Podcasts about loans

In this video, Caleb Guilliams and Alden Armstrong review infinite banking with One America Life Insurance Company. What are the best policy designs for Infinite Banking, as well as breaking down the company's COMDEX ratings, dividend performance, pros and cons, and more! Want the IBC Company Guide Book? Click Here: https://bttr.ly/ibc-guide Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Learn More About BetterWealth: https://betterwealth.com 00:00 Introduction and Company Overview 02:35 Financial Strength and Performance 06:33 One America Positioning for IBC 08:52 Whole Life 95 - Cash Flow Design 15:45 Whole Life 95 - Front Load Design 21:03 Access to Cash Value and Loans 22:45 PUA Flexibility 25:51 Long-Term Care Rider 27:26 Advantages and Considerations 32:28 Agent Overview 34:29 Conclusion ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

In this episode of The DO Show, Dustin Owen shares hard-earned insights on intentionally scaling a loan origination business. Drawing from over 20 years of hands-on experience in the mortgage industry, he explains why crucial mindset shifts, operational thinking, clear processes, thorough documentation, and disciplined use of time are essential for achieving sustainable, long-term growth. Owen challenges common misconceptions about what it takes to expand a business, warning against the pitfalls of relying solely on personal effort or charisma to drive results. Instead, he emphasizes the necessity of building robust systems and repeatable frameworks that enable true scalability, allowing a business to thrive even as it grows beyond the capacity of any single individual.   Throughout the episode, Owen stresses the importance of gaining clarity on goals and objectives, tracking key metrics to measure progress, and exercising patience as new strategies and systems take root. He offers practical, actionable strategies for loan originators who are ready to move from being reactive producers—constantly putting out fires and chasing deals—to proactive business owners who lead with intention and purpose. By sharing real-world examples and lessons learned from his own journey, Owen provides listeners with a roadmap for transforming their approach to business, empowering them to build organizations that are not only more efficient and profitable, but also more resilient and adaptable in a changing market.   Let our team connect you with a Real Estate Expert local to you! https://tloponline.com/real-estate-help/   Subscribe: ‪‪@TLOPentertainment‬

In this episode, Stephan Livera discusses with Jay & Matt the evolution of Lygos Finance, a company formed from the acquisition of Atomic Finance, focusing on decentralized lending using Discreet Log Contracts (DLCs). The conversation explores the growth of the Bitcoin collateralized lending market, the unique position of Lygos in offering non-custodial loans, and the role of Oracles in determining loan outcomes. The hosts delve into the flexible loan terms and competitive interest rates offered by Lygos, as well as the platform's global reach and future developments in user experience and funding mechanisms.Takeaways:

In this episode you will hear: (02:48) In the News-Hilary and Kate join Mark to discuss an article that appears in USA Today that asks the question, "Are parent Facebook groups helpful or toxic"? Rachel Hale is the author of the article, which is entitled: "College, parent Facebook groups and when helicopter parenting goes too far" Part 3 of 3 (23:50) Mark interviews Elliot Felix, author of the book, 'the Connected College" o Elliot shares how his background has impacted the work he does today, helping colleges strategize to design campuses that produce the best learning o Elliot new book is called, "The Connected College" and he tells us "what a Connected College Is" o Elliot talks about what makes a great strategic plan and what are the flaws of so many strategic plans that are prevalent o Elliot explains how he gleaned his knowledge about what makes a Connected College (45:00) College Spotlight-Daniela Uribe and Summer Cobb Tell us What Penn is like for students. ¨ We take a look at the University of Pennsylvania by listening to one current Penn student and one recent college graduate ¨ Summer and Daniela share their background ¨ Daniela and Summer share what they feel are the best things about the University of Pennsylvania ¨ Summer and Daniela share what they would change if they could change anything about the University of Pennsylvania ¨ Daniela gives her best advice for students, and I want every parent to get their student to listen to what Daniela says ¨ Summer gives us an overview of the four different colleges 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/

Have you ever been offered financial help that sounds generous… but you're worried if it comes with strings attached. This week’s Friday Drinks dives into one of those emotionally loaded money decisions: whether to let your parents go guarantor so you can get into the property market sooner, when you’re already worried about boundaries and control. We unpack what a guarantor loan really means (and what it doesn’t), why the 20% deposit rule isn’t as rigid as people think, and how to weigh financial opportunity against mental health. Then we answer a dilemma from a community member that needs surgery that needs to be privately funded, so we put all her options on the table from taking the money out of super to upping her private health and even whether it's something you can get a loan for.... with the pros and cons to consider for each of course. Add in money wins, broke tips, and a very honest chat about how we actually manage work life balance, and this ep is the perfect mis clarity, validation, and plenty of Friday chaos. Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here.NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

Alright, everybody! Scott Carson here, ready to dive into a unique opportunity that just landed on my desk: a new list of 50 "early buyout" notes! These aren't just any non-performing notes; they come with detailed servicing notes from the original lender outlining their attempts to get borrowers back on track, from trial payment plans to FHA loan modifications. It's like getting a cheat sheet for understanding the borrower's journey!Many of you know I love first-lien non-performing notes, and this batch offers a fascinating peek into institutional lenders trying to clear their books. This isn't about guessing; it's about reading the "tea leaves" (or servicing notes!) to uncover hidden value. We'll explore what makes these notes special, how to evaluate their potential, and why understanding these lender workouts can give you a significant edge in 2026.Here's your roadmap to navigating this unique batch of notes:The "Early Buyout" Advantage: This exclusive list contains 50 institutional first-lien notes (heavy on TX, NY, VA, CA!) ranging from $50K-$489K balances. What's unique? They come with detailed lender servicing notes outlining trial payment plans and workout efforts, offering unparalleled insight into borrower behavior.Decoding Lender Workout Notes: Learn to interpret lender comments like "FHA 40-year loan mod at 6.5% approved" or "repayment forbearance plan set zero due." These tell you the original lender's strategy, but you need to verify if the borrower actually made the payments or if it's just a plan on paper!Strategic Pricing for Pre-Negotiated Terms: The challenge? Some of these might be priced as reperforming if a plan is "approved," even if payments haven't started. We discuss how to calculate your desired ROI (e.g., 12-15% cash-on-cash) based on the actual anticipated P&I, ensuring the deal isn't "too skinny" once your money costs and servicing fees are factored in.Beyond the Spreadsheet: Critical Due Diligence: The notes reveal crucial details like "subject property in need of significant repairs" or that a payment was made, resetting the foreclosure clock. We emphasize going beyond numbers to check property condition (online photos, street view) and understanding local demographics (e.g., a small town like Idalou, TX) to gauge market viability.Making Informed Offers & Avoiding Pitfalls: With bids due soon, understanding how to make competitive offers is key. We cover calculating bid ranges based on confirmed payment status versus "approved" plans. Learn to account for actual legal balances versus stated UPB, and why making a clear, well-justified bid is always better than guessing.This is a phenomenal opportunity to cherry-pick from a fresh list of distressed notes. Don't be fooled by "approved" plans; dig deep into the servicing notes, crunch your numbers, and ensure your desired ROI is achievable. With smart analysis, these "early buyouts" can translate into significant profits, whether through reperforming cash flow or strategic foreclosure. If you want to make an offer, do your homework, because bids are due Wednesday! Go out, take some action, and we'll see you at the top!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds. Don't keep up when true inflation eats six or 7% of your wealth. Every single year I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or GRE, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989,   Keith Weinhold  33:19   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com   

In this episode you will hear: Jennifer Mandel, a college counselor with Mark at School Match 4U, joins Mark to discuss her thoughts on whether Parent College Facebook groups are helpful or toxic? Jen has been involved in three different groups, at three different colleges in three different states. Peter Pitts interview-Part 3 of 3 · Peter highlights overlooked benefits of small colleges. ¨ I ask Peter what a student should do if they visit a college and they link it is too small. ¨ Peter and I discuss how size can't only be judged by the number of students ¨ Peter shares one thing he wants listeners to know that we haven't discussed very much ¨ Peter goes on the hotseat ¨ After the interview I think of an important question, so I email Peter and he responds, the question is one I am sometimes asked by parents-What do I say to the parent who says to me, I don't want my student to go through the rest of their lives explaining to people where they went to college because no one has heard of it-you have to hear how Peter answers this question 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, Dylan Silver welcomes Alan Mack, founder of Mack Financial Services, who brings over 30 years of experience in the mortgage industry, particularly focusing on high net worth individuals. Alan shares insights on the current mortgage landscape, emphasizing the importance of pre-approval for first-time homebuyers and the unique challenges faced by affluent clients seeking loans for luxury properties. He discusses the impact of rising interest rates on the market and how his advisory firm has adapted to meet the needs of clients in the luxury sector, providing tailored solutions that go beyond traditional banking practices.   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   —--------------------

Everitt and Ashworth examine Queen Boudica's revolt in Britain, triggered by Roman financial extortion including Seneca's called-in loans, which nearly caused Nero to abandon the province before imperial prestige prevailed.1550 ROME

This week we're talking Season 2, Episode 3: “Ebenezer Sprague,” the episode that asks the timeless question: What if Scrooge ran a frontier bank? Walnut Grove finally gets a bank, and everyone's excited—until the new banker arrives and immediately says “no” to literally everyone. Loans? No. Hope? No. Smiles? Absolutely not.Enter Laura, who goes fishing and accidentally becomes the only human Ebenezer Sprague doesn't hate. With no financial agenda and zero awareness of adult boundaries, Laura chips away at his icy exterior. Progress! But then Pa applies for a loan, and Sprague jumps to the wild conclusion that Laura has been running a long con. (Because yes, Laura Ingalls: criminal mastermind.)Laura is crushed, Sprague is grumpy, Pa looks ridiculously hot in long johns, and everyone learns a valuable lesson about trust, cynicism, and why you should maybe not accuse a child of emotional manipulation. It's the epitome of what Little House is all about. We laugh, we sigh, and we marvel at how Little House made frontier banking dramatic—and somehow still heartwarming.Then, join us on Patreon where we talk about a very important subject: Teeth! Yes. I said TEETH.Links and Resources:Haven't signed up for Patreon yet? Get more behind the scenes info and fun conversation we can't do on the podcast...PATREON: https://www.patreon.com/LittleHousePodcastwww.LittleHouse50Podcast.com to connect with our hosts and link to their websites.www.LivinOnaPrairieTV.com  Check out the award-winning series created by Pamela Bob, with special guest stars Alison Arngrim and Charlotte Stewart.Prairie Legacy Productions - the place to go for info about all new Little House events!To learn more about Little House on the Prairie, Visit www.littlehouseontheprairie.comFacebook/Instagram/TikTok:Dean Butler @officialdeanbutlerAlison Arngrim @alisonarngrimPamela Bob @thepamelabob, @prairietvSocial Media Team: Joy Correa and Christine Nunez https://www.paclanticcreative.com/Producer: Tony Sweetwww.ubngo.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/little-house-on-the-prairie-50th-anniversary-podcast--6055242/support.

In this episode, Scott Ward and Tom Ulrich break down the key differences between DSCR loans and traditional mortgages, and why choosing the wrong one can slow down or completely stall your deal. They explain how DSCR loans are evaluated based on property cash flow instead of personal income, what lenders actually care about during underwriting, and where investors get tripped up when they assume the process is “easier.” You'll hear real-world examples, common mistakes to avoid, and practical guidance on when a DSCR loan makes sense versus a conventional mortgage. If you're investing in real estate or planning to scale, this episode helps you approach financing with clarity and confidence.

The Moneywise Radio Show and Podcast Thursday, January 29th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Cherese Grell, President & CEO at Positive Results Unlimited, Inc. website: https://cityservenetwork.com/bakersfield/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Cherese Grell and her company are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

Sats Terminal is the first native Bitcoin super app, bringing together Bitcoin loans, yield, and trading in a single interface and developer SDK. Sats Terminal is backed by YZi Labs (formerly Binance Labs), Coinbase Ventures, and Draper Associates.The founders of Sats Terminal recently joined the Bitcoin.com News Podcast to talk about the technology.Stan Havryliuk (CEO and Co-Founder) and Rishabh Java (CTO and Co-Founder) of Sats Terminal shared their journey, starting with their backgrounds in crypto and fintech. Stan had previous experience with Bitcoin.com and running a large Eastern European exchange, while Java had built and sold a fintech company, finding crypto to be a more open building environment. The inspiration for Sats Terminal stemmed from a highly problematic user experience Stan encountered while trading BRC20s, which resulted in him overpaying significantly for a single token. This incident highlighted a clear need for good, user-friendly interfaces in the growing Bitcoin DeFi market to encourage wider adoption. The two founders met online while working on a previous project and formalized their partnership after meeting in person in Buenos Aires.The company secured notable financial backing from major investors. Java's connection to Coinbase Ventures was established after winning an AI agent hackathon at their San Francisco office, which led to a successful pitch. Stan described how they were quickly accepted into the YZi Labs (aka Binance Labs) accelerator program after applying shortly before the deadline on a friend's recommendation, benefiting from a good product growth trajectory at the time. They also received early backing from the Draper family of VCs, including Draper Associates, Draper Dragon, and Boost VC. Stan's key advice for aspiring startups seeking funding is to "just keep building" and iterating fast, emphasizing that consistency compounds into success, alongside networking and participating in hackathons.Java elaborated on the evolution of native Bitcoin assets, moving from Ordinals to BRC20s and then to the improved Runes standard. He reported that Sats Terminal has already captured approximately 70% of the market share for trading Runes, showcasing their success in the ecosystem. They also acknowledged that the Bitcoin ecosystem's complexity, due to the lack of a central authority, means the market will ultimately decide which token standard becomes the long-term winner.The core of Sats Terminal's vision is encapsulated in their motto: "never sell your Bitcoin," but instead to make it work through products like trading, earning, and borrowing. Stan highlighted their belief that Bitcoin is the "only pristine collateral for loans," and their products are laying the groundwork for Bitcoin's transition from "digital gold" to a "productive asset." Java detailed their Borrow product as a self-custody, trust-minimized cross-chain loan solution where users can collateralize their Bitcoin for a loan without KYC. Stan announced that the first version of the Earn product, designed to simplify DeFi complexity for end-users, is being finalized and expected to go live in the next few weeks.Stan Havryliuk, CEO and Co-Founder of Sats Terminal, early Bitcoin investor and Web3 veteran with over eight years of experience scaling crypto businesses worldwide. Ex-Bitcoin.com and zondacrypto.com (BitBay.com).Rishabh Java, CTO and Co-Founder of Sats Terminal, serial entrepreneur, inventor, and Bitcoin builder with a proven track record of creating great technologies. Winner of 50 international hackathons, awarded by Steve Wozniak at 15 for BCI tech and exited Web2 startup at 21.To learn more about the project visit the website, and follow the team on X.

Am I the Jerk? is the show where you can confess your deepest darkest secrets and be part of the conversation.

This bonus episode features Caeli Ridge from Ridge Lending Group, breaking down what's happening right now with DSCR loans and why they're getting so much attention from rental property investors.Caeli explains how DSCR loan rates have been coming down and are now very close to Fannie Mae and Freddie Mac rates. We talk about why DSCR loans are often simpler than conventional mortgages, how they qualify based on the deal instead of the investor's personal income, and why that makes them especially attractive for investors.We also discuss how increased competition from DSCR lenders has pushed Fannie and Freddie to lower their down payment requirements. Single-family rental properties now require as little as 15 percent down. Caeli also walks through the documentation needed for conventional loans and what credit scores lenders are looking for.Listen in on a coaching call with Caeli and a client:  https://rentalincomepodcast.com/bonus-tinaContact Caeli:Websiteinfo@ridgelendinggroup.com1-855-747-4343

In this episode you will hear: (04:08) In the News-Hilary and Kate join Mark to discuss an article that appears in USA Today that asks the question, "Are parent Facebook groups helpful or toxic"? Rachel Hale is the author of the article, which is entitled: "College, parent Facebook groups and when helicopter parenting goes too far" (27:35) Mark interviews Lisa and Lynda about their new book, "The Calm College Method "Part 2 of 2 v Lynda explains who the book is good for v Lisa and I talk about the practicality of the book, and I share some of the audience that I feel will be great for the book v Lisa talks about the structure of the book, and how the book really answers the questions people have through checklists and worksheets v Lisa and Lynda talk about their chapter in the book on AI in college admissions v Lisa explains what a successful college search looks like and she shares the single thing that is the most important thing to her when working with a student v Lisa and Lynda share what they feel is the number one take away from the book and I share my number one take away from the book v Lisa talks about one thing that families can do to reduce student stress v Lisa talk about the three ways listeners can get the book (47:29) College Spotlight-Susan Brisson-Olin College of Engineering Preview of Part 3 ¨ Susan tells us how demanding Olin in terms of intensity ¨ Susan tells us the role major plays in the admission process, and she tells us some of the main majors Olin is known for ¨ Susan explains why they are so confident they will remain test-optional ¨ Susan shares how Olin looks at AP test scores in their academic evaluation ¨ Susan explains how they look at students who come in with design or engineering experience ¨ Susan discusses study abroad, research opportunities and scholarships at Olin 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 of the Real Estate Pros podcast, host Micah Johnson welcomes Rolando Nandin, a seasoned mortgage professional with over 15 years of experience in the industry. Rolando shares his journey from software sales to mortgage underwriting, highlighting the importance of understanding the intricacies of lending and how it shapes his approach to customer service. He emphasizes the need for clear communication with clients, breaking down complex legal jargon into understandable terms, which is crucial for building trust and ensuring a smooth lending process.   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, Dylan Silver interviews Cory Winningham, the president of Homes by Ann David, who shares his extensive experience in the new construction and real estate investment sectors. Cory discusses how he transitioned from being a handyman and real estate investor to building custom homes in Florida. He emphasizes the importance of flexibility in construction, catering to clients' needs, and addressing the affordable housing crisis through innovative home designs. Cory also highlights the significance of understanding financing options and building relationships with lenders, which he believes are crucial for success in real estate investing.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Episode 184 In this eye-opening episode of the Mortgage Loan Officer Podcast, Frank Garay welcomes AI strategist Chris Johnstone to unpack a game-changing shift in how consumers find mortgage professionals—and how loan officers can get ahead of it. Chris shares jaw-dropping insights into how AI, especially ChatGPT, is beginning to replace traditional search engines like Google in recommending local lenders. He explains how social conversations on platforms like Facebook and Reddit—not just Google reviews—are now driving AI referrals. You'll learn how to position your business to be the one that AI recommends first. Plus, Chris reveals the powerful strategy of using AI to create high-value, hyperlocal content that not only builds trust with your audience but also trains AI models to view you as the local expert. Whether you're trying to stay relevant or get ahead of the curve, this episode delivers the roadmap. Want to go deeper? You can catch Chris live every Friday at noon ET at http://loaiclass.com. Looking for Construction or Fix & Flip financing for your clients? Partner with Park Place for fast, dependable funding. Get a quick quote here: http://workwithparkplace.com Powered by: Mortgage Marketing Animals

Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Many parents and grandparents want to help family financially, but gift tax rules are often misunderstood. In this episode, Tyler Emrick, CFA®, CFP®, breaks down the 2026 gift tax rules in plain English, including how much you can give without triggering tax, when gifting appreciated stock makes sense, and how to properly structure family loans using IRS guidelines. We also explain when a gift tax return is required—and why filing one doesn't necessarily mean you'll owe tax. If you're considering gifting money to children or grandchildren, this episode will help you do it the right way. Here's some of what we discuss in this episode:

Nathan Brooks joins Brent Daniels to share his incredible journey from flipping 700 houses to building a lending powerhouse aiming for $1 billion in annual loans. This episode is a masterclass on the evolution of an entrepreneur—moving from the "hero" doing the work to the "guide" building a scalable legacy. Nathan strips down the realities of open-heart surgery, cage fighting at 39, and the exact social media strategies that lead to free deals and top-tier hires.If you are stuck trading time for dollars or feeling the weight of business ADHD, Nathan provides the operational blueprint to help you transition from a lifestyle business to an entity built for exit. Own the real estate game by joining the TTP training program. ---------Show notes:(1:03) Beginning of today's episode(2:26) The "Free Deal" Strategy: How to get 4 extra deals a year using Facebook Stories(3:09) The Pillars of Social Media: How to connect emotionally without being repetitive(10:36) Story Brand in Real Estate: Being the "Guide," not the "Hero" in your copywriting(12:58) The 6'4" Striker: Why Nathan took a cage fight at age 39 to face his bullies (15:51) Showing up for the "Life Game": Recovering from open-heart surgery and chasing a six-pack at 45 (19:10) The Power of the Mastermind: Why Nathan launched a high-level community in Kansas City (21:38) Why Nathan quit flipping to become "the bank" (24:48) Lifestyle Business vs. Exit Strategy: Building a company that doesn't need you to function(28:03) Finding the people who are "naturally bent" toward the details----------Resources:Bridge Mastermind (Kansas City)StoryBrand by Donald Miller The E-Myth by Michael Gerber Think and Grow Rich (Power of the Mastermind)To speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?

Trying to conceive can be incredibly isolating, especially when your friends and family just do not get it. That is why I loved this conversation with Sarah Banks, fertility coach, speaker, author, and creator of the Positivity Planner.Sarah's work is all about helping you feel more emotionally supported through treatment. She also has years of experience working with clinics on patient support strategies, so she sees both sides: what patients need, and what is still missing in the system.We talked about why fertility coaching can be such a powerful complement to medical treatment, how to navigate the emotional rollercoaster of TTC, and how to protect your mental wellbeing, even when things do not go as planned.What we discuss in this episode:The power of coaching and how it can support people emotionally through treatmentHow Sarah's own journey inspired her work in fertility and patient experienceWhat fertility clinics are doing (and not doing) to better support patientsCoping with anxiety, stress, and overwhelm while TTCStrategies for building resilience and staying hopefulTips for advocating for yourself in appointments and with providersThe Positivity Planner and how journaling can support your mental wellbeingThe importance of community, connection, and being heardWhat Sarah wishes everyone struggling with infertility knewIf you are feeling like you have no one to talk to, or like you are supposed to just keep going while your heart is breaking, this one is for you.This episode is sponsored by Access FertilityWorried about the financial pressure of treatment? Access Fertility offers funding programmes and 0% interest finance to help ease the burden of self-funding IVF.Their services include:Loans of up to £12,000 with no interest over 12 monthsMulti-cycle packages that can save you up to 30%Refund programmes offering up to 100% back if treatment is unsuccessfulPartnerships with over 60 top clinics in the UKPersonalised advice based on your age and treatment planVisit accessfertility.com/thefp to learn more.Learn more about Sarah's work:Positivity Plannerssarahbanks.coachLet's keep the conversation going:

EXCLUSIVE NordVPN Deal ➼ https://nordvpn.com/efc Try it risk-free now with a 30-day money-back guarantee With David Moyes at the helm and Everton pushing toward European contention, the January window presents a critical opportunity to fix glaring squad gaps without overextending the budget. Following the injury to Jack Grealish and the ongoing lack of a specialist right-back, the loan market is the most logical route. Ian Croll and Connor O'Neill assess who could be available on the loan market and whether they are the right fit for Everton at this moment in time.  Share your thoughts in the comments and subscribe for more Everton updates. Subscribe for more Royal Blue content and hit the bell so you never miss an upload. Chris Beesley's Book: Spirit of the Blues: https://tinyurl.com/35yrkvdb *Emotional farewell to Goodison Park | 16-page Everton souvenir picture special:*  https://shop.regionalnewspapers.co.uk/liverpool-echo-monday-19th-may-2025-4583-p.asp *Goodbye to Goodison special souvenir edition:*  https://tinyurl.com/GoodbyeGoodisonSouvenir *Gavin Buckland's Book 'The End' | Order your copy here:* https://tinyurl.com/GavinBucklandTheEnd Everton FC podcasts from the Liverpool ECHO's Royal Blue YouTube channel. Get exclusive Everton FC content - including podcasts, live shows and videos - everyday.  Subscribe to the Royal Blue Everton FC YouTube Channel and watch daily live shows HERE: https://bit.ly/3aNfYav Listen and subscribe to the Royal Blue Podcast for all your latest Everton FC content via Apple and Spotify: APPLE: https://bit.ly/3HbiY1E SPOTIFY: https://bit.ly/47xwdnY Visit the Liverpool ECHO website: https://www.liverpoolecho.co.uk/all-about/everton-fc Follow us on Twitter: https://twitter.com/LivEchoEFC Follow us on TikTok: https://www.tiktok.com/@royal.blue.evertoFollow us on Facebook: https://www.facebook.com/LiverpoolEchoEFC Learn more about your ad choices. Visit podcastchoices.com/adchoices

Sohail Badruddin joins host Mark Monroe on this must-listen episode of the Real Estate Power Play Podcast titled “Seller Financing Loan Servicing.”With nearly 60 years of combined industry experience, Mark and Sohail deliver a no-fluff, highly educational breakdown of seller financing, subject-to transactions, and professional loan servicing, and why doing these deals incorrectly is putting investors, sellers, and borrowers at serious risk.What this episode covers:• Why seller liability never disappears in subject-to deals• How to properly structure compliant seller-financed notes• The real risks with FHA and VA loans• Why professional loan servicing mattersSohail brings deep insight from loan servicing, Fannie Mae, and compliance, while Mark shares real-world investor lessons you won't hear from gurus.If you're doing, or planning to do seller financing, wraps, or subject-to deals, this episode is essential listening.#SellerFinancing #sellerfinancingstrategies #markmonroe #realestateinvesting #realestate  #cashflow #realestatetips #RealEstatePodcast #taxStrategies #assetprotection

Among USDA's Farm Service Agency loan programs are offerings that could assist producers with recovery in the event of a disaster. Rod Bain with USDA has the story. USDA Radio NewslineSee omnystudio.com/listener for privacy information.

Get ready for tons of inspiring lessons in this episode! It's a panel discussion with four million dollar balloon business owners, all who came on the podcast out of the goodness of their hearts & I'm so grateful. We talk about: What impacted their growth the most What positions they suggest hiring first Some big mistakes they've made along the way Owning / leasing their various spaces Loans, assets and investments Staying motivated Their biggest pieces of advice Thank you so much to our guest panelists: Erin, Blenda, Brian and Chris. I would also like to thank this month's sponsor, Joette of Balloon Coach. In fact, two of the panelists (and myself), will all be on staff at her Balloon Boss Summit this year. So if you like this conversation, just imagine experiencing it in person. Summit is really special for that reason, and it's intentionally kept small to help attendees create relationships. In the UGlu Hotline, hear a tip from one of the panelists on what she sends to clients in the mail. Unlock three free bonus episodes!  RESOURCES MENTIONED: Presenting sponsor: Balloon Coach Balloon Boss Mastermind & Summit  Other sponsors & resources: Havin' A Party Wholesale (save 5% on orders $200+ with code PODCAST) Courtney Lynette Creative Co. (mention the podcast for $100 off!)  UGlu by Pro Tapes (save 5% on orders $200+ at Havin' A Party with code PODCAST)  DM @thebrightballoon on Instagram to ask a question or leave advice for the UGlu Hotline! 2026 Bright Balloon Planner  More with Erin More with Blenda More with Brian More with Chris - - - - On the Bright Side Apple | Patreon The Bright Balloon on YouTube 

Parent PLUS loans are about to get a lot more complicated, and most families have no idea what's coming. In this episode, senior student loan advisor Lauryn Williams, CFP®, CSLP®, AFC®, sits down with student loan expert Janna McKay, AFC®, CSLP®, to break down the biggest changes affecting Parent PLUS borrowers. You'll learn about the end of double consolidation, new repayment access rules, and what the July 2026 deadline really means for forgiveness and Public Service Loan Forgiveness (PSLF). If you're a parent helping kids through college, this episode could save you from a costly mistake. Key moments: (06:38) Why double consolidation is officially dead (and what replaces it) (08:10) Quick clarification for borrowers who don't have Parent PLUS loans (13:38) Real client cases where consolidation mistakes caused major problems (22:43) Why borrowing after July 2026 could permanently block PSLF for parent borrowers (33:18) Legacy provisions for borrowing before July 1, 2026 vs. borrowing after     Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Most loan officers think relationships are built on rates and speed.In today's market, what realtors actually need is something deeper...consistency, communication, solutions, and a partner who shows up long after the deal closes.In this video, I break down:• Why most loan officers lose business after the first transaction• The follow up and communication standards that build real trust• How “not ready” buyers get educated into closings• How dead deals get revived when others say no• Why investor clients require a completely different level of expertise• What it takes to create repeat business and long term loyaltyI also walk through the systems and culture at Takers Brokerage that support our realtor partners.This is about raising the standard... for lenders, realtors, and for the clients who trust both.Support the showJoin our weekly calls so you we can help you too!

Ross Halls is joined by Stuart Watson to discuss Ipswich Town's loan signing of midfielder Dan Neil from Premier League club Sunderland.The 24-year-old becomes the Blues' second signing of the January transfer window and moves to Portman Road on a deal until the end of the season.The boys chat about his journey at his boyhood club, where he will fit in and attributes as a player. They also speak about the balance of the squad, who could leave before deadline day and where the Blues might strengthen next.The duo take questions and comments from the audience and much more.Kings of Anglia is sponsored by Stardust Spirits. Get 20% OFF with promo code KOA at https://www.stardustspirits.co.uk/Also sponsored by Molecular! Get 10% OFF with promo code KOA10 at https://www.molecular-uk.com/Subscribe on our website to watch the video version of the podcast - https://www.eadt.co.uk/subscribe/You can shop the KOA range here - (kings-of-anglia.myspreadshop.co.uk) 

Dave Hendrick looks at all the LFC related news & gossip. Today he looks at the news of players staying after loan spells, injury updates and some comments from Arne Slot. Learn more about your ad choices. Visit podcastchoices.com/adchoices

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

288 - The Insider's Guide to DSCR Loans with Phil Ganz   In this episode of the Real Estate Investor Growth Network podcast, hosted by Jen Josey, the discussion kicks off with a compelling segment on the essential nature of property inspections for investors. Jen outlines five critical reasons why skipping this step can be detrimental to your real estate ventures. The heart of the episode features an in-depth interview with Phil Ganz, the President and Founder of Next Wave Mortgage. With over 25 years of industry experience, Phil shares his journey from aspiring Peace Corps volunteer to a respected figure in the mortgage sector. He delves into the intricacies of DSCR loans, explaining their benefits and providing strategic advice for both novice and seasoned investors. Listeners are also treated to Phil's personal anecdotes and insights on overcoming obstacles, the importance of mentorship, and his commitment to helping others achieve financial independence through real estate investing.   00:00 Introduction to REIGN and Host Jen Josey 01:02 Today's Topic: Importance of Property Inspections 03:06 Guest Introduction: Phil Ganz 04:11 Phil Ganz's Journey in the Mortgage Industry 09:04 Challenges and Successes in the Mortgage Business 22:27 Starting Next Wave Mortgage and Helping Investors 24:15 Understanding DSCR Loans for Investors 31:42 Understanding Prepayment Penalties 33:17 The Importance of 30-Year Fixed DSCR Loans 35:02 Pitfalls of Adjustable Rate Mortgages (ARMs) 37:00 Lessons from Real Estate Mistakes 44:38 Phil Ganz's Personal Journey and Advice 47:30 The BADASS Acronym: Book, Advice, Drive, Aspiration, Systems, Success 58:32 Conclusion and Contact Information  

In this compelling episode of Dollars & Sense with Joel Garris, the show dives deep into two urgent financial realities that could reshape your future: the explosion of ultra-long car loans and a retirement crisis few see coming—not about money, but about meaning. First, Joel tackles the “100-month car loan” phenomenon, revealing how soaring auto prices and sky-high average payments (now topping $750/month) are forcing families into unprecedented debt traps. He breaks down common mistakes—like focusing only on monthly payments or stretching loan terms to buy pricier vehicles—and offer smart, actionable strategies: buying used, choosing shorter loans, and planning purchases to protect your budget and future. Then, the show pivots to a powerful, rarely discussed retirement crisis: the loss of mattering. Joel illuminates why financial and health planning alone aren't enough and explores the emotional gap retirees face when work—and the sense of being needed—ends. You'll hear research-backed insights into why building a new sense of purpose, connection, and significance is the real key to a happy, resilient retirement. Plus, the episode unpacks the hidden financial blind spots that overwhelm grieving spouses, from surprise debts and locked accounts to the dreaded “widow's penalty” tax shock. Joel shares practical steps you can take today to protect your spouse and yourself, ensuring clarity and stability during life's toughest moments. If you want to avoid costly financial pitfalls and ensure your next chapter is not just secure—but meaningful—this episode is a must-listen.  

Welcome to the San Antoniooooooooooooooooooooooooooooooooooooooooooooooooooo FanCast Soccer Roundtable Topics:SAFC Fancast Recap: SAN Antonio FC 2 to USL League TwoMLS Loan to SAFCSAFC Preseason Schedule Preseason: SAFC 0 Austin FC 0SA Soccer Roundtable/SAFC Fancast

Bắc Kinh sẵn sàng đón nhận cơ hội thiết lập bá quyền khu vực của riêng mình.Xem thêm.

We started this week's show by chatting with Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits, about how he has no minimum, and his only requirement is being a good person. Next, IRS tax attorney Steven Leahy of Opem Tax Advocates chats about how to protect assets in your business. Then, Jim […]

Featured on WGN Radio's Home Sweet Home Chicago on 01/24/26: Jim Brown of The Sarah Leonard Team at Legacy Properties joins the show to talk about the stigma that comes with marketing a home “as-is” and buyers’ offers. To learn more about what Rob, Sarah, and her team can do for you, go to sarahleonardsells.com or call […]

Featured on WGN Radio's “Home Sweet Home Chicago” on Jan. 24, 2026: Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits, joins David Hochberg to discuss how he helps his clients plan for their futures. For more information, call 800-640-2256.

Featured on WGN Radio's “Home Sweet Home Chicago” on Jan. 24, 2025: IRS tax attorney Steven A. Leahy of the Law Office of Steven A. Leahy, PC, with Opem Tax Advocates, joins the program to discuss helping clients with tax returns, setting up bookkeeping, and protecting what you own. Go to fightbacknow.com or call 312-664-6649.

In today's Banking With Life Q&A, James answers questions such as, “Does a high policy loan interest rate break IBC®?”, “Does Infinite Banking actually solve fractional reserve banking?”, and “If all money eventually passes through banks, what does ‘controlling the banking function' really mean?” 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!➫ https://www.bankingwithlife.com/how-to-fast-track-becoming-your-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here:➫ https://www.bankingwithlife.com/product/the-5-part-6.5-hour-video-series-nelson-nash-recorded-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...➫ https://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:➫ https://www.bankingwithlife.com/product/becoming-your-own-banker-infinite-banking-concept-starter-kit-special-offer/━━━Learn more about James Neathery here:➫ https://bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts:➫ https://podcasts.apple.com/us/podcast/banking-with-life-podcast/id1451730017Listen on your Android through Stitcher:➫ https://www.stitcher.com/podcast/bank...Listen on Soundcloud:➫ https://soundcloud.com/banking-with-life-podcast━━━Follow us on Facebook:➳ https://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.

In this episode you will hear: (02:54) Mark interviews Lisa and Lynda about their new book, "The Calm College Method" (27:18) Susan joins Mark to answer a question from Andrew, a listener from Oregon (54:27) Interview-Susan Brisson-Olin College of Engineering Preview of Part 2 v Susan talks about the level of math Olin is looking for and she discusses the admission requirements v Susan talks about the individual in-person evaluative interview Olin has v Susan tells us what some red flags are students in admissions v Susan shares her the cross-apps are for Olin v Susan explains why their application timeline is different from many of their peers v What do employers tell you that they like about Olin grads? 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/

D.O. sits down with Legendary Mortgage President Mike Fitzpatrick for an in-depth conversation about technology and AI in the mortgage industry. Fitzpatrick shares his personal career journey from humble beginnings to leading a thriving mortgage division, including the pivotal role of operational mentors, leveraging social media, and how positivity drives success. Loan officer looking for a new place to call home?

Jacob VosWinkel searched in tertiary markets to find a successful flooring store, his platform to build something big.Register for the webinar:What You're Really Paying: Net Working Capital & Net Debt Explained - TODAY!! - https://bit.ly/49WI4AoTopics in Jacob's interview:Recommending markets of 50k-100k peopleScraping BizBuySell listingsReaching out to 200 potential investorsRaising $1 million equity in 2 weeksAdvantages/disadvantages of searching under 30Moving across the country for the transitionFlying home on weekendsGrowing to reduce customer concentrationHis responsibility to employeesGrowing 50% in 2 yearsReferences and how to contact Jacob:Jacob's YouTube channelFloors GaloreLinkedInJordan Dubin on Acquiring Minds: First Acquisition in March, $200m by Year EndLearn more about Walker Deibel's done-with-you buy-side advisory:The Acquisition LabGet a complimentary IT audit of your target business:Email Nick Akers at nick@inzotechnologies.com, and tell him you're a searcherDownload the New CEO's Guide to Human Resources from Aspen HR:From this page or contact jenny@aspenhr.comConnect 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

MLS dropping some big rule changes as Tom & David jump in to to go over all of it. They talk through what this means for MLS teams in 2026 and beyond. Then they dig into the big stories of the week from MIA trying to Big Dawg LAFC to ATL working on their rebuild. There can't be a Soccerwise episode without a long conversation around GAM. And finally the admin puts our hosts through the REAL MLS Jeopardy ringer. 8:20 MLS Transfer Window, Loan & Cashfer Changes17:20 Inter Miami Try To Big Dawg LAFC For Denis Bouanga25:50 LAG Buying Joao Klauss From STL38:50 ATL United Connected To Guido Rodriguez44:30 MLS GAM Release And Minnesota United57:15 Admin MLS Trivia

In this episode, Matt Porcaro breaks down one of the most overlooked real estate strategies investors can use today to make deals work in tough markets. Matt explains how combining renovation loans, housing density, and value-add thinking can unlock hidden income, increase buying power, and create real cash flow and equity when traditional strategies fall short. KEY TALKING POINTS:0:00 - What Is The 203k Loan?1:53 - 203k Loans And ADUs4:30 - The Perfect Storm6:15 - The Caveats To This Approach8:42 - Driving For Dream Homes12:22 - Equity And Income Arbitrage14:50 - Outro LINKS:Instagram: Matt Porcarohttps://www.instagram.com/the203kway Website: The 203k Way203kway.com/livetraining Instagram: David Leckohttps://www.instagram.com/dlecko Website: DealMachinehttps://www.dealmachine.com/pod Instagram: Ryan Haywoodhttps://www.instagram.com/heritage_home_investments Website: Heritage Home Investmentshttps://www.heritagehomeinvestments.com/

In this solo episode, we break down the most common ways investors lose money in apartment investing. And, more importantly, how to avoid them. While multifamily is a powerful wealth-building vehicle, it's not foolproof. We walk through real-world examples from my own portfolio to highlight where deals go wrong, from negative cash flow and over-leverage to bad partners and poor business planning. This episode is a practical guide for investors who want to protect capital, reduce risk, and build durable multifamily portfolios.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Understand how negative cash flow quietly erodes deals over time Learn why conservative underwriting matters more than optimistic projections See how improper insurance coverage can magnify catastrophic losses Recognize how leverage, partners, and market selection impact long-term outcomes     Topics Negative Cash Flow and Poor Underwriting Cash flow equals income minus expenses, debt service, and CapEx Renovations, rising expenses, and miscalculations can quickly create losses Trailing 12-month statements often understate true operating costs Investors must model realistic expenses and conservative income assumptions Catastrophic Events and Insurance Coverage Fires, storms, and other disasters can shut down buildings for months Insurance must cover both property damage and lost business income Understanding deductibles, exclusions, and coverage details is critical Proper insurance makes unavoidable events survivable from a business standpoint Over-Leverage and Loan Risk High loan-to-value ratios reduce flexibility during refinancing or sale Properties that fail to create value can become impossible to exit Conservative leverage (around 65% LTV or lower) preserves options Loans must match the business plan and hold strategy Bad Partners and Weak Teams Poor property managers, contractors, or partners can destroy deals Fraud, negligence, or lack of accountability creates hidden risk Due diligence, references, and checks and balances are essential Quality partners cost more, but reduce long-term losses Market Selection and Long-Term Growth Cash-flow-only markets may lack appreciation Aging properties require reinvestment over time Markets and submarkets must support long-term value growth Cheap properties without upside can become capital traps Over-Improving and Flawed Business Plans Renovations must align with market rent ceilings Over-improving units doesn't guarantee higher returns Class B and C properties have natural rent limits Staying disciplined with budgets and numbers protects returns    

Chris Naugle ( @TheChrisNaugle ) & Caleb Guilliams go head-to-head debating whether you should borrow against your whole life insurance policy to purchase cars and other liabilities. They disagree over the math and opportunity cost, as well as comparing their philosophies behind their positions. Watch the full interview: https://youtu.be/m2goBXyB27M Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review 00:00 - Introduction 00:18 - Why Use IBC for Cars? 01:35 - Calculating the Cost of Financing vs. IBC 02:24 - Negotiating a Car Price While Using IBC 03:35 - Dealerships Making Money on Financing 04:20 - IBC is a Process 06:06 - Volume vs. Rate 06:34 - The 4% Loan vs. 6% Policy Loan Scenario 07:38 - Chris Disagrees and Explains the APR 09:35 - Modeling the Math (Chris vs. Caleb) 10:48 - Paying Back the Policy at the Bank's Rate 12:33 - Loan Repayment vs. New Premium 13:28 - Opportunity Cost and Capital 15:07 - Disagreement on the Logic 16:24 - Personal Preference for Moving Capital 18:57 - An Alternative Strategy (Leasing and Reinvesting) 20:24 - Consistency in Teaching Money Concepts ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.