Podcasts about loan program

Steve Bugg, President & CEO of Great Lakes Credit Union, joins WGN's Jon Hansen to discuss how they reinvest in their community and their competitive rates. Steve also shares how they are building community ties in Hispanic neighborhoods and talks about their Quinceañera Loan Program. For more information, visit: www.glcu.org.

Follow us on X: @derrickvanorden @americasrt1776 @ileaderssummit @NatashaSrdoc @JoelAnandUSA @supertalk Join America's Roundtable (https://americasrt.com/) radio co-hosts Natasha Srdoc and Joel Anand Samy with Congressman Derrick Van Orden who proudly represents the people of Wisconsin's 3rd Congressional District. He was first elected to the House of Representatives in 2022. He is the Chairman of the House Veterans' Affairs Economic Opportunity Subcommittee. He also serves on the House Agriculture Committee and House Armed Services Committee. The conversation focuses on: * Congressman Van Orden's authored VA Home Loan Program Reform Act, which allows veterans who have fallen behind on their mortgages to receive federal assistance. * The impact of The One Big Beautiful Bill Act | No tax on tips, no tax on social security, and key benefits for the middle class and small business owners. * Congressman Van Orden's Bill to Restore Integrity in Agriculture Immigrant Workforce System, and preventing labor shortages. During his time in office, Derrick has focused on providing for farmers, veterans, and service members, and has been a staunch advocate for fiscal responsibility and accountability in Washington. Derrick's journey of public service started when he joined the Navy at the age of 18. He had the honor to serve our great nation for 26 years. He retired as a Navy SEAL Senior Chief with 5 combat deployments and several others to troubled areas in the world. His first combat deployment was to Bosnia Herzegovina immediately following the signing of the Dayton Accords. During this time, he came to understand how truly unique and wonderful America is, and why She is not only worth emulating but protecting. Derrick continued his service with multiple combat tours to Afghanistan and Iraq. Additionally, he served in the Horn of Africa, Asia, Europe, and South and Central America. During his tour in Europe in 2012, he was responsible for planning Special Operations contingency operations for the European Continent. Follow us on X: @derrickvanorden @americasrt1776 @ileaderssummit @NatashaSrdoc @JoelAnandUSA @supertalk America's Roundtable is co-hosted by Natasha Srdoc and Joel Anand Samy, co-founders of International Leaders Summit and the Jerusalem Leaders Summit. America's Roundtable (https://americasrt.com/) radio program focuses on America's economy, healthcare reform, rule of law, security and trade, and its strategic partnership with rule of law nations around the world. The radio program features high-ranking US administration officials, cabinet members, members of Congress, state government officials, distinguished diplomats, business and media leaders and influential thinkers from around the world. Tune into America's Roundtable Radio program from Washington, DC via live streaming on Saturday mornings via 68 radio stations at 7:30 A.M. (ET) on Lanser Broadcasting Corporation covering the Michigan and the Midwest market, and at 7:30 A.M. (CT) on SuperTalk Mississippi — SuperTalk.FM reaching listeners in every county within the State of Mississippi, and neighboring states in the South including Alabama, Arkansas, Louisiana and Tennessee. Tune into WTON in Central Virginia on Sunday mornings at 6:00 A.M. (ET). Listen to America's Roundtable on digital platforms including Apple Podcasts, Spotify, Amazon, Google and other key online platforms. Listen live, Saturdays at 7:30 A.M. (CT) on SuperTalk | https://www.supertalk.fm

Mason Fredrickson leads Move Forward Financial, providing loan services for Windermere clients. Former commercial loan officer with extensive banking background, now specializing in the Windermere Ready Loan program.[0:00-5:00] Program OverviewWhat is Windermere Ready and why it was createdSolving the cash flow problem for home preparationAddressing market conditions where days on market are expanding[5:00-15:00] How It's DifferentComparison to traditional HELOCsStreamlined approval process (minutes to next day)No monthly payments due until escrow closeEquity-based lending decisions[15:00-25:00] ROI and Investment AreasPotential 100% ROI on improvementsTop investment categories: staging, landscaping, painting, flooring, kitchensBinary benefit: sale vs. no sale[25:00-35:00] Agent BenefitsCompetitive advantage in listing presentationsReputation building as "ready for market" specialistNo financial burden on agentsAvailable presentation materials in Present CMA tool[35:00-45:00] Loan StructureTwo loan types: Under $50K (unsecured) vs. Over $50K (real estate secured)6-12 month termsAvailable across all Windermere states[45:00-End] Program Evolution & ContactFocus on universal awarenessFuture lending tools development✓ Include Windermere Ready in every listing presentation✓ Use as competitive differentiator✓ Perfect safety net for sellers without upfront cash✓ Builds agent reputation for premium listings✓ Streamlined process removes friction from home preparationProgram Website: WindermereReady.comHost: Michael Fanning - fanning@windermere.comGuest: Mason Fredrickson - Contact details available at WindermereReady.comFor Windermere Agents: Find presentation materials in Present CMA tool"Be awesome and help somebody" - Michael FanningKey Discussion Points & TimestampsKey TakeawaysContact Information

Bob and John Hupalo discuss all the new changes with student loan debt. This is can't miss information for every student loan borrower.

In a surprising twist of events, a white farmer (a dairy farmer in Wisconsin) is suing the Trump administration for discriminating against white farmers. The details of this story trace back to a Biden administration diversity, equity, and inclusion program hidden within the American Rescue Plan.Let's go through the legal history of this program, as well as what remnants of it remain within the U.S. Department of Agriculture today.

The ThriveOn Small Business Loan Program has helped 16 local businesses find success through lending and social returns.

U.S. Labor Department data shows job starts exceeding expectation in March, while the Paychex Small Business Employment Watch indicates job levels are consistent with previous months. Does this indicate a better outlook? Gene Marks talks about it in this episode, but also says the economy might be influenced by the 14% of employers who are decreasing salary offers and another 20% are scaling back on raises. Businesses with loans from the SBA also must contend with changes in programs that include increased fees for popular 7(a) loans. Listen to the podcast. Resources: Paychex Small Business Employment Watch - https://bit.ly/4lG7hTV DISCLAIMER: The information presented in this podcast, and that is further provided by the presenter, should not be considered legal or accounting advice, and should not substitute for legal, accounting, or other professional advice in which the facts and circumstances may warrant. We encourage you to consult legal counsel as it pertains to your own unique situation(s) and/or with any specific legal questions you may have.

(Mar 26, 2025) The state Conservative Party has announced a slate of preferred candidates to replace Congresswoman Elise Stefanik, and it's causing a stir among GOP hopefuls; a debacle in the Department of Veterans Affairs has left many veterans, including some around Fort Drum near Watertown, on the verge of losing the homes they bought through a federal home loan program; and the Dunhams Bay Fish & Game Club will hold a sportsman's flee market this weekend where people can barter, sell or trade used gear.

What does the shakeup at the Department of Education mean for current and future student loan borrowers? Could it lead to future reforms with an even greater impact on the cost of a college degree? (at 12:58) --- Flashback Friday: President Trump wants to create a federal stockpile of digital assets and make America the cryptocurrency capital of the world, and there is much money to be made... but the most important part of the Bitcoin story has little to do with investing in it (at 23:38) --- Hearty Irish recipes for St. Patrick's Day from Kyra's Kitchen (at 45:11)

The Trump Administration's attempt to freeze federal funding threatened grant-funded social services.

FRIENDS AND ENEMIES What are we to make of the $TRUMP and $MELANIA scam coins? Are we going to see an SBR established? How much more money is Canada planning on giving away to immigrants? ALL THAT AND MORE ON THIS WEEK's CBP. Join us for some QUALITY Bitcoin and economics talk, with a Canadian focus, every Monday at 7 PM EST. From a couple of Canucks who like to talk about how Bitcoin will impact Canada. As always, none of the info is financial advice. Website: ⁠www.CanadianBitcoiners.com ⁠Discord:   / discord   A part of the CBP Media Network: ⁠www.twitter.com/CBPMediaNetwork This show is sponsored by: easyDNS - ⁠⁠www.easydns.com⁠⁠ EasyDNS is the best spot for Anycast DNS, domain name registrations, web and email services. They are fast, reliable and privacy focused. You can even pay for your services with Bitcoin! Apply coupon code 'CBPMEDIA' for 50% off initial purchase Bull Bitcoin - ⁠⁠https://mission.bullbitcoin.com/cbp⁠⁠ The CBP recommends Bull Bitcoin for all your BTC needs. There's never been a quicker, simpler, way to acquire Bitcoin. Use the link above for $20 bones, and take advantage of all Bull Bitcoin has to offer. D-Central Technologies - https://d-central.tech/ Your home for all things mining! Whether you need a new unit, a unit repaired, some support with software, or you want to start your own wife-friendly home mining operation, the guys at D-Central Tech are ready to help. With industry leading knowledge and expertise, let the D-Central team help you get started mining the hardest money on Earth.

FRIENDS AND ENEMIES What are we to make of the $TRUMP and $MELANIA scam coins? Are we going to see an SBR established? How much more money is Canada planning on giving away to immigrants? ALL THAT AND MORE ON THIS WEEK's CBP. Join us for some QUALITY Bitcoin and economics talk, with a Canadian focus, every Monday at 7 PM EST. From a couple of Canucks who like to talk about how Bitcoin will impact Canada. As always, none of the info is financial advice. Website: ⁠www.CanadianBitcoiners.com ⁠Discord:   / discord   A part of the CBP Media Network: ⁠www.twitter.com/CBPMediaNetwork This show is sponsored by: easyDNS - ⁠⁠www.easydns.com⁠⁠ EasyDNS is the best spot for Anycast DNS, domain name registrations, web and email services. They are fast, reliable and privacy focused. You can even pay for your services with Bitcoin! Apply coupon code 'CBPMEDIA' for 50% off initial purchase Bull Bitcoin - ⁠⁠https://mission.bullbitcoin.com/cbp⁠⁠ The CBP recommends Bull Bitcoin for all your BTC needs. There's never been a quicker, simpler, way to acquire Bitcoin. Use the link above for $20 bones, and take advantage of all Bull Bitcoin has to offer. D-Central Technologies - https://d-central.tech/ Your home for all things mining! Whether you need a new unit, a unit repaired, some support with software, or you want to start your own wife-friendly home mining operation, the guys at D-Central Tech are ready to help. With industry leading knowledge and expertise, let the D-Central team help you get started mining the hardest money on Earth.

In the latest episode of Wash Talk: The Carwash Podcast, host Rich DiPaolo welcomes Kurt Chambliss, executive vice president of business development for TMC Financing, to discuss the SBA 504 Commercial Real Estate Loan Program. This financing option is increasingly popular among carwash operators looking to expand or upgrade their facilities. Chambliss provides an in-depth explanation of the SBA 504 Loan Program, detailing how it helps businesses finance real estate, equipment, construction, improvements and renovations. He also discusses the potential for operators to take out multiple loans and how these can be structured to maximize financial benefits. The episode also delves into the SBA 504 Green Loan Program, a valuable opportunity for carwash businesses aiming to incorporate energy-efficient upgrades. Chambliss shares examples of qualifying projects and how they can lead to cost savings. Additionally, he covers the pros and cons of refinancing to improve cash flow, offering insights into situations where refinancing has been particularly advantageous. See how partnering with the right certified development company (CDC) to secure financing can make a huge difference. Chambliss shares tips on what carwash owners should look for in a CDC to ensure a successful financing experience. He concludes the episode with practical advice for operators on navigating the financing landscape to achieve their growth and improvement goals. For more information and to find a reputable CDC in your area, please visit SBA.GOV.

AP correspondent Lisa Dwyer reports that the Small business disaster loan program is out of money.

The Department of Defense is prepared to award nearly $1 billion in loans to jumpstart technology critical to national security. The office, established in 2022, recently issued a Notice of Funding Availability laying out the criteria and application process for the Pentagon loans. The loans can be awarded to 31 categories ranging from quantum science to space propulsion. OSC Director Jason Rathje joins Morgan Brennan to discuss the new program and the intersection between technology and national security.

The Department of Defense is prepared to award nearly $1 billion in loans to jumpstart technology critical to national security. The office, established in 2022, recently issued a Notice of Funding Availability laying out the criteria and application process for the Pentagon loans. The loans can be awarded to 31 categories ranging from quantum science to space propulsion. OSC Director Jason Rathje joins Morgan Brennan to discuss the new program and the intersection between technology and national security.

A Washington state home loan program promises to counter racial discrimination by limiting the ethnicities of those eligible for its services. The Covenant Homeownership Program is a product of the state's 2023 Covenant Homeownership Act, which received bipartisan support in the state legislature. That law directed the Washington State Housing Finance Commission to conduct a study on ways to reverse “racial disparities in home ownership.” “The Covenant Homeownership Act acknowledges the State government's role as both an active and passive participant in generations of discriminatory policies and practices that created barriers to credit and homeownership for historically marginalized communities in Washington and that these discriminatory actions continue to impact these communities today,” the study reads.

What’s Trending: The mother of the 13-year-old girl who was killed in a shooting at Alderwood mall is calling for some reforms to soft-on-crime policies. Fox News’s Karl Rove points out that the polls don’t look as good for Kamala Harris as people might think. // Washington State has a racist loans program that is essentially reparations. // Door Dash is donating large sums of money to fight back against Seattle’s minimum wage ordinance. Activists are claiming that it’s proof they can afford to pay their workers a living wage.

Beginning on September 25, 2024, the U.S. Department of Agriculture Farm Service Agency will implement changes to its Farm Loan Programs. FSA Administrator and South Dakota rancher Zach Ducheneaux says they had four main objectives for the changes being made.

In this episode, host Ray Drew delves into the transformative changes within the SBA 7(a) Small Loan Program. With the new SOP increasing what they consider a “small loan” from $350,000 to $500,000 and streamlining processes, SBA lending has seen a renaissance in small loans. Key topics covered include: The shift in the secondary market favoring smaller loans The role of major banks in processing these loans How major banks are stepping up their game for small loans Fintechs role in sourcing these small loans Strategies for creating and scaling a sustainable small loan program Ray brings in more Art of SBA Contributors to share their own first-hand experiences with the changes, and break down the essentials of originations, processing and underwriting in the new and growing small loan landscape of our industry. This weeks contributors: Mike Breckheimer, President and CEO of Windsor Advantage Darren Davis, President of SBA Lending at Colony Bank Christopher Hackney, President of SBA Lending at BayFirst and cohost of the BDO Show Tune in to discover how your bank can navigate and thrive in this evolving landscape of SBA small loans. Don't miss this in-depth analysis and expert panel discussion! Navigate this episode: Introductions 1:30 Ray introduces and this weeks topic: The rise of the SBA Small Loan Program 7:05 Introduction to this weeks Art of SBA Contributors 7:25 How our panelists banks are handling small balance loans currently and moving forward. Discussing Originations 11:30 Sourcing deal flow and partnerships with fintech's 12:35 Keys to success when working with high volume small loan brokers Discussing Credit 23:00 Creating an efficient, scalable system without taking on more risk 25:20 Auto-decisions for smaller loans 26:55 The possibility of SBA turning into fintech Overall views of the SBA Small Loan Program 32:25 Biggest obstacle SBA shops face heading into this next era 35:33 Bottle necks in SBA 38:40 Success stories and positive impacts on business owners This episode is sponsored by: Lumos Data Lumos empowers your small business lending growth with cutting-edge analytics and streamlined applications that optimize your performance. If you're ready to take your small business lending to the next level with cutting edge analytics visit lumosdata.com. Rapid Business Plans Rapid Business Plans is the go-to provider of business plans and feasibility studies for government guaranteed small business lenders. For more information, or to set up a Get Acquainted call go to http://www.rapidbusinessplans.com/art-of-sba Loving The Art of SBA Lending episodes? Make sure to follow along with our sister shows, The BDO Show and SBA Today, each week with the links below! Https://www.YouTube.com/@thebdoshow Https://www.YouTube.com/@sbatoday BDO's…let's start your weeks strong! Sign up for our weekly sales advice series, Sales Ammo. Every Monday morning wake up to a piece of Rays sales advice in your inbox to help you rise to the top. Subscribe here: https://www.artofsba.com/army-of-bdos Head to www.artofsba.com for more information and to sign up for our must-read monthly newsletter to stay up to date with The Art of SBA Lending.

In this comprehensive video, we dive deep into understanding the structure, benefits, and nuances of the SBA 504 loan program, a powerful tool for small business financing. Whether you're an entrepreneur seeking funding for a startup or an established business looking to expand, this video will equip you with the knowledge and insights you need to navigate the world of SBA lending with confidence. Don't miss out on this essential resource for unlocking the capital you need to take your business to the next level! If you'd like to meet with Beau to talk financing, book a call here ( http://bookwithbeau.com/ )

FSA Emergency Loan Program Grazing Cover Crops in No-Till Cropping Systems When to Remove Bulls from Breeding   00:01:05 – FSA Emergency Loan Program: Kansas Farm Service Agency farm loan chief Josh Ridder begins today's show by reminding listeners about the emergency loan program at FSA. He explains the eligibility and requirements. Farmers.gov Farmers.gov/loans www.agriculture.ks.gov/DOCLivestockWater Dave Jones: David.Jones@ks.gov    00:12:05 – Grazing Cover Crops in No-Till Cropping Systems: Logan Simon, K-State Extension agronomist, keeps the show rolling discussing his recently published research on the benefits of grazing cover crops. Cover Crops Grazing Effects on Soil Properties in No-Tillage Dryland Cropping Systems in the Central Great Plains   00:23:05 – When to Remove Bulls from Breeding: The show wraps up with K-State's Brad White, Phillip Lancaster and Bob Larson with another segment from the Beef Cattle Institute's Cattle Chat Podcast. The experts discuss how producers should approach removing bulls during the breeding season. BCI Cattle Chat Podcast Bovine Science with BCI Podcast Email BCI at bci@ksu.edu     Send comments, questions or requests for copies of past programs to ksrenews@ksu.edu.   Agriculture Today is a daily program featuring Kansas State University agricultural specialists and other experts examining ag issues facing Kansas and the nation. It is hosted by Shelby Varner and distributed to radio stations throughout Kansas and as a daily podcast.   K‑State Research and Extension is a short name for the Kansas State University Agricultural Experiment Station and Cooperative Extension Service, a program designed to generate and distribute useful knowledge for the well‑being of Kansans. Supported by county, state, federal and private funds, the program has county Extension offices, experiment fields, area Extension offices and regional research centers statewide. Its headquarters is on the K‑State campus in Manhattan

Welcome to our channel where we share valuable tips and tricks for securing business acquisition financing. Whether you are a first-time entrepreneur or a seasoned business owner, finding the right financing can be a daunting task. But don't worry, we've got you covered. In this video, we'll share our top 2 tips for successfully acquiring financing for your business. From understanding different types of loans to knowing what lenders look for, we'll give you the inside scoop. So grab a pen and paper and let's get started! If you'd like to meet with Beau to talk financing, book a call here ( http://bookwithbeau.com/ )

Gene Marks delves into various key topics in this episode. He starts by discussing the impact of the Department of Labor's new overtime rule, effective from July 1. The rule not only adjusts financial thresholds for overtime pay eligibility but also emphasizes fair compensation across industries, urging businesses to align with these new norms. View our on-demand webinar at https://go.paychex.com/OT-rule. Moving on to small business employment trends, Gene highlights an uptick in weekly hours worked but notes a slowdown in hourly wage growth. He also addresses the Small Business Administration's unveiling of a new working capital loan program that provides swift access to working capital through SBA's bank network, distinguishing it from traditional loan offerings. One crucial aspect Gene touches upon is the provision of 401(k) benefits, essential for employee retention and satisfaction. Despite the benefits these plans offer, a significant number of small businesses, particularly those with 1-50 employees, still do not provide 401(k) benefits. DISCLAIMER: The information presented in this podcast, and that is further provided by the presenter, should not be considered legal or accounting advice, and should not substitute for legal, accounting, or other professional advice in which the facts and circumstances may warrant. We encourage you to consult legal counsel as it pertains to your own unique situation(s) and/or with any specific legal questions you may have.

Nonpublic schools now have more flexibility in choosing books through the state's textbook loan program. That's a change from when they could only request what the public school in their district asked for.

US Small Business Administration plans to unveil new government backed credit lines of up to $5 million for small businesses. This new lending product is aimed to increase access to simpler working capital lines to increase sales, support operations, and grow their businesses. Business owners interested in learning more and/or applying for the program should go to the SBA website at sba.gov

Congressman Jim Banks joined Fort Wayne's Morning News with Kayla Blakeslee to talk about the USDA Loan Program that has been cut. See omnystudio.com/listener for privacy information.

Representative Bob Morris joined Fort Wayne's Morning News to talk with Kayla Blakeslee about the USDA loan program getting cut, leaving many homeless. See omnystudio.com/listener for privacy information.

  Homeownership is a cornerstone of the American dream, but for many, it remains just that—a dream. The First Generation Homebuyer Loan Program is changing the narrative, and we've got the inside scoop straight from the experts.   This week our guest is Heidi Welch from the Minnesota Housing Finance Agency and we sat down to discuss a groundbreaking opportunity for first-time homebuyers. Heidi has over a decade of experience with the state, and she sheds light on the details of the program, its goals, and how it's set to help bridge the housing disparity gap in Minnesota.   For listeners outside Minnesota, the episode is equally enlightening. Nearly every state has a housing finance organization, and Heidi encourages homebuyers to explore these wherever you are. It is important to choose the right loan officer that can better inform you about these life-changing opportunities. Heidi emphasizes the critical role of homebuyer education and the wealth of resources available to those willing to seek them out and how Realtors can help to better inform their clients.    We found this conversation incredibly eye opening and informative and we are grateful Heidi took the time to share this information with us. Let's dive in!

This week we have Steve Miriani, founder of Diamond Financial joining us to get into the industry hot topic, raising the SBA 7(a) limit. Listen in to hear Ray and Steve discuss why this needs to be a priority and what steps are being taken to get us there. We also discuss the journey of Steve's career, how creating his own niche led him to his success, and the overall state of SBA today. Steve has created a petition to show the SBA that we are serious about raising the cap, we signed it and encourage you to as well. Petition: https://www.ipetitions.com/petition/5-million-sba-cap-doesnt-buy-what-it-used-to Steve's website: https://diamondfs.com This episode is sponsored by: Able Able is an a AI-powered deal acceleration platform that streamlines the most hated process in SBA lending: document collection and management. You can learn more about Able and schedule a demo by going to www.able.ai Baker Lewis Baker Lewis is the SBA lending industry's premier executive search and personnel consulting firm.

Welcome to On the Brink with Andi Simon, the podcast where we delve into the stories, insights and wisdom of remarkable individuals who are trailblazing paths in the corporate world. I'm thrilled to have you join us today as we embark on a transformative journey with none other than Sandra Quince, an exemplary woman executive whose journey is nothing short of inspiring. Sandra Quince's narrative is a testament to resilience, determination and unwavering commitment to personal and professional growth. With a career spanning decades in the corporate landscape, Sandra has navigated through challenges and shattered glass ceilings and emerged as a beacon of empowerment for women everywhere. In today's episode, we have the privilege of unraveling the layers of Sandra's remarkable journey. From her humble beginnings to her ascent to executive leadership, Sandra's story is a poignant reminder of the power of perseverance and self-belief in the face of adversity. As we delve deeper into Sandra's narrative, we cannot help but be captivated by her profound insights into leadership and inclusivity. Sandra's wisdom transcends traditional notions of authority and is rooted in empathy, compassion, and a deep-seated commitment to fostering inclusivity and acceptance. Throughout our conversation, Sandra imparts invaluable lessons on the art of influence and the importance of cultivating diverse and inclusive cultures within organizations. Her belief in the transformative power of diversity is a guiding light for leaders aspiring to create environments where every voice is heard, valued, and respected. Moreover, Sandra's mantra of "owning your career" is a powerful reminder that in a world where opportunities are abundant yet fiercely competitive, it's imperative to take charge of our own destinies. Sandra's journey is a testament to the fact that when we assert ourselves and take ownership of our paths, we pave the way for success on our own terms. As we navigate the intricacies of Sandra's narrative, it becomes evident that her journey is not merely about personal triumphs but about paving the way for future generations of women leaders. Through her mentorship, advocacy, and unwavering commitment to championing diversity and inclusion, Sandra continues to drive positive change in the corporate landscape. I invite you to join us on this enriching journey as we unravel the tapestry of leadership with Sandra Quince. Her story is a testament to the transformative power of resilience, wisdom, and the unwavering belief in one's ability to shape their destiny. Additional resources for you My two award-winning books: Rethink: Smashing The Myths of Women in Business and On the Brink: A Fresh Lens to Take Your Business to New Heights Our new book, Women Mean Business: Over 500 Insights from Extraordinary Leaders to Spark Your Success, co-authored by Edie Fraser, Robyn Freedman Spizman and Andi Simon, PhD Our website: Simon Associates Management Consultants Read the transcript of our podcast here (edited for readability and grammatical correctness): Andi Simon: Welcome to On the Brink with Andi Simon. I am Andi Simon, your podcast host, and your guide. Remember, my job is to help you get off the brink. I find people who are going to do just that to help you. These words are very intentional: See, feel, and think in new ways so that you can change them. And I often tell people the brain hates me. It doesn't want to change. I'd rather stay where you are, even when you know it's better to be different and do something better. It's challenging for you to learn new techniques and begin to thrive with them. So today, I have a wonderful woman, Sandra Quince, with us. You can see her beautiful smile. I will tell you about her briefly, but she's also part of our new book, Women Mean Business: Over 500 Insights from Extraordinary Leaders to Spark Your Success. So I will show you her picture here, which is gorgeous, and she has a beautiful quote. Remember, our book has 102 women with 500 wisdoms to help you start and spark your success. It's a beautiful book.  It's selling like crazy, but her wisdom is compelling. "Be a leader who creates an environment where everyone can bring their best selves and thrive."  Sandra." loves the quote by Mahatma Gandhi. "The greatest of humanity is not in being human, but in being humane ."I share that with you because I've been doing a great deal of podcasting lately, and people say we must become more humane. Corporations have to become more concerned about their employees' and communities' well-being. Culture has to begin to focus on "we," not "I," and I can say those words, but we have to do them.  Let me share Sandra Quince's bio, and then she'll tell you about her journey because it's beautiful. Sandra Quince is the business enablement and leader on loan and loan program executive responsible for leading business operations across workforce development and arts and heritage while also serving as program executive for the Leader on Loan Program, which is for Bank of America.  Prior to this, she was the chief executive officer for Paradigm for Parity through Bank of America's Leader on Loan Program, and she was responsible for leading all elements of Paradigm for Parity, strategic plan, financial, programmatic, and operational performance. She'll tell you more about P4P because it is a huge opportunity for you to understand what it can do and what you can do. She worked with the coalition's co-chairs and board of directors to oversee and execute the organization's vision and growth plans. She's been featured in Essence CEO, World Magazine, Fast Company and interviewed on Fintech, Fintech TV, BBC, and Bloomberg Radio. She's just an outstanding leader in her community, through boards, and through her actions. And what I'm so excited about today is that I've developed a program to help companies change their cultures, not by thinking about diversity, equity, and inclusion as a program, but instead as a mindset, as a way of seeing the opportunities that come from having lots of different ideas, being more innovative, inclusive. And humans love to belong. They don't want to be outliers. They don't want to be necessarily forgotten. So, how do we build that kind of culture at a time when D and I are under a bit of siege? People are wondering why we're doing it. We're doing it because it is transformative for ourselves and our businesses. Sandra, thank you for joining me today. It's an honor and a pleasure. Sandra Quince: Oh, it's such a pleasure to be here with you. And thank you so much for having me on today. Andi Simon: Isn't it fun? I'd love you to tell the listener or the viewer about your journey because it sets the stage for what we'll discuss next. Who is Sandra Quince? Sandra Quince: Yeah, so thank you for that. My journey really started; I have been talking a lot about and reflecting on what makes Sandra who she is or who has had an influence on her. And so it brings me back to my childhood. I am a product of a military father. And so we traveled around a lot. And I think that experience in itself, because you meet so many different people and get a chance to interact with different cultures really helps to build who you are and helps you to see the world through a very different lens. I also think about the lessons that my great-grandmother taught me of being just a really kind and strong woman while being kind and being very cognizant of the fact that you're not better than others. It was part of my lessons growing up: how to be resilient and bounce back from things. She was a powerful woman, and while not formally educated, she was extremely intelligent. But then, it also taught me to stand up for myself, advocate for myself, and speak up for myself. And so that's where I draw that inner strength. When I became the CEO of Paradigm for Parity, that didn't happen by happenstance, right? There were a series of things that led up to that. But earlier in my career, Andrea, one of the things that I didn't understand was that when you put your head down and you're working hard, that wasn't enough. And I showed up to laugh. Andi Simon: I know, I know the feeling well.  Sandra Quince: So you show up. I was a first-generation college student. I was a first-generation corporate. I needed help understanding the rules of the road. And while I had these beautiful life lessons, I wasn't sure how to employ them at that moment. And I came into the workforce thinking, if you just put your head down and do really good work, you will get promoted. And while doing really good work is a part of what we all should do, because that's table stakes, that is not the only path that leads you to promotion. That is just one part of many different things we must consider in the workplace. And so I did learn that I needed to not just do good work, but I also needed to understand what I wanted out of my career. I needed to understand how to advocate for myself, employ the life lessons I learned earlier as a child, and speak up and talk about the good work I was doing. So think about how are you telling your story. How are you telling others about the work you're leading and doing but adding value to your organization and advocating for yourself? And I learned the power of networking and sponsorship. And so all that and part of the wisdom that I shared, and you touched on a little bit as we talked about this session, is really about owning your career. I learned a valuable lesson that I have to focus 100% on my career. Andi Simon: I do love that. And I've been using it. I've been sharing it. My grandkids, even my daughters, because we are all going through life's journey, and people put you in boxes, and they are pleased putting you in that box and thinking that's who you are. I coached a woman who got stuck and stalled in her career not long ago, and I said, you still need to take ownership of it. She said, what does that mean? I said, well, you assumed, like Sandra did, that if I work hard, I'll be noticed, and therefore, I'll get promoted. And you're upset that others you've trained have gotten promoted without any of your experience. It's a recurring theme, particularly for women, but not only for women. Now the question becomes, as you're thinking about that career, somehow you moved into an area that has become honorable in some ways, perhaps by design or by chance, in helping others understand the power of a diverse, equitable, inclusive, and belonging workplace. And I say those words to make them come alive. It's not denied; it's about a diverse, equitable, inclusive, and belonging place for people. It's not a program. It's a place where we love to come to work. Talk a lot to our audience about how one migrates there and then owns it, and then what do we learn from it? Can you share, please? Sandra Quince:  Yeah, absolutely. So, you're absolutely right. Diversity, equity and inclusion is not about a program. It's about creating the right ecosystem for your company and your employees to thrive. And the reason why companies should be engaged in diversity, equity and inclusion is because, number one, you will be more profitable. There are studies that have been around for 30-plus years that prove this point. Companies that engage in this work put the right resources behind it. It's not just lip service. They're 30% to 40% times more profitable. And why are they more profitable? Well, they're more profitable because they create the right ecosystem for their employees to show up and do their best work. So what does that mean? That means that your employees are in an environment where they can give their best and do their best work, which means that creates profitability for the company because they're interacting with them, with the customers and clients in a way that creates, that sells those products or creates that opportunity to engage more customers and more clients and creates opportunities for companies to have more market share. The other thing is, you have more companies and clients because they see that there are people that reflect who they are that they can do business with, and that promotes trust in a brand. And so the third and fourth thing is you're more innovative because you have different voices, different experiences, and different mindsets sitting at a table, and you create the products and services that help your organization thrive. And so that's the reason why companies should be doing it. Yes, it's the right thing to do. Yes, it creates the right opportunities for your employee base. But at the end of the day, I work for an organization that's there to be profitable, and I want that organization to be profitable because that's how I make money as an employee. So, creating an opportunity and engaging around diversity, equity, and inclusion are things you can't afford not to do. And so in this day and age, where, yes, there is a lot of backlash, yes, there there are those out there that are saying that diversity, equity, and inclusion is not what it doesn't do what it's supposed to do, meaning that they feel like it's reverse discrimination or it, it causes division. That has never been the intent, nor is it what real diversity, equity, and inclusion do for organizations. There's a study that came out recently, Andi, that asked thousands of employees and this was just released, I think late last month. They asked them, do you still want your organizations to engage in DNI? And so one would think that that answer would have been a resounding no, based on what you hear out and what you hear the rhetoric today. But 90% of employees said no, absolutely. It is critical to my organization's and my success. Andi Simon: There's additional research that I've been reading like you have, which says that people look for companies that have diversity in leadership. And it's not just that they want to belong. They want to know that it matters to the organization and that they can see pathways to progress and success. And they are consumers. They are no different than your clients or your customers. They're looking for a place where they see curiosity and things where I can belong, and I can share my ideas in a healthy way so that people hear me and I can be strong instead of in a box. I am interested in Paradigm 4 Parity. How did that develop? Because it's a particular approach, and it's amazing. The Bank of America has underwritten it. Please give us some perspective on what it is, how it works, and how people could benefit from it. Sandra Quince: Absolutely. Paradigm 4 Parity is an organization that was created, seven years ago, will be going into our eighth year this year. And it's an organization that was created by women for women. So, these were women who had achieved great things in their organizations. They were CEOs and they were on the back side of their careers. And what they realized when they turned around to look behind them wasn't no other women were coming behind them. There was one other woman in the pipeline, and more importantly, their daughters were entering into the workforce. They realized we have a problem, and we have got to find a way to solve it. So, unlike some of us who sometimes sit on the sidelines and talk about the issues, these women got together and said, we need to do something about this. And so they created Paradigm 4 Parity. Paradigm 4 Parity is dedicated to achieving gender parity at every level of leadership in corporate America with a lens on racial equity. And so these women said, not only do we need to create this organization and invite companies of various sizes to be a part of this coalition and a part of this change that we want to see, we're going to provide them with a roadmap or a five-point action plan, we like to call it, to help these organizations be able to navigate their way to success, to achieving gender parity. And so they did tons of interviews. They took subject matter experts, interviewed the women who had been successful in their careers, and boiled it down to five key actions that organizations need to take in order to see Parity. And what's beautiful about this is when organizations execute on this, you not only have gender parity, but it creates that ecosystem that I talked about earlier, where you're creating an environment where everyone, men, women of all ethnicities can show up and thrive in an environment that becomes equitable and fair for all. And so, yes, while we're dedicated to achieving gender parity, we've provided the blueprint and all the tools and resources to go along with that. We also understand that it's important that we bring everyone along in this journey. And so it creates an equitable environment for all. Andi Simon: You know, you're talking about a significant transformation of the corporate and social aspects because this isn't just inside the company. This is the whole mindset about how we see each other. Humans are quite fascinating because we're status creatures. It's me against my brother and my brother against my cousin. A little anthropology always helps us understand the perspective that we've evolved and survived by comparing ourselves. Gregory Batson has some significant research on the differences. The difference is only because we see the outside differently from us. We know who we are. But now, it becomes a much broader perspective beyond the tribe about the fact that I can be much more extensive and broader. With so many people going through college education and traveling and seeing different things, it's a time for personal and professional growth in our companies. Paradigm 4 Parity: is that something a company buys? Is it something they just understand? How do they get involved with it? Sandra Quince: Absolutely. So, I encourage everyone watching and/or listening to this podcast to go to Paradigm4rparity.org and check out our website. All companies have to decide that this is definitely where we are on this journey, and we want to see Parity within the workplace and workforce. And they can join us. And you will see that we have 150 plus other coalition members that are on this journey with us. Those that are doing great work and have achieved Parity at certain levels in their organizations and those just starting out who are saying, you know, we're new to this. We want to make an impact. And so we have all and everything in between from an organizational perspective. So, join us and take advantage of the five-point action plan, the tools and the resources that we offer, the webinars and seminars that we provide, connecting with others who are like-minded and on this journey with you, and understanding what those leading practices are that are out there that organizations are doing to achieve and sustain parity within their organizations. So it is quite simple, Andi, for people to join us. Andi Simon: How does it feel? I tell people that people decide with their eyes and their heart. And they need to find out what it is. You know, what is it until they see it and feel it and trust that it is, in fact, it's good? And that's how we'll decide to behave differently and act on it. It takes work to change. You're looking for people to change their mindset, their conversations, their microaggressions, the things they don't even know they're doing. And begin to see each other in a different light. Are there some illustrations you can share that aren't proprietary that will help people see it better than just hearing it from you? Sandra Quince: Absolutely. And what you're talking about and describing, especially around our human nature, is the nature around being biased. Unconscious bias. And I know people say they hear that all the time and they wonder, I don't have biases. But the truth is because we're human, we're born with biases. Biases are created every single day. It is not curable.  Andi Simon: It's not. I never thought of biases as being not curable. I like that. Go ahead. Sandra Quince: It's not curable. There's not anything you can take that can cure biases. There are things you can do to mitigate bias and think about when bias becomes dangerous. So think about it. You know, here's a simple illustration. I am a graduate of Florida State University. Me and my husband, we're staunch Seminole fans. And so if you went to the University of Miami, you are automatically the enemy to us, right? Because there is a bias there because we are rival teams. Automatic. There is a thought that pops in your head when that rival is mentioned. That is a bias. It just so happens, though, that particular bias is not necessarily dangerous, right? Because it is fun. It is a sport. But when bias becomes dangerous, you then take that same thought process and apply it to the workplace and don't hire someone because of the way that they look or where they might come from, or the gender, or who they love, or what ethnicity they are. So again, that's when biases become extremely dangerous. And so what we do at Paradigm 4 Parity is we help organizations understand how to mitigate that bias in those very dangerous moments. And those dangerous moments really show up in the employee lifecycle. And so we talk about mitigating bias in the moments that matter. So, the employee lifecycle starts with hiring. Then it moves to onboarding. Then it moves to developing. Then it moves to promoting. Then it moves to managing talent and then it moves to retention. So, these are all of the inflection points where decisions are made. About whether I'm going to be even hired into an organization. Now, how am I onboarded in that organization? Because that makes a difference. Because that is a jumping point for me in how well I perform. And then do I get opportunities to be developed in that organization, which then leads to promotion? And when we think about how we manage talent, so those talent management processes and thinking about pay, thinking about how you rate talent, all of those things become very subjective and biases creep into those processes. And so how do we mitigate those? And then last is retaining who we retain and why and who aren't we retaining and why? And so again, we talk a lot at Paradigm 4 Parity and help our organizations through some of the tools and resources, leading practices, sessions, programs, as well as our webinars and seminars around how are you mitigating this bias in those moments that matter and help organizations think about creating that or that ecosystem where their talent can thrive? Andi Simon: You know, some of this is challenging. So, as a listener or the viewer is reflecting on their own decisions and biases and, remember that musicians, they've tried to make gender-neutral, unbiased decisions about whether to put somebody into their orchestra by having them perform behind a screen so they don't know who they are. You just know what they're producing, what their outcomes are. And we've tried this in a program that I had at Washington University, and we try to have venture capitalists or funders understand who is presenting, not by their nature or who they were or their background, but what the value of the program was that they were looking for funding for. Very little money goes from VCs to women-owned businesses for a reason. It's a woman, much less a woman who's a minority or a person of color. And so it becomes essential for us to get neutralized in some fashion, either by creating an illusion or actually thinking about why I'm deciding this, making it intentional, as opposed to simply an old habit where an old bias creeps in and says, well, I saw that before. Or someone I knew way back when, or they didn't produce well. You'll be amazed how much baggage you carry and how noise in your brain influences your decisions. And you're not free-wheeling it here. You're habit-driven and trying to come up with a better solution. One staff person in the staffing industry said it provides a more diverse pool for the HR folks to evaluate. But, when he provides them, those selecting the candidates don't select them in a neutral environment. As he says, I can send them the right mix, but they just go back to finding people who look like them. That is not good for building better organizations. That's not even good for hiring somebody. This business has evolved. Are you seeing one or two trends being done that are helpful and hopeful? Sandra Quince: You're absolutely right. Let me circle back on the bias piece that you talked about. Because when you think about mitigating those biases in those moments, like you say, creating those illusion of opportunities where you could do blind resumes, you're absolutely right. Because there are things on resumes you don't have to have. What you really need to understand is their credentials. What makes them qualified for it? But then I think also mitigating the bias in those moments that matter can come, like you said, by asking yourself some simple questions. Yes, you think of it like a muscle. You have to constantly work it, or it will revert back to what it was before. So let me say that we're in a very interesting time, Andi, certainly when we think about what's helpful and hopeful. So what's helpful right now? We're in this time where really many companies, especially those that are part of Paradigm for Parity and our coalition, they're doubling down. They're doubling down and they are staying true to who they are as an organization, their mission, their vision and their values. They're doubling down and continuing the good work of creating an equitable, fair workplace for all. And I think what these companies are doing is they're also looking at their language to be sure their language aligns with the outcomes they want to achieve, and making sure that inclusion is at the forefront of everything that they do, which inclusion should be the leading factor. It's inclusion for all. It's also diversity, equity and inclusion for all. And so leading with that is many organizations are taking a step and leading with that inclusion piece and ensuring that if I have programs that are specific for certain people, why do we have these programs? So processes are put in place. And I don't think there's anything wrong with questioning your why. So you can go back and create the right data sets and analytics to help explain why you're on the path you're on, and reconfirming for yourself that this is really the right thing to do. So, for me, that is helpful. And for organizations to go through that exercise and ensure that whatever they're doing, that it matters and that it's creating the right environment that they want to see for their organization. And then putting the data and the analytics behind it. So what's hopeful right? What's hopeful is that 90% that I talked about earlier, Andi, the majority of people want to see a more equitable workplace and they want to see it for everyone. And that is hopeful for me, and especially those that are in the workforce today and those that are entering into the workforce really understanding and working for those organizations. They do their homework and their research, and they will not work for organizations that they can't see themselves there. Andi Simon:  And they know that hope comes from being in a place with a curious, broad perspective because if not, they will be in a box. McKinsey, in February 2023, had their "Women in the Workforce: 2022," in which they spoke about the great breakup. The women were leaving the corporate because they didn't see any hope for advancement. And there was no effort to give them new growth opportunities or even to demonstrate that the work they did mattered. This is a time where women have a choice, and men do as well. I am looking at Gen Zs and wondering and worrying about our guys because women are getting rallied around and the men don't quite know what to rally around. And without belonging to something, they feel a little lost. And it's worrisome. And our kids will look at the adults and wonder about what they will be. So this is a transformative time, Sandra. This has been wonderful. One or two things you want our listeners and viewers to remember, because your conversation has absolutely transfixed me. I'm enjoying every moment. But we do have to end. What would you like them not to forget? Sandra Quince: I don't want them to forget that biases are not curable. And I think as individuals, we need to ensure that we're mitigating our bias. And always ask yourself and be curious who's missing and why? Think about that on your teams when you show up to work. Are you an upstander? When you see something, do you say something? Do you challenge the status quo when you feel like something isn't right? And what solutions are you bringing to the table, and how are you supporting your organization to be better? And I want organizations to understand that there is a lot of work for you to do to ensure you're creating the right ecosystem. How are you engaging and supporting your managers and your people leaders because they lead the majority of your population and they make or break your culture?  Andi Simon: This has been a marvelous half hour. I can keep going. I'm thinking about ways to bring this out to my clients to help them see, feel, and think better because they're looking for it. They're reaching that point where I have one client who finally made three women partners in their firm, and it was with I mean, I've been working with them for six years. It was with great effort and, and it is an interesting time to watch people go through slow transformation. What is that expression, a little a little and off the cliff they go. And I think we're reaching that end where a little was good, but a lot would be greater. Sandra Quince: Absolutely. Andi Simon: For my listeners, I want you to remember one thing, that the words you choose create the world to live in. And Sandra has been saying that in many different ways today. Bias, thinking about whether it's diversity, equity, inclusion, or belonging, those are words, and we live with behaviors. But the words we use create the worlds we live in. So think carefully about what you're thinking and saying what you're hearing because what is said is only sometimes what you hear. And what you hear often is what you think, but not necessarily what was meant. So the complexity of this should not be underestimated. But the opportunity, particularly with Paradigm 4 Parity and its five-step process, is ready for you. So if they want to reach you, Sandra, how can they do that? Sandra Quince: So they can reach me on LinkedIn at Sandra Quince. They can go on our website paradigmforparity.org. We would love to have you peruse our site. And, of course there are all kinds of ways to reach our organization once you join our site. Andi Simon: It's been a pleasure, a privilege, and thank you so much for joining us today. For my listeners and my viewers, we had fun. It's so much fun to explore something, listen to see, feel, and think in new ways, and see how you can change. I'll plug in because Women Mean Business is full of beautiful wisdom that will spark your success. As Sandra was sharing those, I've been repeating that as you rise, lift others with you. It's intentional, and I've worked with women who are CEOs, and they don't have any process for moving others up. They have yet to notice they're building the business but haven't noticed what that means for all others inside. So this is a time to get intentional about it. As you rise, lift others, and you'll find Women Mean Business at womenmeanbusinessbook.com. Amazon would love for you to go and buy it there. So thanks, Sandra. I'm going to say goodbye to everybody. Thanks again for joining us. It's been great. Have a wonderful day. Remember to take your observations and turn them into innovations. Be a little anthropologist. You may enjoy it. Bye-bye now. WOMEN MEAN BUSINESS® is a registered trademark of the National Association of Women Business Owners® (NAWBO)

Interested in a piece of a $400 billion pie from which Tesla once took a $465MM bite?  Chris Creed, Chief Investment Officer of the Department of Energy's Loan Program's Office spoke to me about how his piece of the pie is made available to innovators or scalers in renewable energy and energy infrastructure.  He discussed … Read More Read More

A South Carolina nonprofit is launching a new program to help with student loan repayment.

Around three million Australians have a government loan through HELP, the Higher Education Loan Program. You too may be eligible to defer your tertiary tuition fees until you secure a job. - ဩစတေးလျနိုင်ငံသား သုံးသန်းခန့်သည် အဆင့်မြင့်ပညာရေး ချေးငွေအစီအစဉ် HELP မှ အစိုးရချေးငွေ ရရှိထားသည်။ သင်လည်း အလုပ်တစ်ခုရမချင်း သင့်အထက်တန်းကျူရှင်ခကို ရွှေ့ဆိုင်းရန် ရွေးချယ်နိုင်ပါသည်။

Around three million Australians have a government loan through HELP, the Higher Education Loan Program. You too may be eligible to defer your tertiary tuition fees until you secure a job. - ሶስት ሚሊየን ያህል አውስትራሊያውያን በከፍተኛ ትምህርት ብድር ፕሮግራም በኩል ከመንግሥት ተበድረዋል። ምናልባትም እርስዎም ሥራ እስከሚያገኙ ድረስ የዩኒቨርሲቲ ትምህርት ክፍያዎን ለማሸጋገር ብቁ ይሆኑ ይሆናል።

Around three million Australians have a government loan through HELP, the Higher Education Loan Program. You too may be eligible to defer your tertiary tuition fees until you secure a job. - करिब ३० लाख अस्ट्रेलियनहरूले उच्च शिक्षा ऋण कार्यक्रम अर्थात् 'हेल्प' योजना मार्फत सरकारी ऋण पाएका छन्। यदि तपाईँ उच्च शिक्षा लिने सोच्दै हुनुहुन्छ भने, तपाईँले पनि जागिर नपाउँदासम्म पढाइको शुल्क नतिर्नको लागि योग्य हुन सक्नुहुन्छ।

Around three million Australians have a government loan through HELP, the Higher Education Loan Program. You too may be eligible to defer your tertiary tuition fees until you secure a job. - 大约三百万名澳大利亚人通过高等教育贷款计划（HELP 计划）获得政府贷款。 如果您正在就读高等教育，您也可能有资格推迟支付课程的费用，直到找到工作。

Kuɛɛr binke kuɔny yok të kor yin ba kuɛn agut ci ba luöi yok.

Around three million Australians have a government loan through HELP, the Higher Education Loan Program. You too may be eligible to defer your tertiary tuition fees until you secure a job. - حدود سه میلیون استرالیایی از طریق HELP، برنامه وام آموزش عالی استرالیا، وام دولتی دریافت می‌کنند. شما هم ممکن است تا زمانی که شغل خود را پیدا کنید، واجد شرایط به تعویق انداختن پرداخت شهریه دوره سوم خود باشید.

Around three million Australians have a government loan through HELP, the Higher Education Loan Program. You too may be eligible to defer your tertiary tuition fees until you secure a job. - Khoảng ba triệu người Úc đang vay tiền chính phủ thông qua Chương trình cho vay giáo dục đại học hay còn gọi lại chương trình HELP.

Around three million Australians have a government loan through HELP, the Higher Education Loan Program. You too may be eligible to defer your tertiary tuition fees until you secure a job. - يحصل حوالي ثلاثة ملايين مواطن أسترالي على قرض حكومي من خلال برنامج HELP، وهو برنامج قروض التعليم العالي، قد تكون مؤهلاً أنت أيضًا لتأجيل سداد رسوم التعليم العالي حتى تتمكن من الحصول على وظيفة.

Around three million Australians have a government loan through HELP, the Higher Education Loan Program. You too may be eligible to defer your tertiary tuition fees until you secure a job. - Nêzîkî sê mîlyon Austral bi rêya HELP, Bernameya Deynê Xwendina Bilind, deynekî hukumetê hene. Dibe ku mafê we jî hebe heya ku hûn karekî xwe yê bi ewle nebînin, peredana xwendina xwe ya bilind paşve bixin.

Around three million Australians have a government loan through HELP, the Higher Education Loan Program. You too may be eligible to defer your tertiary tuition fees until you secure a job.

Around three million Australians have a government loan through HELP, the Higher Education Loan Program. You too may be eligible to defer your tertiary tuition fees until you secure a job. - #AustraliaExplained. Близько трьох мільйонів австралійців мають державну позику через HELP - Програму позик на здобуття вищої освіти. Ви також можете мати право відстрочити плату за навчання у вищому навчальному закладі до того часу, доки не знайдете роботу...

In this insightful content, we break down the pivotal decision-making process between SBA and Conventional Loans. Uncover the advantages and considerations of each option, shining a spotlight on the Small Business Administration's impactful support for small businesses through initiatives like the 7(a) Loan Program. Dive deep into the pros and cons of both loan types, with a focus on key factors such as interest rates, repayment terms, and eligibility criteria. Gain valuable insights into navigating the complex landscape of business loans to make informed decisions for your entrepreneurial journey. Excitingly, we're thrilled to introduce a strategic partnership with Lumos for franchise financing! Aspiring franchise owners can now access predictive models and invaluable insights to pave the way for their success. This episode was based on an exclusive Vetted Biz analysis, click here for the full report: https://www.vettedbiz.com/sba-vs-conventional-loan/   Secure Your Franchise Funding Today: https://2c2i0ujnjcc.typeform.com/to/CRh33AmF?typeform-source #SBALoanVsConventionalLoan #FranchiseFindings If you are looking for more information, you can connect with us through our networks:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.vettedbiz.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/vettedbiz/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/vettedbiz⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 

Feeling frustrated with your real estate investments? Don't worry; you're not alone! Discover hope and profitable ventures with the FHA 203K loan program. Introducing Matt Porcaro, a resilient entrepreneur and real estate beacon. From overcoming hardships to conquering New York's real estate, he knows the value of stability. Using the FHA 203K loan, he transformed a duplex with just $9,500. Now, he's helping others succeed with FHA investment strategies. In this episode, Matt Porcaro shares the benefits and opportunities of the FHA 203K loan program in real estate investing. Gain practical advice and tips for success from his expertise. Don't miss his valuable insights on understanding the tax code, the value of the first deal, and the perks of government-backed loans. Debunking misconceptions and misinformation, Matt emphasizes working with experienced lenders and contractors. Avoid overpaying for properties and focus on comparable sales for ultimate success. Don't let frustration hold you back. Tune in to this must-listen episode and unleash your real estate potential with the FHA 203K loan program!   What You'll Learn: What potential does real estate investing hold with the FHA 203K loan program? What benefits and innovative strategies can be found in house hacking? How can government-backed loan programs be harnessed for successful real estate investing? Why is education and networking significant in building a thriving real estate career? And so much more!   Timestamp: 00:01:15 - Real Estate Challenges in New York 00:08:05 - Discovering the FHA 203K Loan 00:09:41 - House Hacking with the FHA 203K Loan 00:11:46 - Financing the Property with Future Rental Income 00:12:48 - Building Equity and Cash Flow, 00:13:39 - Setting Realistic Expectations in Real Estate Investing 00:17:26 - The Benefits of House Hacking 00:20:31 - Leveraging Owner-Occupant Loans for High Returns 00:24:13 - Loopholes and Tax Codes 00:25:14 - Importance of the First Deal 00:26:47 - VA Renovation Loan 00:29:33 - Paperwork and Contractors 00:33:24 - Government Guidelines and Bank Overlays 00:36:52 - The Importance of Working with a Knowledgeable Lender and Trustworthy Contractors 00:39:31 - The Role of a 203K Consultant in Creating a Scope of Work 00:41:14 - Obtaining Multiple Bids and Comparing Them 00:42:16 - Focus on Comparable Sales Rather Than Asking Price 00:46:41 - Taking Advantage of the VA Loan and 203K Loan Opportunities 00:49:24 - The Birth of "The 203K Way" 00:50:09 - Providing the Right Information 00:50:38 - Connecting with the Community 00:50:48 - TikTok Fame and Content Quality   Favorite Quote: "Take advantage of the thing that's out there. It's there for the taking". - Matt Porcaro   How to Connect:   If you're inspired by Matt Porcaro's real estate journey and want to learn more about his insights, there are several ways to connect with him.   Join Matt's Facebook Group at https://www.facebook.com/groups/the203kway if you're looking to get your FIRST real estate deal using a secret strategy that combines the Live-in Flip, House hacking, and BRRRR methods, all-in-one.   Watch his videos at https://youtube.com/@mattporcaro-the203kway5/ to learn more about leveraging “The 203k Way”!   , and Visit Matt Porcaro's Instagram page (https://www.instagram.com/203kwayonline) to follow him for more real estate investing tips and advice.   -------------------------------------------------------------------------------------   Real Estate Investing Course: https://military-millionaire-academy.teachable.com/p/from-zero-to-one-real-estate-investing-101/ - Finding Off-Market Deals Course: https://military-millionaire-academy.teachable.com/p/how-to-find-off-market-real-estate-deals- Recommended books and tools: https://kit.co/MilitaryMillionaire - SUBSCRIBE: https://bit.ly/2Q3EvfE - Website: https://www.frommilitarytomillionaire.com/start-here/ Instagram: https://www.instagram.com/frommilitarytomillionaire/ Facebook: https://www.facebook.com/groups/militarymillionaire/ - My name is David Pere, I am an active-duty Marine, and have realized that service members and the working class use the phrase "I don't get paid enough" entirely too often. The reality is that most often our financial situation is self-inflicted. After having success with real estate investing, I started From Military to Millionaire to teach personal finance and real estate investing to service members and the working class. As a result, I have helped many of my readers increase their savings gap, and increase their chances of achieving financial freedom! - Click here to SUBSCRIBE: https://bit.ly/2Q3EvfE  to the channel for more awesome videos!   THIS SITE IS INDEPENDENTLY OWNED AND OPERATED. ALL OPINIONS EXPRESSED HEREIN ARE MY OWN. THE VIEWS EXPRESSED ON THIS SITE ARE THOSE OF THE AUTHOR OR THE AUTHOR'S INVITED GUEST POSTERS, AND MAY NOT REFLECT THE VIEWS OF THE US GOVERNMENT, THE DEPARTMENT OF DEFENSE, OR THE UNITED STATES MARINE CORPS.

Steve Forbes decries the modern U.S. student loan program which has only led to massive debts and sometimes unnecessary education—and explains what parents, students, and schools should do to reverse course.Steve Forbes shares his What's Ahead Spotlights each Tuesday, Thursday and Friday.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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