Podcasts about monthly payments

You know that moment on your healing journey where you start to look around and be like... "Wait... I've done a lot of healing... but it seems like this may not ever end!?!?" Like, "What is even the point or end goal of this!?!?" Or worse, "Is 'healing' ALL that there is to life!?"You may have wondered... is it time to double down on the healing circles and cacao ceremonies!? Quit "healing" entirely? Or... is there perhaps another way forward?Here's the thing. You get to decide the answers to those questions. But this is the advice I would have given my past self who once had all of these questions.Submit a topic for the podcast: https://tally.so/r/mOMzA7 2025 Update: I'm currently accepting new clients for 1:1 sessions. Learn more: https://edenhetrick.com/ About me:Welcome to Field Notes Podcast. I created this podcast to be a living roadmap for transforming your patterns into your expanded potential. Tune in for perspectives that spark transformation and tips for optimizing your well-being in a crunchy (yet non-dogmatic) way. On the ongoing journey of finding freedom from the stuff that keeps us stuck—here are my field notes. If you love this show and want to support it's growth: Share the show w/ someone Leave a 5-star rating Subscribe! Affiliate disclosure: This page contains affiliate links, which means I receive a small amount of commission when you sign up for the programs below. To Be Magnetic - Use Code EDEN for 15% off either payment option12 Monthly Payments: https://login.tobemagnetic.com/offers/B3A5LJU7/checkoutPay in Full: https://login.tobemagnetic.com/offers/Jk8ceEuL/checkout...

Why is it so hard to make a decision? Trying decide between two different paths or directions can be confusing and exhausting. In this episode we discuss how to approach the feeling of being torn in two directions. We talk about navigating indecision with consciousness and how indecision can be an invitation into growth. Listen to learn how to approach paths symbolically when considering a major decision, how to unpack the unconscious forces behind indecision, and how to know when it's time to simply decide and move forwards. Send me your episode topic ideas or requests @ edenhetrick@gmail.com 2025 Update: I'm currently accepting new clients for 1:1 sessions. Learn more and inquire at: https://edenhetrick.com/ About me:Welcome to Field Notes Podcast (formerly Field Notes From the Spiritual Journey). I created this podcast to be a living roadmap for transforming your patterns into your expanded potential. Tune in for perspectives that spark transformation and tips for optimizing your well-being in a crunchy (yet non-dogmatic) way. On the ongoing journey of finding freedom from the stuff that keeps us stuck—here are my field notes. If you love this show and want to support it's growth: Share the show someone Leave a 5-star rating + review on Apple Podcasts Subscribe Affiliate disclosure: This page contains affiliate links, which means I receive a small amount of commission when you sign up for the programs below. To Be Magnetic Manifestation Program - Use Code EDEN for 15% off either payment option12 Monthly Payments: https://login.tobemagnetic.com/offers/B3A5LJU7/checkoutPay in Full: ...

Welcome to the "Week in Review," where we delve into the true stories behind this week's headlines. Your host, Tony Brueski, joins hands with a rotating roster of guests, sharing their insights and analysis on a collection of intriguing, perplexing, and often chilling stories that made the news.       This is not your average news recap. With the sharp investigative lens of Tony and his guests, the show uncovers layers beneath the headlines, offering a comprehensive perspective that traditional news can often miss. From high-profile criminal trials to in-depth examinations of ongoing investigations, this podcast takes listeners on a fascinating journey through the world of true crime and current events.       Each episode navigates through multiple stories, illuminating their details with factual reporting, expert commentary, and engaging conversation. Tony and his guests discuss each case's nuances, complexities, and human elements, delivering a multi-dimensional understanding to their audience.  Whether you are a dedicated follower of true crime, or an everyday listener interested in the stories shaping our world, the "Week in Review" brings you the perfect balance of intrigue, information, and intelligent conversation. Expect thoughtful analysis, informed opinions, and thought-provoking discussions beyond the 24-hour news cycle. Want to comment and watch this podcast as a video?  Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

Welcome to the "Week in Review," where we delve into the true stories behind this week's headlines. Your host, Tony Brueski, joins hands with a rotating roster of guests, sharing their insights and analysis on a collection of intriguing, perplexing, and often chilling stories that made the news.       This is not your average news recap. With the sharp investigative lens of Tony and his guests, the show uncovers layers beneath the headlines, offering a comprehensive perspective that traditional news can often miss. From high-profile criminal trials to in-depth examinations of ongoing investigations, this podcast takes listeners on a fascinating journey through the world of true crime and current events.       Each episode navigates through multiple stories, illuminating their details with factual reporting, expert commentary, and engaging conversation. Tony and his guests discuss each case's nuances, complexities, and human elements, delivering a multi-dimensional understanding to their audience.  Whether you are a dedicated follower of true crime, or an everyday listener interested in the stories shaping our world, the "Week in Review" brings you the perfect balance of intrigue, information, and intelligent conversation. Expect thoughtful analysis, informed opinions, and thought-provoking discussions beyond the 24-hour news cycle. Want to comment and watch this podcast as a video?  Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

Welcome to the "Week in Review," where we delve into the true stories behind this week's headlines. Your host, Tony Brueski, joins hands with a rotating roster of guests, sharing their insights and analysis on a collection of intriguing, perplexing, and often chilling stories that made the news.       This is not your average news recap. With the sharp investigative lens of Tony and his guests, the show uncovers layers beneath the headlines, offering a comprehensive perspective that traditional news can often miss. From high-profile criminal trials to in-depth examinations of ongoing investigations, this podcast takes listeners on a fascinating journey through the world of true crime and current events.       Each episode navigates through multiple stories, illuminating their details with factual reporting, expert commentary, and engaging conversation. Tony and his guests discuss each case's nuances, complexities, and human elements, delivering a multi-dimensional understanding to their audience.  Whether you are a dedicated follower of true crime, or an everyday listener interested in the stories shaping our world, the "Week in Review" brings you the perfect balance of intrigue, information, and intelligent conversation. Expect thoughtful analysis, informed opinions, and thought-provoking discussions beyond the 24-hour news cycle. Want to comment and watch this podcast as a video?  Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

Jason introduces Home Equity Investments (HEI), a growing industry where companies buy a portion of homeowners' equity, awaiting a future liquidity event like a sale or refinance, without requiring monthly payments. Hartman views this as a significant indicator of institutional investors' bullish outlook on residential real estate, similar to "build-to-rent" trends. He emphasizes that despite market fluctuations, real estate remains a long-term value investment. Hartman is launching his own HEI company and seeks experienced mortgage or HEI professionals to collaborate. Also, join our FREE monthly real estate masterclasses for investors EVERY SECOND WEDNESDAY of the month at  JasonHartman.com/Wednesday . Jason welcomes Michael Gifford of Spilitero.com. They discuss the home equity investment industry, its growth, and the mechanics of Splitero's home equity investment product. They also discuss the geographical presence of their company, the regulatory environment, and the size and growth of the home equity investment industry. Additionally, they touched upon the maximum investment for a property, the exit strategy, and the speed of the investment process. #RealEstateInvesting #HomeEquity #HEI #JasonHartman #PropertyInvestment #WealthBuilding #FinancialFreedom #RealEstateMarket #InvestmentStrategy #EmpoweredInvestor https://www.splitero.com/   Key Takeaways: Jason's editorial 1:36 The 2nd amendment 3:38 Home Equity Investments (HEI)   Michael Gilford interview 8:31 Meet Michael and Splitero 11:47 A more complex equation 20:15 The amount of investment and geography and regulations 24:45 Unique position & options 27:58 Bullish on the Housing Market 32:23 Brokerage and the size of the Splitero and the industry 35:49 Investors investing in Splitero   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Jason welcomes Michael Gifford of Spilitero.com. They discuss the home equity investment industry, its growth, and the mechanics of Splitero's home equity investment product. They also discuss the geographical presence of their company, the regulatory environment, and the size and growth of the home equity investment industry. Additionally, they touched upon the maximum investment for a property, the exit strategy, and the speed of the investment process. #RealEstateInvesting #HomeEquity #HEI #JasonHartman #PropertyInvestment #WealthBuilding #FinancialFreedom #RealEstateMarket #InvestmentStrategy #EmpoweredInvestor https://www.splitero.com/   Key Takeaways: Jason's editorial 1:36 The 2nd amendment 3:38 Home Equity Investments (HEI)   Michael Gilford interview 8:31 Meet Michael and Splitero 11:47 A more complex equation 20:15 The amount of investment and geography and regulations 24:45 Unique position & options 27:58 Bullish on the Housing Market 32:23 Brokerage and the size of the Splitero and the industry 35:49 Investors investing in Splitero   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Debt Redemption Texas Debt Relief (800-971-4060) can help you to break free from high-interest debt faster with its Texas-exclusive program. Get in touch today! Find out more at: https://debtredemption.com/ Debt Redemption Texas Debt Relief City: San Antonio Address: 40 NE Interstate 410 Loop, Suite 565 Website: https://debtredemption.com/

Subscribe to Simplify My Money:https://www.debtfreedad.com/newsletters/simplify-my-moneyIn this episode, Brad emphasizes the danger of monthly payment thinking and provides practical advice on shifting focus to long-term financial goals. He introduces the key question that transformed his financial decisions: 'Should I even be buying this?' Brad also offers tips on setting financial goals, prioritizing peace over material possessions, and staying consistent. Don't miss the free resources available at Debt Dad to help you start your journey to financial freedom today!Support the showThe Totally Awesome Debt Freedom Planner https://www.debtfreedad.com/planner Connect With Brad Website- https://www.debtfreedad.com Facebook - https://www.facebook.com/thedebtfreedad Private Facebook Group - https://www.facebook.com/groups/debtfreedad Instagram - https://www.instagram.com/debtfreedad/ TikTok - https://www.tiktok.com/@debt_free_dad YouTube - https://www.youtube.com/@bradnelson-debtfreedad2751/featured Thanks For Listening Like what you hear? Please, subscribe on the platform you listen to most: Apple Podcasts, iHeartRadio, Spotify, Tune-In, Stitcher, YouTube Music, YouTube We LOVE feedback, and also helps us grow our podcast! Please leave us an honest review in Apple Podcasts, we read every single one. Is there someone that you think would benefit from the Debt Free Dad podcast? Please, share this episode with them on your favorite social network!

Send us a textNavigating Pension Choices: Lump Sum vs Monthly PaymentIn this episode of the 'Retire Early Retire Now' podcast, host Hunter Kelly, a Certified Financial Planner (TM)  from Palm Valley Wealth Management, discusses the crucial decision for those with pensions on whether to take a lump sum or monthly payment. With pensions becoming rare, Hunter examines factors like life expectancy, risk tolerance, investment potential, and tax implications in making this decision. He also shares a real client case study to illustrate the considerations involved. This episode equips high-income professionals with the knowledge to make informed retirement choices.00:00 Introduction to the Podcast00:16 The Decline of Pensions00:55 Pension Payment Options03:04 Calculating Your Pension05:17 Client Case Study: John and Jane06:38 Key Factors to Consider08:22 Breakeven Point Analysis12:35 Final Thoughts and Advice14:17 Conclusion and DisclaimersCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

Keith Weinhold and Caeli Ridge discuss the benefits of a type of loan that combines mortgage and banking features. This loan allows deposits to reduce principal first, every deposit acts like a payment, minimizing interest accrual. And can be used for cash-out refinancing, providing flexibility and potential tax benefits.  Hear about the importance and the difference between open-ended and closed-ended loans. If you pay down the loan balance over time, you can have a spread that allows you to access that equity without having to requalify or pay additional closing costs. Resources: Explore the loan simulator at RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/542 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 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— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold a discussion about the future mortgage rate direction. Then there's a property loan type where you don't have to make any monthly payments, and if you do make a payment, it all goes toward principal, and nothing is lost to interest. It can save you lots in interest expense over the life of the loan today on get rich education.   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 in 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   Corey Coates  1:13   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  1:29   Welcome to GRE from flaccid County, Oregon to Lackawanna County, Pennsylvania and across 188 nations worldwide. I'm Keith Weinhold, and you are back in for another wealth building week here at get rich education, just another shaved mammal with the microphone here, I have a real estate analogy for you. Growing up, my dad told me, whatever you do, do it well. And that was broad guidance for life. I like things that are easy to remember. Our simple home in Appalachian Pennsylvania was headed with a wood fired stove, so we couldn't just turn a dial and feeding the stove with those logs took time and work. It was a family effort. Dad split the firewood. My chore was to regularly move firewood from the wood pile into the home, and then Mom or Dad would start the fire and constantly tend to it and get it up to the right temperature. But you know, when that fire finally roared, it felt like it could have heated five homes. And this is like buying an income producing rental property. You can't just point and click to make income reliably appear. It takes time, and even some of this admin type of work before you feel hot returned the spark that can ignite the fire means first putting your financial house in order. Those are things like getting pre approved for a mortgage loan, and then they're stacking the firewood, which means finding a deal, making an offer, booking a property inspection, scheduling an appraisal, perhaps signing a property management agreement if you're not self managing, and then, of course, placing a tenant. But see when that investment property fire roars after a year or two that can create enough returns for five retail investors, just like our roaring wood fire could have heated five homes, even though you're only one investor getting like 5x returns, and by now, you probably felt, after a year or two of owning it, the profitable warmth of the five ways you're paid that you know so well. Those five ways are leverage, appreciation, cash flow. Tenant made principal pay down a tax benefit basket and the quiet, whispering fire of inflation, profiting on your loan, but you can't get over leveraged, meaning that you can't make the payments, or else you burn the whole house down. This means embracing the right level of debt rather than avoiding debt altogether. So yeah, you know, if you want to be in the top 1% or maybe even top 5% Do you know what that means? It means being misunderstood by the masses. And when you do this right, it's not about getting rich quick, but it's about building wealth. For sure, feel the fire and whatever you do, do it well, just like my dad told me, and oh, by the way, today, my parents still live in that same. House, but they now just turn a dial for heat.    Well, you know, there's been a lot of real estate and financial news lately, just this constant feed of news. And I really need to tell you something about that. I am not a news reporter. If some news just broke an hour ago. A lot of times people are only overreacting to something like that. So here at GRE I infuse the news longer term into our content of the show, because some of it is just too big to ignore. But often let it settle down for a little while and filter out what it really means to you as an investor. I mean, being an educational platform rather than a news platform is what it's about. So I want to make sure you understand the relationships rather than just reporting the news. I mean, for example, what tariffs can do to home prices and rents and inflation. I mean, that really impacts you and your real estate long term. Rather than just doing something like reporting that the tariff on this nation that looked like it was going to be 25% is now only going to be 10% or something like that, that really doesn't affect you so much. So now that you know more about what to expect here, which are the stories that really affect you as an investor? The last inflation report did come in at a hot 3% that startled economists that it was that high. And what that does is that makes bond yields rise, because bond investors need a real return net of inflation, and in turn, that soon makes mortgage rates rise, and also it makes Jerome Powell be in no rush to cut his Fed funds rate after this hot inflation report, either. And here's another long term relationship that can help you learn the Fed's dual mandate is, what do you know? What it is, the two things I've mentioned it to you before, the Fed's dual mandate is maximum employment and stable prices. That right there is inherently volatile, because when employment is maximized, well then employers, they have to compete with higher wages in order to attract workers, and that makes prices go up, destabilizing the prices will stable. Prices is the second part of the dual mandate. So that's why it always seems like there's this lightning rod attention on Jay Powell in the Fed. It is because the dual mandate is inherently volatile. Now, you know what I think about predicting mortgage rates. I don't like to do it because it's an almost impossible task, like the myth of Sisyphus, that Greek myth about rolling a boulder up a hill wells, Fargo says mortgage rates will go down to just six and a half percent by the end of this year, so not much of a drop. And also by the end of next year, almost two years from now, they'll still be just six and a half percent. And other C rates rising from here. So there is broad consensus that there's zero reason to think that artificially low rates are going to return anytime in the near term, perhaps even in the intermediate term, coming up on a future episode of the show here and soon, how to use AI in real estate investing today, let's talk about mortgages and a special loan type.   Today, we are back with the national leader in providing Americans with income property loans. She runs the operation at Ridge lending group. She's been doing this 25 years she's an investor herself. It is their CEO and president, Caeli Ridge,   Caeli Ridge  9:06   Keith, thank you for having me.    Keith Weinhold  9:08   There does seem to be one US president. That makes a lot of news lately, but Caeli is still the most noteworthy mortgage type of President, I suppose. And just like GRE Ridge focuses on education and Caeli mortgage rates. It's the topic that everyone wants to talk about. I don't predict mortgage rates, but I know that you'll Talk That Talk a little. And previously, many expected Jerome Powell and the Fed to drop the rate four times this year, then two and now more and more expect zero rate cuts at all this year, even opening the door for rate increases if inflation persists. So tell us about the propensities of this year's mortgage rate direction.    Caeli Ridge  9:51   I think that I agree with a lot of the volume out there related to interest rates kind of stay in the course. I don't think we're going to see too much of a decline. There's. Certainly, Keith, we talk about this at nauseum. There's all kinds of things that could derail that statement that we can't prepare for, we couldn't predict for, but I think overall rates are going to stay steady. I think that whether you like them or you don't like them, the tariffs tend to come with an inflationary tone. And if that's the case, it's going to put Jerome and his buddies at the Fed in a tough position to do what they had hoped to do with the easing, the monetary easing. So I don't expect to see it, but I'm hopeful who knows. Who knows?    Keith Weinhold  10:29   Now, for you, the listener and viewer here, when you really want to know what moves rates around, Caeli talk to us about this persistently high spread, and what that means is that historic difference between mortgage rates and the yield on the 10 year treasury note.    Caeli Ridge  10:47   I feel like a lot of what that's going to attach itself to is the inflation, and then, more specifically, when we talk about llpas, and I think we've talked about this in the past, loan level price adjustments, mortgage backed securities secondary market, right? This is an investment that is bought and sold on the New York Stock Exchange, right? These are investments that carry value. And while the Treasury is usually the one that people will look at to predict where interest rates are going to go, I feel like in this higher rate environment, the secondary market understands that these mortgage backed securities are going to be paying off in advance of profitability. Now this gets a little bit complicated, but the easy way to explain it is is that if you secure a loan today at, say, seven and a half percent, if the anticipation is that interest rates over the next three years, maybe not in the next year, but two years, even three years, are going to decline. The mortgage that was closed today will likely pay off via a refinance. In that event, it's not reached the maturity date, such that when that initial mortgage backed security was purchased on the secondary market, it will have to pay off before the investor has been made whole or profitable. As a result, the margins it's called on in my world, it's called YSP, yield spread premium will not be met. So they're baking in certain levers, or they're hedging, as another way to say it, so that they're not left with those negative balances when these things do pay off when interest rates come down, because interest rates are not a straight line, they go up, they go down, they go east, they go west. So as a result, they're planning far in advance into the future. So I think that has a lot to do with it.    Keith Weinhold  12:33   Real Estate industries are shrinking, and it's all related to the fact that back in 2021 the number of existing homes sold peaked at almost 7 million, but last year, it was only about 4 million. That is a huge drawdown. The number of US Realtors is dropping since it peaked in 2023 and Caeli, from what I can see, the number of loan officers, even operating has dropped precipitously over the last four years, it's a reminder that the strong survive and in the mortgage industry, top service is what savvy borrowers need. You go with the people that consistently advise you to take your time and look at your long term strategy and make the correct decision, not always the one giving like 1/8 of a percent lower and an interest rate, so any lender can get you the next loan, and few are going to help you with your long term strategy. With this overall lower volume of transactions taking place, what are your thoughts about how it's impacted the mortgage and lending industries?    Caeli Ridge  13:37   It's such a good question. I'm glad that you asked it, and I really do think it speaks to the experts in the space consumers, our borrowers, as we call them, have to be, I believe, a little bit more discerning about who they want to align themselves with and who they want to work with as it relates to the interest rate. We've had this conversation off book. Ridge doesn't sell rate or cost. Now we're competitive, but we're never going to be the lowest possible lender out there. There's always going to be somebody that can undercut for an eighth, like you said, a quarter point, a few 100 bucks here and there. And we just don't get into that, our value adds far exceed an eighth of a point in rate, which, by the way, you probably can predict what I'm going to say next, if you're not doing the math, just as a sidebar listener, the difference in payment, and that's really where the focus should be. The difference in payment on an eighth or a quarter percent in interest rate on $100,000 is all of 5,7,8, bucks a month. Okay, so make sure you're doing the math, but the value adds that come with the education that we provide the 49 states, large footprint and the diversity of loan product, I think, far outweigh any eighth or few $100 difference when you're comparing side by side. I'm not saying that you don't want to get comparisons and you don't want to be a smart, informed consumer, but it really does matter that your lender understands known, owner occupied understands how to. Or take you from point A to point Z today and five and 10 years down the road.   Keith Weinhold  15:05   you've been a mortgage industry leader for a long time with this lower volume. Have you seen mortgage companies implode close shop?   Caeli Ridge  15:15   Absolutely, we have access to those data points and the number of loan officers just the individual in the doing the transaction, not including processors and underwriters and funders and doctors, but just the loan officers. I believe, in 2024 reduced by a margin of 53% gosh, yeah, that's a big number.   Keith Weinhold  15:35   Yes, this is really hit the industry substantially. Are there any other interesting industry trends in this environment where we have persistently higher rates, I make sure not to say high, because historically, mortgage rates are still not high. The long term average being seven and three quarter percent on the 30 year fixed rate mortgage Are there any other trends that this loss in activity has created?   Caeli Ridge  15:58   I feel like the informed investor is still finding ways to profit in real estate. They're finding diversity is key, which I'm a big proponent of as are you. That means single family residence to two to four units, cash flow versus appreciation, the short term rental, the long term rental, the midterm rental, making sure that they have a good, rounded portfolio is key. And there are some which I think we're going to be talking about today. There are some mortgage tools that I really feel like, for an informed investor, are allowing them to continue and propel further, even scale into the 25 and 26 years.   Keith Weinhold  16:36   What's happened to the volume of owner occupied transactions versus investor transactions. I would imagine that investor mortgage transactions really aren't down that much.   Caeli Ridge  16:47   not that much. I'd say there was a small blip, but I feel like we've made those up with some of the burr strategy loans we do, of course, all kinds of mortgage related transactions specifically for investors. And one of those products is a short term bridge loan, which would apply to the BRRRR method by rehab, rent and refinance. So we've been seeing quite a bit of that, where the investor will find a good deal on market or off market, where they can put a little bit of lipstick on it and then refinance it at the ARV or after repair value. So anything that we might have lost in just a traditional 30 year fixed straight purchase transactions, I feel like we made up in the other but it wasn't a big margin.   Keith Weinhold  17:26   What if there was a mortgage product out there that just didn't work like other mortgage loan products do? For example, your deposits or the payments that you make on this special type of mortgage is applied to the principal first and only. There are a lot of other interesting characteristics about this particular mortgage product. We're going to discuss that when we come back. You're listening to get rich education. We've got the CEO and President of ridge lending group back with us, an investor centric lender. I'm your host, Keith Weinhold.   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lock ups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text FAMILY to66866, to learn about freedom, family investments, liquidity fund, again. Text FAMILY to 66866   hey, you can get your mortgage loans at the same place where I get mine at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation, because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind @ridgelendinggroup.com that's Ridge lendinggroup.com   Rick Sharga  19:48   this is Rich charga, housing market intelligence analyst. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:06   Welcome back to get rich education. We're talking with a steady guest over time, because not only are they an income property centric mortgage loan company that do mortgage loans in 49 of the 50 states, but they're also centered on education and looking out for you, the investor, over the long term. And cheyley, such an interesting product that you offer is called the all in one loan. It's been a long time since you and I have really talked about this. What it is is a first lien HELOC. It's a way for you to use the equity in your existing properties. You can do it with either a primary residence or investment properties. There are just so many reasons why an all in one load just kicks the butt on a conventionally amortizing loan, including that all payments are applied to principal first and only, and a lot of other exciting things. So Caeli, why don't we back up and just describe what the all in one loan is big picture.   Caeli Ridge  21:05   Now there is a lot to unpack, so we're going to take our time. Listener. First of all, let me just explain. Why is it called the all in one it's called that because it doubles as both a mortgage in the form of an open ended revolving HELOC and checking and savings. Both of those two features are combined, hence the all in one as a way of diminishing the amount of interest that can accrue over time. Let me explain so any revolving account, any account, including a credit card, for example, but first lien HELOC, second lien HELOC, whichever doesn't matter, open ended revolving is the key. Any open ended, revolving account will accrue interest daily based on two factors, the first being that day's balance and that months, in this case, interest rate, fully indexed interest rate. I'll come to interest rate later. As a result, you now have control largely over how much interest can accrue. Now let's take that statement and transfer it and look at it against an amortized, closed ended mortgage. You sign up for a 30 year fixed mortgage today. Let's say it's 7% whatever the interest rate is, is really irrelevant. Your principal and interest payment are defined on day one. There is no changing that monthly payment. Now you could certainly accelerate the payoff of that mortgage debt by doing what applying additional extra principal payments, right? But what happens to that extra principal payment when you send it off with your 30 year fixed mortgage payment,   Keith Weinhold  22:34   it drops your loan balance, but your minimum payment amount is the exact same the next month,   Caeli Ridge  22:38   right? And then what happens to all that liquidity that you had prior, it's now illiquid. Right? Exactly that off   Keith Weinhold  22:45   you've just transferred your cash flow into equity. Financial freedom is created by doing the opposite thing and changing equity into cash flow,   Caeli Ridge  22:52   very illiquid, and not the way an investor typically is going to want to run his or her business. So hence the all in one. Now for those of you that have heard the term velocity banking or infinity banking, maybe whole life insurance policy has a similar tone to this. The all in one, I believe, offers even more flexibility for variety of reasons that we're going to get into. But if you've ever heard those terms, that's similar to what this is. So I want to start by I usually like to give an example, okay, and provide some visual aid so that people can connect the dots. Let's start with the 30 year or a fixed rate mortgage. Just because I feel like, especially in the US, this particular loan product, or its concept is widely used in much of the rest of the world, in the US, I feel like we're sort of preconditioned here to really only understand that closed ended, amortized mortgage. So I'm going to start with an example there that actually highlights or leads into the concept of the all in one. So I want you to imagine a 30 year fixed mortgage and a 15 year fixed mortgage. Both of these mortgages originated or started at $400,000 as the balance on day one. The 30 year fixed mortgage locked at an interest rate of 4% and the 15 year fixed mortgage locked at an interest rate of 7% now, when I go through this exercise and I give this example to people, I ask them the question, Well, which one would you choose? And without exception, if they don't understand amortization, they are going to select that 4% 30 year fixed mortgage, because they don't understand that it's about speed. When you run the math and you look at an actual amortization table, you'll see that you'll pay $40,000 more in interest on a 4% 30 year or 360 month, versus a 7% 15 year or 180 month. So the point here, and what I'm illustrating, is it's speed. Now let's segue back over to the all in one. It's all about speed and how much interest we allow to accrue over time. So as you had mentioned, to start the kick this off, Keith, every deposit acts like a payment. Now here's where I struggled with this in learning. And when this was first introduced to me years ago, this part of it really caught me off guard. I had to really dig in and try to focus on what are they talking about? What do they mean? There's no payment due on the all in one. I'm gonna say that again. There's no payment due on the all in one. Think about your 30 year fixed mortgage. If you don't make a payment, what happens?   Keith Weinhold  25:19   You're defaulting, you're in trouble. You become delinquent,   Caeli Ridge  25:23   right? So that is not how this loan is set up. And it's not smoke and mirrors, okay? It's nothing fancy. The deposits that you make from ordinary income from all sources really Okay, so we want to talk about this is really special for investors, because we have access to gross rents, the rental income that's coming in before we send it back out the door, along with our net wages and every other source of income, deposits that we're getting can be utilized to your advantage. One of the ways in which I describe this is, I like to say you've become your own bank, so you have this line of credit, and your gross rents and all of your net wages are going to deposit into your checking account, driving that principal balance down, dollar for dollar, so that the interest accrual is diminished. Because remember what I said a few seconds ago, the interest is calculated on any open ended revolving account based on two factors, the balance for the day and the interest rate, so the more you have in depository income, and you drop it into your checking account, the longer it stays there, the lower the amount of interest is going to accrue within a 30 day billing cycle. Now let me just paint one more picture, and then we can open up to what questions come from this. So I want you to imagine this is I'm going to use easy, round math. I want you to imagine that you have an unpaid principal balance on your mortgage, on your HELOC of $100,000 just for round easy mouth, and that you bring in $10,000 a month in income from all sources. And just to keep it simple, we're going to say that that 10,000 comes in on day one of month one. Okay, so here's our 100 grand sitting there. My $10,000 is deposited into my checking account. Now my balance is $90,000 right? That 10 grand is not going to be touched. You will not touch that $10,000 for 29 days out of a 30 day billing cycle. And I'm giving you optimal tricks. Okay, this is how you want to use it optimally, yeah. Day one, instead of paying interest on $100,000 you're paying interest on paying interest on $90,000 and you're going to pay interest only on $90,000 for 29 days out of a 30 day billing cycle. Well, how am I going to make all my bills? And how am I going to eat? And how am I going to pay my cell phone? And what am I going to do? You're going to use a credit card, or credit cards of your choice, the ones that provide the best points, or whichever you prefer doesn't really matter. To pay all those monthly living expenses now we don't want to pay any interest on our credit cards. Right? 18, 28% whatever it is. No thank you. So now we're going to go to day 30 of that 30 day billing cycle. Right? 29 days that 10 grand has sat in there. Our balance has been 90. Our interest has accrued on that 90. On day 30, the credit card has amassed $9,000 in expenses. You've spent $9,000 for the month on food, gas utilities, car payments, cell phone, everything goes on that card. Day 30, you go into your checking account where your 10 grand has been sitting, and you write a check to pay off the credit card $9,000 so for one day of the month, we went from 90,000 in a balance to 99,000 right. 9000 had to come out of the 10 to pay off the credit card. We had $1,000 left over. Now I want you to fast forward into month to day one our starting balance, because that $1,000 leftover was our residual income, our discretionary our savings, it's what was not spent, but I have full access to it. Should I need it? So day one, month two 99, 000 is my outstanding balance. I drop in my $10,000 of income. 89,000 is what I'm going to be paying interest on for 29 days of a 30 day billing cycle. So this should allow listeners to connect some dots. There are two components of compound interest savings, the first being daily. We've got our income dropping in there. It's just sitting so daily savings, compound interest savings. And then that leftover savings, that residual, that $1,000 is going to be left in there month after month 24/7, access. That's monthly compound interest savings. So those are the two components that make this product profoundly impactful in diminishing that interest accrual over time. Why don't I take a pause   Keith Weinhold  29:30   so with the all in one loan, we're really integrating our consumer accounts with our mortgage. Absolutely right? Is there a way to automate these payments associated with this?   Caeli Ridge  29:43   Yes, I'm glad you asked. So everything that you have become accustomed to today in your checking and savings is going to be exactly the same with the all in one this mortgage is housed by an FDIC insured banking institution. It'll be one of two places depending on which. Which ends up picking up the rights. It'll be North Point or merchants, bank, those are the two that service this loan. Feel free to check them out when you think about the automation of your checking and savings accounts with your B of A, Chase, Wells, Fargo, whomever, credit union, whomever you bank with. Now there will be no difference to that experience and this experience so online bill pay, debit cards, routing numbers, paper checks. Should you still use those mobile apps? If you get a paper check, you take a picture and it uploads to the account. All the same exact automation as you have become used to today will apply with the all in one   Keith Weinhold  30:36   and you described how the all in one loan is an open ended loan versus your plain vanilla 30 or fixed amortizing loan, which is closed ended. For those that don't know, what do those terms open ended and close ended mean?   Caeli Ridge  30:48   So amortized is predetermined over the period of time that you've gotten the mortgage for. So whether it be a 10 year, a 20 year, 2515, 30, whatever it is, it is closed ended, so the interest rate that you secured against the loan amount that you've taken, they have come up with the formula, the calculation that says, This is how much interest you're going to pay over this length of time. And the longer the amount of time that you have selected, let's say a 30 or maybe even a 40 year. Those do exist, in some cases, the longer the amount of time that closed ended amortized mortgages in play, the more interest you're going to pay. Now, it keeps your payment lower for sure, but they're going to make it up in the interest that you'll pay in the long time. Now the open ended revolving just means that it is available to pay down and draw up, and pay down and draw up. It is not closed   Keith Weinhold  31:40   and then with those conventional mortgages, typically, especially when you originate a new loan for years, most of your payment goes to interest, which would not be the case with the all in one loan.    Caeli Ridge  31:53   Exa  ctly. Yeah. So anybody that's looked at an amortization table knows the first 10 ish years, we'll just keep using the most common, 30 year fixed first 10 years or so, maybe even a few years past that, 90% of your payment is going to go to the interest. You won't start chunking down any principal until the back end of that mortgage, 180 or complete flip to the all in one every dollar that goes in there drives the principal down first.   Keith Weinhold  32:18   That is huge, even if you pay a higher interest rate on your all in one loan, you can see how you have fewer dollars out of pocket in interest paid, which is what really matters to you,   Caeli Ridge  32:30   exactly, right? So think about a 20% interest rate. If you're paying 20% interest on 50,000 then 7% interest on 500,000 you can see how the math will work in your favor, regardless of the number in the interest rate in comparing side to side. And one of the other things that we haven't touched on, and maybe this is a good segue, Keith, it's not just the daily deposits. We have clients that take out a, you know, a million dollar line of credit, but they have $500,000 sitting idle for whatever it is their business needs. And in the E commerce. It doesn't even matter, but they have this amount of cash that they're simply going to take from this vehicle a regular checking account over here, and drop it in here, and that interest is saved. That $500,000 that was sitting idle doing nothing over here is now saving interest at an incredible rate. So it's not just the daily and monthly deposits. If you just have idle cash, or you know you're going to be getting a bonus or a tax refund, or whatever it is, those monies that would otherwise just sit in a one to 2% maybe interest bearing checking savings account can now be applied over here, driving down that balance further, dollar for dollar saving in that interest.   Keith Weinhold  33:39   So we are opportunistic investors here, when we see an accumulation of equity in a property or cash in an account, we want to get that moving with this all in one loan again, which is like a first lien HELOC, I would imagine that would we get plenty of room to borrow more in there, and there's been plenty of pay down, we might want to draw against it again for another purchase, and let this thing be flexible like an accordion back and forth as you're drawing the balance down and you're extending it out again. So really, the way I see the flexibility with the all in one loan is that you don't have to go through another mortgage loan origination each time you want to buy a property. You can just draw against this account.   Caeli Ridge  34:20   And we're still just scratching the surface in what this thing does exactly right? And I've said this twice now, you've become your own bank. Yeah, okay, if you pay it down over a short period of time, let's say that you had half a million dollars and you were able to reduce that down to 300,000 there's a $200,000 spread there that, at your discretion, do not have to re pre qualify and pay closing costs. Again, you don't have to ask permission or get it approved, for some reason, those are your funds, your equity, your dollars to do what you want, when you want, how you want. The other thing too is probably a good place to point this out, safety net, as long as there is a spread between what you owe and the credit limit. Whatever that is. If something were to happen That was unfortunate, some unfortunate set of circumstance befell the family, whatever, and no income was coming into the household zero. What would happen if you didn't have money to make your 30 year fixed mortgage payment? You're going to ruin your credit and go into default. Well, the reverse is true with the all in one if there is a spread between the balance and the limit and you needed to not make any deposits, the only thing that's going to happen in that case is interest is going to accrue on top of that balance. The only time a payment deposit is mandated with the all in one is when the balance is about to exceed the limit. That's the only time. Now I'm not saying that that's the way people are going to use it, but that's the reality of it. So what if this? Let's take this down the rabbit hole for a second. If you couldn't make a deposit, you're not going to go into default, right? You're simply going to add some interest on top of the existing balance. But what if you needed to draw from it for living expenses for a couple of months? Yeah? What if you needed, you know, $5,000 a month for three months until you got back on your feet, whatever it is you have access to do that. There's your safety net. You just simply draw from it, as long as there's a spread between the balance and the limit, those are your funds to do with what you choose    Keith Weinhold  36:13   if one takes out a HELOC, whether that's in an all in one loan form or not, something that I've advocated with my listeners for years is that now you do have this line that you can draw against to your point Haley, it's effectively another layer of insurance for that borrower or investor. So if you're interested in keeping down your insurance premium, you can get a HELOC or an all in one loan increase your insurance deductible, which can lower your insurance premium and increase your cash flow.   Caeli Ridge  36:43   Good point. You know, I hadn't even thought about that before. That is a new one on me that is actually brilliant. Yes.   Keith Weinhold  36:50   now we had a listener quite a while ago, Mark from Granite Bay, California, right in Mark's a great long time listener. When he found our show, he wanted to go back and re listen to all the old episodes. And he listens to several episodes multiple times. And Mark wrote in because he heard you on the show quite a while ago. And Mark says, I've been using the all in one loans, amazing mortgage balance deduction. But as a GRE listener, I know I can't be lured in by that alone. I also need to utilize its leverage. I just used my all in one loan Mark continues to say, probably, like a lot of others, to buy a duplex for mid south home buyers in all cash and then refinance that loan into a fanniefreda 30 year from my all in one loan simulations, and Caeli has an all in one loan simulation on her website that she'll tell you about. But to finish Mark's question, Mark says, I have gathered in these simulations that as long as properties are cash flowing, the best use of the all in one seems to be to keep repeating what we did on our first duplex purchase, use the all in one loan, to buy properties in all cash, and then later refi it into better debt or leverage, and then continue to repeat the process. Is that a valid way to use it? That's Mark's question.   Caeli Ridge  38:03   Absolutely. Mark, Well done, sir. And there's a few points here that I want to take a minute and peel back, Keith, so one of the first things that I would say that's really great about that philosophy or that strategy is going to be that on a cash out refinance of the property that was paid cash, using the all in one we get to use the appraised value. So under the circumstances, if you paid $100,000 for it, and perhaps it valued at 110, 151, 20, whatever it is, then we as the lender are going to refinance on a cash out refinance using that higher appraised value, so you have a little bit more leverage there, and potentially get more in that loan to value when you're comparing what you're getting back versus what you put in. The other thing, obviously, is that when you're dealing with a turnkey or a seller, an agent, whatever, everybody knows that when you can come to the table with cash, yeah, right, you become the more desirable buyer. There's that obvious piece, and then in terms of that strategy and that simulation. So please, yes, that is absolutely the first thing that I'm going to do with anybody that calls in is I'm going to get on the phone with them, a teams call, and we're going to do the simulator together. But I encourage everybody to get in there and play around with it. If you're not quite sure what data points it's asking for, let us know, or we'll do one together. But that simulator is going to allow you to compare the all in one to either an existing mortgage on a primary rental property or a new traditional mortgage. Let's say you're thinking about buying an investment property with a 30 year fixed and you want to compare that to the all in one, or maybe you want to refinance one of your existing properties, so you can compare it to existing versus new. And then within that simulation, it will allow you to forecast additional spending. That will allow you to say, I want to take out $50,000 in month 22 and it'll reformulate where the simulation of saved interest, payoff time, all of those things will be available to you within that simulator. It's very slick.    Keith Weinhold  40:00    And now that you, the investor, have the ability to pay all cash, not only can you close faster, but a lot of times, sellers are willing to give you a discount, since you can close faster and pay all cash, and then it's up to you down the road to go ahead and refinance that into a conventional product, or however else you want to do it. Caeli, what else should we know about the all in one loan?   Caeli Ridge  40:24    Couple things I would share. First of all, the qualification metric for the all in one is going to be a little bit more restrictive than a traditional 30 year fixed mortgage, so be prepared for a little extra brain damage. I know that getting qualified for mortgages is not everybody's favorite activity. I get it. There's a lot that goes on to it. It's not like the good old days where some remember you could fog a mirror and get a mortgage, but the all in one does take it to another level, even beyond what you're used to now. So debt to income ratio, I'll give you the specifics really quickly, so just be prepared. I like to set that expectation. Debt to income ratio caps at 43% on the all in one versus 50% that we would have from a traditional Fannie Freddie, 30 year fixed. The reserve requirement is calculated based on the line limit. It's dependent on the debt to income ratio. I'll just leave it there. It'll either be 10% or 15% of the line limit. So if the limit was 100 grand, 10,000 or 15,000 is the reserve requirement, and then the minimum credit score requirement. Owner Occupied is 700 non owner occupied is 720 so a little bit higher on the bar for qualification for the all in one.   Keith Weinhold  41:33   Who is this for? And who is it not for?   Caeli Ridge  41:36   It is for anyone generally that has at least 10% discretionary income at the end of the month. Typically, everybody's circumstances are different. I encourage you to play with the simulator. Get on my schedule. Let's do it together. But more often than not, we find that 10% left over at the end of the month is generally enough for it to work for the individual, and for those of you that got 2% interest rates during the pandemic, I just want you to know that I'm running the simulator against those loans day in and day out. And I would say, I'll give you a 65% of the time the all in one is beaten the, you know, what, out of a two and a half percent 30 year fixed mortgage   Keith Weinhold  42:12   that is really interesting. Well, there's a lot of opportunity and flexibility with the all in one loan. Is there any last thing that we should know about it.   Caeli Ridge  42:22   Start doing your due diligence. This does take a minute to unpack. Don't get overwhelmed by all the information. We've talked about some real tangible stuff here, but there's quite a bit that there would be to uncover. So take your time. Call us. We'll walk through it step by step   Keith Weinhold  42:36   and get started on that simulator and really see what it can do for you to make that actionable. Caeli, Where should one start?   Caeli Ridge  42:44   Head to our website, ridgelendinggroup.com you can email us info@ridgelendinggroup.com and obviously we're always a phone call away at 855, 74, Ridge   Keith Weinhold  42:54   and again, you can find that all in one loan simulator, where you can plug in some real numbers and see how it can benefit you. A friendly representative from Ridge can help you. Go ahead and do that there. So there's a lot of excitement about the all in one loan, especially, or an investor that has a GRE mindset philosophy and thinks about the opportunity of dead equity. But now that we've talked about that, tell us just quickly about some of the other products that you offer in there at ridge.   Caeli Ridge  43:23    So I think one of the real value adds for us is that we're not a one size fits all. We have an extremely diverse menu, as I like to call it, of loan programs. The all in one is at the top of a short list of my favorites. For some individuals, you got the fanniefriddies. You've got non QM, which includes DSCR, debt service, coverage ratio, bank statement loans, asset depletion loans. We have ground up construction for those that are interested in that. We have our short term bridge loans that I talked briefly about, where if you need fix and flip fix and hold, potentially, you need shorter term money, commercial loans for commercial products, commercial loans for residential in a cross collateralization way, if that is to your advantage. So as you can see, it's quite diverse.    Keith Weinhold  44:03   It's been valuable as always, and I definitely learned a few extra things that I did not know about the all in one loan myself. JAYLEE Reyes, it's been great having you back on the show, Keith. Thank you.   Now a mortgage company, of course, they have overhead and employees that they have to pay and so on. And you know, from talking with Chaley some more, I learned that they don't even make much profit from all in one loans. We wanted to discuss it together today for your benefit. However, though there are some real fees with the all in one loan, you pay points of three to 4% of the draw in closing costs only, but it's a one time fee, not every time you draw against it. She also let me know that it does not make your taxes substantially. More complicated, if you think that it can help you clear a few minutes, learn more and get hooked up with that all in one loan simulator, where they will help you through it. Big thanks to Caeli Ridge today, they really make themselves available. You can just call 855, 74, Ridge. Or if it's more your style, visit them at Ridge lending group.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 1  45:31   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  45:59   The preceding program was brought to you by your home for wealth, building, getricheducation.com.    

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In today's episode - Clark has new data on renting vs. buying in terms of long-term net worth and how renters can close the gap. Also, With Valentine's Day ahead, Clark has good news if you are in the market for jewelry, specifically diamonds. Changes in the marketplace mean deals.    Housing: Bridging The Net Worth Gap: Segment 1 Ask Clark: Segment 2 The Diamond Marketplace: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The median renter in America has a net worth of $10,400. The median homeowner's net worth is $400,000 Should You Take Your Pension in a Lump Sum or Monthly Payments? What Is a Fiduciary Financial Advisor and Do I Need One? Best Financial Advisors De Beers amasses biggest diamond stockpile since 2008 financial crisis Verizon administrative settlement payments are nowhere near $100. Here's why Should You Respond to Class-Action Lawsuits? How To Sell, Cancel or Get Rid of Your Timeshare Why Vacation Clubs Are Even Worse Than Timeshares Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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  Join Sarah for a special Friday Five episode all about the Medicare Prescription Payment Plan. Find out what insurance agents need to know – including how to get client-facing marketing materials that detail the Inflation Reduction Act changes coming to Medicare Part D in 2025.   Interested in the marketing materials Sarah mentioned during this episode? Contact our sales team at Ritter Insurance Marketing at https://www.ritterim.com/meet-your-sales-team Email the podcast at ASGPodcast@Ritterim.com Call our hotline and leave a voicemail at 1-717-562-7211 Learn more about MedicareCENTER at https://integrity.com/medicarecenter/   Resources: 5 FAQs About the Shop & Enroll Phaseout: https://link.chtbl.com/ASGF20240712 Agent's Guide to Social Media Communication Resources: https://link.chtbl.com/ASG606 Facebook Basics for Insurance Agents: https://link.chtbl.com/ASG607 Medicare Advantage & Part D Certification Info: https://link.chtbl.com/ASGN20240715 Preparing Clients for the New Medicare Prescription Payment Plan Program: https://ritterim.com/blog/preparing-clients-for-the-new-medicare-prescription-payment-plan-program/ Ritter Insurance Marketing Summits 2024: https://link.chtbl.com/ASDF20240719 The Medicare Part D Creditable Coverage Determination Changes for 2025 or Beyond: https://ritterim.com/blog/the-medicare-part-d-creditable-coverage-determination-changes-for-2025-or-beyond/   References: “The Biden-Harris Administration Releases Final Part Two Guidance to Help People with Medicare Prescription Drug Coverage Manage Prescription Drug Costs.” CMS.Gov, Centers for Medicare & Medicaid Services, 16 July 2024, www.cms.gov/newsroom/press-releases/biden-harris-administration-releases-final-part-two-guidance-help-people-medicare-prescription-drug “Biden-Harris Administration Issues Final Guidance to Help People with Medicare Prescription Drug Coverage Manage Prescription Drug Costs.” CMS.Gov, Centers for Medicare & Medicaid Services, 29 Feb. 2024, www.cms.gov/newsroom/press-releases/biden-harris-administration-issues-final-guidance-help-people-medicare-prescription-drug-coverage “CMS Issues Additional Guidance on Program to Allow People with Medicare to Pay Out-of-Pocket Prescription Drug Costs in Monthly Payments.” CMS.Gov, Centers for Medicare & Medicaid Services, 15 Feb. 2024, www.cms.gov/newsroom/press-releases/cms-issues-additional-guidance-program-allow-people-medicare-pay-out-pocket-prescription-drug-costs “CMS Issues Draft Guidance on New Program to Allow People with Medicare to Pay Out-of-Pocket Prescription Drug Costs in Monthly Payments.” CMS.Gov, Centers for Medicare & Medicaid Services, 21 Aug. 2023, www.cms.gov/newsroom/press-releases/cms-issues-draft-guidance-new-program-allow-people-medicare-pay-out-pocket-prescription-drug-costs “CMS National Training Program Live Events.” CMS National Training Program, Centers for Medicare and Medicaid Services, cmsnationaltrainingprogram.cms.gov/live-events Accessed 25 July 2024. “Fact Sheets Draft CY 2025 Part D Redesign Program Instructions Fact Sheet.” CMS.Gov, Centers for Medicare & Medicaid Services, 31 Jan. 2024, www.cms.gov/newsroom/fact-sheets/draft-cy-2025-part-d-redesign-program-instructions-fact-sheet “Fact Sheet: Medicare Prescription Payment Plan.” CMS.Gov, Centers for Medicare and Medicaid Services, www.cms.gov/files/document/medicare-prescription-payment-plan-fact-sheet.pdf Accessed 25 July 2024. “Fact Sheet: Medicare Prescription Payment Plan Final Part One Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-prescription-payment-plan-final-part-one-guidance.pdf Accessed 25 July 2024. “Fact Sheet: Medicare Prescription Payment Plan Final Part Two Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-prescription-payment-plan-final-part-two-guidance.pdf Accessed 25 July 2024. “Inflation Reduction Act and Medicare.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/inflation-reduction-act-and-medicare Accessed 25 July 2024. “Medicare Prescription Payment Plan Implementation Timeline.” CMS.Gov, Centers for Medicare & Medicaid Services, 1 July 2024, www.cms.gov/files/document/medicare-prescription-payment-plan-timeline.pdf Seshamani, Meena. “Medicare Prescription Payment Plan Draft Part Two ...” CMS.Gov, Centers for Medicare & Medicaid Services, 15 Feb. 2024, www.cms.gov/files/document/medicare-prescription-payment-plan-draft-part-two-guidance.pdf   Seshamani, Meena. “Medicare Prescription Payment Plan Part 1 Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, 21 Aug. 2023, www.cms.gov/files/document/medicare-prescription-payment-plan-part-1-guidance.pdf     Follow Us on Social! Ritter on Facebook, Instagram, LinkedIn, TikTok, X, and YouTube Sarah on LinkedIn, Instagram, and Threads Tina on LinkedIn

Philip Deng is the Co-founder and CEO of Grantable, a world-class grant writing assistant powered by AI. In this episode, Philip explains the difference between using ChatGPT and Grantable, how to keep an authentic tone while writing grants with AI software, and how much you can trust the output of an AI. He also talks about why AI can't be used for research purposes, the best type of AI to use for grant writing, and why having a master grant template is so valuable. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price of the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. The doors are open to The Freelance Grant Writer Academy unti May 12th, click here to join - https://grantwritingandfunding.com/freelance-grant-writer-academy/ Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨The Nonprofit Consulting Conference ✨Episode 279: Chat GPT and AI for Grants: Revolutionizing Grant Writing with Grantable ✨Everything Inside the FGW Academy, Who It's For, & How to ✨Get Your Investment Back with One Sale Transitioning to Freelance Grant Writing: Building Your Business Gradually ✨Grant Easy Management Software Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

In this episode, Holly talks about the difference between male and female grant writers, the benefits of working from home as a mother, and the freedom that comes with being a freelance grant writer She also explains how to transition from working for a nonprofit to writing grants as a freelancer., how you can increase your income through freelance grant writing, and how to set up your business acumen skills. Holly Rustick is a world-renowned grant writing expert and Amazon bestselling author who has been coaching grant writers on how to run successful 5-6 figure businesses since 2017. Doors to the Freelance Grant Writer Academy are Now Open Until Sunday, May 12th at 11:59 pm EST. The Freelance Grant Writer Academy is a 12-Month group coaching program for new and experienced grant writers to get everything you need to replace your full-time income by working flexible hours while writing high-quality grants quickly. Our students have earned more than $60Million+ in grant funding, and in less than a year, have earned $1.2MIillion+ in income into their grant writing businesses. The price to the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Doors close on Sunday, May 12th at 11:59 pm EST. Join Now: https://grantwritingandfunding.com/freelance-grant-writer-academy Interested in Finding out More? Join the “Is the Freelance Grant Writer Academy for Me?” Live Call on Friday, May 10th at 4 pm EST. https://us02web.zoom.us/meeting/register/tZItc-qqqTkpE9UdmfsXGlkFc5mBFwFG9oPx Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨How Tiffany is Quitting Her Full-Time Job Early with Freelance Grant Writing ✨Why you struggle with pricing as a freelance grant writer with Rachel Waterman ✨Replace Full-Time Income on Flexible Hours as a Freelance Grant Writer Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

Payton Murphy is a grants professional with experience in grant writing, research, management, and budget development. Payton explains how to articulate the value of your grant writing services, the benefits of looking at your job as if they are a client, and the sales strategies grant writers can use with nonprofits. She also talks about the business fundamentals behind grant writing, how to set up systems and processes to save you time when writing grants, and the difference between doing sales with non-profits and for-profit businesses. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price of the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. The doors are open to the Freelance Grant Writer Academy until May 12th, click here to join - https://grantwritingandfunding.com/freelance-grant-writer-academy/ Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨Everything Inside the FGW Academy, Who It's For, & How to Get Your Investment Back with One Sale ✨Finding a Community of Grant Writers ✨How Jen Made Her Investment Back within 3 Months, booked out clients, and won her first grant Inside the Academy Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

Grace Pankin has been writing grants for Southern Nevada nonprofits for over 5 years, and within the last three of those years, she's helped to raise over 5 million dollars. Grace explains how she manages her grant writing time, networks with nonprofit clients, and prices her grant writing services. She also talks about how she increased her contracted hours with a current client, the different ways she improved her deliverables and customer service, and the value she got from having a new perspective on the grants she was writing. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price of the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. The doors are open to The Freelance Grant Writer Academy until May 12th, click here to join - https://grantwritingandfunding.com/freelance-grant-writer-academy/ Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨Grants With Grace Consulting ✨Nonprofit Consulting Conference ✨Everything Inside the FGW Academy, Who It's For, & How to Get Your Investment Back with One Sale ✨Finding a Community of Grant Writers ✨How Jen Made Her Investment Back within 3 Months, booked out clients, and won her first grant Inside the Academy Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

In this episode, Holly talks about the skills grant writers need to become business owners, how grant writers should design their service offerings, and why nonprofits often pay for people to join The Freelance Grant Writer Academy. She also explains the business acumen skills you learn in The Freelance Grant Writer Academy, the value of a master grant writing template, and how grant reviews can help grant writers and their nonprofits. Holly Rustick is a world-renowned grant writing expert and Amazon bestselling author who has been coaching grant writers on how to run successful 5-6 figure businesses since 2017. Doors to the Freelance Grant Writer Academy are Now Open Until Sunday, May 12th at 11:59 pm EST. The Freelance Grant Writer Academy is a 12-Month group coaching program for new and experienced grant writers to get everything you need to replace your full-time income by working flexible hours while writing high-quality grants quickly. Our students have earned more than $60Million+ in grant funding, and in less than a year, have earned $1.2MIillion+ in income into their grant writing businesses. The price to the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Doors close on Sunday, May 12th at 11:59 pm EST. Join Now: https://grantwritingandfunding.com/freelance-grant-writer-academy Interested in Finding out More? Join the “Is the Freelance Grant Writer Academy for Me?” Live Call on Friday, May 10th at 4 pm EST. https://us02web.zoom.us/meeting/register/tZItc-qqqTkpE9UdmfsXGlkFc5mBFwFG9oPx Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨Grantable ✨Get your 9-5 to Pay for the Academy ✨Transitioning to Freelance Grant Writing: Building Your Business Gradually ✨Replace Full-Time Income on Flexible Hours as a Freelance Grant Writer Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

Kari is a Philadelphia-based grant writer specializing in small and start-up nonprofits, who has worked in the non-profit field for over a decade. Kari explains the business side of being a grant writing consultant, how to be properly valued as a grant writer, and how to effectively price your grant writing services. They also talk about the different deliverables grant writers should offer, the business and sales lessons they learned in the academy, and the value of being a part of a community of grant writers. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price of the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. The doors are open to the Freelance Grant Writer Academy until May 12th, click here to join - https://grantwritingandfunding.com/freelance-grant-writer-academy/ Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨Everything Inside the FGW Academy, Who It's For, & How to Get Your Investment Back with One Sale ✨Finding a Community of Grant Writers ✨How Jen Made Her Investment Back within 3 Months, booked out clients, and won her first grant Inside the Academy Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

In this episode, Holly talks about the importance of knowing the services and prices you offer, following an ethical sales system, and setting the right expectations when talking to nonprofits, She also explains how to present a business plan to a nonprofit, why freelance grant writers are often more desirable than in-house grant writers, and the skills you need to be a grant strategist. Holly Rustick is a world-renowned grant writing expert and Amazon bestselling author who has been coaching grant writers on how to run successful 5-6 figure businesses since 2017. Doors to the Freelance Grant Writer Academy are Now Open Until Sunday, May 12th at 11:59 pm EST. The Freelance Grant Writer Academy is a 12-Month group coaching program for new and experienced grant writers to get everything you need to replace your full-time income by working flexible hours while writing high-quality grants quickly. Our students have earned more than $60Million+ in grant funding, and in less than a year, have earned $1.2MIillion+ in income into their grant writing businesses. The price to the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Doors close on Sunday, May 12th at 11:59 pm EST. Join Now: https://grantwritingandfunding.com/freelance-grant-writer-academy Interested in Finding out More? Join the “Is the Freelance Grant Writer Academy for Me?” Live Call on Friday, May 10th at 4 pm EST. https://us02web.zoom.us/meeting/register/tZItc-qqqTkpE9UdmfsXGlkFc5mBFwFG9oPx Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨How Freelance Grant Writers Get Paid ✨Transitioning to Freelance Grant Writing: Building Your Business Gradually ✨Why Grant Writers Need to Stop Consulting for Free ✨Grant Easy Management Software Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

Doors to the Freelance Grant Writer Academy are Now Open Until Sunday, May 12th at 11:59 pm EST. The Freelance Grant Writer Academy is a 12-Month group coaching program for new and experienced grant writers to get everything you need to replace your full-time income by working flexible hours while writing high-quality grants quickly. Our students have earned more than $60Million+ in grant funding, and in less than a year, have earned $1.2MIillion+ in income into their grant writing businesses. This episode, Academy Student Mapi Garcia discusses how she had a freelance grant writing business for two and a half years, but it wasn't until she joined the Freelance Grant Writer Academy that she was able to get consistent clients and revenue. Within four months of joining the Freelance Grant Writer Academy she has made $62,775 in her grant writing business, AND has her first ever retainer client, which has set her up for consistent cash flow. The system and reframe of how to set expectations with nonprofit clients has been a gamechanger for her. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price of the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250.  The doors are open to The Freelance Grant Writer Academy until May 12th, click here to join - https://grantwritingandfunding.com/freelance-grant-writer-academy/ To learn more about this episode AND get the full links for each of these, click here: https://grantwritingandfunding.com/bonus Favor, please? If you love this podcast, would you please do me a favor and leave a review on iTunes or your podcast listener? This helps others find the podcast and I read each and every review! “Every time I listen to Holly's show, I learn something”

Isatou Bittaye-Jobe is a Grant Consultant specializing in gender justice, youth development, and human rights. Isatou explains why having a specific niche is so important, how to increase the conversion rate of your sales calls, and what you need to transition from employee to business owner. She also talks about how The Freelance Grant Writer Academy can support grant writers, the benefits of having a community of grant writers, and the type of goals you should have when entering the academy. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price of the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. The doors are open to the Freelance Grant Writer Academy until May 12th, click here to join - https://grantwritingandfunding.com/freelance-grant-writer-academy/ Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨Everything Inside the FGW Academy, Who It's For, & How to Get Your Investment Back with One Sale ✨Finding a Community of Grant Writers ✨How Jen Made Her Investment Back within 3 Months, booked out clients, and won her first grant Inside the Academy Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

Olive Idehen is the founder and owner of Callive, LLC an independent organizational development consulting firm for small and medium sized social change and nonprofit organizations. Olive explains how to decide which nonprofits to work with, the strategic planning systems that can be created for onboarding clients, and the ways having a master grant template can help with prospecting. She also talks about the importance of pricing your grant writing services correctly, how she positioned herself as a more credible grant writer, and the ways that the Freelance Grant Writer Academy has supported her. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price of the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. The doors are open to The Freelance Grant Writer Academy unti May 12th, click here to join - https://grantwritingandfunding.com/freelance-grant-writer-academy/ Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨Everything Inside the FGW Academy, Who It's For, & How to Get Your Investment Back with One Sale ✨Finding a Community of Grant Writers ✨How Jen Made Her Investment Back within 3 Months, booked out clients, and won her first grant Inside the Academy Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

Doors to the Freelance Grant Writer Academy are Now Open Until Sunday, May 12th at 11:59 pm EST. The Freelance Grant Writer Academy is a 12-Month group coaching program for new and experienced grant writers to get everything you need to replace your full-time income by working flexible hours while writing high-quality grants quickly. Our students have earned more than $60Million+ in grant funding, and in less than a year, have earned $1.2MIillion+ in income into their grant writing businesses. The price to the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Doors close on Sunday, May 12th at 11:59 pm EST. Join Now: https://grantwritingandfunding.com/freelance-grant-writer-academy Listen to the full Webinar Replay, "Replace Your Full-Time Income, on Flexible Hours, Writing High-Quality Grants Fast" and all of the live Q&A

**Doors OPEN! *** The Freelance Grant Writer Academy is a 12-Month group coaching program for new and experienced grant writers to get everything you need to replace your full-time income by working flexible hours while writing high-quality grants quickly. Our students have earned more than $60Million+ in grant funding, and in less than a year, have earned $1.2MIillion+ in income into their grant writing businesses. The price to the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Doors close on Sunday, May 12th at 11:59 pm EST. Join Now: https://grantwritingandfunding.com/freelance-grant-writer-academy In this episode, Holly talks about how long it takes to get your investment back from The Freelance Grant Writer Academy, the community of grant writers in the academy, and how they can support you. She also explains how the grant review service works, the systems grant writers should have to earn a profitable income, and how to have sales conversations with nonprofits ethically and helpfully. Holly Rustick is a world-renowned grant writing expert and Amazon bestselling author who has been coaching grant writers on how to run successful 5-6 figure businesses since 2017. Doors to the Freelance Grant Writer Academy are Now Open Until Sunday, May 12th at 11:59 pm EST. Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨Get your 9-5 to Pay for the Academy ✨Transitioning to Freelance Grant Writing: Building Your Business Gradually ✨Replace Full-Time Income on Flexible Hours as a Freelance Grant Writer Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

Gwen Valentino is a grant administrator at NM Grant Writers, where she empowers local governments and nonprofit organizations by unlocking the full potential of grant funding. Gwen explains how she's streamlined her grant writing process through using the checklists and systems available in the freelance grant writing academy. She also talks about how to get returning customers as a grant writer, the different types of organizations grant writers can work with, and the impact having a website has had on her grant writing business. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price of the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. The doors are open to the Freelance Grant Writer Academy until May 12th, click here to join https://grantwritingandfunding.com/freelance-grant-writer-academy/ Resources mentioned in this episode: ✨Freelance Grant Writer Academy ✨Everything Inside the FGW Academy, Who It's For, & How to Get Your Investment Back with One Sale ✨Finding a Community of Grant Writers ✨How Jen Made Her Investment Back within 3 Months, booked out clients, and won her first grant Inside the Academy Rate, Review, & Follow on Apple Podcasts ___________________________________________________________ ✨

Clark updates EV deals with Tesla now in the mix. Also, what to know about digital wallet options including Paze, a new entry from the big banks. Tesla Deals: Segment 1 Ask Clark: Segment 2 Digital Wallets: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What's wrong with Tesla? [The Washington Post] Ready or not, self-driving semi-trucks are coming to America's highways Should You Take Your Pension in a Lump Sum or Monthly Payments? Pension Benefit Guaranty Corporation: Home Page Best Secured Credit Cards for 2024: Top Picks for Building or Repairing Credit The Family Digital Wallet Is A $26 Billion Deposit Opportunity For Banks NYTimes: The Youths Have Spoken: Wallets Are Lame. Go Digital. Millions of small businesses have a new reporting requirement. Here's what to know. Bogleheads Investing Advice and Info Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Doors of The Doctor Coach School™ are open. The Doctor Coach School™ is the only comprehensive coach training program for women doctors of color who want to hit $100K, creating income and impact outside their doctor job.It includes a curriculum on marketing, an entire training dedicated to running high-converting sales calls, training on how to utilize and develop your very own coaching tools and frameworks that get your clients results, and a simple process for how to launch your scalable group coaching offer.Join for $20K paid in full, 12 Monthly Payments of $1,667 or make a $500 deposit and use a third-party funding option.Click here to book a sales call with Dr. Kimmy.******************************************************************************When Dr. Yameika joined DCS, she knew she was in a transition phase. Medicine was not the end all be all for her-she wanted more.She knew she could help parents of children with an unexpected diagnosis cope with all of their fears and parent their children in a healthy, loving way, but she struggled to believe that people would actually buy her offer. She was also unsure about how to manage her full-time job with signing clients. Dr. Yameika has since mapped out her own intellectual property and grew her confidence in her ability to market and sell her offer. She conducted sales calls utilizing The Sales Call Prescription framework, and has been able to sign 3 $5,000 clients. She is excited about helping them to transform with her help.She went from being unsure if people would buy a high-ticket offer from her to making 5-figures as a brand-new Doctor Coach.Listen in as we get into her amazing story.Connect with Dr. Yameika: On InstagramOn FacebookLet's Connect: On Instagram On Facebook On LinkedIn On TikTok On my website

The Doors of The Doctor Coach School™ are open. The Doctor Coach School™ is the only comprehensive coach training program for women doctors of color who want to hit $100K, creating income and impact outside their doctor job. It includes a curriculum on marketing, an entire training dedicated to running high-converting sales calls, training on how to utilize and develop your very own coaching tools and frameworks that get your clients results, and a simple process for how to launch your scalable group coaching offer.Join for $20K paid in full, 12 Monthly Payments of $1,667 or make a $500 deposit and use a third-party funding option. Click here to book a sales call with Dr. Kimmy.******************************************************************************The last day to book your call is December 5th at 11:59 PM EST.When I tell you this is the best training that I have ever put together, and I have put together some fire trainings, so you know this was the best

  The Friday Five for February 23, 2024: Apple Music Replay Monthly FDA Approves Severe Frostbite Treatment New Audio Features from Samsung Medicare Prescription Payment Plan Program KFF Poll on Affordability & ACA: Takeaways for Agents   Ask the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/    Resources: 4 Perks of Partnering with an FMO: https://link.chtbl.com/ASG575 A Financial Snapshot of Medicare Beneficiaries in 2023: https://link.chtbl.com/ASGF20240209 Halfway Through Medicaid Unwinding: https://link.chtbl.com/ASGF20240216 Learning from Lost Medicare Insurance Sales: https://link.chtbl.com/ASG576 Social Media Marketing Apps: https://link.chtbl.com/ASGA52   Apple Music Replay Monthly: Apple Music introduces a monthly version of Replay: https://techcrunch.com/2024/02/20/apple-music-introduces-a-monthly-version-of-replay/ Apple Music Reply will recap listening habits monthly: https://www.theverge.com/2024/2/20/24078224/apple-music-reply-will-recap-listening-habits-monthly   FDA Approves Severe Frostbite Treatment: FDA approves first treatment for severe frostbite: https://www.cnn.com/2024/02/14/health/iloprost-frostbite-fda/index.html FDA Approves Iloprost for Severe Frostbite: https://www.medscape.com/viewarticle/fda-approves-iloprost-severe-frostbite-2024a10003cn?form=fpf US FDA approves first treatment for severe frostbite: https://www.reuters.com/business/healthcare-pharmaceuticals/us-fda-approves-first-treatment-severe-frostbite-2024-02-14/   New Audio Features from Samsung: Samsung details a host of audio upgrades coming to its phones, tablets, and TVs: https://www.theverge.com/2024/2/20/24078026/samsung-galaxy-buds-auracast-360-audio-auto-switch-support Samsung is upgrading a bunch of audio capabilities on its phones, tablets and earbuds: https://www.engadget.com/samsung-is-upgrading-a-bunch-of-audio-capabilities-on-its-phones-tablets-and-earbuds-133533584.html   Medicare Prescription Payment Plan Program: CMS Issues Additional Guidance on Program to Allow People with Medicare to Pay Out-of-Pocket Prescription Drug Costs in Monthly Payments: https://www.cms.gov/newsroom/press-releases/cms-issues-additional-guidance-program-allow-people-medicare-pay-out-pocket-prescription-drug-costs Draft CY 2025 Part D Redesign Program Instructions Fact Sheet: https://www.cms.gov/newsroom/fact-sheets/draft-cy-2025-part-d-redesign-program-instructions-fact-sheet Fact Sheet: Medicare Prescription Payment Plan: https://www.cms.gov/files/document/medicare-prescription-payment-plan-fact-sheet.pdf   Maximum Monthly Cap on Cost-Sharing Payments Under Prescription Drug Plans: Draft Part One Guidance on Select Topics, Implementation of Section 1860D-2 of the Social Security Act for 2025, and Solicitation of Comments: https://www.cms.gov/files/document/medicare-prescription-payment-plan-part-1-guidance.pdf Medicare Prescription Payment Plan: Draft Part Two Guidance on Select Topics, Implementation of Section 1860D-2 of the Social Security Act for 2025, and Solicitation of Comments: https://www.cms.gov/files/document/medicare-prescription-payment-plan-draft-part-two-guidance.pdf Timeline: Medicare Prescription Payment Plan Implementation: https://www.cms.gov/files/document/medicare-prescription-payment-plan-timeline.pdf   KFF Poll on Affordability & ACA: Takeaways for Agents: Boost Your Commissions with a New HI Sales Strategy ft. Harry Rittner & Damon Logan: https://link.chtbl.com/ASG494 Cross-Selling Cancer, Heart Attack and Stroke, and Critical Illness Insurance: https://ritterim.com/knight-school/expand-dominate/cross-sell/6/ How to Cross-Sell Insurance: The Advisor Approach: https://link.chtbl.com/ASG409 KFF Health Tracking Poll February 2024: Voters on Two Key Health Care Issues: Affordability and ACA: https://www.kff.org/affordable-care-act/poll-finding/kff-health-tracking-poll-february-2024-voters-on-two-key-health-care-issues-affordability-and-aca/ Questions for our Sales Team? Reach out for answers: https://ritterim.com/meet-your-sales-team/

The Freelance Grant Writer Academy is a movement to help level out the freelance grant writer industry. Our movement is to change the paradigm, "I need a 9-5 for financial stability" to "My skills and systems provide financial stability." Specifically, we coach women freelancers to overcome past money and time trauma so that you step into financial stability and safety. Our curriculum, coaching, and processes provide the pathway to replace your full-time income while writing grants part-time. We teach you value-based pricing and ethical nonprofit sales. When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The Academy is just One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Doors close on Sunday, Jan. 21st at 11:59 pm EST. Click here to join the movement: https://grantwritingandfunding.com/freelance-grant-writer-course/

When you join the Freelance Grant Writer Academy, aspiring and seasoned grant writers get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. Yes, you are investing, but it is a drop in the bucket compared to everything you get inside. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The Academy is just One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Doors close on Sunday, Jan. 21st at 11:59 pm EST. >> Click here to join the Freelance Grant Writer Academy: https://grantwritingandfunding.com/freelance-grant-writer-course/

The Freelance Grant Writer Academy is the #1 Grant Writing and Nonprofit Sales Program in the Industry. When you join the Freelance Grant Writer Academy, you get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price to the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Join Now by clicking: https://grantwritingandfunding.com/freelance-grant-writer-course/ Each part of the Academy is a simple process, even if you work a full-time job. You get 12 months to do the curriculum and access the coaching: Business Curriculum: We help you figure out your services, get your business set up, manage your money, and manage your calendar! You will learn our very own Unique Industry Concept formula, where you will always STAND out. Pricing & Sales Curriculum: We teach you our Ethical Nonprofit Sales Strategy and Value-based Pricing. Walk into sales calls with confidence and never back down on your pricing again. Unlimited Customized Grant Reviews: We are the only program in the industry that offers grant reviews. We have been writing grants for 20 years and federal reviewers for 10 years. When we review your grants and give feedback, your grant success rate increases exponentially and you refine your grant writing skills. (We charge $2,500 for reviewing grants to the public. You get as many grants reviewed as you want throughout the entire program! This is a no-brainer). Twice per month Live Coaching Calls: Ask anything in our coaching calls from sales questions, dealing with troublesome clients, how to run a grant workshop, and more. And if you can't come, you can access a private podcast for all replays. Daily Slack Channel: Our expert coaches will respond to any question, and it's a great place to interact with your community. Personalized Business Feedback: Anything to do with your business, we look over and give you personalized feedback. This alone is HUGE as it's the little decisions in business that cause paralysis. Grant Writing Curriculum: You learn how to write a master grant template in 30 days. In fact, we have our 30-day Live Challenge to write a Master Grant Application starting Feb. 5th. Having grant experts even review ONE grant is easily worth the entire price of the program. Bonus Skill Curriculum: We also teach you how to get paid and facilitate Nonprofit Strategic Planning, a Nonprofit Wellness Audit, and a Grant Feasibility Study. When you join the Freelance Grant Writer Academy, you get everything you need to quit your full-time job and replace your full-time income by freelance grant writing from your home. The Freelance Grant Writer Academy is a 12-Month group coaching program, where you get curriculum, coaching, customized feedback and support to start a Freelance Grant Writing Business. The price to the Academy is only One Payment of $2,500 (Get 2 Months Free!) or 12 Monthly Payments of $250. Doors close on Sunday, Jan. 21st at 11:59 pm EST. Join Now by clicking: https://grantwritingandfunding.com/freelance-grant-writer-course/

Believe it or not, we still get a lot of questions about pensions. Just because there aren't many private companies that are still offering pensions, there are still many people that had them at a job 20 years ago and they have a choice to make or they are retiring from a state employee job. Whatever the case, one of the questions that people are trying to work through is do I take the lump sum on this pension or do I take the monthly income for the rest of my life? Heath Grossman, CFP® joins the podcast to walk us through that conversation because the answer won't be the same for everyone. It needs to be a part of the broader retirement income plan and we'll share a look into how to determine the best answer for you and your family.   Here's some of what we discuss in this episode: What type of person would benefit from the lump sum over the monthly payout and vice versa. How to utilize a hybrid approach to get the best of both worlds. Pension plan payouts are different and that could impact the decision. How does the interest rate environment change the decision?   Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/     

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The Rich Zeoli Show- Full Episode (12/04/2023): 3:05pm- In her most recent New York Times article, journalist Li Yuan documents that an increasing number of Chinese citizens are fleeing their country and crossing the U.S. Southern border illegally. Yuan writes that “[t]he most harrowing part of their journey was trekking through the brutal jungle in Panama known as the Darién Gap.” Chinese citizens are willing to endure the strenuous migration in order to flee a totalitarian regime willing to torment its citizens. You can read the full article here: https://www.nytimes.com/2023/12/03/business/darien-gap-china-immigration.html 3:15pm- On Monday, North Dakota Governor Doug Burgum announced he will suspend his long-shot presidential campaign. According to RealClearPolitics polling averages, Gov. Burgum had only garnered 0.6% support from Republican voters. The Daily Beast reports that Burgum is considered a potential cabinet member, if Donald Trump were to win a second term as president. 3:25pm- While appearing on Fox News with Maria Bartiromo, House Oversight Committee Chairman James Comer (R-KY) revealed that there is now enough internal support from House Republicans to open a formal impeachment inquiry into President Joe Biden regarding money his family received from overseas business associates while serving as Vice President in the Obama Administration. 3:35pm- In a video posted to the Republican Caucus House Oversight Committee's X account, Chairman James Comer (R-KY) alleges that Owasco P.C., a Hunter Biden business, made direct monthly payments to then-Vice President Joe Biden, according to newly discovered bank records. Comer added: “Hunter Biden is under an investigation by the Department of Justice for using Owasco P.C. for tax evasion and other serious crimes.” You can read more here: https://www.nationalreview.com/news/bank-records-show-direct-monthly-payment-from-hunter-bidens-corporation-to-joe-biden/ 3:50pm- While appearing on ABC's This Week with George Stephanopoulos, former RNC Chairman Reince Priebus noted that if Democrats truly believed democracy is on the ballot in 2024, they would run a presidential candidate much stronger than Joe Biden. 3:55pm- While speaking with CBS News' John Dickerson, former Congresswoman Liz Cheney claimed Mike Johnson serving as Speaker of the House during the 2024 presidential election creates an “existential crisis.” She continued, “we have to ensure that we don't have a situation where an election that might be thrown into the House of Representatives is overseen by a Republican majority.” 4:05pm- On Friday, George Santos became the sixth congressman in U.S. history to be expelled from the House of Representatives. The House voted 311 to 114 in favor of removing him following numerous allegations of lying about his background and a 23-count indictment that includes allegations he “repeatedly, without authorization” charged donor credit cards—depositing funds into his own bank account. Meanwhile, Rep. Jamaal Bowman (D-NY) remains a member of the House of Representatives despite pleading guilty to pulling a fire alarm in the Cannon House Office Building just prior to the House holding its vote on a stopgap spending measure to avoid a government shutdown. As Rich notes, Bowman's only punishment was a modest fine and a written letter of apology. 4:10pm- While appearing on The View, Senator John Fetterman (D-PA) reacted to George Santos' expulsion from the House by stating that Senator Bob Menendez (D-NJ) should also be removed from office. Fetterman explained, “Menendez, I think is really a senator for Egypt. You know, not New Jersey. So, I really think he needs to go.” Menendez has been charged with acting as a foreign agent for Egypt, and with accepting bribes in exchange for influence. 4:15pm- Brandon Drey of The Daily Wire writes, “A subpoena request filed in Congress to grant lawmakers access to the flight logs connected to deceased financier and convicted sex offender Jeffrey Epstein was allegedly blocked last week by Sen. Dick Durbin (D-IL). Durbin, who leads the Senate Judiciary Committee, reportedly rejected the request brought forward by Tennessee Republican Sen. Marsha Blackburn in early November. She accused Durbin of standing in the way of certifying the request after a contentious committee meeting on Thursday.” You can read the full article here: https://www.dailywire.com/news/sen-blackburn-says-democrat-led-senate-committee-chair-blocked-epstein-flight-logs-subpoena 4:30pm- If Sen. Bob Menendez (D-NJ) were to resign from the U.S. Senate, would Gov. Phil Murphy (D-NJ) replace him with his wife Tammy Murphy? Last month, Tammy Murphy formally announced her intention to run for U.S. Senate challenging Menendez for his seat. 4:40pm- During Sunday's Eagles-49ers game, San Francisco linebacker Tre Greenlaw and Dom DiSandro, the head of Eagles security, were ejected from the game following a sideline scuffle that DiSandro attempted to break up. 5:05pm- Dr. Wilfred Reilly—Professor of Political Science at Kentucky State University & Author of “Lies My Liberal Teacher Told Me”—joins The Rich Zeoli Show to discuss his latest article at National Review, “There is No Trans Genocide.” Dr. Reilly writes: “Why do respected institutions continue to propound verifiably wrong conspiracy theories about how dangerous America is?” Rich and Dr. Riley also discuss a disturbing Pro-Palestinian protest in Philadelphia on Sunday night that consisted of anti-Semitic chants and the intentional targeting of a restaurant owned by an American-Israeli chef. Plus, the Canadian Human Rights Commission declares that Christmas is racist! You can read the full article here: https://www.nationalreview.com/2023/11/there-is-no-trans-genocide/. And you can pre-order Dr. Reilly's upcoming book here: https://www.amazon.com/Lies-My-Liberal-Teacher-Told/dp/0063265974. 5:40pm- Ellie Rushing of The Philadelphia Inquirer writes: “Two security guards at Macy's in Center City were stabbed, one fatally, inside the iconic department store Monday morning, police said. Shortly before 11 a.m., a 30-year-old man—identified by law enforcement sources as Tyrone Tunnell—attempted to steal some hats from the store at 13th and Market Streets. When security guards confronted Tunnell and retrieved the stolen items, he initially left without incident, said Interim Police Commissioner John Stanford. But about 10 minutes later, Tunnell returned, then approached one of the guards and started stabbing him, Stanford said. When a second security guard attempted to intervene, Stanford said, Tunnell slashed and stabbed that guard as well. One of the men, a 30-year-old who had been stabbed in the neck, died from his injuries at Jefferson Hospital a short time later.” You can read the full article here: https://www.inquirer.com/news/philadelphia/macys-stabbing-philadelphia-center-city-20231204.html 5:50pm- On Monday, North Dakota Governor Doug Burgum announced he will suspend his long-shot presidential campaign. According to RealClearPolitics polling averages, Gov. Burgum had only garnered 0.6% support from Republican voters. The Daily Beast reports that Burgum is considered a potential cabinet member, if Donald Trump were to win a second term as president. 6:05pm- Zach Jewell of The Daily Wire writes: “The Biden administration is pushing countries to ‘accelerate' their climate action and spending $3 billion in taxpayer dollars as a pledge to climate and ‘gender equity' funds, the White House announced Saturday… Buried deep in the White House fact sheet are commitments to advancing ‘gender equity amid climate change,' which include an additional $449 million for new programs such as Global Girls Creating Change, a program that seeks to give 900 girls and young women in 29 different countries ‘professional opportunities in the sustainable economy.'” You can read the full article here: https://www.dailywire.com/news/white-house-announces-3-billion-for-green-projects-overseas-including-nearly-500m-for-gender-equity 6:20pm- During a speech at the 2023 United Nations Conference on Climate Change, U.S. Special Presidential Envoy for Climate John Kerry said that coal fired power plants should not be permitted to exist anywhere in the world. 6:35pm- While speaking in Dubai, Vice President Kamala Harris bizarrely said it was necessary to “revitalize the Palestinian Authority” in response to war between Israel and Hamas. 6:40pm- While speaking with Kristen Welker on NBC's Meet the Press, Gov. Ron DeSantis (R-FL) declined to answer whether the Iowa caucus is “do or die” for his presidential campaign. 6:50pm- During Monday's press briefing, White House Press Secretary Karine Jean Pierre was asked if the Florida Democrat Party cancelling their presidential primary amounted to “voter suppression.” Unsurprisingly, Jean Pierre refused to answer.

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Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠  My socials: ⁠https://linktr.ee/calebhammer⁠  Do you want to be in a Financial Audit and you're in the Austin area? Email castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co  _______________________  Timestamps: 00:00 MAKING ONLY $28,000 A YEAR 05:14 Why are you spending all this money?! 09:50 MISSING HIS DEBT PAYMENTS 12:16 "The bad credit card" lol 17:05 FINANCING A WASHER AND DRYER FOR HIS GRANDPARENTS!!! 24:30 Long car debt... 26:40 Student debt for no degree 29:40 You might be screwed, dude... 33:30 Time to BUDGET 36:00 YOU NEED TO IMPROVE YOUR OWN LIFE FIRST!! 40:00 Clean up this mess... 45:00 This is going to take a very long time 54:07 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠  My socials: ⁠https://linktr.ee/calebhammer⁠  Do you want to be in a Financial Audit and you're in the Austin area? Email castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co  _______________________  Timestamps: 00:00 Job and income 02:40 Her finances are really bad! 04:15 OVERDRAFTING 04:30 Public 06:05 OVERDRAFTING p2 08:50 HOW CAN YOU POSSIBLY JUSTIFY THIS 11:40 She wants to do YouTube 12:55 No retirement... 18:35 DISGUSTING personal loan! 23:35 Terrible credit car debt... 25:32 I made her cry 32:25 More credit card DEBT 38:40 I'm scared for your future... 46:00 COLLECTIONS 48:40 Budget, budget, budget! 54:45 CLEAN THIS UP 01:04:40 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

Jordan Rich filled in on NightSide:Last week SCOTUS shot down Biden's student loan forgiveness plan, which means millions of borrowers must now plan for the return of payments. To help prepare, Jordan spoke with Donald Kerr, Director of Student Lending and College Services at AAA Northeast Bank.

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Although most people know when their financial commitments, like loan payments, are due each month, many are missing their payments because they simply forgot. WSJ personal-finance reporter Veronica Dagher joins host J.R. Whalen to discuss why behavioral economists say this is happening, and steps people can take to get back on track. Learn more about your ad choices. Visit megaphone.fm/adchoices