Podcasts about moneylending

VC firms in India have been shifting their strategies, mirroring the cautious approach of private equity peers. The growth-at-any-cost mentality has faded post-2021. VCs are now focusing on startups with clear paths to profitability. Is this shift a temporary response to the funding winter, or a fundamental change in Indian venture investing? Are VCs now content with modest returns instead of high-risk, high-reward ventures? Apoorva Mittal speaks with Abhay Pandey of A91 Partners, Anand Lunia of India Quotient, and ET's in-house VC expert Digbijay Misra to explore these questions. Tune in to The Morning Brief to hear about the evolving landscape of venture capital in India!Check out other interesting episodes like -  How Nvidia Became the World's Most Valuable Company, Gold is Old: How Rich Indian Women Invest Now, Hyundai's Mega IPO, India's Big Bond Breakthrough, Why Are Banks Worried About RBI's New Project Finance Rules?, How Wall Street Algos are Eating Indian Option Traders' Lunch? and more! You can follow our host Apoorva Mittal on her social media: Twitter & Linkedin Catch the latest episode of ‘The Morning Brief' on ET Play, The Economic Times Online, Spotify, Apple Podcasts, JioSaavn,  Amazon Music and Google Podcasts.See omnystudio.com/listener for privacy information.

When applying for a loan, research and choose what best fits your investment needs, and one option to consider is the unsecured loan. This episode will cover what it means, how to apply for it, and why real estate investors most often prefer it. Tune in for more ways to finance your deals!   Resources mentioned in this episode YouTube Video: WHAT ARE UNSECURED LOAN?   Connect with Us To learn more about partnering with us, visit our website at https://javierhinojo.com/ and www.allstatescapitalgroup.com, or send an email to admin@allstateseg.com.  Sign up to get our Free Apartment Due Diligence Checklist Template and Multifamily Calculator by visiting https://javierhinojo.com/free-tools/. If you want to get involved in larger projects and grow your network with like-minded people, be part of the next BDB mastermind session in Guadalajara, Mexico on February 9 - 11, 2023. To join, go to https://javierhinojo.com/mastermind/ or https://javierhinojo.com/mm-spanish/ and to apply to his BDB Mastermind, see https://javierhinojo.com/mastermind/#apply_form and answer the form.   Follow Me on Social Media Facebook: Javier A Hinojo Jr. Facebook Group: Billion Dollar Multifamily and Commercial Real Estate YouTube Channel: Javier Hinojo Instagram: @javierhinojojr TikTok: @javierhinojojr Twitter: @JavierHinojoJr

In order to finance your real estate transactions, it's best to assess various loan options available to you. So, dive into this episode to understand what a secured loan means, how it works, and why it's a viable option for your funding needs!   Resources mentioned in this episode YouTube Video: WHAT ARE SECURED LOANS?   Connect with Us To learn more about partnering with us, visit our website at https://javierhinojo.com/ and www.allstatescapitalgroup.com, or send an email to admin@allstateseg.com.  Sign up to get our Free Apartment Due Diligence Checklist Template and Multifamily Calculator by visiting https://javierhinojo.com/free-tools/. If you want to get involved in larger projects and grow your network with like-minded people, be part of the next BDB mastermind session in Guadalajara, Mexico on February 9 - 11, 2023. To join, go to https://javierhinojo.com/mastermind/ or https://javierhinojo.com/mm-spanish/ and to apply to his BDB Mastermind, see https://javierhinojo.com/mastermind/#apply_form and answer the form.   Follow Me on Social Media Facebook: Javier A Hinojo Jr. Facebook Group: Billion Dollar Multifamily and Commercial Real Estate YouTube Channel: Javier Hinojo Instagram: @javierhinojojr TikTok: @javierhinojojr Twitter: @JavierHinojoJr

Hear from one of real estate's best when you tune in to this episode as we chat with mortgage loan officer Tracy Hayes. Keep listening to hear about the importance of making good loans and finding the best loan officer, plus a wild story that'll make you realize you need an investment sustainability plan!   Key takeaways to listen for Why you should have a real estate sustainability plan Strategies to avoid investing mistakes in volatile markets How much do loan officers have to make to be financially stable? The significance of finding the right loan officers   Resources mentioned in this episode Build Your Network Guestio Remax Capital Northeast Florida Association of REALTORS® Real Producers The Perfect Storm   About Tracy Hayes Tracy has over 20 years of professional experience in various sales and sales management positions. He has worked with start-up companies as well as large organizations and has been able to utilize those experiences in his work today.  For the first 13 years, he worked for the country's top 2 direct retail mortgage lenders. Originating thousands of mortgages from many different states, FHA, VA Fannie and Freddie Mac for clients from all demographics. Today he works for the lender of a National Publicly Traded Builder in one of the hottest Real Estate Markets in the country.   Connect with Tracy Facebook: Real Estate Excellence Podcast Podcast: Real Estate Excellence Instagram: @realestateexcellencepodcast LinkedIn: Tracy Hayes Phone: 904-814-9907   Connect with Leigh Please subscribe to this podcast on iTunes or the Podcasts App on your phone, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown. Subscribe to Leigh's other podcast Real Estate From The Rooftops   Sponsors Follow Up Boss Start your free, all-access trial today. There's no credit card required. For a limited time, Follow Up Boss is doubling the free trial for CSIRE listeners—that's a full 30 days to see how Follow Up Boss helps you close more deals. LINK: Followupboss.com/crazy Instagram: @followupboss Facebook Page: Follow Up Boss Website: https://www.fubcon.com/ #followupboss   Leigh Brown University – New On-Demand TrainingHow to Dominate During This Recession! Enroll Now to get ahead of the curve and learn how to manage changing markets, the action steps for what to do, and most importantly, what to say so that you can secure listings, assist more buyers, and grow your business no matter what the market is doing. Link: http://dominatethisrecession.com

On this episode of #PaisaVaisa, Anupam Gupta talks to Vinay Mathews- Founder and COO, Faircent. They discuss about the legality, regulations, licensing and digitization of P2P Lending under the RBI. They further discuss about Faircent which enables large numbers of customers and lenders come together developing a two-sided marketplace. Risk Assessment, Small and Long-term loans, finding the right financer, and much more on this episode of Paisa Vaisa!About the ShowPaisa Vaisa is India's leading podcast on personal finance with 2m+ downloads, 130+ hours of content and conversations, 150+ guests, and 300+ episodes. Since 2017, Paisa Vaisa has interviewed experts across the spectrum of personal finance covering diverse topics such as mutual funds, stocks, housing, loans, education, crypto, and much more. Listen in now to make smarter decisions with your money!Find more about Faircent on: www.faircent.comFind Vinay Mathews on Social MediaLinkedInTwitterGet in touch with our host Anupam Gupta on social media:TwitterLinkedInInstagram You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app.You can check out our website at https://www.ivmpodcasts.com/

Learn how to connect with the best lenders for commercial loans from an expert's perspective as Michael Coffee joins the show. Today, you'll discover what it's like to work with a capital advisor and the essentials to look for during transactions, so tune in and don't miss out on this conversation!   Key takeaways to listen for  Certain details about a property that you should never disregard The value of trusting your commercial mortgage broker  What's the usual timeframe when securing a commercial loan The best time to say that it's a good loan-to-value ratio How does StackSource provides its services   About Michael Coffee Michael has been involved in commercial real estate for almost 20 years in various capacities. He started as an analyst, being responsible for reviewing transactions and coordinating with the lender to package and document the loan file. Over a 10-year period, Michael applied his problem-solving skills to these transactions to help facilitate loan closings. That experience has led to Michael's transition from packaging loans to origination. Few loan officers have the knowledge depth given their history with every facet of the loan process. It sets him apart and makes him uniquely qualified to review loan scenarios for clients. Michael has lived in the Pacific Northwest his entire life and currently resides in Central Oregon with his wife and 2 children.   Connect with Michael Website: StackSource Get a Loan: refer.stacksource.com/Coffee LinkedIn: Michael Coffee   Connect with Us To learn more about partnering with us, visit our website at https://javierhinojo.com/ and www.allstatescapitalgroup.com, or send an email to admin@allstateseg.com.  Sign up to get our Free Apartment Due Diligence Checklist Template and Multifamily Calculator by visiting https://javierhinojo.com/free-tools/. To join Javier's Mastermind, go to https://javierhinojo.com/mastermind/ and to apply to his BDB Mastermind, see https://javierhinojo.com/mastermind/#apply_form and answer the form.   Follow Me on Social Media Facebook: Javier A Hinojo Jr. Facebook Group: Billion Dollar Multifamily and Commercial Real Estate YouTube Channel: Javier Hinojo Instagram: @javierhinojojr TikTok: @javierhinojojr Twitter: @JavierHinojoJr

You can secure bigger commercial loans for your next investment with just three steps, and you'll know how through this episode! Tune in to discover how to get the best lenders within your market, the valuable role of a loan broker, and more!   Key takeaways to listen for The reason why smaller loans are harder to close How do you qualify for a huge amount of loan   Resources mentioned in this episode YouTube Video: 3 STEPS TO $4,000,000 LOAN   Connect with Us To learn more about partnering with us, visit our website at https://javierhinojo.com/ and www.allstatescapitalgroup.com, or send an email to admin@allstateseg.com.  Sign up to get our Free Apartment Due Diligence Checklist Template and Multifamily Calculator by visiting https://javierhinojo.com/free-tools/. To join Javier's Mastermind, go to https://javierhinojo.com/mastermind/ and to apply to his BDB Mastermind, see https://javierhinojo.com/mastermind/#apply_form and answer the form.   Follow Me on Social Media Facebook: Javier A Hinojo Jr. Facebook Group: Billion Dollar Multifamily and Commercial Real Estate YouTube Channel: Javier Hinojo Instagram: @javierhinojojr TikTok: @javierhinojojr Twitter: @JavierHinojoJr

On this episode of #PaisaVaisa, Anupam talks to Indradeep Ghosh- Executive Director, Dvara Research, a non-profit public policy and research advocacy. Dr Ghosh discusses his research insights on increase in credit offerings to the low-income section in India, and the problems it has created including farmer suicides, along with improving their lives. Furthering his insights on the BNPL industry, the phenomenon of hidden costs, and the importance of educating customers. BNPL vs Credit Cards, BNPL pricing policy, processing fees, Interest rates and much more on this episode of Paisa Vaisa!You can access the report by Dvara Research here.About the ShowPaisa Vaisa is India's leading podcast on personal finance with 1m+ downloads, 130+ hours of content and conversations, 150+ guests, and 300+ episodes. Since 2017, Paisa Vaisa has interviewed experts across the spectrum of personal finance covering diverse topics such as mutual funds, stocks, housing, loans, education, crypto, and much more. Listen in now to make smarter decisions with your money!You can know more about Dvara Research on:Website: https://www.dvara.com/You can find Indradeep Ghosh onLinkedIn: linkedin.com/in/indradeep-ghosh-371b81126Twitter: https://twitter.com/dvararesearchGet in touch with our host Anupam Gupta on social media:Twitter: ( https://twitter.com/b50 )Instagram: ( https://www.instagram.com/b_50/ )Linkedin: (https://www.linkedin.com/in/anupam9gupta/ )You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app.You can check out our website at https://www.ivmpodcasts.com/

If you're struggling with funding your real estate deals, we invited an expert to give you the solution! Learn the best financing options from Gary Brown, a hard money broker, talking about the assistance that he can offer to people and his advice on leveraging funding options. Whether you're a wholesaler or an investor in any asset class, we got this episode for you!   Key Takeaways From This Episode How private money and hard money lending works The lending process and communication between borrowers and hard money brokers Rental property loans: Expectations and amortization on this type of lending Biggest mistakes wholesalers should avoid when doing deals The importance of delegating responsibilities to elevate  References/Links MentionedFunding Commercial Deals Banks Won't Do with Jack Miller   About Gary Brown Gary Brown is a nationwide private money and hard money broker at Locklin Capital LLC. He's an investor and he's got years of experience as an acquisition manager and as a wholesaler at Revamp 365 and LaPlace Transforms. Gary is an Owner at ASB Property Management LLC. He was a Sales Coordinator at OKC Property Buyers, a Business Development Advisor at Iron Mountain, an Inside Sales/Event Coordinator at Sila Heating & Air Conditioning, and an Outbound Marketer at Power Home Remodeling Group. He took his B.S. Degree at the University of South Carolina-Columbia. Connect with Gary Facebook: Gary Brown   Neil J. Timmins is on a mission to make a deep personal impact in the lives of his team members and business partners through his work as a real estate investor and mentor. He started as a traditional real estate agent where his team was recognized by the Wall Street Journal as a Top 100 team. Eventually, he made the transition from Realtor to full time investor.  Over the course of his career, Neil has been involved in over $300,000,000 in real estate transactions. Neil's portfolio depth includes assets ranging from houses to industrial properties. Recently, Neil and his team launched the Legacy Impact Partner Program where they partner with fix and flip investors from around the country. Neil's team brings capital to fund and fix rehabs, operational expertise, and years of experience catapulting their partner's business to new heights. Want to partner? You can learn more and book a call with Neil at www.LegacyImpactPartners.com.   If you're a real estate investor looking to take your business to the next level, join the 5-Day 20x Profit Challenge for FREE by visiting https://www.20xprofitchallenge.com/realgrit.   Connect with Neil Website: Real Grit LinkedIn: Neil J. Timmins Facebook: Neil Timmins

Today, we got the man who experienced it all and thrived through historic recessions since the 1980s. Financial expert Jack Miller highlights what they do differently in the market, their mission to change lives financially, and some advice on overcoming your fear of grabbing opportunities despite market changes. If you're worried about funding your deals, we got you in this episode!   Key Takeaways from this episode Gelt Financial: How it started, what it offers to the commercial investing space and what it does differently in the market Why is it important for investors to do due diligence and research? What makes real estate a competitive investment despite rising interest rates Several aspects contributing to a resilient mindset Good qualities of people and team that build a business success The kind of mindset that investors must avoid References/Links Mentioned The Man In The Arena Quotes by Theodore Roosevelt    About Jack Miller Jack Miller has spent a lifetime in the world of Finance, Commercial Mortgage & Real Estate Investing world and has loved most of it. He founded and has been the driving force for numerous financial service companies. He has lived and survived many market cycles and overcame them. He's focused and battle-tested. President and Founder of Gelt Financial, LLC a national private mortgage-banking firm. That focus on non-bank, private and opportunistic commercial, and residential investment mortgages. Started Gelt Charitable Foundation what deals puts on Suicide Prevention and Mental Health workshops throughout the world. Some of Jack's specialties are Commercial Real Estate Investments, Commercial and Real Estate Investment Financing, Specialty Financing, DIP Financing, Business Financing, Equipment Financing, Tax liens, Loan Workouts, Restructuring, Accounts Receivable and Factoring, Property Management, Chapter 11 Bankruptcy, Discounted Note Purchase Financing, Distressed Debt purchases, Loan workouts, preferred equity and mezzanine Recapitalization. Partnership structures, LP and GP Investing. TIC Investing, Non traded minority interests in partnerships, they are both debt and equity providers. Connect with Jack Website: Gelt Financial YouTube: Gelt Financial   Neil J. Timmins is on a mission to make a deep personal impact in the lives of his team members and business partners through his work as a real estate investor and mentor. He started as a traditional real estate agent where his team was recognized by the Wall Street Journal as a Top 100 team. Eventually, he made the transition from Realtor to full time investor.  Over the course of his career, Neil has been involved in over $300,000,000 in real estate transactions. Neil's portfolio depth includes assets ranging from houses to industrial properties. Recently, Neil and his team launched the Legacy Impact Partner Program where they partner with fix and flip investors from around the country. Neil's team brings capital to fund and fix rehabs, operational expertise, and years of experience catapulting their partner's business to new heights. Want to partner? You can learn more and book a call with Neil at www.LegacyImpactPartners.com. Connect with Neil Website: Real Grit LinkedIn: Neil J. Timmins Facebook: Neil Timmins

When applying for your next loan, it's important to be more strategic; that's why in this episode, we will share a secret about getting loans under your name and credit profile without counting against your DTI. Start securing loans smartly to reduce your worries by tuning in! Key takeaways to listen for  How the ‘debt-to-income' (DTI) ratio works The first step to do before applying for a loan Helpful tips to avoid your loans from affecting your DTI Resources mentioned in this episode YouTube Video: SHHH... MOST PEOPLE DON'T KNOW THIS!   Connect with Us To learn more about partnering with us, visit our website at https://javierhinojo.com/ and www.allstatescapitalgroup.com, or send an email to admin@allstateseg.com.  Sign up to get our Free Apartment Due Diligence Checklist Template and Multifamily Calculator by visiting https://javierhinojo.com/free-tools/. To join Javier's Mastermind, go to https://javierhinojo.com/mastermind/ and to apply to his BDB Mastermind, see https://javierhinojo.com/mastermind/#apply_form and answer the form. Follow Me on Social Media Facebook: Javier A Hinojo Jr. Facebook Group: Billion Dollar Multifamily and Commercial Real Estate YouTube Channel: Javier Hinojo Instagram: @javierhinojojr TikTok: @javierhinojojr Twitter: @JavierHinojoJr

Everyone's been talking about the interest rates skyrocketing, but for the sixth part of our episode series, we will share a simple comfort zone test for you to get rid of fear-driven investment decisions. Elevate your perspective, embrace changes, and convert your fears to opportunities. Stay tuned!  Key takeaways to listen for  The usual reaction to loans with a high interest How beneficial it is to look at things from a different viewpoint Why you should stop passing on opportunities Resources mentioned in this episode Landlording On Autopilot by Mike Butler | Paperback   Connect With Us To learn how to consistently buy real estate working just 5 hours a week, click here. Follow Mike on Social Media Facebook: Mike Butler LinkedIn: Mike Butler Instagram: @mikebutlerusa Twitter: @MikeButlerUSA

Have you heard of ways to buy real estate with no money down? This episode will make you see real estate as the next big thing for your personal goals, as we have David Dodge. He shares how he utilizes resources and options to buy properties and the critical role of a marketing strategy in finding good deals. Absorb much knowledge as you can and stay tuned!Key Takeaways To Listen ForWays to buy properties without using your own savingsDifferent options to pay off money lendersHow to make sure you're buying and investing in a good dealThings to look at when finding properties to holdEffective real estate exit strategiesGreat advice on achieving your investment goalsResources Mentioned In This EpisodeMLS.COMFree Apartment Syndication Due Diligence Checklist for Passive Investor About David Dodge“Keep the Best and Wholesale the rest.” That's the motto of David Dodge, a killer Investor from St. Louis, MO. He's on the show today dropping some real nuggets for real estate investors of all kinds. David is on fire right now, doing wholesales, fixes, and flips, and is also a landlord. David started wholesaling properties early on but quickly realized there was a better way to do this business. That's where the inspiration for David's real estate investment strategy came from, and it's really evolved over the past decade.Connect with DavidWebsite: Wholesaling Inc.Podcast: Discount Property Investor PodcastFacebook: David DodgeInstagram: @davidalandodgeTo Connect With UsPlease visit our website: www.bonavestcapital.com and please click here, to leave a rating and review!SponsorsGrow Your Show, LLCThinking About Creating and Growing Your Own Podcast But Not Sure Where To Start?Visit GrowYourShow.com and Schedule a call with Adam A. Adams.

In this episode, you'll discover something in real estate you rarely hear about, real estate notes. Join us in this very eye-opening conversation as Nick Legamaro talks about the advantages of real estate notes investing and how it works. Stay tuned to learn more! Key Takeaways from this episode Disadvantages of investing in rental properties How to buy, sell, or make mortgage notes Common mistakes mortgage note makers do Advantages of being a mortgage lender Hard money lender vs. private lender References/Links Mentioned Zillow   About Nick Legamaro Nick Legamaro is also known as the Nick the Note Guy. Nick has been investing in real estate since 2011. He has done just about anything to do in real estate. He has even experienced the crash firsthand in 2008 and lived to talk about it! Nick also founded USANotePro.com, an online portal designed for real estate and note investors looking to create, buy or sell mortgage notes secured by residential real estate. Connect with Nick USA NotePro Creative DealMaker   Neil J. Timmins is on a mission to make a deep personal impact in the lives of his team members and business partners through his work as a real-estate investor and mentor. He started as a traditional real estate agent where his team was recognized by the Wall Street Journal as a Top 100 team. Eventually, he made the transition from Realtor to full time investor.  Over the course of his career, Neil has been involved in over $300,000,000 in real estate transactions. Neil's portfolio depth includes assets ranging from houses to industrial properties. Recently, Neil and his team launched the Legacy Impact Partner Program where they partner with fix and flip investors from around the country. Neil's team brings capital to fund and fix rehabs, operational expertise, and years of experience catapulting their partner's business to new heights. Want to partner? You can learn more and book a call with Neil at www.LegacyImpactPartners.com. Connect with Neil Website: Real Grit LinkedIn: Neil J. Timmins Facebook: Neil Timmins

If you're an active real estate investor looking for funding or just ready to deploy capital passively, we've got the episode for you! Heather Dreves explores the non-traditional financing world. Let's delve into topics about having skin in the game, flexible options for your investments, affordable housing programs, and an insane tenant story that led her to love flipping houses. Key takeaways to listen for Definition of private money advice to people with a low-risk investment profile  Qualifications and factors to consider when signing up for private money Cost difference of traditional vs non-traditional financing What are the contributions of investors in the community?   About Heather Dreves Heather Dreves is the Director of Funding at Secured Investment Corp. She is a tenured employee that has worked in the Private Money Industry for over 15 years and held her Series 63 license. Heather has been directly involved in the sale of over 75 million dollars in Trust Deed Mortgages and raised over 10 million in Secured Investment Corps High Yield Equity Funds. She has had experience in assisting underwriting, managing the Cogo and Servicing team in addition to Investor Relations. Connect with Heather Website: Secured Investment Corp Facebook: Secured Investment Corp Linkedin: Heather Dreves Email: hdreves@securedinvestmentcorp.com   Connect with Leigh Please subscribe to this podcast in iTunes or in the Podcasts App on your phone, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram or on Twitter or any social networks by clicking here. Subscribe to Leigh's other podcast Real Estate From The Rooftops! Sponsor Start your free, all-access trial today. There's no credit card required. For a limited time, Follow Up Boss is doubling the free trial for CSIRE listeners—that's a full 30 days to see how Follow Up Boss helps you close more deals. LINK: Followupboss.com/crazy

Explore more opportunities from mortgage note investing as James Maffuccio gives us extra knowledge on how it works and how buying non-performing second mortgages allowed him to create a win-win outcome for businesses, lenders, and homeowners.Key Takeaways To Listen ForWhy you should pursue your passion in real estateMortgage note: How it works and how to sell it 2 primary ways for the borrower to pay a mortgageWhat is the initial holding period on this fundPros and cons of investing in mortgage notesTips to learn how to invest in mortgage notesResources Mentioned In This EpisodeFree Apartment Syndication Due Diligence Checklist for Passive InvestorAbout James Maffuccio Mr. Maffuccio is a 30-year real estate veteran and an expert in mortgage notes. He is deeply networked in the secondary mortgage industry and is responsible for acquisitions and underwriting as well as relationships with primary sources and key vendors. From 1986 to present, Mr. Maffuccio has been engaged full time in the real estate development and investment industry. In addition, he has overseen several hundred purchases, sales, and/or financing transactions, and has been a licensed real estate agent since 1985. During his real estate career, Mr. Maffuccio developed, and/or rehabbed multiple residential projects in Southern California, including infill subdivisions, affordable homes, luxury homes and homesites, multifamily, and planned developments, such as the Gold Nugget Award-winning “Traditions” community in Fillmore. Mr. Maffuccio has personally executed and/or managed every aspect of the development process, including site selection and acquisition, project conceptualization and design, procurement of entitlements and permits, regulatory compliance, entity structuring and capitalization, construction management, marketing, sales, and investor relations.In 2009, Mr. Maffuccio began investing in mortgage loans, developing key sources and vendors and applying his extensive real estate experience to the note investment space. In 2012 Maffuccio co-founded Aspen Funds, a fund management company focused on mortgage investments.Connect with JamesWebsite: Aspen FundsPodcast: Invest Like A BillionaireTo Connect With UsPlease visit our website: www.bonavestcapital.com and please click here, to leave a rating and review!SponsorThinking About Creating and Growing Your Own Podcast But Not Sure Where To Start?Visit GrowYourShow.com and Schedule a call with Adam A. Adams

In this episode, you'll learn how selling old property and acquiring a more accommodating home with a fixed-rate loan is more likely to bring monetary sustainability. Stay tuned! Key takeaways to listen for How to provide financial guidance to your family Things to keep in mind when helping a family member to sell a property  Understanding what a fixed-rate loan can offer   Connect With Us To learn how to consistently buy real estate working just 5 hours a week, click here. Follow Mike on Social Media Facebook: Mike Butler LinkedIn: Mike Butler Instagram: @mikebutlerusa Twitter: @MikeButlerUSA

How can you use the current market conditions to achieve your real estate investing goals? In today's episode, you'll learn how to layout your foundation using simple and effective strategies. Key takeaways to listen for 5 must-have tools for real estate investors  Ways to borrow money and fund your deals When to start an offer Resources mentioned in this episode To get a FREE Carrot Investor Website, join Mike Butler's Gold Membership by clicking this link. Zoo Printing   Connect With Us To learn how to consistently buy real estate working just 5 hours a week, click here. Follow Mike on Social Media Facebook: Mike Butler LinkedIn: Mike Butler Instagram: @mikebutlerusa Twitter: @MikeButlerUSA

Moneylending was serious business in the Middle Ages. You could be risking your very soul! Lucie Laumonier talks with Sama Mammadova, a PhD candidate at Harvard University, who studies the history of usury and moneylending in fourteenth and fifteenth-century Italy. How did medieval moneylenders reconcile their business with the fear of sin? Learn more about this podcast on Medievalists.net

Episode 129: Apologies for some technical glitches; they go away after awhile. In this episode, David talks with Ajay and Sebastian about Rethinking Markets in Modern India (https://doi.org/10.1017/9781108762533), a book they co-edited with two other academics. In this conversation, David learned that the most important element for rethinking is the role of social norms, relations and embeddedness in markets that are rarely 100% transaction oriented. Ajay Gandhi is an anthropologist and assistant professor in the Faculty of Governance and Global Affairs at Leiden University. From 2011 to 2017, he was a research scientist at the Max Planck Institute for the Study of Religious and Ethnic Diversity in Göttingen. He has conducted research primarily in urban India, and has published articles and book chapters on migration, materiality, space, the state, and transactional forms. Sebastian Schwecke (https://mwsibo.hypotheses.org/people-new/dr-sebastian-schwecke) received his Ph.D. from Leipzig University in 2010 in political science with a study on the political economy of Hindu nationalist and Islamist movements. Before joining Max Weber Foundation (where he's now the head of the India branch office), he was an associate professor at the Indian Institute of Management Calcutta. His main interests relate to the study of markets and exchange, credit/debt and speculation, extra-legality, uncertainty, trust, hope, calculability, and reputation as well as labour and skill. Moneylending article https://www.nytimes.com/2021/03/26/business/india-lending-apps.html David's review or Era of Darkness https://one-handed-economist.com/?p=516

Today we're going to have a foundational episode, laying the framework for further episodes on digital piracy, venture capital, accelerators, Bitcoin, PayPal, Square, and others. I'll try to keep from dense macro and micro economics but instead just lay out some important times from antiquity to the modern financial system so we can not repeat all this in those episodes. I apologize to professionals in these fields whose life work I am about to butcher in oversimplification.  Like a lot of nerds who found myself sitting behind a keyboard writing code, I read a lot of science fiction growing up. There are dystopian and utopian outlooks on what the future holds for humanity give us a peak into what progress is. Dystopian interpretations tell of what amount to warlords and a fragmentation of humanity back to what things were like thousands of years ago. The utopian interpretations often revolve around questions about how society will react to social justice, or a market in equilibrium. The dystopian science fiction represents the past of economics and currency. And the move to online finances and digital currency tracks against what science fiction told us was coming in a future more utopian world. My own mental model of economics began with classes on micro and macro economics in college but evolved when I was living in Verona, Italy. We visited several places built by a family called the Medici's. I'd had bank accounts up until then but that's the first time I realized how powerful banking and finance as an institution was. Tombs, villas, palaces. The Medici built lasting edifices to the power of their clan. They didn't invent money, but they made enough to be on par with the richest modern families.  It's easy to imagine humans from the times of hunter-gatherers trading an arrowhead for a chunk of meat. As humanity moved to agriculture and farming, we began to use grain and cattle as currency. By 8000 BC people began using tokens for trade in the Middle East. And metal objects came to be traded as money around 5,000 BC. And around 3,000 PC we started to document trade. Where there's money and trade, there will be abuse. By 1,700 BC early Mesopotamian even issued early regulations for the banking industry in the Code of Hammurabi. By then private institutions were springing up to handle credit, deposits, interest, and loans. Some of which was handled on clay tablets.  And that term private is important. These banking institutions were private endeavors. As the Egyptian empire rose, farmers could store grain in warehouses and then during the Ptolemeic era began to trade the receipts of those deposits. We can still think of these as tokens and barter items though. Banking had begun around 2000 BC in Assyria and Sumeria but these were private institutions effectively setting their own splintered and sometimes international markets. Gold was being used but it had to be measured and weighed each time a transaction was made.  Until the Lydian Stater. Lydia was an empire that began in 1200 BC and was conquered by the Persians around 546 BC. It covered the modern Western Anatolia, Salihli, Manisa, and Turkey before the Persians took it. One of their most important contributions to the modern world was the first state sponsored coinage, in 700BC. The coins were electrum, which is a mix of gold and silver.  And here's the most important part. The standard weight was guaranteed by an official stamp. The Lydian king Croesus then added the concept of bimetallic coinage. Or having one coin made of gold and the other of silver. Each had a different denomination where the lower denomination was one dozen of the higher. They then figured out a way to keep counterfeit coins off the market with a Lydian stone, the color of which could be compared to other marks made by gold coins. And thus modern coinage was born. And the Lydian merchants became the merchants that helped move goods between Greece and Asia, spreading the concept of the coin. Cyrus the second defeated the Lydians and Darius the Great would issue the gold daric, with a warrior king wielding a bow. And so heads of state adorned coins.  As with most things in antiquity, there are claims that China or India introduced coins first. Bronzed shells have been discovered in the ruins of Yin, the old capital of the Shang dynasty dating back hundreds of years before the Lydians. But if we go there this episode will be 8 hours long.  Exodus 22:25-27 “If you lend money to my people—to any poor person among you—never act like a moneylender. Charge no interest.” Let's put that bible verse in context. So we have coins and banks. And international trade. It's mostly based on the weight of the coins. Commerce rises and over the centuries banks got so big they couldn't be allowed to fail without crashing the economy of an empire. Julius Caeser expands the empire of Rome and gold flows in from conquered lands. One thing that seems constant through history is that interest rates from legitimate lenders tend to range from 3 to 14 percent. Anything less and you are losing money. Anything more and you've penalized the borrower to the point they can't repay the loan. The more scarce capital the more you have to charge. Like the US in the 80s. So old Julius meets an untimely fate, there are wars, and Augustus manages to solidify the empire and Augustus reformed taxes and introduced a lot of new services to the state, building roads, establishing a standing army, the Praetorian Guard, official fire fighting and police and established a lot of the old Roman road systems through the empire that Rome is now known so well for. It was an over 40 year reign and one of the greatest in history. But greatness is expensive.  Tiberius had to bail out banks and companies in the year 33. Moneylending sucks when too many people can't pay you back. Augustus had solidified the Roman Empire and by the time Tiberius came around Rome was a rich import destination. Money was being leant abroad and interest rates and so there was less and less gold in the city. Interest rates had plummeted to 4 percent. Again, we're in a time when money is based on the weight of a coin and there simply weren't enough coins in circulation due to the reach of the empire. And so for all my Libertarian friends - empires learned the hard way that business and commerce are essential services and must be regulated. If money cannot be borrowed then crime explodes. People cannot be left to starve. Especially when we don't all live on land that can produce food any more.  Any time the common people are left behind, there is a revolt. The more the disparity the greater the revolt. The early Christians were heavily impacted by the money lending practices in that era between Julius Caeser and Tiberius and the Bible as an economic textbook is littered with references to usury, showing the blame placed on emerging financial markets for the plight of the commoner. Progress often involves two steps forward and one back to let all of the people in a culture reap the rewards of innovations.   The Roman Empire continued on gloriously for a long, long time. Over time, Rome fell. Other empires came and went. As they did, they minted coins to prove how important the ruling faction was. It's easy to imagine a farmer in the dark ages following the collapse of the Roman Empire dying and leaving half of the farm to each of two children. Effectively each owns one share. That stock can then be used as debt and during the rise of the French empire, 12th century courretiers de change found they could regulate debts as brokers. The practice grew.  Bankers work with money all day. They get crafty and think of new ways to generate income. The Venetians were trading government securities and in 1351 outlawed spreading rumors to lower the prices of those - and thus market manipulation was born. By 1409 Flemish traders began to broker the trading of debts in Bruges at an actual market. Italian companies began issuing shares and joint stock companies were born allowing for colonization of the American extensions to European powers. That colonization increased the gold supply in Europe five fold, resulting in the first great gold rush.  European markets, flush with cash and speculation and investments, grew and by 1611 in Amsterdam the stock market was born. The Dutch East India Company sold shares to the public and brought us options, bonds and derivatives. Dutch perpetual bonds were introduced and one issued in 1629 is still paying dividends. So we got the bond market for raising capital.  Over the centuries leading to the industrial revolution, banking, finance, and markets became the means with which capitalism and private property replaced totalitarian regimes, the power of monarchs, and the centralized control of production. As the markets rose, modern economics were born, with Adam Smith codifying much of the known works at that point, including those from French physiocrats. The gold standard began around 1696 and gained in popularity. The concept was to allow paper money to be freely convertible into a pre-defined amount of gold. Therefore, paper money could replace gold and still be backed by gold just as it was in antiquity. By 1789 we were running a bit low on gold so introduced the bimetallic standard where silver was worth one fifteenth of gold and a predefined market ratio was set.   Great thinking in economics goes back to antiquity but since the time of Tiberius, rulers had imposed regulation. This had been in taxes to pay for public goods and bailing out businesses that had to get bailed out - and tariffs to control the movement of goods in and out of a country. To put it simply, if too much gold left the country, interest rates would shoot up, inflation would devalue the ability to buy goods and as people specialized in industries, those who didn't produce food, like the blacksmiths or cobblers, wouldn't be able to buy food. And when people can't buy food, bad things happen.  Adam Smith believed in self-regulation though, which he codified in his seminal work Wealth of Nations, in 1776. He believed that what he called the “invisible hand” of the market would create economic stability, which would lead to prosperity for everyone. And that became the framework for modern capitalistic endeavors for centuries to come. But not everyone agreed. Economics was growing and there were other great thinkers as well.  Again, things fall apart when people can't get access to food and so Thomas Malthus responded with a theory that the rapidly growing populations of the world would outgrow the ability to feed all those humans. Where Smith had focused on the demand for goods, Malthus focused on scarcity of supply. Which led to another economist, Karl Marx, to see the means of production as key to providing the Maslovian hierarchy. He saw capitalism as unstable and believed the creation of an owner (or stock trader) class and a working class was contrary to finding balance in society. He accurately predicted the growing power of business and how that power would control and so hurt the worker at the benefit of the business. We got marginalize, general equilibrium theory, and over time we could actually test theories and the concepts that began with Smith became a science, economics, with that branch known as neoclassical. Lots of other fun things happen in the world. Bankers begin instigating innovation and progress. Booms or bull markets come, markets over index and/or supplies become scarce and recessions or bear markets ensue. Such is the cycle. To ease the burdens of an increasingly complicated financial world, England officially adopted the gold standard in 1821 which led to the emergence of the international gold standard, adopted by Germany in 1871 and by 1900, most of the world. Gaining in power and influence, the nations of the world stockpiled gold up until World War I in 1914. The international political upheaval led to a loss of faith in the gold standard and the global gold supply began to fall behind the growth in the global economy.  JP Morgan dominated Wall Street in what we now called the Gilded age. He made money by reorganizing and consolidating railroad businesses throughout America. He wasn't just the banker, he was the one helping become more efficient, digging into how the businesses worked and reorganizing and merging corporate structures. He then financed Edison's research and instigated the creation of General Electric. He lost money investing on a Tesla project when Tesla wanted to go wireless. He bought Carnegie Steel in 1901, the first modern buyout that gave us US Steel. The industrialists from the turn of the century increased productivity at a rate humanity had never seen. We had the biggest boom market humanity had ever seen and then when the productivity gains slowed and the profits and earnings masked the slowdown in output a bubble of sorts formed and the market crashed in 1929.  These markets are about returns on investments. Those require productivity gains as they are usually based margin, or the ability to sell more goods without increasing the cost - thus the need for productivity gains. That crash in 1929 sent panic through Wall Street and wiped out investors around the world. Consumer confidence, and so spending and investment was destroyed. With a sharp reduction needed in supply, industrial output faltered and workers were laid off, creating a vicious cycle.  The crash also signaled the end of the gold standard. The pound and franc were mismanaged, commodity prices, new power Germany was having trouble repaying war debts, commodity prices collapsed, and thinking a reserve of gold would keep them legitimate, countries raised interest rates, further damaging the global economy. High interest rates reduce investment. England finally suspended the gold standard in 1931 which sparked  other countries to do the same, with the US raising the number of dollars per ounce of gold from $20 to $35 and so obtaining enough gold to back the US dollar as the de facto standard.  Meanwhile, science was laying the framework for the next huge boom - which would be greater in magnitude, margins, and profits. Enter John Maynard Keynes and Keynesian economics, the rise of macroeconomics. In a departure from neoclassical economics he believed that the world economy had grown to the point that aggregate supply and demand would not find equilibrium without government intervention. In short, the invisible hand would need to be a visible hand by the government. By then, the Bolsheviks had established the Soviet Union and Mao had founded the communist party in China. The idea that there had been a purely capitalist society since the time the Egyptian government built grain silos or since Tiberius had rescued the Roman economy with bailouts was a fallacy. The US and other governments began spending, and incurring debt to do so, and we began to dig the world out of a depression. But it took another world war to get there. And that war did more than just end the Great Depression. World War II was one of the greatest rebalancing of powers the world has known - arguably even greater than the fall of the Roman and Persian empires and the shift between Chinese dynasties. In short, we implemented a global world order of sorts in order to keep another war like that from happening. Globalism works for some and doesn't work well for others. It's easy to look on the global institutions built in that time as problematic. And organizations like the UN and the World Bank should evolve so they do more to lift all people up, so not as many around the world feel left behind.  The systems of governance changed world economics.The Bretton Woods Agreement would set the framework for global currency markets until 1971. Here, all currencies were valued in relation to the US dollar which based on that crazy rebalancing move now sat on 75% of the worlds gold. The gold was still backed at a rate of $35 per ounce. And the Keynesian International Monetary Fund would begin managing the balance of payments between nations. Today there are 190 countries in the IMF Just as implementing the gold standard set the framework that allowed the investments that sparked capitalists like JP Morgan, an indirect financial system backed by gold through the dollar allowed for the next wave of investment, innovation, and so productivity gains. This influx of money and investment meant there was capital to put to work and so bankers and financiers working with money all day derived new and witty instruments with which to do so. After World War II, we got the rise of venture capital. These are a number of financial instruments that have evolved so qualified investors can effectively make bets on a product or idea. Derivatives of venture include incubators and accelerators.  The best example of the early venture capital deals would be when Ken Olson and Harlan Anderson raised $70,000 in 1957 to usher in the age of transistorized computing. DEC rose to become the second largest computing company - helping revolutionize knowledge work and introduce a new wave of productivity gains and innovation. They went public in 1968 and the investor made over 500 times the investment, receiving $38 million in stock. More importantly, he stayed friends and a confidant of Olson and invested in over 150 other companies.  The ensuing neoclassical synthesis of economics basically informs us that free markets are mostly good and efficient but if left to just Smith's invisible hand, from time to time they will threaten society as a whole. Rather than the dark ages, we can continue to evolve by keeping markets moving and so large scale revolts at bay. As Aasimov effectively pointed out in Foundation - this preserves human knowledge. And strengthens economies as we can apply math, statistics, and the rising computers to help apply monetary rather than fiscal policy as Friedman would say, to keep the economy in equilibrium.  Periods of innovation like we saw in the computer industry in the post-war era always seem to leave the people the innovation displaces behind. When enough people are displaced we return to tribalism, nationalism, thoughts of fragmentation, and moves back into the direction of dystopian futures. Acknowledging people are left behind and finding remedies is better than revolt and retreating from progress - and showing love to your fellow human is just the right thing to do. Not doing so creates recessions like the ups and downs of the market in the years as gaps between innovative periods formed. The stock market went digital in 1966, allowing more and more trades to be processed every day. Instinet was founded in 1969 allowing brokers to make after hour trades. NASDAQ went online in 1970, removing the floor or trading market that had been around since the 1600s. And as money poured in, ironically gold reserves started to go down a little. Just as the Romans under Tiberius saw money leave the country as investment, US gold was moving to other central banks to help rebuild countries, mostly those allied with NATO, to rebuild their countries. But countries continued to release bank notes to pay to rebuild, creating a period of hyperinflation. As with other times when gold became scarce, interest rates became unpredictable, moving from 3 to 17 percent and back again until they began to steadily decline in 1980.  Gold would be removed from the London market in 1968 and other countries began to cash out their US dollars for gold. Belgium, the Netherlands, then Britain cashed in their dollars for gold, and much as had happened under the reign of Tiberius, there wasn't enough to sustain the financial empires created. This was the turning point for the end of the informal links back to the gold standard. By 1971 Nixon was forced to sever the relationship between the dollar and gold and the US dollar, by then the global standard going back to the Bretton Woods Agreement, became what's known as fiat money. The Bretton Woods agreement was officially over and the new world order was morphing into something else. Something that was less easily explainable to common people. A system where the value of currency was based not on the link to gold but based on the perception of a country, as stocks were about to move from an era of performance and productivity to something more speculative. Throughout the 80s more and more orders were processed electronically and by 1996 we were processing online orders. The 2000s saw algorithmic and high frequency trading. By 2001 we could trade in pennies and the rise of machine learning created billionaire hedge fund managers. Although earlier versions were probably more just about speed. Like if EPS is greater than Expected EPS and guidance EPS is greater than EPS then buy real fast, analyze the curve and sell when it tops out. Good for them for making all the moneys but while each company is required to be transparent about their financials, the high frequency trading has gone from rewarding companies with high earnings to seeming like more a social science where the rising and falling was based on confidence about an industry and the management team. It became harder and harder to explain how financial markets work. Again, bankers work with money all day and come up with all sorts of financial instruments to invest in with their time. The quantity and types of these became harder to explain. Junk bonds, penny stocks, and to an outsider strange derivatives. And so moving to digital trading is only one of the ways the global economy no longer makes sense to many.  Gold and other precious metals can't be produced at a rate faster than humans are produced. And so they had to give way to other forms of money and currency, which diluted the relationship between people and a finite, easy to understand, market of goods.  As we moved to a digital world there were thinkers that saw the future of currency as flowing electronically. Russian cyberneticist Kitov theorized electronic payments and then came ATMs back in the 50s, which the rise of digital devices paved the way to finally manifest themselves over the ensuing decades. Credit cards moved the credit market into more micro-transactional, creating industries where shop-keepers had once kept debits in a more distributed ledger. As the links between financial systems increased and innovators saw the rise of the Internet on the way, more and more devices got linked up. This combined with the libertarianism shown by many in the next wave of Internet pioneers led people to think of ways for a new digital currency. David Chaum thought up ecash in 1983, to use encrypted keys, much as PGP did for messages, to establish a digital currency. In 1998, Nick Szabo came up with the idea for what he called bitgold, a digital currency based on cryptographic puzzles and the solved puzzles would be sent to a public registry using a public key where the party who solved the puzzle would receive a private key. This was kinda' like using a mark on a Lydian rock to make sure coins were gold. He didn't implement the system but had the initial concept that it would work similar to the gold standard - just without a central authority, like the World Bank.  This was all happening concurrently with the rise of ubiquitous computing, the move away from checking to debit and credit cards, and the continued mirage that clouded what was really happening in the global financial system. There was a rise in online e-commerce with various sites emerging to buy products in a given industry online. Speculation increased creating a bubble around Internet companies. That dot com bubble burst in 2001 and markets briefly retreated from the tech sector.  Another bull market was born around the rise of Google, Netflix, and others. Productivity gains were up and a lot of money was being put to work in the market, creating another bubble. Markets are cyclical and need to be reigned back in from time to time. That's not to minimize the potentially devastating impacts to real humans. The Global Financial Crisis of 2008 came along for a number of reasons, mostly tied to the bursting of a housing bubble to oversimplify the matter. The lack of liquidity with banks caused a crash and the lack of regulation caused many to think through the nature of currency and money in an increasingly globalized and digital world. After all, if the governments of the world couldn't protect the citizenry of the world from seemingly unscrupulous markets then why not have completely deregulated markets where the invisible hand does so? Which brings us to the rise of cryptocurrencies. Who is John Galt? Bitcoin was invented by Satoshi Nakamoto, who created the first blockchain database and brought the world into peer-to-peer currency in 2009 when bitcoin .1 was released. Satoshi mined block 0 of bitcoin for 50 bitcoins. Over the next year Satoshi mined a potential of about a million bitcoins. Back then a bitcoin was worth less than a penny. As bitcoin grew and the number of bitcoins mined into the blockchain increased, the scarcity increased and the value skyrocketed reaching over $15 billion as of this writing. Who is Satoshi Nakamoto? No one knows - the name is a pseudonym. Other cryptocurrencies have risen such as Etherium. And the market has largely been allowed to evolve on its own, with regulators and traditional financiers seeing it as a fad. Is it? Only time will tell.  There is about an estimated 200,000 tonnes of gold in the world worth about 93 trillion dollars if so much of it weren't stuck in necklaces and teeth buried in the ground. The US sits on the largest stockpile of it today, at 8,000 tonnes worth about a third of a trillion dollars, then Germany, Italy, and France. By contrast there are 18,000,000 bitcoins with a value of about $270 billion, a little less than the US supply of gold. By contrast the global stock market is valued at over $85 trillion. The global financial markets are vast. They include the currencies of the world and the money markets that trade those. Commodity markets, real estate, the international bond and equity markets, and derivative markets which include contracts, options, and credit swaps. This becomes difficult to conceptualize because as one small example in the world financial markets, over $190 billion is traded on stock markets a day.  Seemingly, rather than running on gold reserves, markets are increasingly driven by how well they put debt to work. National debts are an example of that. The US National Debt currently stands at over $27 trillion dollars. Much is held by our people as bonds, although some countries hold some as security as well, including governments like Japan and China, who hold about the same amount of debt if you include Hong Kong with China. But what does any of that mean? The US GDP sits at about $22.3 trillion dollars. So we owe a little more than we make in a year. Much as many families with mortgages, credit cards, etc might owe about as much as they make. And roughly 10% of our taxes go to pay interest. Just as we pay interest on mortgages.  Most of this is transparent. As an example, government debt is often held in the form of a treasury bond. The treasury.gov website lists who holds what bonds: https://ticdata.treasury.gov/Publish/mfh.txt. Nearly every market discussed here can be traced to a per-transaction basis, with many transactions being a matter of public record. And yet, there is a common misconception that people think the market is controlled by a small number of people. Like a cabal. But as with most perceived conspiracies, the global financial markets are much more complex. There are thousands of actors who think they are acting rationally who are simply speculating. And there are a few who are committing a crime by violating or inorganically manipulating markets, as has been illegal since the Venetians passed their first laws on the matter. Most day traders will eventually lose all of their money. Most market manipulators will eventually go to jail. But there's a lot of grey in between. And that can't entirely be planned for.  At the beginning of this episode I mentioned it was a prelude to a deeper dive into digital piracy, venture capital, Bitcoin, PayPal, Square, and others. Piracy, because it potentially represents the greatest redistribution of wealth since the beginning of time. Baidu and Alibaba have made their way onto public exchanges. ANT group has the potential to be the largest IPO in history. Huawei is supposedly owned by employees. You can also buy stocks in Russian banking, oil, natural gas, and telecom.  Does this mean that the split created when the ideas of Marx became a political movement that resulted in communist regimes is over? No. These have the potential of creating a bubble. One that will then need correcting, maybe even based on intellectual property damage claims. The seemingly capitalistic forays made by socialist or communist countries just go to show that there really isn't and has never been a purely capitalist, socialist, or communist market. Instead, they're spectrums separated by a couple of percentages of tax here and there to pay for various services or goods to the people that each nation holds as important enough to be universal to whatever degree that tax can provide the service or good.  So next time you hear “you don't want to be a socialist country, do you?” Keep in mind that every empire in history has simply been somewhere in a range from a free market to a state-run market. The Egyptians provided silos, the Lydians coined gold, the Romans built roads and bailed out banks, nations adopted gold as currency, then build elaborate frameworks to gain market equilibrium. Along the way markets have been abused and then regulated and then deregulated. The rhetoric used to day though is really a misdirection play handed down by people with ulterior motives. You know, like back in the Venetian times. I immediately think of dystopian futures when I feel I'm being manipulated. That's what charlatans do. That's not quite so necessary in a utopian outlook.

Join JD, Annabel, and Melissa (The Real Estate Jam) with Hillary and Marco Romero as they talk about private money lending. They touch on the importance of treating your lenders not only with respect but with thankfulness and gratefulness for them. Also, they share how they strengthen the camaraderie between them and their investors through holding dinners. Hillary and Marco also give their process on how they structure deals and negotiations with lenders.   By the end of the episode, you will learn to be confident in asking questions, establish good relationships with your partners, and see yourself at the same level as them. Enjoy the podcast!   ~   About Hillary and Marco Romero:   We sell rights to contracts on properties at discounted amounts.   Hillary Romero, co-owner of Hilco Homes, is a Real Estate license holder in the state of Texas. Her license number is (#683848) and is held at Vortex Realty (#9005335).   ~   You can find Hillary and Marco Romero on… Company Facebook: https://www.facebook.com/hilcohomes/ Deep Dive Wholesale: https://www.facebook.com/groups/hilcohomes/ Website: http://hilcohomes.com/ TikTok: https://www.tiktok.com/@marcoaromero   ---   Connect with The Real Estate Jam! Website: https://www.shorefrontrestorations.com Facebook Page: https://www.facebook.com/ShorefrontRestorations Instagram: https://www.instagram.com/shorefrontrestorations/ YouTube: https://www.youtube.com/channel/UCa_CWAV1OvH81yp6fITB4lg

--{ He Who Goes with the Flow will Never Know: "Power Factions Vying for Your Cerebral Cortex As We All are Sucked Down Propaganda Vortex, Some are Aware but Most are Oblivious, Under Hypnosis of Predators Carnivorous Who Prowl Not for Meat but Appetite Stalks For Power and Dominion Over All that Walks, Talks, Slithers, Creeps and Those that Fly, On Prowl for Thinkers Like You and I, Eugenics and Family Trees of V.I.P.s Govern the World, They Do as They Please, With Technology and Scientific Technique, They Bring into View the Future They Seek" © Alan Watt }-- Process of Human and Computer Logic - Global Standardized Education/Indoctrination, Group Consensus, Eradication of History - Counterintelligence, Manipulation of Groups - Cutbacks in Healthcare and Increasing Military Budget - Goons Pepper-Spraying Crowds, Massacre Mentality, "Only Obeying Orders" - Political Agenda of "Climate Change", Falsified Claims - European Missile Defense System - Pharmacological-Medical Industry - BPA (Oestrogen Mimicker) Found in Canned Foods - Monsanto of Military-Industrial Complex, Toxic Waste Dumping - Return of Debtors' Prisons - Homeland Security Takeover - Terror Plot Sting Operations - Degenerate Society, Psychopathic Culture given to Emulate - Money the Kickoff to "Civilization" - Ancient Art of Moneylending, Funding Armies and Empires - Ancient Minoans and Phoenicians. (See http://www.cuttingthroughthematrix.com for article links.) *Title/Poem and Dialogue Copyrighted Alan Watt - Nov. 23, 2011 (Exempting Music, Literary Quotes, and Callers' Comments)

--{ Scientists Agree -- Their Minds Too Advanced To Communicate to You and Me, Ability the Public Lacks To Absorb Agenda's 'Facts': "American Academy of Science Met This Season, Agreeing Backward Public Is Too Stupid to Reason, Now Science is to Rule, By 'Expert' Fanatic, Since We're Post-Democratic, They'll Be Pragmatic, Public Live in 'Vagueness', Religion and Emotion, So Propaganda to Be Emotional, Soothing Like a Lotion, Which Controls the Savage Beast, Cons Him to Comply, 'Feelings' Stealthily Preyed Upon by Scientists Who Lie, To Guide this Witless Peasant, Please Understand Their View, As They Usher in 'Green' Taxes, Living Well Off Me and You, Plans to Drug You, Inject You, with 'Scientific Stuff', Stepping Up the Death Rate, (Sterilization Not Enough), Now Try and See it Their Way, Scientists Live Above the Herd, Thoughts're Evolved and Lofty, For Simple, Average Nerd, Behaviourists Use Conditioning - See Poor Willie - Free the Whale! No Trick Low Enough for Scientists, Their Morals Up for Sale, Ads, Media You Guzzle, Music, Movies that You Buy, Ensuring Agenda Adaptation, And in Ignorance, Comply" © Alan Watt }-- Conology, Art of Mass Manipulation - Psychopathic Royalty and Courtiers, Spies amongst Public - Flow of Currency, Phoenicians, Moneylending to Nations, Wars and Slavery - Taxation for "Protection" - Royal Authors-Historians, Authorized History - Religions given to Keep Public Docile, use of Idea of "Sin", Obedience to Government - Judaism and Christianity - Albert Pike, Laws of Nature - Generations Brainwashed to Fit Agenda they'll Live through - Media and "Spin Doctors", Dependence on Advertisers. "Altruistic" People Above You - Medical / Police Dramas give Fake Version, Propaganda - Scientific Indoctrination, Parroted Conclusions. Democracy Con, Front of Governments - Foundations and NGOs with Real Power - Return to Serfdom-Feudalism, CEO Feudal Overlords. Scientists' Rule (on Behalf of their Masters) - John Holdren, Methods to Sterilize - Training Public into New "Values" using Emotions and Belief (Not Facts) - Moral Judgements Altered by Magnetic Field Stimulation - Persinger and Brain-Computer Interfaces, Helmets - Video Games to Alter Behaviour. (See http://www.cuttingthroughthematrix.com for article links.) *Title/Poem and Dialogue Copyrighted Alan Watt - March 30, 2010 (Exempting Music, Literary Quotes, and Callers' Comments)