Podcasts about loans

A 401(k) loan often looks harmless. You're borrowing from yourself, the interest comes back to you, and you'll pay it back before it matters -- right? But the fastest way to protect your retirement isn't understanding how loans and hardship withdrawals work. It's building a financial life where you almost never need them. Joe and OG dig into why more people are tapping retirement accounts than ever, and what confident investors quietly do differently. What You'll Walk Away With Why the biggest retirement threat isn't the loan itself -- it's the system that made the loan feel necessary The subtle ways a 401(k) loan can quietly erode long-term growth even when you pay every cent back on schedule How hardship withdrawals actually work, when the IRS gets involved, and why they're almost always the last move you want to make The career risk hiding inside every 401(k) loan -- and what happens when a job change turns your repayment timeline upside down A simple "tripwire" buffer for your checking account that gives you an early warning before spending drifts into dangerous territory How expense creep quietly pushes otherwise disciplined savers toward retirement withdrawals -- and the quick audit that catches it early A surprisingly effective way to use exported spending data and AI tools to surface budget leaks you've completely stopped noticing Why a properly built emergency fund functions like a circuit breaker between life's surprises and your retirement account The real situations where people most often raid retirement savings -- and the smarter alternatives that keep your long-term plan intact A beginner-friendly framework for grading your financial life across six core areas before small cracks become expensive problems Why This Matters Now Your 40s are often your highest-earning years -- and your most financially complicated ones. Rising costs, family obligations, and career uncertainty can make even disciplined savers feel the pull toward retirement money. The goal isn't just knowing the rules around 401(k) loans. It's building the habits and buffers that make raiding your future self's account something you simply never have to consider. From the Basement Joe and OG dig into fresh data showing more retirement accounts getting tapped just as the stakes are highest. Doug shows up with trivia that has no business being as competitive as it gets. The crew also pulls back the curtain on a new beginner-friendly series built to help Stackers pressure-test their entire financial foundation -- because the best retirement strategy was never about knowing when to borrow from yourself. FULL SHOW NOTES: https://stackingbenjamins.com/how-to-build-good-money-habits-1816 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode you will hear: Mark shares insights from a few articles that discuss which jobs AI will displace and which ones AI will not replace. Mark shares what is going on with changes ot the University of Florida and their admission policy Interview-Student Athlete Advisors-Part 3 of 4 o Amy talks about what she wants in a coaches recommendation letter and when does she want to receive this o Joe talks about how essential it is to send customized letters to each college but how you have to be creative o Joe talks about how ID camps can be extremely useful or a total waste of time and he gives some of the best advice for a student-athlete on how to know if a camp is a waste of your time. Friends, I have asked a lot of experts this question and Joe's answer is the best one I have ever heard o Amy talks about how important it is to start with a great targeted list o Amy talks about whether she liked it as a coach when a student asked her, where am I on your recruitment priority list? o Amy talks about how you have to translate the coach speech? o Reid talks about how parents who are overinvolved hurt their kid in recruiting o Katie shares some areas for parents to be involved 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/ 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/

In this episode of the Loan Officer Podcast, host Dustin Owen is joined by producer Karina Mojica and TLOP crew member Michael Siciliano (also known as Rocky Mikey Vinnie, Marketing Mike). Together, they dive into the recent U.S. and Israeli military strikes on Iran, exploring the far-reaching consequences these events have on the mortgage industry. The team breaks down how ongoing geopolitical instability in the oil-rich Gulf region can drive fluctuations in oil prices, which in turn impact inflation rates and ultimately influence mortgage rates across the country. Throughout the discussion, Dustin, Karina, and Michael provide listeners with a comprehensive analysis of the economic ripple effects stemming from international conflict, offering valuable historical context to help make sense of current events. They examine previous instances where global tensions have affected financial markets and draw parallels to today's environment, giving both homebuyers and loan officers practical advice on how to navigate uncertainty. Emphasizing the importance of focusing on personal financial readiness, the hosts encourage listeners not to be swayed by short-term market volatility, but instead to concentrate on factors within their control. The episode also underscores the critical need for industry professionals to stay informed, adaptable, and proactive in the face of rapidly changing global events. Whether you're a seasoned mortgage professional or a first-time homebuyer, this episode provides timely insights and actionable strategies to help you make informed decisions in an unpredictable market.   Loan officer looking for a new place to call home?

Featured on WGN Radio's Home Sweet Home Chicago on March 14, 2026: Lindholm Roofing's Assistant Manager Mike Huston talks about why people should be cautious of storm-chasing door-to-door contractors, and avoid signing blank contracts instead of trusting in a local contractor like Lindholm Roofing! Listen to find out! To learn more about what Lindholm Roofing […]

Featured on WGN Radio's “Home Sweet Home Chicago” on March 14, 2026: Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits, joins David Hochberg to discuss why now is the time for a better retirement planning strategy. For more information, call 800-640-2256.

We started this week's show by talking with Mike Huston, Assistant Manager of Lindholm Roofing, who reminds listeners to be wary of storm-chasing door knockers. Next, Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits, discusses why now is the time for a better retirement planning strategy. Then, Frank Wasilewski, CEO of Access Elevators reminds listeners that freak accidents can […]

Featured on WGN Radio's “Home Sweet Home Chicago” on March 14, 2026: Frank Wasilewski, CEO of Access Elevators, joins the show to inform listeners that accidents can happen anytime and the assistance families can qualify for. To learn more about what Access Elevator can do for you, go to allaboutaccess.com or call 630-616-6249.

It's This Week in Bourbon for March 13th 2026. Buffalo Trace Tried doing a new online bottle release system, Uncle Nearest is back in the news with hiding a $20M loan, and Maker's Mark launches its Wood Finishing Series: The Stewards Release.Show Notes: Five Southern Glazer's executives indicted for eight-year bribery and shelf-placement scheme Farm Credit Mid-America alleges Uncle Nearest funneled $20M loan to hide assets Sazerac takes control of Garrard County Distilling Co. after purchasing $26M debt Give 270 receives $11,350 grant from Karis Management Group for community support National Bourbon Week returns to Bardstown June 14–21 with 10 partner distilleries Milam & Greene launches Bluebonnet Bourbon benefiting Lady Bird Johnson Wildflower Center New Riff debuts 2026 Silver Grove series featuring six-year Bourbon and Rye Kentucky Senator honors Jim Bunning with seventh small batch release aged 8.5 years Learn more about your ad choices. Visit megaphone.fm/adchoices

In this insightful episode of The DO Show, host Dustin Owen delivers four essential business lessons specifically tailored for loan officers who are navigating the challenges of today's tough and ever-changing mortgage market. Drawing from his extensive experience in the industry, Dustin breaks down the importance of learning from previous market cycles, emphasizing how understanding historical trends can help originators anticipate changes and make more informed decisions. He also highlights the value of focusing on real, meaningful progress rather than falling into the trap of constant comparison with others, reminding listeners that personal growth and business development are unique journeys. Dustin goes on to discuss the necessity of leaving business situations or partnerships that are no longer aligned with your goals or values, encouraging loan officers to prioritize environments that foster growth and positivity. He stresses the power of practicing intentionality in daily actions and long-term planning, urging originators to set clear goals and make deliberate choices that move their businesses forward. Additionally, Dustin encourages listeners to think bigger by leveraging the support of others, whether through seeking mentorship, building strong teams, or delegating tasks that free up time for higher-level activities. Throughout the episode, he offers practical advice and actionable mindset shifts designed to help mortgage professionals build sustainable, resilient businesses that can withstand market fluctuations. The episode wraps up with Dustin extending a warm invitation to join the TOPS Originator Coaching community, where listeners can access further support, resources, and opportunities for professional growth. Whether you're a seasoned originator or just starting out, this episode provides valuable insights and encouragement to help you thrive in the mortgage industry.

In this episode of The Huddle Breakdown Extra Time, Martin, James, and Alan look past the dramatic penalty shootout win at Ibrox to preview a crucial SPFL clash against a vastly improved Motherwell side. The lads dissect Motherwell's structured, possession-based transformation and question whether a depleted Celtic squad has the tactical coherence to outplay them without Callum McGregor. Alan drops a controversial bombshell, arguing that Celtic should immediately recall Johnny Kenny and Luis Palma from their loans, using data to prove they are more effective than the club's current struggling wingers and strikers. Finally, the panel tears into the "sinister" Scottish media and VAR officials over the bizarre, unexplained disallowed Maeda goal at Ibrox and the BBC's refusal to show the footage.Want to support the channel? - https://huddlebreakdown.comLike this video and want more content like it? Subscribe to the channel below and hit the bell to get notified every time a new video goes live. Follow us on Twitter: @huddlebreakdown@Alan_Morrison67 @jucojames Hosted on Acast. See acast.com/privacy for more information.

In this episode you will hear: (02:48) In Our Question from a Listener-Susan joins Mark to answer a question from an anonymous mom who wants to know if the way a college communicates with me is an indication of what my experience will be like when I arrive at the college (21:24) Mark interviews Stephen Burd, senior writer and researcher about his latest article that appears at newamerica.org on the topic of 41 colleges that are saddling a high percentage of low- income students with Parent PLUS loans-Part 3 of 3 Part 3 v Stephen talks about what he would change if he was in charge and Stephen clearly thought of this because he has a lot to say v Stephen talks about how the role of enrollment management has changed v Stephen talks about what the think tank, New America, that he works for, what does New America do? (39:01) College Spotlight 2-Grace Robertson-Lloyd, an Associate Director of Admission at Grinnell College, and a regional admission officer stationed in Denver, explains to us what the role of the Regional Admission officer is · Grace gives her backstory, including her time as a student at Grinnell · Grace talks about her first 10 years working for Grinnell in Iowa, DC and Grinnell, Iowa · Grace explains how the role of a Regional is similar and different to the role of a home-based admission officer who lives close to the college · Grace explains the trade-offs of not being able to do some things that home-based AO does, but how she has additional responsibilities that fill up her time · Grace tells us what her territory is · Grace talks about the pros and cons of being a regional that lives in the city she is recruiting from · How can a student know if they have a regional AO from a college living locally and how can a student best take advantag4e of a regional 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 episode, mortgage expert Frank Ruzicka shares insights on long-term financing strategies for real estate investors, the importance of reliable funding sources, and navigating state-specific lending laws.   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, Ashwin Abichandani shares his journey from military service and corporate roles to becoming a successful real estate agent and investor in Chicago. He discusses the importance of humility, resilience, and strategic thinking in real estate, along with practical advice for investors and agents.   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   —--------------------

Trap Talk Reptile Network Presents Ep.744All In The Trees Tuesday w/ Brian Latimer Of Lucky Leviathans  Why Breeder Loans Can Be A BAD IDEA... Things You May Consider (Live)JOIN TRAP TALK FAM HERE: https://bit.ly/311x4gxFOLLOW & SUPPORT THE GUEST:  / luckyleviathans  SUPPORT USARK: https://usark.org/MORPH MARKET STORE: https://www.morphmarket.com/stores/ex...SUBSCRIBE TO THE TRAP TALK NETWORK: https://bit.ly/39kZBkZSUBSCRIBE TO TRAP TALK CLIPS:   / @traptalkclips  SUBSCRIBE TO THE TRAP VLOGS:https://www.youtube.com/channel/UCKxL...SUPPORT USARK: https://usark.org/memberships/Follow On IG: The Trap Exotics https://bit.ly/3hthAZuTrap Talk Reptile Podcast https://bit.ly/2WLXL7w Listen On Apple:Trap Talk With MJ

In this episode of the Mortgage Loan Officer Podcast, Frank Garay sits down with social media marketing expert Chelsea Gardner, founder of Fully Aligned Marketing, to break down how loan officers should be using social media in 2026. Chelsea shares the three biggest opportunities most originators are missing when it comes to building influence and generating referrals online. Instead of chasing trends or posting random content, Chelsea explains how loan officers can build a recognizable personal brand, attract referral partners, and turn social media into a consistent lead source. Frank and Chelsea discuss: • Why loan officers should build a personal brand around their real-life interests and hobbies • How targeted ads to real estate agents can create referral opportunities • The importance of video content that blends personal and professional messaging • How Chelsea helps loan officers develop a social media strategy that actually converts Chelsea also explains her process at Fully Aligned Marketing, where she helps mortgage professionals develop content, manage social media, and run targeted campaigns that attract the right audience. If you're a loan officer looking to grow your visibility, build relationships, and generate business through social media, this episode is packed with actionable insights. Learn more about Chelsea Gardner:

AP's Lisa Dwyer reports on the return of a rare slave ship artifact.

The Last Ten Nights Are HereBefore diving into the final ayah of Surah Al-Muzzammil, a timely reminder — tonight is the 23rd night of Ramadan. The last ten nights are upon us, and the Prophet ﷺ told us to hunt for Laylatul Qadr in these nights, especially the odd ones. Tonight is one of them.So what should fill these nights? Extra raka'at. Extra Quran. Extra dhikr. And the best du'a for this occasion comes to us through Sayyidatuna Aisha (رضي الله عنها), who asked the Prophet ﷺ: if I encounter the Night of Al-Qadr, what should I say? He replied: “Allahumma innaka ‘afuwwun tuhibbul ‘afwa fa'fu ‘anni” — “O Allah, You are the Most Pardoning and You love to pardon, so pardon me.”Now, there's an important distinction here between ‘afw and ghafar. When we say astaghfirullah and ask for Allah's forgiveness (ghafar), the record of the sin remains — but the punishment is cancelled. The deed is still in the books on the Day of Mahshar, but Allah will not punish us for it.Al-'Afw is something else entirely. It is when the record is expunged altogether. Wiped clean. As if the sin never happened. This is why the Prophet ﷺ said that whoever fasts sincerely and prays during the nights of Ramadan — and catches Laylatul Qadr — will have all their past sins forgiven. They exit Ramadan like the day they were born. No record of sins whatsoever.It's just a few nights. Sleep a little less. Yes, there will be tiredness — that's okay. This is our training. Don't miss a night that is greater than a thousand months, greater than 83 years of worship.Grounded is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.Where We Left Off — The Arc of Surah Al-MuzzammilThe surah opened with a command: stand up at night, pray, and recite the Quran. Why? Because the day is full of heavy tasks — spreading truth, standing for justice, enduring hardship — and the strength to carry all of that comes from the spiritual work done at night. Reading about Jannah motivates. Reading about Jahannam sobers. The connection to Allah realigns everything.Then came the warning through the story of Fir'aun — richer, stronger, more powerful than the Quraysh, yet destroyed in an instant when he rejected Prophet Musa. Then the terrifying imagery of Yawmul Qiyamah: skies torn apart, children's hair turning white from sheer terror. And finally, the choice: believe and take the prophetic path, or reject and face the consequences. Every choice carries a consequence.Now the surah circles back to where it began — Qiyamul Layl — but this time with something remarkable: mercy.Allah Knows Our WeaknessThe original command was demanding. Stand up most of the night — two-thirds, or at least half, or at the very minimum a third. The Prophet ﷺ did this every single night, without exception, even while travelling, even during battle. But Allah knew that the rest of the ummah would struggle.Allah says: “Indeed, your Lord knows that you stand less than two-thirds of the night, sometimes half, sometimes even less than a third — and so do a group of those with you.”Allah is the One who measured the length of night and day. Some seasons, the nights are long and Qiyamul Layl is easier — in Perth during winter, Maghrib comes in at 5:15 and Fajr isn't until around six. Plenty of time to sleep and still wake up. But in the peak of summer, when Fajr is at 3:30? That's a different story. Allah knows all of this.And so He says: “He has forgiven you.” Qiyamul Layl is fard upon the Prophet ﷺ, but for the rest of us, Allah has already shown mercy and lifted that strict obligation.But Don't Abandon It AltogetherHere's the key — just because the full obligation has been eased doesn't mean doing nothing is an option. Allah says: “So read what is easy for you from the Quran.” Stand up for even two raka'at. Read whatever surahs have been memorised. Carve out even a small portion of the night for spiritual work.This is a fundamental principle in Islam: what cannot be accomplished entirely should not be abandoned in totality. Islam doesn't teach perfectionism — it's not 100% or nothing. It teaches consistent effort. The Prophet ﷺ said that the most beloved deeds to Allah are those that are consistent, even if they are small. Two raka'at every single night outweighs a marathon session once a month.And this, by the way, is one of the great purposes behind memorising the Quran — so that those surahs can be recited in prayer. Al-Kahf, Al-Mulk, Al-Baqarah — they come alive when recited standing before Allah at night.The Three Excuses Allah AcceptsThen Allah provides specific concessions. First: those who are sick. Illness isn't a choice — when rest is needed for recovery, Allah says it's okay.But then come two more categories that are remarkable, because they are things people can choose — and Allah still grants them as valid reasons for doing less Qiyamul Layl.The first: those who travel the earth seeking Allah's bounty — meaning those who are out working, doing business, building economic stability. The second: those who fight in the path of Allah, defending the religion and the community.These two are placed in equal standing. Working hard to earn a living is given the same weight as defending the faith. That is extraordinary. It tells us something profound about how Islam views economic productivity — not as a worldly distraction, but as an act valued by Allah Himself.The Prophet ﷺ said the best rizq is what a person earns from their own effort, and he pointed to Prophet Dawud (عليه السلام) as the example — a prophet, a king, and yet also a blacksmith who worked with iron and ate from the labour of his own hands.Ibn Umar expressed this beautifully. He said the best deaths he could wish for were two: martyrdom in the path of Allah, and dying on a business journey — on his camel, with his trade goods, on his way to earn a living. Because this ayah puts them side by side.Islam Wants Muslims to Be Wealthy — But With PurposeThe encouragement to work hard and build wealth doesn't come without direction. Islam doesn't say: get rich so you can buy the fanciest car, then a fancy island, and once you run out of things to buy on earth, spend a trillion dollars trying to conquer Mars.Islam says: be rich, but that's not the end goal. The ummah becomes strong when Muslims have economic power and an akhirah mindset. With wealth, the community can build schools, support students in critical fields, fund long-term projects. This is Sadaqatul Jariyah — continuously flowing charity that keeps giving long after the initial contribution.There's a telling hadith in Imam Al-Nawawi's Forty Collection that captures this tension perfectly. The poor companions once came to the Prophet ﷺ and complained: “Ya Rasulullah, the rich have taken all the extra reward! They pray like we pray, they fast like we fast — but they can give charity from their surplus wealth, and we can't.” The Prophet ﷺ reassured them that dhikr — saying SubhanAllah, Alhamdulillah, Allahu Akbar — is also charity. The poor companions went away happy. But a few days later? The rich started doing dhikr too. Now they had both. The poor came back and said: what about us now?The point isn't to vilify poverty. The Prophet ﷺ went on to explain that there is charity in every good act — helping someone onto their ride, carrying someone's load. But wealth opens doors that nothing else can. Zakat, the pillar of Islam, is only payable by those who have wealth. And the framing matters: it's not that the wealthy have to pay zakat — they get to pay zakat. Without wealth, that entire pillar of Islam is inaccessible. And hajj is the same.The story of Sayyidina Uthman (رضي الله عنه) at the Battle of Tabuk drives this home. He donated so generously — horses, camels, wealth — that the Prophet ﷺ said: “Nothing Uthman does after this will harm him.” Guaranteed paradise. And Uthman wasn't living in poverty. He had luxuries. But look at the scale of what his wealth allowed him to do for the ummah.At the same time, Islam doesn't expect anyone to give 100% away. The best charity, the Prophet ﷺ said, is what is spent on family — on spouses, on children. The balance is always there: spend on yourself, on your family, and on the ummah for the sake of the akhirah.The Beautiful LoanEven with all these concessions, Allah says: still, read what is easy from the Quran. Establish your salah. Pay your zakat. Don't let the extras overshadow the foundations — a hundred raka'at of Qiyamul Layl mean nothing if Fajr is missed. Generous charity donations mean nothing if zakat is neglected. The obligatory always comes first.Then comes a stunning phrase: “And give Allah a beautiful loan (qard hasan).”A qard hasan is a loan with no deadline for repayment and no interest. Every good deed — every act of worship, every charity, every kindness — is a loan to Allah. And here's the beauty of it: Allah doesn't need our loan. He owns everything in the heavens and the earth and everything in between and beyond. He could simply say: “That's Mine, I gave it to you, give it back.”But in His mercy, Allah understands human nature. He understands that people are wired to think in terms of profit and return on investment. So He frames it as a transaction: give Me a loan, and I will surely repay you — multiplied many times over. In human transactions, demanding extra on a qard is riba. But with Allah, He is the One promising to multiply the return. It's the ultimate ROI.And what can a person invest with? Two things: wealth or skills. Both require Muslims to be hardworking.It's All For UsAllah then makes something clear: whatever is sent forth for the akhirah, it's essentially for our own benefit. Allah doesn't need our investment. Every command He gives is for our sake, not His.And there's a profound observation embedded here. As humanity lives more and more comfortably — materially, physically — mental health continues to decline. The richer the country, the higher the rates of depression and anxiety. Why? Because life without purpose erodes the soul. When everything is easy and comfortable, humans lose their sense of direction.Islam solves this by providing a purpose so enormous that no amount of wealth or comfort can make it irrelevant: getting to Jannah. How do we get there? That question structures every day, every decision, every effort. It keeps life purposeful no matter the circumstances. And when the community works together with that shared purpose, everyone rises.Ending with IstighfarThe surah closes with a command to seek Allah's forgiveness. Wastaghfirullah — make istighfar. There are two dimensions to this.First, the timing. The pre-dawn hours — suhoor time — are the best time for istighfar. Allah praises those who seek forgiveness in the early morning. For those already awake for Qiyamul Layl, this flows naturally.Second, there's a subtler reason. Sometimes, in the middle of worship and good deeds, something dangerous creeps into the heart. A feeling of: “I woke up for Qiyamul Layl. I read Surah Al-Kahf in one raka'ah and Surah Al-Mulk in the next. I'm amazing.” Or after giving a large charity: “I'm so generous. Look at what I gave.”This is kibr — arrogance — and it's one of Shaitan's favourite tricks. When he can't stop someone from doing good deeds, he tries to spoil the deed through the intention. So the surah ends with the antidote: astaghfirullah. Centre yourself. Realign the intention. “Ya Allah, if there was any misalignment in my heart, I seek Your forgiveness.”Indeed, Allah is Most Forgiving and Most Merciful.The Complete Message of Surah Al-MuzzammilAnd with that, Surah Al-Muzzammil comes to a close. Its message is beautifully complete: stay up at night, even a little. Pray. Read Quran. Let that spiritual recharge fuel everything in the day — the work, the earning, the serving of the ummah. Islam is a religion of balance: worship at night, work hard in the day. And in between, give everything its right. The body has a right — rest, nutrition, exercise. Family has a right — time and attention. And Allah has a right — acts of worship.Fulfil all those rights. That's the straight path.Your Action Steps This Week* Make the du'a of Laylatul Qadr every night. Memorise “Allahumma innaka ‘afuwwun tuhibbul ‘afwa fa'fu ‘anni”and repeat it abundantly in the remaining nights of Ramadan. Understand the difference — this isn't just asking for forgiveness, it's asking for a complete clean slate.* Do something every night, even if it's small. If two raka'at is all that's manageable, pray two raka'at. If one page of Quran is what's realistic, read one page. Don't let the inability to do everything become an excuse to do nothing.* Reframe how work fits into worship. This ayah places earning a livelihood alongside fighting in the path of Allah. Approach work this week with the conscious intention that economic productivity is an act Allah values — and use what is earned to benefit family and community.* Audit the foundations before the extras. Before adding more nawafil, make sure the obligatory salah and zakat are fully in order. The extras don't compensate for gaps in the foundations.* End every night with istighfar. After Qiyamul Layl, after du'a, after any act of worship — close with astaghfirullah. Let it be the safeguard against arrogance creeping into the heart through the very deeds meant to bring closeness to Allah.May Allah grant us the strength to apply the lessons from Surah Al-Muzzammil — to pray at night, recite the Quran, and work hard in the day for the benefit of the ummah. May Allah allow us to enter Jannah with the Prophet ﷺ and with the Sahaba.Next week, inshaAllah, we begin Suratul Muddaththir. Don't forget — tonight is the 23rd night. Qiyamul Layl. Stay up extra. Make lots of du'a.Assalamualaikum warahmatullahi wabarakatuh.Thanks for reading Grounded! This post is public so feel free to share it. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit groundeddaily.substack.com/subscribe

In this episode, Dylan Silver interviews Matt Graham, a former banker turned small-shop mortgage banker and investor based in the Ozarks. Matt shares insights on real estate investing opportunities in the Ozarks, including affordable entry-level properties, long-term rentals, and short-term vacation rentals in areas like Branson. He explains financing strategies such as HELOCs, the BRRRR method, commercial lines of credit, and DSCR loans. Matt also discusses the importance of choosing the right investment strategy, surrounding yourself with the right team, and understanding market factors like interest rates, inflation, and unemployment when making real estate decisions.   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   —--------------------

The economy is shifting, interest rates are holding steady, and dentists everywhere are asking the same question. Is now the right time to grow? In this episode of the Art of Dental Finance and Management podcast, Art Wiederman sits down with Dan Larkin of Bank of America to break down exactly what is happening in the market and what it means for your practice.Dan shares insights on inflation trends, unemployment rates, consumer spending, and how those factors influence lending for dental professionals. While headlines may feel uncertain, the dental industry remains strong, with steady growth and historically low loan default rates. Interest rates are currently in the mid five percent range, and Dan explains how fixed rate dental loans are influenced more by the 10 year Treasury than short term Fed changes. The conversation also dives into what banks look for when approving loans, including credit scores, debt levels, and debt service coverage ratios. For dentists considering a startup, acquisition, expansion, or real estate purchase, preparation is key. Strong personal credit, manageable debt, clean financial records, and an early conversation with a dental specific lender can make all the difference. The message is clear. Capital is available, opportunities are strong, and with the right advisory team in place, 2026 could be a powerful year for growth in dentistry.--------------Looking for financial guidance from a team that truly understands dentistry? Bank of America Practice Solutions has spent over 25 years helping dentists nationwide achieve their goals with customized financing and expert support, whether you are just getting started or growing an established practice.Email dg.connect@bofa.com to connect with a specialist and get personalized financial solutions.--------------Stop feeling overwhelmed by the numbers. ADCPA member firms specialize exclusively in serving dentists to help you achieve financial success. Gain a strategic partner who understands industry benchmarks and overhead management so you can focus on clinical excellence.Find your expert: Visit https://adcpa.org/ to find a trusted dental CPA near you. Your numbers should work as hard as you do.--------------Detect what traditional diagnostics miss. Innerview uses FDA-cleared technology to measure internal tooth mobility, helping you identify cracks and loose restorations earlier before they become emergencies. The result is better treatment planning, fewer surprises, and stronger patient trust, all without disrupting your workflow.Book a demo at Innerview.ai and mention Art Wiederman to receive $250 off.

You've got a great multifamily deal lined up—but your tax returns, DTI, or “10‑property” limit kill the loan before it starts. In this episode of Chasing Financial Freedom, Ryan DeMent explains how DSCR loans work for multifamily investors, how lenders actually calculate DSCR using NOI and full PITI, what ratios they want to see, and why your credit score, down payment, and reserves still matter even when they ignore your W‑2s and tax returns. You'll also hear the key pros and cons—higher rates and prepayment penalties versus speed, scalability, and LLC vesting—so you can decide when a DSCR loan is the right tool for your next multifamily purchase and when conventional financing will serve you better.

Key Topics Covered: 1. Why Pooling Is a Missing Mindset in Financial Planning Most financial advice is built around the nuclear family unit, not the wider family tree. Families often manage money in isolated silos, which benefits institutions more than the family. Pooling is framed as efficiency and joined up planning, not “taking someone's money”. 2. Pooling Cash: Better Rates, Lower Risk, and Less Bank Dependence Technology platforms can provide access to better savings rates and multiple banking options. Spreading cash across institutions reduces the risk of a single point of banking failure. Many people stay with the same bank for decades and miss better returns and protections. 3. Pooling Investments: Aggregating Platforms to Cut Fees Stock market investing is now largely platform based, and platform fees are often percentage based. By aggregating family pots, it may be possible to reduce platform fees across the whole family. The compound impact of fee savings over time can be enormous, especially as portfolios grow. 4. What a SSAS Is and Why It's Different SSAS is described as a pension that operates more like a business: entrepreneurial and flexible. It can invest in many asset types beyond the stock market, including commercial property and more. It is multi person and multi generational, allowing family members to pool pension pots. 5. SSAS Pooling Benefits: Activity Based Fees and Tax Deductible Costs SSAS fees are based more on activity than value, unlike many platforms that charge by percentage. SSAS running costs can be tax deductible expenses for the business paying them. This can mean a larger SSAS can cost less to run than a smaller conventional pension. 6. Who Can Join a SSAS and How Big It Can Be A SSAS can include up to 11 members in total (you plus 10 others). Members must be genuinely connected, commonly spouses, adult children, or wider family. More families are now exploring bringing children into pension structures earlier. 7. Inheritance Tax Planning Inside SSAS: Earmarking Earmarking allows families to assign higher growth assets to children and lower growth assets to parents. This can accelerate children's pension growth while slowing the parents' pension growth. A smaller parent pot can reduce the inheritance tax exposure when pensions are included from 2027. 8. Inheritance Tax Planning Inside SSAS: Loanback SSAS loanback allows business owners to borrow from their own pension into their company. Loans can be up to 50 percent of the SSAS value and must be secured under the rules. The interest rate can be far lower than commercial borrowing, potentially saving tens of thousands in fees. If the company is structured with next generation shareholders, profits can accumulate outside the parents' IHT problem. 9. Pooling Wisdom and Documents: Preparing the Next Generation Families should involve adult children sooner so they understand what exists and why it matters. A digital vault can pool documents, passwords, and key financial information securely in one place. Physical originals (like wills) should also be stored in a fireproof, waterproof container. Pooling memories and family stories can be part of the vault too, strengthening legacy beyond money. Actionable Takeaways Review where your family is paying percentage based platform fees and explore whether aggregation could reduce them. Audit cash holdings and consider spreading across institutions to improve rates and reduce risk. If you are a business owner with pensions, explore whether a SSAS could reduce costs and increase flexibility. Learn the SSAS tools that matter for 2027 planning: earmarking and loanback. Bring adult children into the conversation early so wealth transfer includes competence, not confusion. Create an ICE file and a digital vault so your family knows where everything is in an emergency. Resources & Next Steps WealthBuilders Membership: wealthbuilders.co.uk/membership Family Wealth Fortress: wealthbuilders.co.uk/fortress Download our FREE Pensions and Inheritance Tax Guide WealthBuilders Membership: Free access to guides, webinars, and community Connect with Us: Listen on Spotify, Apple Podcasts, YouTube, and all major platforms. Next Steps On Your WealthBuilding Journey:   Join the WealthBuilders Facebook Community Schedule a 1:1 call with one of our team Become a member of WealthBuilders If you have been enjoying listening to WealthTalk - Please Leave Us A Review!

In this episode, host Janet Michael visits the Capon Valley Bank branch in Stephens City to discuss the value of community banking in today's digital age. Melba Thorne shares insights on personalized banking, financial literacy, and how a century-old institution maintains its commitment to local communities. About Capon Valley Bank History: Serving communities since 1918, starting in Wardensville, West Virginia Locations: Five branches across Hardy County (WV) and Frederick County (VA) New expansion: Sixth branch opening May 2026 on Winchester's north side (across from Texas Roadhouse on Ezra's Lane) Parent company: Highland Bank Shares (sister bank to Grant County Bank) Banking Philosophy "Big bank products with hometown service" Focus on personal relationships over sales quotas Loan decisions made locally (no waiting weeks for out-of-state approval) Treating customers as individuals, not numbers Goal: "The Chick-fil-A of banking" - knowing customers by name Services Offered Personal Banking: Checking and savings accounts Home equity lines of credit Auto loans Rewards checking with "UChoose Rewards" program Roundup savings program (automatically rounds purchases to nearest dollar and saves the difference) Business & Commercial Banking: New construction lending (residential and commercial) Commercial lines of credit Small business startup loans SBA loans Agricultural loans Investment property financing (including Airbnb properties) Land loans Renovation loans Financial Tips Credit Score Protection: Limit credit inquiries when car shopping (no more than 2 pulls from dealerships) Multiple credit pulls can dramatically drop your credit score Get pre-approved from your bank before visiting dealerships Target credit score: 680+ (many banks require 700+) Credit Score Factors: Too many credit cards can hurt your score Maxed out credit cards negatively impact your score even if paid on time One missed payment can drop you below 700 Medical issues, divorce, and life events are considered with context Smart Money Habits: Build emergency savings for "rainy days" Use roundup savings programs to save without thinking about it Monitor your credit score regularly through banking apps Don't spend everything left over after paying bills Community Involvement Cram the Cruiser: Annual toy drive in December for Toys for Tots (collects 300+ toys per branch) Partnership with local police and fire departments School volunteer programs and event support Sponsorship of local fairs and festivals (Newtown Heritage Weekend, etc.) Active chamber of commerce participation Community Leadership Program graduate Technology & Convenience Full online banking platform Mobile banking apps Online account applications available Educational learning center on website with product videos Still encourages in-person visits for personalized service Contact Information Website: caponvalleybank.com Phone: 540-868-1140 Direct line to local branch (no call centers!) Commercial Lending: Fred Brooks, Commercial Loan Officer Resources Mentioned Educational videos and learning center at caponvalleybank.com Credit score monitoring apps SBA loan programs

The Department of Hawaiian Home Lands is making significant progress in getting Native Hawaiian beneficiaries into housing. Chair Kali Watson says his agency is awarding about 2,600 leases this year, a substantial increase from years past. He also says the department is working on commercial projects to generate revenue, including a race track in Kalaeloa. Hawaii Community Lending CEO Jeff Gilbreath explains how community development financial institutions (CDFI) help support their mission.See omnystudio.com/listener for privacy information.

Send a textUnderstanding the definition of an ownership interest is crucial under the Stark Law. In this episode, Captain Integrity Bob Wade shares why loans are ownership interests under the Stark Law. Hear why you need to know & understand all definitions under the Stark Law, why ownership interests also include loans & bonds under the Stark Law, why you should always self-report, key takeaways from a recent Stark Law settlement, and the history of the “When in Rome” proverb. Learn more at CaptainIntegrity.com

Today, I'm breaking down the best credit-builder loans and secured cards in 2026 and exactly how to use them to boost your credit score.  Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/    The fastest way to boost your score isn't always about deleting negative items.  Sometimes it's about adding the right positive items. Most credit repair businesses only focus on removals. But here's the truth, an empty credit report does not build a high score. Positive data does, and if you don't rebuild strategically, you're leaving massive points on the table. In this episode, I break down the best financial tools and management strategies to help you bridge the gap from poor to excellent credit.  Tune in now!  P.S. Join the #1 event to grow your credit repair business:  http://creditrepairexpo.com/  Key Takeaways:  00:00 Intro  01:36 Repairing vs. Rebuilding Credit  03:42 Credit-Builder Loans and Secured Cards Explained 06:31 Top Credit-Builder Loans in 2026  09:27 Top Secured Credit Cards in 2026  13:22 Strategies for Rebuilding Your Credit Strategically 15:37 My Final Point  17:03 Outro Additional Resources: Get a free trial to Credit Repair Cloud Get my free credit repair training   Fastest Wins in Credit Repair: 7 Things You Can Delete In DAYS Make sure to subscribe so you stay up to date with our latest episodes.

Host Jonathan Hughes is joined by frequent guest of the MEFA Podcast and founder and president of The Institute of Student Loan Advisors (TISLA), Betsy Mayotte. They discuss changes to the Parent PLUS and Grad PLUS Federal Loans, as well as other changes within the federal loan programs offered by the Department of Education.

What if the biggest challenge facing the mortgage industry isn't rates, guidelines, or loan products—but trust?In this episode of Laugh, Lend & Eat, Fobby Naghmi sits down with Kristin Messerli, Executive Director of FirstHome IQ, to unpack the growing trust and knowledge gap between the mortgage industry and the next generation of homebuyers.Drawing from the FirstHome IQ Impact Report, Kristin shares eye-opening research about how Millennials and Gen Z approach homeownership—and why many are delaying one of the most important financial decisions of their lives.The conversation explores why today's buyers feel overwhelmed by financial information, why so few trust industry professionals to guide them, and why the future of mortgage professionals may depend less on selling loans and more on educating and advocating for consumers.They also discuss Kristin's work bringing mortgage professionals to Washington through industry advocacy efforts, and why loan officers may play a critical role in shaping housing policy and rebuilding confidence in homeownership.If the industry wants to reach the next generation of buyers, it may need to rethink what it means to be a trusted advisor.In This EpisodeWhy the mortgage industry is facing a growing trust crisisThe surprising financial literacy gap among younger buyersWhy information overload causes people to delay buying homesThe difference between selling mortgages and educating consumersWhy loan officers may need to become community educatorsThe role mortgage professionals can play in housing advocacy and policyKey TakeawaysTrust is the real barrier.Many younger consumers don't lack motivation to buy homes—they lack confidence in who to trust for guidance.Financial literacy is missing.A large percentage of Millennials and Gen Z never received meaningful education about mortgages or homeownership before entering the housing market.Education builds business.Mortgage professionals who lead with clear, simple financial education can build stronger relationships and long-term referral networks.Advocacy matters.Loan officers who engage in housing policy conversations can help ensure lawmakers understand the real barriers borrowers face. Sign up here: https://www.firsthomeiq.com/mbaadvocacy About the GuestKristin Messerli is the Executive Director of FirstHome IQ, a nonprofit focused on improving financial literacy and empowering the next generation of homebuyers. She is widely recognized for her research on Millennial and Gen Z homebuyer behavior and works with lenders and industry leaders to rebuild trust through education and community engagement.Connect With Laugh, Lend & EatFollow the show for more conversations with leaders across mortgage, real estate, and financial services who are shaping the future of the industry.

Episode 630 Schedule a one on one free coaching call, click here or visit LoanOfficerStrategyCall.com. Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl White sits down with Kevin Gillespie to talk about two powerful but often overlooked lead sources that many loan officers completely ignore: builders and real estate investors. Together they explain why these two niches can represent 20 to 30 percent of your local market and how most loan officers unintentionally eliminate a huge portion of opportunity simply because they assume the business is already "locked up." Kevin shares practical strategies for breaking into builder relationships, even when the builder already has an in-house mortgage company. They discuss how loan officers can get their foot in the door with unique loan programs, strong communication, and reliable pre-approvals that builders can trust to actually close. You will also hear why just one builder relationship can produce dozens of loans over time. The conversation then shifts to investor business, where Carl and Kevin break down why investors think completely differently from traditional homebuyers. They cover how investors evaluate deals based on cash flow, leverage, and long term growth, and how loan officers who understand these conversations can quickly separate themselves from the competition. You will also learn how investor groups, real estate agents, CPAs, and insurance agents can all become strong referral sources for investor clients, and why one investor relationship can often lead to multiple deals every year. If you are looking to add new "arrows to your quiver" and build more consistent deal flow, this episode will give you practical ideas for tapping into two large segments of the market that many loan officers overlook. If you are a branch manager or owner who wants help building a predictable system for generating more business from builders and investors, learn more at ProfitDrivenPlan.com.

Nathan and Ben react to WashU offering a new institutional loan to help students cover tuition beyond federal loan limits. They argue that chasing a prestigious name isn't worth it if you have to borrow heavily to get there.Also in this episode:- Ben and Nathan roast a poorly written Wall Street Journal headline- Whether highlighting and note-taking actually helps on the LSAT- An engineering grad considers switching to lawStudy with our Free Plan⁠⁠Download our iOS app⁠Watch Episode 549 on YouTubeCheck out all of our “What's the Deal With” segmentsGet caught up with our ⁠Word of the Week⁠⁠ library0:00 Wall Street Journal Headline 3:29 Extremely Confused14:34 Loan from WashU25:27 Highlighting on the LSAT27:20 Test D Question — Nonprofit Leaders38:05 Career Change as an Engineer50:07 A Few More Points on Your GPA57:26 January Score Hold1:09:51 Word of the week — suzerain

Book your free consultation call with Robert Sikes to break through your Keto or low carb plateau here: https://www.ketobodybuilding.com/callBuilding a real legacy has nothing to do with overnight success and everything to do with a decade of relentless, unseen work. In episode 865 of the Savage Perspective Podcast, host Robert Sikes sits down with Cory Gregory, a fitness icon who went from being a fourth generation coal miner to a world renowned entrepreneur and brand builder without ever taking steroids. Cory shares his powerful story about developing extreme discipline, the value of consistency, and building a successful fitness business from the ground up through word of mouth. Learn the mindset required to stay natural in the fitness industry, the importance of family, and how to apply a blue collar work ethic to create a life and business you are proud of. This conversation is a masterclass in playing the long game to achieve lasting fulfillment.Follow Cory on IG: https://www.instagram.com/corygfitnessGet Keto Brick: https://www.ketobrick.com/Subscribe to the podcast: https://open.spotify.com/show/42cjJssghqD01bdWBxRYEg?si=1XYKmPXmR4eKw2O9gGCEuQChapters0:00 - The Simple Trait That Beats Raw Talent Every Time0:43 - Meet Cory Gregory: From Coal Miner to Fitness Icon1:52 - How I Bought & Developed a Private Island in Ohio5:21 - Building a Legacy: A Blue-Collar Work Ethic & an Abraham Lincoln Quote7:10 - The Entrepreneurial Path: From a $4,000 Loan to a 7-Figure Business11:02 - Building a Brand Before Social Media & The 10-Year Grind14:15 - The MusclePharm Years: Working with Arnold Schwarzenegger & Tiger Woods16:23 - Redefining Success & The Power of Compounding Efforts17:32 - Why Natural Bodybuilding is a Cheat Code for Life20:46 - The Undeniable Power of a Disciplined Morning Routine22:06 - The Long Game: How to Get Drug-Like Results Without Taking Drugs25:56 - How the Internet Exploded My Career (And Was I Ready?)29:04 - A Quick Message From The Host30:42 - My Strategy If I Had to Start Over in Today's World33:05 - The "Pack a Lunch" Mentality & The Myth of Work-Life Balance38:05 - How Fatherhood Fueled My Drive & Taught Me to Never Have a "Plan B"43:46 - How Extreme Discipline Makes Your Intuition Louder46:01 - The #1 Reason You Should Train First Thing in the Morning49:03 - Is It Healthy to Stay Lean Year-Round? A Veteran's Perspective50:17 - Why I've Stayed Natural in the Age of TRT & Peptides53:59 - The Problem with Dishonest Fitness Influencers57:52 - The Truth: Fitness Success is Simple, Not Easy1:00:13 - What's Next? Building a Community That Makes a Real Impact1:04:18 - Where to Find Cory Gregory & Access Muscle Island

In this episode you will hear: Mark shares 10 Speakpike messages from listeners and he has a little commentary on each message Interview-Student Athlete Advisors-Part 2 of 4 o Amy discusses how a player can find out the level that they can play at o Joe talks about how much you can learn from studying the rosters of the students o Reid talks about the best way to reach out to colleges once you know you are interested in them o Reid talks about the importance of video and the importance of having an effective call to action in your outreach o Katie talks about using social media to reach out and she talks about how to tell if a coach is serious about you o Katie talks about the importance of follow-up o Joe talks about which coaches you should read about o Joe gives his view on athletic resumes o 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/ 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/

In this episode of The Loan Officer Podcast, host Dustin Owen welcomes Nick Mundorf, an account executive with eLend hailing from Cedar Rapids, Iowa. Nick is in Orlando for his daughter's volleyball tournament, and he takes the opportunity to join Dustin in the studio for a candid and uplifting conversation. Nick opens up about his inspiring personal journey, detailing how he has overcome the challenges of living with diabetes and how he has made fitness a central part of his life. His motivation stems from the memory of loved ones he has lost, as well as those who continue to battle health issues, fueling his determination to stay healthy and strong. During the episode, Dustin and Nick delve into the significance of their matching “FTWC” (“For Those Who Can't”) bracelets, sharing the powerful message behind the motto and how it serves as a daily reminder to persevere—not just for themselves, but in honor of those who are unable to do so. They explore the importance of resilience, the value of pushing through adversity, and the lessons learned from overcoming setbacks, both in personal life and in the competitive world of business. Their discussion highlights practical strategies for staying motivated, setting goals, and maintaining a positive mindset even when faced with obstacles. Producer Karina Mojica joins the conversation, bringing her unique perspective and adding both insightful commentary and humor throughout the episode. Her contributions help to create a dynamic and engaging atmosphere, making the discussion relatable and enjoyable for listeners. Together, the trio offers valuable advice, heartfelt stories, and plenty of laughs, making this episode a must-listen for anyone seeking inspiration and practical tips for overcoming life's challenges.   Loan officer looking for a new place to call home?

After Megan McGee pivoted her search fund to a self-funded approach, she bought a business where she wanted to settle.Register for the webinars:  From Owner to Owner: Business Transition Lessons - Thu March 12 - https://bit.ly/4ctCJCwTopics in Megan's interview:Family background in pest controlInternship with previous guest Edward McDonnellStarting out in traditional searchInvestors declined to support a deal she lovedPivoting to self-funded searchDeciding not to buy her dad's businessBuying Virginia Guesthouses without an SBA loanBuying from a young sellerManaging 75 propertiesHer profitable first yearReferences and how to contact Megan:LinkedInTato Corcoran's recap episode: How to 4x a Small ManufacturerEdward McDonnell on Acquiring Minds: Taking a Single-City Acquisition NationwideMatt Orley on Acquiring Minds: Buying for Brand (Then Growing 4x)GuesthousesGet a free review of your books & financial ops from System Six (a $500 value):Book a call with Tim or hello@systemsix.com and mention Acquiring MindsDownload the New CEO's Guide to Human Resources from Aspen HR:From this page or contact jenny@aspenhr.comGet complimentary due diligence on your acquisition's insurance & benefits program:Oberle Risk Strategies - Search Fund TeamConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

Steven Railston and Jack Flintham discuss Manchester United's loan players and take a look at the academy's jewel in the crown - JJ Gabriel.

Từ Tehran đến Đài Bắc, những vòng xoáy xung đột tại Iran và chiến dịch tại Venezuela đang vẽ lại toàn diện bản đồ địa chính trị thế giới. Khi Ngũ Giác Đài gia tăng áp lực quân sự, chuỗi cung ứng năng lượng và mạng lưới ảnh hưởng của Bắc Kinh bị lung lay dữ dội. Liệu sự thất thế của các dòng vũ khí Trung Quốc tại thực địa và thế bế tắc chiến lược hiện nay sẽ định hình lại tham vọng thống nhất Đài Loan như thế nào? Cùng Xuân Ngọc và Nguyễn Tuân phân tích những hệ lụy dài hạn này.

Featured on WGN Radio's “Home Sweet Home Chicago” on 03/07/2026: Bob Schmitt of The Junkluggers joins the show to inform WGN Radio listeners about different types of decluttering. Plus, he talks about how they work with charities to donate your items. To learn more about what The Junkluggers can do for you, go to www.junkluggers.com or give […]

Featured on WGN Radio's “Home Sweet Home Chicago” on 03/07/2026: IRS tax attorney Steven A. Leahy of the Law Office of Steven A. Leahy, PC, with Opem Tax Advocates, joins the program to discuss what every season business owner should know about a single-member LLC. Go to fightbacknow.com or call 312-664-6649.

Featured on WGN Radio's Home Sweet Home Chicago on 03/07/26: Center Guard Plumbing's Mike Epping joins the show to discuss water heater installations and their sale that runs until the end of March. To learn more about what Center Guard Plumbing can do for you, go to wgnplumber.com or call 847-406-8883.

This week on Home Sweet Home Chicago, David Hochberg is joined by Mike Epping of Center Guard Plumbing to discuss water heater installations and sewer excavations. Bob Schmitt of Junkluggers joins to discuss methods for decluttering your home just in time for warmer weather. Then, IRS tax attorney Steven A. Leahy of the Law Office of […]

In this episode of "The DO Show," mortgage expert Dustin Owen takes a deep dive into the concept of home equity, thoroughly explaining what it is, how it accumulates over time, and why it is such a valuable asset for homeowners. He breaks down the various ways in which home equity can build, such as through regular mortgage payments, property value appreciation, and home improvements, helping listeners understand the mechanics behind growing their wealth through real estate ownership. Dustin then explores the financial tools available to homeowners who wish to access their home equity, focusing specifically on Home Equity Lines of Credit (HELOCs) and Home Equity Loans. He provides a detailed comparison of these two options, outlining how each works, their respective advantages and disadvantages, and the scenarios in which one might be more appropriate than the other. He also discusses the potential risks involved, such as fluctuating interest rates with HELOCs or the possibility of overleveraging, and stresses the importance of understanding the terms and conditions before proceeding. Throughout the episode, Dustin emphasizes the critical role of education and professional guidance when making decisions about leveraging home equity. He draws important lessons from the 2008 financial crisis, illustrating how misuse or misunderstanding of home equity products contributed to widespread financial hardship for many families. By sharing these insights, Dustin encourages listeners to approach home equity with caution and to seek advice from trusted mortgage professionals. Ultimately, Dustin's message is clear: when used responsibly and strategically, home equity can be a powerful tool for building long-term wealth, funding major expenses, or investing in new opportunities. However, he cautions that irresponsible use or lack of knowledge can quickly turn this asset into a liability, leading to financial stress or even loss of one's home. He urges listeners to educate themselves, consult with experts, and make informed choices to ensure that leveraging home equity serves as a benefit rather than a burden. The Moment Homeowners Realize Home Equity (00:00:00) America's Record Home Equity & Its Uses (00:01:14) Episode Introduction & Focus (00:02:26) Host Introduction & Background (00:03:05) Defining Home Equity (00:03:58) Home Equity as Illiquid Wealth (00:05:00) HELOCs: Structure and Features (00:06:05) Home Equity Loans: Structure and Features (00:08:20) Risks and Historical Misuse of Home Equity (00:09:31) Smart Uses for Home Equity (00:10:44) The Importance of Education and Guidance (00:11:59) Encouragement to Seek Professional Help (00:13:06) Episode Conclusion & Call to Action (00:14:22) Let our team connect you with a Real Estate Expert local to you! https://tloponline.com/real-estate-help/ 

What if 10 loans a month — not 30 — was actually the goal? Sam Abazari has coached over 120 loan officers. His LOs average doubling their business every three months. His top producer closes 30 loans a month. And his branch does $250 million a year. But his argument? The sweet spot is 10 loans a month, one assistant, 25-35 hours a week, and 200-300 bps margin. That's the formula for financial freedom, time freedom, and mental bandwidth — all three at once. In this episode of Mortgage Marketing Radio, Sam fills in for Geoff Zimpfer (who is battling cancer and asked his friends to keep the show going) and delivers a complete, step-by-step operating system for loan officers who want to build a business that works — without working themselves into the ground. Connect With Sam On LinkedIn: https://www.linkedin.com/in/samabazari/ Join Sam's Skool Community: https://www.skool.com/level-up-lo/about?ref=699a37257d224cf5b321e24964b6be64

In today's Banking With Life Q&A, James answers questions such as, “Do life insurance companies have exposure to private equity firms?”, “What would happen to life insurance companies if the U.S. Treasury revalued gold reserves?”, and “Can financial calculators actually prove that dividends are higher on the base policy than on PUAs?” As always, we hope you enjoy and thank you for listening!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client! ➫ www.bankingwithlife.com/how-to-fast-t…ur-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here: ➫ www.bankingwithlife.com/product/the-5…ecorded-live/ (Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking... ➫ www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here: ➫ www.bankingwithlife.com/product/becom…pecial-offer/━━━Learn more about James Neathery here: ➫ bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts: ➫ podcasts.apple.com/us/podcast/bank…st/id1451730017Listen on your Android through Stitcher: ➫ www.stitcher.com/podcast/bank...Listen on Soundcloud: ➫ @banking-with-life-podcast━━━Follow us on Facebook: ➳ www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we go through trending loan volume data in the residential mortgage industry. Plus, Robbie sits down with FICO's Julie May for a discussion on how lender risk behavior is evolving, what is driving the growing adoption of trended data, and how new distribution models could reshape credit scoring across the mortgage industry. And we close by looking at the evolving expectations for the rate path from the Federal Reserve.This week's podcasts are sponsored by Feewise, which turns mortgage compliance from bottleneck to business accelerator. Handle all the complexities involved with establishing TRID compliant fees and disclosures, achieve sign off, and deliver packages to your consumers for review or signature.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3479: Andrew breaks down the key requirements and limitations borrowers need to understand before pursuing this government-backed mortgage option. From credit score thresholds and debt-to-income ratios to property standards and mortgage insurance premiums, he clarifies who qualifies, and what could stand in the way. It's a practical guide for first-time buyers who want to weigh the benefits against the potential drawbacks before making a move. Read along with the original article(s) here: https://www.dollarafterdollar.com/who-is-eligible-for-an-fha-loan/ Quotes to ponder: "The FHA loan is a type of mortgage that is insured by the Federal Housing Administration." "FHA loans are not for vacation properties or investment homes." "The minimum property standards that are enacted by the FHA home loan is meant to provide protection to the borrower from purchasing any property that is in disrepair and could be dangerous to live in." Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode you will hear: (03:34) In Our Question from a Listener-Hilary joins Mark to answer a question from an anonymous mom who wants to know how can I tell if a college has a commuter school culture. (24:01) Mark interviews Stephen Burd, senior writer and researcher about his latest article that appears at newamerica.org on the topic of 41 colleges that are saddling a high percentage of low- income students with Parent PLUS loans-Part 2 of 3 Part 2 v Stephen elaborates on the Parent Plus loans v Stephen discusses if non-need best aid or merit money is appropriate for schools to give out v Stephen explains how the Wall Street Journal inspired him to do more research v Stephen and I discuss how the vicious cycle and how things have changed a lot (40:57) College Spotlight-Susan Tree joins Mark Stucker to interview Kelly Walter, Associate Vice President for Enrollment and Dean of Admissions at Boston University Ø Kelly and Susan share how they met Ø Kelly shares the various roles in admissions she has had and she shares why she has done admissions for 5 decades Ø Kelly shares how Boston University's Methodist roots and its history as a Bible institute originally impacts BU to this day Ø Kelly explains many areas where BU was the first university in the country to accomplish something Ø Kelly explains how BU is different from the other 40 universities in the country Ø Kelly tells us how a student applies to BU if they do not know what they want to major in? Ø Kelly tells us what the BU Hub is and what the BU cross-college challenge is? 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/

AAHOA heads to Philadelphia for #AAHOACON26, and this year's theme stays dead simple: protect and advance profitability. Suzanne Bagnera, PhD, CHA, CED co-hosts #NOVacancyNews with me, and we talk with Laura Lee Blake (President & CEO, AAHOA) about what she wants owners focused on right now—and why this conference keeps growing. 

In this episode of Status Check with Spivey, we take questions from Reddit! Mike Spivey, Mike Burns, and Anna Hicks-Jaco discuss just how slow this cycle is (10:19) and how that might impact late-cycle applicants (6:47), why law schools place applicants on “holds” (1:23), decision timelines and how/why they vary (4:23), advice for scholarship reconsideration (11:20), whether schools rescind admits or scholarships if you ask for more money (13:31), how the new student loan caps might impact your request for scholarship reconsideration (14:00), whether you should email a school if you haven't heard from them since you applied early in the cycle (23:44) and whether they might have forgotten about your application (24:44), predictions for next cycle (19:31) and waitlist season this cycle (15:00), the cannonball strategy of law school waitlists (25:50), how important softs are and whether “soft tiers” are admissions pseudoscience (27:48), essays about institutional injustice and how to avoid coming off overly negative in a way that could harm your chances (34:36), advice for becoming an admissions officer (37:40), and more.Resources mentioned in this episode:Blog Post: What happens to your application once it's submitted to law schools, and why do some applicants get decisions faster than others?TikTok: Why do some applicants get decisions back more quickly than others?Podcast: Advice & Tips for Law School Scholarship NegotiationYouTube Short: Common Scholarship Negotiation MistakesPodcast: Law School Waitlist Deep DiveYou can listen and subscribe to Status Check with Spivey on ⁠⁠Apple Podcasts⁠⁠, ⁠⁠Spotify⁠⁠, and ⁠⁠YouTube⁠⁠. You can read a full transcript of this episode with timestamps here.

The newly released Epstein-related documents highlighted a major financial transaction involving billionaire Leon Black, revealing that he secured a $484 million loan from Bank of America backed by works of art. The loan, documented in materials connected to the Epstein files, used high-value paintings by artists such as Picasso, Giacometti, Titian, and Matisse as collateral. While the size of the loan drew attention because of its connection to the Epstein documents, art-backed lending itself is a common practice among ultra-wealthy collectors. These loans allow wealthy individuals to unlock liquidity from valuable art collections without having to sell the works, often at relatively low interest rates due to the borrower's overall wealth and the value of the collateral.The report also highlighted the rapid growth of the art-lending industry, which is estimated to be worth between $38 billion and $45 billion globally and is expected to exceed $50 billion by 2028. Wealthy collectors frequently borrow against artwork to fund investments, acquire additional art, or access cash while avoiding the significant tax consequences that come with selling pieces. Auction houses such as Sotheby's Financial Services, along with specialty lenders and private banks, dominate much of this market. Because selling art can trigger capital-gains taxes of more than 30%, borrowing against art has become an attractive financial strategy for collectors who want liquidity while continuing to hold and display their valuable pieces.to contact me:bobbycapucci@protonmail.comsource:Epstein files highlight how the wealthy borrow against art collections

What happens when you invest through the dot-com crash, 9/11, the Great Financial Crisis, COVID — and today's uncertainty? In this episode of The Real Wealth Show, Kathy Fettke sits down with Dwight Dunton to unpack 25 years of multifamily investing experience and the lessons that helped him survive every major market cycle. They break down why long-term, fixed-rate debt matters more than ever, how non-recourse loans can protect your personal asset, and why so many investors get wiped out at the bottom of the cycle. Dwight also explains what really happened to multifamily cap rates, which markets were hit hardest by oversupply, and where opportunity may be emerging now. If you're an investor who wants to build wealth slowly and avoid costly debt mistakes, this episode is a must-listen.

Welcome to Barn Talk! In this episode, Tork and Sawyer bring the heat with their Hot Topics round-up, tackling everything from the realities in today's AG economy to the latest political buzz and cultural shifts. They dig into the newest farm bill, the struggles with rising input costs, and the truth behind government bailout checks. You'll also hear their unfiltered takes on John Deere's big equipment reveal, the ongoing consolidation of dealerships, and how automation is shaking up rural life.Plus, stick around for market updates, the “Sawyer Spotlight” covering everything from podcast recommendations to the wild world of dating in 2026, and a taste test in the return of the Whiskey Minute. If you want honest, working-class Midwest opinions on what's really happening in agriculture and beyond, this is the episode you can't miss.SUBSCRIBE TO THE PODCAST ➱ https://bit.ly/3a7r3nR  SUBSCRIBE TO THIS'LL DO FARM ➱ https://bit.ly/2X8g45cLISTEN ON:SPOTIFY ➱ https://open.spotify.com/show/3icVr4KWq4eUDl7Oy60YMY APPLE ➱ https://podcasts.apple.com/us/podcast/barn-talk/id1574395049Follow Behind The Scenes