Podcast appearances and mentions of laura moreno

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. 

Il diabete è una malattia spesso fraintesa. È davvero causato da troppi dolci? Si può guarire? E come si può convivere con questa condizione? In questo episodio di PDPodcast Live, Sara Compagni ospita il dottor Giulio Frontino, endocrinologo e diabetologo, e Laura Moreno, Creator e Advocate per il Diabete Tipo 1, per fare chiarezza su miti, gestione e convivenza con il diabete.Giulio ci spiega le basi: i diversi tipi di diabete, come si sviluppa e come viene trattato a livello medico. Laura, come paziente e advocate, condivide la sua esperienza personale, raccontando come ha scoperto di avere il diabete e come questa diagnosi ha cambiato la sua vita.La conclusione? Si può convivere con il diabete grazie all'educazione, al monitoraggio, a uno stile di vita sano e al supporto medico.Segui questa puntata per sfatare falsi miti e scoprire informazioni preziose per migliorare la gestione e la comprensione del diabete.Buon ascolto!--- SEGUI POSTURA DA PAURAINSTAGRAM -    ⁠https://www.instagram.com/posturadapaura/⁠ FACEBOOK -    ⁠https://www.facebook.com/posturadapaura/ ⁠ SEGUI 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.

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.

Laura Moreno, Standards Lead and Industrial and Chemical Engineering at NFPA, goes over the NFPA 660 development and rollout process.

La karateca riojana, Laura Moreno, ha comenzado a participar en competiciones internacionales y ha logrado el grado en Matemáticas por la Universidad de La Rioja.   

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!

Introduction Chris Sayre is a Mortgage Lender in Kirkland, WA. He's always had the heart to help others and Mortgages are just an extension of his desire to make a difference. When he's not working, he enjoys spending time with his family at their cabin in Eastern, WA. Get In Touch With Our Guest, Chris Sayre 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! Transcription Laura Moreno: [00:00:00] First Time Home Buyer Nation I am Laura Moreno and I am super excited to bring you our fantastic guest today, Chris Sayer. Chris Sayer is a mortgage lender in Kirkland, Washington. He has always had the heart to help others, and mortgages are just an extension of his desire to make a difference when he's not working. He enjoys spending time with his family and dog AB there cabin in Washington. Chris, are you ready to flow? Chris Sayre: Let's do it. I'm happy to do it. Yes. Laura Moreno: Great. So I've given our community just a little insight. Please share more about you personally and then expand upon your business, Chris Sayre: you know, um, I, you know, I have a big extended family. Um, you know, my wife and I have five kids and she came from eight kids, and those eight kids all have five plus kids, so it's a big extended family. Um, my mother and father-in-law were just, they're from Belarus and they're just the most beautiful people, you know, that salt to the earth kind of folks. They both passed away this past year. [00:01:00] So, you know, I think you're learn in life. You know, you really. What matters, what is, what really matters. And I have, you know, such a heart for people and such a heart to help out. And, you know, it's one of the reasons why I wanted to come on your show is because it's, it's where my desire is. You know, I, I have it at heart to, to give. And I think doing mortgages is my way of, of trying to give back. Yeah. Laura Moreno: Wow. Tell me, tell me more about that desire to help others, because you were telling me you participate in so many programs that really help others. They help the community, they help veterans. Where does that come from? I mean, how did, how did it all get started? Chris Sayre: I, I think it's an awesome question. I would say it really just got started, you know, as you live life, you know, you'll learn that, um, it's not very fulfilling if you're just living for yourself. Uh, I think that my goal for myself and for my wife is to do as much as we can to help others. Um, you know, we don't make a dollar to keep a dollar, have a dollar more in the bank. We make a dollar to share it with [00:02:00] others. I think if you're blessed, you're supposed to bless others. So we, we look at the world this way and we're. One heart, one mind for this. And I think some of my most joyful times in my life are when we've helped other folks out. Um, so I mean, just personally. And then honestly, when, uh, I've done a mortgage, uh, for somebody, I, I have such beautiful and kind clients. I don't know. I just, you know, I feel really blessed in that respect too. People calling me up years later, you know, asking me for help or, you know, all of my reviews on Zillow are all five stars and, you know, like they're, you know, they just are great people and it fills my heart to help. Laura Moreno: Wow, that's, um, I don't know. Beautiful. Yeah, no, it's so, it's such an order to have guests like you that are with heart of giving, giving to others, you know, not only taking, or not only like is a, is a paycheck, it's a commission, whatever it is. It's more like giving, empowering others to buy homes. Like, do you remember one of those stories that really move. Chris Sayre: Um, you know, honestly, [00:03:00] I, I probably would have, you know, quite a few, you know, you know, I've had people, you know, that I've helped out that, you know, they have families like ours or, uh, large families. Uh, usually, uh, it's people. Since I live in the Seattle era, we have people from so many different cultures over here, and oftentimes these other cultures they believe in, um, like having parents come live with them and helping out. And, you know, you know, for me, my stories would. You know, uh, people trying to get into their first home, I can think of this one couple in particular. And they were trying to also do it so they could bring their parents over from overseas to live with them and, you know, Yeah, it's not, Sometimes it's not always easy. Sometimes it is. But I remember this particular case, you know, there was a little challenge getting 'em approved. Uh, we ended up doing it, and when we closed it was just, it was such an important moment for them to, to be able to get this home because it wasn't just for them. It was to be able to bring their family over and for them, even if they would've lived here and rented, they. Just fine, but [00:04:00] it would've been this emptiness that they had because with a home, like a home is for family, right? So you can't, it's hard to rent and bring people over and have it feel the same when it's your place, your yard, your, your home, everything is that. And so, uh, they were able to bring their parents over and they were just so excited and so happy. And so for me, honestly, it just that that's kind of what you do this for you. Like I said, to bless people and I was so thrilled and so happy for them. And this is a normal thing. This isn't just like one time occurrence. This happens on a regular basis that people out there are trying to help family out and they really need a home because their family is kind of too tight in the space they're in. I Laura Moreno: love that so much and I see it all the time actually. I am an, I am an immigrant and I work very often with immigrants and, and I see it all the time. We immigrants want to help others bring others to the country. And even with your own savings, I mean, I see it even with my nanny. She's amazing. I have a one year old and she's always giving back to her community. She's always bringing people over, always [00:05:00] lending them the money, always empowering, empowering them to live a good life. And it blows my mind how much generosity, generosity she's putting out there. It's. Really mind blowing and you remind me of her. It's, it's so beautiful. It's really beautiful to see Chris Sayre: Well, you know, my, my wife and her whole family are immigrants also, so it's probably another reason why I have this heart for people who come from other countries. Cuz my wife came here, no English, no money, you know, And from that they just worked. You know, that's all they knew. Uh, just hard work and on top of being smart, of course, and just being, you know, really great people. And I saw them come from zero to, not that they have a lot, but they have a home. Right. And that, that was the goal. And, um, and it inspires me. Uh, uh, to have family like that and, you know, I was born in this country, so for me, I feel, you know, very fortunate and I want to do all I can to help other people who come over here and need help [00:06:00] and, and do my part and do what I can. So Laura Moreno: tell me more about House for Heroes and how do you help that community of veterans? And tell me more about that. Um, uh, that part of your business. Chris Sayre: Yeah, so there's a, uh, organization called Homeless for Heroes that came outta really the 9 1 1, uh, time frame. Um, but you know, it, it certainly, uh, helps, you know, military active reserves, veterans, uh, firefighters, ems, uh, law enforcement, healthcare professionals and teachers. So basically anybody who's helping the local. You know, and they want to give back to them. So this program is just designed so it it with us in particular, uh, you know, like we waive our, our lender fee when we work with them, the real estate agents that work with them that are part of this program, they give part of their commission back. Mm. So I personally, uh, recently talked with, uh, a really terrific realtor who, um, Uh, uh, uh, is part of this program and she had this awesome line and she said, You know, can you imagine being one of these [00:07:00] tiros and you just move into a house and the first piece of mail you get is a check from the Homes for Heroes program. and, you know, so for her it just thrilled her to know when to do that. And it's, and it's not just a small check, It can be thousands of dollars that these people get. The first piece of mail they get is a check from the Homes for Heroes Program. So I think it's, for me, again, uh, I, I was super excited to be a part of it and I'm, I'm, I'm happy to be able to help people that are serving our local communities. Laura Moreno: Wow. Yeah, totally. I, I, I love that so much. So, um, tell me more about where you are now, the market, What are you seeing in, in Seattle? In Washington area? Yeah, Chris Sayre: Yeah, it's a, another good question. So, I, I, I would say that right now what we see is, is, um, you know, prices dipping just a little bit. So kind of our expectation right now, uh, in this area at least, is that you're, See, as we head into this recession, we're gonna see some pressure for money to no longer go into the stock market, but instead that money's gonna go [00:08:00] into bonds, which is gonna push rates down. So anyway, big picture is we see rates coming down somewhere in the next six, 12 months, something like that. So anybody that has a loan right now, they're gonna be refinancing out of it. So the main thing is, so our line we're using is marry the home date, the rate, right? Because what's gonna happen is that you're only gonna do it short term. Our expectations, you may see rates drop as much as 2%, maybe even a little bit more, and you'll be refinancing out of it. So the the good, it's actually, even though rates are a little higher right now, it's a perfect time to buy. It's a perfect time to buy because values are down and there's less competition. If you wait until a little bit later on when rates are lower, then what's gonna happen is values are gonna be going up and there's gonna be more competition. So it's much better to buy right now while the values are down and you can refinance out of it a little bit later. And so that's what we've been telling all of our clients and all of the realtors that we work with, is that this right now is a perfect storm, perfect time to purchase a home, knowing that you're not gonna have that loan very long. Laura Moreno: Got it. A [00:09:00] and that's a great line. I love this. Um, marry the house. Date, date rate, marry the house. . Yep. Chris Sayre: That's a, that's a marry the house date, the rate that's right. . The only Laura Moreno: thing sometimes people think about is like, well, but getting that mortgage is costing me money, refinancing is going to cost me money. And, and to that, I will say that when we refinance our home here, we bought it at 4% interest rate, which was good. We refinanced at 3.2 and within a few months we had already paid. Fee that the cost to refinance. So, So it makes total sense. And I love that the values are a little bit down because that's what we wanna first ask first, First time home buyers. Yep. Do you see sellers making more concessions as well, like being able to pay, like give us some help to first and home Chris Sayre: buyers? Absolutely. Positive. Yeah. You are. Again, spot on. The answer is absolutely yes. I, I think sellers are also, they don't want to be sitting on the market for an extended period of time, cuz if they are, that means their price is probably gonna be coming down or they'll have to take the home off the market. Got it. So the many, many transactions where [00:10:00] sellers now are, are offering incentives to the buyers. Could be a builder, it could be just an individual, you know, like you and me, who are maybe trying to sell a home that are doing what they can to help buyers, uh, purchase a home by giving them some type of credit. We see this on almost in every loan right now. Laura Moreno: Yeah. And we love that. So if you're a first time home buyer and you're, listen, Just get in touch with Chris. You know, get pre-approved and go start, start shopping for homes because values are down. Don't be as scared about that interest rate because you can refinance and like someone told me, Chris Buffet is like buying now the most of, he is fortunate. He's making it right now because he's buying low and then's, right? You will sell high. So just getting that home. So Chris, tell me about your first time home buying experience. How was it? How were you feeling? And what did I do to your life to own a. . Chris Sayre: Yeah. So , back when I bought my home, I remember that my rate was 10 and a quarter. That was the going market rate. I hope you refinanced that. I felt . [00:11:00] I did. I did. But it was funny is I thought I was so smart and so slick because I talked 'em down from 10.375 to 10.25, you know? So I thought, wow, I did such a good job, you know? Cause I knew nothing about nothing. But you know, that's what rates were when I bought my house. And then when I got into the business rates were actually at 7%. So they were still like right where they are right now. But I, you know, I felt, you know, thrilled. You know, I bought my house at a great price. Um, I think back then I bought it for like $134,000 and, you know, that house right now was probably gone up by six times. So I, again, I would say real estate's a great investment and, and just, you know, when I had bought my house, it was expense. So it wasn't like it was a deal. Um, so the market continues to do that. So all we have to do is like, look at our grocery store and say like, what was the price I milk before? And what is an hour? What's the price of gas? And what's the price Now prices go up. So whatever you buy at, you know, my wife has a great line about this. Stretch yourself. Stretch yourself because that value is gonna increase and you're [00:12:00] gonna be happy that you did. So as best you can, stretch yourself. Doesn't mean like put yourself in risk, but don't be afraid if a house is, you know, let's say 300. Don't be afraid to go to three 10. Don't be afraid. Afraid to go to three 15. You know, get, get the better home for you and your family. Get what you really want. Get what you are really gonna, you know, be happy with. And it's better to go a little bit above than to suffer yourself, because in the long run, your income and everything else will catch up and pass it up and it'll be an easy payment for you. Laura Moreno: It, It's so interesting you mention, I mean, we bought four or five years ago and, and the, the mortgage rate was a stretch. We were like, this is a little bit too much. Like, yes, we can pay for it, but you know, it's a stretch. And now with this crisis, I mean, rent prices have gone to the roof where we live. Yeah. And we are both so happy because her rent. 30% less than the, the rent price in this area. And we're like, Thank God we bought, because everyone else that we know is trying to struggle getting rent in a [00:13:00] nice place. So buy if you can, It's, it's, as you were saying, you may have struggled for a little bit, but it's going to be so much better for you and. And talking about communities and immigrants. I think it's so, so important to empower people that may not have their first language be English, or maybe the first generation buyers, because those are the ones that need it the most. Like what you were saying, you need that home. You want to bring people over. You need to create that space. Ethnic cultural space. Yeah. Like at my home, we speak Spanish like you . Mm-hmm. . You need to create that space. And if you are always, um, thinking that your rent is always going to be there, you know, you, you, you will have to move, uh, at some point and find a new place. Yeah. Yeah. Yeah. So, Chris Sayre: yeah. I, Can I give you a quick example of something, if you don't mind? Mm-hmm. , of course. So we have, again, I told you, five kids. So we helped, uh, three of our sons purchase a home, uh, one on his own and the other two together. And, you [00:14:00] know, they were all really scared and nervous because the payment was like $3,500 a month for the, you know, principal interest, taxes, and insurance. It was, And they never had such a bill. And so they, they've been out in their house for about a. And now they have friends who are looking to rent. So the friends rent for a two bedroom place in near their work is 3,800 a month. So kind of to your point, you know, rents are escalating. I mean, I've never in my life paid $3,800 for rent. But now they see that that rental payment that their friends are paying is more than their mortgage payment on their home. And they actually have. Laura Moreno: Yes, for sure. And if they want, they can rent their rooms out to their. Yep. Be like, Don't worry, I'll be a good friend. Chris Sayre: They're doing that actually already, so you'd say, You're right. Laura Moreno: That's good. Pay my mortgage. I mean, just people, if you're listening to us, jump on the side of the ownership because it is not, it is not going to get easier. [00:15:00] You know, it's just not going to get easier. And I feel like more and more corporations are going to be owning properties, and it's the time for you to become your, the protector of your money, you know, your own landlord instead of paying someone else's mortgage. So now let's go, let's, let's, um, go to our lighting round, which is, I'm going to ask you a series of short questions to help our audience even further are. , Chris Sayre: I'll do my best. ? Yes, Laura Moreno: I may. Great. , please share with us your biggest piece of advice you can give to TR to someone trying to buy a home in Washington now. Chris Sayre: Uh, so the biggest piece of advice I would say is, uh, get in front of somebody. Could be myself, could be anybody that you think is appropriate for you, but get in front of somebody who can help you determine how much you can qualify for. And if you can't qualify, what steps do you need to take? So what I would normally wanna do is I would wanna look at somebody's income. I wanna look at their assets, and I wanna look at their credit. And I wanna, cuz usually people wanna know, like, I make money, I have no idea [00:16:00] what I can afford. I have some money for a down payment, or maybe I can get a gift. What can I afford? So they need to know what they can afford. And then normally what I would recommend is if they're within 90 days of trying to purchase a home that they need to have all of their information given to an underwriters, we can get them underwritten ahead of time so that they literally are gonna be, you know, final loan approved before they ever find a house. So I would recommend get good information. Up front when you're within 90 days of trying to buy a home. If you're beyond that, then I think just giving a, a phone call or meeting with somebody like myself so we could just pencil out kind of a plan and then they could work towards that plan of hopefully getting home ownership. That's Laura Moreno: great. And two questions out of that. The first one is, uh, commenting on getting that, sorry. Coming, getting that, uh, pre, not, it's not even a pre-approval, it's going farther away. One step farther, Right. Chris Sayre: Yeah, so, So the ones that, Yeah, go ahead. What are the Laura Moreno: advantages of doing that? Chris Sayre: Yeah, so, [00:17:00] so a pre-approval, I can literally do the same day. So I can send somebody a link, I can fill out an online application, I can ask them to send me some income and asset information, and I can send them a letter. and the letter's gonna say, Hey, you're preapproved for this amount, and it's gonna be a perfectly valid letter. It's what we do in our industry. The next level above that is for an underwriter to physically review all of the information. And so what we can do is we actually can collect all the documentation, give it to an underwriter, and it probably takes, I don't know, 5, 6, 7 business days for the underwriter cuz the underwriter may have additional questions once you give inform. But then it's gonna be all signed off, final loan approved. All you need to do is find a house. So the difference is now you can, now you can close like literally in 12 days or 13 days, you know, um, on, on your mortgage, and hopefully by closing quicker like that, it makes it so, if there is competition, if there are other buyers who are trying to purchase a home, the fact that you can, you're [00:18:00] already. Done. You're already, your loan's already underwritten completely and you can close really quick, push you in a better position to actually get the home. So I would highly encourage taking that step. I think it's just a much, much stronger position to be in when you're negotiating with a seller. Laura Moreno: And that's interesting because not all lenders do that from the beginning, right? Like you are one of the very few lenders that will. , Chris Sayre: you're a hundred percent correct. Yeah, most lenders do the pre-approval, which again, like I said, it's, it's, it's a, it's perfectly fine to do that. But the next level above that is what I'm talking about. And you're correct, uh, almost nobody does that. Got it. Laura Moreno: And. How will you find a great lender? So if you are not in your area, in Seattle, listen is looking for a great lender. First of all, is it number one, to find a lender or find an agent? And second question is like, how will you decide on which lender to choose? Because sometimes we try to call and say, Hey, what's your rate for today? And we try to choose the lowest rate lender. But is that the right? To do that. Chris Sayre: [00:19:00] Yeah. So I, you know, again, of course rates are important. I care about rates for, for myself and my family, but it, it's, it's not the right way to do it. Um, it's not the right way because loans are much more than, you know, just quoting a rate over the phone. Rates are determined by people's circumstances. By, what's your down payment? What type of property are you buying? What's your credit score? And ultimately, you want the home. And like I said before, whatever home you purchase, you're not gonna have that loan very long. There's usually not a big disparity on rates, but I would be more concerned about having it be a stress fee, stress-free, low drama transaction. Then having a rate that's an A through a quarter point difference. You know, the main thing is to get the home. Then your family can kind of breathe aside, relief, move into the home, and then you can regroup and when it's appropriate you can look it to refinance. Got it. So I apologize. I know you asked another question, was another question I could answer for you. Laura Moreno: I think that was the main one. So the main one was, No, those were the two of [00:20:00] them. And the other question I have is like, so in order to find a lender, oh, you know, we have all these online lenders and we have also like, um, local lenders and those online lenders like better.com, Rocket Mortgage. I don't want to give out many names because Yeah. Well I don't want to give names, but, um, they count with a, Exposure online. Yeah. So we Google, I want to do a preapproval, and within one minute you have a preapproval from that bank online. Mm-hmm. . I mean, what are your thoughts about them? How do you differentiate and what is actually the best for first time home buyers? An online lender or a local lender? Chris Sayre: Uh, you know, I'm a, I think it really just goes by experience. So if, if I were looking for a lender, I probably would go online to like Zillow. Redfin and they have, you'll see reviews for people. So it's like when we go to our restaurant and we tend to go to our restaurant that has good reviews, or if we're gonna stay at a hotel on vacation, we look up to see what the reviews are. I probably would look at reviews for people, [00:21:00] you know, because I think I, I like knowing that other people, uh, have kind of, um, Yeah, you have given good opinions about something and it, it makes me feel a little bit more comfortable. And of course, a referral is always the best. So if you have somebody that you know, that you respect and you admire that has a home and they use somebody, I probably would ask them, you know, because I think referral probably is my number one way. And then probably online would be my second way to. Reviews online for people. Like for me, you type in my name and read my reviews, right? So you can do that. But you know, I think either one of those two ways reviews online or a referral from somebody you trust and know. and Laura Moreno: between having a local lender and a, or an online lender that could be not in the same town, what, what are your Cho mm-hmm. your, your, what are your options? What would you say? Chris Sayre: Um, um, I'm, I'm not so sure that, cuz we're a virtual world right now. I mean, I'm in Seattle and I think, Are you in New York? Cuz I, Yeah. Yeah. We're. We're like the other side of the world, but [00:22:00] it's like, you know, we're right with each other. I don't think it really matters. Like I can do a Zoom call with anybody. Uh, anybody else could do the same thing. I think it's more this, this trust factor, this integrity factor that we're talking about. I think that's what really matters. Local or far away? You know, I, I haven't really sat with a client and almost three years. Um, I do everything online so they could. Somewhere else, like in any state where they could be, you know, my neighbor next door and I still don't see them, you know, because we do calls like this. So I, I think that it's the person and the company and the integrity of the individual that matters more than their location. Laura Moreno: What, what is the process with you? Like, if I'm interested in buying a home in Seattle and I'm looking to get a mortgage, uh mm-hmm. , what is the process, uh, specifically for you? Like, what would you tell me? . Chris Sayre: Yeah. So normally what we would do is we do a call like this out there on my cell phone, or we would do a Zoom call. Okay. And [00:23:00] before I do anything, I try to, I'm a big picture kind of person, so at first I just wanna understand what they're thinking, you know? So I don't know if they're looking to buy like an. 12 months or two days. Um, so then I, I tried to understand, uh, their timing on things, um, their income. They're asked all of these things and kind of review and kind of talk us through and come up with a plan. And I, I normally say the same line that I said earlier is that I think once they're within a 90 day window, That's when it's time to start pulling credit and do things like that when they think that within 90 days of point or purchasing a home. But if they're just trying to understand, Cause a lot of people just wanna know, like, I just don't get it. Like, I don't understand, you know, what can I even afford? What should I even do? So that's where I just, I just give them some counsel and I, and I basically will email them. You know, like my contact information, I'll send them a list of what we're gonna need, um, when they're ready. So like, people have to gather things cuz we'd all all have pay stubs and W2 s maybe that are, you know, easy access so they can start gathering that together. And then I coach most, so like, don't make big purchases, you [00:24:00] know, don't make sure you're not late on anything. Don't co-sign for anybody else. Don't move money around between accounts and make, you'll make it more difficult on yourself later on. So what I try to do is to guide them to kind of put the brakes on everything. Let's get this plan for you to purchase a home and make sure now you start doing things the way a lender's gonna review things to make it so it's simpler and easier for you once it's time. Laura Moreno: And what have you seen? The last question, I think it's a little bit related to this. What have you seen are the biggest, biggest mistakes that home buyers make and how can they avoid them? . Chris Sayre: Yeah. So some of the, the biggest mistakes they make is when they're trying to prepare to purchase a home, a lot of times they will close an account cause outta a windy debt, right? They're afraid of it. But the way credit works is that if, let's assume you have like an account at a bank and that it's a credit card and that credit card you've had forever, but you really don't use anymore. The truth is that credit card, because it's your oldest liability, actually improves your credit score the most. And when you cancel that [00:25:00] card, you run the risk of your score dropping like a rock. So I would say . So normally my normal line is. Stop, freeze. Don't do anything. Talk to somebody, get some advice. Let them coach you what to do and then do it. But, you know, sometimes people come to you and they've already kind of done all of this and you just, it is, it's what it is and you just deal with it. Um, but I, you know, we try to tell them, don't move money around in accounts. Let it be, you know, don't make any large deposits, don't make any large purchases, Don't do anything like that. Get the house first, then do the other stuff. So I think some of the mistakes I, I've seen, like I said, are, are, are this where they cancel accounts or move money around too? A chin, you know, don't change jobs in the middle of a loan or when you're trying to buy a home. You know, things that you would think that everybody understands, but they don't really, cuz it's not what they do for a living. You don't Laura Moreno: really, I mean, it's so funny because you, we don't know, we don't live in, I mean, I live in this world, but usually home buyers, we don't live in this, We don't know that we kind of go and buy furniture before closing on credit or open Macy's credit card. Just, we don't know about that. It's like, it's very, And that's the [00:26:00] other thing is like what you were saying, Closing an account because you want to make your accounts clean, you want to make them look nice for the lender, and suddenly your score drops like 50 points. Yeah. And you're like, What happened? It's so counterintuitive. . Chris Sayre: Yep. Yeah. Honestly, completely. Right. Uh, people tend to go to Home Depot, you know, and they buy a bunch of stuff, you know, because they're planning for their home. Like this is a really common thing. So we, I try to upfront to tell them, like I said, just before you do, Just give me a call and then I'll let you know. Kind of my advice would be to wait or to go ahead to go forward with it. You know, I've told people to hold up on my own cars or furniture, you know, because there's a, somebody's offering zero down on a car or zero down on furniture, and, you know, if they really wanna buy it, then we'll just deal with it. But if not better to wait. Laura Moreno: Better to just wait to buy the big things. Well, Chris, you've shared with us amazing information today. Uh, what can we do? Chris Sayre: Um, you know, I would love to help more people, you know, that's what I do for a living. [00:27:00] So I would love for anybody that has questions. I'm always happy to ask questions. It's not always just about business, you know, of course I do this for, to help my family and to help other folks out, but you know, I, I know that if you do it right in life, good things happen. So if people wanted to reach out to me, they're welcome to do that. If I can help them with a mortgage, I would love to do that. Laura Moreno: That's beautiful. And how can we get in touch with, Chris Sayre: Uh, my cell phone I've had forever. I have a son who's learned my phone number since he was two. Um, but my number is 4 2 5 4 4 4 7 3 7 3, so 4, 2, 5. Beautiful. 4 4 4 7 3 7 3. Laura Moreno: Yeah. Well, Chris, thank you so, so, so much for sharing your mission and your attitude to life and your well good faith and thank you so much for being on the first time Home Buyer Podcast. You are. Chris Sayre: Oh, Laura, thank you. You're just a beautiful person. I really appreciate it. Thank you.  

Introduction Randy Baruh is a real estate agent in New York City with over 22 years of experience. He enjoys a proven record of sales success and lasting relationships with the people he has helped over the course of his career. Whether they are looking to buy, sell, rent, or invest Randy's attention to detail and dedication to his client's needs have enabled him to consistently exceed their expectations. Randy enjoys exploring NYC restaurants, museums, and parks with his family, and is a member of Corcoran Cares, and the Real Estate Board of New York. Get In Touch With Our Guest, Randy Baruh 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 (Automatically generated, sorry for the typos!

Introduction Nirit Rubenstein is CEO of Dovly - the first, fully automated, smart credit engine. Nirit is passionate about helping Americans maximize their credit and reach their financial goals. Outside of work, Nirit enjoys exploring the hiking trails and other natural wonders of her adopted home in Arizona. Get In Touch With Our Guest, Nirit Rubenstein 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 Laura Moreno: [00:00:00] First Time Home Buyer Nation, I am Laura Moreno and I am super excited to bring you our fantastic guest today Nirit rubenstein needed is the CEO of Dovly. The first fully automated smart credit engine. Nirit is passionate about helping Americans maximize their credit and reach their financial goals. Outside of work Nirit, enjoys exploring the hiking trails and other natural wonders of her adopted home in Califor in Arizona. I dunno why I thought you were in California. Why not? It's where I can came from. Are you ready to flow? Nirit Rubenstein: I'm ready to flow. Let's go. Great. Laura Moreno: So I've given our community just a little insight. Please share more about you personally and then expand upon your business. Sure. So I am the co-founder and CEO of Doley. Uh, I'm also a wife and mother of three kids and proud homeowner of my adopted hometown of Phoenix, Arizona. I immigrated to the US as a young girl and witnessed firsthand how hard it was for [00:01:00] my family to get started in this country without access to credit. So super passionate and, and excited to be here. I know owning a home is kind of the American dream. Uh, I, I love it when we're able to help people, uh, achieve that dream. That's awesome. I mean, uh, first time I went into Dole's website, I was like, Wow, this is so cool. Tell me more about Dole. What do you guys do and what is the original story? I mean, why do you come up with that idea? Nirit Rubenstein: So it's in, So Doley is the fully automated credit platform that helps people track, manage, fix their credits. So regardless of where you are in your credit journey, we want there to be an easy way for you to get to where you're trying to go, because the reality is that there's nothing in America that will impact your financial ability more than your credit score. But at the same time, it's a complete black box. [00:02:00] Very hard to navigate. It's counterintuitive. It's very punitive. Uh, so the first idea for Doley originated actually when I met my co-founder for the very first time. And we were having lunch and I was the CEO of, of this credit, uh, uh, repair company, and I met him for lunch and I was like, Oh my God, this guy is so brilliant. He knows everything that you need to know about the consumer credit space. I have to get his brain into technology. There has to be a better way to deliver. This amazing service to customers and, and that was the very first concept. It took us a while to kind of start the company and, and develop the platform and the algorithm. Um, but really what we try to do is provide access to Americans that either have been hurt by this, by the credit system, didn't understand the credit, uh, don't understand kind of how to navigate it, uh, to help them achieve their financial. That I, Laura Moreno: [00:03:00] And what you're saying, this a story, I mean, it re resonates so much with someone that I, I met, uh, this girl, I always looked up to her. She was just buying her first home. She had everything all together, you know, So, and then when we were talking about buying her first home, she said, You know, I haven't been doing it, although I have the savings and so on because of these credit card from Macy's that I. 10 years ago, and I forgot to make a $50 payment. Mm-hmm. , I'm screwed for the rest, for the rest of my life. Right. And I was like, really? Like she, she had everything, the job, the money, everything. But there was this Macy credit card. Uh, tell me more about that. Like is there a way of fixing that or you're in the whole time. Nirit Rubenstein: No, you're, you're definitely not in the hole forever. But they don't, the credit bureaus don't make it easy to fix. Uh, and so you can easily get caught in the loophole of the credit bureau saying it belongs to the creditor. The creditor saying it belongs to the credit bureau. And then you get stuck in this kind [00:04:00] of never ending circle of. Not getting answers. That's part of what we, uh, why we founded Doley. We navigate that entire process for you. So when you enroll in Doley, we soft clear credit and we. Show you the items that are hurting your credit score, and you tell us which ones you want us to dispute. And then we've developed an algorithm that will determine what to dispute, when to dispute, how to dispute the right frequency cadence, and then we electronically communicate with the credit bureaus on your behalf. And so our, our turnaround rate is, is fairly quickly even though the. In by law I have 45 days. We typically see results for people within a couple weeks, uh, and usually within just a few months of being on our platform, people see their score improved by over 50 points. So, You're definitely not screwed forever. Uh, there, there is a way to fix it, but it can [00:05:00] be a very frustrating way, and that's part of the problem with the system, right? You have college students, you have people going off to college that were never taught about credit. All of a sudden, all these credit card companies are trying to get them, Do you wanna open a new account? Do you wanna open a new account? Get this incentive, this bonus, this. They open the accounts. They don't realize. Importance of, of the accounts. They forget to set it up on auto pay. They accidentally miss the payment, and then it's on their account. Then 10 years later, seven years later, they go to buy a house cuz they're married, they're making money, and, and they, they can't because they have bad credit. And so the irony is, even if you have cash in the bank, if you want a mortgage, you need good credit. So in some way, like we have an investor who has. A lot of money and couldn't get a mortgage because he had bad. Even though he has like millions of dollars fitting in the bank, Laura Moreno: were you able to fix their [00:06:00] credit for them? We were, we were that. Okay. So tell me more about, uh, the industry, because whenever I'm thinking about about credit repair, I'm thinking about imagining this Facebook groups, these places where they just sell you, you know, this person that is going to help you fix your credit for a hundred dollars a month forever, like, There's a, I think this industry has attracted a lot of people that are looking for cash that may not be the best professionals, and I don't want to generalize for everyone. Nirit Rubenstein: No, you can easily generalize. It's a, it's a horrible industry with a lot of bad actors that, that really take advantage of consumers that are already kind of, you know, not doing well. That's again, another reason why we founded Doley and, and our mission at Doley has always been to be consumer first. The. The problem with credit repair, and this is why we're not credit repair, [00:07:00] we're really a credit solution to fix all your, to help you with all your credit needs. But the primary issue with credit repair is that if you do it on a regional scale, there's very low barriers to entry. In other words, anybody can set up a credit repair shop right now, charge a ton of money, and, and they'll go under the radar of regulations when you do it on a nation. Scale, it becomes a, the bears to entry are, are much, much harder. And so there's fewer companies that do it nationwide. They're all call center based, which means they buy millions of leads. They pu put 'em in a dialer. You've got call center reps that have no business giving you credit advice. They're, they were selling like widgets the day before and they're the ones that are on the phone with you trying to sell you this ridiculous hundred. Dollars a month's plan. And so for us with Doley, we wanted a, we always wanted a solution that was gonna be very cost effective. We [00:08:00] started our, when we very first started, we were. A third of what anyone else was charging in the marketplace. We've been gradually reducing our prices and we now are, I'm happy to say, have a free offering for people who just can't even afford to pay anything and want to start. Their process takes longer than our paid plans, obviously, but it's, it's so great if you, if you wanna try the solution and, and or if you don't have any money. Um, for people looking to buy a home, we do recommend the the paid plan. Which for most people is still $30 a month, or we have an annual plan for a hundred dollars a year, which is like the best deal you'll find in the space. That's Laura Moreno: amazing. I mean, I, I love that because, um, it's funny, when I came to this country, I didn't want, I didn't have any credit, which was like 10 years ago. And my husband said, You need to have a credit card. And I was like, Oh, no, no, no, no. I'm allergic to credit cards. I will spend it all and get in trouble. I don't want any, anything [00:09:00] to do like that. But in America you need to have credit. Um, the same thing happens. Hispanics and a lot of pop like immigrants like me, we don't want to have credit because we cats consider cats. We like cats. Yeah. I dunno. Israelis also. Yeah, yeah. Big time. We just want to pay debit. Nirit Rubenstein: They, Yeah. Yeah. They pay debit. Israelis get, they get, they get into, To debt on their debit cards. But it's, but they don't, they don't spend, they don't rack up tons of money on, on credit card bills. And that's why I'm saying like the system is counterintuitive. If you're the type of person like you just described, which I am as well, I don't want 10 credit cards open, just sitting there with nothing cuz that's responsibility. But if I close those, It'll bring down my credit score. Why? Because I'm reducing my overall credit utilization, which is what all of these uh, institutions give me as a line of credit. So let's say I have [00:10:00] three credit cards. Each one is giving me $5,000. My line of credit total is $15,000. The higher that is, the better off my credit score will be. The lower my percentage of youth, the higher my credit score will be. So ideally you want a big maximum that you can use, but you wanna use below 10%. There's thresholds, so below 30%, uh, below 50%, 30%, and 10%, it's the third. It's the 10 30 50 rule. So each one of those gives you a bump in your, in your credit score, and that's add another, another problem with credit, if you pull your credit score. Even though I like, I pay my credit card bill in full every single month, but if I pull my credit score right before my bill is due, even though I pay it off every month and two days later it'll be zero, my credit utilization will be up and my score will actually be lower. So [00:11:00] very counterintuitive, like lots of. Kind of things that don't make sense in, in the world of credit. Laura Moreno: I feel like, I feel like, you know, they give you credit cards and they give you like 10,000, $15,000 to spend and, but they tell you, they don't tell you this because obviously they're making money. If you spend all the money and then you don't pay back. That's when they make like those 25% interest rates. Right, Right, right. So you are supposed to know that this is a temptation, but you're not supposed to touch it . But you still have to have the temptation in front of you not to buy this handbag that you want to buy because it's on credit and blah, blah, blah, blah, blah. Right. Which is crazy to me. It's like, ah, no. Yeah. So tell me about your most impressive accomplishment Nirit Rubenstein: in my life. Um, well, Uh, that's, that's tough. Um, I mean, as the mother, obviously having children is, is I think, the, the best, uh, accomplishment. But, um, but in my [00:12:00] professional career, I actually think joining the, the Army was, was the very big, uh, character builder for me. Um, I think for the first time in my life, I, they put you in the, you know, when you join your, when you're in, uh, boot. You, you're all together in this big room, you're all wearing the same clothes, and it doesn't matter if you're black, white, brown, rich, or you know, background. It's like all of a sudden the whole playing field is the same. Everybody's on the same playing field. And uh, and it's very humbling. It's a very humbling experience and, and I learned a lot in terms of a good leader. Um, Being a teammate, the, the important camaraderie and collaboration, uh, teamwork. And I just, I think that that helped me significantly throughout my, my career. Laura Moreno: That's amazing. I mean, I thought you were going to say, Well, [00:13:00] I'm a three times mom. I'm a wife, I'm also a founder. M and then you said you surprised me with also the. The Army. I was like, Whoa, you're a superwoman. . Nirit Rubenstein: Yeah. No, I, I really enjoyed the army. I think it, it, it build, it helped me be who I am today for sure. Um, but I've been very fortunate. I mean, I have a lot of accomplishments that I'm proud of and a lot of, you know, when I think about companies that I've worked for, I worked for Salesforce before they went public and. That was Wow. Like, talk about career experiences once in a lifetime. You know, It, it was an amazing company to, to be part of. And so I've been, I've been fortunate to work for some really good companies and with some really good people. Laura Moreno: Wow. And, uh, you, you share with me like, um, on the most impressive accomplishment you share with me a very nice video of a woman going through how she changed her life around. Could you tell us more about that? Nirit Rubenstein: I'm [00:14:00] trying to remember which, which video Laura Moreno: you're, you're, It's like an Instagram reels from this woman that Nirit Rubenstein: Oh, from that Carney who bought, Who bought a home. Yeah. Laura Moreno: And you can see the two kids before, like the, the kid and her, and. . Yeah. That Nirit Rubenstein: was, that was, uh, one story. I mean, we've, we've many stories like that. Um, but McCartney is, is someone who found out about Doley, um, had quite a few items on her, on her credit. She was trying to buy a home for a very long time. Uh, her mortgage broker told her there was no way she was gonna get into home at least for another 10 years, given her credit. What was Laura Moreno: the credit? Was it like really horrible? Nirit Rubenstein: It was like in the five hundreds. Yeah. Um, and, uh, you know, we, we worked methodically. She was a member, uh, I think within less than nine months we cleaned up her credit and. [00:15:00] Uh, she, she was able to get a home and her mortgage broker said, I can't. What did you do? Like, did you wave a magic wand? How did this happen? Um, and, and she was so passionate about our product. She actually reached out to us and asked us, Hey, can I do a testimonial? I wanna get this product out to as many people as possible. You guys really helped me. Um, so, you know, she had. She had the American dream of buying a home. And, uh, we were able to help her make that, I mean, I, I always say help cuz I don't, we we don't buy the home for you, right? You have to want to do it yourself. Like you can only lead a horse to water. You can't make them drink. Right? We are there to help you and make things easy. Um, but the, our, our success stories are always people who are committed themselves to making it happen and to put in the. Laura Moreno: Awesome. Well now Need it. Need it? Need it. Sorry. Let's take a quick second to thank our sponsors. [00:16:00] Sure. Welcome back. Now I'm going to ask you a series of shared questions to help our audience even farther. Are you ready? I'm ready. Please share with us your biggest piece of piece of advice you can give to someone trying to buy their first home. Now, regarding their credit. Nirit Rubenstein: Well, first of all, know what's on your. Uh, enroll in a service like ideally Doley. Uh, understand what's on your credit. Start the process earlier than you think because it's not an overnight process. So understand how to get your credit score up either by removing items, getting your credit u utilization down, adding additional, uh, items that can help you improve. Becoming an authorized user on somebody's card could really help. So we have a lot of blogs on the topic. You can just go and get the education for free, but really understand how you can maximize your credit. Because the difference in a credit score of just [00:17:00] five at like just 20, 30 points can be significant interest difference, uh, when you're looking to buy a home. Laura Moreno: Got it. And what have you seen are the top mistakes people make regarding their credit and especially, you know, first time home buyers? Nirit Rubenstein: Uh, the. Very easiest mistake people make is they forget to pay their bills so they don't set up autopay. So set up autopay on everything. As soon as you open up a new account or line of credit, immediately set it up on autopay so that you, you don't forget. Um, and in general, don't go opening up a million lines of credit. Because you, you can also get dinged by having too many hard inquiries. And so be super thoughtful about additional accounts. You're gonna, you're gonna add to your credit history. I, I Laura Moreno: remember actually going to Century 21, uh, one month after having arrived for America, or maybe [00:18:00] a few months later. And I, you know, those offers, like you get 10% off if you sign up for a credit card. So I did sign up for their credit card because I had bought like $400 and I was like, Oh, this is $40, right? And I came back and I told my husband and he said, What do you do? No. Mm-hmm. . And then like a couple of weeks later, my credit was like a hundred points down. Mm-hmm. . I was like, What? But I, I had paid like the thing, it was like the reputation of that credit card. How does that even happen? ? . Yeah. Nirit Rubenstein: Yeah. It's crazy. It's really crazy. It's, it's very, it's a very punitive system. It's like, trust. I always say it's like trust. You can be perfect for, for many years. You make one mistake and you're, you're shot back down to, you know, very Laura Moreno: low score. Now, every time I look at those credit cards, I'm like, Nope. Never again. Nirit Rubenstein: Nope. No. Thank you, . Laura Moreno: No, thank you, . [00:19:00] Yeah. We needed, You've shared with us amazing information today. What can we, our audience do for you today? Nirit Rubenstein: I mean, look, we really are on a mission to help as many Americans as we can get ahead financially. Um, the, the best thing you can do is download doley, start using it, and refer it. As many people as possible, just get the word out there that we exist. Cause we really do want to help as many people as we can. We're extremely passionate about it. We're a very, very mission driven company. Laura Moreno: I can, I can hear that in your voice and I love that so much. How many users you have now? I mean, you're a massive company today. Nirit Rubenstein: We're, we're getting there. Um, we have a couple, We've had, uh, about a hundred, 150,000 users on our platform. Laura Moreno: Yay. Congrats. I love that you being a female founder also. I mean, yay. Yes, Nirit Rubenstein: Yes. Thank you. Laura Moreno: Well needed. Thank you so much for being in [00:20:00] the first Time Home Buyer podcast, and let us know again if there's something else we can do. Thank you again. Thanks, Nirit Rubenstein: Laura. I really appreciate it. Again, encourage everyone to enroll in in Doley, D O V L y.com. Fantastic. Thanks for the podcast. Appreciate it. Thank you.  

Introduction Margo Christophilis is a Managing Broker in Seattle, Washington who loves to help people get into their first home. When she is not working she is dancing and doing crossfit. Being with family is also very important for her. Get In Touch With Our Guest, Margo Christophilis 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!   Transcription Margo Christophilis Laura Moreno: [00:00:00] First, I'm S Nation. I am Lara, and I am super excited to bring you our fantastic guest today, Margo Christos. Margo is a managing broker in Seattle, Washington, who loves to help people get into their first home when she is not working. She is dancing and doing CrossFit. She also loves being with her family, including hate, Her eight year old grandson, Alejandro. Margot, are you ready Margo Christophilis: to. I am ready to flow. Good morning everybody. Laura Moreno: Grace, I've given our community just a little insight. Please share more about you personally and then expand upon your business. Margo Christophilis: So basically I have been in the business 17 years and I have helped many people. We help, uh, between 4 45 and 50 families a year. Uh, first time home buyers are very important to me, very close to my heart as everything is a process and people want to not fear, they want to understand the process. So, um, out of my [00:01:00] 17 years, I've been down at Keller Williams in Greater Seattle, but I do it two and a half hour radius, so don't worry. We help everybody and we're just here to make the process easy and get people into home ownership and building that equity instead of paying somebody else's. So tell Laura Moreno: me more about helping First. I'm home buyers because, um, I am reading right now a book called The Millionaire Real Estate Agent that says, if you want to be successful, focus on sellers. And, and this is why I, I, in my opinion, it's hard sometimes to find really good real estate agents that. Work with first time home buyers. Tell me more about that. Do you agree with that philosophy or, Margo Christophilis: I mean, I don't agree with the philosophy. You know, if you look up Gary Keller with Keller Williams, he's written three books, um, and one is the Red Book and then the Shift, and then the one thing concentrated on one thing. With that, I am considered a a mega [00:02:00] agent, which means I help both sellers and buyers. I don't think you. You know, do that to people and, and, and just try to do one side of something. Everyone is important in their own way. Yes, sellers are important, and you do open houses, and then you bring in buyers. But at the same time, I'm committed to reaching out to people, like on a show, you know, a podcast like yours, lada. And really meet people and teach 'em the way. So they decide, do I wanna buy? Am I ready? What does it look like? Um, it's scary for people. So I, I don't agree with that. I, I love helping everybody. I do Laura Moreno: both though. That's awesome. No, and I always say that. First time home buyers are the best people to work with because we end up sending you our friends and family doing more business with you. So it's like the long term clients, we, we just need some education. I'm talking about education. Tell me, tell me more about how do you do that in your team? Like how do you educate and empower your client? [00:03:00] Margo Christophilis: So we do several things. One, we teach, um, these home Advantage classes that are with Washington State, and I know every state has their own. Ours, it's called Home Advantage, where there is programs that are affordable for people if they don't have a down payment. They have to fit into a criteria of what they make, whether it's single, you know, two people with the, you know, a child, how many people, and they, they, this county goes off that, the counties in Washington and we teach people a five hour class. Um, what to look for, and we'll talk about that in all these processes. And then we match 'em with the lender that we're speaking with. And if they choose to work with us, we help 'em through the whole process. The other way is people come to me online or on Zillow. Um, I'm actually having some of my clients that were referred to me for dinner on Sunday at my house. I mean, I, I take it seriously and I fall in love with my clients and, and they're, they're family and clients for [00:04:00] life. Laura Moreno: Um, I love that the, I fall in love with my clients. I've never heard any agent inviting their clients to have dinner at their home because your home is such a personal and sensitive place. Like I love that. And I love what you said about I fall in love with my clients. Oh my God. Like, do you have any, do you have any specific, like example of like a relationship that kind of like went far above the, the professional relationship with any of your. Margo Christophilis: Absolutely. So I have my first Zillow clients from 12 years ago. Um, Laura Moreno: I'm sorry, what do you mean when you say a Zillow client? What is a Zillow client? Margo Christophilis: So I'm a preferred agent on Zillow, and people will come to areas and they'll see me and they'll call me. Zillow to see homes or to find out about the process of buying a home. And these particular client's, husband and wife, they found me on Zillow 12 years ago. They had an agent that [00:05:00] wasn't treating them well. Hmm. Um, they're both, they're from Mexico and they're amazing human beings. So, long story short, I've helped them with three homes. I've helped six of their family members, and I am now the godmother. They're two adopted small children. So you know it, It's important to trust, right? They trust you, but you have to trust them and you build upon that. And I'm not saying I'm gonna come into everyone's home or bother you after a transaction closes, but I'm gonna touch base. You're gonna hear from me quarterly. I wanna see how you're doing in your home. How can I help you? Do you need to manage a new bathroom? What do you need? Why? How can I be of. Laura Moreno: I love that so much. So I want to touch upon two things. The first thing is, um, let's talk about the experience about working with Zillow agents, because I've heard so many things like, um, usually you pay a fee to be in Zillow and then Zillow sends you clients, but then I've heard of agents maybe not showing up or [00:06:00] new agents being advertised. There. I'm giving the best experiences to clients, but then I hear about you, you know, an amazing agent that is there. Like how can we really judge an agent and how can we really work with a great agent? . Okay, Margo Christophilis: So with Zillow, we do pay to be preferred agents and I have been on there 12 years. What happens is you'll go to an area and it'll show my face in a, in a couple of those areas. When you reach out to someone like me, you should ask, um, do I work full time? What are my hours of operation? How am I successful with my clients? And you should expect a meeting from me so I can give you my buying book that I've created for everyone and that I update every four months. And we're gonna go through the process of stepping into a property. We're gonna go through the process of what it's like to go to an open house and to be really careful because if we are bonded and [00:07:00] we're working together, sometimes you get misled as a first time home buyer, you sign in and. Agent on site for the listing. They're trying to get business too. They're trying to do this, but you should always have your own agent that you hand picked, because those people, no matter what, they're working on the seller side and buyers don't understand that. So we go to open house and I tell people, We're going to pick the house you love. I'm not picking up for you. I will know when you go into the home. Don't wanna leave and it's our 15, 20 minutes in that home are up and you wanna take pictures and look around. I already know that. Then we go and we have a discussion. I have you look on the internet. You know, to make sure that's where you wanna live. I tell you to drive to your job so that you're not away from your loved ones too long. I want you to know what's going on when you make that kind of a choice. And then we start talking about the offer and what that looks like and why, and what the market value is around that [00:08:00] house. Right? And as we write the offers, I always let people know we might not get the first one. We will get the home that we are meant. That's the home we're gonna get. And I've not had anyone say, I'm still thinking about the other home. No. They're like, I'm so glad we found this home. And then we work on, the lender takes over and, and then the, through all of that, I always tell people, Please do not hire moving vans, carpet cleaning, anything. The day of closing, because in Washington right now, sometimes things don't record at the county. So let's say it goes through the lender and all the, the loan funds, sometimes it doesn't record cuz they're so busy till the next morning. So don't make any of those calls until I hand you your keys. And the reason I say that is because here in Washington we don't give people keys till it closes. Let's say it's five hours before closing and you go in to clean the oven and you light your sleeve on fire and the house burns down. You have no insurance on that house. So I don't let [00:09:00] people step into their property till they own it. Yeah. Laura Moreno: Got it, got it. Wow. Okay. So what you're saying is like, make sure you interview that agent and make sure you are giving the service that you deserve. Kind of like what you were saying about, um, meeting up, talking about the process, talking about where we going to do, like, establishing the expectations and educating buyers. Uh, I absolutely, instead of just like showing up somewhere, showing a house and then , and then that's about it. Margo Christophilis: I mean, there has to be a strategy la there has to be a strategy for people from start to finish, otherwise they feel lost and you haven't done your job. Laura Moreno: Yeah. And I've, I've gone through that in my in my own experiences for sure. And then the other, the other question that I have for you is, um, We know that when, well, we not, not all of us know that, but actually what you want to get with a new, um, with our client, with a realtor, sorry, with a real estate agent, is establish a relationship with someone that is going to be a lasting relationship [00:10:00] that is going to keep on adding value to your life. And to that questions like what do you do to keep on adding value even after you've closed the home? Margo Christophilis: Okay. After we close, we, um, obviously. Ask for a review just to make sure that everything went well. Um, they get a newsletter every month. They get a phone call, if not every other month from me, quarterly. They get a gift quarterly in the mail from, um, I love that a company called, Yeah, Client Giant. And they're cute things Like this month it was these games and some of my clients send me a picture, We're gonna play this game now. It's starting to rain, not, and we're gonna be inside. So I always try to touch 'em and we try to do two client appreciations a year. Laura Moreno: Mm. I love that. I mean, I love those client appreciation events and those presents, like, why not? If you're going to work with an agent and you're not going to pay anything for that agent, why not getting the best one that also invites you to parties and sends you [00:11:00] presents? I, I'm, I wanna say I'm a sucker for all that Margo Christophilis: Yeah. I love, I just do for people what I would like someone to do for me, you know? So, Laura Moreno: That's awesome. So tell me more about, um, the, the main message that you want listeners to take away from this episode. And, um, you said something that is, it's okay. Scared to be, It's okay to be a scared of the unknown. As a professional, you are always there to answer any questions. So tell me, uh, do you have any experiences with any situations where people were really scared of what was going to happen and you came in there to help? Margo Christophilis: Um, yeah, there's, there's always situations, like I have some clients right now that are past clients and I'm friends with their parents too, who live in a different state, and the dad is a agent over there and they've chosen me. to help their family in Washington. And basically we were, you know, in a property the other day, we stay long enough to check everything out. We talk about what's going on outside in this particular [00:12:00] property, they might start building a home. So when you see the fence and you go to the basement part of this home, you can see the the dirt. And so I always tell them we would want an inspection. We wanna make sure, even though they did a beautiful job remodeling, that this won't have water intrus. But I said that's what insurance is for. I will tell you not just what you wanna hear, I will tell you what could be, what may or may not be. But at the end of the day when the gal called me the next day, we talked about the fear of rates. We talked about the fear of somebody building a house. You don't know when you buy a home, what neighbor you're gonna have, cuz you could go knock on the doors and pick your neighbors. They could move next month. Same thing. Someone could tear their house down and build. You, you try to not fear the unknown anymore because you know that it's a positive to buy a home and to build equity, you need to more concentrate on yourself and does this feel like home.[00:13:00] So that's what I would say. Talk everything out. Talk to your family, talk to your agent, talk to each other, and you'll know if it, you really want to live there. All the other challenges, we can work. Got Laura Moreno: it, got it, got it. Yeah, no, I mean, you have an amazing experience. Do you guys, tell me before that you were building your own home? Are you doing that right now? Margo Christophilis: We, we are, We haven't broken ground yet. It's, it's, um, it's just like being a doctor. When you're sick yourself, you learn a lot different things. So we're learning patient. We're learning, why aren't those building permits done? So yeah, we are building here in Washington on a beautiful last piece of acre in a specific area up north, and we're very excited to, to do it our way. Um, and if I'm ever invited back, we can talk about land and what that looks like cuz I do get lots of calls this past couple of years where it's hard to get a house cuz there's 20 offers and people think they're just gonna build, but there's [00:14:00] so much to building and you need to, That's another thing I just want people to be aware before they get into project. Laura Moreno: So you bought the land and you hire a contractor, a builder to build in the land? Yep. Margo Christophilis: Yes, I have stopped for. , were Laura Moreno: you ? So were you stocked the builder? Is he not like dying to have your business? Margo Christophilis: Well, I stocked. He is, but I mean when, when I say stocked, it means I watched him build for the past six years, like walking or jogging in the neighborhoods cuz he only does specific areas. And I saw how he built and then I met him through our. Um, they, he came highly recommended, which I would recommend to anybody who's building, and we met with him, brought my dad with, did all of that. We've been to his home. We've been out to dinner with him, and really we've been, they've, the architect has done our project and sketched it, and now they're doing the final permitting so that we can break ground next month. Laura Moreno: Are you, I mean, tell me about your feelings [00:15:00] because you are a realtor and you've done this many times in your own homes, but now also with clients and now you're doing it again. Like, how are you feeling? Are you like, totally cool, like, I've done this hundreds of times, or no, Margo Christophilis: I, it's made me appreciate my clients even more. We feel lost, my husband and I, cuz all we do is help people. We make solutions, we make things happen. Now I'm waiting for somebody else to control my destiny on this home we trust. But also the rates are high. We're gonna participate in that high rate . So, um, although I know. What, how this works. I don't know. Some of the intricacies, I'm not a builder and so I am learning, like I said, how to reach out to my clients who do want their next home to be, you know, starting with a, with land and explaining to them, Hey, I'm not gonna turn you off to it, but I'm gonna tell you kind of how long it's taking and what to [00:16:00] look forward to. Laura Moreno: How long is it taking for you and what have you learned? Margo Christophilis: So we bought the land. August, the end of last August, right after my birthday. Happy birthday to me, . And we've been talking That's a good present. Yeah. Yeah. And we've been talking to the builder and the architects. Um, Since then, and now we're almost the November and they said we're gonna break ground in June, then July. And then, you know, I'm like, I really wanna have next year, my 60th birthday in my house. Not gonna happen maybe Christmas. So it just takes time. Why do they, Laura Moreno: why do they have to wait until June, I suppose? Margo Christophilis: Well, we'll start in November, but I mean, in June they said, Oh, we're gonna start soon. Oh, in July we're gonna start the never. It didn't happen. You just again, don't. Expectations, , . Pick, pick the right land, pick the right builder, pick the right bank, have your [00:17:00] money ready. And because it, it's gonna be a, a, a process. Get ready for the ride. That's what we've been doing. Laura Moreno: So tell me, um, last question. Tell me more about the market today. What are you seeing in Seattle? And if I am a first I'm home buyer in Seattle now, like what can I expect and how can I position myself in a very strong way to buy a. Margo Christophilis: Okay. That's a great question. So again, it's best if you have an experienced agent. And an agent that also knows a lot of other agents, because all as peers, we work together and if you have a good name out there, that's gonna get you further and it does get you further with your clients. So basically, Seattle has become a normal market. It is not a bad market, It's normal. So we still on in certain areas, might see two to three offers. Realistically though, we're sitting for at least 32 days. I have a listing that's gorgeous up in Edmond's. [00:18:00] Gorgeous. It should have been gone since June. This has not happened to me in years, and it's still not sold. So there's gonna be a few. Why isn't that gone? And people are being a little more nitpicky so you can go home and think about it for a couple days. Right. But then there's an area called Sam Amish where I was with my clients last Saturday, and we had three. To decide if we wanted it. And I just could tell my clients were scared and I said, This isn't the one. They loved it, but I said, You, you're not okay. I can see it in your eyes, making an offer in three hours. So we passed on it. Laura Moreno: And is, was it because the, the, the seller really had like many offers to make it, you know, many offers or they were just like, I don't Margo Christophilis: know. No, this the, the sellers went to a. They were not living in the home anymore. They're elderly. And the agent got a strong offer early in the morning and I said, Could you at least give us till the morning? And he said, I don't wanna lose this offer. So there was really only one or two other offers besides ours, but he wanted to [00:19:00] get it signed around. That was his deal as an agent. He said it was over asking, It's waving everything we're gonna take. Well, my clients don't wanna waive everything, especially in this market. If you're gonna spend a couple million dollars, you should have your inspections. Especially, it doesn't matter if it's new or old. I always say, Do your inspections. Laura Moreno: It's always crazy when people, when people, uh, wa their inspections. For me, it's like playing the lottery rate like. I know the market was crazy over the last couple of years, but making the biggest investor in your life and just not even having anyone to, to see if there's any big problem, and I'm just just talking about fixing the fridge. . I'm talking about a big a structure problem. Problem, Margo Christophilis: Absolutely. Well, and I watch people around and again, I love my peers and I, I. Everyone, I'm, I'm not ever gonna slam anybody, but in my 17 years, never once in this crazy market did I waive anything from my clients. We just got the next house and sometimes it took eight houses, but it was always the one they wanted. [00:20:00] I'm not gonna waive rights of people and I don't want that phone call that something didn't work out. They won't remember me in a positive way, and I've. W helped ruin their life. I'm not doing that. So I take, I don't do gray area, I do black and white, and we stay in our lane. Laura Moreno: Oh, I love that so much. So much. It's all about the clients and protecting them so much. So, Mark, have you share with us amazing information today. What can we do for you, our listeners in the podcast? What can we do for you? Margo Christophilis: Well, you know what, uh, this is gonna sound corny, but I say do an act of kindness. Just try to do an act of kindness and have, you know, grace for people that are, might be having a bad day. And if you're in the Seattle area and you wanna grab coffee or you wanna know about home buying or selling, reach out to me and gimme a call. I'd love to hear from you. Laura Moreno: And how can we reach out Margo Christophilis: to you, Margo? Um, my information is, my phone number is area code [00:21:00] (206) 963-5525, and my email. Margo, M a r r g o, M as in Mary, B as in boy, A as in apple@hotmail.com. Old school . Laura Moreno: Well, Marco, the Hotmail. Is there anyone else with ? Of course there are. Of course there are. I'm always amazed when someone gets like mark@gmail.com. I was like, How old is this person? How did I get that name? . Well, thank you so, so, so much for being the first I Home Buyer podcast.

Laura Moreno, Standards Lead in Industrial and Chemical Engineering at the NFPA, talks about the public input process for the NFPA 660 standard for combustible dust.

Connecting with Laura Moreno Albuixech (@balzararquitectos), Founder and Architect at Balzar Arquitectos based in Spain

How To Choose A Mortgage Lender: Questions To Ask A Mortgage Lender, questions to ask mortgage broker, what questions to ask a mortgage lender. Today I am going to share with you the top questions to ask your mortgage lender when buying your first home. I am going to be covering 17 questions that you need to ask your mortgage lender so that by the end, you are going to learn how to choose the best mortgage lender to work with you. So enjoy, sit back and relax! — HELPFUL TOOLS — ✅ Connect with a great home buyer AGENT or LENDER in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅ Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅ Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅ Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅ Buy or Sell your home in Brooklyn, New York using Laura Moreno as your agent → https://lauramoreno.com/hire-me/ — RELATED VIDEOS — ⭐ 10 First Time Home Buyers Mistakes - https://youtu.be/G0pkb1FvG5s ⭐ How Much House Can I Afford? - https://youtu.be/dAYEj1_5G_I ⭐ How To Find A Great Agent? - https://youtu.be/7F6LoQeCzaA ⭐ Top Questions To Interview Your Agent: https://youtu.be/nIGpPD05IQQ ⭐ Playlists - https://www.youtube.com/c/LauraMorenoCabanillas/playlists - DISCLAIMER - Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation.

Best mortgage lenders. Best mortgage lenders for first-time buyers. Best mortgage lenders near me. Today I am going to share with you how to find the best mortgage lenders as a first time home buyer. I am going to be covering: - Who are the best mortgage lenders for first time home buyers - How to choose a mortgage lender - How not to find a mortgage lender - How to find the best mortgage lenders near me (Zillow) - How to compare mortgage lenders So by the end, you are going to learn everything that you need to know to find the best mortgage lender so that you can relax when buying your first home.  So enjoy, sit back and relax! And if you like this video subscribe to this channel so YouTube will show it to more people — HELPFUL TOOLS — ✅ Connect with a great home buyer AGENT or LENDER in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅  Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅  Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅  Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅  Buy or Sell your home in Brooklyn, New York using Laura Moreno as your agent → https://lauramoreno.com/hire-me/ — RELATED VIDEOS — ⭐ 10 First Time Home Buyers Mistakes - https://youtu.be/G0pkb1FvG5s ⭐ How Much House Can I Afford? - https://youtu.be/dAYEj1_5G_I ⭐ How To Find A Great Agent? - https://youtu.be/7F6LoQeCzaA ⭐ Top Questions To Interview Your Agent: https://youtu.be/nIGpPD05IQQ ⭐ Playlists - https://www.youtube.com/c/LauraMorenoCabanillas/playlists - DISCLAIMER -  Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation.

Pre-qualified vs pre-approved: should you get pre-qualified or pre-approved? What is the difference? Today I am going to share with you what is the difference between getting pre-qualified vs pre-approved. I am going to be covering why you need to get pre-qualified and or pre-approved, what is the difference and how long it takes so by the end, you are going to understand what you should do first, either getting pre-qualified vs pre-approved when buying your first home. So enjoy, sit back and relax! And if you like this video subscribe to this channel so YouTube will show it to more people — HELPFUL TOOLS — ✅ Connect with a great home buyer AGENT or LENDER in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅ Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅ Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅ Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅ Buy or Sell your home in Brooklyn, New York using Laura Moreno as your agent → https://lauramoreno.com/hire-me/ — RELATED VIDEOS — ⭐ 10 First Time Home Buyers Mistakes - https://youtu.be/G0pkb1FvG5s ⭐ How Much House Can I Afford? - https://youtu.be/dAYEj1_5G_I ⭐ How To Find A Great Agent? - https://youtu.be/7F6LoQeCzaA ⭐ Top Questions To Interview Your Agent: https://youtu.be/nIGpPD05IQQ ⭐ Playlists - https://www.youtube.com/c/LauraMorenoCabanillas/playlists - DISCLAIMER - Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation.

First Time Home Buyer (2022) - 16 Strategies To Make An Offer On A House And WIN A Bidding War Today I am going to share with you how to make an offer on a house that will WIN a bidding war. I am going to be covering 16 strategies that will help make your offer super strong so by the end, you are going to learn everything that you need to know to WIN that freaking bidding war. So enjoy, sit back and relax! Strategies: 1. Build report with the listing agent 2. Learn why the seller wants to sell 3. Learn what is the interest in the market 4. Know the value of the property 5. Make sure you are credible 6. Write a personal letter 7. Buy it as-is with the right to inspection and the right to terminate 8. Offer free rent back 9. Offer above the listing price 10. Wave your appraisal 11. Use the escalation clause 12. Don't ask to contribute to closing costs 13. Submit your offer as soon as you can 14. Close as soon as possible 15. Look for FSBO 16. Don't have a buyers agent All the best! Laura — HELPFUL TOOLS — ✅ Connect with a great home buyer AGENT or LENDER in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅ Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅ Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅ Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅ Buy or Sell your home in Brooklyn, New York using Laura Moreno as your agent → https://lauramoreno.com/hire-me/ — RELATED VIDEOS — ⭐ 10 First Time Home Buyers Mistakes - https://youtu.be/G0pkb1FvG5s ⭐ How Much House Can I Afford? - https://youtu.be/dAYEj1_5G_I ⭐ How To Find A Great Agent? - https://youtu.be/7F6LoQeCzaA ⭐ Top Questions To Interview Your Agent: https://youtu.be/nIGpPD05IQQ ⭐ Playlists - https://www.youtube.com/c/LauraMorenoCabanillas/playlists - DISCLAIMER - Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation.

For Sale By Owner Zillow (FSBO) - How To Find A For Sale By Owner Near Me Using Zillow Today I am going to share with you how you can find a for sale by owner property using Zillow. I am going to be covering what is for sale by owner, why people do it, and how you can find for sale by owner properties near you in Zillow. So by the end, you are going to learn everything that you need to know on how to find for sale by owner properties in Zillow so that you can save money and access more properties. So enjoy, sit back and relax! — HELPFUL TOOLS — ✅ Connect with a great home buyer AGENT or LENDER in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅ Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅ Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅ Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅ Buy or Sell your home in Brooklyn, New York using Laura Moreno as your agent → https://lauramoreno.com/hire-me/ — RELATED VIDEOS — ⭐ 10 First Time Home Buyers Mistakes - https://youtu.be/G0pkb1FvG5s ⭐ How Much House Can I Afford? - https://youtu.be/dAYEj1_5G_I ⭐ How To Find A Great Agent? - https://youtu.be/7F6LoQeCzaA ⭐ Top Questions To Interview Your Agent: https://youtu.be/nIGpPD05IQQ ⭐ Playlists - https://www.youtube.com/c/LauraMorenoCabanillas/playlists - DISCLAIMER - Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation.

For Sale By Owner (FSBO) For First Time Home Buyers - How To Buy A House Without A Realtor Today I am going to share with you how to buy a house without a realtor finding a for sale by owner (FSBO) property. I am going to be covering what is a for sale by owner, why do sellers choose to do a for sale by owner, where can you find one for sale by owner, how you can protect yourself, what is the process, and when buying a for sale by owner. So by the end, you are going to learn everything that you need to know to buy a house without a realtor so that you can save a lot of money buying your first home and access more properties. So enjoy, sit back and relax! — HELPFUL TOOLS — ✅ Connect with a great home buyer AGENT or LENDER in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅ Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅ Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅ Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅ Buy or Sell your home in Brooklyn, New York using Laura Moreno as your agent → https://lauramoreno.com/hire-me/ — RELATED VIDEOS — ⭐ 10 First Time Home Buyers Mistakes - https://youtu.be/G0pkb1FvG5s ⭐ How Much House Can I Afford? - https://youtu.be/dAYEj1_5G_I ⭐ How To Find A Great Agent? - https://youtu.be/7F6LoQeCzaA ⭐ Top Questions To Interview Your Agent: https://youtu.be/nIGpPD05IQQ ⭐ Playlists - https://www.youtube.com/c/LauraMorenoCabanillas/playlists - DISCLAIMER - Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation.

First Time Home Buyer MISTAKES (2022) - 10 Mistakes First Time Home Buyers - First Time Home Buyer Today I am going to share with you the top 10 mistakes first time home buyers make. I am going to be covering all of the mistakes I've made plus the ones I've seen others make so that by the end, you are going to learn everything that you need to know to make a great decision buying your first home and avoid home buyers remorse! So enjoy, sit back and relax! And if you like this video comment or subscribe to this channel so YouTube will show it to more people. Mistakes 1. Follow in love with the home, not the block (story our home) 2. Underestimating expenses (to buy, to keep, emergencies) (story: repairs after buying a home) 3. Offering over asking not knowing consequences (story friend) 4. Skipping home inspection (story podcast) 5. Not getting a great buyers agent 6. Not understanding the timeline (it takes months!) 7. Buying just as an investment solely 8. Not being flexible 9. Buying sight unseen 10. Making an emotional decision — VIDEO — — GET STARTED — ✅ Connect with a great home buyer AGENT in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅ Buy or Sell your home in Brooklyn, New York using Laura Moreno as your agent → https://lauramoreno.com/hire-me/ — HELPFUL TOOLS — ✅ Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅ Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅ Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅ Listen To The First Time Home Buyer Podcast → https://lauramoreno.com/podcast/ Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation.

Today I am going to share with you how you can easily calculate how much house you I afford so that you avoid becoming one of the 17 million households in America that cannot go out for dinner because are spending most of their money on their home. I am going to be covering why do you need to calculate how much house you can afford, what you need to be careful about when talking to lenders, what are the two different expenses you face when buying a home, and finally what is the 25% rule you need to calculate how much home you can afford. So by the end, you are going to understand what is exactly how much house can you afford and relax when buying your first home. So enjoy, sit back and relax! — GET STARTED — ✅ Connect with a great home buyer AGENT in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅ Buy a home in Brooklyn, New York with Laura Moreno → https://app.tryhomeflow.com/hire-me — HELPFUL TOOLS — ✅ Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅ Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅ Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅ Listen To The First Time Home Buyer Podcast → https://lauramoreno.com/podcast/ — DISCLAIMER — Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation.

Today I am going to cover: - Why is it important to work with the best buyer's agent - When you should find your buyer's agent - How not to find a buyer's agent - How to find several really great buyer agents using Zillow You can also find more awesome free homebuyer resources by going to https://lauramoreno.com/homebuyer_resources/ — GET STARTED — ✅ Connect with a great home buyer AGENT in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅ Buy a home in Brooklyn, New York with Laura Moreno → https://app.tryhomeflow.com/find-great-buyers-agent — HELPFUL TOOLS — ✅ Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅ Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅ Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅ Listen To The First Time Home Buyer Podcast → https://lauramoreno.com/podcast/ Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation.

Appraisal Gap: 5 Options to Fix A Low Appraisal Today I am going to share with you exactly what is an appraisal gap so that you can plan in advance before sending your home buying offer. I am going to be covering what is an appraisal gap, what are the consequences, how can you protect yourself, what you should do right after you find out there's an appraisal gap and what are the 5 options you have to fix a low appraisal, so by the end you'll feel calm knowing exactly what your options are if you think you'll get a low appraisal. So sit back, relax and enjoy! — GET STARTED — ✅ Connect with a great home buyer AGENT in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅ Buy or Sell your home in Brooklyn, New York using Laura Moreno as your agent → https://lauramoreno.com/hire-me/ — HELPFUL TOOLS — ✅ Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅ Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅ Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅ Listen To The First Time Home Buyer Podcast → https://lauramoreno.com/podcast/ Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation.

Today I am going to share with you what home appraisals are and how they actually protect you. I am going to be covering what is a home appraisal, how much it costs, who pays for it, why is it important, when it happens, and what can you do to protect yourself when you send your home buying offer. So by the end, you are going to learn everything you need to know about home appraisals so that you can relax when buying your first home. So sit back, relax and enjoy! And if you want to access more free homebuyer resources go to https://lauramoreno.com/homebuyer_resources/    — GET STARTED — ✅ Connect with a great home buyer AGENT in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅ Buy a home in Brooklyn, New York with Laura Moreno → https://app.tryhomeflow.com/hire-me   — HELPFUL TOOLS — ✅ Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅ Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅ Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅ Listen To The First Time Home Buyer Podcast → https://lauramoreno.com/podcast/ — DISCLAIMER — Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation. 

Today I am going to share with you WHY I think you'd be INSANE to buy a home without a home inspection and how you can create a great home buying offer that will get accepted and that will include a home inspection. I am doing this so that you can win a bidding war and get the home of your dreams, feeling safe and knowing that you are not buying a piece of crap that will need thousands of dollars of repairs. So in this video, I am going to be covering: - What is a home inspection and a home inspection contingency - Why are buyers choosing not to have a home inspection done before buying a home? - Why is this such a terrible idea - And how you can create a great home buying offer that will get accepted without risking not having a home inspection done. So sit back, relax and enjoy! And if you want to access more free homebuyer resources go to https://lauramoreno.com/homebuyer_resources/    — GET STARTED — ✅ Connect with a great home buyer AGENT in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅ Buy a home in Brooklyn, New York with Laura Moreno → https://app.tryhomeflow.com/find-great-buyers-agent   — HELPFUL TOOLS — ✅ Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅ Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅ Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅ Listen To The First Time Home Buyer Podcast → https://lauramoreno.com/podcast/   — DISCLAIMER — Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation.

Today, I am going to talk about how to buy a house in 2022. I will cover: - Why is buying a house so complicated and what you can do about it - How can you make sure you are not skipping a step and making a mistake - How to buy a home in 12 steps And to access more free and amazing home buyer resources, go to https://lauramoreno.com/homebuyer_resources/ You can do it and you are the best!!! So sit back, relax and enjoy! — GET STARTED — ✅ Connect with a great home buyer AGENT in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅ Buy a home in Brooklyn, New York with Laura Moreno → https://app.tryhomeflow.com/find-great-buyers-agent — HELPFUL TOOLS — ✅ Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅ Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅ Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅ Listen To The First Time Home Buyer Podcast → https://lauramoreno.com/podcast/ Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation.

In this video, we are going to cover how much money will your agent get paid when helping you buy a home. So why is this important? The more your agent gets paid, the more motivated he is going to be to represent you in your purchase. This is why is so important for you to know. So sit back, relax and enjoy! And to access more free and amazing home buyer resources, go to https://lauramoreno.com/homebuyer_resources/ — GET STARTED — ✅ Connect with a great home buyer AGENT in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅ Buy a home in Brooklyn, New York with Laura Moreno → https://app.tryhomeflow.com/find-great-buyers-agent — HELPFUL TOOLS — ✅ Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅ Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅ Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅ Listen To The First Time Home Buyer Podcast → https://lauramoreno.com/podcast/ Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation.

Today I cover how to get thousands of dollars at closing when buying your first home through a commission rebate. So we will cover: - why agents are offering commission rebates - when do you need to negotiate your rebate - how much will you get at closing - how can you find agents that will give you commission rebates (it's easier than you think!) And if you want to access more homebuyer resources go to https://lauramoreno.com/homebuyer_resources/ — GET STARTED — ✅ Connect with a great home buyer AGENT in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅ Buy a home in Brooklyn, New York with Laura Moreno → https://app.tryhomeflow.com/find-great-buyers-agent — HELPFUL TOOLS — ✅ Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅ Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅ Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅ Listen To The First Time Home Buyer Podcast → https://lauramoreno.com/podcast/ — DISCLAIMER — Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation.

In this video, I am going to cover the buyer representation agreement and the steps to hiring a real estate agent once you've found a great one. And if you want to access more resources on how to buy a home, go to https://lauramoreno.com/homebuyer_resources/ — GET STARTED — ✅ Connect with a great home buyer AGENT in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅ Buy a home in Brooklyn, New York with Laura Moreno → https://app.tryhomeflow.com/find-great-buyers-agent — HELPFUL TOOLS — ✅ Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅ Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅ Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅ Listen To The First Time Home Buyer Podcast → https://lauramoreno.com/podcast/ — DISCLAIMER — Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation.

In this video, I am going to share with you exactly what I would do if I was interested in buying a home when mortgage interest rates have reached almost 5% and home prices are way up. I am going to cover how you might be feeling and what can you do to calm down and decide if you should buy a home or not, including running again your numbers, reminding yourself why you are buying a home, and calculating again what would be best in the long run, buy vs rent. I would also cover what can you do if rates go down again and how probable it is for the home prices to go down after you buy. I am doing this so that you can review what your options are, relax, and decide if you are interested in buying a home with the current market conditions So sit back, relax and enjoy! — GET STARTED — ✅ Connect with a great home buyer AGENT in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅ Buy a home in Brooklyn, New York with Laura Moreno → https://app.tryhomeflow.com/find-great-buyers-agent — HELPFUL TOOLS — ✅ Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅ Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅ Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅ Listen To The First Time Home Buyer Podcast → https://lauramoreno.com/podcast/ — DISCLAIMER — Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation. 

Today, we're talking about the big $1 million dollars and how to successfully fundraise in today's digital age. In the first of a two-part series done in collaboration with Latinx professional network La Nueva Link, we discuss what it takes to fundraise and build a brand that lasts. Latino entrepreneurs historically have had difficulty attaining the capital from banks and investors needed to survive and scale. Per a report published by McKinsey, “Latinos have the lowest rate of using bank and financial institution loans to start their businesses compared with other racial and ethnic groups,” leaving them to rely more on personal funds. In this episode, we speak with Latinx founder of Shop Latinx Brittany Chavez, who has raised more than $1 million, and leader in the venture capitalist space as well as Partner at $100 million fund LAT VC Laura Moreno Lucas, to demystify the fundraising process and the gaps in the system where it can better serve Latinx founders. Subscribe to our newsletter to receive a weekly digest of Latinx and money news: https://monedamoves.substack.com/ Learn more about Listo!: listofin.com 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.

Hablamos del último Consejo Europeo del año, centrado en cuestiones como la coordinación de las políticas contra el coronavirus, la energía o las tensiones con Rusia; de cómo la pandemia afecta a las partidas destinadas a la ayuda humanitaria y cómo ha incrementado las desigualdades entre países según un informe de MSF y el IECAH. Juan Tato comenta el informe anual de 'Reporteros sin Fronteras' sobre los periodistas que han sido asesinados y encarcelados. Conversamos con Eduard Soler, del Cidob, que coordina un informe sobre los retos a nivel global para 2022. Y les contamos las últimas noticias que llegan desde los parques naturales de Sudáfrica, donde al menos 24 rinocerontes han sido masacrados por furtivos en los últimos 15 días con Laura Moreno de WWF. Escuchar audio

I don't know how to introduce this episode, because I don't know what's going to happen. I can tell you that I have one of the best guests I have ever had on my podcast with me today...my wife, Laura Moreno.

En esta ocasión estaremos hablando un poco sobre los juegos interactivos a través de la redes en conjunto a nuestros amigos Diana conocida en los bajos fondos como Kathling Dancing y Laura Moreno renombrada y conocida en Bogotá como Lauxmoon y el caballero de los controles Andres el de Yugui oh no te lo pierdas Episodio 23 By Solo Siguela Anna Karerina Zambrano Dany Rodríguez Darwin Santos Laura Moreno www.publisitetk.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/publisite-xtreme/support

En esta ocasión estaremos hablando las locuras de siempre en conjunto a nuestros amigos Diana conocida en los bajos fondos como Kathling Dancing y Laura Moreno renombrada y conocida en Bogotá como Lauxmoon Quienes estarán dando su punto de vista sobre los distintos tipos de expresiones lingüísticas de Venezuela, Colombia Y Costa Rica. no te lo pierdas Episodio 21 By Solo Siguela Anna Karerina Zambrano Dany Rodríguez Darwin Santos Laura Moreno www.publisitetk.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/publisite-xtreme/support

Ana Laura Moreno, sanrafaelina que quiere llegar a México en bicicleta.

Somos La Comunidad Cristiana Integral de Londres, desde Londres-Reino Unido. Te invitamos a conectarte a nuestras transmisiones todos los domingos 12:30pm (Hora de Londres). Si quieres saber más de nuestra iglesia y de nuestras actividades, te invitamos a visitar nuestro sitio web https://www.ccilondon.com/conocenos-cci-london-iglesia Y también nuestro canal oficial en Youtube https://www.youtube.com/ccilondon. No te olvides darle al botón de like y compartir nuestros mensajes para que lleguen a más personas. Nuestras Redes Sociales: Instagram: @cci_london Youtube: CCI London Facebook: CCI London Spotify Podcast: CCI London #CCILondon #IglesiaOnline #CCILondres #Jesus #Dios

See omnystudio.com/listener for privacy information.

En el Día Mundial del Asma y en #BotiTV, de la mano de la Asociación Española de Pediatría, hemos charlado con la Dra. Laura Moreno, neumóloga pediátrica en Pamplona y coordinadora del grupo de trabajo Asma y Educación en la Sociedad Española de Neumología Infantil.Laura nos ha contado que el asma es una enfermedad respiratoria, inflamatoria y crónica. Hay muchos factores de riesgo, como la base genética. Cada vez se diagnostica mejor, pero hay muchas teorías sobre el incremento de casos, como el exceso de higiene, la obesidad o la contaminación ambiental.En el podcast, aprendemos a diferenciar asma de alergia, qué pruebas se practican en la primera consulta, por qué es adecuado el tratamiento con corticoides orales y algunas leyendas urbanas que no son ciertas. Con los datos disponibles, los niños con asma no cogen más frecuentemente el coronavirus y si lo cogen no tienen una evolución peor. En pediatría, el paciente asmático no es un paciente de riesgo.

Many people are left out of capital markets and the paths to prosperity that they bring -- specifically Latinx communities, women, and other minority groups. In this episode, Latinx entrepreneur and founder of financial media company Pandocap, Laura Moreno Lucas dives into the why's and how's behind her passion to create access to capital markets within all communities by distilling market complexities into easy-to-understand information. In conversation with Latinx serial tech entrepreneur, Jesse Martinez, Laura will discuss how Pandocap is leveling the playing field and creating equal access to financial insights, with curated, aggregated, bilingual market intelligence and how her career at NASDAQ inspired the work she is doing today.

11 personas procedentes de Argentina, Chile y Uruguay van a concluir su formación como profesores y profesoras de euskera en el barnetegi Maizpide de Lazkao. Forman parte del programa Euskara Munduan que gestiona Etxepare Euskal Institutua. Tras lograr niveles B1 y B2 a 10.000 kilómetros de Euskal Herria, durante las próximas semanas vivirán y respirarán en euskera. La inmersión es total desde el pasado lunes, 18 de enero. En Kale Nagusia conversamos con Garbiñe Iztueta, Directora de Promoción y Difusión del Euskera del Instituto Etxepare, y con aría Laura Moreno, alumna llegada desde Montevideo (Uruguay). Todos los participantes se convertirán en profesores/as en sus respectivos centros vascos. Alrededor de 2.000 personas están aprendiendo euskera a lo largo y ancho del mundo, en cursos de centros vascos apoyados por Etxepare Euskal Institutua.

Winning Win with Buyers in Any Market – Laura Moreno of Home Flow on Path to Mastery Laura helps first-time buyers to remove the stress and stay committed to the home buying process.  THIS EPISODE FEATURES GREAT TIPS TO KEEP YOUR BUYERS ENGAGED IN THE PROCESS AND GET YOUR OFFERS ACCEPTED!!  Laura also hosts the first time home-buyers podcast – First Time Homebuyer Podcast Discover how Home Flow makes the home buying process easy and helps you save time and money with the all-in-one homebuying platform Next Event November 12th, 2020 featuring  Jim Black & Laura Moreno REGISTER www.davidsMeetUp.com Monthly Training with David  35callchallenge.com David’s Monthly Article – 5 Mistakes Realtors Make  FACEBOOK COMMUNITY Facebook – Please follow and join my Grouphttps://www.facebook.com/groups/ptmastery/ OUR LEAD PROVIDER SPONSORS VULCAN7www.vulcan7.com/pathtomastery 2 weeks only $49.00 LANDVOICE www.Landvoice.com/pathtomastery 3 months special offer Free Audible Book www.davidsfreebook.com SOCIAL MEDIA LINKS  Facebookhttps://www.facebook.com/davidihill/ Facebook – Please follow and join my Grouphttps://www.facebook.com/groups/ptmastery/ YouTubehttps://www.youtube.com/user/hillteam17 LinkedIN https://www.linkedin.com/in/davidihil  

In this episode of The Hyperfast Agent Podcast, host Dan Lesniak speaks with the Founder of HomeFlow, Laura Moreno. Laura faced a plethora of challenges when she and her husband bought their first home just three years ago. Since then, she has built a podcast and an entire company that helps home buyers beat those challenges. Episode Highlights:  Laura and her husband had an alright experience when buying their first apartment just three years ago. HomeFlow makes the home-finding process more efficient by allowing buyers to sort homes into levels of interest. Real estate agents make the mistake of not putting themselves in their buyers' shoes. Homebuyers can be a pain for real estate agents and HomeFlow aims to educate buyers to avoid that pain. The time-consuming process of finding a home can be stressful for both the agent and buyer. Laura and her husband did not like the lack of transparency involved with the closing process. Real estate agents do not have the time to educate every single buyer on the process. HomeFlow gives agents more time by answering the most common questions for them. Laura worked full-time as a project manager at a tech company while interviewing countless people on the home-buying process. The podcast allows home buyers to be educated without taking too much time out of their day. The platform includes education and messaging tools that can help home buyers, agents, lenders, and lawyers communicate more efficiently. Agents and homebuyers can collaborate in one common place when the platform is complete. Education will be available in multiple forms including free courses, podcasts, and communication forums. There will be challenges down the road with different state regulations and a lack of funding. HomeFlow is working on creating free content that home buyers are already looking for. Real estate agents must provide value to the buyer through education first so they know what is coming. Homebuyers need to be talked through the rollercoaster of emotions that are headed their way. Education is not all on the agent; home buyers need to educate themselves on the process. When she's not working on her business, Laura enjoys spending time with her son and husband. In 5 years, Laura sees HomeFlow improving the home-buying experience for millions of people. 3 Key Points: Laura found a pain point when purchasing her first apartment and ultimately left her job to build a company around that pain point. HomeFlow aims to educate buyers on the home-buying process before they ever reach out to an agent with common questions. Right now, the biggest challenge that HomeFlow is facing is a lack of people, hours, and funding. The need and want already exist amongst agents and buyers. Resources Mentioned: Learn more about Hyperfast Academy Dan Lesniak (bio, Facebook, Twitter) Text Dan your real estate questions: (703) 215-1684 Laura Moreno (Website Podcast Email)

Have you ever run out of water in your house? Usually, if this happens, there is a pretty easy solution—but what if the only way to get water was to walk hundreds of miles and then carry it back home? Today’s guest is Laura Moreno, the executive director of Nueva Life, a charitable organization that provides clean water, education, and energy solutions to communities in need. You can find show notes and more information by clicking here: https://www.bobdepasquale.com/podcast/09     

Fresno County officials announced the results from January’s homeless point-in-time count Wednesday, including a significant rise in unhoused individuals. This year’s annual point-in-time count found 3,251 people experiencing homelessness throughout Fresno County. That’s about a 50 percent increase from 2019, when the number of people counted was 2,131. However, more people than usual were counted in shelters. “Our sheltered numbers went up by about 500. And I think this is a direct result of beds that were added,” said Laura Moreno, chair of the Fresno Madera Continuum of Care. The FMCoC is the organization that implements the annual census of people experiencing homelessness in both counties. Over the years the city and county of Fresno have brought in state and federal money to increase shelter beds and build permanent, supportive housing. Moreno noted that last year, 60 percent of those who took advantage of a housing program through FMCoC found permanent housing , meaning they

Many things went wrong to cause the deadly explosion in Beirut, Lebanon. In this episode of The NFPA Podcast, we examine some of the factors that may have led to the blast, from the improper storage of ammonium nitrate to unpermitted hot work. Angelo kicks off the episode with a conversation with Guy Colonna, a hazardous materials expert at NFPA, to discuss ammonium nitrate safety (2:20). Then, he speaks with Anas Alzaid, NFPA's representative to the Middle East, to discuss industrial safety in the region (17:50), before closing the episode with a chat with Laura Moreno, an NFPA engineer, to discuss hot work safety (36:25). 

Invitada: Laura Moreno, Vicepresidenta de Relaciones Corporativas de BAC.

June is homeownership month and on this episode of Millennial Debt Domination Katie talks about first time home buying for millennials. Owning a home is something many millennials put off until much later in life than their parents did at their age. This is mostly because millennial value their freedom and they believe they can’t afford to purchase a home. Katie is joined by Laura Moreno on today’s episode. Laura is the founded of a website called HomeFlow. HomeFlow strives to make the home buying process easy and to help you save time and money. Buying a home might not be as out of reach as you may thing. HomeFlow: https://www.tryhomeflow.com/ Follow Navicore on Social Media: Twitter: @NavicorePR Instagram: @NavicoreSolutions Facebook: NavicoreSolutionsPR More questions? E-mail us: olm@navicoresolutions.org

Laura Moreno, the host of The First Time Home Buyer Podcast and founder of HomeFlow, talks about what listeners are going to get out of this podcast, its format, and why she started it.

Te gustaría Casarte contigo mismo, en la entrevista de hoy tenemos a Laura Moreno, no te lo puedes perder.  ¿Dónde escuchar este episodio? Puedes escuchar el podcast en cualquiera de estas plataformas o en cualquier plataforma de podcast, búscanos como TRIUNFANDO EN PAREJA en: Página del podcast: https://triunfandoenpareja.com/podcasts/                                         Gracias por escuchar este episodio, espero te haya servido para tu crecimiento personal y para mejorar la relación en pareja, nos vemos el próximo episodio, no olvides de suscribirte y dejar tus valoraciones positivas, tus 5 estrellas en iTunnes, dejarnos un corazon en Spotify, tus comentarios en Ivoox o en Cualquier plataforma de podcast que nos estas escuchando, recuerda que en Youtube también tenemos programas, cuídate mucho y ten presente la relación de pareja es de Dos… Soy Ronald Zea y te envío un fuerte abrazo… Visita la página de Lura Moreno https://www.mujeresquedespiertan.com/ Visita la Página oficial de Triunfando en Pareja: https://triunfandoenpareja.com/, deja tu correo y tendrás más información. Página oficial de Facebook:https://www.facebook.com/Triunfopareja/   Si te gustaría mejorar la comunicación en tu relación y ayudar que tu relación sea mucho mejor de lo que es, puedes ingresar al Instituto de parejas:  https://institutodeparejas.org/    Donde encontraras una membresía mensual de $5.00 que te ayudará a vivir una relación de pareja Extraordinaria.

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las más de 10 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=LJcO8iOg9mY Todos somos semillas y a su vez el campo fértil que las hace germinar, pero se nos ha olvidado como hacer el amor con la vida y como dejarnos fecundar por la divinidad. Aprende cómo abrir tu ser a tu Gran Diosidad y cómo ser la materialización de tus sueños. Laura Moreno Terapeuta, Conferencista, Tallerista Internacional, Practicante de la Física Cuántica y Aprendíz de la Sabidurías Ancestrales. Lleva 14 años trabajando en consejería, autoconocimiento, y consultas individuales. Hace 9 años se desenvuelve como terapeuta de Física Cuántica, genera encuentros de sanación personalizados y grupales. A la fecha ha hecho giras en 12 países y es la impulsadora de más de 3.000 círculos de Mujeres en 30 países bajo su guía terapéutica. ------------------INFORMACION SOBRE MINDALIA------------------- Mindalia.com y Mindalia Televisión son una ONG SIN ANIMO DE LUCRO Si te ha gustado este video, APOYANOS CON UNA DONACION: https://www.mindaliatelevision.com/hacer-una-donacion-mindalia/ SUSCRIBETE AL CANAL DE YOUTUBE para no perderte ningún video: http://www.youtube.com/subscription_center?add_user=mindaliacom AYUDA A MINDALIA, SIN PAGAR NI UN SÓLO CÉNTIMO MÁS, CON TUS COMPRAS Y RESERVAS ONLINE: http://helpfree.ly/j20544 MILES DE VIDEOS de conferencias y entrevistas de interés en http://www.mindaliatelevision.com Participa en las CONFERENCIAS EN DIRECTO: http://television.mindalia.com/category/conferencias-en-directo/ -Puedes escuchar este y otros audios en Ivoox: http://mindaliacomradio.ivoox.com PIDE O ENVIA AYUDA http://www.mindalia.com - La Red Social de Ayuda a través del Pensamiento SIGUENOS EN REDES SOCIALES: -Youtube: http://www.youtube.com/mindaliacom -Facebook: https://www.facebook.com/mindalia.ayuda/ -Twitter: http://twitter.com/mindaliacom -Instagram: https://www.instagram.com/mindalia_com/ DESCARGATE LAS APLICACIONES MOVILES GRATUITAS: Mindalia Multimedia https://play.google.com/store/apps/details?id=es.app.mindalia_television Mindalia Red de Ayuda https://play.google.com/store/apps/details?id=es.app.mindalia_ayuda&hl=es CONTACTA CON NOSOTROS: http://television.mindalia.com/contacto/ -Skype: mindalia.com ¿Tienes un video que te gustaría que publicáramos? Envíanoslo!! ----------------------------------------------------------------------------------- ***Mindalia Televisión no se hace responsable de las opiniones vertidas en este video, ni necesariamente participa de ellas. ***Mindalia Televisión no se responsabiliza de la fiabilidad de las ***informaciones de este video, cualquiera que sea su origen. Este video es exclusivamente informativo. #LauraMoreno #SexualidadSagrada #FísicaCuántica

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las más de 10 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=LJcO8iOg9mY Todos somos semillas y a su vez el campo fértil que las hace germinar, pero se nos ha olvidado como hacer el amor con la vida y como dejarnos fecundar por la divinidad. Aprende cómo abrir tu ser a tu Gran Diosidad y cómo ser la materialización de tus sueños. Laura Moreno Terapeuta, Conferencista, Tallerista Internacional, Practicante de la Física Cuántica y Aprendíz de la Sabidurías Ancestrales. Lleva 14 años trabajando en consejería, autoconocimiento, y consultas individuales. Hace 9 años se desenvuelve como terapeuta de Física Cuántica, genera encuentros de sanación personalizados y grupales. A la fecha ha hecho giras en 12 países y es la impulsadora de más de 3.000 círculos de Mujeres en 30 países bajo su guía terapéutica. ------------------INFORMACION SOBRE MINDALIA------------------- Mindalia.com y Mindalia Televisión son una ONG SIN ANIMO DE LUCRO Si te ha gustado este video, APOYANOS CON UNA DONACION: https://www.mindaliatelevision.com/hacer-una-donacion-mindalia/ SUSCRIBETE AL CANAL DE YOUTUBE para no perderte ningún video: http://www.youtube.com/subscription_center?add_user=mindaliacom AYUDA A MINDALIA, SIN PAGAR NI UN SÓLO CÉNTIMO MÁS, CON TUS COMPRAS Y RESERVAS ONLINE: http://helpfree.ly/j20544 MILES DE VIDEOS de conferencias y entrevistas de interés en http://www.mindaliatelevision.com Participa en las CONFERENCIAS EN DIRECTO: http://television.mindalia.com/category/conferencias-en-directo/ -Puedes escuchar este y otros audios en Ivoox: http://mindaliacomradio.ivoox.com PIDE O ENVIA AYUDA http://www.mindalia.com - La Red Social de Ayuda a través del Pensamiento SIGUENOS EN REDES SOCIALES: -Youtube: http://www.youtube.com/mindaliacom -Facebook: https://www.facebook.com/mindalia.ayuda/ -Twitter: http://twitter.com/mindaliacom -Instagram: https://www.instagram.com/mindalia_com/ DESCARGATE LAS APLICACIONES MOVILES GRATUITAS: Mindalia Multimedia https://play.google.com/store/apps/details?id=es.app.mindalia_television Mindalia Red de Ayuda https://play.google.com/store/apps/details?id=es.app.mindalia_ayuda&hl=es CONTACTA CON NOSOTROS: http://television.mindalia.com/contacto/ -Skype: mindalia.com ¿Tienes un video que te gustaría que publicáramos? Envíanoslo!! ----------------------------------------------------------------------------------- ***Mindalia Televisión no se hace responsable de las opiniones vertidas en este video, ni necesariamente participa de ellas. ***Mindalia Televisión no se responsabiliza de la fiabilidad de las ***informaciones de este video, cualquiera que sea su origen. Este video es exclusivamente informativo. #LauraMoreno #SexualidadSagrada #FísicaCuántica

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las más de 10 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=LJcO8iOg9mY Todos somos semillas y a su vez el campo fértil que las hace germinar, pero se nos ha olvidado como hacer el amor con la vida y como dejarnos fecundar por la divinidad. Aprende cómo abrir tu ser a tu Gran Diosidad y cómo ser la materialización de tus sueños. Laura Moreno Terapeuta, Conferencista, Tallerista Internacional, Practicante de la Física Cuántica y Aprendíz de la Sabidurías Ancestrales. Lleva 14 años trabajando en consejería, autoconocimiento, y consultas individuales. Hace 9 años se desenvuelve como terapeuta de Física Cuántica, genera encuentros de sanación personalizados y grupales. A la fecha ha hecho giras en 12 países y es la impulsadora de más de 3.000 círculos de Mujeres en 30 países bajo su guía terapéutica. ------------------INFORMACION SOBRE MINDALIA------------------- Mindalia.com y Mindalia Televisión son una ONG SIN ANIMO DE LUCRO Si te ha gustado este video, APOYANOS CON UNA DONACION: https://www.mindaliatelevision.com/hacer-una-donacion-mindalia/ SUSCRIBETE AL CANAL DE YOUTUBE para no perderte ningún video: http://www.youtube.com/subscription_center?add_user=mindaliacom AYUDA A MINDALIA, SIN PAGAR NI UN SÓLO CÉNTIMO MÁS, CON TUS COMPRAS Y RESERVAS ONLINE: http://helpfree.ly/j20544 MILES DE VIDEOS de conferencias y entrevistas de interés en http://www.mindaliatelevision.com Participa en las CONFERENCIAS EN DIRECTO: http://television.mindalia.com/category/conferencias-en-directo/ -Puedes escuchar este y otros audios en Ivoox: http://mindaliacomradio.ivoox.com PIDE O ENVIA AYUDA http://www.mindalia.com - La Red Social de Ayuda a través del Pensamiento SIGUENOS EN REDES SOCIALES: -Youtube: http://www.youtube.com/mindaliacom -Facebook: https://www.facebook.com/mindalia.ayuda/ -Twitter: http://twitter.com/mindaliacom -Instagram: https://www.instagram.com/mindalia_com/ DESCARGATE LAS APLICACIONES MOVILES GRATUITAS: Mindalia Multimedia https://play.google.com/store/apps/details?id=es.app.mindalia_television Mindalia Red de Ayuda https://play.google.com/store/apps/details?id=es.app.mindalia_ayuda&hl=es CONTACTA CON NOSOTROS: http://television.mindalia.com/contacto/ -Skype: mindalia.com ¿Tienes un video que te gustaría que publicáramos? Envíanoslo!! ----------------------------------------------------------------------------------- ***Mindalia Televisión no se hace responsable de las opiniones vertidas en este video, ni necesariamente participa de ellas. ***Mindalia Televisión no se responsabiliza de la fiabilidad de las ***informaciones de este video, cualquiera que sea su origen. Este video es exclusivamente informativo. #LauraMoreno #SexualidadSagrada #FísicaCuántica

A propósito de la serie de Netflix sobre el caso de Luis Andrés Colmenares, SEMANA revive la entrevista con una de sus protagonistas. Después de ser absuelta en primera instancia, Laura Moreno relató detalles de cómo vivió un drama en el que perdió su juventud. Este es El Diario, el pódcast de SEMANA.

Cada año, el ocho de marzo es recordado como el día Internacional de la mujer. Una conmemoración de la lucha de las mujeres por ser reconocidas de forma equitativa dentro de la sociedad. Laura Moreno fundadora de "El acuerdo de la mujer", entidad sin animo de lucro internacional, que apoya y promueve la sana convivencia entre mujeres, habló con URosarioRadio sobre los avances y pendientes que hay que seguir revalidando, más allá de la entrega de una rosa.Informa Cristian Camilo Ibarguen.

  Betsy and Laura are originally from Colombia and México they are serial entrepeneurs that believe that they can change their countries and the world through entrepeneurship. They started their entrepreneurial path less than a year ago and they already have 3 running companies in México and going for more. They just graduated from BYU-Hawaii, […]

El procurador delegado Jairo Salgado habló en Mañanas BLU sobre la petición del Ministerio Público de revocar fallo absolutorio a favor de Laura Moreno y Jessy Quintero.See omnystudio.com/listener for privacy information.

María del Pilar Gómez aseguró que comparte la decisión de la juez que absolvió a Laura Moreno y Jessy Quintero y señaló que se hizo justicia. See omnystudio.com/listener for privacy information.

El experto forense afirmó que nunca conoció ni dictó clases a la juez que absolvió a Laura Moreno y Jessy Quintero.See omnystudio.com/listener for privacy information.

Luis Alonso Colmenares aseguró que confía en la justicia pero no en los operadores del sistema judicial.See omnystudio.com/listener for privacy information.

“El proceso no puede ser eterno porque no les satisface la respuesta”, dijo el abogado de Laura Moreno.See omnystudio.com/listener for privacy information.

“Me salí de la audiencia porque no tolero tanta injusticia, no soporto tanta mentira”, sostuvo Oneida Escobar, madre de Luis Andrés Colmenares.See omnystudio.com/listener for privacy information.

El neurólogo Javier Sánchez junto con la neuropsicóloga Laura Moreno, son quienes han desarrollado esta guía para la estimulación cognitiva con naipes, dirigida a pacientes con deterioro cognitivo y sus familiares y cuidadores. La guía contiene gran variedad de juegos y propuestas y se enmarca en el proyecto "Encartados". Se puede descargar en la web www.encartados.com

El neurólogo Javier Sánchez junto con la neuropsicóloga Laura Moreno, son quienes han desarrollado esta guía para la estimulación cognitiva con naipes, dirigida a pacientes con deterioro cognitivo y sus familiares y cuidadores. La guía contiene gran variedad de juegos y propuestas y se enmarca en el proyecto "Encartados". Se puede descargar en la web www.encartados.com

Al resolver una tutela, el Tribunal Superior de Bogotá negó una solicitud de nulidad la Fiscalía, que pretendía tumbar las pruebas de la defensa de Laura Moreno y Jessy Quintero, en medio del juicio por la muerte del estudiante universitario Luis Andrés Colmenares Escobar. See omnystudio.com/listener for privacy information.

Laura Moreno Cabanillas is originally from Spain, she lived in Turkey where she started her entrepreneurial journey and met her husband. With him, she moved to the US. She is the host of the Growth Hacking podcas (http://growthhackingpodcast.com) t and she advises companies in business development and sales.  She also teaches the principals of growth hacking. Her mission in life is to help 300 million people be happier! In this episode she will tell you how Glimpse on Laura’s insights: How to meet people in a new place. How to take time to take care of yourself, do things that you like. How to build healthy routines and practice gratitude to be happy. Laura’s habits in relocation: 20 min of gratitude per day. Exercising. Laura’s recommended online resources: Meetup (http://www.meetup.com) Mobile Voip (https://www.mobilevoip.com) Rynga (https://www.rynga.com) Laura’s recommended books: Living your best year ever (http://www.amazon.com/Living-Your-Best-Year-Ever/dp/B00696HSQI) by Daren Harry The Magic (http://www.amazon.com/Magic-Secret-Rhonda-Byrne/dp/1451673442/ref=sr_1_1?s=books&ie=UTF8&qid=1449070476&sr=1-1&keywords=the+magic)  by Rhonda Byrne. Find Laura Moreno: Lauramoreno.com (http://lauramoreno.com) Help your expat friends who might need inspiration to turn the challenges of relocation into great opportunities. Share this episode with your friends! 

En la audiencia de juicio en contra de Laura Moreno y Jessy Quintero, acusadas dentro del proceso por la muerte del joven universitario Luis Andrés Colmenares,... See omnystudio.com/listener for privacy information.

Esta semana las secciones parece que os quieren despistar, consejos, huerta…………… perdonaaaaaaa!!!!!! Invitada especial en ambas secciones: Laura Moreno. Esta chica tiene potencial, odia y “recetea” que da gusto, será la disciplina. Con los odios se nos cuela una “audionota” o “audiomail” de un querido y gran amigo, @Chema_Hoyos, del podcast @Bialogos, y como no, … Sigue leyendo Sinofuerapod 0008