Podcasts about loans

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!

In this episode of the Real Estate Pros podcast, host Michelle Kesil interviews Steven Loewer, a private lender and multifamily investor. They discuss Steven's journey into real estate, the importance of community in business growth, and the advantages of multifamily investing over single-family homes. Steven shares insights on creative financing solutions, challenges in the lending industry, and valuable lessons learned throughout his career. The conversation emphasizes the significance of problem-solving and adaptability in real estate investing.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this episode of LoanOfficerPodcast.com, the host Chris Johnstone sits down with top producing loan officer Brendon Murphy to break down what it really takes to build a referral-driven mortgage business that lasts through every market cycle.   Brendon shares his personal journey from struggling early on to becoming a trusted lender for high-performing real estate agents, and explains the exact mindset, habits, and relationship strategies that helped him grow a stable, referral-first business without relying on paid leads.   What you will learn in this episode:   How to position yourself with real estate agents so referrals become consistent and long-term How to turn refinance opportunities into stronger purchase relationships instead of short-term volume Simple systems and communication habits that top loan officers use to stand out with agents and clients   If you are a loan officer looking to grow with referrals, protect your pipeline, and prepare for what is coming next in the market, this episode is a must-listen.   Listen to the full episode now, and be sure to subscribe to LoanOfficerPodcast.com so you never miss conversations designed to help loan officers grow smarter, stronger, and more sustainably.

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/

Most loan officers think the answer is more leads, more spend, more marketing, and more chaos. The money isn't in the leads you're chasing. It's in the leads you already gave up on. In this video, I'm breaking down:-How to properly classify a lead instead of lumping everyone into "dead"-How top producers create massive volume from old leads -How to turn one lead into repeat business day after day, month after month, and year after yearIf you're a loan officer sitting on a database full of people you "followed up with once" this is where your next deals are coming from. It's time for you to finally stop burning money on new leads. Support the showJoin our weekly calls so you we can help you too!

Featured on WGN Radio's “Home Sweet Home Chicago” on Dec. 20, 2025: Frank Wasilewski, VP of Sales at Access Elevators joins the show to inform listeners on how to avoid predatory sellers of stairlifts and bathrooms. To learn more about what Access Elevator can do for you, go to allaboutaccess.com or call 630-616-6249.

We started this week's show by chatting with IRS tax attorney Steven Leahy of Opem Tax Advocates about best practices for independent contractors. Then, Frank Wasilewski, VP of Sales at Access Elevator joins the show to teach listeners on how to avoid scams. David welcomes Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits, for the first time […]

Pat Hynes, candidate for Cook County Assessor, joins “Home Sweet Home Chicago” to answer questions from David Hochberg and give responses to comments his opponent Fritz Kaegi gave on “The Lisa Dent Show.” You can learn more about his campaign at www.assessorhynes.com

Featured on WGN Radio's “Home Sweet Home Chicago” on Dec. 20, 2025: Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits, joins David Hochberg to discuss a year-end financial checklist including maximizing your retirement or HAS contribution while looking ahead to the New Year. Tim also discusses estate planning, health insurance plans, and […]

Featured on WGN Radio's “Home Sweet Home Chicago” on Dec. 20, 2025: IRS tax attorney Steven A. Leahy of the Law Office of Steven A. Leahy, PC, with Opem Tax Advocates, joins the program to talk about independent contractors and best practices and is also promoting his new book 1099 Reporting: A Professional Guide and […]

ByteDance signs a deal for a TikTok U.S. joint venture, The second Russia–Africa Partnership Ministerial Conference kicks off in Egypt, The EU agrees on a €90 billion loan to Ukraine, While the EU delays a Mercosur trade deal signing amid farmer protests, Australia launches a gun buyback after the Bondi Beach attack, Pharma companies agree to cut U.S. drug prices in a Trump administration deal, The suspect in the Brown University mass shooting and MIT professor murder is found dead, Trump Media merges with TAE in $6 billion fusion energy deal, Facebook tests limiting external links for non-verified accounts and U.K. actors vote overwhelmingly against digital scanning to train AI. Sources: Verity.News

- Thành lập Hội đồng điều hành Trung tâm tài chính quốc tế tại TPHCM và Đà Nẵng- Khai mạc Festival “Thái Nguyên - Hương sắc danh trà”, đánh dấu bước khởi đầu quan trọng trong quá trình chuẩn bị hồ sơ “Văn hóa Trà Việt” trình UNESCO ghi danh vào Danh sách Thực hành tốt về bảo vệ di sản văn hóa phi vật thể- Bộ Giáo dục và Đào tạo dự kiến cấm dùng từ 'quốc tế' hay 'quốc gia' khi đặt tên trường đại học- Tấn công bằng dao và bom khói ở ga tàu Đài Loan khiến ít nhất 3 người chết và 5 người bị thương- Mỹ và Ucraina khởi động vòng hòa đàm mới. Trong khi Tổng thống Putin tuyên bố, Nga mong muốn chấm dứt cuộc xung đột với Ukraine thông qua các biện pháp hòa bình- Campuchia và Lào đẩy mạnh triển khai thanh toán không tiền mặt xuyên biên giới

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

European Union leaders have agreed to loan Ukraine $100bn to cover the cost of its military and public services, but they failed to reach on a deal on using frozen Russian assets.They instead opted to secure the oan against EU borrowing rather than Russian assets. What signal does that send to Moscow?Also in the programme: We'll hear from the Ukrainian widows cut off from compensation because their soldier husbands took their own lives; excitement builds in Morocco as it prepares to host Africa's biggest football tournament; why the boxing influencer Jake Paul may be risking more than his reputation in tonight's big fight.(Photo shows Danish prime minister Mette Frederiksen, European Council president Antonio Costa, and European Commission president Ursula von der Leyen at the EU Council Summit in Brussels, Belgium on 19 December 2025. Credit: Olivier Hoslet/EPA)

⬜ Welcome to Palvatar Market Recap, your go-to daily briefing on the latest market movements, global macro shifts, and crypto trends—powered by Raoul Pal's AI avatar, Palvatar. ⬜ In today's update, Palvatar highlights the Bank of Japan's 25-basis-point rate hike, pushing yields to 26-year highs, while European markets react to hawkish central bank signals and a €90 billion EU loan to support Ukraine. In crypto, Bitcoin swung between $84,500 and $90K following softer U.S. inflation data. The U.S. Senate confirmed crypto-friendly nominees, and SoFi launched a dollar-pegged stablecoin, signaling continued innovation in digital finance.

European Union leaders reached a deal to loan Ukraine €90bn ($106bn) for the next two years, after marathon talks in Brussels. Hosted on Acast. See acast.com/privacy for more information.

Your daily news in under three minutes. At Al Jazeera Podcasts, we want to hear from you, our listeners. So, please head to https://www.aljazeera.com/survey and tell us your thoughts about this show and other Al Jazeera podcasts. It only takes a few minutes! Connect with us: @AJEPodcasts on X, Instagram, Facebook, and YouTube

Key Takeaways: Buy Borrow Die: A strategy where people buy assets, borrow money using those assets as collateral, and then pass the assets to their heirs. Because of how taxes work, this can make their tax bill much smaller. Strategic Borrowing: Instead of selling assets and paying taxes on the gains, investors borrow against them. This helps them grow their wealth while keeping taxes low, and it also helps keep money flowing in the economy. Government Benefits: When people borrow more, it increases overall debt in the financial system, which is one way the government keeps money moving and funds different programs. Disciplined Planning: To use this strategy safely and legally, people need expert guidance and careful financial planning. This helps them avoid mistakes and get the most value from the strategy. Clear Understanding: Learning how taxes and the economy work helps people see that Buy Borrow Die isn't cheating. It's a legal and commonly used financial tool for managing wealth over a lifetime. Chapters: Timestamp Summary   0:00 Exploring the Buy Borrow Die Strategy for Tax Efficiency 2:01 Building Wealth Through Real Estate and Strategic Borrowing 3:09 Using Debt as a Tool for Wealth Expansion 4:55 Leveraging Real Estate and Alternative Investments for Wealth Growth 5:54 The Importance of Debt in Government Financing 7:43 Strategic Financial Planning with Discipline and Team Support 9:14 Tax Savings Tips and Investment Advice for Year-End Planning   Powered by ReiffMartin CPA and Stone Hill Wealth Management   Social Media Handles    Follow Phillip Washington, Jr. on Instagram (@askphillip)   Subscribe to Wealth Building Made Simple newsletter https://www.wealthbuildingmadesimple.us/   Ready to turn your investing dreams into reality? Our "Wealth Building Made Simple" premium newsletter is your secret weapon. We break down investing in a way that's easy to understand, even if you're just starting out. Learn the tricks the wealthy use, discover exciting opportunities, and start building the future YOU want. Sign up now, and let's make those dreams happen!   WBMS Premium Subscription   Phillip Washington, Jr. is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Why Smart Real Estate Investors Start with Short-Term Loans (and End with Long-Term Cash Flowing Properties) In this episode of the Real Estate Reserve Podcast, we break down one of the most effective wealth-building strategies in real estate investing: using short-term financing to acquire properties and exiting into long-term, cash-flowing debt. We explore the three primary exit strategies every real estate investor should understand—selling, paying off a property in cash, or refinancing into permanent debt—and why refinancing into long-term institutional financing is often the smartest path for building sustainable rental portfolios. You'll learn how investors use hard money loans, private money, and bridge financing to buy and renovate properties, then refinance into DSCR (Debt Service Coverage Ratio) loans that allow properties to cash flow without relying on personal income verification. We walk through how DSCR loans work, common credit and LTV requirements, seasoning timelines, and why rental income analysis is critical to success. This episode also covers: The BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat) How DSCR ratios impact loan approval and cash flow Common pitfalls like appraisal shortfalls and rental income miscalculations Refinancing timelines and when to apply for permanent debt Backup plans if a refinance doesn't go as expected A real-world cost breakdown of short-term vs. long-term financing Why having a clear exit strategy upfront is essential Whether you're a new investor exploring rental properties or a seasoned investor looking to scale with smart leverage, this episode provides practical insights into structuring deals that transition from short-term capital to long-term wealth.

Tony Connelly, Europe Editor, reports on the latest at today's EU council summit focused on releasing frozen Russian assets to support Ukraine.

Professor Andrew Cottey, Department of Government and Politics at University College Cork

In this episode of LoanOfficerPodcast.com Chris Johnstone the creator of LoanOfficerCRM.ai breaks down the real fundamentals behind building a mortgage business that can consistently close 10 or more loans per month and why artificial intelligence is about to reshape the industry faster than most loan officers realize.   This episode is a direct, practical conversation for loan officers who want to protect their market share, grow referrals, and position themselves to win as AI driven search and automation become the new normal   What You Will Learn in This Episode   The four core pillars that top producing loan officers use to generate consistent volume from their database, referral partners, and deals already in process How AI is already influencing borrower behavior, referrals, and mortgage searches and why ignoring it puts your business at risk Practical ways to use AI tools, automation, and authority building to increase referrals, improve the client experience, and attract new business   Tune in now and make sure to subscribe to LoanOfficerPodcast.com so you never miss an episode focused on growth, strategy, and the future of the mortgage business.

Listen to the December 19th, 2025, daily headline round-up and find all the top news that you need to know.

CHINA'S SURREPTITIOUS SUPPORT KEEPS THE MADURO REGIME AFLOAT Colleague Professor Evan Ellis. China sustains the Maduro regime through loans, surveillance technology, and military equipment while bypassing sanctions to import Venezuelan oil. The state oil company, PDVSA, collapsed due to the purging of technical experts and lack of investment, forcing Venezuela to rely on Iranian engineers to maintain minimal production. NUMBER 5 1902 CARACAS

In this episode you will hear: (01:58) In The News, Part 2 of 3 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" and then a listener, Sean Elliott sends in a message in support of Early Decision and Carter shares his perspective on Sean's perspective. (25:18) Matt Carpenter interview, Part 2 of 3 ² Matt gives examples of colleges who almost never lead with their best offer ² Matt and I discuss now hard the job of a financial aid officer is ² Matt calls for greater transparency ² Matt and Mark discuss the kinds of colleges that are notorious for giving poor aid awards and gapping students ² Matt and I transition to discussing the different types of appeals and we will pretty much stay on the appeals topic until the end of part 3 of the interview ² We discuss why the high tuition, high tuition discount model is so popular ² Matt and I discuss the need-based appeal, and Matt tells us what the starting point is for him for the need-based appeal (50:28) Interview: Mark interviews Kev Sanders, Associate Director of Admissions, University of Utah Preview o Kev Sanders shares his interesting background, explaining he got into the field of admissions o Kev answers the question, If he was in an Uber Drive in Loudoin county Virgina, what would he say someone asked him, "Help me understand the University of Utah o Kev tells us what U Online is o Kev explains why the University of Utah is growing so fast and he shares the states where they are experiencing the largest increase of applications o Kev lets us know which programs at Utah attract the most students o Kev explains to use what WUE is? o Kev explains how there is a potential for students coming from a WUE state to get in state residence, and he tells listeners what they need to do to get in-state tuition . 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/

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---

Episode: 2547 Changing views on charging interest throughout history.  Today, interest.

AP correspondent Karen Chammas reports on a meeting of European Union leaders as they decide on a loan for Ukraine using frozen Russian assets.

Lawsuits and subsequent internal audits have put the SBA's highly successful Section 8(a) loan program in jeopardy. The program helps small businesses owned by economically disadvantaged U.S. citizens gain access to federal contracts and training. Gene Marks also talks about the rise in occurrence – now 33% – of jobs that small businesses can't find qualified applicants to fill. Plus, he points to the pros and cons of the administration's executive order on AI.  Additional Resources Meet Paychex: https://bit.ly/3VtM6bs Top Regulatory Issues webinar: https://bit.ly/2026-top-regs-webinar AI-assisted recruiting: https://bit.ly/ai-assisted-recruiting Alternative funding sources: https://bit.ly/alternative-funding 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.

Vice President of Lending for Team Hochberg at Homeside Financial and host of WGN's “Home Sweet Home Chicago” David Hochberg joins Bob Sirott to talk about the reasons homebuying is surging locally and if he thinks interest rates will be lowered in the new year. He hosts “Home Sweet Home Chicago” on Saturdays from 10am […]

An interesting mix of convos on "Florida Matters Live & Local." We roam from free rides and student loan changes to safety tips and a local queen hitting the national stage.Call: 813-755-6562Message: FloridaMatters@wusf.orgWebsite: https://www.wusf.orgSign up for our daily newsletter: https://www.wusf.org/wakeupcall-newsletterFollow us on social media:Facebook: https://www.facebook.com/WUSFInstagram: https://www.instagram.com/wusfpublicmedia/YouTube: https://www.youtube.com/channel/UCsN1ZItTKcJ4AGsBIni35gg

An interesting mix of convos on "Florida Matters Live & Local." We roam from free rides and student loan changes to safety tips and a local queen hitting the national stage.Call: 813-755-6562Message: FloridaMatters@wusf.orgWebsite: https://www.wusf.orgSign up for our daily newsletter: https://www.wusf.org/wakeupcall-newsletterFollow us on social media:Facebook: https://www.facebook.com/WUSFInstagram: https://www.instagram.com/wusfpublicmedia/YouTube: https://www.youtube.com/channel/UCsN1ZItTKcJ4AGsBIni35gg

DSCR loans in 2026 may be the difference between growing your real estate portfolio and getting capped out by local banks. In this episode, Ryan breaks down how DSCR (debt service coverage ratio) loans let investors keep buying cash-flowing properties without blowing up their personal DTI, even as the market cools and lending tightens.​You'll hear a clear refresher on what DSCR loans are, why they're designed for investment properties and short‑term rentals, and the DSCR ratios you should aim for so you're not stuck with a deal that doesn't cash flow when hard money comes due. Ryan also talks about overestimating rents, the importance of your all‑in number, and why a DSCR below 1 is a red flag you should walk away from.​He shares real-time observations from the Phoenix market—longer days on market, repeated price reductions, and institutional landlords cutting rents on single‑family rentals—and what could happen if hedge funds start unloading properties in 2026. You'll also hear why tech and AI will be a key edge for investors who want to analyze deals and markets faster.​If you're serious about using DSCR loans to scale your investing in 2026, this conversation will help you think more clearly about financing, risk, and opportunity.If you enjoyed the episode, follow the show, rate it, and share your biggest DSCR or bank‑denial story with us—your experience might help another investor.​

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

Here is the truth behind the viral scam using your favorite star to target your wallet. Learn more about your ad choices. Visit megaphone.fm/adchoices

For the first time ever, the government is putting a warning label on college—so what happens when students start seeing which degrees (and classes) may actually cost them more than they're worth? Learn more about your ad choices. Visit megaphone.fm/adchoices

Guest: Alexa Loo, Richmond City councillor Learn more about your ad choices. Visit megaphone.fm/adchoices

Find out the EXACT day you'll hit Million Dollar Run Rate: https://bit.ly/p-million-dollar-day-calculator Two years ago, Lily was sitting in a lawyer's office, her business partner had just pulled out, the lease was signed, the money was gone, and she was staring down the barrel of a $70k loan with a newborn on her hip. Most people would've walked away. She didn't. Instead, she backed herself, rallied a village, rebuilt her identity through movement, and turned Limber into one of the most heart-driven, community-led studios in the country. In this episode, Lily opens up about the grit, the healing, the systems, the breakthroughs, and the brutal self-belief it took to go from teaching 10 hours a day and crying in breathwork sessions… to doubling her studio in six months and building a team that actually runs the business with her. Here's what we're covering: How Limber was born from rock bottom, identity loss, and a mountain of debt Why Lily refused to quit, even when everyone told her she should The wild early days: teaching 13 surf-club classes, Pilates in pubs & lugging rollers around town The moment she realised having “no systems” was costing her thousands How hiring a salesperson changed everything (and why she should've done it sooner) The retention system that saved 110k+ a year in churn Why contractors are killing your culture - and how she's building a real “dream team” instead Her breakthrough moment inside Academy that stopped her from quitting How she doubled revenue & members in six months without burning out The bold mission behind Limber - and how she's turning her healing into her life's work … and the studio-number-two vision that will blow your mind Don't forget to like, subscribe, and comment below with your biggest takeaway. We read them all. Want to SCALE your business and generate more LEADS? Go Here: https://bit.ly/4kZSlya Want to LEARN proven systems to grow your business without burnout? Go here: https://bit.ly/44XoX5w Connect with us: My website: ⁠https://thegeronimoacademy.com ⁠ IG Geronimo: ⁠https://www.instagram.com/thegeronimoacademy⁠ IG Hey.Doza: ⁠https://www.instagram.com/hey.doza⁠ LinkedIn: ⁠https://au.linkedin.com/in/andrewhandosa⁠ Chapters: ⏳ [00:00] Rock Bottom: The $70k Loan, a Newborn & a Studio With No Money ⏳ [06:30] Pilates in a Pub?! How Limber Built a Community Before a Studio ⏳ [12:00] Losing Her Identity — And How Movement Became Her Medicine ⏳ [18:00] From 10-Hour Teaching Days to Actual Systems (Finally) ⏳ [22:45] Hiring Sales, Nurturers & Building a Team That Cares ⏳ [27:00] Contractors vs Employees: Why Lily Is Done With the Old Model ⏳ [33:00] The Leadership Breakthrough That Nearly Made Her Quit ⏳ [36:00] Doubling the Business in 6 Months: What Actually Moved the Needle ⏳ [42:00] Mission, Content & Showing Her Face (Even When It Felt Terrifying) ⏳ [47:00] Studio #2, “The Circle” & the Global Limber Vision

PJ talks to Dara who faces losing his home to liquidate the equity release loan his mother took out. Hosted on Acast. See acast.com/privacy for more information.

PJ hears from a man facing homelessness because of a lifetime loan, talks to a nurse who ran to danger in our dark COVID-19 days but may be abandoned now she has Long Covid, learns you can take a course to bake goodies for your dog. And more... Hosted on Acast. See acast.com/privacy for more information.

My late son's girlfriend has taken over his house; insists he used it as collateral for a loan from her friend days before his death. - Mother complains

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" and then a listener, Sean Elliott sends in a message in support of Early Decision and Carter shares his perspective on Sean's perspective. New Interview-Evan Mandery-How America's Elite Colleges Breed High-Status Careers—and Misery Preview of Part 3 of 3 ² Evan and Mark spend almost the entire segment debating whether you need to go to an elite college to have limitless career opportunities, he says some things Mark totally agrees with, and others Mark pushes back on, but we think you will find it interesting; honestly, the truth is somewhere between his view and my view ² Evan shares what are the next writing projects he is working on ² Evan shares his concerns about where our country is at ² Evan closes by picking Mark's brain about his own kids and their educational journey and satisfaction with their college choices 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/

The Day the “Emergency Fund” Met Real Life Rachel here. Many tell us the same story: “I saved the emergency fund, but I'm worried I'm losing ground to inflation and missed opportunities.” https://www.youtube.com/live/T7O8abZDKw8 Because for most people, the “emergency fund” is a lonely pile of cash—stuck in a corner doing next to nothing. It feels safe, until inflation and opportunity cost quietly erode it. Today Bruce and I want to reframe that pile into something far better: emergency fund alternatives that give you liquidity and momentum. What You'll Get From This Guide If you've ever wondered how to stay liquid for the unknown without parking money in low-yield accounts, this is for you. We'll show you how to: Design liquidity that protects your family and keeps compounding intact Think “emergency and opportunity,” not either/or Decide how much liquidity you actually need Compare storage options (banks, brokerage, HELOCs, and emergency fund alternatives like cash value life insurance) Understand policy loans, interest, IRR, and why control and flexibility often beat chasing the “best rate” By the end, you'll have a practical blueprint to keep cash ready for life's surprises—without stalling your long-term growth. The Day the “Emergency Fund” Met Real LifeWhat You'll Get From This Guide1) Why Most People Misunderstand “Emergency Funds”Emergency Fund Alternatives vs. Cash-in-the-Bank2) How Much Liquidity Do You Actually Need?Emergency Fund Alternatives for Real Estate Investors3) Liquidity from Cash-Flowing Assets4) Where to Store Liquidity: A Practical Comparison5) Cash Value as an Emergency–Opportunity FundEmergency Fund Alternatives Using Whole Life Insurance6) “But What About Loan Rates vs. Policy IRR?”7) Real Estate, HELOCs, and Policy Loans—How They Compare8) Early-Year Liquidity & Design Reality9) The Two Big Mindset ShiftsEmergency Fund Alternatives That Keep You in Control10) Implementation Steps You Can Start This WeekWhy This MattersListen In and Go DeeperFAQWhat's the best place to keep an emergency fund?Are whole life policies good emergency fund alternatives?How much liquidity should real estate investors keep?Do whole life policy loans hurt compounding?Policy loan rate vs. policy IRR—what matters most?HELOC or whole life policy loan for emergencies?Book A Strategy Call 1) Why Most People Misunderstand “Emergency Funds” Most picture a rainy-day stash: a fixed dollar amount “just in case.” The problem? That mindset narrows your field of vision to only bad events. You end up over-saving in idle cash, under-preparing for real opportunities, and missing compound growth. The better frame is liquidity for emergencies and opportunities—capital that can pivot quickly, without losing momentum. Emergency Fund Alternatives vs. Cash-in-the-Bank Savings accounts provide easy access but pay little, expose you to inflation, and interrupt compounding when you withdraw. Emergency fund alternatives aim to keep liquidity and let your money continue working. 2) How Much Liquidity Do You Actually Need? Rules of thumb (3–6 months) don't account for your real situation: expenses, income volatility, business ownership, real estate cycles, and your emotional comfort. Bruce and I coach clients to answer three questions: Cash flow cushion: If your income paused, how long until you're back on track? Asset mix & access: Where is your capital now, and how liquid is it (including taxes/penalties)? Personal margin: What amount helps you sleep at night without freezing progress? The right number blends math and emotion. Peace of mind matters because you'll only stick with a plan you believe in. Emergency Fund Alternatives for Real Estate Investors Great operators earmark a percent of rents for vacancies, repairs, and cap-ex—plus a broader, flexible reserve. Emergency fund alternatives make that reserve productive while keeping it accessible. 3) Liquidity from Cash-Flowing Assets One overlooked “emergency fund” is consistent cash flow. If assets deposit $5K–$20K/mo. into your checking account regardless of your job, you may need less static cash. Let the monthly stream cover life's bumps—while your capital base keeps compounding. Cash flow accumulates → periodically deploy to premium (more on that next) Short-term bank buffer exists, but money doesn't linger there You stay positioned for both emergencies and deals 4) Where to Store Liquidity: A Practical Comparison VehicleLiquidityGrowth/DragTaxes on AccessProsConsBank savings/HYSAInstantLow; inflation dragNo capital gains on principalSimplicity, FDICOpportunity cost; interrupts compoundingBrokerage (cash/short-term)High–moderateVariesPossible gains taxesOptional yieldMarket risk; sale can trigger taxesHELOCOn-demand (if open)House appreciates regardlessLoan (not income)Flexible; common for investorsBank approval; can be frozenCash Value Whole Life3–5 days via policy loansUninterrupted compoundingLoan (not income)Control, guarantees, death benefitMust qualify; early-year liquidity is lower Bottom line: Banks are fine for swipe-ready cash. But for meaningful reserves, emergency fund alternatives that preserve compounding and add optionality often fit better. 5) Cash Value as an Emergency–Opportunity Fund This is where Infinite Banking principles shine. Premium dollars build cash value (guaranteed growth + potential dividends) and a rising death benefit. When you need liquidity, you borrow against cash value. Your cash value keeps compounding uninterrupted while the insurer's general fund provides the loan. Result: Capital keeps working; you gain flexibility Mindset: Be both the producer and the banker in your life Governance: Treat loans like a bank would—repay with intention to restore capacity Emergency Fund Alternatives Using Whole Life Insurance Liquidity in days (not months) Access via loan documents—not a bank underwriter If you pass away with a loan outstanding, it's simply deducted from the death benefit; your heirs still receive the net 6) “But What About Loan Rates vs. Policy IRR?” Bruce said it well: I care less about a single rate and more about the system—control, flexibility, and volume of interest over time. IRR reflects long-term, policywide performance. Loan rate is what you pay while capital continues compounding inside the policy. Volume matters: The faster you repay, the less interest volume you pay—at the same rate. Meanwhile, rising death benefits and dividends work in your favor. Chasing the perfect spread can stop you from using a system designed to keep your compounding intact and your options open. 7) Real Estate, HELOCs, and Policy Loans—How They Compare A helpful analogy: a policy loan works like a HELOC on your house—the property can keep appreciating whether a lien exists or not. With cash value, your “property” is the policy: growth continues by contract, and you place a lien to access cash. Differences: Access: Policy loans are paperwork-simple; HELOCs require bank re-approval and can be frozen. Speed: Policies often fund in 3–5 business days; HELOC timing varies. Control: With a policy, you set repayment terms; with banks, they do. For investors, combining a small bank buffer, a HELOC, and cash value creates layers of redundancy—plus uninterrupted compounding. 8) Early-Year Liquidity & Design Reality Honest trade-off: in the first year(s), you won't have access to 100% of premium dollars. That early drag buys you guarantees, long-term compounding, and a growing death benefit. Design matters (base + paid-up additions) and expectations matter. Ask: Do I really need every dollar back in 30 days? Most don't. By years 3–4, well-designed policies are commonly close to dollar-for-dollar access on new premium—and rising. 9) The Two Big Mindset Shifts From Emergency to Emergency–OpportunityStop saving only for the worst. Start storing capital that can respond to anything—repairs, vacancies, investments, giving, tuition, tithing, trips. From Saver to BankerDon't just hold capital; govern it. Design rules. Repay loans. Value your capital at least as much as a bank would. This shifts you from scarcity to stewardship. Emergency Fund Alternatives That Keep You in Control The aim isn't a magic product; it's a governed system that preserves compounding, widens options, and serves your family for decades. 10) Implementation Steps You Can Start This Week Clarify your true liquidity need. Calculate 90–180 days of net cash flow needs, not just expenses. Segment reserves: Keep a thin swipe-ready bank buffer; move the rest to emergency fund alternatives (e.g., cash value). Document loan rules: When you borrow, how will you repay? From what cash flow? On what rhythm? Automate funding: Set recurring transfers to build capital consistently. Review quarterly: Check buffer size, upcoming premiums/PUAs, deal pipeline, and family needs. Think generationally: Policies on multiple family members expand access, diversify insurability, and strengthen your long-term plan. Why This Matters Your “emergency fund” shouldn't be a deadweight expense. With emergency fund alternatives, you can keep liquidity, protect your family, and maintain uninterrupted compounding. Cash-flowing assets provide monthly cushion. Cash value provides controlled access, contractual growth, and a rising death benefit. Together, they create a resilient system that handles storms and seizes sunshine. Listen In and Go Deeper Want the full conversation—including examples, loan mechanics, and our candid takes on rates, IRR, and real-world trade-offs? Listen to the podcast episode on Emergency Fund Alternatives to hear how we actually apply this with clients and in our own families.

Nursing programs may no longer be considered professional degrees, which would limit student loan borrowing limits. What does that mean for students?

In this episode you will hear: (12:16) Matt Carpenter interview, Part 1 of 3 ² Matt gives an overview of College Aid Pro ² Matt warns our listeners of some schools that have inaccurate net price calculators ² Matt explains how College Aid Pro, AKA CAP knows whether a net price calculator is accurate or not (42:48) QFL #1 Kate and Susan join Mark to answer a question about parent involvement when it comes to demonstrating interest. (01:07:18) Interview: Mark interviews Tom Ellett, the chief experience officer at Quinnipiac University. Tom gives an overview of the Quinnipiac University Preview ² Tom gives us an overview of how Quinnipiac is one of the few comprehensive universities at their size ² Tom explains what the three Quinnipiac campuses are like, and he explains Quinnipiac's strategic location ² Tom explains what would make a student come all the way across the country to come to Quinnipiac ² Tom explains what Quinnipiac needs to improve to be an even better institution ² Tom explains what Quinnipiac has done in health sciences to help students ² Tom explains what Quinnipiac's personality is like ² Tom explains what admissions is looking for ² Tom explains why students select Quinnipiac ² Tom lets us know why students who are admitted to Quinnipiac go elsewhere ² Tom goes on the hotseat, and Tom is in his 61 years old and he says something that shocked me . 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/

Episode 605 To see more of this loan consultation checklist, visit GetMoreLoans.com and ask the team for the full breakdown. Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl is joined by top producer Jenay Bowen, who consistently closes eight to nine units a month by following a structured loan consultation process that dramatically increases conversion and minimizes surprises for buyers and agents. Jenay walks through her three part framework intro, nuts and bolts, and close and explains how it transforms the pre approval meeting into a smooth, predictable, and highly professional experience. You'll hear how she uses a simple 21 point checklist to stay on track, avoid missed steps, and set clear expectations from the start, which she says eliminates up to 90 percent of the problems that usually surface later in the transaction. Jenay shares how she educates clients with real numbers, guides couples to get aligned on budget, and uses her triangle of trust approach to strengthen agent relationships in every meeting. She also breaks down her pilot and turbulence story that prepares buyers for the journey ahead and shows why it boosts confidence and trust. Carl and Jenay dig into her closeout strategy, including why she has every borrower sign their application on the spot, how she asks for referrals in a natural way, and why this meeting creates pre approvals that agents view as solid as cash. Her system leaves nothing to chance and gives loan officers a repeatable process that increases conversion without adding more hours to the day. If you want pre approvals that stick, smoother transactions, and a consistent path to higher conversion, Jenay's process gives you the blueprint. Connect with Jenay at: Jenay.Bowen@SummitFunding.net

Join D.O. and Chris Vinson, CEO of Windsor Mortgage, for this insightful episode of The Loan Officer Podcast. Chris shares his journey from a young entrepreneur selling car stereos, through car sales and insurance, to becoming one of the mortgage industry's top leaders. Dive into stories about building market share, developing meaningful business strategies, and advice for originators on treating their database like a portfolio. With candid reflections on mistakes and wins, plus an outlook on new products and challenges facing mortgage professionals, this episode delivers actionable lessons and inspiration for anyone in the real estate or lending business.