Podcasts about loans

In this episode of The Loan Officer Podcast, D.O. sits down in Nashville with mortgage industry powerhouse Vernon Miles. Vernon shares his journey from buying his first home and getting burned by a broker, to running Milestone Mortgage Solutions, now a top competitor in the nation. They discuss the sacrifices needed to succeed, the importance of spousal support, building the right team, and striving for both personal and professional growth. D.O. pulls out lessons on purchase vs. refi business, mentorship, recruiting philosophy, and financial literacy—ending with practical advice for both seasoned professionals and newcomers trying to break into the business. Inspiring stories, actionable strategies, and a few laughs make this a must-listen episode. Loan officer looking for a new place to call home?

In this episode of the Massive Passive Cashflow Podcast, Gary sits down with Terry Roberts, a seasoned mortgage broker with over 15 years of lending experience and a deep specialization in VA loans, investor financing, and non-traditional mortgage strategies. Terry shares his powerful journey—from homelessness, being a high school dropout, and a teenage father, to serving nine years in the U.S. Marine Corps and ultimately becoming a nationwide mortgage broker with access to 160+ lenders. His unique background in military leadership, business operations, and mortgage innovation gives him a rare perspective on how financing really works behind the scenes. Throughout the conversation, Terry breaks down why working with a mortgage broker vs. a retail bank loan officer can dramatically expand financing options for buyers and investors. He explains how veterans can strategically use VA loans to acquire duplexes, triplexes, and fourplexes with little to no money down, how eligibility truly works, and how military families can build long-term wealth through real estate. We also dive deep into investor-focused loan programs most agents don't even know exist—such as asset depletion loans, rental-income-based financing, and loans that don't require tax returns, W-2s, or traditional income documentation. Terry explains how these options open doors for 1099 earners, real estate agents, retirees, developers, and foreign investors looking to invest safely in U.S. real estate. The episode wraps with a candid discussion on interest rates, Fed rate cuts, the 10-year Treasury, refinance strategies that actually make sense, and why trying to time the market often costs investors more in the long run. Whether you're a real estate agent, investor, veteran, or buyer trying to navigate today's complex lending landscape, this episode delivers clarity, strategy, and practical insights you can apply immediately.     What You Will Learn: How mortgage brokers unlock better loan options than traditional banks The real difference between a broker and a retail loan officer How veterans can use VA loans to build wealth with little to no money down Using VA loans for duplexes, triplexes, and fourplexes How VA entitlement actually works (and why it's not based on property count) Investor loan options that don't require tax returns, W-2s, or pay stubs How rental-income-based loans work for investors and 1099 earners Asset depletion loans for retirees and high-net-worth investors Financing strategies for real estate agents who can't qualify traditionally Loan options for land, development, and mixed-use projects Can foreign nationals invest in U.S. real estate? (Yes—and how) Why Fed rate cuts don't directly control mortgage rates Why the 10-year U.S. Treasury matters more than Fed announcements When refinancing makes sense—even if your interest rate increases How refinancing can eliminate high-interest debt and improve cash flow Simple ways to lower monthly payments without refinancing Why relationships—not transactions—drive long-term success in real estate     Links & Resources: Facebook: https://www.facebook.com/TerryRobertsNMLS397987 Instagram: https://www.instagram.com/mortgagetipdaily LinkedIn: https://www.linkedin.com/in/terrydroberts/ Youtube: https://www.youtube.com/@mortgagetipdaily Website: terryroberts.com Email: troberts@emortgagecapital.com Attention Investors and Agents: Are you ready to scale your real estate business and connect with like-minded professionals?

In this special live episode of The Loan Officer Podcast, host Dustin Owen sits down with renowned mortgage industry leader Jason Purcell at the Central Florida Mortgage Bankers Association's highly anticipated year-end event. Surrounded by a dynamic live audience comprised of mortgage professionals, real estate agents, and prospective homebuyers, Dustin and Jason engage in an in-depth conversation that explores the evolving landscape of the mortgage industry. Throughout the episode, they delve into the qualities and strategies that define effective leadership in today's fast-paced market, sharing personal experiences and actionable advice. The discussion highlights the transformative impact of technology and artificial intelligence on lending practices, underwriting, and customer service, offering listeners a glimpse into the future of the industry. They also address the challenges and opportunities presented by shifting market cycles, providing practical tips for navigating periods of uncertainty and change. A significant portion of the conversation is dedicated to the importance of coaching, mentorship, and building strong partnerships, emphasizing how collaboration and continuous learning can drive both personal and professional growth. The interactive format allows for real-time audience participation, with a lively Q&A session that brings forth practical questions and insightful answers. These exchanges offer valuable, real-world perspectives on topics such as client communication, regulatory changes, and business development. This mastermind session, enriched by the collective wisdom of industry experts and audience members alike, serves as an invaluable resource for anyone seeking to achieve lasting success and resilience in the mortgage business. Whether you're a seasoned professional or just starting out, this episode delivers inspiration, education, and actionable takeaways to help you thrive in a competitive marketplace.

The following guest sits down with host Justin White:•   Tammy Saul - Broker-owner, Federal Hill MortgageHow to Surround Yourself with Real Estate Agents Who Lift You and Your BusinessTammy Saul has more than one hundred real estate agents who send her referrals, but it's the agents she doesn't work with who have elevated her production. How should mortgage loan originators determine who they should surround themselves with? Listen to Episode #113 of Good. Better. Broker. to find out why healthy relationships are key to a healthy business.In this episode of the Good. Better. Broker. podcast, you'll learn why it pays to be selective about the referral partners you invest your time and energy into. In this episode, we discuss ...•   1:47 – why every LO needs to ask themselves about who they want to work with•   2:33 – how Tammy figured out which referral partners she didn't want to work with•   6:26 – treating real estate agents like clients•   7:53 – Tammy's background as an attorney•   9:14 – pain points experienced by real estate agents•   11:45 – eliminating toxic relationships•   13:34 – managing relationships with real estate agents•   16:08 – providing actual value for real estate agents•   16:59 – why Tammy doesn't talk with agents who have loans in process•   18:40 – how a personal experience gave Tammy new perspective on the people she surrounds herself withResources mentioned in this episode: Darren Hardy Show Contributors:Tammy SaulConnect on LinkedIn Connect on Facebook Connect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of UWM Daily. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University. Connect with Justin on LinkedIn, Instagram, or Twitter Connect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

00:00 Intro01:33 China Orders Banks to Assess Venezuela-Related Loans03:26 China's December PMI Hits the Slowest Point: Survey06:05 Maduro Pleads Not Guilty to Drug and Weapons Charges09:27 Switzerland Freezes Maduro and Associates' Assets09:57 Venezuela Orders Police to Arrest U.S. Operation Supporters10:28 Trump Issues Stern Warning to Interim Venezuelan Leader12:24 U.S. Ambassador Defends Maduro Capture at U.N.13:59 Experts Debate Whether Beijing Could Capture Taiwan's President17:30 China, S. Korea Seek to Boost Ties Amid Regional Tensions18:51 China–S. Korea Dialogue | Analysis

Welcome to Omni Talk's Retail Daily Minute, sponsored by Mirakl.In today's Retail Daily Minute, Omni Talk's Chris Walton discusses:Saks Global is negotiating a $1 billion bankruptcy loan after missing $100 million in bond payments, as the luxury retailer faces potential Chapter 11 filing within weeks.Kroger launches its Verified Savings Program, offering 20% produce discounts and half-price Boost memberships to customers enrolled in SNAP, WIC, Medicaid, and other government assistance programs.Amazon expands Alexa Plus to browser access with end-to-end meal planning that lets customers generate weekly menus and instantly add ingredients to Amazon Fresh or Whole Foods carts.The Retail Daily Minute has been rocketing up the Feedspot charts, so stay informed with Omni Talk's Retail Daily Minute, your source for the latest and most important retail insights.Be careful out there!

In this episode you will hear: Mark has a discussion about the role of prestige when selecting a college Mark interviews Kate Stricklan on the Role of the Seasonal Admission Officer o What is going on in the admission office now o What is the role of the operations team that is mission-critical o We discuss the difference between seasonals and regionals, and Kate gives us a lot of details about seasonals o Kate talks about the training that is done for the seasonals o Kate talks about what she looks for when she is hiring a seasonal admission officer o Kate discusses how file reading calibration occurs as part of the training for seasonals o Kate discusses the role that a college major plays during the file reading process at CU Boulder Recommended Resources Colleges that allow self reporting of test scores Colleges that Allow Self-Reporting of SAT and ACT Scores Great source for questions about finances and college Edvisors: Financial Aid, Student Loans, Scholarships and Money Management FAFSA Walkthroughs Mark recommends Complete FAFSA 2026‑2027 Walkthrough | From Start to Submit 2023-2024 FAFSA Walkthrough Video English CSS PROFILE Walkthroughs CSS Profile Walkthrough MEFA Institute: A Deep Dive into the CSS Profile Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast. You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day. To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses. Check out our new blog. We write timely and insightful articles on college admissions: https://yourcollegeboundkid.com/category/blog/ On X for our podcast: https://twitter.com/YCBKpodcast 1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK. Please follow our podcast. It really helps us move up in Spotify and Apple's search feature so others can find our podcast. If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful! If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live. Check out the college admissions books Mark recommends: https://yourcollegeboundkid.com/recommended-books/ Check out the college websites Mark recommends: https://yourcollegeboundkid.com/recommended-websites/ If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link: https://docs.google.com/forms/d/e/1FAIpQLScCauBgityVXVHRQUjvlIRfYrMWWdHarB9DMQGYL0472bNxrw/viewform If you want a college consultation with Mark just text Mark at 404-664-4340 or email at mark@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

Thinking about becoming a Mortgage Loan Officer in 2026? This video breaks down what you actually need to know before getting into the industry and what actually separates the people who succeed from the ones who wash out.In this video, I cover:-How to get licensed (SAFE exam, NMLS, timelines, and what to expect)-How to choose the right company or brokerage to start your career-Why you must think like an advisor, not just an originator-How to sell the why behind the loan, not the loan itselfIf you want a career that can change your income, your confidence, and your life, mortgages might be it. But only if you're willing to do it the right way.Support the showJoin our weekly calls so you we can help you too!

This Day in Legal History: Federal Court Strikes Down “Balanced Treatment” Law in ArkansasOn January 5, 1982, a federal district court in Arkansas issued a landmark ruling in McLean v. Arkansas Board of Education, striking down a state law that required public schools to give “balanced treatment” to both evolution and creation science. The law, known as Act 590, had been passed in 1981 and mandated that schools teach creationism—defined in the statute as a scientific model based on a literal interpretation of the Bible—alongside evolution. The law was immediately challenged by a coalition of clergy, educators, and scientists who argued that it violated the Establishment Clause of the First Amendment.Judge William Overton ruled that Act 590 was unconstitutional because it advanced a particular religious viewpoint under the guise of science. In his decision, Overton provided a clear and influential definition of what constitutes science, stating that scientific theories must be guided by natural law, testable, and subject to falsification. He found that “creation science” failed all of these criteria and was therefore religious in nature, not scientific. The court also concluded that requiring its teaching in public schools constituted state endorsement of religion.The ruling marked one of the first major judicial rejections of efforts to include religious doctrine in public school science curricula following the U.S. Supreme Court's earlier decision in Epperson v. Arkansas (1968), which struck down laws banning the teaching of evolution altogether. McLean v. Arkansas would go on to shape the legal and educational landscape in future church-state separation cases, including the pivotal 1987 Supreme Court decision Edwards v. Aguillard, which similarly invalidated a Louisiana law promoting creationism in schools.Venezuelan leader Nicolás Maduro appeared in a New York court after a surprise U.S. military operation captured him in Caracas. The high-stakes raid, likened to the 1989 Panama invasion, involved U.S. Special Forces breaching Maduro's security and flying him to Manhattan, where he faces drug trafficking and narco-terrorism charges. His wife, Cilia Flores, was also captured. Maduro is accused of running a cocaine network in collaboration with major criminal groups like Mexico's Sinaloa cartel and Colombia's FARC.The capture sparked international outrage. Russia, China, Cuba, and other allies condemned the raid, while U.S. allies cautiously emphasized legality and diplomacy. The U.N. Security Council is set to review the operation's legality. Meanwhile, Venezuela's acting president, Delcy Rodríguez, shifted from initial outrage to signaling willingness for cooperation with the U.S., a notable pivot considering her past as a fiery Chavista loyalist.President Trump justified the move as a counter to drug smuggling, illegal immigration, and the past nationalization of U.S. oil assets. He also made clear his aim to reopen Venezuela's oil sector to U.S. companies. However, he has sidelined Venezuela's opposition leaders, disappointing figures like María Corina Machado. Despite Maduro's removal, his political allies remain in power, and the military's loyalty appears unchanged. Venezuelans at home are wary, bracing for possible unrest.Venezuela's Maduro due in court, loyalists send message to Trump | ReutersTrump's efforts to further reshape the federal judiciary in 2026 are facing a slowdown due to a shortage of vacancies. After returning to office in 2025, Trump secured the confirmation of 26 judicial nominees—more than in the first year of his initial term. However, only 30 new judicial seats have opened since then, compared to the 108 vacancies available when he first took office in 2017. This is largely due to aggressive judicial appointments by both Trump and former President Biden over the past decade, which filled many potential retirements with younger judges.Some judges eligible for senior status—a form of semi-retirement—have opted to remain active. Experts suggest this could be due to either personal preference or distrust among conservative judges about Trump's choices for replacements. The appellate court nominations have particularly slowed, with only three judges announcing retirements in 2025. Still, Trump managed to flip the balance of the 3rd Circuit Court of Appeals and strengthen conservative influence in district courts across states like Missouri, Florida, and Mississippi.Despite the low number of available seats—currently 49—Trump still has opportunities to make appointments, especially in Republican-led states. However, 13 of those vacancies are in states with at least one Democratic senator, triggering the “blue slip” custom, which allows senators to block judicial nominees from their states. While this tradition doesn't apply to appellate courts, it still limits district court nominations. Senate Republicans remain divided on whether to uphold the blue slip norm.Trump's ability to further reshape judiciary in 2026 hindered by few vacancies | ReutersIn 2026, U.S. law schools are facing a mix of rising interest in legal education and mounting regulatory and financial pressures. A major shift comes from President Trump's 2025 budget, which capped federal loans for professional degrees at $50,000 annually and $200,000 total. With many law schools charging over $50,000 per year (excluding living costs), incoming students may need to seek private loans, which often come with higher interest rates and stricter credit requirements. In response, some schools—like Santa Clara University—are offering across-the-board scholarships to help bridge the gap.Law school accreditation is also in flux. The American Bar Association (ABA), traditionally the primary accreditor, is facing political attacks over its diversity standards and regulatory burden. Texas is planning to develop its own law school approval system for bar eligibility, and other states like Florida and Ohio are exploring similar options. The ABA is now working to streamline its standards amid this pressure.July 2026 will also see the debut of the “NextGen UBE,” a shorter, skills-focused national bar exam that replaces some memorization with practical assessment. Some states, however, are opting out or creating their own licensing alternatives.Meanwhile, artificial intelligence is gaining traction in legal education. A growing number of law schools are integrating AI training into their curricula, and platforms like Harvey are being adopted by faculty and students alike.Despite the looming challenges, interest in law school remains strong. Applicant numbers rose 20% over the previous year, building on an 18% increase in 2024, and first-year enrollment is also trending upward.US law schools face loan limits, oversight pressures in 2026 | ReutersU.S. courts are poised to play a decisive role in shaping how copyright law applies to generative AI this year, as lawsuits from major publishers, creators, and tech companies come to a head. At issue is whether AI developers like OpenAI, Google, Meta, and others can invoke the legal doctrine of fair use when training models on copyrighted materials, or whether they must pay license fees—potentially amounting to billions.The legal landscape shifted dramatically in 2025. A class action by authors against Anthropic resulted in a $1.5 billion settlement, the largest of its kind, while The New York Times, Disney, and other major rights holders filed fresh lawsuits. Judges began issuing preliminary rulings on whether AI training qualifies as transformative fair use, with conflicting outcomes. One judge called AI training “quintessentially transformative,” supporting tech companies' claims, while another warned that generative AI could harm creators by saturating the market with competing content.Several high-profile cases remain active in 2026, including those involving AI-generated music and visual art. Meanwhile, some copyright holders are choosing collaboration over litigation. Disney, for example, invested $1 billion in OpenAI and granted use of its characters, while Warner Music dropped lawsuits against AI firms to co-develop music tools. These deals hint at possible industry-wide licensing frameworks, though ongoing litigation could still dramatically reshape the economic and legal norms governing AI.AI copyright battles enter pivotal year as US courts weigh fair use | Reuters This is a public episode. 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Bước sang năm 2026, eo biển Đài Loan đang trở thành "chảo lửa" địa chính trị nóng nhất toàn cầu sau thông điệp đanh thép từ Bắc Kinh. Khi những cuộc tập trận quy mô kỷ lục của quân đội Trung Quốc liên tục gia tăng áp lực, thế giới đứng trước kịch bản thiệt hại 10 nghìn tỷ USD nếu xung đột nổ ra. Đang có những chuyển động ngầm tại Tòa Bạch Ốc, phương Tây, chiến lược đối phó của Đài Bắc và vị thế đầy rủi ro của ASEAN trong vòng xoáy quyền lực mới.

In this episode, Adrienne breaks down the four pathways every business can use to fund growth: debt, equity, revenue power plays, and asset leverage. She explains why under-capitalization kills more businesses than bad ideas and shares the mindset and structure required to become “fundable.”Key Takeaways: You cannot scale without funding. Capital is strategy, not luck. Debt preserves ownership; equity accelerates growth. Revenue power plays can create cash-on-demand without outside capital. Fundable companies have clean financials, predictable revenue, capable owners, and clear systems. Capital flows to companies that look prepared, not desperate. What You'll Learn: The 4 capital pathways every CEO must understand How to choose the right funding method for your next stage How to prepare your company to receive capital What lenders and investors really look for The financial mistakes that kill funding opportunities Resources: Mogul Chix Guide to Getting VC Funding- https://mogulchix.com/product/mogul-chix-guide-vc-funding/Funding School ™- http://academy.mogulchix.com/funding-school/

Featured on WGN Radio's Home Sweet Home Chicago on 01/03/26: Rose Pest Solutions' Marketing Director Janelle Iaccino, A.K.A. ‘The Bug Girl,' joins the program to talk about mothballs. Janelle also explains how to protect prized clothing from destructive moths! To learn more about Rose Pest Solutions and what they can do for you, go to rosepestcontrol.com or […]

Featured on WGN Radio's Home Sweet Home Chicago on 01/03/26: Center Guard Plumbing's Mike Epping joins the show to discuss helping clients save money with Center Guard on winter plumbing maintenance and freezing prevention. Plus, a water heater sale! To learn more about what Center Guard Plumbing can do for you, go to wgnplumber.com or call 847-406-8883.

Featured on WGN Radio's Home Sweet Home Chicago on 01/03/26: Executive Green Carpet Cleaning's Office Manager Kelly Mickley joins the program to discuss how their hands-on quality control works and why being family owned and operated provides you, the WGN listener, with unmatched trust, care, and top-tier cleaning. Kelly also provides a special offer for […]

David Hochberg kicks off this week's show with Janelle Iaccino of Rose Pest Solutions to discuss mothballs. Next, Center Guard Plumbing's Mike Epping joins the show to discuss winter plumbing maintenance. Then, Executive Green Carpet Cleaning's Office Manager Kelly Mickley reminds listeners of their unmatched trust, care, and top-tier cleaning technology. As always David takes calls from loyal listeners […]

What do you do when family members ask you for money? It can become a real problem, particularly if you’ve “made it” in their eyes. On this week’s MiniPod hosts Tiffany Cross and Andrew Gillum navigate money and family. This episode is a rerun that originally aired on 09-26-25. If you’d like to submit a question, check out our tutorial video: www.instagram.com/reel/C5j_oBXLIg0/ Welcome home y’all! —--------- We want to hear from you! Send us a video @nativelandpod and we may feature you on the podcast. Instagram X/Twitter Facebook NativeLandPod.com Subscribe and listen to new episodes of Native Land Pod every Thursday wherever you get your podcasts: iHeartPodcasts: https://www.iheart.com/podcast/1119-native-land-pod-137190860/ Apple Podcasts: https://podcasts.apple.com/us/podcast/native-land-pod/id1724078118 Spotify: https://open.spotify.com/show/43HHSELDOVMiqc9ZcYD93H?si=1oBFL1QgS6-15Y1hgiXQ1Q Native Land Pod is brought to you by Reasoned Choice Media. Thank you to the Native Land Pod team: Angela Rye as host, executive producer, and cofounder of Reasoned Choice Media; Tiffany Cross as host and producer, Andrew Gillum as host and producer, and Lauren Hansen as executive producer; Loren Mychael is our research producer, and Nikolas Harter is our editor and producer. Thank you to Mark Cantin, Dylan Ungar, and the iHeart Video team. Special thanks to Chris Morrow and Lenard McKelvey, co-founders of Reasoned Choice Media. Theme music created by Daniel Laurent.See omnystudio.com/listener for privacy information.

This Flashback Friday is from episode 575, published last September 30, 2015. We break closing costs down into small pieces to support Jason's #1 rule of investing, thou shalt become educated. Understanding which costs are fixed and which are variable will help you to protect yourself and allow you to become your own best advisor. We take the confusion out of calculating the fees. And, will private equity firms be the next big player in the mortgage game?     Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

In this episode you will hear: (03:12) Mark and Julia discuss, what do you do if you found out that you were deferred or waitlisted from a college (39:38) Interview: Mark interviews Kev Sanders, Associate Director of Admissions, University of Utah Preview of Part 3 o Kev addresses one other concern that a pacific northwest family has about the University of Utah o Kev addresses one concern that one of my families who visited Utah had after leaving their visit o We transition and discuss the admission process and the scholarships that students are eligible for o Kev talks about some of the trends he is seeing at the University of Utah o Kev explains whether a student is applying into a major, into the college, undeclared, etc. o We discuss the roll of test scores in the admissions process o We close by Kevin going on the lightning round Recommended Resource Guide to help first year students complete the Common Application- Application guide for first-year students Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast. You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day. To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses. Check out our new blog. We write timely and insightful articles on college admissions: https://yourcollegeboundkid.com/category/blog/ Follow Mark Stucker on Twitter to get breaking college admission news, and updates about the podcast before they go live. You can ask questions on Twitter that he will answer on the podcast. Mark will also share additional hot topics in the news and breaking news on this Twitter feed. Twitter message is also the preferred way to ask questions for our podcast: 1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search for and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK. Please subscribe to our podcast. It really helps us move up in Apple's search feature so others can find our podcast. If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful! If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live. Check out the college admissions books Mark recommends: https://yourcollegeboundkid.com/recommended-books/ Check out the college websites Mark recommends: https://yourcollegeboundkid.com/recommended-websites/ If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link: https://docs.google.com/forms/d/e/1FAIpQLScCauBgityVXVHRQUjvlIRfYrMWWdHarB9DMQGYL0472bNxrw/viewform If you want a college consultation, text Mark at 404-664-4340, or email us at yourcollegeboundkid@yahoo.com All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

On this episode of Zen and the Art of Real Estate Investing, Jonathan Greene sits down with Joel Kraut, co-founder and managing director of BRRRR Loans, to explore the realities of long-term real estate investing, private lending, and sustainable financial decision-making. Drawing on decades of experience as an investor, lender, and former Wall Street trader, Joel challenges popular investing shortcuts and explains why slowing down and mastering fundamentals is often the fastest path to real wealth. The conversation dives deep into the limitations of the FIRE movement, the dangers of over-leverage, and how emotional decision-making derails otherwise solid deals. Joel shares lessons from market cycles, early BRRRR strategies, and hard-earned mistakes, emphasizing that success in real estate is far more about people, preparation, and honesty than chasing the newest strategy or acronym. Listeners will gain practical insight into what lenders actually look for in borrowers, how to present deals professionally, why organization and credit discipline matter, and how long-term relationships—not hype—drive consistent success in real estate. In this episode, you will hear: Why the FIRE movement often overlooks patience and foundational investing How Joel's early real estate and refinancing experience shaped his lending philosophy The real dangers of over-leverage and market-specific concentration risk What private lenders look for beyond credit scores and projections Why honesty, preparation, and organization matter more than clever deal structures How long-term relationships create repeat business and lasting wealth Follow and Review If you enjoy the show, please follow Zen and the Art of Real Estate Investing on Apple Podcasts and leave a rating and review. It helps other listeners discover these conversations and supports the show's growth. Supporting Resources Connect with Joel: Website: http://www.brrrr.com/  Youtube: https://www.youtube.com/@BrrrrLoans  Facebook: https://www.facebook.com/brrrrloans/  Instagram: https://www.instagram.com/brrrr_loans/  Instagram: https://www.instagram.com/joelbrrrr/?hl=en  LinkedIn: https://www.linkedin.com/in/joel-kraut/  TikTok: https://www.tiktok.com/@brrrr_loans  Connect with Jonathan: Website - www.streamlined.properties  YouTube - www.youtube.com/c/JonathanGreeneRE/videos  Instagram - www.instagram.com/trustgreene  Instagram - www.instagram.com/streamlinedproperties    Zillow - www.zillow.com/profile/streamlinen​j Bigger Pockets -  www.biggerpockets.com/users/jonathangreene Facebook - www.facebook.com/streamlinedproperties  Email - info@streamlined.properties   This episode was produced by Outlier Audio.

Episode 181 In this episode, Frank sits down with Kelly Dutton of One Click Commercial Funding—one of the most dependable referral partners for residential originators who don't venture into commercial or SBA lending. If you've ever hesitated to pass off a deal because you weren't sure how to do it without losing the client (or the relationship), this conversation is going to feel like oxygen. Most loan officers make the handoff harder than it needs to be. Frank breaks down the simple, repeatable approach he uses—along with strategies used by other successful LOs—that keeps clients confident, keeps you in control of the relationship, and keeps referral revenue flowing. You'll learn: The exact handoff phrasing that removes friction How to stay the trusted advisor even after you refer the deal What makes Kelly such a strong partner for originators Real stories from LOs who refer to One Click and get paid with confidence If you want a smooth process, happy clients, and a partner who actually makes you look good, visit http://workwithoneclick.com to get started with Kelly today. Looking for Construction or Fix & Flip financing for your clients? Partner with Park Place for fast, dependable funding. Get a quick quote here: http://workwithparkplace.com Powered by: Mortgage Marketing Animals

Spurs Chat: Discussing all Things Tottenham Hotspur: Hosted by Chris Cowlin: The Daily Tottenham/Spurs Podcast Hosted on Acast. See acast.com/privacy for more information.

Spurs Chat: Discussing all Things Tottenham Hotspur: Hosted by Chris Cowlin: The Daily Tottenham/Spurs Podcast Hosted on Acast. See acast.com/privacy for more information.

Spurs Chat: Discussing all Things Tottenham Hotspur: Hosted by Chris Cowlin: The Daily Tottenham/Spurs Podcast Hosted on Acast. See acast.com/privacy for more information.

D.O. sits down with Shawn Miller, one of Florida's most productive loan originators, with over two decades of experience in the mortgage industry and a 15-year run as an in-house lender for Keller Williams. Shawn shares insights on building successful realtor relationships, the pros and cons of being an in-house lender, and how to create systems that lead to top producer results. Loan officer looking for a new place to call home?

Crypto News: XRP supply on exchanges hits 8-year lows: Will it spark a 2026 price rally? Spot XRP ETFs maintain 29-day inflow streak despite turbulent December. Long term Bitcoin holders are accumulating again.Brought to you by

To end the year, we're doing a countdown of the most listened-to episodes of the orthoPAc podcast! Miguel Serrato, MS,MHA, PA-C, ATC, is a PAOS member and is in his second year as a practicing orthopaedic PA. He shares with Sam some of the considerations that PAs have regarding financing PA school and student loans. Miguel won the Susan Lindahl Memorial Scholarship in 2019 and we caught up with him in 2021. The Susan Lindahl Memorial Scholarship was established in 1998. Susan, the wife of our founding president Joe Lindahl, passed away following a battle with a brain tumor in 1997. This scholarship fund was established in her honor recognizing the sacrifices Susan and Joe underwent getting the PAOS off the ground and sustaining the organization in the early years. The establishment of this memorial scholarship fund was to cultivate and attract PA students into the field of orthopaedics.

Real estate investors planning 2026 financing who are torn between DSCR loans, local banks, or cash will learn how each option affects approvals, portfolio caps, and personal DTI. You'll hear what DSCR lenders actually require, how they compare to banks on speed and paperwork, how cash plus delayed financing impacts scaling, and what to consider with prepayment penalties and working with a broker who can shop 200+ lenders.

Spurs Chat: Discussing all Things Tottenham Hotspur: Hosted by Chris Cowlin: The Daily Tottenham/Spurs Podcast Hosted on Acast. See acast.com/privacy for more information.

This is common sense but no hard money lenders are doing this (Convert Leads into Loans) In this episode of the Private Lenders Podcast, Jason breaks down the proven strategies hard money and private lenders must use to convert more leads into funded loans in today's competitive lending market. Generating leads costs time and money — but losing deals to institutional lenders or competitors because of poor follow-up, weak systems, or bad communication is completely avoidable. In this training-style episode, you'll learn the exact loan conversion framework used every day inside a successful hard money lending business.

Eo biển Đài Loan đang trở nên nóng hơn khi Bắc Kinh vừa triển khai một chiến dịch quân sự quy mô lớn mang tên "Sứ mệnh Công lý 2025" Vào ngày Thứ Hai, 29 tay tháng 12, Trung Quốc đã tiến hành các cuộc tập trận quân sự xung quanh Đài Loan, mô phỏng việc chiếm giữ và phong tỏa các khu vực trọng yếu của hòn đảo này. Nhưng lý do tại sao Trung Quốc hành động như vậy?

VOV1 - Ông Nguyễn Hồng Chương ở xã Ka Đô, tỉnh Lâm Đồng - người nông dân chưa học hết lớp 8 trường làng đã biến những trăn trở trên đồng ruộng thành những cỗ máy thông minh, hiệu quả, và đặc biệt, đã "chinh phục" được cả thị trường quốc tế khó tính như Đài Loan, Úc, Nhật Bản.Năm 2007, từ sự thấu hiểu nỗi nhọc nhằn của người nông dân khi phải gieo từng hạt giống nhỏ trên những thửa ruộng rộng lớn, ông Nguyễn Hồng Chương đã cho ra đời sáng chế đầu tiên của mình – chiếc máy gieo hạt đa năng.Từ dấu mốc ấy, sau gần 20 năm, trong một xưởng cơ khí nhỏ ở xã Ka Đô, lần lượt ra đời hàng chục loại máy móc phục vụ sản xuất nông nghiệp: từ máy đóng đất vào vỉ, máy trộn giá thể, cho đến những chiếc máy rửa, đánh bóng rau củ hiện đại. Những cỗ máy sinh ra từ thực tế, lớn lên cùng ruộng đồng, và dần trở thành người bạn quen thuộc của nhiều nhà vườn trong và ngoài tỉnh Lâm Đồng.

In this episode you will hear: Twenty of our listeners share tips that have helped them with the college process that they want to share with others. Recommended Resources Colleges that allow self reporting of test scores Colleges that Allow Self-Reporting of SAT and ACT Scores Great source for questions about finances and college Edvisors: Financial Aid, Student Loans, Scholarships and Money Management FAFSA Walkthroughs Mark recommends Complete FAFSA 2026‑2027 Walkthrough | From Start to Submit 2023-2024 FAFSA Walkthrough Video English CSS PROFILE Walkthroughs CSS Profile Walkthrough MEFA Institute: A Deep Dive into the CSS Profile Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast. You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day. To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses. Check out our new blog. We write timely and insightful articles on college admissions: https://yourcollegeboundkid.com/category/blog/ On X for our podcast: https://twitter.com/YCBKpodcast 1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK. Please follow our podcast. It really helps us move up in Spotify and Apple's search feature so others can find our podcast. If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful! If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live. Check out the college admissions books Mark recommends: https://yourcollegeboundkid.com/recommended-books/ Check out the college websites Mark recommends: https://yourcollegeboundkid.com/recommended-websites/ If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link: https://docs.google.com/forms/d/e/1FAIpQLScCauBgityVXVHRQUjvlIRfYrMWWdHarB9DMQGYL0472bNxrw/viewform If you want a college consultation with Mark just text Mark at 404-664-4340 or email at mark@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

Tobias built Altitude Finance after running into the classic DeFi lending trade-off: either borrow conservatively and unlock very little capital, or borrow aggressively and risk liquidation when markets move fast.In this episode, we break down how Altitude makes loans more capital-efficient while keeping users at a safer LTV, how their vault automation rebalances positions during volatility, and why their best users love the “self-repaying loan” experience.We also cover Tobias' take on what changes in DeFi to watch in 2026—especially around token value being tied more tightly to protocol value, and why “stablecoins backed by risky strategies” could be the next blow-up.Key Timestamps[00:00:00] Intro: Altitude traction, TVL, DeFi trends for 2026[00:01:00] Tobias' journey: Ethereum → DeFi Summer → full-time crypto [00:02:00] The lending trade-off: capital efficiency vs liquidation stress [00:03:00] What Altitude does: low LTV + protocol adds leverage to ~60% [00:04:00] Differentiation: efficiency, peace of mind, simplified UX [00:06:00] 2025 recap: whitelisted → public vaults, surviving volatility [00:07:00] 2026 focus: simpler onboarding, wallets, on/off-ramps [00:08:00] Automation: rebalances as prices move, keeps vaults healthy [00:09:00] 2026 DeFi trend: tokens aligning more with “common stock” value [00:10:00] Stablecoin warning: risky strategies behind “stable” pegs [00:12:00] Adoption driver: the “self-repaying loan” dopamine [00:14:00] Real-world use cases: Tesla, land, iPhone, engagement ring [00:18:00] Founder advice: simplify, avoid overwhelming choice [00:22:00] AI in DeFi: useful for insights, not autonomous execution (yet) [00:26:00] GTM: reach long-term BTC/ETH holders across better channels [00:29:00] Roadmap: wallets + off-ramps + mainstream user journey [00:31:00] Ask: try the product, give feedback, help simplify onboardingConnecthttps://app.altitude.fi/https://www.altitude.fi/https://www.linkedin.com/company/altitude-labs-defi/https://www.linkedin.com/in/tobiasvanamstel/https://x.com/AltitudeFi_https://x.com/tobiasvanamstel?lang=enDisclaimerNothing mentioned in this podcast is investment advice and please do your own research. It would mean a lot if you can leave a review of this podcast on Apple Podcasts or Spotify and share this podcast with a friend.Get featuredBe a guest on the podcast or contact us – https://www.web3pod.xyz/

Featured on WGN Radio's Home Sweet Home Chicago on 12/27/25: Perma-Seal Basement Systems' Chief Operating Officer Joel Spencer breaks down the ABC’s of heat loss in homes. To learn more about Perma-Seal's services, go to permaseal.net or call 1-800-421-SEAL (7325).

Featured on WGN Radio's Home Sweet Home Chicago on 12/27/25: Lindholm Roofing's Assistant Manager Mike Huston brings a listener success story regarding condensation from a skylight. To learn more about what Lindholm Roofing can do for you, go to lindholmroofing.com or call them at 773-283-7675.

Featured on WGN Radio's Home Sweet Home Chicago on 12/27/25: Miracle Method's David Haas joins the show joins the show to discuss saving money on refinishing vs. the cost of complete replacement. To learn more about what Miracle Method can do for you, go to miraclemethod.com/wgn or call them at 630-832-2250.

Jon Hansen fills in for David Hochberg as we kick off this week's show with Joel Spencer of Perma-Seal Basement Systems talking about the ABC’s of heat loss in homes. Next, Lindholm Roofing's Assistant Manager Mike Huston brings a listener success story. Then, David Haas of Miracle Method talks refinishing vs. replacement. And Sitting shotgun is Jeremy Hogel, Home […]

Happy Boxing Day! We're here today to un-BOX the last episode of season 18! Join us and find out if Quinn will be coming back for the first episode of season 19.   Here are today's clues:    1. Oliver, Sea, Star, Face.  2. Swann's, Tao, Fair, Gerard.  3. Diamond, Solo, Bob, Floats.  4. Pool, Week, Tiger, Loan. 

The crypto tax situation in DeFi is getting even more complicated in 2025. Guest: Mark J. Kohler, CPA, Senior Partner of KKOS Lawyers, Co-Founder of Directed IRAWebsite ➜ https://markjkohler.com/Certified Tax Advisor Network ➜ https://bit.ly/TaxAdvisorNetworkYoutube ➜ https://www.youtube.com/c/markjkohler00:00 Intro00:35 Crypto holders Are Underwater01:10 Top Crypto Investor Mistakes03:19 Mark Kohler Trifecta03:55 No Special Treatment For Crypto?04:38 Capital Gains Loss Deduction08:03 Staking is Income, But Not Liquid Staked Tokens?09:59 Stablecoin Vault Rewards11:53 Gambling Losses Are Taxed13:24 Polymarket vs Gambling16:21 Law Coming To Lower Crypto Taxes18:35 Tariff Tax Rebate?20:20 Loan on Crypto?23:45 What If Tax Advisor is Crypto-Dumb26:20 outro#Crypto #tax #bitcoinCrypto Tax Hell

In this episode you will hear: (08:49) Matt Carpenter interview, Part 3 of 3 ² Matt and I continue with our conversation about a need-based appeal ² I share a story about how some colleges are not transparent when it comes to home equity and that can be a game changer ² Matt gives a shout out to a college that does a great job if your income changes from the base year ² Matt and I talk about the easiest way to win a need-based appeal ² Matt discusses whether it is best to make a specific ask versus a general ask when appealing for more money ² Matt and I discuss the importance of tone when you appeal ² Matt tells our listeners, don't use the N word, but you have to listen to find out what the N word is ² Matt and I discuss the competitor appeal ² Matt gives some tips of how to know who is a good school for you to do a competitor appeal with ² Matt shares whether he recommends you send paperwork for one school or, or for no schools, or for many schools ² Matt gives more details about, what the appeal meeting with a financial aid officer looks like ² Matt and I talk about whether the student or parent should initiate the appeal process ² Matt and I discuss whether colleges lead with their best financial offer in the Early Decision round ² Matt closes with some great resources and a special financial offer for our listeners (35:09) Question - A mom from Arizona is a college counselor and she wants to know how she can invited to more college fly-ins. (01:08:32) Interview: Mark interviews Kev Sanders, Associate Director of Admissions, University of Utah Preview of Part 2 o Kev talks about the amazing location of the Utah campus, and he explains all of the opportunities that are available for students at the University of Utah o Kev tells us more about Salt Lake City, which is where Utah is located o Kev describes the athletic school spirit at Utah o Kev goes into more detail about approximately 10 of the strongest programs Utah offers o I ask Kev about some areas that one of the families I am working with that has a student at Utah wishes could be different, and Kev responds to these constructive criticisms Recommended Resource Guide to help first year students complete the Common Application- Application guide for first-year students Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast. You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day. To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses. Check out our new blog. We write timely and insightful articles on college admissions: https://yourcollegeboundkid.com/category/blog/ Follow Mark Stucker on Twitter to get breaking college admission news, and updates about the podcast before they go live. You can ask questions on Twitter that he will answer on the podcast. Mark will also share additional hot topics in the news and breaking news on this Twitter feed. Twitter message is also the preferred way to ask questions for our podcast: 1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search for and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK. Please subscribe to our podcast. It really helps us move up in Apple's search feature so others can find our podcast. If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful! If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live. Check out the college admissions books Mark recommends: https://yourcollegeboundkid.com/recommended-books/ Check out the college websites Mark recommends: https://yourcollegeboundkid.com/recommended-websites/ If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link: https://docs.google.com/forms/d/e/1FAIpQLScCauBgityVXVHRQUjvlIRfYrMWWdHarB9DMQGYL0472bNxrw/viewform If you want a college consultation, text Mark at 404-664-4340, or email us at yourcollegeboundkid@yahoo.com All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

The worst of Wednesday's rain may be in the past, but some serious threats remain. We've got the latest on alerts and evacuations, including the emergency in Wrightwood. SoCal Veterans get a big win when it comes to future housing. Plus, more from Morning Edition. Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.com Visit www.preppi.com/LAist to receive a FREE Preppi Emergency Kit (with any purchase over $100) and be prepared for the next wildfire, earthquake or emergency!Support the show: https://laist.com

Send us a textYou can't fake perspective. It's earned in the lows that most people won't talk about: childhood chaos, addiction, grief that knocks the air from your lungs, and careers capped by glass ceilings. We sat down as owners and team leads to tell the truth about how those lows forged our leadership, sharpened our empathy, and set the tone for how we build brokerages that actually serve people.We start with raw origin stories and the flip from victimhood to agency—therapy before tactics, faith before funnels, and mentors who make you fix your life before your lead gen. Then we break down the real market from 2023 to 2025 without spin: morale is a metric, culture is hard work, and smaller wins keep teams moving. You'll hear how we cut break-even side plays, killed bad spend, and focused on what we do best so our people could keep winning even when the weather turned.Looking ahead, we outline a clear 2026 plan. Scott shares a global dive into modular construction and factory robotics that could cut build times to days and costs below $100 per foot, with partnerships spanning China, LA, and Dubai. Ronnie leans into scaling Resi Realty by embracing the hard lessons of 2025 and doubling down on people-first systems. Jeff commits to owning a headquarters, expanding into new cities, resurrecting a profit-focused production team, and entering asset management and REO as cycles shift. The throughline is simple: invest in people, protect hope, eliminate waste, and make sure every effort returns value.If you're tired of empty hype and hungry for practical strategy, mindset shifts, and real leadership, this conversation is your playbook. Subscribe, share it with someone who needs the push, and leave a review telling us the one choice you'll make differently this year.Use this version for podcast platforms (clean formatting, dual CTA included):2025 Wins & Losses — A Conversation About Pain, Purpose & LeadershipIn this Christmas Day special, Mark Jones hosts an incredibly raw and transparent roundtable with Scott Malouff, Jeff Garza, and Ronnie Trevino—three of San Antonio's top real estate leaders.Together, they discuss:Childhood traumaAddiction and recoveryLoss of loved onesLeadership pressureBetrayals in businessMental health & emotional intelligenceFaith, healing, and rebuilding a life of purposeThis is the most vulnerable conversation ever recorded on the Key Factors Podcast.If you're navigating life, business, or leadership in any capacity—this episode will speak directly to you.Apply for Home Financing with Mark Jones: https://www.iThinkMortgage.comSubscribe to The Key Factors Podcast: https://www.youtube.com/@keyfactorspodcastCHANNEL DISCLOSURE: Mark Jones, Senior Loan Officer | NMLS#513437 iThink Mortgage powered by Premier Mortgage Resources | NMLS #1169 Equal Housing Lender All content on this channel is for educational purposes only and does not constitute a commitment to lend. Loan terms and availability are subject to credit approval, underwriting guidelines, and market conditions. Opinions are my own and do not necessarily reflect those of my company. No compensation is given or received for referrals, endorsements, or podcast appearances, in coSupport the showKey Factors Podcast is Powered by LoanBot.com Host: Mark Jones | Sr. Loan Officer | NMLS# 513437 If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

How can investors build long-term wealth in today's housing market? In this episode of The Real Wealth Show, Kathy Fettke sits down with real estate investor Anson Young to break down the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat) and how he's using out-of-state rentals, DSCR loans, and midterm rentals to scale cash-flowing portfolios. Anson shares how he transitioned from flipping homes to long-term holds, why markets like the Midwest offer compelling opportunities, and how investors can manage renovations and rentals from afar. If you're looking for a practical, no-hype approach to building sustainable real estate wealth, this episode is a must-listen.

Welcome to the Leading Edge in Emotionally Focused Therapy, hosted by Drs. James Hawkins, Ph.D., LPC, and Ryan Rana, Ph.D., LMFT, LPC—Renowned ICEEFT Therapists, Supervisors, and Trainers. We're thrilled to have you with us. We believe this podcast, a valuable resource, will empower you to push the boundaries in your work, helping individuals and couples connect more deeply with themselves and each other. In this episode of “Push the Leading Edge”, James Hawkins and Ryan Rana dive into one of the most anxiety‑provoking parts of EFT: when the caregiving system red-lights right in the middle of beautiful vulnerability. Drawing on attachment theory and years of EFT training experience, they explore “caregiving nightmares”—those predictable moments when a partner can't respond with comfort, even when their loved one is wide open and reaching. They unpack how pursuers and withdrawers each bring their attachment strategies into the caregiving role: withdrawers often “loan out their avoidance” as a form of love, and pursuers “up the ante” as their way of fighting for the bond. Rather than shaming these moves or bypassing them to “get to the heart,” James and Ryan show how to move toward the blocks themselves as emotional material, validating the attachment logic inside them and using structured, attuned interventions to help partners reclaim their caregiving systems. With rich clinical examples, regulation strategies for therapists, and practical language you can use tomorrow, this episode helps you trust the process, trust the caregiving system, and stay with the red lights long enough for new attachment experiences to emerge. Main Points from the Episode Framing: “Caregiving Nightmares” & Red Lights  - Focus on stage 2 / step 6 caregiving positions, and the “back half” of vulnerable enactments.    - The “red light” is the blocked caregiving system: the partner can't offer simple comfort even when they want to. Predictable Attachment Patterns in Caregiving  - Withdrawers as caregivers:    - “Loan out their avoidance” or self-reliance: advice, positivity, “be comfortable in your own skin.”      - This is a form of love and responsiveness, but often misattuned.    - Pursuers as caregivers:      - “Up the ante”: test, push, or kick the tires on vulnerability (“it's just words,” “you only do this in here”).      - Driven by hope and fear of being dropped again. Therapist Regulation & Preparation  - Pre‑regulate before couples sessions; expect blocks as part of the process, not a failure.  - If the therapist dysregulates, you now have three protection systems in the room. Working with Withdrawer Red Lights  - Steps:    1. Regulate yourself.        2. Offer an attuned, assertive interruption (contain the cycle).        3. Give 3–5 concrete validations of the withdrawer's strategy as attachment‑driven care.        4. Reframe the strategy's attachment function (“this is how you love/protect”).        5. Then gently move toward the part that wants to reach.      - Don't bypass the strategy; work with it as emotional material. Working with Pursuer Red Lights  - Normalize that pursuers often lash out or test the first vulnerabilities they've begged for.    - Validate their vision, hope, and fight for the relationship (3–5 validations).      - Help them notice their somatic/empathic response to the partner's pain (1% of reach or comfort).      - Avoid shaming language like “you're going to your head.” Use of Numbers & Repetition  - “Magic” 3–5 validations to regulate a nervous system.    - Sue Johnson's idea: clients often don't really hear you until about the 5th repetition. Tourniquets & Sender Protection  - After a strong send + strong red light, layer tourniquets on the sender so they:    - Feel caught and not blamed.        - Are reinforced to risk again.      - Never make the sender give up their experience just to soothe the blocked caregiver. Trusting the Caregiving System  - Leanne Campbell's idea: trusting the process = trusting the caregiving system.    - People do know how to care; the cycle paralyzes access.      - Our job is to create conditions for that caregiving instinct to re‑emerge experientially. Hope, Respect, and Attachment Change  - Both pursuer protest and withdrawer avoidance are hopeful, survival strategies.    - Change often comes through “begrudging respect”: seeing a partner fight their old pattern for the relationship. We aim to equip therapists with practical tools and encouragement for addressing relational distress. We're also excited to be part of the team behind Success in Vulnerability (SV)—your premier online education platform. SV offers innovative instruction to enhance your therapeutic effectiveness through exclusive modules and in-depth clinical examples.  Stay connected with us: Facebook: Follow our page @pushtheleadingedge Ryan: Follow @ryanranaprofessionaltraining on Facebook and visit his website James: Follow @dochawklpc on Facebook and Instagram, or visit his website at dochawklpc.com George Faller: Visit georgefaller.com If you like the concepts discussed on this podcast you can explore our online training program, Success in Vulnerability (SV). Thank you for being part of our community. Let's push the leading edge together!

Episode 608 If you want help mapping out a clear, step by step plan to grow your production, visit GetMoreLoans.com. Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl sits down with Chris Kloc, a Chattanooga based loan officer who is just four years into the business and on pace to close roughly 175 loans in 2025. Chris shares his journey from being completely outside the mortgage industry to building a high performing, leveraged team and producing at a level most loan officers never reach. Chris breaks down the simple principles that fueled his growth, including ruthless implementation, tracking daily activity, and shortening the gap between learning something proven and actually doing it. He explains how accountability, consistency, and being highly active and visible in the market drove both his purchase and refinance production. The conversation also dives into team structure, buying back time, and why knowing your real job as a loan officer is critical once production starts to scale. Chris outlines how he built leverage around himself so he could stay focused on lead generation, consultations, and leadership. If you are early in your career or stuck at a few loans a month and want a clear picture of what it really takes to scale quickly without burning out, this episode delivers practical lessons you can apply immediately.

In this episode you will hear: We welcome a new member to our podcast, Carter Delloro, Co-Director of College Counseling at the Marymount School of New York. Carter will discuss a New Yor Times article, "The Early Decision Option Is a Racket. Shut It Down"-Part 3 of 3 Mark and Lisa answer a QFL from a listener who wants advice because a lot of the student in her area are discouraged because they didn't get in to the colleges they applied to in the early round. Recommended Resources Colleges that allow self reporting of test scores Colleges that Allow Self-Reporting of SAT and ACT Scores Great source for questions about finances and college Edvisors: Financial Aid, Student Loans, Scholarships and Money Management FAFSA Walkthroughs Mark recommends Complete FAFSA 2026‑2027 Walkthrough | From Start to Submit 2023-2024 FAFSA Walkthrough Video English CSS PROFILE Walkthroughs CSS Profile Walkthrough MEFA Institute: A Deep Dive into the CSS Profile Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast. You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day. To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses. Check out our new blog. We write timely and insightful articles on college admissions: https://yourcollegeboundkid.com/category/blog/ On X for our podcast: https://twitter.com/YCBKpodcast 1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK. Please follow our podcast. It really helps us move up in Spotify and Apple's search feature so others can find our podcast. If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful! If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live. Check out the college admissions books Mark recommends: https://yourcollegeboundkid.com/recommended-books/ Check out the college websites Mark recommends: https://yourcollegeboundkid.com/recommended-websites/ If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link: https://docs.google.com/forms/d/e/1FAIpQLScCauBgityVXVHRQUjvlIRfYrMWWdHarB9DMQGYL0472bNxrw/viewform If you want a college consultation with Mark just text Mark at 404-664-4340 or email at mark@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

European Union leaders strike a deal to give Ukraine a $105 billion loan after failing to agree on using frozen Russian assets. Zelensky welcomes EU backing. Putin tells BBC the West is "making Russia the enemy." Also: TikTok owners sign deal to avoid US ban. We travel down into the deep tunnels in Finland where nuclear waste is to be buried. The Bank of Japan raises its interest rate to its highest level in 30 years -- but it's still less than 1%. A mysterious object from outside our solar system heads to its closest point to Earth. Known as 3i Atlas, it's travelling at more than 200,000 km/h. The Global News Podcast brings you the breaking news you need to hear, as it happens. Listen for the latest headlines and current affairs from around the world. Politics, economics, climate, business, technology, health – we cover it all with expert analysis and insight. Get the news that matters, delivered twice a day on weekdays and daily at weekends, plus special bonus episodes reacting to urgent breaking stories. Follow or subscribe now and never miss a moment. Get in touch: globalpodcast@bbc.co.uk

A.M. Edition for Dec. 19. Europe throws Kyiv a fiscal lifeline in a move officials say could give Kyiv more leverage in negotiations over ending the war, but fail to agree on a plan to tap frozen Russian assets. Plus, OpenAI aims to raise as much as $100 billion to pay for its ambitious growth plans in a market that has started to cool on the artificial-intelligence boom. And WSJ Tokyo bureau chief Jason Douglas explains how interest-rate rises in Japan could push up borrowing costs in the U.S. Luke Vargas hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

The One Big Beautiful Bill Act made a lot of changes to the federal student loan system. One of those changes put a new cap on the amount of loans students in graduate school can take on. Today on the show, we explain the theory behind this change and how it could impact the broader labor market going forward.Related episodes: The Market For Student LoansHere's why Black students are defaultingStudent loans are back, U.S. travel is whack, and AI — please, step backFor sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Sierra Juarez. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter. Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy