Mexican artistic gymnast
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Hosted by laura moreno
Hosted by laura moreno
3 episodes with laura moreno
2 episodes with laura moreno
2 episodes with laura moreno
2 episodes with laura moreno
2 episodes with laura moreno
5 episodes with laura moreno
2 episodes with laura moreno
El resumen de las noticias de hoy, con Laura Moreno.
El resumen de las noticias de hoy, con Laura Moreno
El resumen de las noticias de hoy, con Laura Moreno
El resumen de las noticias de hoy, con Laura Moreno
El resumen de las noticias de hoy, con Laura Moreno.
El resumen de las noticias de hoy, con Laura Moreno.
How Did We Miss That? by IndependentLeft.news / Leftists.today / IndependentLeft.media
Stories:* ⭐ Israel's US Influence Operations: Targeting Media Outlets, Merging w/ Military, Targeting Candidates* ⭐ Israel's Global Influence Operations: War Crimes in Lebanon, Targeting Cyprus, Vietnam, UK* ⭐ Eyes on Gaza: Nothing Started in 2023, 70% Control, Rebuild to Cost 7X More, New Campaign* ⭐ Consequences of Supporting the Duopoly: Free Speech, ICE, Dark Money, SpaceX SCAMFor the links to all the articles & videos shown on the show plus the links to watch/share on every other platform, click here: https://www.indiemediatoday.com/p/indie-news-now-live-links-07-28-26?r=539iuHelp fund the media you want to see! Indie Media Today and Indie News Network operate on a “Value for Value system.” Everything we do is free to all. We don't paywall our content, but we do need - and deeply appreciate - your support in order to keep running. One way to do that is with a monthly or annual subscription here.A $5/mo subscription here or on Ko-Fi.com helps us continue to produce quality content that challenges mainstream corporate funded narratives & amplify independent voices.Please support your favorite Indie Media creators!IndieNewsNow LIVE! covers stories corporate media doesn't want to tell, and from an angle they would NEVER tell it. Each episode, we showcase the work of dedicated independent reporters, researchers, and grassroots news outlets who are digging deeper on issues that matter, free from advertiser and corporate influence. Break free from the media focused on the duopoly and discover the news you're not supposed to see.Perfect for viewers who:* Are skeptical of corporate-controlled news narratives* Want to be more deeply informed on critical issues* Believe in supporting independent journalism* Feel like there's always more to the storySubscribe to IndieNews Network (INN) and hit the bell
El resumen de las noticias de hoy, con Laura Moreno.
El resumen de las noticias de hoy, con Laura Moreno.
El resumen de las noticias de hoy, con Laura Moreno.
El resumen de las noticias de hoy, con Laura Moreno.
Las noticias del día, por Laura Moreno
Las noticias del día, por Laura Moreno
Las noticias del día, por Laura Moreno
Las noticias del día, por Laura Moreno
Las noticias del día, por Laura Moreno
Las noticias del día, por Laura Moreno
How Did We Miss That? by IndependentLeft.news / Leftists.today / IndependentLeft.media
Stories:* ⭐ 1000 Days of Genocide, IDF War Crimes Database, Dr Hussam Abu Safiya “Close to Death”* ⭐ X's Head of Product EXPOSED Over Criticism of Whitney Webb Polymarket Article* ⭐ What Got Nikita Bier So Upset? Indie Reads the Unlimited Hangout Article About Polymarket* ⭐ Reporter Targeted by Fred Hutch, EU Bans Sharing RT Clips, UK Pushing State Media on YouTubeFor the links to all the articles & videos shown on the show plus the links to watch/share on every other platform, click here: https://www.indiemediatoday.com/p/indie-news-now-live-links-07-07-26?r=539iuHelp fund the media you want to see! Indie Media Today and Indie News Network operate on a “Value for Value system.” Everything we do is free to all. We don't paywall our content, but we do need - and deeply appreciate - your support in order to keep running. One way to do that is with a monthly or annual subscription here.A $5/mo subscription here or on Ko-Fi.com helps us continue to produce quality content that challenges mainstream corporate funded narratives & amplify independent voices.Please support your favorite Indie Media creators! IndieNewsNow LIVE! covers stories corporate media doesn't want to tell, and from an angle they would NEVER tell it. Each episode, we showcase the work of dedicated independent reporters, researchers, and grassroots news outlets who are digging deeper on issues that matter, free from advertiser and corporate influence. Break free from the media focused on the duopoly and discover the news you're not supposed to see.Perfect for viewers who:* Are skeptical of corporate-controlled news narratives* Want to be more deeply informed on critical issues* Believe in supporting independent journalism* Feel like there's always more to the storySubscribe to IndieNews Network (INN) and hit the bell
How Did We Miss That? by IndependentLeft.news / Leftists.today / IndependentLeft.media
Stories:* ⭐ Why I'm BOYCOTTING the World Cup, West Bank Settlements, Gaza Horrors, Israel Kills ANOTHER 3 Year Old* ⭐ US Government Setting Up to Justify State Violence in the Future Over AI Unrest* ⭐ UK Continues to Serve as Enabler and Defender of Genocide and Ethnic Cleansing* ⭐ Ending Corporate Influence? Control Your News Feed! CJ Hopkins Sentencing, Bari Weiss Fails UpwardsFor the links to all the articles & videos shown on the show plus the links to watch/share on every other platform, click here: https://www.indiemediatoday.com/p/indie-news-now-live-links-06-16-26?r=539iuHelp fund the media you want to see! Indie Media Today and Indie News Network operate on a “Value for Value system.” Everything we do is free to all. We don't paywall our content, but we do need - and deeply appreciate - your support in order to keep running. One way to do that is with a monthly or annual subscription here.A $5/mo subscription here or on Ko-Fi.com helps us continue to produce quality content that challenges mainstream corporate funded narratives & amplify independent voices.Please support your favorite Indie Media creators! IndieNewsNow LIVE! covers stories corporate media doesn't want to tell, and from an angle they would NEVER tell it. Each episode, we showcase the work of dedicated independent reporters, researchers, and grassroots news outlets who are digging deeper on issues that matter, free from advertiser and corporate influence. Break free from the media focused on the duopoly and discover the news you're not supposed to see.Perfect for viewers who:* Are skeptical of corporate-controlled news narratives* Want to be more deeply informed on critical issues* Believe in supporting independent journalism* Feel like there's always more to the storySubscribe to IndieNews Network (INN) and hit the bell
How Did We Miss That? by IndependentLeft.news / Leftists.today / IndependentLeft.media
Stories:* ⭐ 7 Month Old EXECUTED, Gaza Deliberately Starved, Lebanon Ceasefire REJECTED, Hussam Abu Safiya Update* ⭐ ICE Turned Part of Newark, NJ Into a War Zone* ⭐ Trump's Duke Energy Trades, Ukraine TERRORIZES Donbass, Pacific EXECUTIONS, Ryan Knight RESURFACES!* ⭐ Rubio's Plan to Turn Cuba into Gaza WestFor the links to all the articles & videos shown on the show plus the links to watch/share on every other platform, click here: https://www.indiemediatoday.com/p/indie-news-now-live-links-06-09-26?r=539iuHelp fund the media you want to see! Indie Media Today and Indie News Network operate on a “Value for Value system.” Everything we do is free to all. We don't paywall our content, but we do need - and deeply appreciate - your support in order to keep running. One way to do that is with a monthly or annual subscription here.A $5/mo subscription here or on Ko-Fi.com helps us continue to produce quality content that challenges mainstream corporate funded narratives & amplify independent voices.Please support your favorite Indie Media creators! IndieNewsNow LIVE! covers stories corporate media doesn't want to tell, and from an angle they would NEVER tell it. Each episode, we showcase the work of dedicated independent reporters, researchers, and grassroots news outlets who are digging deeper on issues that matter, free from advertiser and corporate influence. Break free from the media focused on the duopoly and discover the news you're not supposed to see.Perfect for viewers who:* Are skeptical of corporate-controlled news narratives* Want to be more deeply informed on critical issues* Believe in supporting independent journalism* Feel like there's always more to the storySubscribe to IndieNews Network (INN) and hit the bell
Laura Moreno es Vicepresidenta de Relaciones Corporativas, Sostenibilidad y Mercadeo de BAC, una de las instituciones financieras más importantes de Centroamérica, con más de 21.000 colaboradores y presencia en toda la región.En este episodio, Laura conversa con la profesora Andrea Prado sobre cómo el BAC diseña y ejecuta una estrategia de voluntariado corporativo capaz de movilizar liderazgo, conocimiento y acción colectiva a gran escala. Además, reflexionan sobre los retos, inversiones y aprendizajes que implica convertir el voluntariado en una herramienta estratégica para generar valor tanto para las comunidades como para la organización.El podcast Gerente de Impacto es dirigido por la Prof. Andrea Prado y producido por la Cátedra Strachan de INCAE Business School
El abogado Jaime Granados Peña analiza el fallo absolutorio en el caso Colmenares, donde Laura Moreno y Jesse Quintero fueron declarados inocentes tras 15 años de proceso judicial. La Corte Suprema ratificó de manera unánime su absolución, destacando la responsabilidad de la fiscalía por errores graves en la investigación que afectaron la vida de los acusados. Granados resalta la resiliencia de Moreno y Quintero, quienes reconstruyeron sus vidas fuera del país y en Colombia. Este caso evidencia la importancia de una justicia justa y la necesidad de evitar prácticas fiscales que perjudiquen a inocentes. Una reflexión sobre la verdad, la justicia y el respeto a las víctimas reales.
En esta emisión del 16 de abril de 2026, el informativo aborda la llegada de Daniel Quintero como nuevo superintendente de Salud, en medio de una profunda crisis del sistema sanitario colombiano, con múltiples EPS intervenidas y millones de usuarios afectados. El nuevo funcionario promete combatir la corrupción, implementar tecnología y garantizar el acceso real a la salud en el país.También incluye la decisión de la Corte Constitucional de tumbar el decreto que imponía un IVA del 19% a los licores, ordenando la devolución de los recursos recaudados, así como la ratificación de la Corte Suprema de Justicia que absuelve a Laura Moreno en el caso Colmenares. Además, se reporta la salida de Vanessa Gallego de la Fiduprevisora y el presunto desvío de millonarios recursos en la EPS Coosalud.En el ámbito político y social, el informativo aborda la crisis hospitalaria en Manizales por deudas de la Nueva EPS, la reapertura de servicios médicos en Girardot y la decisión del Gobierno de no adquirir Monómeros pese al alza en los precios de fertilizantes. También se destacan emergencias por fuertes lluvias en varias regiones del país, afectaciones por vendavales y la suspensión del servicio de recolección de basuras en Popayán tras un atentado.El noticiero también cubre temas de infraestructura y movilidad, incluyendo cierres en el viaducto César Gaviria Trujillo, así como impactos regionales por la temporada invernal en departamentos como Norte de Santander y Magdalena. Esta emisión ofrece un panorama completo de la actualidad en Colombia, con énfasis en salud, justicia, economía y emergencias climáticas, temas clave para la agenda nacional y el interés ciudadano.
How Did We Miss That? by IndependentLeft.news / Leftists.today / IndependentLeft.media
Stories:* ⭐ False Flag Season, Q1 ‘26* ⭐ Epstein's Last Girlfriend* ⭐ Israel Is Pushing Ahead Everywhere, All At Once: Iran, Lebanon, Gaza, Europe, The West Bank* ⭐ ICE Still Sucks, 1 YEAR Detained, $39/Day for Clean Water, Whitney Webb ReturnsFor the links to all the articles & videos shown on the show plus the links to watch/share on every other platform, click here: https://www.indiemediatoday.com/p/indie-news-now-live-links-03-17-26?r=539iu Help fund the media you want to see! Indie Media Today and Indie News Network operate on a “Value for Value system.” Everything we do is free to all. We don't paywall our content, but we do need - and deeply appreciate - your support in order to keep running. One way to do that is with a monthly or annual subscription here.A $5/mo subscription here or on Ko-Fi.com helps us continue to produce quality content that challenges mainstream corporate funded narratives & amplify independent voices.Please support your favorite Indie Media creators! IndieNewsNow LIVE! covers stories corporate media doesn't want to tell, and from an angle they would NEVER tell it. Each episode, we showcase the work of dedicated independent reporters, researchers, and grassroots news outlets who are digging deeper on issues that matter, free from advertiser and corporate influence. Break free from the media focused on the duopoly and discover the news you're not supposed to see.Perfect for viewers who:* Are skeptical of corporate-controlled news narratives* Want to be more deeply informed on critical issues* Believe in supporting independent journalism* Feel like there's always more to the storySubscribe to IndieNews Network (INN) and hit the bell
El último día de febrero es el Día Mundial de las Enfermedades Raras: un día raro para hablar de algo no tan raro: estas casi 7000 enfermedades que afectan a 300 millones de pacientes en el mundo, tres de ellos en España. La mayoría no tienen cura y solo un 5% cuenta tratamiento, por eso, LA INVESTIGACIÓN es la principal esperanza y las asociaciones son vitales. Un documental sonoro de Irene Valiente en el que hablamos con pacientes, familias, asociaciones e investigadoras: conocemos a Vicky Bendito, periodista y activista por los derechos de las personas con discapacidad y enfermedades raras; Daniel de Vicente, miembro de la junta directiva de la Federación Española de Enfermedades Raras y presidente de la Asociación ASMD; a Laura Moreno, madre de Aaron y Nerea, dos adolescentes con una enfermedad genética, rara y neurodegenerativa, a Álvaro Gómez, y su sobrino Guille, ambos afectados por la enfermedad de Charcot Marie-Tooth y Victoria Ropero, madre de Leo, diagnosticado con el Síndrome de Leigh. Y hablamos con los investigadores Lluis Montoliu, del Centro Nacional de Biotecnología del CSIC y la neuróloga Elena Muiño. Más información aquí: https://www.eldiario.es/132_c6acad Haz posible Carne Cruda: http://bit.ly/ProduceCC
How Did We Miss That? by IndependentLeft.news / Leftists.today / IndependentLeft.media
Stories:* ⭐ MORE Israeli Abuses- Ms. Rachel's Humanity, Gaza Death Toll, AIPAC $, Lebanon Bombed, Rafah Crossing* ⭐ Epstein Files- The Elephant Distraction in the Room, He Was a Mossad Agent, Nothing Will Be Done* ⭐ ICE Agents Continue to Abuse People, Thiel Above the Law, Private Prison Exec Donations to Congress* ⭐ Super PAC Spending Records, Who Owns Online News, Astroturfed BotNet FarmsFor the links to all the articles & videos shown on the show plus the links to watch/share on every other platform, click here: https://www.indiemediatoday.com/p/indie-news-now-live-02-10-26-linksHelp fund the media you want to see! Indie Media Today and Indie News Network operate on a “Value for Value system.” Everything we do is free to all. We don't paywall our content, but we do need - and deeply appreciate - your support in order to keep running. One way to do that is with a monthly or annual subscription here.A $5/mo subscription here or on Ko-Fi.com helps us continue to produce quality content that challenges mainstream corporate funded narratives & amplify independent voices.Please support your favorite Indie Media creators! IndieNewsNow LIVE! covers stories corporate media doesn't want to tell, and from an angle they would NEVER tell it. Each episode, we showcase the work of dedicated independent reporters, researchers, and grassroots news outlets who are digging deeper on issues that matter, free from advertiser and corporate influence. Break free from the media focused on the duopoly and discover the news you're not supposed to see.Perfect for viewers who:* Are skeptical of corporate-controlled news narratives* Want to be more deeply informed on critical issues* Believe in supporting independent journalism* Feel like there's always more to the storySubscribe to IndieNews Network (INN) and hit the bell
How Did We Miss That? by IndependentLeft.news / Leftists.today / IndependentLeft.media
Stories:* ⭐ Venezuela: Another US Act of War - Airspace Illegally Closed By Trump Admin* ⭐ Honduras: US-Friendly Puppet Wins Election - How Convenient!* ⭐ IDF Executions, Google's Cover-Up, More Apartheid, Societal Infiltration - Fuck Israel!* ⭐ AI's Water Problem, British Special Forces Afghan War Crimes, TN Pulls LGBTQ Library Book* ⭐ #GivingTuesday - GoFundMes for our friends who need help - Chanda Masta, Nataliya Vlchekova, Aspen MartinFor the links to all the articles & videos shown on the show plus the links to watch/share on every other platform, click here: https://www.indiemediatoday.com/p/indie-news-now-live-12-02-25-links?r=539iu Help fund the media you want to see! Indie Media Today and Indie News Network operate on a “Value for Value system.” Everything we do is free to all. We don't paywall our content, but we do need - and deeply appreciate - your support in order to keep running. One way to do that is with a monthly or annual subscription here.A $5/mo subscription here or on Ko-Fi.com helps us continue to produce quality content that challenges mainstream corporate funded narratives & amplify independent voices.Please support your favorite Indie Media creators! IndieNewsNow LIVE! covers stories corporate media doesn't want to tell, and from an angle they would NEVER tell it. Each episode, we showcase the work of dedicated independent reporters, researchers, and grassroots news outlets who are digging deeper on issues that matter, free from advertiser and corporate influence. Break free from the media focused on the duopoly and discover the news you're not supposed to see.Perfect for viewers who:* Are skeptical of corporate-controlled news narratives* Want to be more deeply informed on critical issues* Believe in supporting independent journalism* Feel like there's always more to the storySubscribe to IndieNews Network (INN) and hit the bell
MEININGER Hotels: Digitalisierung im HR ist ein großer Wachstumshebel – mehr Effizienz, mehr Zeit, weniger manueller Aufwand. Laura Moreno, VP People von MEININGER Hotels verrät uns in dieser Folge, wie sie und ihr Team Workday implementiert hat, was ihre Learnings daraus sind und wie HR mit Digitalisierung einen echten Business Mehrwert schaffen kann. Werbepartner der Folge: beyobie Datenchaos im HR-Team? beyobie bringt Klarheit. Wenn es einen Frust hinter Datenanalysen im HR gibt, dann ist es dieser: zu viel Aufwand, zu wenig Aussagekraft. Mit beyobie verbindet ihr ganz einfach eure HR-Systeme und verwandelt eure HR-Daten im Handumdrehen in starke Argumente fürs Management – ganz ohne Excel-Marathon.
Parliamo di DIABETE e SPORT con GIULIO FRONTINO, endocrinologo e diabetologo, e LAURA MORENO, creator e advocate per il diabete di tipo 1.Molte persone con diabete si chiedono: posso fare sport? Devo limitarmi? Oppure devo evitare del tutto? In questo episodio torniamo a parlare di un tema fondamentale, per chiarire dubbi e fornire informazioni pratiche.Scopriremo insieme a loro:- Se lo sport è sicuro per chi ha il diabete e quali precauzioni prendere- I benefici dell'attività fisica nella gestione della malattia- La storia di Laura Moreno: vivere e fare sport con diabete di tipo 1- Quali sport sono consigliati e come personalizzare l'allenamento- Tecnologie e dispositivi utili per allenarsi in sicurezza- Il concetto di “organizzazione” come chiave per conciliare sport e diabeteUn episodio pensato per chi vuole capire come allenarsi in modo sicuro ed efficace, anche con una condizione cronica, sfruttando lo sport come vera e propria medicina.Buon ascolto!---Sapevi che Serenis ha creato un Percorso Nutrizione online per accompagnarti verso un rapporto più sereno e consapevole con il cibo?Rispondendo a un breve questionario sul sito verrai abbinato al nutrizionista più adatto alle tue esigenze per ricevere un percorso personalizzato in base ai tuoi obiettivi: dal rapporto con il cibo all'alimentazione sportiva, dalla gestione di intolleranze e allergie fino alla creazione di un piano alimentare equilibrato.Il colloquio conoscitivo è sempre gratuito e noi di PDP ti offriamo una convenzione da paura per la tua prima seduta: 69€ invece di 77€! È un'agevolazione speciale pensata per chi non ha mai provato il servizio e vuole fare un primo passo verso un percorso di salute, fisica e mentale. Scopri la nostra offerta e il Percorso Nutrizione di Serenis a questo link: https://www.serenis.it/influencer/sara-compagni?utm_source=influencer&utm_medium=affiliate&utm_campaign=SARACOMPAGNI8&utm_content=podcast&utm_term=host+read#adv https://www.instagram.com/serenis.nutrizione/--SEGUI POSTURA DA PAURA INSTAGRAM - https://www.instagram.com/posturadapaura/ FACEBOOK - https://www.facebook.com/posturadapaura/ YOUTUBE - Per ascoltare e vedere la puntata https://www.youtube.com/@posturadapauraSEGUI SARA INSTAGRAM - https://www.instagram.com/sara.compagni/ PER INFO: Per avere informazione sui nostri programmi, attività, collaborazioni e altro: sara@posturadapaura.com PER B2B/WELARE: Scopri come introdurre programmi di prevenzione e benessere nel tuo piano di welfare aziendale: welfare@posturadapaura.com--- IMPORTANTE Il benessere fisico è una cosa seria! Le informazioni discusse in PDPodcast hanno esclusivamente scopo informativo e in nessun caso possono costituire la formulazione di una diagnosi o la prescrizione di un trattamento. Se sei alle prese con problematiche di salute che non avevi mai avuto, se i fastidi si intensificano o se noti cambiamenti al tuo stato di salute, non esitare a parlarne con un medico. Solo uno specialista può aiutarti a chiarire ogni dubbio e ritrovare il benessere.
How Did We Miss That? by IndependentLeft.news / Leftists.today / IndependentLeft.media
Stories:* ⭐ War Crimes Committed By Israel THIS WEEK* ⭐ Dominion Voting is Now Liberty Vote - This Is CONCERNING* ⭐ Spy Profiles VANISH, Boeing Profits From Genocide, Media Research Consolidation* ⭐ We're All Living In Miriam Adelson's WorldFor the links to all the articles & videos shown on the show plus the links to watch/share on every other platform, click here: https://www.indiemediatoday.com/p/how-did-we-miss-that-182Help fund the media you want to see! Indie Media Today and Indie News Network operate on a “Value for Value system.” Everything we do is free to all. We don't paywall our content, but we do need - and deeply appreciate - your support in order to keep running. One way to do that is with a monthly or annual subscription here.A $5/mo subscription here or on Ko-Fi.com helps us continue to produce quality content that challenges mainstream corporate funded narratives & amplify independent voices.Please support your favorite Indie Media creators! How Did We Miss That? features articles written by independent journalists who routinely challenge corporate-serving narratives & counter the talking points pushed out by corporate-controlled media. Each episode, we platform the work of dedicated independent reporters, researchers, and grassroots news outlets who are digging deeper on issues that matter. Break free from the media focused on the duopoly and discover the news you're not supposed to see.Perfect for viewers who:* Are skeptical of corporate-controlled news narratives* Want to be more deeply informed on critical issues* Believe in supporting independent journalism* Feel like there's always more to the storySubscribe to IndieNews Network (INN) and hit the bell
Informe Sostenibilidad del BAC.
Estás escuchando #JUNTOSRadio: Si alguien de mi familia tiene cáncer, ¿yo también lo tendré?, ¿En qué consiste una prueba genética?, ¿Qué puedo hacer para reducir el riesgo si los análisis dan positivo? Estas y otras preguntas nos responden nuestras invitadas: Laura Moreno, Consejera Genética especializada en cáncer en City of Hope e Isamara Cortés Cruz, Promotora de Salud en la comunidad del Centro Médico de la Universidad de Kansas. Sobre nuestras invitadas: Laura Moreno, también ocupa el cargo de profesora adjunta en Bay Path University. En 2020, obtuvo su maestría en Salud Pública con una concentración en Consejería Genética. Laura ha sido autora de varias publicaciones que abordan las disparidades en salud dentro del campo de la consejería genética y que exploran estrategias educativas sobre el cáncer dirigidas a poblaciones minoritarias. Además de su rol como consejera genética en cáncer, Laura comparte el curso de investigación para estudiantes de consejería genética en Bay Path University, donde fue reconocida con el premio de profesora distinguida en 2024. Laura está profundamente comprometida con incrementar la diversidad en el campo de la consejería genética y busca reducir las barreras que enfrentan las comunidades minoritarias para acceder a servicios genéticos. Ha creado y liderado numerosas sesiones de capacitación y seminarios web sobre el riesgo hereditario de cáncer, ofrecidos tanto en español como en inglés, diseñados especialmente para educadores de salud que trabajan predominantemente con la comunidad hispana. Isamara Cortés Cruz, también ocupa el cargo como coordinadora de investigación clínica en el programa de investigación All of Us y participa en un programa de pruebas genéticas para personas con riesgo de cáncer hereditario. A través de diversas actividades de divulgación, eventos educativos y presentaciones, ella se esfuerza por mejorar la salud y el bienestar de su comunidad. Recursos informativos en español: American Cancer Society https://www.cancer.org/es/cancer/prevencion-del-riesgo/genetica/sindromes-de-cancer-familiar.html Clínica Mayo https://www.mayoclinic.org/es/departments-centers/familial-cancer-program/overview/ovc-20198527 Facebook: @juntosKS Instagram: juntos_ks YouTube: Juntos KS Twitter: @juntosKS Página web: http://juntosks.org Suscríbete en cualquiera de nuestras plataformas de Podcast: Podbean, Spotify, Amazon Music y Apple Podcast - Juntos Radio Centro JUNTOS Para Mejorar La Salud Latina 4125 Rainbow Blvd. M.S. 1076, Kansas City, KS 66160 No tenemos los derechos de autor de la música que aparece en este video. Todos los derechos de la música pertenecen a sus respectivos creadores.
Mejora tu carrera como UX Designer en: escuelatribux.comApúntate a la newsletter de Píldoras UX Escucha aquí el episodio y apoya la campaña firmando aquí: gogooglego.comEntrevistamos a la responsable de comunicación de la Fundación Sasm. Laura Moreno nos habla sobre la iniciativa que han lanzado para pedir a Google que ayude a través de su buscador a la inclusividad de personas con discapacidad cognitiva e intelectual.
Hoy hablamos del show de drones del BAC que se realizará en el Festival de la Luz.
Empresa bancaria se une a ONG para ayudar a damnificados de Guanacaste.
--- Send in a voice message: https://podcasters.spotify.com/pod/show/moneymasterypodcast/message
En 6AM Hoy por Hoy, el padre de Luis Colmenares reaccionó al fallo judicial que involucra a Laura Moreno y Jessy Quintero, reiterando que su hijo fue asesinado.
You were just hearing from Laura Moreno Lucas, a Latina entrepreneur, about the purpose behind her latest initiative Libra Leaders (https://libraleaders.com/). It's a new platform with a collective $1.2B in investment capital setting out to help founders “scale the capital ladder,” by providing access to a network of influential women at every level of the capital markets, growth opportunities, and the big unlock for the Latino cohort: capital. Her founding team including Carolina Bradili and Anastasia Martinez sets out to build a wholistic ecosystem to uplift the next generation of unicorns. But prior to Libra Leaders, Laura had a history of working in the space from being an entrepreneur at an exiting company, to board member at bath and body brand Nopalera to being a general partner in venture. Before then, we had a pleasure of working together at Nasdaq, the stock exchange, where she was managing director for new listings and capital market. Today, we speak about the new endeavor to uplift women entrepreneurs, and learnings in her career as one of the few Latinas to rise through the ranks in capital markets. No te lo quires perder. Notes: This podcast was recorded during Women's History Month in the lead up to Libra Leaders' launch which was reported separately via Forbes. Find it here: https://www.forbes.com/sites/lyannealfaro/2024/03/08/this-platform-with-a-12b-investment-capital-helps-close-the-latina-founder-investing-gap/?sh=10d90ac55abe Our podcast host cited that fewer than 12 POC-owned companies had listed on NYSE. Our research suggests that the stat may be even slightly more striking. A recent Marketplace interview in fact cites that “There have only been about 12 ever in all stock exchanges that are minority-owned and controlled companies to reach a stock exchange.” Find the interview with Dream Exchange here: https://www.marketplace.org/2023/06/27/first-minority-owned-public-stock-exchange-looks-to-make-its-debut/ Follow Moneda Moves on Instagram: @MonedaMoves Follow your host Lyanne Alfaro on Instagram: @LyanneAlfaro Main podcast theme song from Premium Beat. Our music is from Epidemic Sound.
In this episode of Money Tales, our guest is Laura Moreno Lucas. Laura arrived in the United States from Mexico when she was seven years old, unable to speak a word of English. With her parents tirelessly working to make ends meet and facing their own language barriers, Laura found an unexpected mentor in the form of a janitor at her elementary school. Day after day, this janitor stayed behind after school to help Laura navigate the complexities of her new language, instilling in her not only the ability to communicate but also the courage to ask questions – a skill that would shape her future in profound ways. Fast forward to her first job in the financial sector, where Laura found herself surrounded by the dizzying flow of money that defines Wall Street. She couldn't help but wonder: Where did all this money come from? How did fortunes change hands so effortlessly? Laura stuck with that curiosity as she advanced her career and ultimately headed to the venture capital world. Laura is General Partner at L'ATTITUDE Ventures, leveraging her exceptional network and expertise to support the firm's deal flow and outreach strategy. She is the Founder & CEO of Pandocap, which provides strategic advisory and media services that help early and growth-stage companies access capital markets, implement and measure ESG strategies and accelerate towards an initial public offering (IPO). Prior to Pandocap, Laura was a Managing Director at Nasdaq, leading the IPOs of Beyond Meat, Lyft, The RealReal, Airbnb, and other high-profile listings. Laura is also a successful Latina entrepreneur having found and exited Ladada, one of the first fashion subscription startups to feature emerging new designers. Laura is an advisor to 500 Startups, Fulcrum Ventures, and a board member at Pangea Legal and California Lutheran University.
Dust Safety Science: Improving Combustible Dust Safety in the Workplace
Laura Moreno, Standards Lead and Industrial and Chemical Engineering at NFPA, goes over the NFPA 660 development and rollout process.
El 31 de octubre puede convertirse en el escenario perfecto para crímenes oscuros. ¿Qué impulsa a algunas personas a cometer crímenes en esta noche tan especial? En este episodio vamos a hablar de los asesinatos que han teñido de sangre la festividad más espeluznante del año: Halloween. Desde delitos cometidos por enmascarados siniestros, hasta homicidios disfrazados de bromas macabras.
Tony Diaz welcomes key members of Main Street Theater's current production of CARMELA, FULL OF WISHES, playing Sept. 24 – Oct. 21 at MST's Midtown location at 3400 Main Street, 77002 at the MATCH. Adapted by Nuestra Palabra's very own Alvaro Saar Rios from the best selling book by Matt de la Peña, Tony speaks with Alvaro, Laura Moreno, the play's director, and Jacqueline Vasquez, the actor playing Carmela, about this wonderful play and it's importance in telling our stories. On our show, we have: Laura Moreno (Director) Main Street Theater: (Director) Last Stop on Market Street (Costume Design) Miss Nelson Is Missing! The Musical!, Aunt Julia and the Scriptwriter, Dragons Love Tacos; Alley Theatre: (Assistant Director): A Midsummer Night's Dream, What-a-Christmas!; Mildred's Umbrella: Ladies' Night: Beckett Shorts; Lamar University: The Revolutionists; Jewish Community Center: Photograph 51; Horse Head Theatre Company: Church, Judgement of Fools; Gravity Players: The Last Days of Judas Iscariot; Duchesne Academy: Little Women, The Importance of Being Earnest. Education: M.F.A, University of Houston, Directing; M.A, University of Houston, Arts Leadership; B.F.A., University of Houston School of Theatre and Dance, Acting. Jacqueline Vasquez plays Carmela in our current production, and she'll be back right after Carmela Full of Wishes for Disney's Beauty & the Beast at Main Street Theater! Other credits include: James and the Giant Peach (swing), Miss Nelson is Missing! The Musical; Haven Arts: She Kills Monsters. Education: Texas Christian University. Alvaro Saar Rios is a Texican playwright living in Chicago. His plays have been seen in New York City, Mexico City, Hawaii, Chicago, St. Louis, Milwaukee and all over Texas. His award-winning plays include Luchadora!, On the Wings of a Mariposa and Carmela Full of Wishes. Mr. Rios is Playwright-In-Residence at Milwaukee's First Stage and a proud veteran of the US Army (he used to drive tanks). Originally from Houston, Alvaro teaches playwriting at the University of Wisconsin-Milwaukee. About CARMELA FULL OF WISHES Feliz Cumpleaños! It's Carmela's birthday, and she's finally old enough to tag along with her big brother as he runs the family errands. Passing by the bodega and the lavanderia, Carmela picks a dandelion and makes a very important wish… Carmela Full of Wishes illuminates the beauty of working class neighborhoods and the power of community and family. Told through the lens of a heartfelt sibling story, this endearing play explores what hope looks like in a migrant community steeped in Mexican culture. CARMELA FULL OF WISHES Adapted by Alvaro Saar Rios From the book by Matt de la Peña Illustrated by Christian Robinson Tony Diaz Writer and activist Tony Diaz, El Librotraficante, is a Cultural Accelerator. He was the first Chicano to earn a Master of Fine Arts degree from the University of Houston Creative Writing Program. In 1998, he founded Nuestra Palabra: Latino Writers Having Their Say (NP), Houston's first reading series for Latino authors. The group galvanized Houston's Community Cultural Capital to become a movement for civil rights, education, and representation. When Arizona officials banned Mexican American Studies, Diaz and four veteran members of NP organized the 2012 Librotraficante Caravan to smuggle books from the banned curriculum back into Arizona. He is the author of The Aztec Love God. His book, The Tip of the Pyramid: Cultivating Community Cultural Capital, is the first in his series on Community Organizing. Tony hosts Latino Politics and News and the Nuestra Palabra Radio Show on 90.1 FM, KPFT, Houston's Community Station. He is also a political analyst on “What's Your Point?” on Fox 26 Houston. www.Librotraficante.com www.NuestraPalabra.org www.TonyDiaz.net Nuestra Palabra is funded in part by the BIPOC Arts Network Fund. Instrumental Music produced / courtesy of Bayden Records baydenrecords.beatstars.com
Estás escuchando #JUNTOS Radio ¿Qué significa desarrollar cáncer hereditario?¿Cuáles son los cánceres más comunes que se pueden heredar? ¿Qué tan común son estos cánceres en la comunidad latina? Jennifer Argueta y Laura Moreno de la organización árboles familiares nos responden a estas y otras preguntas.
Introduction Michael Conrad is a building scientist and a serial entrepreneur that runs a company called, DILIGENT, a home inspection company based in Nashville, TN with over 1,000 5-Star Reviews. DILIGENT is the ultimate One-Stop Shop for inspection services in the mid-Tennessee area. You might have also seen Michael on his YouTube channel as “The Diligent Inspector”. Get In Touch With Our Guest, Michael Conrad If you'd like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today Find The Perfect Real Estate Agent Near You If you'd like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me Podcast Sponsors Find an Agent with HomeFlow: The key to having a calm and successful home buying experience starts with having the best real estate agent. This is why you need to interview a few. To get the process started just go to Tryhomeflow.com Dovly: 10 million of Americans have errors in their credit reports that lower their credit score. To fix those error try Dovly.com MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator Rate The Podcast Click on this link to Rate and Review "The First Time Home Buyer Podcast" on iTunes. You can also subscribe to the podcast there. I will really appreciate it, thanks so much in advance! Listen To A Podcast Guest In Your Area If you'd like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search Awesome Resources For First-Time Home Buyers If you'd like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources Let's Talk I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno Feedback I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno Share The Love If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it. Subscribe To The Podcast Apple | Google | Spotify | Stitcher | iHeart Connect On Social Media YouTube | Instagram | Facebook | Twitter | LinkedIn Do you want to start your own podcast? Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast! Transcript This is an automatic transcription (sorry for the typos in advance!
Introduction Lee Barroll is a loan originator in Nashville, TN. He has 26 years of experience and enjoys helping all types of homebuyers accomplish their goals. When not working, he loves hanging out with his 2 dogs, Charlie and Bernie. Get In Touch With Our Guest, Lee Barroll If you'd like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today Find The Perfect Real Estate Agent Near You If you'd like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me Podcast Sponsors Find an Agent with HomeFlow: The key to having a calm and successful home buying experience starts with having the best real estate agent. This is why you need to interview a few. To get the process started just go to Tryhomeflow.com Dovly: 10 million of Americans have errors in their credit reports that lower their credit score. To fix those error try Dovly.com MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator Rate The Podcast Click on this link to Rate and Review "The First Time Home Buyer Podcast" on iTunes. You can also subscribe to the podcast there. I will really appreciate it, thanks so much in advance! Listen To A Podcast Guest In Your Area If you'd like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search Awesome Resources For First-Time Home Buyers If you'd like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources Let's Talk I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno Feedback I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno Share The Love If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it. Subscribe To The Podcast Apple | Google | Spotify | Stitcher | iHeart Connect On Social Media YouTube | Instagram | Facebook | Twitter | LinkedIn Do you want to start your own podcast? Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast! Transcript This is an automatic transcription (sorry for the typos in advance!
Introduction Mike Sposato is the Owner and Managing Broker of Carolina Realty Advisors in Charlotte, North Carolina. He has been a Realtor for over 20 years and works with buyers and sellers all over the Greater Charlotte area. When not working Mike loves to travel, go to his beach house, and be on his boat. He is also an avid sports fan. Get In Touch With Our Guest, Mike Sposato If you'd like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today Find The Perfect Real Estate Agent Near You If you'd like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me Podcast Sponsors Find an Agent with HomeFlow: The key to having a calm and successful home buying experience starts with having the best real estate agent. This is why you need to interview a few. To get the process started just go to Tryhomeflow.com Dovly: 10 million of Americans have errors in their credit reports that lower their credit score. To fix those error try Dovly.com MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator Rate The Podcast Click on this link to Rate and Review "The First Time Home Buyer Podcast" on iTunes. You can also subscribe to the podcast there. I will really appreciate it, thanks so much in advance! Listen To A Podcast Guest In Your Area If you'd like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search Awesome Resources For First-Time Home Buyers If you'd like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources Let's Talk I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno Feedback I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno Share The Love If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it. Subscribe To The Podcast Apple | Google | Spotify | Stitcher | iHeart Connect On Social Media YouTube | Instagram | Facebook | Twitter | LinkedIn Do you want to start your own podcast? Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast! Transcript This is an automatic transcription (sorry for the typos in advance!
Introduction Libby Arnold is an Associate Broker at Realty Austin in Austin, TX. She specializes in residential real estate and loves helping first-time homebuyers understand the buying process and the market's nuances. Get In Touch With Our Guest Today If you'd like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today Podcast Sponsors MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator Rate The Podcast Click on this link to Rate and Review "The First Time Home Buyer Podcast" on iTunes. You can also subscribe to the podcast there. I will really appreciate it, thanks so much in advance! Listen To A Podcast Guest In Your Area If you'd like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search Find A Great Real Estate Agent Near You If you'd like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me Awesome Resources For First-Time Home Buyers If you'd like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources Let's Talk I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno Feedback I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno Share The Love If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it. Subscribe To The Podcast Apple | Google | Spotify | Stitcher | iHeart Connect On Social Media YouTube | Instagram | Facebook | Twitter | LinkedIn Do you want to start your own podcast? Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast! Transcript Laura Moreno: [00:00:00] First, the Home Buyers nation. I am loud ano, and I am super excited to bring you our fantastic guest today, Libby Arnold Libby is an associate broker at Realty Austin in Austin, Texas. She specializes in residential real estate and loves helping first the home buyers understand the buying process and the market's nuances. Libby, are you ready to flow? Libby Arnold: Let's flow. Laura, I'm. Great Laura Moreno: of you and our community. Just a little insight. Please share more about you personally and then expand about the. Libby Arnold: Of course, of course. So I am located in Austin, Texas. I actually live in Cedar Park, which is a suburb that's directly northwest of Austin. Um, I have been here since about 2010. I lived in the Dallas Fort Worth area prior to. Um, actually when I came to Austin originally, I expected it would be a very [00:01:00] temporary stay and here I am over 12 years later, it stuck and I just fell in love with it. Um, my background personally, I know I spoke a little bit about this last time, but quick refresher, um, a lot of my background is in the. Logical sciences and then grad school, um, I did kinesiology and so it's been an interesting, interesting journey from biology and exercise science and all of that to kind of get to real estate. But I started helping my husband, Alfredo, who is a local broker here as well. He's also at Realty Austin. We have a team. Um, he has been in the industry since 1990. And so met him after moving here and kinda got started around 2014, helping him out as a transaction coordinator, and then decided to get licensed, and then I got my broker's license and [00:02:00] things just kind of took off. And here we are. Sounds Laura Moreno: amazing. I mean, I, I love your story and I love that you're actually, your background is on sciences, on science, and you do a lot of data. You do a lot of analysis Yes. On the properties. Um, so I wanna go jump right in. What's going on with the market in a Texas and it like, it's like, it's been crazy. Like suddenly everyone was looking to buy a home. Well, Covid happened that no one was, was buying homes for. Two days and then suddenly everyone was like, Oh my God, I need to buy Then everyone was like, I need to buy. And for two years it's been like this crazy amount of people looking to buy properties. The prices have gone up. Interest rates score low, low. What is happening now in Austin, Texas? . Libby Arnold: So, Whew. It's, it's interesting. I was thinking back to when you and I last spoke, and I think it's been about 18 months, give or take. I was thinking about this on my run [00:03:00] this morning actually, and the things we talked about then and how much. Just, it has changed certainly in the last 18 months, and then in the last six months it's really changed a lot. And so Austin is definitely reflecting a lot of what we're seeing nationally, which is the net effect of everything going on is. Market has certainly slowed a bit, but it's, there's a lot more to it than that. And you mentioned C, that was a huge disruptor, and I know we're all tired of hearing the word unprecedented when talking about C and all of these factors that are driving the economy, but it really was, and at the very beginning when Covid happened, like you said, people stopped buying houses. Two days, days. We were really worried for that. Two days and the first week or two of the lockdowns, you know, [00:04:00] my brokerage real Austin did a really excellent job of hosting town halls for us and really collating some of that data. Cause I'm, I'm a data person. I love my numbers and my math and so they did a really good job and I remember us all being, Kind of worried about the market, and then as you said it, it literally felt like two days. I think it may have been two or three weeks , that things kind of shut down here and then it just took off. And 2021 was. A year, unlike one that many of us have seen in the real estate market nationally, certainly, but even more so in Austin, we have so many large tech companies that are either relocating here or they're building additional offices here, moving corporate headquarters here and. Bringing a lot of those employees with them, and a lot of that kind of coalesced around Austin. [00:05:00] At the same time, we had these historically low interest rates, and all of these other drivers were really pumping a lot of money into the economy, and so we had an absolute record year in 2021. But a lot of what we saw was these poor buyers, and especially first time home buyers that two or three years prior to that, we had all these amazing down payment assistance programs and builder incentives and all of these ways to really help make that dream of home ownership a reality for them became a really difficult. In 2020 and 2021 because they simply couldn't compete with these other buyers that were coming in that were, We had houses selling two and $300,000 over asking, and in some cases more, And these buyers are very cash heavy. They're waiving appraisals. They're waiving option periods, they're waiving things that we would just.[00:06:00] And good conscience actually recommend a buyer wave, especially a first time home buyer that's not sitting on hundreds of thousands of dollars of extra cash that they can just kind of throw at this. And so that's where we were. Where we're at now, not so much anymore, and I really wanted to, to kind of focus a little bit on the way things were because it's easy to forget. We hear a lot of doom and gloom, and we hear a lot of fear about interest rates, which are higher, and it's a non-trivial amount. They're significantly higher than they were at the beginning of the year, but. The good news that we're seeing here is these, Give me Laura Moreno: the good news. I want the good news. , I have good news. It's like, give me, give, give us the good news for us. , Libby Arnold: I have good news. We're not seeing a hundred thousand dollars of. Anymore. We're seeing houses are staying on the market longer, and so if we [00:07:00] go out with that first time home buyer, maybe we go out on Friday and we see a home that they really like A year ago, we would have to say to them, Okay, offer deadline is Sunday at 5:00 PM You've got 36 hours to think about that. This, here's what the listing agent will tell me about the offers there are. Now, you know, we need to do this and this and this and offer this much over list, and we're not having to do that anymore. We're able to say, We're so glad you liked this house. Why don't you go sleep on it. Let's reconnect tomorrow or in a few days and see how you're feeling. Let's talk to the lender. Let's run some really detailed numbers. Let's take a more detailed look at this property. Let's see if there's anything we might wanna ask the sellers to fix. Let's talk to the lender about your closing costs. Let's see if we can maybe structure this contract in such a way that the sellers are. Able to because they're [00:08:00] willing to do this now, right? Able to contribute some money to help you buy the interest rate down. And that definitely could be something we talk about too, because there are a lot of ways to kind of manipulate that contract, manipulate seller contributions, manipulate, um, types of loan programs that we're using to where we can get that interest rate down to something that. It doesn't start with a seven hopefully. Right. . Laura Moreno: That's really good. So what you're saying basically is like before we, buyers had to make a decision straight away, really fast, Uh mm-hmm. and you know, and when you're talking about people like waving inspections and waving contingencies, I have to say that. Some realtors were recommending that, but actually the market was dictating that because I even remember talking to a friend of mine. She just put a home and she told me without even blinking, that she had put $200,000 more [00:09:00] on, on the home that she had paid the, the, the realtor's fees, $60,000 and that she hadn't put any contingency. And I was like, Wait, what? And she was, she was like, I really wanted the house. I was like, mm-hmm. Okay. Like you, you know what I mean? It's like the market was dictating these things. . So now you're saying that people can go back home, sleep on a property, which is kind of crazy. Sleep on it, sleep on it, and then run the numbers with your lender. And again, people think about this, like I read yesterday, an article that said 70% of first time home buyers have some regrets. About buying a home, and most of the regrets were because of the numbers, because they didn't expect the costs to be so high. They miscalculated the mortgage. So I love that you're saying that now you can go back to your lender, run the numbers, understand what are going to be your upcoming costs, monthly costs to make sure you're not. Making a mistake. And what I love most about it is now you can go back to [00:10:00] the seller and say, Hey, hey, hey, hey, hey, you beautiful seller. This is not 2021 anymore. I'm sorry for you. Right. What are you willing to contribute to my, to my closing costs? Like Right. I love that. I love all that. So we basically have the power. Yeah, we have the power. Libby Arnold: Yes. Buyers have some power back. It's. It's really nice to see, um, because we work with just a large portion of our business. As buyers, and we certainly work with sellers, we work with investors as well, but a large portion of our business has always been first time home buyers, and that's what we're very passionate about. And so it's, it's so refreshing for us to be able to get out there and really go to the bat for them again, because for so long it was the best that I can really do is work hard to structure this contract in such a way that we're minimizing your risk. If you wanna buy a house in this, in this insanity, that was 2021, [00:11:00] and now we're really able to step in and say, Okay, you know what? You may not have to move three suburbs away from Austin anymore. Maybe you can live right on the outskirts exactly where you wanted to live because the prices are lower. And again, sellers are willing to. Come to the negotiating table. Things have kind of been different for long enough now. Um, this really, I'll backtrack a little bit. This really started for us in Austin in April when our new tax assessments came out. So one thing about Texas is our property taxes are a little bit higher than pretty much anywhere else in these contiguous United States. And it's not specifically market driven. We. Entities within our governments that do something like an appraisal every year. And so every year our property values with respect to property [00:12:00] taxes change. And so for a very long time, those property tax values here were. Kind of artificially depressed and the tax valuation was running about half of what market value was. In a lot of cases. I'm going somewhere with this, um, . And so what we saw, we had another little, um, Incident that I won't get into, but our, in Travis County, which is where Austin is, our tax appraisal folks got into a little bit of trouble for using some data they weren't supposed to use for valuations. And so in 2020 they could not do any new appraisals for the purpose of property taxes. So then what happens? 2021 is eventually these new values come out. Well, we all know what happened in 2020 and 2021, and the first part of 2022 is we had zip codes [00:13:00] here that saw a hundred percent growth in a property value over that period. Literally doubled. And so all these factors come together. And very long story short, we get the new values. New estimates come out around April of this year, and they're just, Insane. And people's property taxes are doubling. Um, I had a client whose appraised value went from 280 something thousand dollars to about 1.5 million. Laura Moreno: Whoa, whoa, whoa, whoa. That means that you have to pay taxes on 1.5 million. Correct. Whoa, that's, that's. That's like seven times or whatever it is. Seven times your tax bill. Libby Arnold: Yes, yes. It went up, I did the math. It went up 486%, and that's a really extreme example, but we saw a lot of cases where it went up a hundred percent, 200%. And so not only at that time were we [00:14:00] in this environment where interest rates are starting to rise. These taxes are starting to go up as well. And so Austin really quickly just started to become incredibly unaffordable for almost anyone because of that combination. So you're paying 50, 80, a hundred percent more for the house. The taxes are now a hundred percent more. Whoa, your monthly payments significantly higher. And then on top of that, were not, Dealing with 2.75% interest rates anymore either. And so the combination of those three things really started to affect the market. And then on the heels of that, sellers, you know, people are generally pretty intelligent, especially when it comes to large investments like real estate. They start to see the writing on the wall. Everyone lists their house, right? We have a lot of [00:15:00] investors in Austin. A lot of people invest here, and when those taxes start to go up, then they have to raise the rent. Some of those folks have also decided to sell, and so we saw really about 170% increase in inventory year over year in a pretty short period. Two. Combined with the previous three factors. And so all of that has really slowed demand down and it has caused prices to start dropping. Um, and so that when interest rates are higher, that's something that. Is really, really helpful. And so we're starting to see, you know, we've kind of crested the wave and we're really starting to see things come down. The trouble that we're kind of left with now are those interest rates, and that's where we start going to. The sellers. Um, and there I can definitely talk about there are [00:16:00] some different programs. So Laura Moreno: let me, let me give a little bit of a quick summary of what you've said to make sure I understood it right and we all understand it very well. So there's been actually lots of contributing factors, uh, like the, the taxes, you know, to taxes, uh, people putting the houses on the market. Um, so lots of contribution factors that are making now Sellers want to put houses on the market now more than before. Mm-hmm. , right. And at the same time, those investors are also raising rent. So that might mean that those people renting are saying, Hey, hey, hey, you know, my rent is more than my, what my mortgage could be. So let me look at the market now. Those renters may be looking at the market now and saying, Well, my market is going to be very high because it's at 7% now. So now let's go into how do you solve for that market interest rate? And this is where [00:17:00] everyone is like, how, How do I solve for that 7%? That's a lot of money. . Libby Arnold: Yes, because it's very easy to sit here and say, prices have come down and they have upwards of 20% in some cases. And I, I hesitate to say, Publicly, I would not be shocked if we see another 10 or 15%. Um, Maybe a little more, even depending on how things play out. And that's great. And buyers have more leverage and that's great. Ladies, Laura Moreno: guys, sorry Libby, sorry to interrupt you again, but this is great. This is great. 20% down, 30% and 40% down. You buy the price low, you log the interest rate at 7%. But remember, remember you can refinance. I did it one year after buying, when the, when the winters rate drop, 2, 3, 5 years on the line, you've refinanced. Sorry. Continue, Libby. But this is a great opportunity. Libby Arnold: It is. It is. And there's a window right now. And so we're left with, Right. There are all of these great things and all of these really good [00:18:00] reasons to get into the market right now and never mind that. But November 9th at the moment, and so the next six to eight weeks, things are really. Pretty shut down for the holidays. There aren't a whole lot of buyers. The houses that are listed right now, they're listed because these folks need to sell and move. They're motivated. So again, there's a long list of all of these great reasons to buy. And then, oh, but we've got these interest rates over here that are frankly quiet high. So how do we deal with that? Yes. So couple of things, right? Couple of things we can do. Um, one, In the realm of new construction, I'll look at new construction and then I'll kind of look at resales as well. Um, a lot of our first time buyers really gravitate toward new construction because there's less maintenance. It's a brand new house, no one's ever lived in it, et cetera. Um, with new builds, they're seeing a lot of [00:19:00] what we're seeing in the resale market. Right now, they're dealing with roughly a 30% cancellation rate on a lot of their contract. Laura Moreno: Filters. Don't wanna, I like that. They don't wanna, You were talking, I'm thinking about like some, Yeah, I'm thinking about some buyers. I'm going to send this episode too. Like guys, guys, guys. Okay. So they are facing cancellations, 20% cancellations. Libby Arnold: So they're facing 20, 30% in some cases for a lot of reasons, which is probably a whole nother podcast. We could ask , but they're offering quite a few incentives. Some of them are putting 15, $30,000. Closing costs toward helping buyers buy that interest rate down. Meaning the buyer can prepay the lender for points, and depending on how much you pay, that can bring down a fixed interest rate. So that's something. In other cases, the builders are actually buying the rate down for you, um, and [00:20:00] they're advertising, you know, instead. Seven or seven and a half percent. They're offering five. They're offering five and a half. Um, and that is something that if you can tolerate that for a couple of years, right? Five and a half is still a pretty decent interest rate. Actually. It's, it's not terribly high. Um, you know, and we've gotten really used to, because of the need to stimulate the economy previously, we've gotten really used to artificially low. I had somebody close that I think two and a quarter was the lowest I saw, which is, oh my God, not even free money. They're almost paying them to buy at that point. Laura Moreno: I'm not that, You know, two, you always want lower , , , Libby Arnold: but it's artificially lowered and so five and a half is really much more in line. Historical averages. It's not, um, not [00:21:00] something crazy. And so, and if you look at monthly payments, At five and a half percent. It looks a whole lot nicer than it does at seven and a half, and five and a half is something that I can probably wrap my head around for the next year or two, and then I can re refinance later when inevitably rates come back down, which they ultimately will. There are a lot of people trying to forecast when ultimately they will. Um, the bottom line on the new build side is that a lot of these builders don't wanna lose a contract. Right. They're willing to negotiate. Um, and they're negotiating on price too. I have, um, some very sweet first time home buyers that are under contract with a local builder right now and completely unsolicited. Um, they've been under contract for about six months. We got an entirely unsolicited email from the builder that said, Hey, we're lowering the price of your house, 55,000. Really Laura Moreno: what's wrong [00:22:00] with house? You guys just go and check the house. What's wrong with the house? ? No, nothing. That's like a little bit concerning. Libby Arnold: Wait, what? What is happening is that, again, back in 2021 and early this year, um, builders were essentially having auctions, much like on the resale. And the new builds. The to be built houses had multiple offers, and so we had to go in and offer and bid a certain amount over whatever their starting bid was. Well, the market is no longer supporting the builders having bidding wars. Things have changed as we've discussed, and so that has caused prices to decrease there. And then what happens is when those start to close at lower prices, now we're gonna run into an issue where the other houses that are currently under contract are probably not going to appraise. Because the most recent comparable closings are at a lower price. And so there's some of it, they're, they're [00:23:00] protecting themselves in there as well and trying to avoid dealing with an appraisal issue. But again, they also really don't want this cancellations right now. Um, and it's not necessarily a unique story. I hear about other agents and other brokers at our brokerage where things like that are happening, um, all the time. And so, Anybody. We have just anybody in the country. Honestly right now that's under contract with a builder. It does not hurt to have your agent go back and talk to the builder and just say, Hey, is there anything else that you can do for me? Odds are there's something. That's Laura Moreno: amazing. I mean, I was going to say like, oh, that's so kind from builders. You know, they're , but they're protecting themselves because if the house doesn't praise you may not be able to close. They don't want those cancellations. They see it coming and they're like, Wait, wait. Let me send a nice email. Let me, They must be in a peak hole. They must be like, Oh no. Aren't you really happy as a realtor [00:24:00] to representing buyers to be now in the strong position and say, Hey, listing agent, this is really nice. But because before the listing agents were the kings of the world and the queens of the world, right? Yes. Now you have the crown. Libby Arnold: It's not quite as much fun when we're listing a house now, , but with the buyers. No, it really is because for so long this has been what my husband and I are really passionate about. Home ownership and first time home buyers. And particularly in a market like Austin, that's just candidly gotten quite expensive. It's not a secret. Um, it's something we're really passionate about and it's something that's been really increasingly difficult. And so it's, it's a pleasure to see that. And it's a pleasure to be able to go in and negotiate the free washer and dryer and fridge and. And Laura Moreno: everything. Why give me everything that you have. You go to the shop and you're like, This, this, this, this. All of that for zero . [00:25:00] Libby Arnold: Yeah. Yes. Exactly. Exactly. And that's, So Laura Moreno: tell me how it is for now. Tell me how it is for resales now. So you touch upon construction, Is it similar for resales or We already talked about that. Libby Arnold: No, no, it's, it's, I got distracted with all the other things the builders are doing and Um, we are seeing, it is similar, the contracts here are set up differently for a resale, but we are seeing a lot of, we're able to make offers below asking price. Or, and even just being able to make a list price offer , it's such a nice change. But in addition to that, we're able to go in and ask the seller for contributions to closing costs, which can help. And again, similar to the new build side, that money can be used to buy down the interest rate. Um, there is a program floating around that's increasingly popular around here called a two [00:26:00] one Buy. Ooh, what is that? And what that is, is essentially the interest rate is bought down for a period of about two years. And because of the way that it's structured, the seller actually has to pay for that. And so we are seeing some cases where we can make an offer at list or a little bit below list, and then we can ask the seller in a separate area of the contract to actually pay for that interest rate buy down. Um, in some cases, I mean, that costs 17 $20,000 sometimes more, and sellers are willing to do. And then the benefit to the buyer is I get a significantly lower interest rate for two years, and then with the hope that within two years I'm able to refinance into something else, which most likely you will be. But it also gives those buyers a chance to kind of adjust to having the mortgage, making that payment, um, starting [00:27:00] to budget for that. And then the interest rate can adjust a little bit later. So, Something that can be done. And then of course those closing cost monies can just be used toward a straight interest rate, buy down on a fixed rate as well. That Laura Moreno: sounds great to me. So you are saying there's properties coming to the market. Those properties are likely not going to sell so many of them in the next six, eight weeks. Sellers may be desperate to sell, they're willing to give concessions, they're willing to do things for you. Property prices are declining, so you could go shopping now, see a property that is lower in price, and then even negotiate a little bit farther, negotiate those interest rates. I think it's a, I mean, taking into account, yes, there's, we all know the interest rates are high, but apart from that, it seems like the fantastic time to buy. I mean, if you can handle those high interest rates for a couple of years. Mm-hmm. It is a great time to buy [00:28:00] now. Like it is a fantastic time and I love the idea that you have with new builds, with builders coming there and saying, Hey, what can you do for me? Mr. Builder? Yeah. What can you do for me? You know, I'm now, you are now home buyers. We are now in a strong position. Now we have to manage the interest rate and we have to understand that it may be hard for a couple of years, is going to be high for a couple of years. But if you do that, you can buy something really nice now like, and be in a very good situation a few years down the line when your property may have gone up in price, you know, all the other purpose are going down. You know, it's like a very good time to buy. Libby Arnold: It really is, and it's just, it's so refreshing to be able to say these things. And so it's again, about, it's kind of the same, using this creativity to structure it in such a way that we can make that interest rate manageable. And it's very similar to how it was in 2020 and 2021. It's just kind of, [00:29:00] The script has been flipped a little bit and back then it was much more about, okay, we have to pay over ask and we have to waive all of these things. How can we creatively find some sort of out in this contract for you? How can we set this up to where there's some hidden way we can get you out of this and kind of protect you? That was our creativity then and now it's, there is just a list of 20 reasons that it's an amazing time to buy. But we need to get creative on how we manage this interest rate and how we get that to a level that is something that you're comfortable dealing with. And a lot of it too is there's just sticker shock at first because we're used to seeing that. 2.25. And I remember when my first buyer that had something approaching four, and we all thought, Oh, that's so high. We love four now. Take it. But take the Laura Moreno: four. Take the four . I wish we could have a way of going back [00:30:00] to the past and say, Take it. Libby Arnold: Yes, do it now. Do it now. When interest rates grow up, we tend to see prices come down. And you know, we talked about a lot of these other factors influencing Austin outside of, you know, we've got the geopolitical things that are going on. It's an election year. Things always get a little strange in the housing market during an election year and, So we've got these larger forces and then kind of these local things happening as well that have really created kind of the perfect storm. And again, if we can just creatively deal with the interest rate issue, everything else that was making it so difficult to buy has kind of just gone away. And so it's, it's really fun to be able to actually negotiate a little bit again and, and stand up for our. Laura Moreno: More Levy, you've shared amazing information today and a very different perspective. What can we do for you? Libby Arnold: Oh goodness. Well, thank you so much for letting me [00:31:00] come back. Like I said, I was thinking about this this morning and thought, Man, it's, it's such a different message than last time, and that's such a nice thing for me. I'm so happy about it. Um, well, if anyone is interested in following along with a couple of things, the Austin Real Estate Market, um, my Instagram is Libby. arnold.realtor, you can follow me there. Um, FairWarning, I do, I run. Um, and so you'll get Austin real estate market stuff and you'll get some of our listings and you'll get a bunch of my running posts too. So have any interest in running or real estate. Um, that's a really good place to connect with me and we try to post a lot of good, um, content and a lot of data and those pieces about the market as. Well, Libby, Laura Moreno: thank you so much for being in the first Time Home podcast again. Libby Arnold: Oh, thank you for having me. Thank you so much. It's been so nice to chat with you again.[00:32:00]
Introduction Frank Pietrzak (Peter-Zak) is a property tax foreclosure Auctioneer in New York State with over 20 years of experience. Frank and the professional team at NYSAuctions.com have returned over 40,000 properties to the tax-paying rolls and he mentions this could be a great option for 1st-time buyers who have access to funds. Get In Touch With Our Guest, Frank Pietrzak If you'd like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today Find The Perfect Real Estate Agent Near You If you'd like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me Podcast Sponsors Find an Agent with HomeFlow: The key to having a calm and successful home buying experience starts with having the best real estate agent. This is why you need to interview a few. To get the process started just go to Tryhomeflow.com Dovly: 10 million of Americans have errors in their credit reports that lower their credit score. To fix those error try Dovly.com MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator Rate The Podcast Click on this link to Rate and Review "The First Time Home Buyer Podcast" on iTunes. You can also subscribe to the podcast there. I will really appreciate it, thanks so much in advance! Listen To A Podcast Guest In Your Area If you'd like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search Awesome Resources For First-Time Home Buyers If you'd like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources Let's Talk I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno Feedback I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno Share The Love If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it. Subscribe To The Podcast Apple | Google | Spotify | Stitcher | iHeart Connect On Social Media YouTube | Instagram | Facebook | Twitter | LinkedIn Do you want to start your own podcast? Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast! Transcript This is an automatic transcription (sorry for the typos in advance!
Introduction John Leon Gonzalez is a Certified Professional Inspector® in Seattle, Washington that has been licensed as a realtor since 2007 both H.I. and WDIR (Pest). He is also certified by the International Association of Certified Home Inspectors® (InterNACHI®) and today he comes to tell us everything about how to have a great inspection in Seattle, Washington. Get In Touch With Our Guest, John Leon Gonzalez If you'd like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today Find The Perfect Real Estate Agent Near You If you'd like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me Podcast Sponsors Find an Agent with HomeFlow: The key to having a calm and successful home buying experience starts with having the best real estate agent. This is why you need to interview a few. To get the process started just go to Tryhomeflow.com Dovly: 10 million of Americans have errors in their credit reports that lower their credit score. To fix those error try Dovly.com MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator Rate The Podcast Click on this link to Rate and Review "The First Time Home Buyer Podcast" on iTunes. You can also subscribe to the podcast there. I will really appreciate it, thanks so much in advance! Listen To A Podcast Guest In Your Area If you'd like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search Awesome Resources For First-Time Home Buyers If you'd like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources Let's Talk I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno Feedback I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno Share The Love If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it. Subscribe To The Podcast Apple | Google | Spotify | Stitcher | iHeart Connect On Social Media YouTube | Instagram | Facebook | Twitter | LinkedIn Do you want to start your own podcast? Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast! Transcript This is an automatic transcription (sorry for the typos in advance!
Introduction Bryan Mize is an excellent home inspector and founder of Optimized Inspection Services, a home inspection company in Seattle. He is passionate about sharing his knowledge and helping others to succeed in RE too. When he's not working he loves hiking, motorcycling, and enjoying live music/theatre. Get In Touch With Our Guest, Bryan Mize If you'd like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today Find The Perfect Real Estate Agent Near You If you'd like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me Podcast Sponsors Find an Agent with HomeFlow: The key to having a calm and successful home buying experience starts with having the best real estate agent. This is why you need to interview a few. To get the process started just go to Tryhomeflow.com Dovly: 10 million of Americans have errors in their credit reports that lower their credit score. To fix those error try Dovly.com MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator Rate The Podcast Click on this link to Rate and Review "The First Time Home Buyer Podcast" on iTunes. You can also subscribe to the podcast there. I will really appreciate it, thanks so much in advance! Listen To A Podcast Guest In Your Area If you'd like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search Awesome Resources For First-Time Home Buyers If you'd like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources Let's Talk I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno Feedback I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno Share The Love If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it. Subscribe To The Podcast Apple | Google | Spotify | Stitcher | iHeart Connect On Social Media YouTube | Instagram | Facebook | Twitter | LinkedIn Do you want to start your own podcast? Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast! Transcript Automatic transcript (sorry for the typos in advance!
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