Podcasts about prequal

While we've been exploring the 5 points & practices of being a Spiritual Shining Star, we go back in time to explore how we got here. How did we get here to these 5 points? For Malika this discovery and uncovering traces back to age 11, genesis of the 5 points. From this story we also talk about how to identify our gifts, including Spiritual gifts, and how it may require turning lemons to lemonade. Want to take a deeper dive to be able to identify calls that show up in your life at your own pace? Reap the benefits and save the time it took Malika over 5 years to learn the hard way. Get the online course:  https://thefeelgoodinstitute.com/shop-now/ols/products/answering-inner-call-workshop Are you feeling stuck and need support to answer a call showing up in your life? Schedule a 35 min consult with Malika:  https://calendly.com/malikalee/35minmeetwithmalika

This episode is a "Prequal" to EP40 and EP41. This Recording is from the FRIDAY night (Day 0.5) of the IV8888 Range Day event. Max, The BagMan, Angelo, Preacher, and Barney got to do some "night ops" with Thermal scopes, and "Nods".

My wife Rachael and I have been selling real estate since 2014, and I have over 10 years of experience in this career myself. Sold 130+ homes last 2022, with 4 team members, and 160+ 5 star google reviews. Hailing originally from Long Island, New York, my family moved to the barrier island of Vero Beach when I was a young child. We also have a wonderful 2 sons who lights up our days! I have personally bought and sold Vero Beach real estate as an investor and performed hundreds of transactions for my clients [PARTNER WITH US] Get instant 1-on-1 access to over 26 of the top agents in the country to help scale your business.

QUICK LISTEN | “This is like part of the Star Wars prequal trilogy, you can slowly see his turn towards the dark side.” Sam Ackerman on Novak Djokovic seemingly embracing the bad guy role and enjoying it Learn more about your ad choices. Visit megaphone.fm/adchoices

A detailed interview with the Canadian actors Mike Paterson and Bennett Taylor who star in the Predator prequal Prey. A discussion of the time spent on set, movie plots, easter eggs and movie ending. --- Send in a voice message: https://anchor.fm/iheartbmovies/message

Good to be back after a Summer Break. In this episode we have a feature interview with Steven Milne of Aberdeen Performing Arts all about the return of the True North festival which kicks off in Aberdeen on 22nd September. In addition we have chat on the latest news on new PM, The Queen, Four Idles various trips to Europe for some gigs, the return of Bloodlands on BBC, Prequal series House of the Dragon and the Rings of Power and a review of Pink Floyds Animal "remix". Enjoy!

Winter is Coming! But not for a while since this is a Prequal....Jonathan, Max, and our special guest host for this series, Pam Colon, are diving into Game of Thrones: House of the Dragon. And it does not disappoint! Hear our hot-takes on this exciting new HBO Series.For more information about the show go tohttps://www.whatdoyoumedia.comOr Send us an email at whatdoyoumeanyouveneverseen@gmail.comThank you to James Alexander for creating the awesome artwork for this show! Check out his instagram at https://instagram.com/pleasantviewdesigns?igshid=NDBlY2NjN2I=Follow the show on social media!!Patreon: https://www.patreon.com/WhatdoyoumeanY4Facebook: https://www.facebook.com/What-Do-You-Mean-Youve-Never-Seen-107380251977450/ Instagram: https://instagram.com/whatdoyoumeanyouveneverseen?igshid=YmMyMTA2M2Y= Youtube: https://www.youtube.com/channel/UCKK5WkxviFwkBDV38XC43nQ Twitter: https://twitter.com/whatdoyoumedia TikTok: https://www.tiktok.com/@whatdoumeanuveneverseen? Support the show

In this week's episode, we were joined by 1/3 of  @HuddleTalkTV  - Khalid! We discussed the origins of his podcast, their rise on Tiktok and how to grow your page on social media. And of course the topic of Andrew Tate came up so we had to discuss and find out if the boys really do support him and his beliefs. Grab a snack and a drink and enjoy this episode because it's a long one!Thank you so much for stopping by and listening! If you like what you hear, follow our page for more episodes uploaded every THURSDAY!Make sure you check out the boys at  @HuddleTalkTV  on Instagram, Tiktok, Spotify/Apple Podcasts and Youtube!!!!Don't forget to subscribe to our Youtube channel for more videos:https://www.youtube.com/c/CousinConnectionPodcastFollow us on IG:https://www.instagram.com/cousinconnectionpod/-------------------------------------------------------------------------TIME STAMPS:0:00 - Intro0:07 - Proper Mic etiquette1:16 - Real Intro2:24 - The Prequal to HuddleTalkTv7:04 - What Podcasts is Khalid watching? and Random Order being the best of them11:00 - Thoughts on Andrew Tate25:43 - What is the Red Pill?30:14 - Khalid needs to start wathcing more shows35:39 - What's your screen time record?39:11 - Amir talks about his Reading and Fitness journey... again47:34 - HoRoScOpEs51:39 - Amir started a Youtube channel before Aysha54:16 - How HuddleTalkTV started58:44 - How the TikTok algorithm really works1:06:35 - Expanding the CC brand1:08:15 - Is Toronto the screw face capital?1:09:33 - Khalid also has a famous sister1:14:39 - The Toronto Podcast scene1:19:59 - Amir doesn't know sports1:22:32 - OutroAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Today's episode is all about how to buy a home. What does that process look like? What does the pride of home ownership mean? That's an amazing feeling, to have a place that you can call your own, a home base, a mortgage payment that's locked in. Steps to buy a home:Figure out if you can be approved for financing unless you're sitting on cash and you're going to write a check for it.Talk to a lender and get preapproved for a mortgage. Gather information of what your goals areDetermine your budgetTwo most important numbers, your monthly payment and total cash to closeWhere you want to buy itHow much you have available to put downRoughly what your credit score isWhat you do for a livingSubmit an application online and you're going to provide some paperwork to verify your income and your assets.Run a credit report.Prequal consultation.You get a pre-qualification letter.Shop for homes.Your Agent will help you negotiate with the seller and their agent. Once you go under contract, the first thing that you're going to do is write a check to the title company. You could cancel the contract for any reason during those first ten days to get a full refund of your earnest money. Your real estate agent is going to set you up with an inspector to do an inspection of the home. Assuming everything's good on the home now you're continuing to move forward in the transaction. Hear the rest of the steps on this episode!Important Links & Info:Follow Jeff:Instagram: https://www.instagram.com/jeffsmithaz/Facebook: https://www.facebook.com/profile.php?id=100002927397116LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/The Smith Team at CCMCall Us: 480.909.4000Email Us: thesmithteam@myccmortgage.comAPPLY NOW @ www.smith-team.comCCM NMLS 3029 NMLS 1642793 NMLS 413643

Part 2 of our Origin pod, at this stage of the week I have forgotten what the boys were talking about. But thanks again to Bricklane Brewing and Charlie for stepping up on short notice.

In this episode of Nostalgia & Now, the Movie Time Madness crew compares Fantastic Beasts and Where to Find Them with Fantastic Beasts: The Crimes of Grindelwald!

10 Minutes with Eric Nelsen - Ennis on 1883Pepper Stewart talks with Eric Nelsen Emmy Award Winner who plays Ennis on Yellowstone prequal 1883.Here is 10 minutes of that conversation. Talking 1883 and living in Cowtown! #Y1883 #YellowstoneTV #EricNelsen #Western #PepperStewart #Cowboys #Texas

Happy New Year! The guys of the Ledger Show talk about what it means to them to have a new year!

What a summer to remember! Marita & Monica talk about this hectic summer, our hiatus, the pandemic, and the importance of creators protecting their work. Take a listen to learn more about our new sheroes and organizations to support. Also, it wouldn't be a Shattered Glass episode if we didn't discuss...self-care :) Thank you to all of our followers and supporters (old and new) - we are so appreciative of all the love! Episode Mentions: Andrea Mac & Natashee Scott, Prequal, LLC (https://theprequal.com/) Christina E. Carrière Lutz, Levenfeld Pearlstein, LLC (https://www.lplegal.com/home) Black Tech Nation (https://blacktechnation.com/) Invest in Her (https://www.weinvestinher.org/) Lawyers for the Creative Arts (https://law-arts.org/)

Please tune in to this episode of The Building BITE Podcast, as we hear from industry experts about key topics to help you be successful. In this episode, hosts Peter Duggan and Mike Diercksen, CRIS, welcome Jim Richert, AVP, SDI Risk Engineering Leader at AXA XL. Jim provides our listeners with a brief history of what led him to where he is today, including how the risk engineering role came to AXA XL. Jim was once a team of one and now leads a team of 10! Jim shares what he believes are the key steps to develop and sustain a team of subject matter experts who prioritize customers as well as their own personal and professional well-being: These include: 1. Create a Strong Vision 2. Look for Team Growth Opportunities 3. Constantly Engage with Your Team Jim leaves our listeners with several trends that he is seeing. He's spent much of this past year discussing the concept of managing the unknowns with partners. Often, trends are hard to spot – and by the time they are identified – reactions are likely too late. His conversations have focused around doubling down and making adjustments on strong practices that contractors are taking to stay ahead of risks which include: • Revisiting project Go/No go type decisions • Contract language review • Prequal and sub selection practices • Schedule management • Supply chain and escalation risks

What exactly is a "PreQual" or "PreApproval"?  Zero down? Conventional?  How exactly does one buy a house?   "What say you?"  and "Do Tell"! 

The CTD Pod discuss Bill Cosby being released from prison, The Durant and Pippen back and forth, The Soprano's Prequal and a whole lot more.

On this episode, we spotlight Jeff Nolan, Risk Engineer at Cove Programs. Jeff shares four opportunities to improving prequalification and subcontractor selection processes for contractors to maximize success on a project. By (1) avoiding silos while doing prequalification, (2) developing a consistent risk mitigation plan, (3) consistently applying the developed processes, and (4) capturing the lessons learned, GC's are better positioned to see improvement in their risk management strategy and claims process. Growing up in California, Jeff shares his career journey after graduating from the University of California, Davis. From Bechtel to Zurich and now Cove, Jeff has worked globally in Dubai, The United Arab Emirates, London, and Germany. Leveraging his global expertise, Jeff shares his view of the main differences between SDI and surety bonds. He then provides listeners with four steps to improving a contractor's prequalification and subcontractor selection process. These include: 1.Don't do Prequal in a Silo or Vacuum 2.Develop a Risk Mitigation Process 3.Consistently Apply the Developed Processes 4.Capture the Lessons Learned Tune in to learn more about these four steps and how they can benefit project teams today. Follow @TheBuildingBITE

Three months into our 'Star Wars' adventure and the crew finishes the Prequal trilogy.  Jeriah, E and Robbie aren't completely negative on this one. So that's neat! Check out the episode and let us know what you think! ------------------------------------------------------------------ You can contact us at  Thelastonesinpodcast@Gmail.com -OR- Linktr.ee/LOIP

*Tapes Thursday 1PMTHIS SHOW AIRS: TUESDAY 5.04.21 --------------------------------------------------*NOW LIVE STREAMING TO MULTIPLE PLATFORMS*Facebook / Youtube / Periscope------------------------------------------------------------------LISTEN MONDAY thru THURSDAY AT 4PM ON AM860 / 93.7 FM SMART TV OWNERS CAN SEARCH BINGENETWORKS TO FIND US ON Roku / Firetv / Appletv /Amazon*Sunday show 102.5fm THE BONE SEGMENT 1 (:16 min) 24:30 to 08:30 OPEN: Who we are, What we do, todays show... SPONSOR – REPLENISH IV SOLUTIONS PROPERTIES (2) MILLY ATHANASON – athanasonlaw.com Milly talks about how the court system is functioning with remote and zoom presentations. Learn how Milly works with clients to make sure she best represents their case. Many young attornies try to impress with clothes and outrageous antics but nothing works better than AUTHENTICITY. Listen to Milly talk about traffic laws and auto insurance details. **TEASE COMING UP................ & A FEELGOOD STORY ----------------------------------------------------------------------------------------------------- SEGMENT 2 (08:30 MIN) 08:30 – 00:00 SPONSOR – GOLF CART DEPOT PROPERTIES (2) KEVIN OVERSTREET – AUTHOR "FRAUDSHINE STATE" INSURED TITLE / PROPERTY PREQUAL / PROPERTY FIREWALL Kevin explains how property PREQUAL is a great resource for buyers as well as sellers. When you are house shopping, dont fall in love with a property until you check properyprequal.com because you dont want to find out afterwards that there is a problem and the deal is DEAD. --------------------------------------------------------------------------------------------------SEGMENT 3 (08:00) 24:30 to 16:30 SPONSOR – VETERAN GUTTERS PROPERTIES (2) KEVIN OVERSTREET – AUTHOR "FRAUDSHINE STATE" INSURED TITLE / PROPERTY PREQUAL / PROPERTY FIREWALL --------------------------------------------------------------------------------------------------SEGMENT 4 (16:00) 16:30 TO 00:30 SPONSOR -BROTHERS EZ MOVING PROPERTY (1) FEELGOOD STORY CHUCK PETERSON – SUNCOAST ROOFING Chuck updates us the proposed laws about homeowners insurance. Get in touch with your Rep and tell him that this propsed law will increase the burden for the homeowner. After 10 years Insurance companies no longer have to cover total replacement costs for your roof if damaged, just 25% . The attempt to keep premiums down may end up hurting homeowners in the long run. 00:30 – 00:00 CLOSE...RANDOM ACT OF KINDNESS... See acast.com/privacy for privacy and opt-out information.

Heya folk! Ben here with another great podcast. This week I sit down with 3 great fans of the Star Wars seires. @Ricknerdvarro, @t1ckmusic, and @lebowankenobi. We talk about all three movies and more. I hope you guys enjoy. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/comiccomedy/support

Brittany and Ansley discuss real estate in an honest and informational format, but don't hold back on the confusing aspects, intricate details, and often, their personal lives, because you deserve to know your realtor! Connect with Brittany and Ansley via: SellItSisterPodcast@gmail.com Instagram Twitter brittanyshepherd.com Intro music produced by John Adams and performed by Ansley Rimmer Real Estate, Shreveport, Bossier City, Louisiana, Women, Jimmy Davis Bridge

The events leading up to infamous phone call between Stackz Da Homie and his biggest “fan” The Rock & Roll Cowboy.... --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/xstspodcast/message

Long ago, in the golden age of piracy, The forever man James Lurchen is captured by swashbuckling pirates. And the pirates force him to take them to the fountain of youth. If those pirates taste those waters, then they will live forever too! What will Lurchen do? --- Support this podcast: https://anchor.fm/blakerandolphstories/support

In today's episode Clark discusses the difference between a Pre-qualification and an Approval.www.thebbqmortgageguy.comClark F. Harvey is a Loan Originator Licensed in 5 States (Utah, Colorado, California, Wyoming and Idaho) NMLS - UT LIC# 5493357 | CO LIC# 100051743 | CA LIC # CA-DBO240452 | WY LIC # 7448 | ID LIC # MLO-2080240452

Show Notes:Star Wars: Episode I – The Phantom Menace - https://letterboxd.com/film/star-wars-episode-i-the-phantom-menace/Star Wars: Episode II – Attack of the Clones - https://letterboxd.com/film/star-wars-episode-ii-attack-of-the-clones/Star Wars: Episode III – Revenge of the Sith - https://letterboxd.com/film/star-wars-episode-iii-revenge-of-the-sith/Email - theaternoise@gmail.comTwitter & Instagram - @theaternoiseLetterboxd (Levi) - https://letterboxd.com/LeviTN/Letterboxd (Eli) - https://letterboxd.com/eliv/

Home Loans Radio- That Mortgage guy Don answers live questions on prequal vs preapproval first time homebuyer and buying a home with roomate

There's a lot that goes into getting a mortgage. Join Jeremy as he interviews Ryan Langley, VP Branch Manager of Ruoff Mortgage in Bloomington, IN, on just how to get there.    Freebie: Get your money right video series Level up: New Home Buyer’s Guide comprehensive ecourse Contributors to this episode include: Host - Jeremy Goodrich  Copy Editing - Talia Chakraborty If you enjoyed this episode, stick around: SUBSCRIBE on Apple Podcasts.  REVIEW the show and SHARE with friends. JOIN the New Home Buyers Guide course to own the home buying process and the home of your dreams. With a 100% money back guarantee, you’ve got nothing to lose and a sweet house to gain. Thanks for listening!  More great stories & information at: YouTube - Podcast - Pinterest Course - Shine Insurance Full Transcript: Jeremy Goodrich: I'll introduce you again and then I'll pick the one I like better. Ryan Langley: Okay. No problem. Jeremy: We'll see how this intro goes. All right. Hey this is Jeremy from Shine Insurance and today I've got a special guest on our channel and his name is Ryan Langley. Ryan is the vice president branch manager of Ruoff Mortgage here in Bloomington, Indiana. He's a mortgage lander, and he has tons of information for us about exactly how to go about getting a mortgage and the processes you should think about. Now, in this video we're not going to talk about kinda the back end of very ends of the process. We're going to talk about maybe the most important part of the mortgage getting process. I don't even know if that's an actual phrase, but we're going to talk about the five steps you need to take before even considering buying a house. So Ryan, thank you so much for being with us today. Ryan: Thanks for having me. Jeremy: Okay. I'm really excited, I've decided I want to buy a house. I'm going to go out, I'm going to get a realtor, I'm going to start looking at houses right away. Is that what I should do? Ryan: No. Jeremy: And so why not? Ryan: Yeah. Getting the realtor is definitely part of the process. Jeremy: Mm-hmm (affirmative). Ryan: You're going to want to kinda keep that part of mind up front. But there's several steps that you should take prior to going out and rushing out and making an offer on a home. For starters, most realtors are going to want to make sure that you've got your ducks in a row and have taken some steps to make sure that you're ready to buy a house before they can even start showing you the home. Jeremy: What do you mean by ready to buy a house? What do I need to be to be ready to buy a house? Ryan: Sure, sure. The first thing that I will always advise anybody that comes into office that's just thinking about it, just at the very early stages, is to take care of those things that you know might be an issue in your credit report. Jeremy: Mm-hmm (affirmative). Ryan: You know that you've got some late pays, or you routinely pay late on the credit cards, due loans, auto loans, you name it, on the type of debts that you may have out there. Make sure you get your house in order regarding your current debt obligations. That doesn't mean pay them off necessarily, but that definitely means make sure that you're current on every single payment and that you have been current on them. If you're habitually late on your payments each month, that's often times viewed as a negative on your credit report and your credit score will reflect that. Jeremy: Mm-hmm (affirmative). Ryan: That would be one of the very first things that you should think about if you're thinking about purchasing a home, is making sure that everything's up to date and you're paying things on time. Jeremy: So figuring out your credit score is really that number one? Ryan: Mm-hmm (affirmative). Jeremy: Being up to date on payments is one way of addressing your credit score. When you see people trying to fix their credit scores, are there some more important things than others? Ryan: Number one thing is, on all debt is make sure that you're current. One of the worst things that you can do is to get late and stay late on it. Jeremy: Mm-hmm (affirmative). Ryan: If it's a... One or two here and there that are over 30 days. Most credit bureaus don't report until you're over 30 days late on a payment. Jeremy: Mm-hmm (affirmative). Ryan: You've got some leeway time in there most often. But you really want to make sure that everything is paid on time. Now paid off necessarily, 'cause some debt's a good thing. But you want to make sure that everything's current. Jeremy: Having your credit in order, and the best way you can do that is by keeping everything current, keeping your debts paid. Not necessarily paid up completely, like paid down. Ryan: Mm-hmm (affirmative). Jeremy: But your debt's up to date. Okay. What's the next thing we should do to get our house in order before buying a house? Ryan: Next thing you should consider is taking a look at your finances and getting a good idea of what you feel you may be able to afford. Jeremy: Mm-hmm (affirmative). Ryan: That may not be necessarily what the lender will tell you later on, but it's always helpful for a lender if we got a general sense of the price range that you're looking in. Jeremy: Mm-hmm (affirmative). Ryan: For a first time home buyers, it obviously depends on your current income situation. Jeremy: Mm-hmm (affirmative). Ryan: It depends on if you're single. Depends on if you've got multiple incomes in a household. There's a lot of factors that you would take into consideration yourself and there's all kinds of calculators out there online that you can log on and see to get a general sense of what a payment may look like and what they may look for. And a very good starting spot would be what are you paying in rent each month. Jeremy: Mm-hmm (affirmative). Ryan: Are you struggling to make that payment as it is right now? Or, are you making it easily and you can afford some more payment? A very good starting spot would be to kinda look at where you're at on your rent payments, versus what you might be able to afford on a monthly basis on a mortgage. Jeremy: Okay, cool. If I wanted to look up one of those calculators, what might I choose for my Google search? Ryan: You can go to ruoff.com. Jeremy: Okay. Ryan: We've got calculators on our website that you can use, and that's typically where I would direct you to go and find a good calculator to use. You can also use any numerous websites, bankrate.com. There's a lot of other ones out there- Jeremy: Okay. Ryan: That would be sufficient. Jeremy: Mortgage calculator. Ryan: You can type in "mortgage calculator", and you'll get a 100 different options on finding it. Jeremy: Okay. Ryan: They're all going to be accurate. You put in, for the most part, most first time home buyers are going to be looking for a 30 year fix mortgage, so you type in "mortgage calculator", use the rate that they've got in there just for an example, that doesn't mean that's what rates are currently, but that does give you a general sense of where you would be on a monthly payment. Jeremy: Okay. I'm going to get my credit in order, I'm gonna look at what I might be able to do as far as a payment goes using my rent as a great example of a place to start. Ryan: Mm-hmm (affirmative). Jeremy: Then ruoff.com mortgage calculator would be another wonderful place to kinda figure that out. Okay, that's the first two. What's the next thing I should do? Ryan: Next thing you should do, before reaching out to a lender, which will be step four, but before we get to step four, step three is to start thinking about the preliminary documentation. Yes, it does take a lot of paperwork, or what can feel like a lot of paperwork at times... Jeremy: Mm-hmm (affirmative). Ryan: To get a mortgage, to obtain a mortgage. Jeremy: Mm-hmm (affirmative). Ryan: The base amount of documentation that almost every single mortgage lender will ask you for would be a driver's licence or a passport, your last two years federal tax returns, last two years W2s. If you receive W2s, your most recent pay stub, and your last two months complete bank statements that may show any assets that you have available for down payment. That would be the core group of items that you would need to get. Of course, it will always depend on your situation, depends on if you're self employed, depends on if you've got additional businesses that are attached to that. Those things can change, but that would a very good list of things that you should think about, just getting upfront before even calling the mortgage loan officer. Jeremy: Cool. If you didn't write that down, we put it down in the notes right below this video. You can look at the list of things that you should have ready before you even call a mortgage lender. Okay, so that was step three, get your documentation in order. Ryan: Mm-hmm (affirmative). Jeremy: Step four, you've kind of already alluded to, let's go for it. Ryan: Step four, that's when you're calling the mortgage lender and you set an appointment. Often times, as a first time home buyer, it would be helpful to meet face to face, but anymore in this day of age where we can access anything online, the vast majority of mortgage lenders are going to have that option for you to go out and apply for a mortgage online. Jeremy: Mm-hmm (affirmative). Ryan: Though, anytime a first time home buyer, if you're looking... The mortgage lending process has become so complex and there's so many regulations and so many documents out there, any time that you can get face to face with a lender I would suggest that you do so. Jeremy: Mm-hmm (affirmative). Ryan: So that they can help thoroughly explain the cost and the fees and everything that's associated with the process. More often than not, the mortgage pre-approval process should take anywhere from an hour to an hour and a half. Jeremy: Mm-hmm (affirmative). Ryan: It shouldn't take much more time than that. Jeremy: Mm-hmm (affirmative). Ryan: If it does, you can go back to our previous video and hear what I have to say about the communication piece. Jeremy: Mm-hmm (affirmative), and that is the- Ryan: It all comes back to communication. Jeremy: Yeah, and that video is the three different things to think about when you're choosing a mortgage lender, and you can see that on the Shine Insurance YouTube channel as well. Step four, going ahead and contacting the mortgage broker and getting pre-approved for a loan. Okay, what's step five? Ryan: Well, step five, what I did have is you want to save some down payment. Well, that may not necessarily be true for everybody's scenario. Jeremy: Mm-hmm (affirmative). Ryan: We do have loan programs where you can have zero percent down, loan programs where it only takes three percent or three and a half, and that money may be coming from a relative in the form of a gift. Jeremy: Mm-hmm (affirmative). Ryan: That's definitely something we can add to our list if you're considering receiving a gift there's different loan programs that we will accept it and different loan programs that will not. Jeremy: Receiving a gift as a down payment for a mortgage? Ryan: Sure. Certainly. Jeremy: I see. So, your dad or mom wants to pay the down payment as a gift and some tax benefit potentially happens there. Ryan: Certainly. Jeremy: Some companies will let that happen and some won't. Ryan: Well, most companies will, but it does depend on the mortgage product itself. It depends on whether or not it's FAG or conventional loan, USDA, or a home ready product where it allows for a three percent down. Jeremy: Mm-hmm (affirmative). Ryan: There's a lot of programs that have different rules and regulations, which you really want to make sure that the mortgage lender that you're working with is knowledgeable and understands those rules, and which products can be used... Either that you use a down payment as a gift form and which ones you can not. Jeremy: Right, okay. Ryan: But I would say the fifth and final thing that we should discuss leading up to the mortgage is get a general sense of who you're going to want to work with as a realtor, if you're going to be shopping for homes. Jeremy: Mm-hmm (affirmative). Ryan: And also get a general sense in your home owners insurance, which is a very important piece that's always, or often times, not always, but often times overlooked in the beginning stages of the process is you want to kinda have a general idea of who you may want to work. I would always, always encourage you to use a local insurance company versus going online, just like I would always encourage you to use a local lender verus going online to find a lender. Jeremy: For the same reasons, because the advice is better, the contact is better, the communication is better and then that's true for I think both sides. Okay, so step five was... Ryan: Step five would be to get a general sense of who you're going to use for as a real estate agent and who you would be using for your home owner's insurance. Jeremy: Okay. All right, cool. Well, that sounds really good. All those things, and I think what's so great about talking about this right now is both you and I see, as we see people purchasing homes, that they don't do a lot of this stuff ahead of time. Then it becomes a disappointing scenario. Instead, I really think buying a house should be fun. Ryan: Yeah. Jeremy: But it can very quickly turn into a lot of work, tragedy, disappointment, things of that nature. I think the five steps you've talked to us about today will help folks to avoid that. Ryan: Absolutely. Jeremy: Okay. If folks want to come and find you for a mortgage, how can they do that Ryan? Ryan: The best way to contact me would be to call, phone number here in Bloomington, which is 812-650-3800, and also be found online at www.ruoff.com. That's R-U-O-F-F.com Or send an email directly to Ryan.langley@ruoff.com. Jeremy: All right. Well, thank you so much for taking some time out of your schedule today to help us understand mortgages a little bit better. Ryan: Thank you for having me.

The guys discuss how obtaining a prequal letter from Townstone will put you ahead of competing offers. Speed and service is so important these days, while many banks put you off until they can get to you, that's not the way it's at Townstone. https://townstone.com

Brian Kunkler

The Cannabuds come back to audio and iTunes in the prequal to S:4 to bring a preview of what to expect and a conversation of love and sports. Oh yeah and we break in D’s fresh harvest. #StayStoned #HowYouGrowin --- Support this podcast: https://anchor.fm/the-cannabuds/support

EMAIL: TATMPODCAST@GMAIL.COM Hosts: EDERIECE: @The1stTake SALIM: @BollyFools MOE: @TalkingMovies3

This week we talk the third season of Preacher, news of yet another Childs Play reboot and the Alien universe maybe coming to the small screen plus more. EMAIL: TATMPODCAST@GMAIL.COM Hosts: EDERIECE: @The1stTake SALIM: @BollyFools MOE: @TalkingMovies3

MiC attempts to have a quiet weekend and come back to his senses. Neil Gaiman’s Sandman Overture is a prequel, Should you read it first? Let’s also talk about Alice in Chains acoustic EP Sap.

MiC attempts to have a quiet weekend and come back to his senses. Neil Gaiman’s Sandman Overture is a prequel, Should you read it first? Let’s also talk about Alice in Chains acoustic EP Sap.

Prequal vs Preapproval

Noticias cinematográficas do dia: Matrix 4 Meninas Malvadas 2 Mary Poppins: O Retorno Predador (?!) Rei Leão Live Action, e não é Hamlet!!!! Prequal de Hook E quem é Sara Haines???????? TOP 30 filmes JORRO: Onde só o emoji multifacetado salva. P.S.: E sempre posso ter esquecido algo

B1 K7 "Der sprechende Hut"Mit den wirklich wichtigen Fragen des Lebens: Altern Zauberer langsamer? Ist der Sprechende Hut eine Person? Und was sagen Harrys Träume aus? Modische Beratung gibts im Anhang!!SPOILER! !SPOILER! !SPOILER! Anregungen, Lob und Geschenke an plappertrank@gmail.com oder Twitter @plappertrankIntro02:00 Geister sind bekannt so wie Zombies und Drogen http://de.drogen.wikia.com/wiki/Zombiedroge 03:14 Hat Mc Gonagall graue Haar? 04:00 Werden Hexen und Zauberer älter als Muggel? 04:30 Dumbledore 1881- 1997 http://harrypotter.wikia.com/wiki/Albus_Dumbledore 05:00 Punktesystem der Häuser 07:00 Wenn du nach Slytherin kommst bist du böse 7:18 Harry ist nervöse wegen seinem neuen Lebensabschnitt 08:00 Geister 08:50 Die große Halle 09:30 schwebende Kerzen http://www.amazon.de/schwebende-Kerze-Zauberkerze-Harry-Potter/dp/B00BU5JARS 10:15 ein alter schmutziger Hut http://harrypotter.wikia.com/wiki/Sorting_Hat 11:00 in Muggle/Zauberer Familien wird nicht über Zauberei geredet 12:00 Mc Gonagalls Lebensgeschichte 13:15 Irrwichte http://harrypotter.wikia.com/wiki/Boggart 15:00 Lied des Huts1991 SongOh you may not think I'm pretty,But don't judge on what you see,I'll eat myself if you can findA smarter hat than me.You can keep your bowlers black,Your top hats sleek and tall,For I'm the Hogwarts Sorting HatAnd I can cap them all.There's nothing hidden in your headThe Sorting Hat can't see,So try me on and I will tell youWhere you ought to be.You might belong in Gryffindor,Where dwell the brave at heart,Their daring, nerve, and chivalrySet Gryffindors apart;You might belong in Hufflepuff,Where they are just and loyal,Those patient Hufflepuffs are trueAnd unafraid of toil;Or yet in wise old Ravenclaw,if you've a ready mind,Where those of wit and learning,Will always find their kind;Or perhaps in SlytherinYou'll make your real friends,Those cunning folks use any meansTo achieve their ends.So put me on! Don't be afraid!And don't get in a flap!You're in safe hands (though I have none)For I'm a Thinking Cap!17:31 Mehr Eigenschaften der Häuser mit Elementen, Farben, Geistern und Gemeinschaftsraum mit Einwurf zu vordsetztungs Büchern http://de.harrypotter.wikia.com/wiki/Hogwartshaus22:12 Cho und Luna http://harrypotter.wikia.com/wiki/Cho_Chang , http://harrypotter.wikia.com/wiki/Luna_Lovegood 24:00 Sirius und Phineas Nigellus Black http://harrypotter.wikia.com/wiki/Sirius_Black & http://harrypotter.wikia.com/wiki/Phineas_Nigellus_Black 25:30 Seamus Finnigan http://harrypotter.wikia.com/wiki/Seamus_Finnigan 25:47 Hutklemmer http://de.harry-potter.wikia.com/wiki/Hutklemmer#Hutklemmer_.28Informationen_von_Pottermore.29 27:00 Alle wissen das Harry nun in Hogwarts is 28:00 Harry setzt den Hut auf: Gryffindor oder Slytherin? 30:00 Drei Lieder des Sprechenden Huts http://harrypotter.wikia.com/wiki/Sorting_Hat 31:00 Ist der Sprechende Hut eine Person? 34:00 Ghost in the Shell https://de.wikipedia.org/wiki/Ghost_in_the_Shell 35:42 Harry Ron und Hermine kommen nach Gryffindor 36:40 Percy und Hermine 37:00 Prof. Quirrell und der “Fridge” (ein Fridge könnte wohl als Theory oder Frage zu bestimmten zusammenhängen oder Ereignissen in Medien gesehen werden. Oft geht es dabei um die Innere Logik der Geschichte und ob diese einer näheren Betrachtung standt hält.) http://tvtropes.org/pmwiki/pmwiki.php/Fridge/HarryPotter39:40 Neville und Erwartungsdruck 42:00 Seamus erzählt von seinen Eltern 42:15 Dumbledore eröffnet das Banket 43:00 Yorkshire Pudding https://de.wikipedia.org/wiki/Yorkshire_Pudding44:40 Dumbledors Rede und die Schulhymne Schulhymne EnglischHogwarts, Hogwarts,Hoggy Warty Hogwarts,teach us something, please,whether we be old and bald or young with scabby knees, our heads could do with filling with some interesting stuff,for now they're bare and full of air, dead flies and bits of fluff,so teach us things worth knowing, bring back what we've forgot,just do your best, we'll do the rest, and learn until our brains all rot48:00 Malfoy ist ohne zweifel ein Slytherin 51:20 Vertrauenschüler http://de.harry-potter.wikia.com/wiki/Vertrauensschüler 52:40 Peeves 53:00 Potrait der fetten Dame http://harrypotter.wikia.com/wiki/Fat_Lady 55:00 Schlafsaal 56:00 Traum 57:17 Nelson aus Simpsons https://en.wikipedia.org/wiki/Nelson_Muntz 57:50 Träumen 58:15 Reime und Tatortreiniger https://de.wikipedia.org/wiki/Der_Tatortreiniger 58:40 Harry Potter and the cursed Child, Prequal und Spin-off https://en.wikipedia.org/wiki/Prequel & https://en.wikipedia.org/wiki/Spin-off_(media) Hiden Track: Modisch mit Harry http://lookbook.nu/look/5628180-Etsy-Hogwarts-Shirt-H&M-Pants-Jacket-Vagabond

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Original Airdate: October 17, 2012. Video Available on Youtube. Gmia spits a rhyme.