Podcasts about negotiable

In this season of Building Better Developers with AI, hosts Rob Broadhead and Michael Meloche revisit a past topic: 'Transform Your Projects: The Ultimate Guide to Effective User Stories.' This episode offers a fresh perspective on how teams can achieve greater success by writing better user stories. The hosts initially tackled this subject in an earlier season, but they return to it because the challenge remains timeless: poorly written user stories continue to derail software projects. This time, they dive deeper into lessons learned, customer-centric approaches, and frameworks that make user stories truly work. Why Writing Better User Stories Still Matters Rob opens with a familiar frustration: sitting in sprint planning and realizing the user stories don't make sense. Vague requirements create confusion, rework, and wasted effort. A user story is not a specification—it's a promise for a conversation that builds shared understanding. By writing better user stories, teams maintain focus on outcomes, rather than implementation. They deliver features that users actually need, instead of technical solutions that fall short. The Philosophy of Writing Better User Stories User stories should always: Stay customer-centric by focusing on what the user wants, not the technical details. Break down work into small, manageable chunks that improve agility and estimation. Emphasize outcomes over implementation, avoiding the trap of data tables and CSS classes too early. Rob illustrates this with the ATM example: “As a customer, I want to withdraw cash so that I can access money in my account.” This keeps the story grounded in the user's experience. The Anatomy of Writing Better User Stories At the core of writing better user stories is a simple formula that makes requirements clear and human: As a [user role] I want [goal] So that [reason] This framework ensures that every story is tied directly to a user's perspective, their needs, and the value they'll receive. However, strong stories extend beyond this sentence structure. Rob and Michael highlight two key frameworks that add depth and clarity: The Three C's – Card, Conversation, and Confirmation, which explain how stories spark dialogue and define “done.” The INVEST Model – Independent, Negotiable, Valuable, Estimable, Small, and Testable- is a checklist that helps teams evaluate whether a story is ready to move forward. Finally, one important reminder: each story should only have one meaning. If a story can be interpreted in multiple ways—or contains “if/then” scenarios—it should be split into smaller, more focused stories. This keeps the backlog clean and avoids confusion later in development. The Three C's of Writing Better User Stories 1. Card The card represents the user story itself. Traditionally, teams would write stories on index cards. Today, tools like Jira, Trello, or Asana take their place. The key is that the card is just a placeholder for a conversation, not the entire requirement. It captures the essence of the story but leaves room for discussion. 2. Conversation The conversation is where the real value happens. Developers, product owners, and stakeholders discuss the story, ask clarifying questions, and uncover details that weren't written down. These discussions ensure that the team shares a common understanding of the user's needs. Without this step, the story risks being too vague or misinterpreted. 3. Confirmation The confirmation defines how the team knows the story is complete. This typically takes the form of acceptance criteria or test cases. Confirmation transforms a story from an idea into a verifiable piece of functionality. It answers the critical question: What does “done” look like? Card captures the idea. Conversation builds the understanding. Confirmation proves the work is complete. The INVEST Model for Writing Better User Stories The INVEST model is a simple but powerful checklist that helps ensure user stories are clear, practical, and actionable. Each letter represents a quality that a strong user story should have. Independent A good user story should stand on its own. That means it can be developed, tested, and delivered without being blocked by another story. Independence reduces dependencies and keeps projects moving smoothly. Negotiable User stories are not contracts carved in stone—they're open to discussion. Teams should be able to negotiate details, scope, and implementation during conversations. This flexibility encourages collaboration and prevents rigid requirements that may not fit real-world needs. Valuable If a story doesn't provide business or user value, it doesn't belong in the backlog. Every story should clearly tie back to outcomes that matter for the end-user or the organization. This keeps the team focused on delivering impact, not just features. Estimable A story should be clear enough that the team can estimate the effort to complete it. If it's too vague or too large, it can't be accurately sized. Estimable stories make sprint planning realistic and help track progress more effectively. Small Stories should be small enough to complete within a single iteration. Large stories, sometimes called “epics,” should be broken down into smaller, more manageable pieces. Small stories are easier to understand, estimate, and test. Testable Finally, a user story must be testable. The team needs to know how to verify it's “done.” This often takes the form of acceptance criteria or test cases, ensuring the functionality can be validated from the user's perspective. The INVEST model keeps stories clear, focused, and actionable. If a story fails any of these tests, refine it before moving forward. Lessons From the Trenches: Writing Better User Stories in Practice Michael highlights a recurring issue: customers often don't fully understand their “why.” They may use outdated paper trails, redundant processes, or even misuse tools they already own. Sometimes developers must reverse-engineer requirements by observing workflows, asking why at each step, and uncovering hidden pain points. Rob adds that trust plays a huge role—stakeholders may initially follow the “official” process, but only reveal their real practices after rapport is established. Avoiding Common Pitfalls Even with good intentions, stories can fall short when they are: Too vague or incomplete. Disconnected from actual business processes. Written without acceptance criteria. Michael stresses that implied requirements are dangerous. Developers should always strive for clearly defined acceptance criteria that leave no room for ambiguity or uncertainty. Practical Tips for Writing Better User Stories The hosts wrap up with actionable guidance for developers: Speak up – Don't code vague tickets without asking questions. Push for the “so that” – The business value matters most. Write acceptance criteria – Define what “done” means. Break down big stories – Smaller, testable stories are easier to validate. Stay user-focused – Keep technical details in subtasks, not in the story. Example: Bad: Add a contact form. Good: As a potential customer, I want to fill out a contact form with my name, email, and message, so that I can get in touch with the company about their services. This richer story sparks the right questions: Which fields are required? Should multiple contact methods be supported? These clarifications lead to solutions that match real needs. Final Thoughts By revisiting this subject, Rob and Michael remind us that user stories are more than backlog items—they are bridges between developers and customers. Writing better user stories keeps teams aligned, prevents rework, and ensures projects deliver meaningful results. Implied requirements are not good requirements. Defined requirements are good requirements. Stay Connected: Join the Developreneur Community We invite you to join our community and share your coding journey with us. Whether you're a seasoned developer or just starting, there's always room to learn and grow together. Contact us at info@develpreneur.com with your questions, feedback, or suggestions for future episodes. Together, let's continue exploring the exciting world of software development. Additional Resources Updating Developer Tools: Keeping Your Tools Sharp and Efficient Building Your Personal Code Repository Your Code Repository and Ownership of Source – Consulting Tips Using a Document Repository To Become a Better Developer The Developer Journey Videos – With Bonus Content Building Better Developers With AI Podcast Videos – With Bonus Content

What happens when you discover that everything you've been taught to accept without question—from lender rates to management contracts—is actually negotiable? In this continuation episode, Angel Williams and Bethany Finch dive deeper into the hard-earned lessons that come from real estate investing mistakes. Bethany reveals why she never accepts a contract without red-lining it first, how a coaching breakthrough taught her that "everything is negotiable," and why teachers must unlearn the habit of accepting status quo. Angel shares her own painful lessons about property management contracts and trust account nightmares that left six figures inaccessible during a crisis. This conversation explores how educators can transfer their problem-solving skills to real estate while breaking free from the employee mindset that limits their negotiating power.   [00:01 - 04:00] Property Management Reality Check Why Angel felt isolated during a crisis with no local syndication support The costly lesson of having six figures trapped in inaccessible trust accounts How residential real estate friends can't always help with commercial challenges [04:01 - 06:30] Contract Lessons Learned the Hard Way Why reading every contract line by line is non-negotiable How red-lining contracts becomes standard practice after expensive mistakes The importance of understanding landlord laws and trust account regulations [06:31 - 09:30] Breaking the Employee Mindset Why traditional jobs train us to accept procedures without question How teachers can leverage their outside-the-box thinking in business The difference between companies that recognize valuable input versus those that don't [09:31 - 12:00] Teaching Innovation Transfers to Real Estate Bethany's unconventional approach to helping ADD students without medication How asking better questions leads to breakthrough solutions Why removing obstacles (mental or physical) unlocks potential [12:01 - 14:25] Taking Action Beyond Mindset The importance of reaching out to experienced mentors for guidance Why passive income opportunities require the right questions before investing How real estate investing provides freedom to retire on your terms, not the system's timeline   Connect with Bethany: https://www.linkedin.com/in/bethany-finch-amhs/   Key Quotes: "Everything is negotiable." - Bethany Finch "We will never sign another contract without red lining. Ever." - Angel Williams   Visit sponsorcloud.io/contact today and unlock $2,000 of free services exclusively for REI Rocks community members! Get automated syndication and investor relationship management tools to save time and money. Mention your part of the REI Rocks community for exclusive offers. Help make affordable, low-cost education summits possible. Check out Sponsor Cloud today!

In this podcast, we analyze the difference between negotiable and redeemable securities. This concept relates to how these securities are traded, the fees associated with each, and how these transactions are facilitated. Achievable has courses with industry-best pass rates for the FINRA SIE, Series 6, 7, 9, 63, 65, and 66. Try our courses for free at https://achievable.me.

Welcome to Your Real Estate Voice with Barb Schlinker, your trusted source for all things real estate. Whether you're considering a move or just curious about the market, Barb is here to provide expert guidance and invaluable insights. With years of experience and a commitment to delivering results, Barb Schlinker and her team at Your Home Sold Guaranteed Realty – Barb Has The Buyers Team is dedicated to helping you achieve your real estate goals. Don't hesitate to contact Barb directly at 719-301-3900 or visit BarbHasTheBuyers.com to tap into her extensive network of buyers and sellers. Get ready to experience a seamless and successful real estate journey with Your Real Estate Voice and Barb Schlinker by your side.Segment 1 – Will Increasing Housing Supply Lower Home Prices in Colorado?Segment 2 – What to Do and What Not to Do to Get Your Home Ready for SaleSegment 3 – How to Get Your Home on the Buyer's ‘Must See' ListSegment 4 – Are Buyer's Agent Fees Negotiable in Colorado & Hot New ListingsYou are listening to the Real Estate Voice with Barb Schlinker of Your Home Sold Guaranteed Realty. If you are thinking of making a move, call Barb at 719-301-3900 or visit BarbHasTheBuyers.com#realestatevoice #barbschlinker #coloradosprings #yourhomesoldguaranteedrealtycolorado #barbhasthebuyers

As a Christian? An excerpt ftom chapter 7 on Mental Health in the book THE ANALOGY OF THE PERFECT CHRISTIAN.

Aller guten Dinge sind bekanntlich drei und das gilt auch für die Folgen mit der diesmaligen Gästin. Nicht nur wird über ihr Kapitel im kommenden Buch gesprochen, sondern auch, warum es so wichtig ist zu wissen, was ein Klient an einem Samstag um 3h in der Früh brauchen könnte.    LinkedIn: https://www.linkedin.com/in/linakrawietz/  This is Legal Design: https://www.thisislegaldesign.com  9 Non-Negotiables: https://www.nerdsoflaw.com/wp-content/uploads/2025/07/9-Non-Negotiables-for-Legal-Innovation.pdf   NoL-Folge 62 mit Lina (damals noch) Krawietz: https://www.nerdsoflaw.com/2021/07/nerds-of-law-62-i-want-to-design-away-mit-lina-krawietz/   NoL-Folge 64 zu Founders in Law: https://www.nerdsoflaw.com/2021/08/nerds-of-law-64-grunde-furs-grunden-mit-den-founders-in-law/  Liquid Legal Institute: https://liquid-legal-institute.com  Agile Law Firm Workbook (Download): https://liquid-legal-institute.com/wp-content/uploads/2024/07/e-book_LLI_agile_law_firm_workbook.pdf  Legal Foresight Office: https://liquid-legal-institute.com/legal-foresight-office/  Digital Leaders Exchange: https://liquid-legal-institute.com/digital-leaders-exchange/     Subscribe to the Podcast  RSS Feed https://nerdsoflaw.libsyn.com/rss   Apple Podcast https://podcasts.apple.com/de/podcast/nerds-of-law-podcast/id1506472002   SPOTIFY https://open.spotify.com/show/12D6osXfccI1bjAzapWzI4   Google Play Store https://playmusic.app.goo.gl/?ibi=com.google.PlayMusic&isi=691797987&ius=googleplaymusic&apn=com.google.android.music&link=https://play.google.com/music/m/Idvhwrimkmxb2phecnckyzik3qq?t%3DNerds_of_Law_Podcast%26pcampaignid%3DMKT-na-all-co-pr-mu-pod-16   YouTube https://www.youtube.com/playlist?list=PL7rmwzBy-IRGh8JkLCPIjyGMA-nHMtiAC   Deezer https://www.deezer.com/de/show/1138852     Nerds of Law®   http://www.nerdsoflaw.com   https://twitter.com/NerdsOfLaw   https://www.instagram.com/nerdsoflaw/   https://www.facebook.com/NerdsOfLaw/   Music by Mick Bordet www.mickbordet.com    Nerds of Law ® ist eine Unionsmarke (Wortmarke). 

Peter Mazereeuw speaks with Eric Miller, a trade consultant leading Rideau Potomac Strategy Group, about the latest developments in trade talks between Donald Trump and Mark Carney.

In this episode, I talk about why rejection doesn't disqualify your calling — it refines it, the difference between ego-driven persistence vs. soul-led devotion, how to discern when “no” means not now — not never, what it looks like to build even when the world says “you're not ready” and more.CONNECT WITH ME…→ Instagram — @mattgottesman→ My Substack — mattgottesman.substack.com → Apparel — thenicheisyou.comRESOURCES…→ Recommended Book List — CLICK HERE→ Workshops — CLICK HERE→ Masterclass — CLICK HEREWORKSHOPS + MASTERCLASS:→ Need MORE clarity? - Here's the FREE… 6 Days to Clarity Workshop - clarity for your time, energy, money, creativity, work & play→ Write, Design, Build: Content Creator Studio & OS - Growing the niche of you, your audience, reach, voice, passion & incomeOTHER RELATED EPISODES:God Didn't Send You the Giant to Defeat You — He Sent it To Position YouApple: https://apple.co/3TdqaQMSpotify: https://spoti.fi/4kSKdQi

HOUR 2 - Nick Caley's 'Non-Negotiable' for Players on His Houston Texan Offense; AND-Producer Tyler is on 'Black Planet' full 2410 Sat, 31 May 2025 01:24:31 +0000 f2s2NgdNQsEFIL39jUgNzghhIhhA5GEq nfl,mlb,nba,texans,astros,rockets,sports The Drive with Stoerner and Hughley nfl,mlb,nba,texans,astros,rockets,sports HOUR 2 - Nick Caley's 'Non-Negotiable' for Players on His Houston Texan Offense; AND-Producer Tyler is on 'Black Planet' 2-6PM M-F © 2025 Audacy, Inc. Sports False

The Moneywise Radio Show and Podcast Wednesday, May 28th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Manageme instagram: MoneywiseWealthManagement

Send us a textLooking for a new apartment together is a great way to get to know somebody and their existential despair.Bernadette Armstrong directs Kim Hlavac as Kathleen, Michael Fletcher as Jeremy, and Barika Phillips Bell as the Rental Agent.Nino Greene is the playwright. The recipient of an MFA from San Francisco State University, his previous plays include You Don't Have to Cry and The Undecided Voters of Ballard County, Kentucky, c. 1856.Support the showFounded by playwright and filmmaker Bernadette Armstrong, Open-Door Playhouse is a Theater Podcast- like the radio dramas of the 1940s and 1950s. The Playhouse launched on September 15, 2020. At the time, Open-Door Playhouse provided Playwrights, Actors and Directors a creative outlet during the shutdown. Since its inception. Open-Door Playhouse has presented Short and One-Act plays from Playwrights across the country and internationally. In 2021 Open-Door Playhouse received a Communicator Award for Content for the Play Custody and in 2023 the play What's Prison Like was nominated for a Webby Award in the Crime & Justice Category.Plays are produced by Bernadette Armstrong, Sound Engineer is David Peters, sound effects are provided by Audio Jungle, and music from Karaoke Version. All plays are recorded at The Oak House Studio in Altadena, CA. There's no paywall at the Open-Door Playhouse site, so you could listen to everything for free. Open-Door Playhouse is a 501c3 non-profit organization, and if you would like to support performances of works by new and emerging playwrights, your donation will be gratefully accepted. Your tax-deductible donations help keep our plays on the Podcast Stage. We strive to bring our listeners thoughtful and surprising one-act plays and ten-minute shorts that showcase insightful and new perspectives of the world we share with others. To listen or to donate (or both), go to https://opend...

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored by CNBC's Jessica Ettinger.

For parents and students alike, the college admissions process can be a daunting, uncertain, and stressful experience. But what if more of it was negotiable than you think? In this episode, Cindy Watson is joined by Dr. Pamela Ellis—an award-winning educational consultant, speaker, and best-selling author—who has helped countless families navigate this complex journey. Dr. Pamela provides insights on how better communication and strategic negotiation can result in better outcomes, based on her experience advising school districts, community organizations, and higher education institutions. Get ready to challenge assumptions and discover new possibilities in the path to college acceptance.   In this episode, we will learn:   How to navigate college admission process Learn the secret behind how 95% of their students have been admitted to their top college choice Tips in negotiating the path of choosing the right one What are the fit factors Learn about the CALM model, what is it about Tips for how to prepare your kids in college What role does race play in college prep? And many more!   Learn more about Dr. Pamela Ellis:   Website: https://compasscollegeadvisory.com/ LinkedIn: https://www.linkedin.com/in/drpamelaellis/   Get her book here: What to Know Before They Go: College Edition   If you're looking to up-level your negotiation skills, I have everything from online to group to my signature one-on-one mastermind & VIP experiences available to help you better leverage your innate power to get more of what you want and deserve in life. Check out our website at www.artofFeminineNegotiation.com if that sounds interesting to you.   Get Cindy's book here: Amazon   https://www.amazon.com/Art-Feminine-Negotiation-Boardroom-Bedroom-ebook/dp/B0B8KPCYZP?inf_contact_key=94d07c699eea186d2adfbddfef6fb9e2&inf_contact_key=013613337189d4d12be8d2bca3c26821680f8914173f9191b1c0223e68310bb1 EBook   https://www.amazon.com/Art-Feminine-Negotiation-Boardroom-Bedroom-ebook/dp/B0B8KPCYZP?inf_contact_key=94d07c699eea186d2adfbddfef6fb9e2&inf_contact_key=013613337189d4d12be8d2bca3c26821680f8914173f9191b1c0223e68310bb1 Barnes and Noble   https://www.barnesandnoble.com/w/the-art-of-feminine-negotiation-cindy-watson/1141499614?ean=9781631959776 CONNECT WITH CINDY: Website: www.womenonpurpose.ca Website: www.practicingwithpurpose.org Facebook: https://www.facebook.com/womenonpurposecommunity/ Instagram: https://www.instagram.com/womenonpurposecoaching/ LinkedIn: linkedin.com/in/thecindywatson Show: https://www.womenonpurpose.ca/media/podcast-2/ X(Twitter):  https://twitter.com/womenonpurpose1 YouTube:https://www.youtube.com/@hersuasion Email: cindy@womenonpurpose.ca  

Lecture 1: Introduction to Negotiable InstrumentsDefinition and Types: Distinguish between notes (promissory notes) and drafts (checks).Requirements for Negotiability: Unconditional promise or order to pay, fixed amount of money, payable on demand or at a definite time, etc.Holder Status: Explanation of “holder” vs. “bearer” and negotiation procedures (endorsements, delivery).Basic Policy Goals: Why negotiability fosters ease of transfer and uniform commercial practice.Lecture 2: Holders in Due Course and DefensesHolder in Due Course (HDC) Requirements: Taking for value, in good faith, without notice of claims or defenses.Real vs. Personal Defenses: Fraud in the factum, forgery, alteration, infancy, illegality, mental incapacity.Implications for Liability: Which defenses can be asserted against an HDC vs. a mere holder.Exam Tip: Spotting the difference between real defenses that defeat even an HDC and personal defenses that do not.Lecture 3: Liability, Warranties, and DischargeParties' Liability: Maker/drawer, endorser/indorser, acceptor.Transfer and Presentment Warranties: How they arise, who they protect, disclaimers.Discharge: Payment in full, tender of payment, cancellation, reacquisition.Exam Pitfalls: Students often confuse these warranties with typical contract disclaimers or fail to recognize discharge events.Lecture 4: Checks, Banks, and the UCCCheck-Specific Rules: Overdrafts, postdated checks, stop-payment orders.Bank Collection Process: Depositary bank, intermediary banks, payor bank.Exam Scenarios: Dishonored checks, improper endorsements, missing or forged endorsements, bank liability.Lecture 5: Advanced Topics and Bar StrategyAlterations and Forgeries: Allocation of loss among parties under UCC Articles 3 and 4.Electronic Fund Transfers: Emerging payment systems beyond standard checks.Exam Strategy: Identifying the “who is liable to whom” question, applying holder in due course analysis, and thoroughly addressing possible defenses in your IRAC structure.

Lecture 5: Advanced Topics and Bar StrategyAlterations and Forgeries:Discuss the types of alterations that can occur on a negotiable instrument, such as changes to the amount, date, payee, or interest rate.Explain the effect of an alteration on the liability of the parties involved, including the drawer, maker, drawee, and endorsers.Differentiate between material and non-material alterations and their respective consequences.Analyze the allocation of loss among the parties under UCC Articles 3 and 4, considering the negligence or wrongdoing of each party.Discuss the concept of forgery and its impact on the validity of a negotiable instrument.Explain the liability of the forger and the potential liability of other parties who may have contributed to the forgery.Analyze the allocation of loss in cases of forgery, considering the rights and responsibilities of the parties involved.Electronic Fund Transfers:Introduce the concept of electronic fund transfers (EFTs) and their growing importance in modern payment systems.Discuss the types of EFTs, such as wire transfers, ACH transfers, and online payment systems.Explain the legal framework governing EFTs, including relevant federal regulations and statutes.Analyze the rights and responsibilities of the parties involved in EFTs, including the originator, beneficiary, and financial institutions.Discuss the risks and potential liabilities associated with EFTs, such as unauthorized transfers, errors, and fraud.Compare and contrast EFTs with traditional check-based payment systems, highlighting the advantages and disadvantages of each.Exam Strategy:Emphasize the importance of identifying the "who is liable to whom" question in negotiable instruments exam questions.Explain the holder in due course (HDC) analysis, including the requirements for HDC status and its legal consequences.Discuss the types of defenses that can be raised against a holder, including real and personal defenses.Provide guidance on applying the IRAC (Issue, Rule, Analysis, Conclusion) structure to negotiable instruments exam questions.Offer tips on thoroughly addressing possible defenses in the analysis section of the IRAC response.Highlight common exam pitfalls and provide strategies for avoiding them.

Want to get into commercial real estate investing but don't know where to start? In this episode, I chat with commercial realtor Danny Morano, who breaks down how investors can transition from residential properties into commercial deals. Danny shares how he finds great off-market deals, why commissions are always negotiable, and how investors can work with agents to secure profitable opportunities. He also reveals what's ahead for him in 2025, including some exciting development projects in Florida! Watch now to learn: ✔️ How to find and negotiate great commercial real estate deals ✔️ The advantages of working with a commercial agent ✔️ Why many high-value deals happen off-market ✔️ How new investors can break into the commercial space   ======================== ======================== ================= Want to grow your real estate investing business and portfolio?  You're in the right place. Welcome to the Property Profits Real Estate Podcast

I. Check-Specific RulesOverdrafts:Definition: A check written for an amount that exceeds the available balance in the account.Bank's Options:Pay the check and charge the customer an overdraft fee.Dishonor the check and return it unpaid to the payee.Cover the overdraft through an overdraft protection plan if available.Postdated Checks:Definition: A check with a future date written on it.Bank's Obligation: Generally, a bank should not pay a postdated check before the date written on it.Customer's Right: A customer can order the bank to pay a postdated check before its date, but must give the bank reasonable notice.Stop-Payment Orders:Definition: A customer's order to the bank not to pay a specific check.Requirements:Must be given in time for the bank to have a reasonable opportunity to act.Can be oral or written.Oral stop-payment order is valid for 14 days, while a written order is valid for 6 months and can be renewed.Bank's Liability: If the bank pays a check in spite of a valid stop-payment order, it is liable to the customer for the amount of the check.II. Bank Collection ProcessDepositary Bank: The first bank to receive a check for deposit.Intermediary Banks: Any bank (other than the payor bank and the depositary bank) handling the check during the collection process.Payor Bank: The bank on which the check is drawn (i.e., the bank of the account holder who wrote the check).Process:Depositor presents check to the depositary bank.Depositary bank sends the check through the check collection system.Check may pass through intermediary banks.Check is presented to the payor bank for payment.Payor bank either pays or dishonors the check.III. Exam ScenariosDishonored Checks:Bank refuses to pay a check.Reasons: Insufficient funds, stop-payment order, closed account, etc.Consequences: Payee can sue the drawer of the check for the amount of the check plus any applicable fees.Improper Endorsements:Endorsement on the check does not match the name of the payee.Bank may refuse to pay the check or may be liable for conversion if it pays the check to the wrong person.Missing or Forged Endorsements:Endorsement is missing or forged.Bank may be liable for conversion if it pays the check without a proper endorsement.Bank Liability:Bank can be liable for various issues, including paying a check over a valid stop-payment order, paying a check with a forged endorsement, or mishandling the check collection process.UCC Article 4 governs bank deposits and collections and outlines the rights and responsibilities of banks and customers.IV. Additional ConsiderationsElectronic Check Presentment: Check images are electronically transmitted for faster processing and clearing.Check 21 Act: Allows for the use of substitute checks (electronic images of original checks) to replace the physical movement of paper checks.Regulation CC (Expedited Funds Availability Act): Sets rules for how quickly banks must make funds available to customers after a check is deposited.The Role of the Federal Reserve System: The Federal Reserve plays a key role in the check collection process by clearing checks between banks and ensuring the smooth operation of the payment system.

Parties' LiabilityMaker/Drawer: The maker of a note or the drawer of a check is primarily liable for the instrument. This means they are obligated to pay the instrument when it becomes due, according to its terms.Endorser/Indorser: An endorser is secondarily liable. They only become liable if the maker/drawer defaults on the instrument, and proper presentment and notice of dishonor have been given.Acceptor: An acceptor is a drawee (such as a bank) who has agreed to pay a draft. By accepting the draft, they become primarily liable for its payment.Transfer and Presentment WarrantiesTransfer Warranties: These warranties arise when an instrument is transferred for consideration. The transferor warrants that they have good title, the signatures are authentic, there are no material alterations, there are no known defenses, and they have no knowledge of insolvency.Presentment Warranties: These warranties arise when an instrument is presented for payment or acceptance. The presenter warrants that they have good title, there are no material alterations, and they have no knowledge that the signature of the maker/drawer is unauthorized.Disclaimers: Transfer warranties can be disclaimed by specific language on the instrument, such as "without recourse." Presentment warranties cannot be disclaimed on checks, but can be disclaimed on other instruments.Who they Protect: These warranties protect subsequent holders of the instrument by ensuring that they are receiving a valid and enforceable instrument.DischargePayment in Full: An instrument is discharged when it is paid in full by the party primarily liable.Tender of Payment: If a tender of payment is made by the party primarily liable and refused by the holder, the instrument is discharged to the extent of the tender.Cancellation: An instrument can be discharged by intentional cancellation by the holder, such as by writing "void" across its face.Reacquisition: If the instrument is reacquired by a prior party who was discharged, they are no longer liable on the instrument, and intermediate parties are also discharged.Exam PitfallsConfusion with Contract Disclaimers: Students may incorrectly apply contract disclaimer principles to negotiable instruments. It's important to remember that specific rules govern disclaimers of warranties on negotiable instruments.Failure to Recognize Discharge Events: Students may overlook certain events that can discharge an instrument, such as tender of payment or reacquisition. Understanding these events is crucial to determining liability on an instrument.Forgetting Notice Requirements: For secondary parties to be liable, they must be given proper notice of dishonor. Students often forget this requirement, assuming that secondary liability always attaches.Overlooking the Importance of Presentment: Proper presentment of the instrument is crucial for holding parties liable. Students may fail to recognize the significance of presentment and dishonor in determining liability.Misunderstanding Accommodation Parties: An accommodation party is someone who signs an instrument to provide credit for another party. Students often struggle with the liability of accommodation parties, which differs from that of other parties.Incorrectly Applying the Shelter Rule: The shelter rule allows a transferee to acquire the rights of their transferor, even if the transferor had a defective title. Students may misapply this rule, assuming that it always applies regardless of the circumstances.Confusing the Types of Liability: Students often confuse primary and secondary liability, as well as the liability of different parties on the instrument. Understanding the distinctions between these types of liability is essential.Neglecting the Role of Consideration: Consideration is a key element in the transfer of negotiable instruments. Students may overlook the importance of consideration, assuming that transfer always occurs regardless of consideration.Misinterpreting

Holder in Due Course (HDC) Doctrine: A Concise OverviewThe HDC doctrine is crucial in negotiable instruments law, facilitating the smooth transfer of commercial paper. It protects good-faith purchasers from certain defenses against the original payee. Becoming an HDC requires meeting specific criteria, and even then, some "real" defenses remain.Core Concept: Negotiable instruments are designed for easy transfer. The HDC concept encourages good-faith acceptance of these instruments by shielding holders from prior disputes. This privileged status requires meeting specific rules.HDC Requirements: To attain HDC status under the UCC:Holder Status: Lawful possession with a proper endorsement chain (if applicable).Value: Giving consideration (money, property, debt cancellation, service). Gifts don't qualify.Good Faith: Honesty and reasonable commercial standards. No willful ignorance of wrongdoing.Lack of Notice: No knowledge of claims or defenses at the time of taking.Real vs. Personal Defenses:Real Defenses: Defeat even an HDC (e.g., fraud in the factum, forgery, alteration, infancy, illegality/mental incapacity).Personal Defenses: Do not defeat an HDC (e.g., breach of contract, ordinary fraud, unconscionability, breach of warranty).Practical Implications & Exam Approach:Analyze the Defense: Is it real or personal? Real defenses defeat HDC claims."Without Notice": Suspicious circumstances (e.g., "Void if not paid…," knowledge of forgery, overdue note) can disqualify HDC status.Fraud Types: Distinguish fraud in the factum (real) from ordinary inducement (personal).Capacity: Is the illegal contract void or voidable?Exam Strategy: Determine HDC status (holder, value, good faith, no notice), classify the defense, and determine the outcome. Always mention HDC possibility, even if inapplicable.Ramifications: Payees should ensure smooth HDC transfer. Makers should warn transferees of fundamental issues, as personal defenses are lost against an HDC.Example: Abby signs a note for Bill, who endorses it to Clara. If Clara is an HDC, she can enforce it against Abby (defective product is a personal defense). However, if Abby's signature was forged (real defense), Clara cannot enforce it.

Lecture 1: Introduction to Negotiable InstrumentsDefinition and TypesNegotiable Instruments: Written documents that represent a promise to pay a specific sum of money and can be easily transferred from one person to another.Promissory Notes: A written promise by one party (the maker) to pay a certain sum of money to another party (the payee) at a specified time or on demand.Drafts (Checks): A written order by one party (the drawer) instructing a second party (the drawee, usually a bank) to pay a specified sum of money to a third party (the payee).Requirements for NegotiabilityUnconditional Promise or Order to Pay: The promise or order must be clear and absolute, without any conditions attached.Fixed Amount of Money: The instrument must state a specific sum of money to be paid.Payable on Demand or at a Definite Time: The instrument must specify when payment is due, either on demand or at a specific date.Payable to Order or to Bearer: The instrument must be payable either to a specific person named on the instrument (order paper) or to anyone who possesses the instrument (bearer paper).In Writing and Signed by the Maker or Drawer: The instrument must be in writing and signed by the party making the promise (maker) or issuing the order (drawer).Holder StatusHolder: A person who has legal possession of a negotiable instrument and the right to receive payment.Bearer: A person who has possession of a negotiable instrument that is payable to bearer.Negotiation: The transfer of a negotiable instrument from one person to another in a way that gives the transferee the right to receive payment.Endorsement: A signature on the back of a negotiable instrument that transfers ownership.Delivery: The physical transfer of a negotiable instrument.Basic Policy GoalsEase of Transfer: Negotiability facilitates the transfer of funds by making it easier for businesses and individuals to accept payment in the form of negotiable instruments.Uniform Commercial Practice: Negotiability promotes consistency and predictability in commercial transactions by establishing a uniform set of rules for the transfer and enforcement of negotiable instruments.Encourages Market Efficiency: By providing a reliable and easily transferable means of payment, negotiability enhances market efficiency and facilitates economic growth.Reduces Transaction Costs: The ease of transfer and enforcement of negotiable instruments reduces transaction costs for businesses and individuals.Provides Certainty and Security: Negotiability provides certainty and security to parties involved in commercial transactions by establishing clear rules and procedures for the transfer and enforcement of negotiable instruments.

Everyone always wants to know if the fees are negotiable, so here is the answer in this weeks FAQ!Also available to watch on YouTube:https://youtu.be/QKC1bWwZ0fw▶︎ Website - www.thepropertyfinancecollective.co.uk▶︎ The Host - With a passion for creative finance and the ability to structure deals for Finance, I love helping first time Developers and Investors to get deals packaged for the finance needed to push Property Careers forward, and to date I have raised over £250 million for Developers and InvestorsI first got into property at the age of 18 when I got into Conveyancing straight out of school. I then went into Estate Agency, back into Conveyancing and I then got into brokering at the age of 22. I decided a year and a half later that I wanted to work for myself and try and shake up the market place! At the age of 24 I set up The Property Finance Guy and became the youngest owner of a Commercial Finance Brokerage in the Country, and alongside this I now also have a successful Training Company, educating Investor and Developers on how to raise finance, and a successful Podcast.I am a keen public speaker and have delivered training and speeches to over 1000 investors and developers over the past 2 years.Follow Michael:▶︎ Facebook - https://www.facebook.com/thepropfinguy/▶︎ Instagram -⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/thepropertyfinanceguy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ LinkedIn -⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/michael-primrose-886a365b/?originalSubdomain=uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Listen to the Podcast on:▶︎ Apple Podcasts -⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/gb/podcast/the-property-finance-podcast/id1448207494⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ Spotify -⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/7JiDtm7hc0EfSW9LjCXDaO⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ YouTube -⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youtube.com/@thepropertyfinanceguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ Disclaimer - With the market changing so quickly, the content could be out of date at the time of listening.This Content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.

Apostle Neil Andersen's November 2021 General Conference talk “The Name of the Church is Not Negotiable” is critiqued by Bill and Eric, as Russell M. Nelson's demand that the nickname Mormon and LDS are making Jesus unhappy. This is a repeat broadcast from early 2022.

Apostle Neil Andersen's November 2021 General Conference talk “The Name of the Church is Not Negotiable” is critiqued by Bill and Eric, as Russell M. Nelson's demand that the nickname Mormon and LDS are making Jesus unhappy. This is a repeat broadcast from early 2022.

Apostle Neil Andersen's November 2021 General Conference talk “The Name of the Church is Not Negotiable” is critiqued by Bill and Eric, as Russell M. Nelson's demand that the nickname Mormon and LDS are making Jesus unhappy. This is a repeat broadcast from early 2022.

Apostle Neil Andersen's November 2021 General Conference talk “The Name of the Church is Not Negotiable” is critiqued by Bill and Eric, as Russell M. Nelson's demand that the nickname Mormon and LDS are making Jesus unhappy. This is a repeat broadcast from early 2022.

Apostle Neil Andersen's November 2021 General Conference talk “The Name of the Church is Not Negotiable” is critiqued by Bill and Eric, as Russell M. Nelson's demand that the nickname Mormon and LDS are making Jesus unhappy. This is a repeat broadcast from early 2022.

Send us a textLots of things in life are up for grabs if you'll just have the courage to ask. Jesus even encourages us to ask our Heavenly Father (Matthew 7:7-11). So why do we struggle to ask sometimes? And how do we know if we're asking according to God's will? Joël and Rick talk about this (and more). #fyp #foryou #godswill #prayer #heavenlyfather

00:00 Intro06:40 Upcoming Shows Schedule07:38 Drones in New Jersey09:40 Brian Thompson23:00 Trump & Economy37:00 Russian Economy39:05 EU & Latin America Trade Deal43:30 Trudeau47:25 Vaccines56:48 Energy1:02:45 Gaza Deaths1:09:10 Gaza DealLive Questions:1:19:04 Has your opinion of Australia's political culture improved or declined since your recent visit?1:22:16 Following up. Yes, it was disappointing to see such a large conservative contingent at the conference

You've saved up your downpayment and found the perfect house to buy. But have you considered closing costs?They're really the first big expense you'll have with home ownership. Which can you negotiate, and which are set in stone?The Hidden Costs of Homebuying: What You Need to Know About Closing CostsBuying a home is an exciting milestone, but amidst the thrill of owning your first house, it's easy to overlook the long list of closing costs that come with it. Many people think that because these costs are often rolled into the mortgage, they don't need to worry about them. However, understanding and negotiating these costs can save you a significant amount of money in the long run.For a typical mortgage, closing costs usually range between 3% to 6% of the mortgage amount. Let's break it down with an example. Suppose you borrow $250,000 at 6.5% interest on a 30-year loan. Your monthly payment would be around $1,580. If your closing costs are on the higher end—say $15,000—and you roll them into your mortgage, you're now borrowing $265,000 instead of $250,000. This increases your monthly payment by $95, leading to an additional cost of over $34,000 over the life of the loan.In short, closing costs matter. Being aware of them and negotiating where possible is crucial.Negotiable Closing CostsSome closing costs come with wiggle room, meaning you can negotiate them down. Here are a few:Homeowners Insurance: Your lender requires this, but you can shop around for the best rates. Don't assume the insurer suggested by your lender or agent is the best option.Origination Fee: This fee typically covers the cost of underwriting the loan and is usually about 1% of the loan amount. Always ask to have it waived or lowered; you might not succeed, but asking costs nothing.Underwriting Fee: Some lenders charge this fee in addition to or instead of the origination fee. Again, you can negotiate this.Loan Application Fee: This one-time fee for processing your loan can also be a candidate for negotiation, especially if you're already paying an origination or underwriting fee.Real Estate Commissions: Traditionally, sellers have paid the commissions for both the seller's and buyer's agents. However, recent changes in the real estate industry mean buyers may now be asked to contribute. It's another area to negotiate.Title Insurance: You'll need to buy lender's title insurance, which only protects the lender. You can shop around for better rates and suggest a different insurer to your lender. Don't forget to purchase owner's title insurance to protect your ownership.Non-Negotiable Closing CostsWhile some closing costs can be negotiated, others are fixed. These include the appraisal fee, credit check fee, government fees (such as title transfers or recording costs), and property taxes. You should be prepared to pay these costs without expecting any leeway.The Importance of Integrity in Your Mortgage CompanyWith so much money on the line, it's essential to work with a mortgage company that operates with transparency and integrity. Movement Mortgage is a Christian mortgage company founded during the 2008 housing crisis. Its mission is to help homebuyers while glorifying God by positively impacting communities within the U.S. and abroad.Movement Mortgage offers competitive rates and the opportunity to be part of a global movement of change. The company has donated $377 million to community projects both locally and internationally. With locations in all 50 states, Movement Mortgage is a lender you can trust to guide you through the home-buying process with integrity.For more information, you can visit FaithFi.com/Movement.On Today's Program, Rob Answers Listener Questions:Are permanent endowments biblical in a Christian context? I'm thinking of a Christian university, nonprofit, or other Christian organization with a permanent endowment where the original gift can never be touched and only the income can be used. What are your thoughts on the biblical perspective of this?I had a TIAA account that my husband took out as an adjunct professor at the local community college. It's just a small amount, and because I'm 76, I've been required to take a certain amount out each year. I want to give this to my son so those amounts can stay there and start accruing interest. Can I do that?I'm trying to mitigate the taxes on the sale of a rental house. Can I use the proceeds to satisfy my required minimum distribution (RMD), or does the RMD have to come from an IRA? Also, my husband has had a whole life insurance policy since he was 20. Is there ever a time when whole life insurance is beneficial?Resources Mentioned:Movement MortgageWill We Be Rewarded for Leaving Money to Christian Ministries in Our Wills? (Article by Randy Alcorn)Rich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Kari Kohler of The Kohler Group comes on to the show with Jon Hansen to discuss the new legislation surrounding realtor commission structures. They also touch on the current state of the housing market and how this new law may affect it.

The past few years have been rough if you have been trying to get into the game of real estate but I'll tell you what you can do to get better deals and see if you can make these house prices a little bit more favorable.

The North Star NegotiablePavlos Pavlidis, President & Chief Operating Officer Medix Infusion, shares the secret behind his leadership success. Many leaders and their teams rush into making change then risk confusion, wasted resources, and decreased morale.But when you clarify your absolutes you provide a leadership "North Star" that helps guide your team in turbulent times, AND......accelerate successful transformation.If your in the midst of change right now, you're going to REALLY appreciate Pavlos' perspective and message!---Medix Infusion helps patients navigate their treatment using physician prescribed medical infusion and injectable therapies for chronic and acute illnesses.He's an authentic, passionate, servant leader - obsessed with continuous improvement in life, family and business. He's relocated 8 different times in his career. He's also a member of a proud The Ohio State Legacy family - graduate of The Ohio State University College of Pharmacy, married to another Ohio State University College of Pharmacy graduate, with a daughter who just graduated from the Ohio State University, and a son who is a rising senior at The Ohio State University. Connect with Pavlos on LinkedIn http://www.linkedin.com/in/pavlospavlidisLearn more about Medix Infusion: https://medixinfusion.com/What You'll Discover in this EpisodeA Life Balance Tip from Greece.How to Use Humor at Work.A Powerful Sports Analogy Leaders Can Use.The Twist that Accelerated His Career.The Challenge that Increased his Empathy.-----Connect with the Host, #1 bestselling author Ben FanningSpeaking and Training inquiresSubscribe to my Youtube channelLinkedInInstagramTwitter

Yerrrrrrrrrrr! On this episode Rob and Ericca share opinions on a clip from the It's Negotiable podcast about dating and how black men feel pressured by black women to have to immediately spend money just to find out if they even like them or not. Connect with us Here:www.fmepodcast.com Follow us on Instagram: The show: fme_podcast Rob: komplete_vision Pass The Peaz App: passthepeazapp Listen on YouTube: https://www.youtube.com/@FMEPODCAST Do you need or want some advice? Did you recently celebrate something important? Did you have a spicy interaction with someone? If so, we want to share your story. Submit your story for our new segment " Sharing Experiences" here: rob@fmepodcast.comoradmin@fmepodcast.com Affiliate Links: Are you seeking job seeker? Are you ready to land your next position Fast? If so, then check out resume ATM and turn your resume into ATM. https://resumeatm.com/aff/fmepodcast/ Support The Show By Shopping With Our Affiliates Check Out Garner's Garden Affiliate code: Fmepodcast Music by: Romo: Support Romo' Music Jenova 7: Support Jenova 7's Music Baskaat: Support Baaskat's Music J Create: Support J Create's Music

Yerrrrrrrrrrr! On this episode Rob and Ericca share opinions on a clip from the It's Negotiable podcast about dating and how black men feel pressured by black women to have to immediately spend money just to find out if they even like them or not. Connect with us Here: www.fmepodcast.com Follow us on Instagram: The show: fme_podcast Rob: komplete_vision Pass The Peaz App: passthepeazapp Listen on YouTube: https://www.youtube.com/@FMEPODCAST   Do you need or want some advice? Did you recently celebrate something important? Did you have a spicy interaction with someone? If so, we want to share your story. Submit your story for our new segment " Sharing Experiences" here: rob@fmepodcast.com or admin@fmepodcast.com    Affiliate Links: Are you seeking job seeker? Are you ready to land your next position Fast? If so, then check out resume ATM and turn your resume into ATM. https://resumeatm.com/aff/fmepodcast/ Support The Show By Shopping With Our Affiliates Check Out Garner's Garden Affiliate code:      Fmepodcast Music by: Romo: Support Romo' Music Jenova 7: Support Jenova 7's Music Baskaat: Support Baaskat's Music J Create: Support J Create's Music

הכל ניתן למשא ומתן והחיים הם מו״מ מתמשך לכן כשאנחנו יודעים איך לעצב את התהליך, לשלוט בו ולנווט אותו, נוכל לשפר את הביצועים ולהגיע לתוצאות שאנחנו מצפים יעל חיו היא מומחית בינלאומית לתהליכי מו״מ מורכבים ומלווה הנהלות בכירות בתהליכי מו״מ גלובליים ובעיני יעל !Everything is Negotiable בפרק לקחנו מקרה אמיתי מחיים של מנהלת ביום עבודה ודיברנו בניית אסטרטגיה מנצחת למו״מ ועל המפתחות להובלת המו״מ לתוצאות לאתר של יעל חיו

When most people think about buying real estate the first (and sometimes only) thing that comes to mind is negotiating the price.  But there is far more to negotiate than your final purchase price.  It can be very intimidating and down right scary!  This episode will explain most of it and I'll offer a simple solution to make your investing business a lot easier and a lot less stressful. Subscribe to the Financial Momentum Newsletter where we discuss ideas and tools to build momentum in your business and life! The newsletter is FREE and delivered to your inbox once a week. Click here to subscribe! DISCLAIMER: This video/audio content is intended only for informational, educational, and entertainment purposes. Neither Real Estate Revenue, Financial Momentum or Paul Ary are registered financial advisors, financial planners, attorneys, tax professionals or economists and the contents of this video and/or audio podcast should not be considered investment, financial, legal or tax advice. Your use of Financial Momentum or Real Estate Revenue's channel either on YouTube or on any audio podcast, and your reliance on any information from these sources is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, Instagram, Twitter, LinkedIn) for communications with The Financial Momentum Podcast, Real Estate Revenue or Paul Ary does not establish a formal business relationship. This is not financial advice. These are my personal opinions on real estate and the world in general.

Kristen Bernard of EmpowerHome Team Charlotte joins Bo and Beth to discuss the latest settlement made by NAR (National Association of Realtors) to the tune of $418 million by agreeing to cut commission costs. Kristen talks about the effects this will have on the buyers and sellers in the housing market.See omnystudio.com/listener for privacy information.

In this episode of Derapy, the respect is not negotiable. Support editor deryk: https://cash.app/$derapypod Support editor deryk: https://venmo.com/u/derapy Outro song chosen by editor deryk: https://open.spotify.com/track/2CCfScv56g3qG0tCtM1d0P?si=5Wq-dfNHRqmedmLE-eBIXg #edit #editor #editing #podcast #work #pay #unpaid #watsky #monologue #derykthinkshessosmarrbuthejusthasagreateditor Subscribe to the YouTube I guess: https://youtube.com/@Derapy?si=qBrJ0FO8k3FNVqXl Follow us on TikTok: https://www.tiktok.com/@derapy?_t=8jlfuuvdP7y&_r=1 Dubby is cool: https://www.dubby.gg/ Use discount code: DERAPY for 10% off at checkout and to support editor deryk! #ad #dubbypartner

Chapter 1 What's Everything is Negotiable Book by Gavin Kennedy"Everything is Negotiable" is a book written by Gavin Kennedy. It is a guide to negotiating in different aspects of life, including business, personal relationships, career, and everyday interactions. The book provides strategies, tactics, and insights on how to effectively negotiate and achieve desirable outcomes. It emphasizes the importance of understanding human behavior, communication, and persuasion techniques in order to become a successful negotiator. The book also delves into the psychology behind negotiations and offers practical advice on handling different negotiation scenarios. Overall, "Everything is Negotiable" aims to empower readers with negotiation skills that can be applied to various situations to achieve mutually beneficial outcomes.Chapter 2 Is Everything is Negotiable Book A Good Book"Everything is Negotiable" by Gavin Kennedy is generally well-regarded and has received positive reviews from readers. The book provides practical advice and strategies for negotiation in various contexts. It covers topics such as effective communication, understanding different negotiation styles, and achieving mutually beneficial outcomes. If you are interested in improving your negotiation skills, this book could be a valuable resource.Chapter 3 Everything is Negotiable Book by Gavin Kennedy Summary"Everything is Negotiable" by Gavin Kennedy is a self-help book that provides readers with valuable insights and practical techniques for successful negotiations. The book explores the fundamental principles and strategies of negotiation, emphasizing the importance of preparation, understanding the other party's perspective, and maintaining a win-win attitude. Kennedy highlights the power of effective communication and provides tips on active listening, questioning, and managing emotions during a negotiation process. Throughout the book, numerous real-life examples and case studies are used to demonstrate the application of negotiation techniques in various scenarios. Kennedy also addresses common negotiation pitfalls and offers advice on overcoming them. Readers will learn how to recognize and utilize negotiating tactics and leverage their own strengths to achieve desired outcomes. "Everything is Negotiable" is a comprehensive guide that equips readers with the necessary skills and mindset to navigate negotiations successfully in both personal and professional contexts. Chapter 4 Everything is Negotiable Book AuthorGavin Kennedy is an author and Emeritus Professor at Edinburgh Business School, Heriot-Watt University, Scotland. He has written several books on negotiation and persuasion, including "Everything is Negotiable: How to Get the Best Deal Every Time" which was first published in 2008.In addition to "Everything is Negotiable," Gavin Kennedy has also written the following books:1. "The Oxford Guide to Effective Negotiating" (2000)2. "The Essential Negotiator" (2004)3. "The New Negotiating Edge: The Behavioral Approach for Results and Relationships" (2005)4. "Negotiation: Tactics, Techniques, and Strategies for Success" (2011)5. "Rethinking Negotiation: The Art of Listenology" (2015)The best edition of these books in terms of popularity and reviews may vary depending on individual preferences. However, "Everything is Negotiable" has been widely praised for its practical approach to negotiation and is often considered one of the best books on the subject.Chapter 5 Everything is Negotiable Book Meaning &...

Learn more about UCC Article 3 and how to get access to our program on how to use it. Go here: https://linktr.ee/filauniversitySupport the show

Here we go! These are the 5 core, none negotiable rules when it comes to Being Her. The girl you always wanted to be! Magnetic, amazing and thriving. These rules will lead you to your suceess in life and relationships.LINKS:20 feminine energy principles: https://www.margaritanazarenko.com/20femininesalesPolarity MasterClass (20 secrets to long lasting attraction & love) : https://www.margaritanazarenko.com/polarity-masterclassAmazon book list:https://www.amazon.com/shop/margaritanazarenkoBecome Magnetic (Free Ebook): https://www.margaritanazarenko.com/Email me: info@margaritanazarenko.comPlease note that this episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.Produced by Dear MediaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

New energy, new mindset, new perspective! In this episode Ernestine and Amber discuss pivoting, not being so rigid in your beliefs that you miss out on new ways of thinking and what's to come from It's Negotiable Pod! Make sure you are subscribed for new episodes! Follow @MrsErnestineMorrison on IG Follow @Amber_tai  on IG This episode is sponsored by The Legacy Center in the greater Atlanta area. Visit www.LegacyCenter.com for all of your event space and production needs!

The Sports Animal is about to celebrate its' 25th Anniversary. Jim & Julie take a walk down memory lane and talk all about the early years! They also discuss the art of "negotiating" with your spouse and if they will be able to learn this new technique after 28 years.See omnystudio.com/listener for privacy information.

Today Jon Appino talks about how to negotiate your contract! LINKS: www.ContractDiagnostics.com Have you ever considered a different way of practicing medicine, whether you are burned out, need a change at pace, or are looking to supplement your income? Locums story.com is the perfect place to start. https://locumstory.com/ 

Get a 4.75% mortgage rate or 100% financing on new-build Florida income property. Start here. If I gave you $10M, learn why that probably wouldn't even help you. We revisit how “Real Estate Pays 5 Ways”, a concept that I coined right here on the show in May 2015. Some think real estate pays three, four, or six ways. I revisit why there are exactly five. Real estate has many paradoxical relationships. I explore. Americans are living in homes longer than ever, now a duration of 10 years, 8 months. The active supply of available housing dropped again. Get an update on the gambling industry. A major sports gambling platform has offered to advertise with us. Take my free real estate video course right here.  Zillow expects US home values to rise 4.8% from April 2023 to April 2024.  Months of available housing supply is currently 2.7 per Redfin. Resources mentioned: Show Notes: www.GetRichEducation.com/450 Active Supply of Available Homes: https://fred.stlouisfed.org/series/ACTLISCOUUS Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE 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”  Top Properties & Providers: GREmarketplace.com 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 Keith's personal Instagram: @keithweinhold   Complete transcript:   Welcome to GRE! I'm your host, Keith Weinhold. If you were gifted $10M right now, why that very well wouldn't help you at all.   Learn a fresh take on how Real Estate Pays 5 Ways at the same time. A housing market update with perennially sagging inventory supply amounts and more outlooks for stronger home price appreciation than many expected. Today, on Get Rich Education.   Welcome to GRE!    From Montevideo, Uruguay to Montecito, CA and across 188 nations worldwide, you're listening to one of the longest-running and most listened-to shows on real estate… the voice of real estate investing since 2014. I'm your host and my name is Keith Weinhold.   How would you like it if I gave you $1M?   You know what? That's not enough to make my point. Make it $10M. I adjusted for inflation - ha! How much would you like it if I gave you $10M? How would that feel?   But what if it comes with this one condition.   What if I told you that I'll give you the $10M, but you are not waking up tomorrow?    Not waking up tomorrow? No way!   Now you know that waking up tomorrow is worth more than $10M.   This is how you know that your time and your life are worth infinitely more than any dollar amount.   Hmmm… if your time is so valuable. Then why did you check Instagram 15 times yesterday to see who viewed your Stories? Ha!   Why are you spending time with your AI girlfriend? Ha!   Get Rich Education is ultimately about living a rich LIFE - whatever that means to you.   And we do approach that from the financial perspective here. Money does matter… because leverage, cash flow, and inflation-profiting enable you to BUY time.   We're really one of the few investing platforms… this show is one of the few places with the audacity to tell you that - sure, a little delayed gratification is good… but the risk of too much delayed gratification is DENIED gratification.   Denied gratification is a terrible investing risk that most people either don't give enough weight to - or don't factor in at all.   And getting a $10M windfall is not as great as it sounds either.    History shows that the $25M Lottery winner quickly loses their money. Why does that happen?  Because it seemed like it was effortless to get the windfall, and because they don't know how to handle an amount like that.  It's really similar to a capital gains-centric investor that gets a windfall.  See, cash flow investors like you & I - we can be more measured because your income stream is metered out over time. That's why you are less likely to be irrational with your gains.     Now, I touched on some of those ways that you're paid in real estate investing.    Real Estate Pays you 5 Ways™ simultaneously. That's a concept that I coined right here on the GRE podcast. We since went on to have it trademarked.   Do you know when I first introduced that concept right here on the show - the month & year?    And I've since gone on to do a lot with “Real Estate Pays 5 Ways” to help other audiences understand real estate's five distinct profit sources.   Well, I had someone on Team GRE here do some digging into some of our legacy shows - our past episodes… because I wanted to know when I first said it… and it was apparently in May of 2015, so 8 years ago that I introduced it.   Since then, many other thought leaders have gone on to cite the phrase. Someone other than me even wrote a book on it. And that doesn't bother me at all. I'd rather that other people and readers get good ideas. That's more important than getting the credit.   Of course, c'mon, you can recite these 5 now like they're the Pledge Of Allegiance or something.    This is as automatic as the Lord's Prayer is for Christians. The five are: Appreciation Cash Flow Your return on Amortization and Tax Benefits and finally Inflation-Profiting But now, let's dissect this frog here a little. Why five ways? Why not another number, like real estate pays four ways or six ways?   It is five. There are no more or less. Each of the five are a distinct benefit.   A common flawed case that Real Estate Pays 4 Ways is that most real estate teachers omit the Inflation-Profiting benefit on the long-term fixed interest rate debt.   Any GRE devotee knows that with 5% inflation on $1M in debt, you only owe the bank $950K of inflation-adjusted debt after year one, $900K after year two, etc. (And in the meantime, the tenant pays all of your mortgage interest.)   Some that make the 4 Ways case question the Tax Benefit. Could the tax benefit really be considered a profit source, or is it just a deal sweetener?   It's a profit source.   Outside the real estate world, to obtain a tax write-off, you must have a real expense backed up with receipts, like building a new computer equipment or buying a new farm tractor.   Instead, the magic of real estate tax depreciation says that you can just write off 3.6% of the improved property value each year just for doing... nothing all year. No improvements necessary.   It's a phantom write-off, yet legitimate to the IRS.   Then the 1031 Exchange means you can endlessly defer all of your federal capital gains tax for your... entire life.   Yes, it's one of the few places in life where procrastination actually pays.   I've even heard some say that they're a fan of GRE's Real Estate Pays 5 Ways™, but they've discovered a sixth.   This often involves an event that's either unlikely or falls into one of the existing 5 Ways.   For example, "My appraisal value exceeded the contract price. I'm buying it for $320K, but the appraisal is $340K. I got $20K in instant equity. See, I was paid a 6th way."   No.   I mean, good for you, $20K of instant equity is a nice sweetener - that's a $20K credit in your net worth column that you received the moment you opened up that appraisal e-mail from your lender and saw it. Nice!   But an appraised value that exceeds the purchase price is not COMMON enough to be expected… and the 5 Ways are.   Also, you can make the case that "instant equity" is covered in the first way you're paid, Appreciation.   The reason that we invest in real estate is because there's virtually no other vehicle in the world where you can expect to be paid five ways at the same time.   That's a foundational principle - it's a core concept here at GRE.    It's why we do what we do. It answers the compelling “why” for real estate better than any answer there is…   …and that's why anything less than a 20 to 25% combined return when you add up all five ways is actually disappointing - and that's done with low risk - which is paradoxical almost anywhere else in the entire investing world.    If you haven't yet, take my free “Real Estate Pays 5 Ways” course in order to really understand each of your five distinct profit sources, where they come from, and how that all fits together.    It's at GetRichEducation.com/Course. The free “Real Estate Pays 5 Ways” short course is free at GetRichEducation.com/Course    Let's talk about real estate trends.   You know, real estate investing has a lot of relationships that you just wouldn't expect.    Part of that is because it intersects with the economy. Economies are complex and you get these relationships that are counterintuitive.    For example, in a recession, mortgage rates and all interest rates tend to fall, not rise.    Another exhibit is how debt BUILDS wealth with prudent leverage.   Another one that I've explained extensively here and the show and elsewhere is that higher mortgage rates correlate with higher home prices - not lower ones. That throws nearly everyone off.   Some physical real estate trends have been counterintuitive.   About 30 years ago in America - the 1990s - a new trend was fueled that everyone wanted to have a big kitchen.   New homes were often built with a big, fancy kitchen in the center of the home. Open floor concept - no galley kitchens anymore. That began back then.   And this was really the advent of - at the time - what we considered luxury amenities like granite and quartz kitchen countertops.    Anymore, that's become standard. Even our build-to-rent providers at GRE Marketplace often have new granite countertops in rentals.    But the paradox here is the assumption that a big emphasis on kitchens would mean that more people would start cooking at home.    Oh, no. Just the opposite, in the last 30 years, despite the big kitchens, more people eat out at restaurants and fewer people eat at home. Another real estate paradox.   Another counterintuition was the pandemic. Society locked down, people lost their jobs and you think that there are going to be mass foreclosures because with no job, no one can afford their mortgage payment.   People thought the pandemic will cripple the housing market. Oh, it was just the opposite. That created a housing boom. Everyone wanted their space. Another paradox.   Remember here on the show, shortly after Biden was elected, I told you that this administration - for better or for worse - will not let people lose their homes.    Then we had high inflation on the heels of the pandemic. That was bad for consumers and good for real estate.   But high inflation is supposed to mean that bitcoin and gold would surge. Well, another paradox, that brought crypto winter, and gold did nothing in high inflation, until more recently here.   Rather than high delinquency rates we've got low delinquency rates. In fact, the mortgage delinquency rate has been steadily falling for almost 3 years now. That's because of strong borrowers and tough lending standards.   Now, another real estate investing trend, though there's nothing paradoxical here, is mortgage rate resets.    Here in the US, on 1-4 unit rental properties, you're in great shape, whether you locked in your interest rate at 3% or 7% - the thing is that you have a steady payment… and on an inflation-adjusted basis, your same monthly payment amount goes DOWN over time - it's a tailwind to your personal finances.   Inflation cannot touch your steady, locked-in P & I payment.   But many Canadians are up for renewal with their 5-year fixed rate, 25-year amorts.    Yeah, just across the border in Canada, they don't have these 30-year fixed rate amortizing loans.    Their rate resets every five years.   One Canadian homeowner that I talked to, he doesn't live in that posh of a home in Ontario, it's just a little above the median housing price.    His family's loan terms are about to reset on the primary residence and it's expected to increase their monthly payment by $1,280 / mo.   How would you feel if that happened to you overnight? It's a nuisance at best. It might even crimp your quality of life - or worse.   That can't really happen to you in the US.    Having a 30-year FRM is like you having rent control as a tenant.    In coastal areas, some tenants that have a rent control deal - New York, California, Oregon - they want to live in their home for decades under rent control because there's a ceiling on their rent. Move out of their unit - lose the deal and they'd have to reset somewhere else.   It's the same with you as an American homeowner or REI in the 1-to-4 unit space. Your P&I price cannot rise.    And, I've talked about the interest rate lock-in effect before, constraining the housing supply.    Get this. Just last week, First American Title Company informed us that the average resident duration in a home hit a record high.    Amongst this lower intrinsic mobility rate, interest rate lock-in effect, and other societal trends, the average resident duration in a primary home in now 10 years, 8 months.    Lower mobility. Studies show that people are holding onto their cars longer than ever, and people aren't parting with their real estate either.   So, then, with fewer properties coming to market, let's update the available supply of homes.    This is pulling from the same set of stats that I've been citing for years, in order to be consistent. Check this out. This is the FRED Housing Inventory - the Active Listing Count of Available US homes.   Remember, historically, it's 1-and-a-half to 2 million units available. In 2016 it was still 1-and-a-half million.   Then in April of 2020 it dipped below 1 million and fell sharply from there - which I've famously called this era's housing crash.    It was a housing SUPPLY crash - which hedges against a price crash.   It fell to as low as 435,000 a year later in mid-2021. Gosh, under a half million.   It's rebounded as builders know that they need to build more homes. Six months ago it got up to 750,000 available homes - which is still less than half of what  America needs.   And now, today, did the supply get up toward at least 1 million yet? No.    It has dropped back the other way to just 563,000. This astounding dearth of housing supply - it's a condition that we could very well be in for over a decade.   This scarce supply is a long-term American condition. Yes, it's good for your real estate values - both present and future. But it is a problem too. It's a contributor to homelessness!   The Covid home improvement boom is officially over. So says Home Depot. They posted a revenue drop in the first quarter and warned that annual sales would decline in 2023 for the first time in 14 years.    Home Depot said that shoppers are now holding off on the big-ticket purchases they made during the pandemic and are choosing to break up larger projects—like remodeling a bathroom—into smaller, bite-sized pieces.   There's a fascinating new study from a bipartisan think tank shows that everyone wants to LIVE ALONE.   That's what Business Insider just reported on. Now, of course, the term “everyone” is an exaggeration.   But Statista and Our World In Data tells us that - get this - this is the number of SINGLE-PERSON households in the US - people living alone.   Back in 1960, that figure was just a paltry 13%.   By 1970, 17% of households were people were living alone.   Every ten years, that percent crept up to 23, 25, then 26%. By 2010 it hit 27% and by 2022 it hit 29%.   Now, you can't think that's good for society - to have all these single-person households. Almost 3 in 10 living alone. C'mon. Find a good spouse.   But in any case, that's good for you as a REI, when, say, 10 people live amongst 5 homes rather than 3 homes - absorbing all that housing supply and keeping it scarce.     Even if the US population stayed the same, there's more home demand - with that trend.   Of course, the US population is growing, though really slowly, probably just a few tenths of 1% this year.   But because of all the Millennials and the embedded “Work From Anywhere” trend, housing demand is pretty strong.   The recent rental housing demand and rent boom came almost entirely due to a surge in household formation -- young adults leaving the nest and roommates decoupling to get their own space... especially in urban areas.   People working from home want more space (without a roommate) AND are willing to pay more for it -- and able -- to pay more for it.   So if you're bullish on work-from-home remaining the norm for at least a chunk of the population (and I am), you should be bullish on the rental demand outlook.    And this has really revitalized America's SUBURBS - that's the area where you find that space.   The WFH-fueled rise of the suburbs is a wake-up call to cities, where, in the case of NYC, 26 Empire State Buildings' worth of office space now sits empty.  The typical office worker is spending $2,000–$4,600 less annually in city centers. Because even if they GO to the city to work, they might only do that 2 days a week now - not 5. I've got more for you straight ahead, including a new forecast on how much home prices are expected to rise this year.   Again, check out my free video course if you haven't “Real Estate Pays 5 Ways”. Get it at GetRichEducation.com/Course   I'm Keith Weinhold. You're listening to Get Rich Education.   Yeah, big thanks to this week's show sponsors. I'm only bringing you those places that will bring real value to your life.   Now, here at GRE, I recently read an offer that one of these major sports gambling platforms sent us. They want to advertise on the show here.    Do you want to hear sports gambling ads on GRE? I've got an opinion about that, that I'll share with you shortly. Gambling is not the same as investing.    If you're wondering why you're hearing more about gambling, especially sports gambling than you had just a few years ago, well…   Now, just last week, it was FIVE years ago that the Supreme Court lifted a federal ban on sports gambling in the US.    That spawned a multibillion-dollar industry that's transformed how Americans watch, talk about, and experience sports.   Americans bet $95B on sports in legal jurisdictions with consumer protections last year. That's more money than the amount spent on ride sharing, coffee, or streaming… and you can bet that the off-the-books gambling number, if added in, would make that WAY higher. Two sports betting companies, DraftKings and FanDuel, control 71% of the US market, per gambling analytics firm Eilers & Krejcik. Gosh, that's almost a duopoly right there. But despite that, these companies have struggled to turn a profit. FanDuel recorded its first quarterly profit just last year, and DraftKings has YET to report a profitable quarter. Well, I'll just tell ya, it's one of those two big companies that inquired about advertising on GRE. Of the 50 states, the number is 33 that allow it. That's 2/3rd of the nation that has legal sports betting (Washington, DC, has it too). Another four states have legalized sports wagering, but don't have any sportsbooks operating yet. Interestingly, the three most-populous US states—California, Texas, and Florida—have not legalized sports gambling. And they account for 26% of all teams in the major North American pro leagues. The number of women joining sportsbook apps jumped 45% last year, marking the third straight year that new women users exceeded men. Hmmm. I guess that's the growth market there. My inclination to have gambling advertising and associating with these companies is NOT to do it… not to accept that advertising income. I don't see how that's serving you. This feels like a conflict in my gut and in my heart. Gambling is sort of the opposite of investing for a stable rental income stream.  I mean, either way, I guess you're putting your money at stake. But that's about the closest common ground I can find.  At least at this time… and probably all-time, it's a “no” for gambling content here. That's not any sort of moral judgment on the activity at all. I mean, gosh, as a teenager, I was really into sports gambling, but it was the informal kind. My friend & I each lay a $10 bill next to the TV - Phillies vs. Mets. Winner gets the $20 bucks. So, my inclination is a pretty easy “no”. Hook up with our sponsors - they support GRE. That's Ridge Lending Group, offering income property loans nationwide. JWB Real Estate Capital - if you want performing income property, JWB really has Jacksonville, FL sewn up & locked down. They do one thing and do it well. Then, Freedom Family Investments. Get started with them for real estate funds that are ultra-low hassle. Text “FAMILY” to 66866.  Where will the next ten years take you & I on the show here? I would love to be along for the ride with you. I hope that you'll be here with me.   Let me just take a moment to remind you that I'm grateful to have such a large, loyal audience to… well, listen to the words that I say every week. Thank you for your support.   This show has almost reached the 5 million download mark. I've been shown that it's between 4.8 and 4.9 million downloads now. I'm genuinely honored and a little humbled about that even.    Let's listen in to this 3+ minute CNBC clip. This is Lawrence Yun, Chief Economist at the NAR - the National Association of Realtors talking about the housing market just last week.    Now, a little context here - historically, the NAR has tended to give these dominantly sunny side-up, glowing, everything is always good & getting better kind of remarks on the housing market.   But I've been listening to the NAR's Lawrence Yun for quite a while and think he's been rather balanced.    Here, he discusses how real estate sales volume is down - which has a lot to do with low supply, that mortgage rates are steady, and that prices are slowly rising in most parts of the nation.   [OK, Vedran. Here's where we play the insert.]   0:09-3:42 First words to keep are: “Lawrence Yun…” Last words to keep are: “... half of the country.”   https://www.cnbc.com/video/2023/05/17/home-prices-still-rising-despite-sales-dropping-says-national-association-of-realtors-yun.html   Now, Lawrence Yun did go on to say that he thinks that the Fed should lower interest rates by a half point, and more.    Let us know if you'd like us to invite Lawrence Yun onto the show. As always, you can leave your suggestions, questions, or any comments about the Get Rich Education podcast or any of our other platforms at our Contact center at: GetRichEducation.com/Contact   When it comes to national HPA, just last week, we learned that Zillow revised its home price outlook upward.   Between April 2023 and April 2024, Zillow expects home US home values to rise 4.8%.   You've got more signs that more & more American markets are being considered a seller's market rather than a buyer's market, which tilts toward price appreciation, though I still think pretty moderate price appreciation this year.    CNN recently published an article where they even posited the question: “Are Bidding Wars Back?” Yes, they are in a few markets.     Another measure of housing supply is the MONTHS of available supply. I think you know that 6 to 7 months of inventory is considered a balanced supply & demand market.   If it gets up to 10 months of supply, you tend to see little or no HPA.    Well, indicative of the low housing supply, we hit a winter high of 4-and-a-half months of supply.    And today, it's down to just 2.7 months per Redfin. 2.7 months. That's just another sign that demand is outpacing supply.   Then, among those entry-level homes, like the NAR's Lawrence Yun eluded to, they're even harder to find… and they're the ones that make the best rentals.    How hard are these to find? I mean, in some markets this can be even more rare than finding a true friend? Ha!   Is it as rare as the Hope Diamond? Or perhaps a Honus Wagner baseball card? Ha!   Well, the good news is that we actually have the inventory that you want at GRE Marketplace.   Besides that, we actually have something that you really like and that is - mortgage rate relief to help you with your cash flow.    Purchase rates have been hovering around 6 1/2% lately. That's the OO rate, so for rentals, it could be 7%+.   Well, how about rolling back the hands of time? Through our great relationships here and our free investment coaching, you have access to 4.75% interest rates on investment property - and many of these are new-builds in path-of-progress Florida.   Yes, our free coaching will get you the 4.75% mortgage interest rate, they'll even help write the sales contract for you if you're new to this, walk you through the property inspection, the property condition, the appraisal.    Yes, a 4.75% interest rate… today, from these homebuilder buydowns. I don't know how much longer that can last.    To be clear, you're not buying an income property FROM us. You're buying it with our help and our connections. It is all free to you. This is educational support for you.   In fact, our coaching support like this through our sole investment coach, Naresh is becoming so popular, that I can announce that we soon plan to add a second investment coach. Yes! A new one.   And interestingly, you have heard of this soon-to-be second investment coach because they've been a guest on the show here a number of times. Yeah, we'll make that introduction on a future show. You'll find THAT interesting.   But, our Investment Coach, Naresh, does have some slots open to talk with you and help you out. A lot of the best deals currently with these 4.75% rates are with new-build Florida duplexes and fourplexes.    You can use them for rental SFHs too. Last I checked, the deals were a little better on the duplexes and fourplexes.   You probably thought that Sub-6 and sub-5 mortgage rates are about as unlikely to make a sudden comeback as AOL or Myspace, but we've got them here now.    Now, that 4.75% is just one of two options that we have with some Build-To-Rent builders that are fairly motivated. So to review the first one fully… you can get a   4.75% interest rate with a 25% down payment 1 year of free property management and $1,000 off closing costs per deal That's one. Or, option 2 is: Zero down payment - yes, 100% financing 2 years free property management $1,000 off closing costs per deal Negotiable price, open to offers They are the two options.  It's rarely more attractive than this. If you hear this in a few weeks, or perhaps months, I doubt that these options will be there any longer.   So I'll close with something actionable that can really help you now.    If you want to do it yourself, that's fine, like thousands of others have, get a selection of income property - despite this national dearth of supply at GREmarketplace.com   Or, like I said, right now, it's really helpful to connect with an experienced GRE Investment Coach - it's free - our coach's name is Naresh - for those 4.75% interest rates or zero down program - whatever's best for you… you can do all that at once at GREmarketplace.com/Coach   Until next week, I'm your host, Keith Weinhold. DQYD!  

Kwame Christian: American Negotiation Institute Kwame Christian is a best-selling author, business lawyer, and CEO of the American Negotiation Institute. Following the viral success of his TED talk, Kwame released his best-seller Finding Confidence in Conflict: How to Negotiate Anything and Live Your Best Life back in 2018. He's also a regular Contributor for Forbes and the host of the number one negotiation podcast in the world, Negotiate Anything, which currently has over 5 million downloads worldwide. Under his leadership, the American Negotiation Institute has coached and trained several Fortune 500 companies on applying the fundamentals of negotiation to corporate success. He's also the author of the book How to Have Difficult Conversations About Race and the creator of Negotiable, an Online Community to Learn to Negotiate Anything. We often think about questions as a way to discover more — but have you also considered how your questions might influence? Kwame Christian and I discuss three key steps in order to persuade better through your intentional questions. Key Points Rapport questions help you make a connection with the other party and establish a baseline for how they communicate. A helpful place to begin on rapport is noticing something that you genuinely admire or are curious about in the other party. When gaining information, start broadly and then pull the thread when the other party leads you down a path. Beware that your role/positions can cause people to say more than they otherwise might. “What would it take?” is often a helpful way to illuminate a path forward. Even if you ultimately are more directive, laying the foundation through questions allows the other party to be heard and understand. Interview Notes Download my interview notes in PDF format (free membership required). Related Episodes These Coaching Questions Get Results, with Michael Bungay Stanier (episode 237) How to Ask Better Questions, with David Marquet (episode 454) The Way Out of Major Conflict, with Amanda Ripley (episode 529) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic. To accelerate your learning, uncover more inside Coaching for Leaders Plus.

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Photo: No known restrictions on publication. @Batchelorshow #POTUS The 'non-negotiable" Federal Spending Debt Limit & What is to be done? Dan Henninger, WSJOpinion https://www.wsj.com/articles/debt-ceiling-madness-fiscally-demented-spending-trillions-biden-gop-money-partisan-inflation-pandemic-11674681318

In this episode: balancing deprivation and happiness, making adjustments, everything is negotiable, the evolution of alignment, adjusted awareness, and intentionality in community. Five years ago, Scott and Taylor Rieckens publicly began their path to FI by creating the fantastic documentary "Playing With FIRE." The documentary depicts their life as they start out and navigate the early stages of their FI journey, which is often the period of time when we act our most frugal, cut as many expenses as possible, and in turn save as much as we possibly can! While this kind of lifestyle is a great jumping off point early in the FI journey, oftentimes people find this lifestyle to be limiting and ultimately detrimental to their own happiness. Now that Scott and Taylor are significantly further down the path compared to the last time we heard from them, we decided to have them return to the show to discuss the adjustments they have made in their lifestyle in order to live in a manner that fully aligns with their idea of a happy life! Remember, FI isn't suppose to limit your ability to be happy, rather it exists to enhance your life and help you find fulfillment as progress down the road less traveled. Scott and Taylor Rieckens: Website: playingwithfire.com Documentary: Playing With FIRE Book: Playing With FIRE Timestamps: 1:59 - Introduction 2:38 - What Makes You The Most Happy? 8:41 - The Evolution of Alignment and Adjusted Awareness 18:30 - The Craziest 36 Months 23:13 - Revisiting What's Important After Evolution 35:05 - Balancing Deprivation and Happiness 37:58 - Making Adjustments 43:03 - Decisions Are Based On The Information You Have 49:57 - Wonderful Evolutions and Learning Together 51:23 - Everything is Negotiable 57:02 - Everybody is the Star of Their Own Movie / Intentionality in Community 66:34 - Conclusion Resources Mentioned In Today's Episode: Playing With FIRE | Documentary | Scott Rieckens | ChooseFI Ep 37 "The Happiness Advantage: The Seven Principles of Positive Psychology That Fuel Success and Performance at Work" by Shawn Achor The Tim Ferris Show The Great Man Within "Thinking in Bets: Making Smarter Decisions When You Don't Have All the Facts" by Annie Duke More Helpful Links and Resources: Earn $1,000 in cashback with ChooseFI's 3-card credit card strategy Share FI by sending a friend ChooseFI: Your Blueprint to Financial Independence Track your personal finances with Personal Capital Keep learning or start a new side hustle with one of our educational courses Slash your cell phone bill without sacrificing service with Mint Mobile