Podcasts about loans

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

Tin tức sáng 28-12: Tăng lương cơ bản cho lao động làm việc ở Đài Loan từ 1-1-2026; FLC sẽ lãi 635 tỉ đồng sau năm thua lỗ; Mỹ kêu gọi Thái Lan, Campuchia triển khai ngừng bắn ngay lập tức... là những tin tức đáng chú ý.

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

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

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

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

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

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

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

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

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

Lygos Finance is the first trustless, Bitcoin-native lending platform designed for high-net-worth individuals and institutions, leveraging battle-tested tech for non-custodial loans that protect against centralized liquidation risks. Backed by Initialized Capital, its small team of five brings 34 years of combined paid Bitcoin experience, focusing solely on Bitcoin without distractions. Available to HNWIs in Latin American markets like Peru, it supports the region's booming crypto and stablecoin activity for expats and digital nomads. Francis from Lygos joins the podcast to tell us all about the first trustless, Bitcoin-native lending platform.

  In this episode, The Annuity Man discussed:  Understanding why life insurance loans are not income Questioning glossy tax-free income pitches Keeping life insurance simple and purpose-driven Testing illustrations and setting clear expectations   Key Takeaways:  Loans from a life insurance policy are not income, just as bank loans are not income. They are tax-free only because they must be repaid, not because they create earnings. Calling them "tax-free income" is a misleading sales framing. Many life insurance illustrations rely on optimistic assumptions and attractive projections. High internal fees and commissions often benefit the agent more than the client. If a pitch sounds too good to be true, it usually deserves deeper scrutiny.  Life insurance works best when focused on its core purpose: a tax-free death benefit. Level term coverage maximizes protection while minimizing cost and complexity. Avoid products with indexes, market ties, or unnecessary moving parts. Running illustrations at 0% growth reveals the true impact of fees and loan costs. This stress test shows whether a policy can sustain itself over time. Life insurance should be positioned as protection, not a tax-free income strategy.   "With life insurance, you buy the most death benefit you can for the least amount of money. It's that simple." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

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   —--------------------

Dan and Steve discussed the launch of "Call the Mortgage Guy," an extension of "Call the Underwriter" that focuses on non-QM loans. Steve explained that non-QM loans cater to borrowers who don't meet traditional mortgage criteria, such as self-employed individuals and those with non-traditional income, similar to seller finance borrowers. Dan noted the growing popularity of non-QM loans, which have increased from 1-2% to over 8% of the mortgage market in the last 2 years, as lenders target underserved markets. The expansion into mortgage brokering, enabled by mortgage licensing in states like Colorado, Texas, and Florida, aims to address this growing demand. For more info on underwriting seller finance loans or get started on a deal go to www.calltheunderwriter.com For for non-QM loans in TX, FL and CO go to www.callthemortgageguy.com  

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.

Buying before you sell sounds simple - until it isn't.In this episode, we break down bridging finance, when it makes sense to use it, the difference between open and closed bridging loans, how banks assess risk, the real costs involved, and the common mistakes that can turn a house upgrade into a financial headache.Next steps: If you're thinking about upgrading, downsizing, or buying before you sell, talk to the Lighthouse Mortgages team early - a 15-minute chat can save you months of stress and costly mistakes.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Home fires take their toll in lost lives, injuries and destroyed property.  During Christmas, house fires can be avoided or prevented. Make sure you take the time for precautions.  In this episode we will review the Top 3 ways to prevent fire in your home during the Holidays. These tips are good for everyone. Whether you own your home or you are renting. Feel free to share this episode with your friends and loved ones.   HELP US SPREAD THE WORD!!  If you loved this episode, kindly leave us a Review - FOLLOW this show and Share it on Social !  It would mean the world  

Merry Christmas, Savings and Loan! The SuperNatPod crew talk about their favorite alternative Christmas spirits and share some bizarre holiday news!Cogito Ergo DoleoFind more info about the show at https://www.supernaturalselectionpod.com/Contact us at team@supernaturalselectionpod.comSupport us on Patreon! https://www.patreon.com/supernaturalselectionTheme music by FC Music Studios - https://soundbetter.com/profiles/408824-fc-music-studiosFriends of the Show!Flagged for Content: https://linktr.ee/flaggedforcontentSpooky Dice Bag: https://spookydicebag.com/

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!

Understanding Offer Contingencies: What Buyers and Sellers Need to Know Buying or selling a home in Massachusetts isn't just about the price it's about the terms. On a recent episode of Talk Real Estate Roundtable, our team at Boston Connect Real Estate broke down one of the most important (and often misunderstood) parts of the transaction: offer contingencies. Whether you're a buyer preparing to write an offer or a seller reviewing one, understanding contingencies can help you avoid surprises, protect your interests, and keep a deal together from offer to closing  What Is a Contingency? A contingency is a condition written into an offer that must be met for the transaction to move forward. If that condition is not satisfied, the buyer may have the right to renegotiate or walk away without losing their deposit. Contingencies are not “red flags.” They are safeguards that clarify expectations and outline how risks are handled during the transaction. Purchase Price: More Than Just a Number The purchase price itself is a contingency. Buyers and sellers alike must understand market value, not just asking price. Buyers should be educated using comparable sales (comps) from the last 6 months New construction pricing is often firmer due to rising material and labor costs Overpricing can lead to appraisal issues later even if the offer is strong A common challenge we see is buyers (or family members advising them) relying on outdated market assumptions. In today's market, especially with desirable properties and new construction, “you never pay full price” is often no longer true. Home Inspection Contingency (and the New Massachusetts Rules) One of the biggest changes in recent years is how home inspection contingencies are handled in Massachusetts. Buyers can no longer simply “waive” a home inspection in the offer. Instead, the contract now requires buyers to choose how inspection results will be evaluated, such as: Buyer's sole discretion An aggregate repair threshold (for example, repairs exceeding $10,000) A home inspection is designed to: Identify material defects Flag safety concerns Highlight deferred maintenance It is not meant to create a perfect home. Cosmetic issues and personal preferences like wanting new appliances are not the same as defects. Mortgage Contingency: Protection for Buyers and Sellers If a buyer is financing their purchase, a mortgage contingency is critical. This contingency protects the buyer if they cannot obtain financing despite making a good-faith effort. It also reassures sellers that the buyer has taken the necessary steps to qualify. Key components include: Type of loan (Conventional, FHA, VA, portfolio, etc.) Loan amount and interest rate cap Deadlines for application and commitment A pre-approval letter is essential. Without one, an offer is incomplete and risky for the seller. Cash buyers should also expect to provide proof of funds this is standard practice, not an insult. Appraisal Contingency and Appraisal Gaps An appraisal protects the lender by ensuring the home is worth the agreed-upon price. If the appraisal comes in below the purchase price, a gap is created. Buyers then have three options: Renegotiate the price Bring additional cash to closing Walk away (if protected by the contingency) In competitive markets, appraisal gaps are common and they can be stressful. Clear expectations and experienced negotiation can often keep the deal together. Home Sale Contingency: The Domino Effect Many buyers need to sell their current home before purchasing their next one. A home sale contingency allows for this but it also introduces risk for sellers. To balance that risk, sellers may include a 48-hour kick-out clause, allowing them to continue marketing the property and require the buyer to proceed without the contingency if another offer comes in. While not ideal, these contingencies are often necessary and manageable with the right strategy. Why Professional Guidance Matters Contingencies are not one-size-fits-all. The wording, timelines, and structure of each contingency can dramatically affect the outcome of a transaction. At Boston Connect Real Estate, we: Educate buyers on realistic expectations Prepare sellers for potential hurdles Anticipate issues before they derail a deal Navigate changing laws and market conditions The goal is always the same: a smooth transaction with no surprises. Thinking About Buying or Selling? If you're preparing to make a move or reviewing an offer and feeling unsure our team is here to help. A thoughtful, well-structured offer can make all the difference.

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.

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 […]

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: 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

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.

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.

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

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/