Online's Nate Clouse, Nebraska Gymnastics coach Chuck Chmelka, Nebraska Men's Basketball player Kevin Cross, and Husker Baseball player Jaxon Hallmark.
Our Friday edition of Sports Nightly featuring interviews with Husker Online's Nate Clouse, Nebraska Gymnastics coach Chuck Chmelka, Nebraska Men's Basketball player Kevin Cross, and Husker Baseball player Jaxon Hallmark.
Two of the three members of the “Three Man Weave” start off talking about New York City as Nate needs guidance. If you want to provide him any, then please let the podcast know. Kevin and Nate then review the losses to Indiana and Wisconsin. Nate actually has some nice things to say about Kevin Cross. Some...nice things to say about Kevin Cross. Then they list off, at this point in the season, the three things they were right about and the three things they were wrong about. It was fun. Please join us! Be sure to download and subscribe to our podcast on whatever platform you prefer, and you’ll also get all the fellow (but inferior) Corn Nation Radio podcasts as well. Finally, please follow us on twitter for all the latest Nebrasketball and Husker action. Follow us on Twitter at @Bangs&Dags Follow Kevin on Twitter at @SpartyOnHuskers Follow Patrick on Twitter at @PatrickGerhart Follow Nate on Twitter at @nmchugh85 Learn more about your ad choices. Visit megaphone.fm/adchoices
Most people sell their time for dollars. Were you really meant to do what you’re doing right now? Mark Twain said, “Why not go out on a limb? That’s where the fruit is.” Culture conditions most people to live an average, stale life. Don’t trade away your authenticity for approval. In over 6,000 years of human history, being a conformer is not a success recipe. 40 rental doors x $150 cash flow = $6,000 per month. This buys you time. Don’t fear failure; fear not trying. Powerful assignment: write your own obituary. No one achieves anything extraordinary by playing it safe. People that say, “I want to live frugally.” actually want to say, “I want to live well.” But they don’t know how. Get residual real estate income at: www.GREturnkey.com I update you on asset class prices over the past year. Americans paid $4.5T in rent this past decade. The median homebuyer age is up to 47. Corelogic expects a 5.4% housing price jump in 2020. Housing shortages should continue at the low end of the market. Nearly every news outlet reports a stable housing environment. Why? Demand exceeds supply, appreciation rates are sustainable, stringent loan requirements, inflation-adjusted home prices are often still below 2005 levels. **The entire episode's lyrics are at the bottom.** __________________ Resources mentioned: Turnkey income properties: GREturnkey.com Americans Paid $4.5T Rent Last Decade: Zillow article Median Age Of Homebuyers Up To 47: HousingWire article Fannie Boosts 2020 Housing Forecast: CNBC article Lenders, Builders More Conservative: CNBC article Home Prices To Rise In 2020: Yahoo Finance article Homes Under $250K Near Extinction: HousingWire article Mortgage Loans: RidgeLendingGroup.com eQRP: Text “QRP” to 72000 or: TotalControlFinancial.com By texting “QRP” to 72000 and opting in, you will receive periodic marketing messages from eQRP Co. Message & data rates may apply. Reply “STOP” to cancel. JWB New Construction Turnkey: NewConstructionTurnkey.com Best Financial Education: GetRichEducation.com Find Properties: GREturnkey.com Follow us on Instagram: @getricheducation Welcome to Get Rich Education, I’m your host, Keith Weinhold. Mark Twain said,“Why not go out on a limb? That’s where the fruit is!” I tell you how YOU can go out on that limb to get that fruit - that prosperity in your life. And, and update on markets and housing here in the new decade. Today, on Get Rich Education. Welcome to Get Rich Education, I’m your host, Keith Weinhold. This is Episode 275 ... and you know something? It has always fascinated me that people will trade time for dollars. You have traded your time for dollars … and I have sold my time for money in the past, as well. Yeah, amazes me that people will work, often doing something that they don’t EVEN LIKE - and spend that time away from their family or for things that they don’t enjoy doing … just for money. It’s actually even worse than that. The long-term plan - the OUTCOME for this sacrifice - isn’t even satisfying. It’s for you to retire old, and THEN only begin to really live … maybe. Well, ironically, the answer to your potential freedom is something that you actually slept inside last night - a piece of real estate. But you need to invest in real estate in a strategic way. You don’t need to be a landlord and you don’t need to know how to fix things - but few know the way. Here on this show, I simply tell you the things that I would have wanted to know before I started down this road to freedom back in 2002, which is when I bought that seminal four-plex building. You are where you are today because of you. Your life isn’t a fluke and it isn’t an accident either. You are where you are because of your choices. Well, let me ask you - were you meant to be doing what you’re doing now? Were you put on this earth to do … that? You probably know definitively without me even having to get specific - you already know - yes or no - if you were MEANT to be doing what you do for money now. See, the #1 limiting reason that people give for why they can’t do something that they really want to do in their life … is … money. So, time vs. Money is something that we discuss a lot on the show. It’s something that’s infinitely interesting to me … and what you need to do is “Go Out On A Limb”. I’m going to discuss that with you a lot more later today. But first, since we’re a few weeks into this new decade, let’s talk about some more broad and contemporaneous news items - this investor environment that you live inside every day. Whipping around the asset classes like we do from here time-to-time here - in the year that was, last year, what really happened? S&P 500 was up nearly 29% - it’s best performance in years. Of course, it’s volatile. In fact, it was just DOWN 6% the previous year. Year-over-year, many commodities were up. Gold was up 18%, Silver up 15%. Oil - Light Sweet Crude - was up 22%. Recession fears peaked back in September - four months ago. Columnists and economists and everyday people don’t really talk about recession as much as they did late last year. Last year, the 10-year Treasury Note yield fell seven-tenths of one percent down to 1.9%. Now, why do you care about what you’ll hear people just shorten and call “the 10-Year T-Note?” Economists say it that way with their slang. That is because it’s the rate most closely tied to long-term mortgage interest rates. I just told you that the note yield fell SEVEN-TENTHS of one percent last year. Well, see, the most popular mortgage in America, the fell EIGHT-TENTHS of one percent last year down to 3.7%. That’s the 30-year loan. So, pretty closely correlated. And of course, that’s the mortgage interest rate for primary residences. For investment property, it’s often nearly one percent higher. Last year, the Freddie Mac House Price Index was up 3.6%. I like to look at the Freddie Mac Index because it includes pricing for all 50 states and Washington, D.C. The Case-Shiller Housing Price Index only measures 10 to 20 large cities. One news story that we experienced in the past year is one that almost no one talks about. Now, you generally want there to be higher wages out there. That means your tenants can afford to pay you more rent. Higher wages mean higher inflation which means higher asset prices and also, faster debasement of debt that you owe. Now, whether you agree that there should be a minimum wage or not ... The minimum wage keeps getting higher across the country. More than 20 states are bumping up pay for minimum wage workers this year, here in 2020, while Seattle’s large employers will now pay a nationwide-high of at least $16.39/hr to employees. Meanwhile, the FEDERAL minimum wage has remained parked at $7.25. But these higher state wages - are a positive for real estate investors. Now, I’ve aggregated a number of news stories that matter to you - all that have published over the past few weeks. Just about everything is positive for a stable housing environment. Zillow report an astonishing figure. Over the last decade, do you have any idea how much Americans paid in rent - in total? Americans paid $4.5 TRILLION - with a “T” - dollars in rent in the last decade - the decade that just ended a couple weeks ago - the 2010s. Well, that’s a gigantic number. It’s so giant, that it’s more of a fun figure to contemplate and hard to put it into context. What CAN you compare this to? Well, this is greater than the GDP of Germany - which is the world’s 4th-largest economy. Yes, it’s been a rather lucrative decade for landlords - partly due to the fact that the homeownership rate fell through the decade and - consequently - there are more renters now. So, yes, you only need a small slice of this $4.5T dollar pie to win a substantial degree of financial freedom yourself. Housing Wire has reported on what the median age of a homebuyer is in America today. Do you have any idea what that age is? Well, I’ll tell you, to give you some context here, that in 1981, the year that Ronald Reagan first became President, the median age of a homebuyer then was … 31. Age 31 back in 1981. The median age of a homebuyer today is … higher than that. Just dramatically higher. Almost unbelievably higher … it is age 47. 47! So … how did this happen? There are VARIOUS reasons for this delay, including a dramatic increase in student loan debt - like we’ve discussed before - and a general shifting of attitudes towards the traditional homebuyer cycle. People are waiting longer to marry, have kids, and buy houses. Household formation is postponed now. These are some things that you’ve already realized. But you may be surprised to learn that the RESULT of this is now a 47-year-old median age homebuyer. That’s like … old enough to be a grandparent perhaps. Just remarkable - and again, great news if you’re renting property to others. People are renting longer - or just renting forever. Now understand something else - and look, you can’t discriminate against a tenant based on age or for any other reason. But just think about what else this means - there’s a renter pool today with more, say, 35 and 40-year-olds in it than there used to be … … and therefore, a smaller proportion of 25-year-olds. You have this aging of tenants … and older tenants tend to live more quietly in your property and be more gentle on your housing unit. Long-term demographic trends exactly like these are why we talk about what we talk about here - how everyday, busy people and working professionals can create residual income with these investment properties. CoreLogic expects a 5.4% home price jump in 2020. Yes, this would be a greater appreciation rate than that 3.6% we saw last year. Fannie Mae has significantly boosted ITS 2020 housing forecast. Overall housing DEMAND, they say, is incredibly high, especially at the lower end of the market, which is exactly the end of the market where builders are least active. Prices are rising fastest on the low end, sidelining some first-time buyers. Fannie Mae’s Chief Economist Doug Duncan says: “Housing appears poised to take a leading role in real GDP growth over the forecast horizon for the first time in years, further bolstering our modest-but-solid growth forecasts through 2021.” Now, CNBC recently reported that: U.S. homebuilders and lenders are to blame for the country’s housing shortage, Marcus & Millichap CEO Hessam Nadji said. Home construction companies have reduced speculation and lowered risk-taking in an effort to prevent “the lessons — if you will, the hard lessons — learned in the 2008-2009 Housing Crisis & Great Recession - from happening again,” is what he said. “All of that is frustrating from a consumer perspective, but it’s actually very healthy from an investment and economic perspective for the U.S. as a whole,” he said. Yahoo Finance - really all these news outlets are reporting various sources that home prices are expected to rise modestly and that housing shortages are expected to continue. Rather than reporting on another similar story about this … I’ve been saying for years on this show that if you’re waiting for housing prices to drop substantially … well, anything is possible. But I don’t see what could possibly make that happen. And that’s primarily due to three or four reasons that housing stays firm: The #1 reason - the chief one is that housing demand exceeds supply. That’s just basic economics. And the housing crash of … now 13 years ago ... was due to the opposite condition. Back then, there was overbuilding - back then supply exceeded demand. The second of three reasons is that appreciation rates ARE sustainable: Less than 4% per annum lately. Leading up to the housing crash, they were TEN TIMES that in some markets - totally unsustainable. The third reason that supports housing is that lending practices are responsible. To get a loan, you DO need to supply a somewhat-annoyingly high amount of documentation. You need to have income, reserves, and some decent credit. That didn’t happen in the Great Recession buildup either - ANYONE qualified - and then that ARTIFICIAL demand helped push up home prices unsustainably. Really a fourth reason - or a bonus - is that once you adjust for inflation - which so many people and even reporting outlets forget to do - many housing markets still haven’t even reached their pre-recession peak from way back in 2005. So, these 4 reasons to be bullish about housing are all MY takes. Links to all of the articles that I cited are in the show notes. Next week, Tom Wheelwright returns to the show with me. Yes, it’s the long-awaited show where it’ll be Weinhold and Wheelwright on 401(k)s and going deep on how you can obtain the desired “RE Professional Designation” and the GREAT tax advantages that that gives you. Are 401(k)s worth contributing to - even if you get an employer match? We’ll take that one head-on next week. And I think you’re going to get some really surprising answers. During the holidays a while back, we had all FRESH shows. San Diego-based Get Rich Education listener Andrew Stanton - and his layoff story reminded us of the importance of having multiple income streams. Should you - as they say “Rent out your backyard” with an ADU - accessory or auxiliary dwelling unit. Well, in places like California where they’re popular ... Why don’t you instead enjoy your backyard and invest in markets in the Midwest & South where the numbers make better sense anyway. Two weeks ago, CFP Brent Sutherland & I discussed why conventional financial advisors don’t discuss RE with you. Last week, we had the “hands-on” perspective with Kevin Cross, asking, “Should you self-manage your rental property and your tenants?” For him, the answer is “yes” - with some help - and that’s fine. For me, the answer is “no”. I want control without having day-to-day responsibility. Let’s do good in the world and provide people with clean, safe, affordable, functional housing. But I make sure my manager does that. I want to directly invest in real estate, with property titled in my own name - that way I get paid up to 5 different ways. But, I don’t want it - I’ll say in my grip - as in - I don’t want to hold real estate right in my hand - otherwise it’s on my plate & on the front burner. But I do want it within my arm’s reach so that I have CONTROL, and yet a FAIR measure of passivity. If you want more out of your life, you’ve got to go out on a limb. I’m going to talk about that with you today … next … I’m Keith Weinhold. This is Get Rich Education. ________________________ Welcome back to Get Rich Education. I’m your host, Keith Weinhold. When it comes to your day job ... or how you spend most of your waking day, were you meant to be doing what you’re doing now? I think that a lot of people get culturally conditioned that you have one path that you just MUST take throughout life, and if you deviate from it too much, that’s bad … because now you’re a non-conformer. Yes, one path. This narrative through the Industrial Revolution that you should go to school, get this amount of formal education, this amount of college debt, a good job, work for one company, marriage, kids, buy a big house … … get a new car every 5 years, just 2 or 3 weeks of vacation per year (my goodness - are you kidding me?), work for 40 years, then retire & play golf … or something like that. That’s what’s supposed to quote-unquote “guarantee” the masses happiness, fulfillment, and meaning. But it often doesn’t. So why settle for what the masses do? People are willing to trade away their authenticity for approval. Rather than being authentic, they instead settle for society’s stamp of approval. Don’t trade away your authenticity for approval. Parents, community, friends - they all taught you - here’s the one way you have to live. Why don’t you, instead, custom design your best life. What does success look like to you? Is success being a doctor, lawyer, dentist. If you drive “this” nice of a car, or if you live in this neighborhood, or this nice of a house, if your kids go to this school. Instead, your definition of success may very well be - are you doing the things that you dreamed about? Are you impacting others in a meaningful way? You can either live a life of safety or a life of creativity. Go out on a limb - where that tree branch might yield a little, 30 feet above the ground, scaring you. Go out on a limb … because that’s where the fruit is. Understand that the consequence might be that fewer people will PERCEIVE you as a success. How you make your money is more important than how much money you make. We’re “Get Rich Education - and “Get Rich” means living a rich life - whatever that means to you. When you’re young & people ask you “What do you want to be?” when you grow up, they’re not REALLY asking what you want to be at all. They’re asking, “What do you want to do professionally, to earn money?” It feels risky to say what you REALLY want to be. It feels risky to use an online platform to try to crowdfund your kitchen device invention. You’re afraid you’ll be seen as a failure when you share that on Facebook and get ridiculed from your friends. That’s going out on a limb. Trying to get your workout app featured on Shark Tank - that’s not being a conformer. But that’s where the great stuff happens. Or, it’s doing what we focus on here - getting residual income from rental property to buy the time to do what you want to do ... or be who you really want to be. It’s more generationally-proven than those strict entrepreneurial endeavors. It’s neither quick nor easy, but real estate is a stronger tree branch - and your fruit IS out there. If you get 40 rental doors that even cash flow just $150 a month each = That’s $6,000 month in rental income for you. Or double that or 10X that if you need to. Most people live inside circle of certainty with their job and life. And in that small circle, we’ll call it 100% safety & security. Now, if you enlarge your circle so that it surrounds the first one, you might be living where you only have 80% certainty in your life’s outcome. If you make an even larger circle, around the first two, and really go for it, now your sense of certainly might be down to 60%. But the one thing that you CAN be certain of then, it’s that you won’t have any regrets. The #1 regret of elderly people that are in a nursing home is that “Gosh, I never tried _____”. They didn’t go out on that limb and they never tasted that sweet, succulent fruit. I can help tell you whether you’re going out on a limb or not, right now. Do you know what the most powerful assignment is - with regard to this - it’s to write your own obituary. Put pen to paper. If you must write your own obituary, right now … you’re going to have great clarity on if your accomplishments are or your contributions … or your current trajectory … are putting you where you need to be. I think writing your own obituary can strike some fear into you. It puts some fear into me. What would people say about what you did? What would you write down about yourself? In over 6000 years of recorded human history, no one has ever achieved anything outstanding by playing it safe. No one. The message is clear. You need to either accept the necessity for calculated risk, or settle for way, way less than you deserve. Look, I’ve got this friend from childhood from when I lived back in Pennsylvania. Nice guy, nice family. He became a public school teacher - math teacher. And today, I see his posts on Facebook more often than I see him. One of the things that he commonly posts about are that he complains about how public school teachers aren’t treated well because he has disappointingly low pay. And I see a lot of his teacher friends commenting on his posts, lamenting about the fact that they have low incomes, and have to take second jobs in the summer or whatever. Well, after seeing a lot of these posts, I commented with an actual SOLUTION to the problem one time. My comment was something like - and here’s what I wrote: “Many teachers that I know make $500K to $1M per year and they have great control of their time.” That’s what I wrote. You should have seen their reaction. My friend and the other teachers on that thread were asking me how this could be - some of them even direct messaging me. And I said, these well-paid teachers are online teachers. Yeah, they wake up each morning and see how many video course subscriptions they sold overnight. You should have seen their reaction to that - they were quickly uninterested. That sounded scary. That didn’t meet conformity. Now, I’ve got nothing against public school teachers. In fact, I appreciate what they do. But you can see how much fear there is … with going out on a limb. See, when you try to provide a SOLUTION to people’s problems, they’d usually rather stay small, stay secure, and keep settling - staying inside that 100% certainty smaller life circle. Do you think that a public school teacher would agree that their 12-year-old student should be a lifelong learner? Yeah, they probably would. But is that public school teacher being a lifelong learner themselves if they won’t provide a better life for themself by learning some new online teaching and internet marketing skills? Everyone wants change. But no one wants TO change. This is not about condemning people for being employees. It’s about removing that wall between you and what you want. Because look, you might be a highly compensated employee that WANTS to teach public school math or English to 12-year-olds. But you can’t afford to make the, say $55,000 a year that a teacher makes. Building a second income with something proven like real estate softens that financial blow, and it lubricates that transition to doing what energizes you - teaching English to 12-year-olds. This way, you’re a teacher, but you’re not dissatisfied that your salary is low - because teaching isn’t where you started - and now you’re probably more valuable to 12-year-old students because you are where you really want to be. The riskiest thing you can possibly do is stay safe and take zero risks because then, you virtually guarantee that you’ll never get the life that you could have had. Residual income gives you the ability to leverage time - and also provide some physical possessions. I don’t think there’s anything wrong with some materials stuff. Even if physical stuff isn’t what life is about, it can help you facilitate your best life. Even a simple hiker would like a nice, comfortable backpack, tent, and a sleeping bag. Some people say they want to “live frugally” but, they only say that because they’ve been conditioned and they don’t know HOW to live better. When people say, “I want to live frugally”, often, what they really want to say is: “I’d like to live well”. Like I’ve said elsewhere, the great conundrum of modern society is that … … people spend all this time learning about how work works … and zero time learning about how money works. Yet money is the main reason that they even go to work. Hmm. Can you believe that. Even if you’re one of the fortunate few that doesn’t want a substantial life change, adding a monthly stream of real estate income on top of your current situation sure won’t hurt you. Investing in real estate myself - ihelped ease my transition from a day job - to doing things like this show - creating value for people in the way that I want to do it. I invest in - especially this WORKFORCE type of housing - myself. Earlier today, I talked about some of the economic and demographic “whys” about these modest but decent rental single-family rental homes and small apartment buildings that we so often favor here. As the American family size continues to shrink and birth rates fall, people want smaller SFHs. Think about how people live. Smaller family sizes are a trend away from McMansions. Millennials and Gen Zers are also environmentally conscious. That’s the future, where there’s been this spurning of extravagance. That’s why these low-cost rental single-family homes are in such demand. In fact, a recent report by economic research consultancy Capital Economics shared a stunning statistic: The number of vacant single-family homes … for sale … priced under $250,000 has halved since 2012. Yes, there are only half as many available now as then. In fact, according to the report, there are only 550,000 vacant homes on the market priced under $250,000. That’s half as many as there were just eight years ago. That’s astounding. When there’s a downturn, people will move from the $2K-$3K rent homes into yours where they pay $1,000-$1,500. In fact, I just bought two more of these single-family rental homes last month myself. One was $150K and the other about $130K. And I bought them from GREturnkey. And you know, if you’re on the edge with your next move, and you don’t know if you should invest in a property or more education … and you’re trying to decide between the two ... As long as you’ve got a little education, I’d err toward you putting another “property” in your portfolio - or your first property. Why is that? That’s because when you buy a property, you get a substantial education about it from the inside. Buying and owning is the REAL world education that any classroom simulation can’t replicate. Owning property gives you education … … but more education alone doesn’t give you more property. So here, we both teach a man - or woman - to fish AND give you a fish. We do both. GREturnkey.com is where I’ve done my own property buying for years - including where I purchased these most recent two. Go there, read a couple reports in some markets that interest you, and get some property under contract. Over there, right now, I can tell you that: In Alabama - Birmingham and Huntsville has been furnishing income property pretty actively. In Ohio, Dayton has been bringing inventory to the market that exceeds a 1% rent-to-value ratio, meaning that you get more rent income per invested dollar there than nearly anywhere else. Further south, Memphis and Little Rock have similar profitability to Dayton - and there are some really low price points in Memphis if you’re just looking to get started. Then, Jacksonville has brand NEW construction turnkey property and actually have investor houses available now. Lower cash flow there but brand new. Then, in Tampa, Florida, you can get a little cash flow and the Tampa-St. Pete metro was the 2nd-highest appreciation market in the nation at 5%. Yes, year-over-year, Tampa was 2nd … and you can get cash flow in the submarkets north of there. Tampa has been furnishing, oh, maybe 4 or 5 turnkey properties onto the market each month. And, see, as noted, inventory is tight nearly everywhere. In Tampa, you’re looking at something like $1,200 of rent income for a $150,000 property. At GREturnkey, Chicagoland has an interesting dynamic. Where you’re investing in Chicago’s suburbs of northwestern Indiana. That way, you get the proximity and economic diversification of a world-class city like Chicago, yet being on the Indiana-side of the state line gives you property taxes that are less than half of that than if you were on the Illinois-side. Everything I’m discussing here is designed for OUT-of-the-area investors … like me and probably like you too. It’s turnkey … meaning that the property is fully renovated, under a property manager’s management, and often even occupied with a tenant on the day that you buy… … so that you’re enjoying that mailbox money … or ACH bank draft money as it might be. You can find all those providers and more at GREturnkey.com A big thanks to, well Mark Twain for some inspiration today. “Why not go out on a limb? That’s where the fruit is.” I’m back next week with Tom Wheelwright. Until next week, get started at GREturnkey.com I’m your host, Keith Weinhold. Don’t Quit Your Daydream!
Get 15 - 30% more rent income for your existing property. Learn how to attract a better “Class B” tenant to a lesser “Class C” property. We’re getting “hands-on” today. Kevin Cross tells us about this and how to buy a bargain property (hint: find poorly-managed property). Small tweaks make a big difference in your property’s rent income: clean grounds, orderly common areas. Add amenities inside units yourself like: Wi-fi, TVs, curtains, artwork. Your success is highly tied to tenant quality. Learn how to talk to a tenant engaged in illegal activity. A house cleaner can put eyes on your property. To learn about Virtual Property Pro owner assistance service, e-mail Kevin at: kevin@alaskarex.com This is an intermediate step if you’re not ready for pro mgmt. Often eliminate: garage door openers, garbage disposals, 2-bay sinks. Incorporate your hobby into your rentals; now your hobby is profitable. Though I personally use professional management, self-management fits our guest’s lifestyle. __________________ Resources mentioned: Kevin Cross contact: Email: kevin@alaskarex.com Mortgage Loans: RidgeLendingGroup.com eQRP: Text “QRP” to 72000 or: TotalControlFinancial.com By texting “QRP” to 72000 and opting in, you will receive periodic marketing messages from eQRP Co. Message & data rates may apply. Reply “STOP” to cancel. JWB New Construction Turnkey: NewConstructionTurnkey.com Best Financial Education: GetRichEducation.com Find Properties: GREturnkey.com Follow us on Instagram: @getricheducation
Kevin shares some inexpensive things that he does with his rentals to get higer rent. He also shares what he did to tenant proof his rentals to reduce his maintenance and turnover costs, and some of the ways that he has outsourced the management of his rentals without hiring a property manager.
This week on the Kickstarter series, Derek talks with Mike Emeritz and Marshall Couture about their current campaign, Life in Space: A Comic Book Anthology. Over the course of their conversation, Mike and Marshall reveal the genesis of this project, how they gathered a variety of creators together, and the process of decided on a particular anthology theme. This project is coordinated by Mike Emeritz, Marshall Lee, and Chris McQuinlan, with Emeritz designing and editing the book. Kevin Cross provides the cover art, and contributors include: Jerry Gonzalez Carrie Schurman Holly Brown Mike Emeritz Casey Roberson Marshall Lee Chris McQuinlan Noah 'Ox' Baas Dalibor Zujovic J. Allen Ratz Yannemal Patrick Brown Adam Lore Gazbot Scott Serkland Karyn Lewis Bonfiglio Lenwood Brown III Sasha Fitzgerald Johannes Vick Don't miss out on this Kickstarter. Check it out to learn more about Life in Space! Sample Art
#115: Obtaining your RE license isn’t that difficult in many states. Would this help you land deals for income property? Yes, and there are tons of other benefits...and drawbacks. Kevin Cross of Foundations Real Estate Experts is a savvy real estate investor, licensee, and former President of the Anchorage Association of Realtors. He tells us the advantages and disadvantages of getting your RE license. Want more wealth? Visit GetRichEducation.com and 1) Subscribe to our free newsletter, and 2) Find turnkey real estate investing opportunities. Listen to this week’s show and learn: 02:06 Keith likes BombBomb.com video-e-mail service and the Blinkist.com condensed reading app. 08:11 How can getting your RE license help you get into the deal flow? 12:20 Saving yourself the agent commission - and using that as a down payment. 15:06 The benefits you realize as an agent when you build a network of home inspectors, HVAC companies, roofers, etc. 18:27 When you sell property, act as your own agent. Referral fees. 24:59 Licensing requirements - educational hours, exam, licensing fees. Often $3,000 - $5,000 out-of-pocket to start. 26:55 Difficult to be a “part-time” agent. 28:48 You don’t get paid for 90 days. 31:16 Fiduciary responsibility and disclosure. 36:42 90% of sales are made by 10% of agents. 37:11 Do you split your commission with your broker? Must you have an office there? 41:06 After marketing fees and dues, agents earn about 1.5% per transaction. Resources Mentioned: GetRichEducation.com NoradaRealEstate.com TheRealAssetInvestor.com/GRE RidgeLendingGroup.com AlaskaREX.com BombBomb.com Blinkist.com
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