Podcasts about loans

For more coverage on the issues that matter to you, download the WMAL app, visit WMAL.com or tune in live on WMAL-FM 105.9 from 9:00am-12:00pm Monday-Friday  To join the conversation, check us out on Twitter @WMAL and @ChrisPlanteShow Learn more about your ad choices. Visit podcastchoices.com/adchoices

2026.02.13 OA Life in Fukuoka "Vietnamese" #307 LOVE FM 76.1MHz http://lovefm.co.jp/

In this episode, Stephan Livera and Dhruv Patel, CEO of Arch Lending, discuss the current state of Bitcoin lending, market trends, and the unique products offered by Arch Lending. They explore the mechanics of Bitcoin-backed loans, risk management strategies for borrowers, and the importance of custody and security in the lending process. The conversation also touches on the future of Bitcoin lending, growth strategies, and the evolving landscape of financial products in the cryptocurrency space.Takeaways:

In this episode you will hear: (02:05) In Our Question from a Listener-Carter joins Mark to answer a question from a mom who wants her son to be authentic in his application, but he only wants to play video games, and she wonders how admission officers will perceive this (20:00) Mark interviews Elliot Felix, author of the book, 'the Connected College" o Elliot talks about an aha moment he had when he was doing research for his book o Elliot talks about how we have to change what we are doing with emailing students o Elliot talks about how we have to reinvent how libraries function, and how we have to have, "Next Generation Libraries" o Elliot talks about what he does with the 120 colleges that have hired him o Elliot talks about who the people on his team are and what are their roles (38:38) College Spotlight-Daniela Uribe and Summer Cobb Tell us What Penn is like for students. ¨ Daniela and Summer share their experience with the other two colleges: Wharton, which is the business school and the college of nursing ¨ I share some things one of my students at Wharton who was supposed to join us and had a conflict; I share what he told me are some things he wanted to share about Wharton ¨ Summer and Daniela continue to talk about some of Penn stereotypes, and they discuss if they feel it is true ¨ Daniela talks about coffee chatting is foundational at Penn ¨ Summer and Daniela describe Penn's personality ¨ Daniela and Summer get to be college counselors and I ask them, what does the student look like who you would recommend to Penn and what is the person that you would not recommend to Penn 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 Michelle Kesil speaks with mortgage expert Michael Banner about DSCR loans and their significance for real estate investors. Michael shares insights on the nuances of these loans, common misconceptions, and how they can benefit investors, especially in today's market. He emphasizes the importance of proper preparation and understanding the loan process to avoid pitfalls. Additionally, Michael discusses the role of real estate in retirement planning and offers advice on how to leverage mortgages for financial growth.   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   —--------------------

On this episode, Harry Symeou discusses the latest on Ethan Nwaneri after it was announced Roberto De Zerbi has left his position as Marseille boss. We also begin our look ahead to the trip to Brentford and discuss whether we can expect to see Bukayo Saka or Martin Odegaard return to the squad for Thursday night's game. Donate to Gooners vs Cancer here: https://goonersvcancer.com/ To sign up as a Patreon, get additional episodes, ad-free episodes and become a part of our discord server, click the link below. https://patreon.com/thechroniclesofagooner?utm_medium=unknown&utm_source=join_link&utm_campaign=creatorshare_creator&utm_content=copyLink Listen to 'The Rise of Pafos FC' on Apple podcasts or Spotify: https://podcasts.apple.com/us/podcast/the-rise-of-pafos-fc-with-harry-symeou/id1334407316?i=1000746012823 #arsenal #afc #premierleague Learn more about your ad choices. Visit podcastchoices.com/adchoices

Most real estate investors use DSCR loans, but very few know how to tweak them to actually protect cash flow and avoid painful surprises. In this episode of Chasing Financial Freedom, Ryan DeMent breaks down 3 secret DSCR loan hacks: underwriting deals with conservative rents so your DSCR holds up when the market shifts, using structure (LTV, DSCR bands, reserves) to improve pricing instead of only chasing rate, and matching prepayment penalties to your real exit plan so you're not writing a massive check when you sell or refi. If you're scaling a rental portfolio with DSCR loans, this conversation will change how you analyze, structure, and lock your next deal.

Mikel Arteta on Brentford Test, Man Utd Winning Run Ends, Nwaneri Nightmare Scenario On LoanArsenal face another huge Premier League challenge as Mikel Arteta prepares his side for a tough test against Brentford, while Manchester United's winning run finally comes to an end — and there's growing concern over a potential nightmare loan scenario involving Ethan Nwaneri.In today's episode of The Gooner Talk, Arsenal reporter Tom Canton breaks down everything from Arteta's latest press conference, the tactical and mental challenge Brentford present, and what Arsenal must do to maintain momentum in the title race. We also analyse Manchester United dropping points and what that means for the Premier League landscape, plus a deep dive into the risks surrounding Ethan Nwaneri's potential loan move and why Arsenal must get this decision right.With insight, analysis, and the latest Arsenal news, this is your essential Gunners update.

The Mayor of Kyiv, Vitali Klitschko, described the situation in his city

Review các phim ra rạp từ ngày 06/02/2026:TẦM TẦN KÝ – T13Đạo diễn: Yuen Fai NgDiễn viên: Louis Koo; Raymond Lam; Thể loại: Hành Động“TẦM TẦN KÝ” là phim điện ảnh kể về câu chuyện của hơn 20 năm sau, kể từ tập cuối bộ phim truyền hình mang tên Cỗ Máy Thời Gian (tựa phim ở Việt Nam). Sau khi Tần Thuỷ Hoàng đã thống nhất 6 nước, màn tái ngộ sau nhiều thập kỷ và cuộc xuyên không đi vào lịch sử hứa hẹn sẽ tạo nên cơn địa chấn tại rạp Việt. Một án oan từ nhiều năm trước đã châm ngòi cho cuộc khủng hoảng làm thay đổi vận mệnh lịch sử! Ken (do Miêu Kiều Vĩ thủ vai) thề sẽ xuyên không trở về thời nhà Tần để xưng vương, bù đắp cho cuộc đời đã bị cướp mất vì oan ngục. Ở thời Tần, gia đình Hạng Thiếu Long (do Cổ Thiên Lạc thủ vai) tuy đã lui về ẩn cư, nhưng mọi hành động vẫn không thể qua mắt đồ đệ của mình – Tần Vương (do Lâm Phong thủ vai). Đúng lúc Tần Vương tưởng rằng mình đã thống nhất lục quốc, xưng bá thiên hạ, thì bất ngờ đối mặt với cuộc tập kích của Ken. Bất đắc dĩ, Tần Vương phải đi tìm vị sư phụ mà mình vừa kính trọng vừa e sợ là Hạng Thiếu Long để xin cứu viện. Sau hơn hai mươi năm xa cách, thầy trò cuối cùng cũng gặp lại. Sự xuất hiện của Ken khiến vận mệnh của ba người bị trói chặt vào nhau, sóng gió lại nổi lên nơi triều Tần, và những ân oán chồng chất cuối cùng cũng phải đi đến hồi kết.OÁN HỒN TÀU ĐIỆN – T18Đạo diễn: Roman Perez Jr.Diễn viên: Bea Binene, Louise Delos Reyes, Thể loại: Kinh DịTrong chuyến tàu đêm, bảy hành khách nhìn thấy một phụ nữ bị quấy rối nhưng đều chọn làm ngơ. Khi người phụ nữ tên Michelle bị tấn công, từng người bắt đầu gặp những xui rủi kỳ lạ gắn liền với sự thờ ơ của họ. Bị ám bởi ảo ảnh ghê rợn, Angel — cô gái trẻ nhất — dần hiểu rằng linh hồn Michelle đang tìm cách nhờ cô phơi bày sự thật. Nỗi sợ bủa vây, buộc cả nhóm đối diện hậu quả của khoảnh khắc họ quay lưng. Với sự dẫn dắt của Michelle, Angel bước vào hành trình đòi lại công lý, mở ra con đường chuộc lỗi cho tất cả.KUMANTHONG ĐÀI LOAN: OÁN THAI ĐÒI MẸ - T18Đạo diễn: Shieh Meng JuDiễn viên: Yo Yang, Cecilia ChoiThể loại: Kinh DịHsu-Chuan, nhân viên một công ty game VR, vô tình mang về nhà một con búp bê đất sét vỡ từ ngôi nhà ma ám nơi anh đang lấy tư liệu cho tựa game kinh dị mới. Nhưng anh không ngờ rằng vợ mình — Muhua, chuyên viên phục chế hiện vật đang mang thai — lại bị cuốn hút một cách bất thường bởi con búp bê và ám ảnh phục hồi nó từng chút một. Từ đó, những hiện tượng rùng rợn liên tiếp ập đến, sức khỏe của Muhua ngày càng suy kiệt như bị điều gì đó hút cạn. Tuyệt vọng và hoang mang, Hsu-Chuan tìm đến pháp sư trừ tà Ah-Sheng để cầu cứu. Và rồi, những bí mật ghê rợn ẩn trong con búp bê — cùng lời nguyền cấm kỵ vang lên từ bài đồng dao — bắt đầu trỗi dậy.F1® (CHIẾU LẠI) – T16Đạo diễn: Joseph KosinskiDiễn viên: Brad Pitt, Simone Ashley, Javier Bardem, ...Thể loại: Hành Động, Tâm LýSonny Hayes (Brad Pitt) được mệnh danh là "Huyền thoại chưa từng được gọi tên" là ngôi sao sáng giá nhất của FORMULA 1 trong những năm 1990 cho đến khi một vụ tai nạn trên đường đua suýt nữa đã kết thúc sự nghiệp của anh.. Ba mươi năm sau, Sonny trở thành một tay đua tự do, cho đến khi người đồng đội cũ của anh, Ruben Cervantes (Javier Bardem), chủ sở hữu một đội đua F1 đang trên bờ vực sụp đổ, tìm đến anh.NGƯỜI BẤT TỬ (CHIẾU LẠI) – T18Đạo diễn: Victor VũDiễn viên: Quách Ngọc Ngoan, Đinh Ngọc Diệp, Jun Vũ, Thanh Tú, Cường Seven, Trương Thế Vinh, Thể loại: Kịch tính, Tâm LýNhững giấc mơ khó hiểu và ám ảnh đã đưa An (Đinh Ngọc Diệp) tới một hang động kì bí, nơi cô phát hiện ra bí mật khủng khiếp của Hùng (Quách Ngọc Ngoan) - người đàn ông sống qua 3 thế kỷ. Cuộc đời thăng trầm của Hùng với đầy những tham vọng, thù hận và ma thuật dần được mở ra.------------------------------------------#8saigon #reviewphimrap #tamtanky #oanhontaudien #kumanthongdailoan

Sinn Féin's two MEPs have voted against a €90 billion European Union loan to Ukraine when the before the European Parliament today. The party has said it supports the provision of humanitarian aid but says the proposed loan is ‘primarily for military expenditure'. Joining Shean to discuss was Regina Doherty, Irish Fine Gael MEP and Micheal Mc Namara, Independent MEP for Ireland South

In this episode, Stephan Livera interviews Jos Lazet from Blockrise, discussing the recent volatility in Bitcoin prices, the semi-custodial model of Blockrise, and the future of Bitcoin lending. They explore the implications of market movements, the importance of risk management in lending, and the evolving landscape of Bitcoin services. Joss shares insights on Blockrise's offerings, including asset management and lending, and emphasizes the need for user-friendly solutions in the Bitcoin space.Takeaways:

John Q. Taxpayer is in the home stretch of his career, looking for the best way to catch-up and build his tax-free bucket. Meanwhile, a pair of young financial nerds in Omaha are already strong savers, but they're wondering whether a simple "VOO for life" strategy is enough to help them reach multimillionaire status in retirement. Also, Janine retired unexpectedly. Can her remaining savings support a European retirement lifestyle? From Jonas Grumby's "glitch in the matrix" tax strategy to the potential tax nightmare of Dolly's literal sack of inherited gold coins, today on Your Money, Your Wealth® podcast 568, Joe Anderson, CFP® and Big Al Clopine, CPA. spitball on how folks from different generations with different situations can reach the same ultimate goal: positioning assets today to ensure the most tax-free wealth tomorrow. Plus, the fellas spitball on the "double taxation" trap of retirement plan loans for Pete in North Carolina, and the affordability of 50-year mortgages for Semper Fi in Michigan. Free Financial Resources in This Episode: https://bit.ly/ymyw-568 (full show notes & episode transcript) Why Asset Location Matters - free guide All About Asset Location - more free resources 15 Maneuvers to Duck an Unplanned Early Retirement Knockout - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:05 - After-Tax 401(k) Catch-Ups vs Taxable Investing (John Q Taxpayer) 06:16 - Forced Early Retirement: Social Security and Roth Conversion Timing? (Janine, Bothell, WA) 11:30 - Are 50-Year Mortgages Actually Affordable? (Semper Fi, Stevensville, MI) 17:59 - 401(k) Loan vs Mortgage Payoff (Pete, NC) 21:27 - Can You Manufacture a Step-Up in Basis? (Jonas Grumby, The Colony, TX) 25:03 - Inherited Gold Coins and Capital Gains Taxes (Dolly, 63, TN) 29:35 - Spitball for Young Investors Who Don't Have Millions (Young Financial Nerds, Omaha, NE) 42:13 - Outro: Next Week on the YMYW Podcast

Alan Porter is a former U.S. Army Black Hawk instructor pilot turned nationally recognized financial educator, bestselling author, and certified financial fiduciary. After a long military career and success in real estate and mortgage lending, a series of family health crises reshaped his understanding of financial planning, life insurance, and long-term care. Today, Alan specializes in advanced tax-free retirement planning, wealth preservation, business exit strategies, and legacy planning for high-net-worth individuals and entrepreneurs.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Understand why health events, not market cycles, are the biggest threat to retirement security Learn how sequence of returns risk can quietly devastate traditional retirement plans Discover how life insurance can function as a tax-free retirement and liquidity tool See why effective interest cost matters more than stated interest rates Learn how proactive tax and retirement planning can protect wealth across generations     Topics Why Financial Planning Became Personal for Alan Family health crises exposed major gaps in traditional planning Terminal illness rider benefits provided critical, tax-free liquidity Firsthand experience reshaped Alan's career focus Health Care Costs and Long-Term Care Risk Long-term care costs range from $50,000–$200,000 per year and continue rising Medicare does not cover long-term care; Medicaid requires asset spend-down Health events can erase decades of savings without proper planning Sequence of Returns Risk Explained Early retirement losses can permanently derail portfolios Market downturns combined with withdrawals accelerate depletion Traditional advisors often overlook this risk Effective Interest Cost and Hidden Debt Mortgages and credit cards carry much higher real costs than advertised rates Effective interest cost reveals how much money truly goes to lenders Eliminating high-interest debt can outperform traditional investments Becoming Your Own Bank Cash-value life insurance allows borrowing while assets continue compounding Loan repayment is flexible and under the policyholder's control Policies can fund education, vehicles, emergencies, and retirement Limitations of 401(k)s and Qualified Plans Fees, taxes, and required minimum distributions reduce net retirement income Taxes are deferred, not eliminated Most investors underestimate future tax exposure Tax-Free Retirement and Legacy Planning Properly structured insurance strategies can deliver tax-free income Policies avoid Social Security taxation and Medicare means testing Assets can transfer across generations more efficiently     Round of Insights Failure that set Alan up for success: Not planning ahead. Failing to prepare for life events led to higher costs and financial strain later. Digital or mobile resource recommended: Alan's YouTube channel and educational resources at StrategicWealthStrategies.com. Book recommended most in the last year: Tax-Free Retirement Solution. Daily habit that keeps him focused: Early mornings, daily workouts, and structured planning to start each day with intention. #1 insight for creating long-term wealth: Learn how insurance products work and what they can truly do.     Next Steps Visit Alan's website and check out his retirement tax calculator Review your current retirement and tax strategy Learn how sequence of returns risk affects your plan Evaluate long-term care exposure and insurance options Explore tax-free income strategies before retirement Get a second opinion on your financial plan     Thank you for joining us for another great episode! If you're enjoying the show, please LEAVE A RATING OR REVIEW, and be sure to hit that subscribe button so you don't miss an episode.  

Manawatu parents and caregivers are dipping into their savings and even taking out loans in order to find a bus service to get their children to school. This comes after some school buses that used to run into Palmerston North were axed as a result of a Ministry of Education review into over 250 routes nationwide. One high school reports that 300 of its students are affected by the changes. Jimmy Ellingham has more.

In this episode you will hear: Mark does a two-part series that looks at outside of external scholarships. Mark answers the question, what are the nine reasons why so many students do not apply for external scholarships in part 1. In part 2, on Episode 613, Mark gives tips for how to win outside scholarships. Elena Hicks, the Assistant Vice Provost and Dean of Admissions at SMU, helps us to understand Southern Methodist University (SMU) in this three-part series. Mark shares 17 impressions he has of SMU and Elena comments on whether she feels they are correct. Preview of Part 1 ¨ Elena gives her backstory of how she started at TCU as a student and leader of the tour guide program to prep school admissions and other college roles and then back to Texas at SMU ¨ Elena gives us an overview of SMU ¨ Elena answers the question, how would you explain SMU to a stranger ¨ Elena, answers the question, what would you say to a student who says, I am not southern and I am not Methodist, so why should I go to SMU ¨ Elena answers the question, what is it in the SMU mission statement that really reflects who SMU is? ¨ Friends, for the rest of the interview I use a new approach I am using to interviewing senior admissions personnel; I share 17 different impressions I have about SMU, either from my own visits and observations, or from talking to SMU Admissions officers over the years, but mostly from listening to my students who are at SMU now or have graduated from SMU over the years, so for the rest of this interview, this is what I do. I hope you like my new approach to doing these interviews, for the rest of part 1, I share the first 4 of these impressions, and I ask Elena if she disagrees or agrees, and to elaborate on my perceptions of SMU, so listen and enjoy Recommended Resources Colleges that allow self reporting of test scores Colleges that Allow Self-Reporting of SAT and ACT Scores Great source for questions about finances and college Edvisors: Financial Aid, Student Loans, Scholarships and Money Management FAFSA Walkthroughs Mark recommends Complete FAFSA 2026‑2027 Walkthrough | From Start to Submit 2023-2024 FAFSA Walkthrough Video English CSS PROFILE Walkthroughs CSS Profile Walkthrough MEFA Institute: A Deep Dive into the CSS Profile Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast. You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day. To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses. Check out our new blog. We write timely and insightful articles on college admissions: https://yourcollegeboundkid.com/category/blog/ 1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK. Please follow our podcast. It really helps us move up in Spotify and Apple's search feature so others can find our podcast. If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful! If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live. Check out the college admissions books Mark recommends: https://yourcollegeboundkid.com/recommended-books/ Check out the college websites Mark recommends: https://yourcollegeboundkid.com/recommended-websites/ If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link: https://docs.google.com/forms/d/e/1FAIpQLScCauBgityVXVHRQUjvlIRfYrMWWdHarB9DMQGYL0472bNxrw/viewform If you want a college consultation with Mark just text Mark at 404-664-4340 or email at mark@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

In this episode of "The Loan Officer Podcast," hosts Dustin Owen and John Coleman, joined by producer Karina Mojica, deliver an engaging blend of humor, real-world stories, and valuable industry insight. The episode kicks off with Dustin sharing highlights from his recent travels, including keynote speeches at major mortgage conferences and memorable encounters with industry leaders. He reflects on the fast-paced changes sweeping through the mortgage sector, emphasizing how technology, automation, and artificial intelligence are transforming everything from loan processing to client communication.   Despite these advancements, the hosts stress that emotional intelligence, strong interpersonal skills, and genuine likability remain irreplaceable assets for loan officers. They discuss real-life scenarios where empathy and relationship-building have made the difference in closing deals and retaining clients, even as digital tools become more prevalent. The conversation delves into the challenges and opportunities presented by automation, with the team debating whether robots and algorithms will ever fully replace the human touch in lending. Throughout the episode, Dustin, John, and Karina offer practical career advice for both new and experienced loan officers.   They highlight the importance of continuous learning, adaptability, and investing in professional coaching to stay ahead in a rapidly evolving market. The team also announces an exciting upcoming networking event designed to connect industry professionals, foster collaboration, and share best practices. Listeners are encouraged to take charge of their personal and professional growth, leveraging both technology and soft skills to remain competitive. The episode wraps up with actionable tips for building a resilient career in the mortgage industry, reminders to register for the networking event, and a call to invest in coaching and self-improvement as the keys to long-term success.   TLOP's Originator Coaching: https://tloponline.com/mlo-coaching-programs/ Loan officer looking for a new place to call home?

Green Card Holders No Longer Eligible for SBA Loans. Learn more about this topic on today's podcast. See omnystudio.com/listener for privacy information.

Links & ResourcesFollow us on social media for updates: ⁠⁠⁠⁠Instagram⁠⁠⁠⁠ | ⁠⁠⁠⁠YouTube⁠⁠⁠⁠Check out our recommended tool: ⁠⁠⁠⁠Prop Stream⁠⁠⁠⁠Thank you for listening!

We're back with another episode of I Had Trials Once and this time we're joined by former Rochdale, Burton, Scunthorpe & Salford midfielder Matty Lund. Matty sits down with Gaz & Jord to discuss everything from his time as an academy player at Stoke to the importance of early loan moves and playing games. The lads start the pod talking in depth about Matty's time at Salford City, working with the class of 92 and the disappointing end to his time. Matty then talks us through his early loan moves in football including Hereford were the manager was also the physio, playing under Paul Dickov at Oldham & crazy Bilel Mohsni. The trio then chat in about Matty's time at Rochdale, the incredible strength of the squad & why he had to leave to chase his Northern Ireland dream. Matty then talks about how his struggles at Burton and why a poor relationship with manager Nigel Clough didn't help his situation before handing in a transfer request to move to Scunthorpe. Finally they end the pod talking about making the wrong moves in football, the best player Matty has ever shared a pitch with and what he's up to since retiring. WE'RE DOING ANOTHER LIVE SHOW!

Auckland library data shows physical book reign supreme with 11 million loaned last year, compared to six million digital books. Book Hero owner Dylan Bland spoke to Corin Dann.

One of the biggest shocks for new business owners is the realization that even if the business is profitable, that cash doesn't automatically belong in your pocket. In this episode, Zulfiqar Ali explores "The Great Divorce" the essential separation between personal finances and the business bank account. Drawing from his journey building Trusted Creators, he explains why treating your company account like a personal ATM is a fast track to trouble with the tax man.Show Notes: https://trustedcreators.org/s12ep50:00 - Introduction to the money mindset shift1:32 - Sustainable business vs. a hobby2:38 - The 5 hard lessons overview2:52 - Lesson 1: The Great Divorce and ATM danger5:10 - Lesson 2: Salary vs. Dividend breakdown6:38 - Lesson 3: The Director's Loan account warning7:12 - Lesson 4: The Separate Person mindset8:54 - Lesson 5: The Accountant Myth vs. Financial Advisors10:59 - Timing payouts around tax years: The December/January example13:30 - Taking ownership of your figures15:13 - Preview: Episode 6 and hidden costs

Season 5, Episode 5: In this episode of Season 5, Jack and Alex sit down with Bill Sexton, CEO of Trimont, the largest independent commercial real estate loan servicer in the US. With Trimont now touching roughly 11% of all CRE debt nationwide, Bill offers a rare look into the mechanics behind servicing, workouts, and credit decision-making at scale. Bill walks through how servicing actually works, why distress is emerging unevenly across multifamily, office, and lodging, and what the data is signaling beneath the headlines. The conversation also digs into extensions, refinancing risk, and how lenders are navigating the back half of this cycle. Shoutout to our sponsor, Bracket. The AI platform transforming how we underwrite deals. TOPICS 01:00 – Bill's Background and Entry Into Credit 06:30 – What Loan Servicers Actually Do 10:00 – Private vs. Public Credit Servicing 18:55 – Multifamily Stress Signals 26:40 – Office Risk and Capital Costs 31:40 – Lodging and Other Trouble Spots 38:45 – Extensions, Refinancing, and the Data 41:00 – Where We Are in the Cycle 46:50 – Culture, Scale, and Building Trimont For more episodes of No Cap by CRE Daily visit https://www.credaily.com/podcast/ Watch this episode on YouTube: https://www.youtube.com/@NoCapCREDaily About No Cap Podcast Commercial real estate is a $20 trillion industry and a force that shapes America's economic fabric and culture. No Cap by CRE Daily is the commercial real estate podcast that gives you an unfiltered ”No Cap” look into the industry's biggest trends and the money game behind them. Each week co-hosts Jack Stone and Alex Gornik break down the latest headlines with some of the most influential and entertaining figures in commercial real estate. About CRE Daily  CRE Daily is a digital media company covering the business of commercial real estate. Our mission is to empower professionals with the knowledge they need to make smarter decisions and do more business. We do this through our flagship newsletter (CRE Daily) which is read by 65,000+ investors, developers, brokers, and business leaders across the country. Our smart brevity format combined with need-to-know trends has made us one of the fastest growing media brands in commercial real estate.

Featured on WGN Radio's Home Sweet Home Chicago on 02/07/26: Executive Green Carpet Cleaning's Office Manager Kelly Mickley joins the program to discuss what makes Executive Green Carpet Cleaning different from their competitors. From their equipment, trustworthy family team, knowledge, and genuine goal to provide the best service in the Chicagoland area. Kelly also provides […]

Featured on WGN Radio's Home Sweet Home Chicago on 02/07/26: Dave Schlueter of the Law Offices of David R. Schlueter joins David Hochberg to discuss the importance of commercial leases and warns tenants committing to large financial obligations to secure a pre-approval or include a business-license contigency. To learn more about what Dave Schlueter can help you […]

Featured on WGN Radio's “Home Sweet Home Chicago” on Feb. 07, 2026: Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits, joins David Hochberg to discuss the five practical steps for shifting from saving to spending when in retirement. For more information, call 800-640-2256.

Năm 2021, Đô đốc Hải quân Mỹ Philip Davidson, khi đó là Tư lệnh Bộ Chỉ huy Ấn Độ Dương - Thái Bình Dương, đã điều trần trước Ủy ban Quân vụ Thượng viện Mỹ rằng Bắc Kinh đã đặt ra mục tiêu nghiêm túc là kiểm soát Đài Loan trước năm 2027. “Đài Loan rõ ràng là một trong những tham vọng của Trung Quốc trước thời điểm đó”, ông cảnh báo. “Và tôi nghĩ mối đe dọa này hiện hữu trong thập kỷ này, mà trên thực tế là trong sáu năm tới”.Xem thêm.

We started this week's show by chatting with Executive Green Carpet Cleaning's Office Manager Kelly Mickley on building trust in Chicago with their family-owned business. Next, Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits, talks about five practical steps for shifting from saving to spending in retirement. Then, Dave Schlueter of the Law Offices of David R. […]

#Bàigiảng của Đức TGM #GiuseNguyễnNăng trong thánh lễ Tạ ơn Cầu bình an cho năm mới - Liên Tu sĩ Tổng Giáo phận Sài Gòn do ngài chủ sự, cử hành lúc 9:00 ngày 7-2-2026 tại Trung tâm Mục vụ #TGPSG

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

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Các nghiên cứu liên quan đến Quân Giải phóng Nhân dân chỉ ra một nỗ lực phối hợp nhằm phát triển các bầy đàn drone tự động, sát thương, được thiết kế riêng cho tác chiến đô thị, với mục tiêu nhắm đến là Đài Loan. Hậu quả có thể sẽ rất thảm khốc.Xem thêm.

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.

Geoffrey Dohrmann, chairman and CEO at Institutional Real Estate, Inc., sits down with Tony Avila, founder and CEO at Avila Real Estate Capital, to discuss the size of the single-family housing market today and the demographics for homeownership, the home building sector, the difference between land-heavy and land-light, the left tail risk in investing in land development and if that risk can be mitigated, and more. (02/2026)

Stephen Grootes speaks to Jashwin Baijoo, Partner and Head of Strategic Engagement & Compliance at Tax Consulting SA about Project AmaBillions and whether it is beginning to translate into real collections. With SARS sitting on an undisputed tax debt book of more than R500 billion. In other interviews, Benay Sager of DebtBusters unpacks new data that shows South Africans are growing more confident, yet sinking deeper into debt as rising living costs continue to outpace income growth. The latest Debt Index reveals record reliance on high-interest loans, shrinking purchasing power, and mounting financial stress particularly among older and higher-earning consumers despite lower interest rates and easing inflation. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 See omnystudio.com/listener for privacy information.

Corporate loans signed when rates were low are increasingly hitting a wall as they come due, according to H.I.G Bayside. “There’s a level of discount in these stressed credits that we haven’t seen for a number of years,” Jackson Craig, who co-heads the credit-focused arm of H.I.G. Capital, tells Bloomberg News’ James Crombie and Bloomberg Intelligence’s Tim Riminton in this episode of the Credit Edge podcast. “The dislocations that are occurring and the discounts that original lenders are willing to take to shed troubled assets has grown,” says Craig, who focuses on distressed debt. They also discuss private credit defaults, trouble in the chemicals sector, forced selling by collateralized loan obligations and how liability management is adding pressure.See omnystudio.com/listener for privacy information.

Scott McDermott is joined by Andy Newport with all the analysis after Rangers 5-1 win against Kilmarnock at Ibrox and look forward to this weekend's Scottish Cup clash against Queen's Park.  This week's talking points: Was Danny Rohl right to have a go at Ibrox crowd for Killie jeers? Why Tuur Rommens had dream debut and is new fans' favourite. Should Rangers be try to get Mikey Moore back for a second loan stint next season? Why next week's double-header against Well and Hearts could define Gers' title challenge. Learn more about your ad choices. Visit podcastchoices.com/adchoices

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

When rents cool off, and your DSCR loan no longer pencils the way it did on paper, what's your best move: conventional, DSCR, or something else? In this episode of Chasing Financial Freedom, Ryan DeMent breaks down the good, bad, and ugly of conventional vs. DSCR loans, how falling rents and tighter DSCR ratios are exposing weak deals, and what smart investors are doing now with reserves, prepayment penalties, and rent underwriting so they can keep scaling without blowing up their portfolio.

FSA Programs, Loans and Online Communication Skills with Kansas 4-H Cattle Body Condition   00:01:05 – FSA Programs, Loans and Online: Beginning today's show is David Schemm, Kansas Farm Service Agency state executive director, as he highlights programs, loans and the new FSA online. Farmers.gov Login.gov   00:12:05 – Communication Skills with Kansas 4-H: Beth Hinshaw, Kansas 4-H youth development regional specialist, keeps the show going discussing developing communication skills with Kansas 4-H. Communication with Kansas 4-H Kansas4h.org   00:23:05 – Cattle Body Condition: Part of the Beef Cattle Institute's Cattle Chat podcast with Brad White, Bob Larson and Jason Warner ends the show as they converse about having poor body condition cattle and increasing their condition.  BCI Cattle Chat Podcast Bovine Science with BCI Podcast Email BCI at bci@ksu.edu     Send comments, questions or requests for copies of past programs to ksrenews@ksu.edu.   Agriculture Today is a daily program featuring Kansas State University agricultural specialists and other experts examining ag issues facing Kansas and the nation. It is hosted by Shelby Varner and distributed to radio stations throughout Kansas and as a daily podcast.   K‑State Extension is a short name for the Kansas State University Cooperative Extension Service, a program designed to generate and distribute useful knowledge for the well‑being of Kansans. Supported by county, state, federal and private funds, the program has county Extension offices statewide. Its headquarters is on the K‑State campus in Manhattan. For more information, visit www.ksre.ksu.edu. K-State Extension is an equal opportunity provider and employer.

The following guest sits down with host Justin White:•   Mike Miklaus – Broker-owner, Integrity MortgageConversations are the Lifeblood of Business for Mortgage Loan OriginatorsLocal mortgage brokers are winning market share, in part, because they are focused on relationships instead of transactions. To form those relationships, they need to have meaningful conversations with the people in their community. How can LOs form connections that lead to closings? Listen to Episode #115 of Good. Better. Broker. to find out why phone conversations need to be a staple of every originator's daily activity. In this episode of the Good. Better. Broker. podcast, you'll learn what questions to ask to build strong relationships with clients. In this episode, we discuss ...•   2:19 – why conversations are the lifeblood of a mortgage loan originator•   3:12 – why mortgage brokers are uniquely positioned to leverage relationships•   4:03 – Mike's love of helping people•   5:49 – doing self-assessments of your relationships•   7:12 – having an attitude of curiosity in conversations•   9:26 – how to be relational instead of transactional•   10:01 – how to not get caught up in ‘shiny object syndrome'•   12:37 – holding yourself accountable to have conversations•   14:37 – borrower needs and how to determine them•   15:47 – why making outbound calls makes business happen •   17:23 – why having more conversations leads to more loansShow Contributors:Mike MiklausConnect on LinkedIn Connect on Facebook Connect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of UWM Daily. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University. Connect with Justin on LinkedIn, Instagram, or Twitter Connect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

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/

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

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