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For this week's Bitcoin Season 2 Writer's Room, a news roundup that includes some terrible advice from the gigachad himself, and why bitcoin may soon count as an asset when you apply for a mortgage. You're listening to Bitcoin Season 2. Subscribe to the newsletter, trusted by over 16,000 Bitcoiners: https://newsletter.blockspacemedia.comWelcome back to Bitcoin Season 2! Today, Charlie and Colin break down Michael Saylor's Bitcoin Prague keynote where he tells people to leverage it all for bitcoin - including borrowing from family members (what could go wrong?). Plus, the FHFA's directive ordering Fannie Mae and Freddie Mac to recognize crypto as legitimate assets for mortgages, a new Bitcoin stablecoin launch, and the weird on-chain "clocking in" game that's creating the only regular fees on Bitcoin right now.NOTES:• Bitcoin trading at $107,000-$108,000• Michael Saylor's BTC Prague Keynote: Debt for BTC• FHFA order for recognition of crypto as an asset for mortgages• Transaction fees only 2 sats per byte • Tether market cap at $157 billion• Crypto market cap over $3 trillion total• Bitcoin market cap over $2 trillion• People clocking in 30+ days straightTimestamps:00:00 Start02:10 Saylor says leverage = good11:37 Bill Putle BTC as loan backing20:18 Stablecoins on BTC29:16 Make sure you clock in!-
This week your Chef Dwayne Stein explains what home affordability means. Why seller paid concessions is better than lower purchase price.Also Dwayne talks about Student Loans and Buy Now Pay Later syndrome that is sweeping the nation. All that and more on Mortgage Gumbo w/ Dwayne Stein 6/28/25
This week Jay has a special guest in studio talking about "Real Estate Realities". What's really going on in local and national real estate.
This week's Ask Farnoosh mailbag includes timeless questions with a fresh twist:-What should you do after paying off your mortgage?-How to handle running out of tuition money when your child is in their third year of college.-Is it worth opening a second retirement account beyond your 401(k)?-And what's the real difference between a Roth IRA and a Roth 401(k)?
Matty A. dives into the world of crypto-backed mortgages, explaining how you can use Bitcoin or Ethereum as collateral to finance a home—without selling your crypto.Why This MattersKeep your crypto gains intact: Avoid selling and triggering capital gains taxesFaster and easier transactions: Lenders like Milo, USDC.Homes, and Figure offer no-credit-check loans and quick fundingFHFA update: Regulators are now exploring crypto as a recognized asset for mortgage applicants at Fannie Mae and Freddie MacHow Crypto Mortgages WorkPledge crypto as collateral (often 100% of loan value or more)Receive fiat funds for your purchaseLoan repayment in traditional currency — collateral returned when paid in fullBeware of margin calls — if crypto value drops, you may need more collateralPros & ConsProsPreserve crypto upside potentialNo cash down payment or credit check neededFaster closings than traditional loansConsCrypto volatility risks collateral liquidationPlatform risk — fewer regulations than banksWho's It For?Crypto-holders confident in long-term market growthBuyers wanting fast, streamlined access to liquidityIndividuals with thin qualifying profiles for traditional loansAction StepsResearch crypto mortgage lenders: Milo, USDC.Homes, Figure, Ledn, RockoPrepare documentation: Proof of holdings, escrow/custody proceduresBuild a cash buffer for margin call scenariosStay updated: FHFA's evolving stance, mortgage market trendsKey TakeawaysCrypto mortgages offer a strategic way to leverage digital assets without sellingThey're fast, flexible, and tax-efficient but come with volatility and collateral risksWith FHFA backing, crypto is beginning to gain real legitimacy in mainstream lendingTune In & ShareListen now to discover if a crypto mortgage makes sense for your next real estate move and how to get started. Don't forget to rate & review Wise Investor Segment, and follow Matty A. on social media for more investing insights!Episode Sponsored By:Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/CRE MASTERMIND: Visit myfirst50k.com and submit your application to join!FREE CRE Crash Course: Text “FREE” to 844-447-1555
What US intelligence says was the damage to Iran's nuclear program depends on whom you talk to. Meanwhile, details are emerging about secret diplomatic efforts to get Tehran back to the negotiating table with Washington. The US is giving $30 million to a controversial aid group in Gaza, where hundreds have been killed trying to get food. Your next flu shot could be missing something following a CDC vote. Plus, we'll tell you how crypto could soon help you get a mortgage Learn more about your ad choices. Visit podcastchoices.com/adchoices
Will Bitcoin break out this weekend? On this Friday Five, I'm joined by Nathaniel Whittemore to dive into crypto's biggest shake-ups – from Fannie and Freddie counting crypto for mortgages, to the BIS declaring stablecoins unfit as money. We also break down Bitcoin dominance hitting 65%, Texas launching a Bitcoin reserve, Republic's tokenized SpaceX stunt, and a $15B options expiry that could send BTC to $110,000. Nathaniel Whittemore: https://x.com/nlw ►► JOIN THE FREE WOLF DEN NEWSLETTER, DELIVERED EVERY WEEKDAY!
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this conversation, Stephen Schmidt interviews Clayton Silva, a decorated military veteran turned successful real estate investor and mortgage banker. Clayton shares his journey from discovering his passion for investing in high school to navigating the complexities of financing multiple properties. He discusses the challenges he faced in the lending space, the importance of mentorship, and how his military background has influenced his business approach. Clayton also reflects on his early investments and the lessons learned along the way, emphasizing the need for a strong support system and continuous learning in the real estate industry. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this episode, Stephen Schmidt interviews Patton Gade, a former military officer turned mortgage expert specializing in VA loans. Patton shares his journey from West Point to the mortgage industry, discussing the challenges and risks he faced along the way. He emphasizes the importance of understanding VA loans and the misconceptions surrounding them, while also reflecting on his experiences in building a successful mortgage business and team. The conversation highlights the significance of mentorship, the value of networking, and the impact of real estate on financial stability for veterans. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this episode, Stephen Schmidt interviews Jay Robins, a seasoned mortgage professional who shares his transformative journey from a high-rolling career in real estate to a more spiritually aligned approach to business. Jay discusses the challenges he faced during the 2008 financial crisis, his awakening to the importance of authenticity, and how he now integrates spiritual principles into his work at Coa River Capital. The conversation emphasizes the significance of vibrational alignment, serving others, and the power of belief in achieving success. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------
Jenny Horne and Adam Lynch dive into a busy week for the digital asset space. Stablecoin-related stocks Circle (CRCL) and Coinbase (COIN) continue to rally on increased adoption interest in the blockchain token-based payment system. Fiserv (FI) and Mastercard (MA) announced a partnership to explore stablecoin adoption. And, the duo discuss the Trump administration's interest in approving cryptocurrency as an asset for single-family loans. VIRTUAL CURRENCY-RELATED INVESTING INVOLVES A HIGH DEGREE OF RISK AND MAY NOT BE SUITABLE FOR ALL INVESTORS. INVESTORS MUST HAVE THE FINANCIAL ABILITY, SOPHISTICATION,EXPERIENCE AND WILLINGNESS TO BEAR THE RISKS OF AN INVESTMENT, AND A POTENTIAL TOTAL LOSS OF THEIR INVESTMENT.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about
Top tips on how to secure a mortgage as approvals hit record levels. Telling us all was Martina Hennessy, Managing Director of Doddl.
Crypto News: The US Government Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage. Robinhood CEO Vlad Tenev says crypto will replace traditional finance.Show Sponsor - ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/
We are releasing today on our podcast show a repurposed webinar that we produced on June 11, 2025 entitled “What is happening at the federal agencies that is relevant to the residential mortgage and settlement service industries.” During this podcast, we will inform you about recent developments at federal agencies, including the CFPB, HUD/FHA, OCC, FDIC, FRB and USDA (collectively, the “Agencies”), as well as Congress, the White House, states and the courts. Some of the issues we consider are: • Changes in leadership and priorities at the CFPB, as well as efforts to significantly reduce the funding and staffing at the CFPB and related lawsuits. • House Republican criticism of various CFPB actions under former Director Chopra. • The rescission and revisiting of CFPB final rules, proposed rules and informal guidance, including the Nonbank Enforcement Order Registry final rule, Residential Property Assessed Clean Energy (PACE) Financing final rule, Residential Mortgage Servicing proposed rule, and FCRA “Data Broker” proposed rule. • The termination of CFPB enforcement efforts and revisiting of CFPB redlining consent orders. • The rescission of Community Reinvestment Act rule amendments. • The White House directive for the federal government to eliminate the use of disparate-impact liability. • The status of the HUD disparate impact rule under the Fair Housing Act. • HUD's reversal of various FHA policies adopted during the Biden Administration, including guidance regarding appraisal bias and reconsideration of value. • Trigger leads bills. • White House firings of independent agency board/commission members and efforts to exert control over independent agencies. • State efforts to fill the void left by the actions at the CFPB. John Socknat, co-head of our Consumer Financial Services Group, moderated and participated in the presentation, along with the following other members of the Consumer Financial Services and Mortgage Banking Groups: Richard Andreano, Jr., John Culhane and Matthew Morr.
Are you thinking about buying a home, but unsure how global events or economic shifts might impact your decision?Do rising interest rates, inflation, or job security concerns have you second-guessing your next move?If you answered yes — this episode is for you.In this powerful episode, your hosts sit down with Megan Munley from Guild Mortgage, one of their trusted lending partners, to unpack how geopolitical events and economic trends are shaping the real estate market today. From tensions in the Middle East to domestic inflation and employment trends, Megan breaks down how these global forces affect mortgage rates, lending strategies, and overall housing affordability.You'll hear expert insights on:How international conflicts and government spending can sway interest ratesThe importance of responsible lending and preparation in uncertain timesWhy renters should pay close attention to their landlords' financial decisionsPractical tips on planning for homeownership despite external economic pressuresWhether you're renting, buying, or simply keeping an eye on the market, this conversation will help you make smarter, more confident financial decisions.
Special Guest: Phil Treadwell#howimetyourmortgage #justthetipscoaching #justthetips #salescoachingdenver #salescoaching #realestate #mortgage #sales #salestips #businesstips #tunein #podcast #videocast #applepodcast #spotifypodcast
AP correspondent Alex Veiga reports mortgage rates are lower.
XRP Evolution - Lending | Trump's Crypto Vision Just Got Real | Mortgages with Bitcoin?! XRP's evolution continues—trust, lending, and DeFi expansion on XRPL. But while Ripple redefines finance, the U.S. is redefining crypto policy… and the chaos in NYC reveals just how broken the system really is. Trust? It's under siege—from D.C. to DeFi. Let's break it all down.
David Fleming is a mortgage broker and property investment financial expert as well as co-founder of Equity Resource Proprietary Limited. He has been in the property investment industry for over 20 years. With that wealth of knowledge behind him, he helps his clients implement strategies that can save them money within their budget to pay off their mortgage faster. Join us as we delve into David Fleming's background and his upbringing in New Zealand, what his time spent in the United States was like, how he got his start in the property investing industry, how he is able to help his clients with their budget, a story about a situation that nearly ended in disaster, and much more in this episode of Property Investory! Hosted on Acast. See acast.com/privacy for more information.
You've been lied to. No, you don't need perfect credit. No, you don't need 20% down. And no, you don't need a six-figure salary to become a homeowner.In this straight-shooting episode, Coach Clarence busts the biggest myths that have been holding people back from buying a home. Whether you're living paycheck to paycheck or just unsure where to start, this one's for you.✅ Learn the truth about what it takes to get qualified ✅ Discover loan options you probably didn't know existed ✅ Walk away with 3 powerful, actionable steps that could have you holding the keys to your new home in just 30–45 daysRenting is not the only option. ✅ Ownership is possible—sooner than you think.Subscribe now for weekly no-fluff tips that make homeownership real and reachable.Download my first-time Homebuyer guide here:https://drive.google.com/file/d/1XSAShPVyS5WsVQk9Zr7Mz4PaR8Gw0mkU/view?usp=drive_linkSupport the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at: info@coachclarence.com. We love your feedback.YouTube: Coach Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus
A Specific Power of Attorney (POA) for a mortgage closing is a legal document that allows one person (the principal) to authorize another person (the agent or attorney-in-fact) to act on their behalf only for the purpose of completing a mortgage transaction—typically when the principal cannot be physically present at the closing.Key Points of How It Works:✅ Purpose-Specific AuthorizationThe document limits the agent's authority strictly to the mortgage transaction, such as signing loan documents, the note, deed of trust, and other closing forms.It does not grant broad financial powers—only what's specifically listed.✅ Common UsesWhen the borrower is:Out of the country or stateIn the militaryHospitalized or otherwise unavailable on closing day✅ Lender and Title Company Approval RequiredThe lender must approve the POA in advance. Some lenders are strict and may require the POA to be:Dated close to the closing dateNotarized and possibly recordedThe title company must also approve the document to ensure it's valid and complies with local regulations.✅ Execution RequirementsIt must:Clearly describe the property addressState the exact powers being granted (e.g., “to execute all documents required to close on the mortgage loan for [property address]”)Be notarized, and in some states, also witnessedSometimes be recorded with the county clerk if it's used to sign a deed or deed of trust✅ ExpirationSome are written to expire after a short period (e.g., 30 or 60 days), or immediately after closing.✅ RevocationThe principal can revoke it at any time before the closing by notifying the agent and any third parties relying on it (like the lender or title company) in writing.Example ScenarioSuppose Jane is buying a home but will be overseas on the closing date. She signs a Specific POA authorizing her sister to sign all documents necessary to complete the mortgage transaction for the home at 123 Main St. The lender and title company review and approve the POA ahead of time. On the day of closing, Jane's sister signs the documents on her behalf, using the POA.tune in and learn at https://www.ddamortgage.com/blogDidier Malagies nmls#212566dda mortgage nmls#324329 Support the show
David Fleming is a mortgage broker and property investment financial expert as well as co-founder of Equity Resource Proprietary Limited. He has been in the property investment industry for over 20 years. With that wealth of knowledge behind him, he helps his clients implement strategies that can save them money within their budget to pay off their mortgage faster. Join us as we delve into David Fleming's background and his upbringing in New Zealand, what his time spent in the United States was like, how he got his start in the property investing industry, how he is able to help his clients with their budget, a story about a situation that nearly ended in disaster, and much more in this episode of Property Investory! Hosted on Acast. See acast.com/privacy for more information.
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3190: Jen Hayes challenges the conventional wisdom of rushing to pay off your mortgage, emphasizing that financial decisions should align with individual circumstances. By comparing real-life examples and outlining when early repayment may not be ideal, she encourages a more flexible and personalized approach to financial freedom. Read along with the original article(s) here: https://www.jenhayes.me/why-you-shouldnt-pay-off-your-mortgage-early/ Quotes to ponder: "Paying $54,000 is a much better deal than paying $100,000 (plus interest)!" "Is it worth it to pay off your $200,000 mortgage in five years if you're behind on retirement saving and you're tired of being frugal?" "You could, for example, pay off your mortgage over 10 or 12 years instead of 5 or 15." Episode references: The Baby Steps (Dave Ramsey): https://www.ramseysolutions.com/dave-ramsey-7-baby-steps Risk Parity Radio: https://www.riskparityradio.com Learn more about your ad choices. Visit megaphone.fm/adchoices
Greeting's from Saint Thomas Island! Jason's on the Real Estate Guys' Investor Summit at Sea cruise and reminds his listeners to sign up for the FREE MASTERCLASS every second Wednesday of the month! https://jasonhartman.com/wednesday Jason and Edward Dowd discussed the book "Cause Unknown: The Epidemic of Sudden Deaths" and its focus on the increase in all-cause mortality during the pandemic, as well as the group life insurance policies provided to employees at fortune 500 companies and mid-sized companies. They also discussed the significant increase in excess mortality rates among the insured population, particularly in the age group of 5 to 44, and the potential link between vaccine mandates and the forced vaccination of employed individuals. The conversation also touched on the economic impact of the influx of immigrants, the potential for a recession in the US, and the deflationary effects of tariffs. Follow Edward on X.com https://x.com/DowdEdward https://phinancetechnologies.com/ #EdwardDowd #CauseUnknown #EpidemicOfSuddenDeaths #AllCauseMortality #ExcessMortality #VaccineInjuries #MRNAShot #VaccineAdverseEvents #DisabilityData #GroupLifeInsurance #MillennialMortality #SuddenDeaths #EconomicOutlook #RecessionForecast #IllegalImmigrationImpact #GovernmentSpending #DeficitSpending #Tariffs #DeflationaryTariffs #FederalReserve #InterestRates #Deregulation #TrumpEconomy #BidenEconomy #RFKJr #VaccineImmunity #PublicHealth #MacroEconomics Key Takeaways: 1:30 Carl Sagan predicts the future 2:46 https://jasonhartman.com/wednesday Edward Dowd interview 4:27 Meet Edward and the "Epidemic of of Sudden Deaths" 13:29: Sponsor: https://www.monetary-metals.com/Hartman 15:27 Lag time 17:34 Infertility and Miscarriages 19:49 Illegal immigration and the Economics from a demographic POV 25:14 Trump and big bumps on the road 28:54 Tariffs- inflationary or deflationary 31:32 The FED and rate cuts 33:30 Vaccine deaths and immunities 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
Crypto News: Federal Reserve Chair Jerome Powell says "banks are free to conduct crypto activities.".Anthony Pompliano's ProCap buys 3,724 Bitcoin. Bill Pulte says US government will into crypto being used for mortgages.Show Sponsor -
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this episode of the Real Estate Pros podcast, host Mike Stansbury interviews Chris Cavazos, a mortgage broker from Sugarland, Texas. Chris shares his journey into the mortgage industry, influenced by his father's brokerage. He discusses the challenges faced during the 2008 financial crisis and how he adapted his business strategies. The conversation highlights the importance of building relationships in real estate, the impact of media on public perception of mortgages, and Chris's insights on maintaining work-life balance while being dedicated to client service. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------
I'm breaking down the 4 biggest sales fumbles that most mortgage professionals make and how YOU can avoid them to skyrocket your closing rate. If you want to close more deals and stop wasting time, this one's for you.Support the showJoin our weekly calls so you we can help you too!
In this episode, I had a great conversation with Sam May, a seasoned Loan Officer from All Western Mortgage. Sam and I talk about something that doesn't always get enough attention in our industry—vulnerability—and how being real and open can actually strengthen business relationships and team culture. He shares his journey through the ups and downs of the mortgage world and the lessons he's learned along the way, especially when it comes to hiring the right people and creating a strong, supportive team.We also dive into how important it is to truly understand your clients and create an experience that makes them feel seen and supported. Sam talks about the software he developed, called HOMPWR, and how it's helping to improve the mortgage process in a really smart and innovative way. We touch on the role AI could play in the future of the industry, the struggle so many of us face with perfectionism, and why community and collaboration matter more than ever. It's a conversation full of insight and heart—I think you're really going to enjoy it!Episode Resources:Connect with Sam: https://www.instagram.com/loanguysd/Learn More about HOMPWR: https://www.hompwr.comGet Loan Team Training for YOUR Team: loanteamtraining.comWatch my podcast on YouTube: https://youtu.be/Ha94ZZq-Sp0Follow me on Instagram (https://www.instagram.com/itsireneduford/)Follow me on LinkedIn (https://www.linkedin.com/in/ireneduford/)Follow us on Facebook: (https://www.facebook.com/LoanTeamTraining)Email: ireneandkevin@loanteamtraining.comEpisode Highlights:00:00 Introduction and Connection02:16 Journey into the Mortgage Business03:40 Building a Strong Team Culture06:43 Hiring for Success10:25 The Importance of Tough Conversations11:48 Setting Expectations with Clients14:14 The Role of Video in Client Engagement20:07 Creating a Better Client Experience21:54 Innovating with Technology in Mortgages31:52 Embracing Video Communication34:08 The Evolution of HOMPWR36:02 AI's Role in the Mortgage Industry37:59 The Journey of Building a Course39:50 Overcoming Perfectionism42:45 The Fear of Releasing Work45:19 The Importance of Team Dynamics48:19 Relationship vs. Transactional Business51:19 The Power of Community and Collaboration54:24 Work Ethic and Helping Others
You know I love a great discussion about the secondary mortgage market. That's precisely why I started a new podcast last month called Debt Doctor (https://www.youtube.com/@billbymel), delivering the definitive prescription for navigating the complex world of distressed real estate debt and specialty finance to help you identify, acquire, and monetize undervalued real estate assets. You'll definitely want to hear this discussion about the secondary mortgage market with Nathan Turner, affectionately known as the Canadian Note Guy. Nathan shares his journey into note investing — pioneering a shift in the note investing landscape by opening opportunities for private investors into a space long dominated by institutions, and his leadership role in launching the Diversified Mortgage Expo (DME).We explore the multifaceted strategies of note investing — from land notes and participations to contracts for deed and commercial properties — while highlighting the importance of adaptability in today's evolving market. Nathan also brings a fresh take on investor networking, blending professional insights with unconventional experiences to foster authentic connections.Our conversation goes beyond just investment mechanics. We examine the ripple effects of events like COVID-19 on mortgage defaults and discuss the strategies banks and investors are using to navigate this new terrain.Whether you're a hands-on investor or prefer to work with seasoned experts, this episode offers valuable insights into building resilient, diversified real estate portfolios with much less risk.Connect further with Nathan Turner on LinkedIn https://www.linkedin.com/in/nathan-turner-a9a1b510/ or https://earnestinvesting.com.First Lien Capital is your trusted investment partner. First Lien Resolutions is your trusted Special Assets Group partner. Schedule a consultation with Bill to ELEVATE (https://billbymel.com/investor/) or REVIVE (https://billbymel.com/advisor/) your portfolio today.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3190: Jen Hayes challenges the conventional wisdom of rushing to pay off your mortgage, emphasizing that financial decisions should align with individual circumstances. By comparing real-life examples and outlining when early repayment may not be ideal, she encourages a more flexible and personalized approach to financial freedom. Read along with the original article(s) here: https://www.jenhayes.me/why-you-shouldnt-pay-off-your-mortgage-early/ Quotes to ponder: "Paying $54,000 is a much better deal than paying $100,000 (plus interest)!" "Is it worth it to pay off your $200,000 mortgage in five years if you're behind on retirement saving and you're tired of being frugal?" "You could, for example, pay off your mortgage over 10 or 12 years instead of 5 or 15." Episode references: The Baby Steps (Dave Ramsey): https://www.ramseysolutions.com/dave-ramsey-7-baby-steps Risk Parity Radio: https://www.riskparityradio.com Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome to a powerful new episode of the FinTech Hunting podcast, hosted by Michael Hammond. In this insightful conversation, we're joined by Nick Rutherford, mortgage tech expert and VP of Sales & Product at Milo—a cutting-edge customer retention platform for mortgage professionals.This episode was recorded following the NJMBA Conference in New Jersey, where industry leaders gathered to discuss the future of mortgage lending and technology.In this episode, we cover:• The importance of up-funnel engagement to boost client retention• How white-labeled home value reports drive monthly interaction• Why “point of thought” is the new battleground for lenders• Smart CRM integrations that deliver loan officer alerts in real-time• AI's fast-moving impact on mortgage marketing and borrower behavior• How personalized data, not generic drip content, drives conversionsWhether you're in New York, New Jersey, California, or serving clients across the country, this conversation delivers must-know strategies for loan officers, lenders, and fintech innovators.
Vlad talks about being approached by a drug lord in Times Square, doing comedy in the Big Jabolko (Apple), driving to French country Montreal, being on the road and meeting the Vladiators. Come to the USA/CANADA shows https://www.mycousinvlad.comDNA DISTILLERY (AWARD WINNING RAKIJA)Award winning Rakija company with immaculate celebratory beverages. Check out the entire range on the below websites, order a tasting pack or some of their flagship, amazing rakija today! https://www.dnadistillery.comCARDSTRIKE! (NEW PODCAST SPONSOR!!!) Amazing Basketball cards, Michael Jordan memorabilia and everything collectable sports card buying and selling!!!https://www.cardstrike.com.auROYAL STACKS! (IMMACULATE BURGERS)Melbourne's Greatest Burgers! Royal Stacks is a booming burger chain in Victoria with classic burgers, shakes and more, with a 90s vibe and high quality food! https://www.royalstacks.com.auMETROPOLITAN STONE (Kitchens, Cabinets, Laundry, All Cabinets)We have a combined 30 years experience in the cabinet making industry in Victoria! Everything from small projects to large projects!Benchtop change overs, Kitchen facilities, Kitchens, Laundries, Bathroom cabinets, T.V units, Wardrobes etc!MENTION: VLADContact: MATT 0425797488Matthew@metropolitanstone.com.auhttp://www.metropolitanstone.com.auORANGE LEGAL GROUP (Specialising in Property law for purchasing and selling, conveyancing, in-house Mortgage broker & Chartered Account! One stop shop for ALL property needs! Wrap! FREE Contract reviews for buyers before purchasing property!Mention VLAD!https://www.orangelegalgroup.com.auEmail: property@orangelegalgroup.com.auContact: mycousinvlad@gmail.comhttp://www.instagram.com/mycousinvladSend Vlad a Text MessageSupport the showBE GOODDO GOODGET GOOD
This week on Inside the Economy, we explore the housing market, immigration, and the Treasury market. Mortgage rates have been hovering around 7%. Has the heightened level of interest rates negatively impacted existing home sales? New construction of single-family homes stands at over 900,000; how does that compare to multifamily construction? In other news, U.S. immigration trends for green card holders and temporary visa recipients have remained steady or slightly increased, but has immigration among other foreign nationals declined, possibly due to recent policy shifts? Meanwhile, the 30-year yield has begun to creep down from its peak in May. Could Treasuries still be considered a safe haven for both domestic and foreign investment? Tune in to learn more! Key Takeaways: Head CPI Inflation at 2.4% (YOY) 30-year Mortgage rate at 6.81% Existing Home Sales at $4M in May
In this episode, Scott Curry shares the tough lessons from his first rental property—where things went wrong and how he turned it around. We break down what he learned, what he's doing differently now, and why he's focused on 5-bedroom homes with land.Scott talks about the pros and cons of buying larger properties, how he manages tenant responsibilities like lawn care, and why land has become a key part of his strategy.We also dive into his journey of buying raw land and transforming it into a profitable RV park—from acquisition costs to setup, income, expenses, and how to know if a piece of land has potential. potential.https://rentalincomepodcast.com/episode527Thanks To Our Sponsors:Ridge Lending Group - Making investment Mortgage process simple and stress-free.MidSouth HomeBuyers – Turnkey Rentals In Memphis & Little Rock. Instant Cash Flow On Day One. (Priced between $100,000 to low $200's)
Mortgage pro Aaron Chapman made a massive move after 10 years with the same firm — and it's shaking up the real estate investing world. In this high-impact episode, he reveals: Why he left a successful operation to rebuild from scratch The game-changing DSCR loan that lets investors buy under an LLC with no tax returns How he's building an all-in-one ecosystem — legal, lending, CPA, hard money, insurance — for investors What's really happening in the market (hint: don't wait for lower rates) A sneak peek at his new book, "Redneckonomics" If you're serious about real estate investing, don't miss this bold and brutally honest episode. Click play — this one could change your strategy. For more about Aaron, visit aaronchapman.com
Mortgage pro Aaron Chapman made a massive move after 10 years with the same firm — and it's shaking up the real estate investing world. In this high-impact episode, he reveals: Why he left a successful operation to rebuild from scratch The game-changing DSCR loan that lets investors buy under an LLC with no tax returns How he's building an all-in-one ecosystem — legal, lending, CPA, hard money, insurance — for investors What's really happening in the market (hint: don't wait for lower rates) A sneak peek at his new book, "Redneckonomics" If you're serious about real estate investing, don't miss this bold and brutally honest episode. Click play — this one could change your strategy. For more about Aaron, visit aaronchapman.com
Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we go through some news stories from around the mortgage industry. Plus, Robbie sits down with Duke professor Marvin Chang for a discussion on how mortgage lenders should prioritize AI, aligning LO incentives with company incentives, driving costs down, and securing a return on investment. And we close with a look at why rates have been range-bound despite the conflict in Iran.Thank you to Optimal Blue. Optimal Blue bridges the primary and secondary mortgage markets to deliver the industry's only end-to-end capital markets platform, helping lenders maximize profitability and operate efficiently so they can help American borrowers achieve the dream of homeownership.
Bank of America discharged over 16,000 old mortgages after a merger with Fleet. Then it discovered more than hundreds of the loans had never been paid off after all. The bank has sued over 100 of homeowners in Massachusetts to reinstate the mortgages.
Explore strategies to strengthen your finances and get smart answers to common home buying and mortgage questions. When you're looking to buy your next home, should you pay off your current mortgage or save more for a down payment? How does mortgage recasting work? Hosts Sean Pyles and Elizabeth Ayoola answer several questions from listeners about home buying and renting. But first, they talk with NerdWallet experts Amy Knight and Sara Rathner about how people are navigating today's financial challenges, from rising costs to career interruptions. They explore practical ways to strengthen your money habits, with tips and tricks on using side hustles for independence, turning money talks into regular “money dates,” and saving for the future even in small amounts. Then, mortgage Nerd Holden Lewis joins Sean and Elizabeth to answer a series of listener questions about home buying. Topics include weighing the pros and cons of saving vs. paying off a mortgage, whether to put a rental property in a trust, what to expect when recasting a mortgage, and how to stand out when buying in a competitive housing market like New York City. Use NerdWallet's free mortgage calculator to estimate your monthly mortgage payments and annual amortization: https://www.nerdwallet.com/mortgages/mortgage-calculator In their conversation, the Nerds discuss: how women can build financial independence, motherhood penalty and finances, side hustles for single moms, investing as a single mom, financial independence for women, Equal Credit Opportunity Act, gender pay gap and retirement, credit card rules for stay-at-home spouses, home buying in a tight market, mortgage recasting explained, pros and cons of putting a house in a trust, trusts vs LLC for rental property, buying a home in New York City, how to buy in a competitive housing market, how much to save before buying a house, how to improve home buying offer, home inspection tips for buyers, why rent is cheaper than buying, how to calculate mortgage payments, NerdWallet mortgage calculator, money dates for couples, budgeting as a single parent, how to avoid the motherhood penalty, flexible home buying offers, asset protection for rental homes, how to build credit as a stay-at-home parent, financial planning for women, and the financial impact of caregiving. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this episode, Stephen Schmidt interviews Jay York, a mortgage loan officer with a rich background in sales and marketing. Jay shares his journey into the mortgage industry, emphasizing the importance of authenticity, transparency, and education in his client interactions. He discusses his long-term vision of helping clients achieve generational wealth through real estate and the systems he implements to assist real estate agents in scaling their businesses. Jay also highlights the significance of educating clients on wealth-building strategies and shares his personal investment goals, focusing on flexibility and passive income. He concludes with advice for first-time homebuyers and aspiring real estate professionals. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this conversation, Dylan Silver interviews Mike Miklaus, a seasoned mortgage professional, about the evolution of the mortgage industry, the importance of networking, and innovative loan options like DSCR loans and ADUs. Mike shares insights on how to qualify for home loans, especially for recent graduates and self-employed individuals, and emphasizes the critical role of loan officers in real estate transactions. The discussion highlights the changing landscape of real estate financing and the strategies that can help buyers succeed in today's market. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------
In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the common financial question of whether individuals should overpay on their mortgages. They explore the implications of mortgage overpayment on cash flow, financial stress, and overall financial planning. The conversation emphasizes the importance of liquidity and how having access to cash can alleviate financial worries, especially as individuals approach retirement. Through various strategies, they illustrate how managing cash flow effectively can lead to better financial outcomes and peace of mind. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways The top financial question is whether to overpay on a mortgage. Many clients feel financially stressed despite having good incomes. Cash flow and liquidity are crucial for financial peace of mind. Overpaying on a mortgage can reduce long-term debt stress. Having cash reserves can provide opportunities and reduce anxiety. Financial planning should consider both cash flow and balance sheet. Real-life financial decisions often differ from spreadsheet calculations. Peace of mind is a valuable aspect of financial planning. Strategies should be tailored to individual circumstances and needs. Liquidity can sometimes be more important than maximizing returns. Chapters 00:00 Understanding Mortgage Overpayment Concerns 05:43 The Cash Flow Conversation 10:57 Strategies for Mortgage Management 14:25 The Importance of Liquidity and Peace of Mind
You're in mortgage sales, but are you truly dominating? I'm breaking down the mindset shift that separates average reps from true closers. Once you understand what you're really selling, you'll unlock the full potential of this game and yourself.Support the showJoin our weekly calls so you we can help you too!
June 2025 Housing Market Update: The Biggest Shift in Decades Podcast Description The housing market is experiencing its most significant shift in decades. Sellers are returning in full force, outnumbering buyers by a substantial margin. Homes are selling for under-asking, giving investors and first-time homebuyers discounts previously unheard of. Are we on our way to a housing market crash, correction, or a much-needed reset, which would return us to the “normal” housing market many of us have been asking for over the past few years? We're breaking it all down—best and worst markets, home prices, mortgage rates, supply and demand, and more—in our June 2025 housing market update! Mortgage delinquencies are rising—which could spell trouble. Are we heading back to foreclosure territory of the last housing crash? Not quite, but this is good news for buyers. Dave shares his 2025 investing plan so you can follow along, find better deals, and reduce your risk. Plus, will we see interest rates reverse with good inflation data and a worrying jobs report? The Fed could make moves; stick around to hear how they'll affect you! In This Episode We Cover A June 2025 housing market update and the ballooning buyer's market Home price shifts and how to get a serious discount on your next real estate deal Whether the Fed will finally lower rates with cooled inflation reports Why mortgage delinquencies are rising and whether we should worry The best and worst real estate markets to buy or sell in And So Much More! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1137 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices