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3 hours and 20 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, The Phil Klein Insurance Group, Winewood Organics, Human Element, Venue by 4M where we recorded this, The Nose Bleeds, which is the Sklars Bros' reboot of Cheap Seats on UFC Fight Pass, and INTRODUCING TO THE PODCAST: Sharon's Heating & Air Conditioning. 1. Thoughts on The Game Starts at 1:00 It comes down to Michigan being the type of team to go for it on 4th and 1 and Ohio State is the type of team to punt on 4th and 1. This game came down to blocking and tackling, not sign stealing. Ohio State is below the Ferentz line over the last three years (and are 74% of the way to Ryan Day's 100 points). Twitter has been so much quieter since Saturday. Is this the end of the line for Ryan Day? Should it be? Also who would you even hire next? Michigan's culture was built to beat Ohio State. This program brings out the mental fortitude of the players required to endure what the last six weeks has been.   2. Offense vs Ohio State Starts at 36:19 Blake Corum's 22 yard run is what he came back to Michigan for, he ran duo and made Sonny Styles look silly. Trente Jones is blowing people off the line - so happy for him in this game. The Ohio State defense was as advertised, JTT is a monster of a run defender. Feels like they could've just used JJ instead of Alex Orji on the run plays out of the first half. Why didn't JJ run more? It didn't quite feel like the best game plan but it worked, also Ohio State's defense just played really well. Was the Roman Wilson touchdown throw the best throw we've ever seen a Michigan quarterback make? Playcalling on Michigan's last series wasn't great but otherwise it was great throughout the drive for draining seven minutes of clock. Cornelius Johnson didn't have the same explosive plays as last year but the catches he did have were arguably just as monumental. There's no question that Colston Loveland is going to catch the ball when the ball goes his way. 3. Hot Takes, Defense vs Ohio State Starts at 1:18:31 Takes hotter than Ryan Day's seat. Michigan's defense did exactly what we expected, Marvin Harrison Jr said he's never been doubled like that before. Michigan did a good job containing TreVeyon Henderson, Chip Trayanum was more effective. The secondary got interesting after Will Johnson got hurt. Why was Jimmy Rolder out there? Marvin Harrison Jr made some insane catches, especially the downfield one where he was held. Ryan Day didn't want to run CJ Stroud and he doesn't want to run Kyle McCord. Surprising lack of frippery between both offenses. McCord played surprisingly well under pressure. Quinten Johnson's big hit made the Big House as loud as we've ever heard. Michigan's rotation of players all season paid off in this one. 4. Game Theory, and Special Teams Starts at 2:08:44 Let's compare Ryan Day to James Franklin! Discussing all of Ohio State's punting situations. What about Michigan's, should they have gone for it on the final 4th and 4? Maybe it's better to let Colston Loveland win it for you than to have to defend Marvin Harrison Jr without Will Johnson. Ryan Day on 4th and 1 - WHAT ARE YOU DOING? A monster game from Tommy Doman. There were far fewer Ohio State fans in the stadium this year. Shout out to the giant Mike Sainristil head in the field rush. Roman Wilson's touchdown was absolutely a touchdown. Stadium replay - DON'T SHOW THE REPLAY IF YOU'RE NOT GOING TO SHOW THE BALL. WE WERE EMOTIONALLY DISTRAUGHT. Also it was an incompletion, not a fumble. 5. Around the Big Ten with Jamie Mac Starts at 2:45:53 Iowa - 13 Nebraska - 10 The most Iowa win ever? They hit the game winning field goal with someone who has not kicked all year. The last ten minutes of this game was incredible. The Big Ten Championship Game should be about the same as two years ago. Northwestern - 45 Illinois - 43 In regulation! Northwestern amazingly finishes the regular season 7-5. Bert was angry at the end. Purdue - 35 Indiana - 31 Indiana head coach Tom Allen is fired after this game (and gets a $20 million buyout). Who does Indiana hire? Maryland - 42 Rutgers - 24 Maryland won this in the first quarter. Tagovailoa threw some dimes and that's all she wrote. Rutgers cannot play from behind. Taulia now leads the Big Ten in all time passing yards. Wisconsin - 28 Minnesota - 14 Hot seat time for PJ Fleck? Penn State - 42 Michigan State - 0 Total yards were 586 to 53. MUSIC: “Winning”— Santana “I'm Gonna Be Myself”— The Sheepdogs “Too Young To Burn”—  Sonny and the Sunsets "Mr. Brightside" — Cloud Illusions “Across 110th Street”

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Human Element, Ann Arbor Elder Law, Michigan Law Grad, The Phil Klein Insurance Group, Venue by 4M, Winewood Organics, Sharon's Heating & Air Conditioning, SignalWire where we recorded this, and introducing to the podcast, Autograph: Rewarding Fans, who just launched an app where you earn rewards for things like reading MGoBlog and listening to our podcast. Featured Musician: Nadim Azzam The Video: [After THE JUMP: The things said.] --------------------- 1. Ohio State Preview: Offense starts at the top Let's talk football! Ohio State's offense has taken a step back from nuclear, but they can explode with a couple of 1st round receivers, including the first WR off the board in April, and Treyveon Henderson, who can turn a missed tackle into a 57-yard touchdown at a moment's notice. Stover has been a much bigger part of their passing game, but Marvin Harrison Jr. and Emeka Egbuka are the stars there—Julian Fleming is another super blue chip who hasn't met his profile, and Xavier is  Their center is Not Good so if Michigan can get them in long downs they should be able to get pressure up the middle and dominate the interior. They want to run Stretch and Counter; Michigan has the players to limit their gap runs but their zone runs are going to be difficult to stop with those light fronts. We'll see some interesting blitzes to try to win more of those back. 2. Ohio State Preview: Defense starts at 28:18 They've been much improved, and ain't played nobody (just like us). Notre Dame was able to push around their front, which doesn't have a 300-pound DT and might not have their most explosive backfield transgressor available. Their DEs have improved from last year but are not the top-3 overall hellbeasts they were projected to be as recruits—more like heavies who are difficult to dislodge: JTT = Mike Morris. Do not block with Tight Ends. Their LBs haven't been great, Seth thinks they will blitz a lot (like 2018) though they haven't much this year because that's a better use for them than having them sit back and read. Secondary is much improved despite losing Lathan Ransom for the season; Sonny Styles plays the Tight End-locked "Bandit" role in his stead while Jordan Hancock is an excellent "Nickel Safety" (Sainristil role) and Josh Proctor is back as a 6th year guy to be a solid free safety. They are not blitzing those safeties as much, preferring to sit back and prevent big plays, which they are EXCELLENT at. But Michigan might be able to go back to the 2021 approach. 3. Basketball in the Bahamas starts at 1 hour precisely. A loss to Memphis and a win vs Stanford set up tonight's battle for 5th place (really tied for 3rd but the order of your losses matters) with Texas Tech. Surprised to find this team can score in buckets but can't play defense. They can't have Reed out there in the last 2 minutes because he can't hit a free throw, and then they get off-balance if Nkamhoua has to take a breather. Tray Jackson has not been good thus far. Can't autobench Dug—he only gets 2 fouls per 40 and the offense can't operate without him. They need another point and they need a wing, and that's on admissions because they had transfers who wanted to come both years. 4. Maryland After Review starts at 1:10:36 Defensively it was the same game we've been playing every week, where the opponent has some stuff prepared (in this case it was the old RPO that Locksley and Gattis ran at Bama) and Michigan is practicing their base defense for Ohio State. The defensive line could be the best in program history, with Mason Graham playing like an All-American and Kenneth Grant turning into a monster, but that takes weird extrapolation because they're only on the field for 50% of the snaps. Secondary played like butt against the first good passing offense they faced, which is not a good sign for this weekend. Johnson got beat twice, Wallace looked like he needed to be pulled, and it's a bit late to be falling back on Sainristil outside and McBurrows in the slot, but that's the answer if Wallace can't stay with Egbuka. Bad day for the safeties—do not like Rod Moore missing tackles given what's coming up. Offensive, it was a terrible game for JJ, who wasn't seeing downfield shots that were drawn up for him. We play whack-a-take with the excuses and some are good: JJ didn't practice as much this week after being injured, he lost Roman Wilson who's the guy he'd normally be going to in those situations, and Maryland surprised him with some shifts after the snap. Can't blame the wind. Really didn't like the gameplan: you run 13 times then put out a passing offense to pass—there's no subterfuge there! Why can't this team run play-action when they are great at play-action? WHY? There's no answer. About the Featured Musician: NADIM AZZAM This year we are partnering with The Blind Pig for bumper music, since that's where I've seen most of the bands I've been pushing anyways. And now that we're at Ohio State week I have a reveal for you all: The man choosing the music all this time has been Nadim Azzam, who in addition to helping out the Pig is a rising star in the Detroit-Ann Arbor music scene himself. The Ann Arbor-based singer, rapper, and songwriter is soulful, witty, and technical, kind of like a blog you know. Azzam's new album Dreams For The Future is out now! Song choices: The Come Up Get the Money Night Walk Also because Across 110th Street will get our Youtubes taken now now, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

2 hour and 13 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, The Phil Klein Insurance Group, Winewood Organics, Human Element, Venue by 4M where we recorded this, The Nose Bleeds, which is the Sklars Bros' reboot of Cheap Seats on UFC Fight Pass, and INTRODUCING TO THE PODCAST: Sharon's Heating & Air Conditioning. 1. Offense vs Maryland Starts at 1:00 The annual "play like butt before the Ohio State game" game! JJ is banged up, how much did that effect him? Michigan turtled in this game after taking a convincing lead. The sun was brutal, looked like it made things difficult for receivers. Michigan's calls have been a bit predictable and they're not weaponizing play action as well as they could. The guards had a great game, the tackle situation just got more interesting.  2. Defense vs Maryland Starts at 33:30 This game was the full Taulia Tagovailoa experience - he does a few amazing things and then a couple terrible things. Ohio State's run offense isn't going to be much better than Maryland's. How much will Kyle McCord run against Michigan? Michigan rotated a lot this game but it feels like a lot of these guys deserved playing time. Would you rather go up against Taulia Tagovailoa or Kyle McCord next week?  3. Hot Takes, Game Theory, and Special Teams Starts at 1:02:15 Takes hotter than a Michigan fan watching a competitive game for the first time this year. It doesn't actually feel like the refs are out to get Michigan. The intentional grounding in the endzone never gets called so it was surprising. The two targeting no-calls felt right, the contact was not intentionally forceable on either. Tommy Doman earned 2 points on his punt that landed on the one. 31 points is too normal in a game where you scored two safeties. The wind must have been a factor on 4th down decision making for them not to kick field goals. 4. Around the Big Ten with NOT Jamie Mac Starts at 1:29:03 Iowa - 15 Illinois - 13 Iowa scored a safety to start the game. Iowa has clenched the Big Ten West despite having lost all their offensive weapons. Tory Taylor punts for 413 yards in an emotional senior day. If Michigan plays Iowa in Indy it will probably be like two years ago. Penn State - 27 Rutgers - 6 This game was about what you would expect. Drew Allar only has 79 passing yards but Rutgers was just never going to move the ball on this Penn State defense.  Michigan State - 24 Indiana - 21 Michigan State's win expectancy in this was 12% with less than three minutes left. This has to be the end of Tom Allen. Who does Indiana get after this (or Michigan State for that matter).  Northwestern - 23 Purdue - 15 Northwestern is bowl eligible! Purdue turns the ball over four times.  Wisconsin - 24 Nebraska - 17 Chubba Purdy and Tanner Mordecai are back. Nebraska needs to beat Iowa to get bowl eligible now.  Ohio State - 37 Minnesota - 3 This was the Michigan games sans that one big throw. Can you name the Ohio State backup QB that threw twice? Michigan could have a lot of new packages for Ohio State becuase we've seen so few all season.  MUSIC: “Debris”— Reigning Sound “Loving Cup”— The Rolling Stones “Unthinkable”—  Alicia Keys ft. Drake “Across 110th Street”

With interest rates at the highest point in decades, multifamily and commercial real estate purchases have dropped by more than 50%. Cash flow looks almost nonexistent, but good deals could be right around the corner as inexperienced operators are forced to give up their properties or pay MASSIVE amounts of money to the bank. What can you expect as the 2024 housing market rolls around? Stay tuned; we'll give you all the info! Alison Williams, SVP & Chief Production Officer at Walker & Dunlop, joins us to discuss “small balance lending” and where MANY multifamily investors get their money. Alison is able to tell you point-blank what a lender needs to see to lend on your deal, how much money you should be prepared to come to the table with, and what could happen as the bridge loan bomb begins to go off. Alison also believes we'll see “a LOT of deals” in the coming months/years as operators are forced to refinance, foreclose, or sell. This presents a massive opportunity for new investors who have been starved of deals and are looking to pick up another property without paying 2021 or 2022's high prices!  In This Episode We Cover The bridge loan bomb that could blow up many investors' deals  Why multifamily and commercial real estate purchases have fallen off a cliff Default rates, foreclosures, and whether Alison expects them to go up  Deals coming down the road and why investors with cash on hand could be in for serious discounts  What a “good” deal looks like in 2023/2024 and what you NEED to get funding  Alison's biggest pieces of advice for investors and why many could be in for a “shock” And So Much More! Click here to listen to the full episode: https://www.biggerpockets.com/blog/on-the-market-161 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

wsg Richard Hoeg The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Human Element, Ann Arbor Elder Law, Michigan Law Grad, The Phil Klein Insurance Group, Venue by 4M, Winewood Organics, Sharon's Heating & Air Conditioning, SignalWire where we recorded this, and introducing to the podcast, Autograph: Rewarding Fans, who just launched an app where you earn rewards for things like reading MGoBlog and listening to our podcast. Featured Musician: Desmond Jones The Video: [After THE JUMP: The things said.] --------------------- 1. Signs, Stalions, and the Law, wsg Richard Hoeg starts at the top Partridge is out the door; the rest broke during or after the segment. We scheduled our lawyer friend Hoeg (YouTube Channel) because we thought we'd have a hearing right now instead of things breaking that we were just hearing about last night. Michigan's case was stronger than the Big Ten's but the hole in Michigan's case for a TRO was they had to prove irreparable harm, and considering the Vegas line didn't move for Harbaugh being out they had a tough case to prove there. It's always better to settle than litigate; it's not clear that this was a legal settlement. 2. Maryland Preview starts at 18:29 Hi Josh Gattis! Taulia Tagovailoa is the same player he's been for years. He doesn't ruin red zone drives by running backwards 30 yards *as often* but his accuracy still comes and goes because he's short and often throwing off-platform. OL looks like they can stop the pass rush but that's probably because the #1 way to contain Ta-Ta is to contain him. They also have just one really solid starter (LT Delmar Glaze) and a sub-FBS right side. Running game is awful. WRs aren't the dudes they used to be. Defensively they're kind of an MSU where everyone is meh. Some of the NFL prospects haven't matured into such, no real stars. Barham was supposed to break out but is having a Colsonesque sophomore year. Pass-rusher gets a lot of pressures but only on high volume. They will put five up and blitz. 3. Basketball starts at 36:30 Might want to pump the breaks on the 3-0 start if you're basing it on St. John's because we don't really know what Theseus's Pitino Team really is. Dug's the headliner—MEEP MEEP—and his speed was devastating to a defense that doesn't know each others' names. Shooting is due for a mean regression, probably, but they keep having someone go off every game. Defensively it's night and day from last year, and some of the breakdowns are because they're not yet used to the fact that they don't need to help each other. T-Will has slimmed down, and contextually he's a much better defender when he's not put on a court with a bunch of non-athletes. 4. Penn State After Review starts at 52:46 Blocking had a lot more mishaps than usual, probably because of the crowd noise and their difficulty snapping it. Barnhart's troubles weren't necessarily his fault because those DEs were timing the snaps perfectly. RPS was +10 despite not passing for 36 minutes because PSU was incapable of stopping themselves from flying upfield. Defensively Michigan played their OSU defense on 1st downs which bled 5 yards before they tightened up. Paige had a good day flying down to stop that. Grant broke out. Will Johnson is the prince that was promised. Colson reverted to his Janus ways. Michigan could close the door when they needed to. About the Featured Musician: DESMOND JONES This year we are partnering with The Blind Pig for bumper music, since that's where I've seen most of the bands I've been pushing anyways. This is the week we're featuring Desmond Jones, the five-piece Grand Rapids rock band with a sax and a tendency for improv. Yeah, I know, I've been doing a lot of funk lately—that's what I've been listening to, and this group's all over my Spotify recommendations, with a library that goes back to 2015. who plays the Pig on Friday, December 1st. Song choices: Sweater Weather Gone Poor Sylvester Also because Across 110th Street will get our Youtubes taken now now, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Robert received a letter from his lender stating they needed proof of his master condo association insurance. He and Damon examine why they need this proof and what they will do if they don't get it. They also riff on unique Arizona wildlife, movies with loan sharks, and how marching band trophies are different from the Stanley Cup.

We talk about the boots on the ground often on the pod, it's about time we bring one of those guys on to give his take on tech. This week, NYC Developer & Lender, Eric Brody, sits down with a real bonafide construction professional in the field, CNY Group's Senior Project Superintendent, Eugene Cernyak. We met on a job site and I knew immediately he was the future. He studied Construction Management at NYU and is currently on site managing construction on an iconic building in Greenwich Village. Needless to say, this guy knows his stuff. We answer burning questions and provide key insights for technologists and users alike. Where to find Real Tech Talk: IG: https://www.instagram.com/realtechtalk/ FB: https://www.facebook.com/realtechtalk TW: https://twitter.com/realtechtalkpod Where to find Eric Brody: IG: https://www.instagram.com/e_brody/ linkedin.com/in/ericbrody1/ Interested in becoming a sponsor? Being a guest? Joining the investment fund? Contact: eric@rttpodcast.com About Real Tech Talk: Leading developer, investor and native New Yorker, Eric Brody, bridges the gap between technologists and PropTech by having no nonsense, frank conversations with the minds behind some of the hottest new PropTech innovations. As someone with skin in the game on both sides of the deal, Brody invites the folks behind technologies he genuinely finds interesting to come present their product. The question is - do these new players actually make an impact in the real world of construction? Someone needs to bring the big ideas down to the ground level and determine how they will actually change the experience, if at all. Having raised over $2 million and counting for a PropTech investment fund himself, Eric Brody is tapped into this burgeoning scene with a unique, necessary perspective.

2 hour and 15 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, The Phil Klein Insurance Group, Winewood Organics, Human Element, Venue by 4M where we recorded this, The Nose Bleeds, which is the Sklars Bros' reboot of Cheap Seats on UFC Fight Pass, and INTRODUCING TO THE PODCAST: Sharon's Heating & Air Conditioning. 1. Offense vs Penn State Starts at 1:00 Michigan runs for 36 straight minutes of this game and still Penn State's defensive ends get out of their rushing lanes. Karsen Barnhart gets beat on three of the first four passes and Michigan decides "we're not going to do that anymore". The vibes were immaculate, though. The only way Michigan loses this game is by turning the ball over (fumble luck was on Michigan's side this game). Do you remember what JJ's one incompletion was? The implications of Penn State's pass rush probably doesn't apply that much to the Ohio State game. The noise of Beaver Stadium does play a factor. Would you still recruit Ryan Mallet in today's game? Anyone who can't get out of the pocket is not a modern Quarterback. Michigan should've just held up a giant board that said "run". 2. Defense vs Penn State Starts at 38:57 Shall we play the Drew Allar completion game? What do Sean Clifford and Drew Allar really have in common? Neither have had a functional offensive line. Drew Allar is 70% in a clean pocket and about 38% when under pressure. There was a lot of Cam Goode in this game. There was never really a point where you thought Michigan should change their defense in order to win this game. KENNETH GRANT RUNNING, MY GOD. Michigan was tipping off what they were doing on defense a lot. 3. Hot Takes, Game Theory, and Special Teams Starts at 1:08:10 Takes hotter than Penn State defensive linemen on 3rd and 11. We have shirts. Thank you, James Franklin, for giving us content for this segment! Penn State going for it on 4th and 6 in the 4th quarter was probably not a good idea. The first two point conversion was definitely not a good idea. Going for two is opening the box and finding out if the cat is dead or alive.  Officiating wasn't perfect but also didn't feel biased. 4. Around the Big Ten with Jamie Mac Starts at 1:35:22 Maryland - 13 Nebraska - 10 Three Nebraska quarterbacks threw interceptions in this game, Maryland had 92 penalty yards. This game had eight(!) turnovers. But hey, Maryland is bowl eligible. Illinois - 48 Indiana - 45 Just a debacle from the Indiana defense. Illinois QB John Paddock had 507(!!) passing yards. An Illinois player got ejected for spitting on an Indiana player. Iowa - 22 Rutgers - 0 A slow motion blowout. Iowa gets 402 yards of offense! This game had an over/under of 27.5 which is the lowest in collegiate football... and it still hit the under. Northwestern - 24 Wisconsin - 10 Northwestern is a win away from bowl eligibility. Wisconsin is now so far away from what God wanted Wisconsin football to be that now they're being punished. Purdue - 49 Minnesota - 30 Purdue somehow pulls off over 600 yards of offense and has two 100 yard rushers. Ohio State - 38 Michigan State - 3 Michigan State looks like they're just packing in the season now. Many Ohio State fans apparently are more confident after the Michigan Penn State game. MUSIC: “Leave Me Alone”— I Don't Know How But They Found Me “Confidence”— Ocean Alley “Power Man”—  The Kinks “Across 110th Street”

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Human Element, Ann Arbor Elder Law, Michigan Law Grad, The Phil Klein Insurance Group, Venue by 4M, Winewood Organics, Sharon's Heating & Air Conditioning, SignalWire where we recorded this, and introducing to the podcast, Autograph: Rewarding Fans, who just launched an app where you earn rewards for things like reading MGoBlog and listening to our podcast. Featured Musician: Chirp The Video: [After THE JUMP: The things said.] --------------------- 1. Sign-Gate and Penn State Preview: Defense starts at the top No news unless the Big Ten hands down a suspension to a coach who's already in Happy Valley, which would on its owns be grounds for a judge to issue an immediate injunction. We infer from Michigan's letter that the B10's case right now is as substantial as your average Ohio State twitterer, and that putting this in the realm of courts where facts matter more than what amoral hypocrites want to believe dramatically alters the parameters. Local sports radio probably isn't where you should be going for investigative news—the thing about Michigan having other schools for Stalions operations feels bogus on the surface. The Penn State defense is very good. The engine is the ends—even if Chop Robinson isn't full-go they have three more very good ones. DTs aren't bad; there's one whom Alex likes but Seth thinks he's exploitable. They blitz a lot, play a lot of man, got beat by Ohio State because Kalen King really isn't the star he's made out to be. Manny Diaz effect. The way Michigan loses this game is turnover. 2. Penn State Preview: Offense starts at 26:39 They torch bad defenses who can't pressure Drew Allar, who's 39% accurate when off-platform and 78% accurate when his feet are set. We saw the same thing last year. Only have one receiver. RBs are having Donovan Edwards-like years—Allen can do RB things but Singleton is kind of a gadget guy. OL cannot run block; they can pass protect okay. Theo Johnson is having to be their 2nd receiver. Why pick Michigan over the spread on this one: PSU is bult to blow up a UMass but fall off a cliff when you can match up to them athletically. Stunts are a big problem for them. Wild that they can't develop OL; Seth notes he talked to recruit's dad who said his kid's already more developed than Fashanu. 3. Basketball starts at 45:27 They're scoring! Dug is seeing the court well, though he won't be shooting 60 percent with a 40 percent assist rate. Nkamhua has been a revelation—immediately a captain, exactly what we want for a one-and-done. Imagine Tray Jackson instead of Caleb Houstan or Jett Howard. Quantum leap defensively. Having athletic defenders out there means you can use a T-Will or a Tschetter because they're not so athletically exposed. Need a backup PG—gonna be a nervous few months waiting until Llewellen gets healthy. 4. Purdue After Review starts at 57:36 Our Michigan homerism apparently extends to defending JJ McCarthy's performance as REALLY GOOD YOU GUYS, except this is a defensible position (and PFF agreed). His marginal throws are still very catchable, and when they're caught nobody notices. YMMV on 4 or 5 of them but even if then it was a excellent day from him. Not a good day from the OL; Seth thinks these guys are all guards recruited for a run-first offense and this is kind of what happens against an opponent who makes you pass-first and has two great edge rushers. Defensively it's really hard to beat Michigan because they can put five guys against your five guys and someone will win a block to get your back. It was the Will Johnson Show otherwise—he was doing things away from the ball as well as coming to it. About the Featured Musician: CHIRP This year we are partnering with The Blind Pig for bumper music, since that's where I've seen most of the bands I've been pushing anyways. This is the week we're featuring the four-piece Ann Arbor band Chirp, which has a funky rock/jazz fusion thing going on. Their live shows are the main thing; they have a dedicated fanbase who remind me of Deadheads of a generation earlier even if the musical style isn't any more jam band than anything else. The music is bright and catchy and keeps you on your toes; they're at their best when just getting lost in the music because there's some real musicians with proggy ideas under all the good times. They've been touring since 2015 and return to the Pig next week. Song choices: Solo By the Book Move Also because Across 110th Street will get our Youtubes taken now now, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Welcome to the unSeminary podcast. Today we're talking with Mark Briggs, the Executive Vice President of Ministry Lending at CDF Capital. CDF Capital is dedicated to helping churches solve problems and bridge the financial gap often faced when trying to expand and reach more people. Mark has been with CDF for over 20 years, helping churches […]

In a rare interview, two Genesis creditors discuss their dealings with the lender and DCG, including the sales pitch that got them to give Genesis new loans after the 3AC debacle. Two Genesis creditors, BJ and Branden, who prefer to use pseudonyms for security reasons, spoke with Unchained about the alleged fraud by the crypto lender and its parent company, Digital Currency Group (DCG). The discussion is one of the first times Genesis creditors have spoken with a media organization about the situation. BJ and Branden explain how they gave more loans to Genesis after it took a $1.1 billion hit from the liquidation of Three Arrows Capital and how they then came to be members of the ad hoc group, a collective of Genesis customers who came together to try and save the company from bankruptcy. They talk about how they now want DCG to pay back the $1.1 billion it owes over a shorter timeframe and to pay back any Bitcoin in actual Bitcoin. The discussion with Unchained followed shortly after New York Attorney General Leticia James filed a lawsuit against Genesis, along with its parent company Digital Currency Group, and Gemini Trust. Listen to the episode on Apple Podcasts, Spotify, Overcast, Podcast Addict, Pocket Casts, Stitcher, Castbox, Google Podcasts, Amazon Music, or on your favorite podcast platform.Show highlights | What NYAG Letitia James alleged in the lawsuit against Gemini, DCG, and GenesisHow BJ and Branden became creditors of GenesisHow Genesis claimed it got into what it called a “liquidity mismatch”How, after the Three Arrows Capital collapse, BJ and Branden were reassured that Genesis had "no issues" and "was back to business" Whether the trading and lending units of Genesis were all part of the same company and why that distinction is important.What the difference is between the ad hoc group and an unsecured creditors committeeWhat the creditors are proposing in order to get their assets backWhy the creditors want to be paid in crypto, not in USDWhether the case will go to litigation and what Silbert can do to avoid itThank you to our sponsors! | Crypto.com | Arbitrum Foundation | Phemex| Popcorn NetworkGuests| Branden, Creditor of GenesisBJ, Creditor of GenesisLinks | Previous coverage of Unchained on Genesis and DCG:Genesis May Be Facing Bankruptcy. Could It Take DCG Down With It?Gemini vs. DCG Is Heating Up. Could Gemini Force Genesis Into Bankruptcy?$630M Due Next Week: Is DCG at Default Risk?NYAG LawsuitUnchained: NY Attorney General Sues Crypto Firms Gemini, Genesis, and DCG for Over $1 Billion FraudThe Block:DCG says it was 'blind sided' by NYAG suit in third quarter shareholder letterGenesis, Gemini, DCG disputesUnchained: Gemini Says DCG Missed $630 Million Payment Last WeekCameron Winklevoss Threatens to Sue DCG and Barry Silbert Over Delays in Genesis ResolutionDCG Calls Gemini Lawsuit a ‘Publicity Stunt' From Cameron WinklevossDCG Calls Gemini's Complaint a PR Campaign in Motion to Dismiss LawsuitFTX and Genesis Reach $175 Million Settlement, Resolving Complex DisputeDCG and Genesis Reach In-Principle Deal With CreditorsGemini and Genesis Creditor Groups Object to In-Principle Deal to Resolve BankruptcyGenesis Winds Down its US Spot Crypto Trading OperationGenesis Sues Parent Company DCG, Seeks Repayment of $600 MillionDCG Proposes Remuneration Plan That Could Enable Gemini Earn Users to Be Made WholeGenesis Winds Down All Crypto Trading Services: ReportGemini Pushes Back on DCG's Remuneration Proposal, Calling it an ‘Attempt to Bait' Earn UsersDisclaimer: Genesis and CoinDesk are both owned by DCG.Unchained Podcast is Produced by Laura Shin Media, LLC. Distributed by CoinDesk. Senior Producer is Michele Musso and Executive Producer is Jared Schwartz. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2 hour and 11 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, The Phil Klein Insurance Group, Winewood Organics, Human Element, Venue by 4M where we recorded this, The Nose Bleeds, which is the Sklars Bros' reboot of Cheap Seats on UFC Fight Pass, and INTRODUCING TO THE PODCAST: Sharon's Heating & Air Conditioning. 1. Offense vs Purdue Starts at 1:00 EDITOR NOTE: I am also spending a lot of time compressing Brian's voice. The worst night game to have is the crappy night game, especially when USC Washington and Alabama LSU are on! It says something that JJ hit 60% of his passes and threw for over 300 yards and everyone's like "what's wrong with JJ?" When do you want to save a play and when do you want to put it on tape? Donovan Edwards has not been utilized properly, are they saving a package for him against Penn State? Starting tackles gave up some sacks but otherwise played pretty well (Purdue has a pair of NFL defensive ends). Is the way to beat JJ by playing a lot of zone defense?   2. Defense vs Purdue Starts at 43:20 Michigan wasn't getting sacks against Hudson Card but they were pressuring him on every play. It'll be curious to see who actually rotates against Penn State. Starting to feel like we're getting the 2021 version of Rod Moore, which is encouraging. Junior Colson took a step in the right direction, Josh Wallace also played well. All of the ends are a higher level than we predicted at the beginning of the year. 3. Hot Takes, Game Theory, and Special Teams Starts at 1:02:36 Takes hotter than Santa Ono's letter to Tony Petitti. Why is Purdue football every five years just two NFL defensive ends and nothing else? The 4th and one felt like a good decision, the formation wasn't. Michigan hasn't kicked a field goal in forever so it was good to see it still works. Starters played well into the 4th quarter. 4. Around the Big Ten with Jamie Mac Starts at 1:25:22 Penn State - 51 Maryland - 15 Maryland turns the ball over four times and rushes for -49 yards. Yup, we're at November Maryland, they are no longer a trap game. When Drew Allar can set his feet and have time to throw he looks like the five star he's supposed to be, but when you pressure him he's shaky. They probably won't be able to run against Michigan but they still have one of the best defenses in college football. Ohio State - 35 Rutgers - 16 Rutgers is leading 9-7 at halftime but throws a pick-six while driving in the 3rd quarter. Rutgers outgains Ohio State 361-328. We experienced for a moment what it was like being a Rutgers fan and it wasn't fun. Iowa - 10 Northwestern - 7 Neither team gets more than 200 yards and Iowa is alone in first place in the West. He can't keep getting away with it. Indiana - 20 Wisconsin - 14 How did Indiana win this? Uhh, one good pass play? Wisconsin outgain Indiana 344-261. Indiana took the lead and just waited for the time to run out before Wisconsin came back. Michigan State - 20 Nebraska - 17 Nebraska gets back to their old self, turning the ball over three times. Illinois - 27 Minnesota - 26 Illinois wins on an improbable last minute drive with their backup QB. A disappointing game for anyone who didn't want to see Iowa in the Big Ten Championship Game. MUSIC: “Make Me Thomas”— supercooper! ft. Jawn Legend “The Stones I Throw”— Levon and the Hawks “Are You Gonna Run”—  Low Cut Connie “Across 110th Street”

Two Genesis creditors, BJ and Branden, who prefer to use pseudonyms for security reasons, spoke with Unchained about the alleged fraud by the crypto lender and its parent company, Digital Currency Group (DCG). The discussion is one of the first times Genesis creditors have spoken with a media organization about the situation.   BJ and Branden explain how they gave more loans to Genesis after it took a $1.1 billion hit from the liquidation of Three Arrows Capital and how they then came to be members of the ad hoc group, a collective of Genesis customers who came together to try and save the company from bankruptcy.   They talk about how they now want DCG to pay back the $1.1 billion it owes over a shorter timeframe and to pay back any Bitcoin in actual Bitcoin. The discussion with Unchained followed shortly after New York Attorney General Letitia James filed a lawsuit against Genesis, along with its parent company Digital Currency Group, and Gemini Trust. Listen to the episode on Apple Podcasts, Spotify, Overcast, Podcast Addict, Pocket Casts, Stitcher, Castbox, Google Podcasts, Amazon Music, or on your favorite podcast platform. Show highlights: what NYAG Letitia James alleged in the lawsuit against Gemini, DCG, and Genesis how BJ and Branden became creditors of Genesis, including the role of the influence of MicroStrategy's Michael Saylor how Genesis claimed it got into what it called a “liquidity mismatch” how, after the Three Arrows Capital collapse, BJ and Branden were reassured that Genesis had "no issues" and "was back to business" whether the trading and lending units of Genesis were all part of the same company and why that distinction is important what the difference is between the ad hoc group and an unsecured creditors committee what the creditors are proposing in order to get their assets back why the creditors want to be paid in crypto, not in USD whether the case will go to litigation and what Silbert can do to avoid it   Thank you to our sponsors! Crypto.com Arbitrum Foundation Phemex Popcorn Network Guests: Branden, Creditor of Genesis BJ, Creditor of Genesis Links Previous coverage of Unchained on Genesis and DCG: ​​Genesis May Be Facing Bankruptcy. Could It Take DCG Down With It? Gemini vs. DCG Is Heating Up. Could Gemini Force Genesis Into Bankruptcy? $630M Due Next Week: Is DCG at Default Risk? NYAG Lawsuit Unchained: NY Attorney General Sues Crypto Firms Gemini, Genesis, and DCG for Over $1 Billion Fraud The Block: DCG says it was 'blind sided' by NYAG suit in third quarter shareholder letter Genesis, Gemini, DCG disputes Unchained: Gemini Says DCG Missed $630 Million Payment Last Week Cameron Winklevoss Threatens to Sue DCG and Barry Silbert Over Delays in Genesis Resolution DCG Calls Gemini Lawsuit a ‘Publicity Stunt' From Cameron Winklevoss DCG Calls Gemini's Complaint a PR Campaign in Motion to Dismiss Lawsuit FTX and Genesis Reach $175 Million Settlement, Resolving Complex Dispute DCG and Genesis Reach In-Principle Deal With Creditors Gemini and Genesis Creditor Groups Object to In-Principle Deal to Resolve Bankruptcy Genesis Winds Down its US Spot Crypto Trading Operation Genesis Sues Parent Company DCG, Seeks Repayment of $600 Million DCG Proposes Remuneration Plan That Could Enable Gemini Earn Users to Be Made Whole Genesis Winds Down All Crypto Trading Services: Report Gemini Pushes Back on DCG's Remuneration Proposal, Calling it an ‘Attempt to Bait' Earn Users   Learn more about your ad choices. Visit megaphone.fm/adchoices

Ahead of the Women in Finance Summit and Awards 2023, we're catching up with some of the leading women in the financial services space. In this episode, we chat to Anjali Crossette, manager of motor operations at non-bank lender Liberty, about breaking barriers and misconceptions about car finance and why she believes the industry needs to showcase gender diversity across every rung of the career ladder. Tune in to find out: Why the finance industry is an attractive industry to work in for women. The progress being made in gender diversity in car finance. How Liberty is leading the way by example. And much more!

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Human Element, Ann Arbor Elder Law, Michigan Law Grad, The Phil Klein Insurance Group, Venue by 4M, Winewood Organics, Sharon's Heating & Air Conditioning, SignalWire where we recorded this, and introducing to the podcast, Autograph: Rewarding Fans, who just launched an app where you earn rewards for things like reading MGoBlog and listening to our podcast. Featured Musician: Joe Hertler & the Rainbow Seekers The Video: [After THE JUMP: The things said.] --------------------- 1. Sign Stealing Scandal-Like Substance starts at the top The more facts begin to overtake wishcasting the better off Michigan looks. No news but the bullshit level has gone up considerably as Big Ten coaches take the opportunity afforded by media sensationalism to get the Big Ten to punish Harbaugh before there's an investigation. Why? Probably because Michigan's own investigation determined they're in the clear to give Harbaugh a major contract. So either they're such idiots they actually believe Connor Stalions is the reason Michigan won so many games in 2021-'23, or they're smart enough to realize the results of an investigation won't match their preferred outcome. MSU's AD is one of two people willing to put their names to the pearl-clutching, and he's saying he's worried about the health and safety of his players, which shows you exactly how unserious the people trying to make this serious are. 2. Purdue Preview: Defense starts at 16:43 Ryan Walters brings his 5-1 "no-name" defense. They have two good pass rushers who are too big to drop into coverage, which they do on 40% of passing snaps. They bring five a lot, vary things by looping and bringing cornerbacks. Main structure is man everything: 5 DL for 5 OL, LBs or safeties for everyone in the backfield, and Cover 1 behind it. Giving up lots of yards because they tried to play this with Ohio State. Two best players in the secondary are true freshmen because it's a Year Zero situation. 3. Purdue Preview: Offense starts at 31:45 Fourth straight quarterback that Alex cyan'd, but this is on the better end of the cyan quarterbacks and maybe not fair because you took Card out of an offense where he got to pass to the most talented receiver in America to not that. Still have Devin Mockobee who will hurdle fools but also fumble, so they're using Tyrone Tracy, the former Iowa WR, as their guy. Tackles went from bad to worse over injuries, which limits their ability to run the ball unless you let them double your DTs with stretch zone using three good interior OL. 4. MSU After Review starts at 42:47 New level of Seeing It from JJ McCarthy, still not seeing it from the running backs. Good game for Drake Nugent—haven't had a chance to chart him much before now but he did a great job handling MSU's twist blitzes. Defensively Michigan used MSU's unpreparedness against them, getting them to fall into easy traps. Often it was players causing these by seeing something and making calls or shifting where they stand. MSU was having someone run in plays for a bit then gave it up because it was stupid. About the Featured Musician: JOE HERTLER & THE RAINBOW SEEKERS This year we are partnering with The Blind Pig for bumper music, since that's where I've seen most of the bands I've been pushing anyways. This is the week we're featuring the grooves of Joe Hertler & The Rainbow Seekers, who will be playing two back to back shows at the Blind Pig in Ann Arbor on November 10th & 11th. I just love the energy of this band—wife and I have been shaking our shoulders from our opposite desks all day as I've had these guys on mix. They've played Bonnaroo, Electric Forest, and Summer Camp, but eluded me until I saw them on the Pig's schedule. Since then I leared Hertler and guitarist Ryan Hoger had a Motown-influenced thing going until they lucked into musical prodigy/plays everything Micah Bracken to find their sound, adding a saxophonist and drummer to complete the set. I haven't seen them live but they're supposedly one of the most entertaining groups that play around here so that'll have to change soon. Song choices: What I Want Old Love Find Me Also because Across 110th Street will get our Youtubes taken now now, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Ahead of the Women in Finance Summit and Awards 2023, we're catching up with some of the leading women in the financial services space. In this episode, we chat to Anjali Crossette, manager of motor operations at non-bank lender Liberty, about breaking barriers and misconceptions about car finance and why she believes the industry needs to showcase gender diversity across every rung of the career ladder. Tune in to find out: Why the finance industry is an attractive industry to work in for women. The progress being made in gender diversity in car finance. How Liberty is leading the way by example. And much more!

*NEW ITEM!* Purchase my newest book! "15 Conversations with Real Estate Millionaires" https://amzn.to/3CGOWOU

1 hour and 40 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, The Phil Klein Insurance Group, Winewood Organics, Human Element, Venue by 4M where we recorded this, The Nose Bleeds, which is the Sklars Bros' reboot of Cheap Seats on UFC Fight Pass, and INTRODUCING TO THE PODCAST: Sharon's Heating & Air Conditioning. 1. The Latest on Signgate Starts at 1:00 The developments that have developed are basically nothing. Feels like we know pretty much what there is to know, it's just a matter of what happens next from the NCAA. Michigan could be the first program hit with the NCAA's new rule of "if a staffer gets in trouble, the head coach also gets in trouble". There's some failure on the part of Warde Manuel. What is the actual competitive advantage of stolen signals? College football coaches are the most paranoid people in America. Based on how the NCAA has handled these issues, it seems extremely unlikely that anything will happen to Michigan this season. Worst case scenario would be Jim Harbaugh gets a show-cause a year or two down the road. [The rest of the writeup and the player after THE JUMP] 2. Michigan Men's Basketball Backcourt Starts at 22:37 Dug McDaniel is the most established guard. Freshmen point guards can be shaky, McDaniel's trajectory for his sophomore year is encouraging. Jaelin Llewellyn is your next most established guard. We didn't see a lot of him last year since he tore his ACL but he should be full go by now. Hard to know how much we're getting back from him after his injury. Nimari Burnett transfers as a rotation player from an Alabama team that was the 3rd best defense in college basketball last year. His offensive upside is unknown, Charles Matthews is a good comparison. George Washington III was described by Dug McDaniels as a good shooter but probably won't see more than 10 minutes per game. Jace Howard is listed as a guard but it's unlikely that he'll be a lot more than he was last year.  3. Michigan Men's Basketball Frontcourt Starts at 45:38 Takes hotter than Edward Norton Jr. after seeing Connor Stalions on the sidelines at CMU and he's like "I GOT THIS ROLE. THIS IS ALL ME, BABY". Tarris Reed is your starter, who is also Not Hunter Dickinson. He was slightly better defensively than Hunter Dickinson but the offensive drop-off was much bigger. Also needs to be better than 40% at free throws! Olivier Nkamhoua was a big contributor for the #1 defense in the country last year. That is already a huge upgrade defensively at the 4. He won't solve all your problems but is a very good, veteran basketball player. Seth thinks the final starting spot is Terrance Williams II, Brian thinks it's Tray Jackson. Will Tschetter: exists. Youssef Khayat could be a guy.  4. 2023-2024 Men's Basketball Overview Starts at 1:21:19 Making the tournament is a reasonable goal for this team. Where is Michigan going to get their points from? This gets made up by the massive defensive improvements. Michigan loses Jett Howard to the NBA but Michigan was a better team without Jett Howard. Juwan Howard is still recovering from heart surgery and has not been available in the pre-season coaching. There are going to be some hiccups with this team but all the transfers coming in are very experienced players from good teams. The vibes were awful last year but should be much better this year.  MUSIC: “U-Love”— J Dilla “Crosshairs”— Dangerdoom, MFDoom “Smooth Aisles”—  Michael Nau “Across 110th Street”

If you are going to miss a bill payment, let your provider or lender know. Many have ways of helping you, and it can help lessen the impact on your credit score. WWJ's Murray Feldman has more. 

Welcome to the October episode of Learn with a Lender with Joel Schaub of Guaranteed Rate! In this episode Joel discusses the importance of delegation, how to make it a success and how this will help you grow your business. Joel talks about events he organizes every month. Joel also discusses rates and what he's doing to […]

Choosing the best lender often means more than just getting the best rate. Doug talks about comparing interest rates, lender credits, PMI, etc.   It never hurts to talk to more than one lender to see what is available to you.    To learn more about Doug Crouse or to get a free copy of his book, go to www.DougCrouse.com.  

Got a question for the trio? https://forms.zohopublic.com/propertyplanningaustralia/form/GotaquestionforthePropertyTrio/formperma/zYCQAxzE_24CVlDafP1ozyzwtmB-8m1iCNtCTgDvHXMThe Trio kick off this exciting ep by defining where apartments sit in the unit subset, and Dave shares with the listeners his favoured types of apartments. Some of Dave's criterion paves the way for a high-scoring gem... he shares some valuable must-haves and nice-to-haves. Highly sought-after, great allure, attractive land to asset ratio and unbeatable locations! Dave shares some startling facts about the recent historical capital growth performance of apartments versus houses. Core Logic did a study in August 2022 for the last thirty years across the two data sets. While the data showed that combined capitals exhibited 450% growth for houses, while units only clocked 307%, and for regions the house data set tracked 314%, and units, 213%. Cate discusses some of the reasons for this relative underperformance and she also chats about the mistakes that some have made in the past when they were aligned to one geographic base and ignored other gentrifying options with strong growth drivers. As Mike says, "Blue chip or bust? It doesn't make sense. Their model doesn't have flexibility." Will the older style apartments bounce back? Only time will tell, but Cate discusses the 'apartment renaissance' that she's noticed of late, particularly with an aging population. Mike cracks into the 1,000 Assets Study, specifically a trip down memory lane since 2016. Initially 47% of their investor study were purchasing units. Into 2018/2019, it dropped to 40%, and following this, a huge drop-off surprised Mike, with a recent figure of 18% recorded. Mike puts this down to a few factors, including the pandemic, horrific building defects and cladding issues, and the evolution of investor education. This, coupled with the increasing number of units per building has translated into heightened apartment avoidance for many investors.Unit complexes are getting bigger and the average count of apartments per building has risen from 61 to 110 over this period. Buyers do tend to red flag huge developments, particularly of late. "Your job is to help them grow wealth, not to save them tax" is one of Cate's sayings when it comes to accountants recommending new properties. Cate shares some of the common reasons why buyers have been more fearful about some apartment subsets in recent years. From off the plan risks to lender appetites, there are a few alarm bells that listeners should pay attention to.But the Trio talk about some of the positive changes they've seen across developments and designs of late. Cate talks about the elephant in the room; strata fees and expensive special levies. It's a must-listen!And Mike treats our listeners to a chapter on the Rental Loss Index and their subsequent study. From oversupply to high vacancy rates, this insight is particularly powerful for investor insight. And our gold nuggets……Cate Bakos's gold nugget: Cate takes a leaf out of the Property Professor's handbook. She urges investors not to purchase off the plan, high-rise apartments.Mike Mortlock's gold nugget: Mike reminds listeners that not all units are bad! They can also have a decent Land to Asset Ratio. Show Notes: https://www.propertytrio.com.au/2023/10/23/all-things-apartments-part-2/

2 hours and 11 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, The Phil Klein Insurance Group, Winewood Organics, Human Element, Venue by 4M where we recorded this, The Nose Bleeds, which is the Sklars Bros' reboot of Cheap Seats on UFC Fight Pass, and INTRODUCING TO THE PODCAST: Sharon's Heating & Air Conditioning. 1. Offense vs Michigan State Starts at 1:00 There was an initial reaction to be nervous about this game due to the history of this rivalry but Michigan does not care. Seth got an Epic Double Bird from a Michigan State player. We love this team. The story of Mike Sainristil and Michael Barrett are what this era of Michigan football are all about. They're such dorks (this is not a diss). Michigan fans absolutely drowned out Spartan Stadium in this game. JJ had a Tom Brady throw in his touchdown pass to Colston Loveland. When the pocket breaks down, JJ is like Houdini. If you let JJ sit in the pocket, he hits his dig routs and you die. If you rush him, it's even worse! Alex Drain's pre-season hot take about AJ Barner was accurate! The run game was a bit stagnant, though. MSU was prepared for the RPS. It's funny that JJ is having his Heisman campaign going on but opposing defenses are still saying "grr we gotta stop the run."   2. Defense vs Michigan State Starts at 45:30 Michigan State was simply not ready for the smoke here. Michigan went back to rotating a lot because this was over by the 4th drive. Why are you not blocking Mason Graham or Braiden McGregor? Derrick Moore had a good game by beating tackles. You rotate out Kenneth Grant and Mason Graham comes back out so... how do you beat that? Rod Moore was in on the final drives of the game. Junior Colson played a great game, is he the only weakness on this defense? And if so, how do you approach this defense if he's playing well? 3. Hot Takes, Game Theory, and Special Teams Starts at 1:05:19 Takes hotter than the seat of whoever put a seemingly innocuous video quiz up on the Michigan State scoreboards. If Michigan switched their offense and defense against Purdue, who should play what position? Clock management at the end of the first half is a point of discussion. Aside from the results, it was one of Jim Harbaugh's best two-minute drills of his career at Michigan. DENTAL PLAN. LISA NEEDS BRACES. We couldn't even get to Segment 4 without having to talk about James Franklin's game theory. 4. Around the Big Ten with Jamie Mac Starts at 1:25:47 Ohio State - 20 Penn State - 12 Penn State's offense cannot do anything. Ohio State has Marvin Harrison Jr., they win, the end. Penn State only gave up 20 points, was there anything they could have even done differently? Some of Penn State's play calls were incredible stupid, what are you doing, James Franklin? Penn State ran the Tecmo Bowl Flea Flicker but they ran it out of a play they never run. Ohio State backup QB Devin Brown went out of this game so if Kyle McCord gets hurt, who is even the next guy up? Minnesota - 12 Iowa - 10 The funniest and saddest game of the week. Iowa knew their best chance of winning this game was Cooper DeJean getting a punt return and he had an amazing return get called back because he technically waved his hand. Was it easily to interpret that as a fair catch signal? Could Iowa still win the west? Nebraska - 17 Northwestern - 9 Another hideous Big Ten West game, 257 yards to 248. Is Nebraska looking at possibly seven wins this season? It'll be interesting to see what happens when they go against Maryland. Wisconsin - 25 Illinois - 21 Illinois booted this one away. Wisconsin wins off of 18 4th quarter points. Wisconsin might still be the favorite to win the Big Ten West? Rutgers - 31 Indiana - 14 Rutgers is going bowling!! BryMac, we have tickets for you. "Penn State is Iowa with a finished basement." MUSIC: “I Saw The Sign”— Ace Of Base “Signs”— Kodak Black “Signs”—  Five Man Acoustical Jam “Across 110th Street”

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Human Element, Ann Arbor Elder Law, Michigan Law Grad, The Phil Klein Insurance Group, Venue by 4M, Winewood Organics, Sharon's Heating & Air Conditioning, SignalWire where we recorded this, and introducing to the podcast, Autograph: Rewarding Fans, who just launched an app where you earn rewards for things like reading MGoBlog and listening to our podcast. Featured Musician: May Erlewine The Video: [After THE JUMP: The things said.] --------------------- 1. Sign Stealing Scandal-Like Substance starts at the top It's funny but also not funny anymore that they keep empowering this asshat to go on a personal vendetta. 2. MSU Preview starts at 22:38 Not good. RB Nate Carter can run but Katin Houser is Noah Kim with more forgiving cornerbacks. 2. MSU Preview starts at 38:39 DT Simeon Barrow is the guy to watch on defense but most of them are just so mid. 4. Indiana After Review starts at 53:35 More of the same. JJ and Graham are All-Americans. Offense is bringing out interesting counters to Duo as they develop that game instead of zone stretch. Defense's thing this week was snags. The TD was a situational awareness issue. Colson talk? No. Barrett talk: yes. About the Featured Musician: MAY ERLEWINE This year we are partnering with The Blind Pig for bumper music, since that's where I've seen most of the bands I've been pushing anyways. This is the week we're featuring May Erlewine, who's got a show coming up at the Ten Pound Fiddle Coffee House on Friday, Nov. 3rd at Michigan State University in East Lansing. She's one of the most prolific singer-songwriters of the Midwest and has grouped with countless musicians around here. She's explored a lot of different sounds but she's at her best when just sitting on a chair with a guitar. Her voice on stage encourages connectedness and stresses the importance of environmental advocacy, social justice, creative empowerment and community building as necessary work for all of us. Song choices: Anyway Never One Thing Like Moses (Malone) Also because Across 110th Street will get our Youtubes taken now now, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

The Adviser's What's Making Headlines? podcast runs down the big news stories for the week in bite-sized chunks to keep you in the loop. Join Adrian Suljanovic and Annie Kane as they talk about new beginnings in the aggregator and lender spaces, updated regulations and some exciting news from a non-bank lender. This week they discuss: A brand new asset finance aggregator enters the fray. ASIC licensee changes. A loan offering aimed at addressing a “gap in the market”. And much more!

2 hours and 11 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, The Phil Klein Insurance Group, Winewood Organics, Human Element, Venue by 4M where we recorded this, The Nose Bleeds, which is the Sklars Bros' reboot of Cheap Seats on UFC Fight Pass, and INTRODUCING TO THE PODCAST: Sharon's Heating & Air Conditioning. 1. Offense vs Indiana Starts at 1:00 The first quarter was annoying but no one was ever worried, it ended up being a transitive property victory over Ohio State! “JJ's incompletions” is once again a short segment. “JJ's sacks” are a more interesting conversation. Credit Indiana's defense for playing smart in this one. The offense scores on eight straight drives and that was that. JJ is elite when he has to go off script, exactly what you need to be a national championship contender. How Michigan football is like watching a ferret get drowned by a psychopath. Should Blake Corum be selling the flea flicker more? There were some run block errors. Is AJ Barner actually the best tight end on the team? Benjamin Hall looked great and is an encouraging replacement for Mullings right now. Apparently Semaj Morgan's nickname is "Jukebox", which, yeah.  [The rest of the writeup and the player after THE JUMP]   2. Defense vs Indiana Starts at 48:30 This was annoying for a quarter. Linebackers and defensive ends are still not doing great in drop backs. They're practicing their Ohio State defense every week, might as well practice it against Indiana. There was a receiver running wide open on the first interception. Linebacker play wasn't the greatest, Junior Colson doesn't have all the right instincts. Michigan is trying to develop depth by rotating defensive players a lot, this probably goes away against Michigan State. Mike Barrett is a tremendous blitzer. Mason Graham club hand fumble recovery! Can we get a FB Wheel touchdown to Kenneth Grant next year? Sounds like it's ride or die with Josh Wallace at CB2. Rod Moore played good, hopefully he's back to mid-season form.  3. Hot Takes, Game Theory, and Special Teams Starts at 1:11:21 Takes hotter than Marcus Freeman after he defenestrated USC. Is Michigan football listening to this podcast?? Tyler Morris should be the go-to punt returner, Semaj Morgan is the go-to kick returner. KYLE, YOU AGAIN? Going for it on 4th and 2 near the endzone felt like the right thing to do. 4. Around the Big Ten with Jamie Mac Starts at 1:30:11 Rutgers - 27 Michigan State - 24 One of the greatest comebacks in Rutgers football history went mostly unnoticed. Michigan State has Trouble With The Snap. The Situation Trophy is in Piscataway! Michigan State isn't a good team but they always show up for Michigan so Michigan can't have a slow start again. Iowa - 15 Wisconsin - 6 Iowa gains 237 yards, 82 of them on one run. Deacon Hill goes 6/14 for 37 yards. Wisconsin throws the ball 50 times. Iowa has a clear path to the Big Ten title game despite being down a starting QB and their two top tight ends. Their punting is still top notch. Iowa is 10-1 in games where Tory Taylor punts at least 8 times.  Illinois - 27 Maryland - 24 We're in the transitive business until it makes us feel bad. Given how Ohio State looked against Maryland, this has to look good for Michigan.  Ohio State - 41 Purdue - 7 Purdue, buddy, you can't one-on-one Marvin Harrison. They have Purdue Don Brown as their defensive coordinator. Ohio State might have some concerning depth issues at running back, Trayanum went out with a possible concussion. Cade Stover has stepped up this year.  Penn State - 63 UMass - 0 Apparently Penn State just doesn't throw downfield. UMass also got five sacks. Their game against Ohio State might be a rock fight. MUSIC: “Evicted”— Wilco “The Ruminant Band”— Fruit Bats “Catch a Glimpse”—  Aaron Ross “Across 110th Street”

Joesph Kelly is the CEO of Unchained — a bitcoin financial services company that offers services including trading, inheritance solutions, bitcoin-backed loans, and tax-advantaged bitcoin retirement accounts. In this episode, Kelly explains how his firm managed to become "the last lender standing in the US market for bitcoin-backed loans," and how Unchained has experienced growth despite rising federal interest rates. Earlier this year, Unchained raised $60 million in a Series B funding round led by Valor Equity Partners.  

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Human Element, Ann Arbor Elder Law, Michigan Law Grad, The Phil Klein Insurance Group, Venue by 4M, Winewood Organics, Sharon's Heating & Air Conditioning, and SignalWire where we recorded this. Featured Musician: Pajamas The Video: [After THE JUMP: The things said.] --------------------- 1. Indiana Preview: Offense starts at noon Might be the worst we face, despite a few nice pieces. QB situation is awful: Tayven Jackson won the job because Brendan Sorsby is worse and the guy they were hoping to use is probably out for the season. They really miss AJ Barner as they have a group of TEs who are all pretty bad. A couple of longtime starters on the interior. Jaylin Lucas is a jitterbug to be wary of, and the one thing that's really been working. Seth thinks Cam Camper is a star, Alex refuses to Dangerman more than one player on this awful offense. 2. Indiana Preview: Defense starts at 12:15pm Tom Allen knows how to coach a defense. Watch out for cornerback blitzes and funky stuff, but they're pretty rough in some places. Don't know how they got Andre Carter from WMU—their other transfers are bad and there are many of them. Aaron Casey at MLB is the guy to watch as a squirrely LB who get his nose into places. How did they give OSU fits? 3. Seth's Hockey Cast starts around 12:30pm First weekend results are mixed. The 4-on-5 and 5-on-6 units need work. Goalie situation: not great. Defense is three deep—three dudes not lines—even though the top is great. Grittiness is a check but speed lacking from previous talent-overloaded teams. 4. Minnesota After Review starts around 12:45pm More of the same. JJ and Graham are All-Americans. Offense is bringing out interesting counters to Power as they develop that game instead of zone stretch. Defense's thing this week was stretches, because they will spread out their edges and leave the DTs with no linebacker help. Understandable, but exploitable. Also it only got them a 54-yard FG attempt. The TD was a situational awareness issue. Colson talk? About the Featured Musician: PAJAMAS This year we are partnering with The Blind Pig for bumper music, since that's where I've seen most of the bands I've been pushing anyways. This is the week I've been saving for personal fave Pajamas, an Ann Arbor jammy quartet that creates a psychedelic improvisational rock and funk music. Since forming in 2015 Pajamas has played hundreds of shows across the Midwest and beyond. They've opened for big touring acts across the Midwest and are coming to the Blind Pig on October 28th (the bye week) for two sets. The second is a bunch of Pink Floyd covers. Song choices: Time & Place Where the Story Ends Soothe Your Groove Also because Across 110th Street will get our Youtubes taken now now, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Ahead of the Women in Finance Summit and Awards 2023, we're catching up with some of the leading women in the financial services space. Joanna James is an advocate for constant reinvention and resilience, having adapted to change over her career in the finance space herself. Having worked in the lending space for more than 20 years – including as the general manager of non-bank lender Mortgage Ezy – she now helps support women in building successful businesses through Artemis Space, a women's community group delivered by the Finance Brokers Association of Australia. In this episode, Annie Kane sits down with Ms James to find out: Why success is subjective. The power of visualisation, emotionalisation and manifestation. Why she believes the finance industry is a great industry for women. And much more!

Join us in this episode as we sit down with Carey Chopin, an experienced commercial lender, to explore advice within the world of banking. Beyond banking, he also imparts wisdom on the importance of teamwork and shares life lessons, making this episode a must-listen for anyone seeking financial wisdom and personal growth.Intro 0:00Background Information 1:25Foundational lessons 9:56Joyful side of Banking 19:26Interest Rates 25:54Teamwork 29:25Lagniappe 33:55Contact Info 44:30

1 hour and 53 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, The Phil Klein Insurance Group, Winewood Organics, Human Element, Venue by 4M where we recorded this, and The Nose Bleeds, which is the Sklars Bros' reboot of Cheap Seats on UFC Fight Pass. 1. Offense vs Minnesota Starts at 1:00 Brian hit someone with a tennis ball in the schwangle-dangles. It wasn't a passing rutger because Michigan didn't have more points than Minnesota had passing yards, they tied (but they had an Iowutger?). Another short game of "JJ's incompletions". No flea flickers, what are we doing?? JJ looked extremely calm and collected against zone coverage, which was a direct contrast to Kyle McCord. Myles Hinton came in during garbage time and can't redshirt, also Henderson is the guy. Kallel Mullings is for real and really fun to watch. Michigan is leading the country in penalty yards (in the good way). Jack Tuttle looks awesome during Tuttle Time! [The rest of the writeup and the player after THE JUMP] 2. Defense vs Minnesota Starts at 34:26 We start with good things! Mason Graham played out of his mind with one hand. Braiden McGregor had a great game, he adds two more pass break-ups. So many guys had great games that we don't even mention Kris Jenkins for a little while. Goode, Grant, and Benny got moved a bit so maybe Minnesota's run blocking was decent. There were some tactical issues with the linebackers that can be fixed. Discussing Minnesota's touchdown play.  3. Hot Takes, Game Theory, and Special Teams Starts at 57:24 Takes hotter than Mario Cristobal's hot seat after the dumbest thing we've ever seen in a football game (TWICE). What was PJ Fleck doing at the end of the first half? James Turner hit a routine field goal, yay. Tommy Doman kicked a kickoff out of bounds, boo. After the personal foul hit on JJ they should've kicked an on-side kick and then brough out Jack Tuttle. Brian talks about the Ohio State game since he has to miss the Jamie segment, brings up that Ohio State can't run the ball. A lot of the bad things that happened to Maryland were caused by Maryland.  4. Around the Big Ten with Jamie Mac Starts at 1:24:21 Ohio State - 37 Maryland - 17 Maryland had this game in hand but then Maryland'd. Ohio State is 81st nationally in yards per carry vs P5 teams. Ohio State's offensive line can't really move people, their go-to run play is stretch and they don't run it well. Lathan Ransom has looked better, though.  Nebraska - 20 Illinois - 7 Nebraska's run defense looked legit in this game, which makes Michigan's performance look better. Illinois is in a bad place right now. Rutgers - 13 Wisconsin - 24 Rutgers just didn't have enough fire power or downfield passing threats to stay in this game. Wisconsin continues to appear to have a free trip to Indianapolis.  Northwestern - 23 Howard - 20 No notes. Iowa - 20 Purdue - 14 This is one of the ugliest football games we have ever barely watched. Purdue cannot stop an inside run. Iowa turns everyone they play into Iowa. The Hawkeyes had zero completions to wide receivers.  MUSIC: “Young Hearts Spark Fire”— Japandroids “Porch Boogie”— Rose City Band “Henry in Forever”—  Luke Temple “Across 110th Street”

Clint lent some money to a friend with the promise he'd get paid back… his friend is now financially solid but nothing! Oh, and she's now his girlfriend too... so that complicates things. Is the money gone? How does he bring it up?

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Human Element, Ann Arbor Elder Law, Michigan Law Grad, The Phil Klein Insurance Group, Venue by 4M, Winewood Organics, SignalWire where we recorded this and INTRODUCING TO THE PODCAST: Sharon's Heating. Special Guest: Professor Greg Dooley, whose podcast is The Professor & the Pundit. Featured Musician: Kyle Mack The Video: [After THE JUMP: Dooley arrives so we get off-topic.] --------------------- 1. Minnesota Preview: Offense starts at the top Do they have Darius Taylor or not? If so they run the ball. If not, they will try to run the ball. WR Daniel Jackson is a threat. What's up with Brevyn Spann-Ford? 2. Minnesota Preview: Defense starts at 17:42 They're just guys up front, with some transfers who aren't cutting it at this level to replace better transfers out. Somehow though they held on to Tyler Nubin, who's a dude. Tricky coverages. 3. Jug History and NIL with Professor Greg Dooley starts at 34:18 We start off with some of our favorite Jug stories but of course we also have the guy who teaches the biggest NIL class in the country so we also talk about the direction things are going with collectives, who are moving away from that term to being more like agents. We also get into the landscape once revenue-sharing comes into play, how realignment is basically all about lining things up for that, and how that might spell doom for a lot of non-revenue sports. 4. Nebraska After Review starts at 56:33 One JJ keep is all it takes. Discussion on the offensive line vs a real opponent and a lot of twists. Defensive line is comprehensive. A little concerned about the secondary. About the Featured Musician: KYLE MACK This year we are partnering with The Blind Pig for bumper music, since that's where I've seen most of the bands I've been pushing anyways. Detroit's own Kyle Mack (not to be confused with Detroit's own snowboarder Kyle Mack) will be performing at The Dojo at The Blind Pig in Ann Arbor on Thurs. Oct. 19th. The beats behind his lyrics are worth listening to on their own, but the vocals are awesome. There's a lot of Detroit style in there, but also a lot (maybe too much?) of Lin-Manuel Miranda, and also some very on-purpose MLK gospel (can't share explicit lyrics on the podcast but listen to "Still I Rise" if you're trying him out. The fusion feels really…I dunno…us. Song choices: Jiu-Jitsu About Last Night Millions Also because Across 110th Street will get our Youtubes taken now now, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

In this episode of the Real Estate Power Play Podcast, hosted by Mark Monroe, Ronald Walker, Marty Grizzanti, and Gabe Rodarte. Matt and Mark discuss a pre-foreclosure deal in Richmond, Virginia. The distressed property, with an ARV of $310,000, had a $136,000 payoff amount and $10,000 arrears. In addition, the Real Estate Power Play Podcast, presented by Mark Monroe, Ronald Walker, Marty Grizzanti, and Gabe Rodarte. They faced difficulties reaching the lender and the law firm handling the foreclosure, leading them to advise the homeowner to file for bankruptcy.In this episode of the Real Estate Power Play Podcast, hosted by Mark Monroe, Ronald Walker, Marty Grizzanti, and Gabe Rodarte. However, there was a little bit of a problem; the homeowner had second thoughts. This episode underscores the challenges of dealing with pre-foreclosure situations, emphasizing the need for swift action and clear communication with all parties involved.On this episode of the Real Estate Power Play Podcast with Mark Monroe, Ronald Walker, Marty Grizzanti, and Gabe Rodarte talked about:Contact Challenges, Communication BreakdownsIs Rapid Action Required for Auction Prevention?How Important Is Clarity with Homeowner, Lender, and Law Firm?Be sure to check the Real Estate Power Play Podcast on your favorite podcast sites listed below.  Enjoy the show!YouTube - https://bit.ly/2ZromuYGoogle Podcast - https://bit.ly/3nL1yyYSpotify - https://spoti.fi/3pLjv2IApple Podcast - https://apple.co/3jGYQJCAmazon Podcast - https://amzn.to/3o1cecHPodcast Addict - https://bit.ly/3nHVVSaPodchaser - https://bit.ly/3BhDIQ5Pocket Casts -https://pca.st/etbhktqrDeezer - https://bit.ly/2ZuryWyListen Notes - https://bit.ly/3jHV8z6Player FM - https://bit.ly/3nz12UpPodcast Index - https://bit.ly/3mkelbUTuneIn+Alexa - https://bit.ly/2ZuhjSNConnect with Real Estate Power Play Podcast Hosts:Facebook: https://bit.ly/3mMZcAiMark Monroe: https://linktr.ee/markmonroeRonald Walker: https://linktr.ee/RonniewalkerMarty Grizzanti: http://linktr.ee/MgrizzantiGabe Rodarte: https://linktr.ee/gaberodarte#GabeRodarte #MarkMonroe #MartyGrizzanti #RonnieWalker #MattBricker #CreativeFinance #Investing #Wealth #RealEstateInvesting #Wholesaling #SubjectTo #HowToGetStartedInRealEstate #CreativeFinancing #SellerFinancing #wrap #realestateinvestor #wholesalehouses #creativerealestateinvesting #wholesaling #leaaeoptions #renttoown #realestateinvesting

In this special episode of Small Biz Florida, we're coming to you live from the Florida Association of Government Guaranteed Lenders conference. Our focus is clear: assisting small business owners and operators in accessing the capital they need to start, grow, and expand their businesses. To guide us through this financial landscape, we have a distinguished guest, Mr. William A. Wilson, CCIM, CFP(R), Vice President & Business Development Officer for Southwestern Florida Markets at Florida First Capital. William brings a wealth of experience to the conversation, with almost three decades in the banking industry. He shares his journey, from being a branch manager in southern Nevada to his current role at Florida First Capital. His mission is simple yet impactful: helping small business owners secure the necessary funds for significant capital investments, such as equipment and machinery. Florida First Capital, a non-profit government financial institution, plays a pivotal role in administering the SBA 504 program. This program, shaped by Congress in the 1980s, is celebrated for its exceptional rates and terms, making it an attractive option for small businesses. William explains how it combines government bonds with private lending from banks and credit unions, allowing entrepreneurs to buy commercial properties, machinery, and equipment with a low down payment. During the episode, William highlights the collaborative nature of CDCs (Certified Development Companies) like Florida First Capital, working in partnership with local banks and credit unions to structure loans that meet the unique needs of small business owners. The result? Small business owners only invest a modest percentage of the total cost, while banks and credit unions enjoy added security. William also discusses the Green Energy Program, which enables businesses to borrow additional funds for energy-efficient projects like solar power installations. This initiative not only supports sustainability but also creates more jobs, enhancing the overall economic landscape. If you're a small business owner looking to understand how to access capital and unlock growth opportunities, this episode is a must-listen. Join us as we demystify the world of small business financing and discover how organizations like Florida First Capital are dedicated to empowering entrepreneurs. Recorded live at this year's FLAGGL Small Business Lender's Conference hosted at The JW Marriott Orlando, Grande Lakes Learn more about Florida First Capital Finance Corporation: https://ffcfc.com/ 

Join us on this episode of Small Biz Florida, where we delve deep into the world of international trade and how small businesses can tap into global opportunities. Broadcasting live from the Florida Association of Government Guaranteed Lenders Conference, our focus is on the critical role this conference plays in providing small business owners with the working capital they need to meet the demands of exporting goods and services to a global market. We have two distinguished guests with us today who shed light on this important topic. First up is Patrick Hayes, the Export Finance Director East at the U.S. Small Business Administration. Patrick emphasizes the significance of helping small businesses gain access to financing that allows them to take full advantage of international sales opportunities. He discusses the various ways the SBA provides crucial support, including a substantial 90% guaranty on Export Working Capital Lines of Credit, making it easier for businesses to secure the capital needed for international expansion. Our second guest is  Daniel Pische, who serves as Director, of National Trade Finance at SBA Daniel is a seasoned expert in the field and graduated from Northern Illinois University. He is currently based in Washington, D.C., United States, where he brings his extensive experience and insights into trade finance to the forefront. Daniel highlights the pivotal role of working capital in international trade and the importance of providing businesses with the financial resources required to scale their global growth. During this episode, we explore the benefits of these financing programs, including advances on foreign accounts receivable, inventory financing, standby Letters of Credit (LCs) for export purposes, and foreign purchase order financing. We discuss the flexibility these programs offer, such as not requiring a specific U.S. content percentage, making them accessible to a wide range of businesses. Tune in to discover how the SBA is working diligently to empower small businesses in conquering global markets. We delve into the need for working capital to fulfill international demand, ensuring that small businesses can thrive on the global stage. This episode is a must-listen for entrepreneurs looking to expand their businesses internationally and make the most of global opportunities. Recorded live at this year's FLAGGL Small Business Lender's Conference hosted at The JW Marriott Orlando, Grande Lakes Learn more about the SBA Office of International Trade

Join us in this informative episode as we navigate the world of small business financing with Richard Giessert, Vice President and SBA Loan Officer at Marine Bank & Trust. Discover Richard's background, his pathway to Marine Bank & Trust, and the vital role he plays in helping small business owners access the capital they need to grow and thrive. Richard shares insights into the significance of community banks and how they differ from larger institutions. Learn about the flexibility, responsiveness, and personalized service that community banks like Marine Bank & Trust provide to their clients. With a local focus and decision-making authority, community banks can tailor financial solutions to meet the unique needs of small businesses. Explore the various government-guaranteed products available to small business owners, including 7A and 504 loans. Richard breaks down the primary uses of these loans, from working capital to business acquisitions, real estate, and equipment financing. Discover how the 504 loan program allows borrowers to get in with as little as 10% down, offering significant savings compared to conventional loans. Understand the importance of a well-structured business plan and financial projections when seeking financing for expansion or acquisition. Richard emphasizes the value of collaboration with organizations like the Small Business Development Center (SBDC) in preparing loan applications. Richard also delves into the SSBIC (State Small Business Investment Company) program, highlighting its unique role in providing financial support to businesses that may not qualify for conventional lending. Discover how the SSBIC program can be leveraged under specific circumstances to help small businesses succeed. Learn about the approval process for SBA loans and how local decision-making and partnerships with organizations like the SBDC play a crucial role in advancing loan applications. Richard shares the importance of marketing and continually nurturing a strong pipeline of loan opportunities. Explore the nuances between SBA and SSBIC programs, including differences in guarantees and eligibility criteria. Discover how the SSBIC program can be a valuable resource for businesses with unique needs, such as nonprofits. Join us for an enlightening conversation that provides valuable insights into the world of small business financing and the essential role community banks play in supporting local businesses. Recorded live at this year's FLAGGL Small Business Lender's Conference hosted at The JW Marriott Orlando, Grande Lakes Learn more about Marine Bank & Trust: https://www.marinebankandtrust.com/ 

Join us for an enlightening episode as we delve into the world of small business financing with Ray Drew, an SBA lending expert and the host of the SBA Ray Podcast, the #1 SBA lending podcast. Ray is also the Managing Business Development Officer at Fund-Ex Solutions Group. In this episode, you'll gain insights into Ray's remarkable background and journey in small business lending. With 12 years of experience, Ray has dedicated his career to helping small business owners navigate the complexities of SBA borrowing. Discover how Ray transitioned into non-bank lending and played a pivotal role in elevating his previous institution to a top 10 lender in the country. He shares the passion that drives him to assist small business owners and aspiring entrepreneurs in building their business empires through various financial strategies, including owner-occupied commercial real estate, business acquisitions, and partner buyouts. As Florida sees a growing number of baby boomers looking to retire and sell their businesses, Ray sheds light on the intricacies of buying an existing business. Learn about the due diligence process and the key factors to consider when evaluating a business's financial health and value. Ray discusses the importance of financial due diligence and the role of the seller note in ensuring a smooth transition after the purchase. He also emphasizes the significance of qualitative factors like customer relationships in the evaluation process. Discover Ray's podcast, "The Art of SBA Lending," where he provides invaluable insights into SBA lending best practices, interviews with industry experts, and information on accessing capital. Whether you're a small business lender or a borrower seeking financial solutions, Ray's podcast offers a wealth of knowledge. Ray touches on recent changes in the SBA lending landscape, including sweeping updates to the 7A program and the importance of technology in streamlining the lending process. Learn how the SBA is driving efficiency and making it easier for small business owners to access capital. Don't miss this opportunity to gain a deeper understanding of small business financing, entrepreneurship, and the future of SBA lending with one of the industry's most trusted voices, Ray Drew. Recorded live at this year's FLAGGL Small Business Lender's Conference hosted at The JW Marriott Orlando, Grande Lakes Learn more about Fund-Ex Solutions Group: https://fundexsolutions.com/  Tune into Ray's Podcast: https://www.artofsba.com/ Check out Ray's YouTube Channel: https://www.sbaray.com/ 

Join us for an informative episode as we delve into the world of SBA (Small Business Administration) loans with two experts from First Bank of the Lake: Eric Dunham, Vice President SBA Manufacturing & Exporting Senior Business Development Officer, and Igor Milanovic, Vice President SBA Senior Underwriter Manager. In this episode, Eric and Igor share their extensive backgrounds and career pathways that led them to First Bank of the Lake. Discover their journey in the banking industry and how they became key players in SBA lending. First Bank of the Lake is a notable financial institution, often referred to as "the biggest smaller bank there is." Eric and Igor shed light on what sets their bank apart and how they achieved recognition from the SBA as a top 2 production bank. This achievement highlights their exceptional ability to close a significant number of SBA loan deals. Learn about the diverse range of SBA loans that their bank offers and how they leverage specialized teams to cater to various industries, providing nationwide support to small business owners and operators. The episode explores the importance of understanding the nuances of the SBA program and how different banks may have their unique preferences and approaches within the framework of the SBA SOP (Standard Operating Procedure). Eric and Igor emphasize the significance of effective communication between teams to address potential issues and ensure a smooth loan approval and closing process. Tune in to gain a deeper understanding of SBA loans, banking industry insights, and the exceptional services offered by First Bank of the Lake. Recorded live at this year's FLAGGL Small Business Lender's Conference hosted at The JW Marriott Orlando, Grande Lakes Learn more about First Bank of the Lake: https://www.fblake.bank/

In this enlightening episode, we sit down with Crystal DiJoseph, the founder of One10 Finance & Accounting. Crystal shares her incredible journey from humble beginnings in Florida to becoming a successful entrepreneur and a vital resource for small business owners. Crystal's journey led her to explore various career paths, including financial advising. While she initially pursued finance advising, she soon realized that her true passion lay in the world of accounting and finance. She obtained her CPA and ventured into private industry, where she gained valuable experience in private capital and investment. However, Crystal's entrepreneurial spirit could not be contained, leading her to establish One10 Finance & Accounting. Her firm specializes in providing business valuations, quality of earnings reports, and fractional CFO services. Crystal's story is a testament to the power of perseverance and the importance of aligning with the right team and resources. The conversation touches on the concept of entrepreneurship and the value of maintaining a side hustle while gradually transitioning into full-time entrepreneurship. Crystal's bold approach to business and her dedication to her clients have propelled her firm to success. Crystal emphasizes the significance of networking, continuous learning, and the support provided by organizations like the SBDC (Small Business Development Center) in scaling and growing small businesses. She also underscores the importance of hiring individuals who align with the business's culture and vision. Tune in to this episode to gain valuable insights into entrepreneurship, the role of financial and accounting services in small businesses, and the essential elements of building a successful team and company culture. Recorded live at this year's FLAGGL Small Business Lender's Conference hosted at The JW Marriott Orlando, Grande Lakes Learn more about ONE10 Accounting & Finance: https://www.one10firm.com/