Podcasts about promissory

This discussion is comprise three lectures covering the fundamental principles of contract law, from its origins and formation to the consequences of non-performance. The first lecture focuses on contract formation, detailing essential elements like mutual assent, offer, acceptance, consideration, capacity, and legality, as well as potential defenses. Building upon this, the second lecture explores contract interpretation, different standards for performance under common law and the U.C.C., the role of conditions, and the implications of breach, including anticipatory repudiation and the rights of third parties. Finally, the third lecture examines contract remedies, outlining legal damages (expectation, consequential, incidental) and equitable remedies (specific performance, injunctions, rescission), along with doctrines like restitution, quasi-contract, and defenses that can limit recovery.The four essential elements are mutual assent (offer and acceptance), adequate consideration, capacity, and legality.A bilateral contract involves an exchange of promises, becoming binding when promises are exchanged. A unilateral contract involves a promise in exchange for performance, becoming binding only upon completion of the requested act.The mirror image rule requires that an acceptance must exactly match the terms of the offer; any different or additional terms are considered a counteroffer, not an acceptance.The mailbox rule states that an acceptance is effective upon dispatch. Revocations, rejections, and counteroffers are effective upon receipt.Consideration is the value given in return for a promise, typically a bargained-for exchange of something of legal value.Promissory estoppel is an equitable doctrine where a promise is enforceable without consideration if the promisee reasonably relied on the promise to their detriment, and injustice can only be avoided by enforcing the promise.A void contract is unenforceable from the beginning, lacking legal force. A voidable contract is initially valid and enforceable but can be legally avoided or canceled by one of the parties.Defenses to contract formation include fraud, illegality, lack of capacity, mistake, duress, and undue influence.The primary purpose of expectation damages is to put the non-breaching party in the same economic position they would have been in had the contract been fully performed.Liquidated damages clauses are generally enforceable if actual damages were difficult to estimate at the time of contracting, the amount is a reasonable pre-estimate of likely loss, and the clause is not a penalty.

During today's conversation on Back Porch Theology we're wrapping up a 3-part series on Zephaniah in a series we called “The Theology of Compassionate Consequences”. It may initially sound like an oxymoron – a contradiction in terms - to pair the words “compassionate” and “consequences” together, kind of like “jumbo shrimp” or “act naturally” or “climb down”. It begs the question, “If God really is unconditionally loving, then why do we have to suffer consequences at all?” Here's the deal y'all, God's parameters aren't punitive or pejorative…they are always promissory and protective. Psalm 16:5 says it best, “His boundary lines for me have fallen in pleasant places.” Alli, Dr. Howard & I are so happy you've chosen to carve out this time to hang out on the porch with us, please grab a cup of coffee and your Bible, then feel free to lean back and put your feet up. This is a safe place to lean further into the unconditional love of our Creator Redeemer. Lisa Harper's Luke Study is available here.

The objective theory of contracts states that a party's intention to enter into a contract is judged by outward, objective manifestations (words and conduct) as interpreted by a reasonable person in the offeree's position, rather than the party's secret, subjective intentions. This differs from a purely subjective approach, which would focus on what the parties actually thought, potentially leading to uncertainty and difficulty in enforcement.The common law mirror image rule requires that the acceptance must precisely match the terms of the offer; any deviation constitutes a counteroffer. U.C.C. Section 2-207 modifies this for the sale of goods, particularly between merchants, by allowing a definite expression of acceptance to create a contract even with additional or different terms, unless those terms materially alter the agreement, the offer expressly limits acceptance to its terms, or the offeror objects.Valid consideration is a bargained-for exchange of legal value, where each party gives up something of legal value (a right, a promise, or an act) in exchange for something of legal value from the other party. For example, if Sarah agrees to sell her used car to John for $5,000, Sarah's promise to transfer the car and John's promise to pay the money both constitute valid consideration.Promissory estoppel, or detrimental reliance, allows a court to enforce a promise even without traditional consideration if the promisor makes a clear and unambiguous promise, the promisee reasonably and foreseeably relies on that promise to their detriment, and injustice can only be avoided by enforcing the promise. This might occur if an employer promises an employee a bonus upon retirement, and the employee retires in reliance on that promise.The typical categories of contracts falling under the Statute of Frauds include contracts for the sale of land, contracts that cannot be performed within one year, contracts in consideration of marriage, contracts to answer for the debt of another, and contracts for the sale of goods priced at $500 or more. These contracts are generally required to be in writing to prevent fraudulent claims and provide more reliable evidence of the agreement's terms given their significance or duration.Substantial performance occurs when a party has performed the essential purpose of the contract in good faith, but with minor deviations. The non-breaching party must still perform but may be entitled to damages for the minor defects. Material breach, on the other hand, is a significant failure to perform that defeats the essential purpose of the contract, allowing the non-breaching party to suspend their own performance and sue for damages.The primary goal of compensatory damages is to compensate the non-breaching party for the loss suffered as a direct result of the breach, aiming to put them in the same economic position they would have been in had the contract been fully performed. The two main types are direct damages (loss of the bargain) and consequential damages (foreseeable losses resulting from the breach). A limitation on consequential damages is that they must have been reasonably foreseeable to the breaching party at the time the contract was formed.Specific performance is an equitable remedy where a court orders the breaching party to fulfill their contractual obligations. It is typically granted only when monetary damages are inadequate to compensate the non-breaching party, such as in contracts for the sale of unique goods (e.g., rare artwork) or real estate, where each piece of property is considered unique.An intended beneficiary is a third party whom the contracting parties intended to benefit directly from the contract and has the right to enforce the contract against the promisor. An incidental beneficiary, on the other hand, is a third party who may indirectly benefit from the contract but was not the intended recipient of that benefit and does not have the right to enforce the contract.

Estoppel is a legal principle that prevents a party from asserting a claim or fact that contradicts a previous statement or agreement. Its primary goal is to ensure fairness and consistency in legal proceedings by preventing parties from deceiving or harming others who have relied on their earlier representations.Estoppel originated in the early equitable jurisdiction of common law courts. Judges of equity developed it as a remedy to prevent injustices that would occur if strict adherence to common law rules was enforced in certain situations.The three main forms of estoppel discussed are equitable estoppel, promissory estoppel, and judicial estoppel. Equitable estoppel arises from misleading conduct causing detrimental reliance. Promissory estoppel prevents reneging on a promise that induced detrimental reliance, even without a contract. Judicial estoppel prevents taking inconsistent positions in different legal proceedings.The essential elements commonly found in estoppel claims are a representation (or conduct), reliance by the other party, and resulting detriment to the relying party. Reliance is significant because it demonstrates that the party acted based on the representation, and the potential for injustice arises if the original party can then contradict that representation.Equitable estoppel arises when one party's misleading conduct or representations induce another party to act to their detriment. For example, if a landlord verbally assures a tenant that they can sublet their apartment, and the tenant then incurs costs finding a sublessee, the landlord might be estopped from later denying the tenant's right to sublet.Promissory estoppel prevents a party from breaking a promise, even if there's no formal contract, if the promisee reasonably relied on that promise and suffered a loss as a result. It differs from a formal contract because it doesn't require consideration. It might be invoked when enforcing the promise is necessary to avoid injustice due to the promisee's detrimental reliance.The purpose of judicial estoppel is to protect the integrity of judicial proceedings by preventing parties from "playing fast and loose" with the courts. Key requirements include the party having taken a specific position in a prior legal proceeding, that position being accepted by the court, and the party subsequently trying to assert a contradictory position in a later proceeding.The main function of collateral estoppel, or issue preclusion, is to prevent the re-litigation of specific factual or legal issues that have already been conclusively decided in a prior legal proceeding involving the same parties.One policy consideration underlying estoppel is fairness and justice. The doctrine aims to prevent opportunistic behavior by holding parties accountable for their representations when others have reasonably relied on them, thus promoting reliability and predictability in legal interactions.One criticism of estoppel is that its rigid enforcement might sometimes lead to unjust results, particularly if the party making the initial representation did so under duress, without fully understanding the implications, or if subsequent circumstances have significantly changed.

I. Contract Formation A contract requires offer, acceptance, and consideration. Offer: A clear expression of willingness to be bound, creating a reasonable belief that assent will finalize the deal. Advertisements are generally invitations to deal, not offers. Offers can be terminated by revocation, rejection, counteroffer, time lapse, or operation of law. Acceptance: Assent to the offer's terms. Under common law, the acceptance must mirror the offer exactly (mirror image rule). The Mailbox Rule generally makes acceptance effective upon dispatch. Acceptance must be communicated. Consideration: A bargained-for exchange of legal value, where each party gives something up. A preexisting duty is not sufficient consideration. Promissory estoppel can enforce a promise without consideration if there is detrimental reliance. II. Enforceability Defenses Statute of Frauds: Requires certain contracts to be in writing. These include contracts involving marriage, those that cannot be performed within a year, interests in land, promises by executors, sale of goods over $500, and suretyship. Exceptions include partial performance or promissory estoppel. Capacity: Minors, those with mental incapacity, and intoxicated individuals may lack capacity to contract. Contracts with minors are voidable by the minor. Illegality/Public Policy: Contracts to do something illegal or against public policy are void. Misrepresentation/Fraud: False statements can be a defense. Fraud is an intentional falsehood. Duress/Undue Influence: Contracts made under duress or undue influence are voidable. III. Contract Performance and Breach Performance Standards: Conditions: Events that must occur before performance is due. Can be express or implied. Common Law: Requires substantial performance. UCC: Requires perfect tender for the sale of goods. Breach: Material Breach (Common Law): Allows the non-breaching party to terminate the contract and sue for damages. Minor Breach (Common Law): The non-breaching party can seek damages, but must still perform their own obligations. Anticipatory Repudiation: When a party indicates they will not perform. The non-breaching party can treat this as an immediate breach. Installment Contracts (UCC): A breach in one installment only justifies canceling the contract if it substantially impairs the whole contract. Cure Rights (UCC): A seller who delivers non-conforming goods may have the right to correct the issue. IV. Remedies for Breach Monetary Damages: Expectation Damages: Aims to put the non-breaching party in the position they would have been in had the contract been fulfilled. Consequential Damages: Compensation for foreseeable indirect losses. Reliance Damages: Reimburses expenses incurred due to relying on the contract. Restitution: Restores any benefit conferred to the breaching party. UCC Specific Damages: Buyers can 'cover,' and sellers can resell goods to mitigate damages. Equitable Remedies: Specific Performance: Forcing the breaching party to fulfill the contract, usually for unique items. Injunction: Directing a party to do or not do something. Rescission: Cancels the contract, restoring parties to their original state. Reformation: Rewriting a contract to reflect the parties' true intent. V. Third-Party Rights Third-Party Beneficiaries: Intended Beneficiary: Has the right to enforce the contract. Incidental Beneficiary: Does not have the right to enforce the contract. Rights vest when the beneficiary relies on, assents to, or when contract conditions specify. Assignment and Delegation: Assignment: Transfer of contract rights. Delegation: Transfer of contractual duties, which is not allowed when personal skill is required. The delegator often remains liable unless a novation occurs. VI. UCC vs. Common Law Modification: Common law requires new consideration, UCC does not as long as it is in good faith. Firm Offers: UCC firm offers by merchants are irrevocable for a stated time (or up to three months) without consideration

Introduction to Contract Law: Contract law deals with legally binding promises. It establishes which promises are enforceable and how courts will handle breaches of those promises. Understanding contract law is essential in many areas of legal practice. Formation of a Valid Contract: A valid contract generally requires three elements: Offer: An offer is a clear expression of willingness to enter into a bargain, which justifies the other party's belief that their agreement will finalize the deal. It must be definite and certain, and a reasonable person would interpret it as an intent to be bound upon acceptance. Advertisements are generally not considered offers, but invitations to deal, unless they are very specific. Offers can be terminated by revocation, rejection, counteroffer, time lapse or operation of law. Acceptance: Acceptance is the offeree's agreement to the terms of the offer. Under common law, the acceptance must mirror the offer exactly. The Mailbox Rule generally states that acceptance is effective upon dispatch, unless otherwise specified in the offer. Acceptance must be communicated, except in special cases where silent acceptance is justified. Consideration: Consideration is a "bargained-for exchange of legal value". Each party must promise or do something they are not already legally obligated to do. The Preexisting Duty Rule states that performing an existing obligation is not sufficient consideration, with some exceptions. Promissory estoppel can sometimes enforce a promise even without traditional consideration, if one party relies on that promise to their detriment. Enforceability Defenses: Even with offer, acceptance, and consideration, certain defenses can render a contract void or voidable: Statute of Frauds: Certain contracts must be in writing to be enforceable. These include contracts related to: Marriage Year: Contracts that can't be completed within one year Land: Contracts involving the transfer of interest in real property Executors: Promises by an executor to pay a decedent's debt with personal funds Goods: Contracts for the sale of goods over $500 Suretyship: Promises to pay another's debt Capacity: Parties must have legal competence to enter a contract: Minors: Contracts with minors are generally voidable by the minor. Mental Incapacity: Contracts can be void or voidable if a party lacks the mental capacity to understand the transaction. Intoxication: Contracts can be voidable if a party is so intoxicated they can't understand the agreement, and the other party knows it. Illegality and Public Policy: Contracts with illegal subject matter or those that violate public policy are void. Misrepresentation, Fraud, Duress, and Undue Influence: Misrepresentation and Fraud: False statements can be a defense, with fraud being an intentional falsehood. Duress: Contracts formed under threat or pressure are voidable. Economic duress can also apply. Undue Influence: If there is a relationship of trust or dominance, taking advantage of the other party can be undue influence. Putting It All Together: Contract analysis involves a step-by-step approach: identify offer, acceptance, and consideration, then check for defenses. If a contract is valid, it then can be assessed for breach and remedies. Examples and Illustrations: The lecture provides examples to illustrate key concepts: Scenario A shows how a counteroffer terminates the original offer. Scenario B demonstrates how a minor can disaffirm a contract. Scenario C shows how partial performance can create an exception to the Statute of Frauds. Day One Conclusion and Preview: The lecture concludes by summarizing the elements of contract formation and key defenses. Day Two will discuss performance, breach, and remedies.

DEAR PAO: Principle of promissory estoppel | Jan. 17, 2025Visit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes Hosted on Acast. See acast.com/privacy for more information.

Learnings from 1,000+ Near-Death Experiences — Dr. Bruce Greyson, University of Virginia Dr. Greyson's research for the past half century has focused on the aftereffects and implications of near-death experiences and has resulted in more than 100 presentations to national and international scientific conferences, more than 150 publications in academic medical and psychological journals, 50 book chapters, and numerous research grants. He is a co-author After: A Doctor Explores What Near-Death Experiences Reveal about Life and Beyond. Watch this video at- https://youtu.be/o96LNLaiDsc?si=cnk873eUI7yGxE2t Tim Ferriss 1.6M subscribers 74,387 views Oct 24, 2024 The Tim Ferriss Show Follow Tim Ferriss on Twitter:    / tferriss   Follow Tim Ferriss on Instagram:    / timferriss   Like Tim Ferriss on Facebook:    / timferriss   [00:00] Preview [02:02] Dr. Greyson's scientific upbringing and his attraction to psychiatry. [05:15] Dr. Greyson's first encounter with a near-death experience (NDE) that changed everything. [12:21] Development of the NDE scale and its characteristics. [16:59] Challenges in studying NDEs and distinguishing genuine experiences. [18:37] Examples of NDEs and out-of-body experiences verified by third parties. [27:28] Attempts to explain NDEs through biological mechanisms. [32:44] Does the manner of someone's misadventure have a bearing on their NDE? [34:40] Prevalence and consistency of NDEs across cultures and time. [38:50] How new tools may deliver scientifically viable NDE evidence. [41:21] Promissory materialism. [43:45] Child vs. adult NDEs. [44:50] Studying brain activity during NDEs. [50:46] What's happening when people report seeing dead loved ones during NDEs? [52:20] What can research tell us about the practical applications of NDEs? [55:40] Are there reliable ways to simulate an NDE-like state? [59:30] What distinguishes a true out-of-body experience? [01:05:25] Mind vs. brain. [01:10:48] Dr. Greyson's career challenges and motivations for studying NDEs when few would. [01:14:00] Can studying twins find a genetic component to NDE susceptibility? [01:18:09] The difficulties of replicating out-of-body experiences in controlled settings. [01:23:05] The mysteries of terminal lucidity phenomenon. [01:25:30] The concept of time in NDEs. [01:27:38] Auditory hallucinations after NDEs. [01:29:32] Researchers who demonstrate open-mindedness and rigorous skepticism in NDE studies. [01:31:24] The irreducible mind concept. [01:32:27] Want to read Dr. Greyson's books? Start with After. [01:33:13] Common characteristics and after-effects of NDEs. [01:34:05] Parting thoughts.

In this episode of A Canadian Investing in the US, we discuss Brooke's transition from investing in Ontario to focusing on other regions and passive investing in the US. Leaving Ontario for Other Markets Brooke moved out of Ontario's real estate market due to challenges, including: Landlord-Tenant Board (LTB): Ongoing disputes and difficulties with enforcement, even when rulings favored landlords. Poor Cash Flow: High property values and refinancing often erased rental income. Airbnb Regulations: Changes in short-term rental laws created additional hurdles. Investing in Alberta and Beyond Brooke turned to Alberta for better cash flow, though it has become more competitive. She has also invested in Winnipeg, the US, and Asia: In Asia, investments were accidental (family-owned properties turned into rentals). US Passive Investing Brooke has consistently focused on passive investing in the US, including: Flips: Initially as an equity partner in Florida, Ohio, and Phoenix. Private Lending: Provided second mortgages, earning returns of up to 18%. Limited Partnerships: Transitioned to more secure structures for passive income. Lessons Learned Early deals were riskier but provided valuable experience. Promissory notes: Brooke no longer recommends these due to lack of security and risks in volatile markets. Preferred methods now involve secured lending (e.g., registered mortgages) to mitigate risks. Partner experience and deal details are critical in evaluating investment opportunities. Advice for Passive Investors Understand the market, the operator, and the deal specifics. Avoid blindly chasing high returns without assessing risks. Secure investments (e.g., registered mortgages) provide greater protection. Continuous learning and due diligence are essential to making better decisions over time.

Foundations of Promissory Estoppel Overview: This Podcast reviews the core concepts of promissory estoppel; an equitable remedy that enforces promises even when a formal contract is absent. The document draws upon the provided lecture excerpts, "Class Session: Foundations of Promissory Estoppel," to illuminate the definition, purpose, key elements, and real-world applications of this legal doctrine. What is Promissory Estoppel? "Promissory estoppel is an equitable remedy that allows courts to enforce a promise even when no formal contract exists." Unlike traditional contract law, which requires mutual consideration (an exchange of value), promissory estoppel focuses on protecting parties who reasonably rely on a promise to their detriment. Purpose: The doctrine aims to prevent injustice and maintain trust in informal agreements. It recognizes that reliance on a promise can create significant harm if the promise is broken, regardless of formal contractual obligations. Key Elements: For promissory estoppel to apply, four elements must be present: A Clear and Definite Promise: The promise must be unambiguous, leaving no room for interpretation. Vague statements or suggestions do not qualify. "If the supervisor says, ‘If you complete this project successfully, you will be promoted,' that is a definite promise." Reasonable and Foreseeable Reliance: The promisee's reliance on the promise must be both reasonable and something the promisor could have anticipated. "The landlord should have anticipated that the tenant would act on the promise." Detrimental Reliance: The promisee must suffer a tangible loss (financial, missed opportunities, etc.) due to their reliance on the promise. "In our tenant example, the cost of renovations represents a detriment." Injustice Without Enforcement: The court must determine that allowing the promisor to break the promise would result in an unfair outcome. "Courts evaluate whether enforcement of the promise is necessary to prevent unfairness or harm to the promisee." Landmark Case: Ricketts v. Scothorn This 1898 case is a cornerstone of promissory estoppel. A grandfather promised his granddaughter money so she wouldn't have to work. She quit her job, relying on the promise. The court ruled in her favor, despite the lack of formal consideration, as her reliance and detriment were significant. Applications of Promissory Estoppel: The lecture provides examples of promissory estoppel in various contexts, including: Landlord/Tenant Disputes: A landlord promising fixed rent in exchange for tenant renovations. Charitable Pledges: A donor withdrawing a substantial donation after a non-profit has incurred expenses in reliance. Employment Promises: An employer rescinding a job offer after an employee relocates based on the promise. Familial Agreements: A parent failing to fulfill a promise of financial support for a child's education. Significance and Conclusion: Promissory estoppel serves as a bridge between strict contract law and equitable remedies. It protects vulnerable parties from unfair harm caused by broken promises and promotes fairness in legal proceedings. The doctrine is flexible, adapting to various contexts while demonstrating the law's capacity to address the nuances of human interactions. --- Support this podcast: https://podcasters.spotify.com/pod/show/law-school/support

***Guest AppearanceCredits to:https://www.youtube.com/@TheSourceCRE "Finding Investment Capital in Private Money with Jay Conner"https://www.youtube.com/watch?v=MV3Ed6buyfI&t=26s  In a recent Raising Private Money podcast episode, Jay Conner joins Jonathan Hayek, a former teacher turned commercial real estate investor, they share invaluable insights about private money lending. Their discussion shed light on practical strategies, community involvement, and building trust-based relationships to secure private money for real estate deals.Emphasizing Simplicity and FlexibilityNo-Penalty Approach: A Win-Win SituationJay Conner highlighted the simplicity and flexibility of his private money program. Unlike traditional banking systems, his approach eliminates penalties for early repayments by lenders. Over the years, he has had only two small notes called due early due to medical emergencies. This flexibility benefits lenders who prefer to keep their money generating returns rather than having it returned prematurely. Jonathan Hayek concurred, noting that his lenders also favor keeping their money invested for continued financial benefits.Securing Loans: Importance of Legal DocumentsPromissory Notes, Trust Deeds, and MortgagesA pivotal aspect of securitizing loans involves proper documentation. Jay explained the roles of promissory notes, deeds of trust, and mortgages in protecting both lenders and borrowers. Promissory notes capture all loan specifics, such as borrower details, loan amounts, interest rates, and payment schedules. Deeds of trust or mortgages grant lenders the authority to foreclose if borrowers default. Adding further layers of security, Jay emphasized adding lenders on insurance and title policies. These additional protections ensure that both parties' interests are safeguarded, making the investment process transparent and trustworthy.Identifying Suitable BorrowersUnderstanding Who Should and Should Not BorrowJonathan Hayek queried Jay about scenarios where private money lending might not be appropriate. Jay addressed the question thoughtfully. Not every individual or situation aligns with private money lending. Traditional banking or hard money loans might be more suitable for some. Jay cautioned against borrowing private money without a thorough understanding of real estate. Investors must comprehend property valuation, management, and rehabbing, making decisions based strictly on mathematics rather than emotions.Building Thriving NetworksLeveraging Business Networking International (BNI)One of the keys to Jay's success in securing private money has been his involvement with Business Networking International (BNI). BNI's structure allows only one representative per profession in each chapter, fostering trust and encouraging referrals. By joining BNI as a real estate investor, Jay unlocked the potential of a robust network quickly, securing millions in private money.Community Involvement: A Trust BoosterPrinciple of "Givers Gain"Jay and Jonathan underscored the importance of community involvement in gaining trust and attracting private money. Engaging with local organizations like the Chamber of Commerce, Rotary Club, church groups, and Real Estate Investing Associations (REIAs) not only builds visibility but also trust. The principle of "givers gain" is central; by serving and giving to the community, individuals earn trust, making it easier to forge investment relationships. Jay's active volunteering and consistent networking have established him as a reliable and giving individual, hence attracting significant private investments.Consistency in Lending Terms

In this episode of RaiseMasters Radio, Adam Carswell interviews Marci Surfas, a developer and operator specializing in luxury flips in Laguna Beach, California, and luxury student housing in New Orleans. Marci discusses her recent successes, including the launch of Veranda Fund One, raising $2 million, and stepping into the coaching world with a new 15-week small group coaching program. She shares her top capital-raising tips, insights on scaling a real estate business, and the power of social media in attracting high-net-worth investors. Resources mentioned in the episode: Marci Surfas Veranda Capital Website Personal Website Facebook Instagram Interested in investing with Asym Capital? Check out our webinar.   Please note that investing in private placement securities entails a high degree of risk, including illiquidity of the investment and loss of principal. Please refer to the subscription agreement for a discussion of risk factors. Tired of scrambling for capital?  Check out our new FREE webinar -  How to Ensure You Never Scramble for Capital Again (The 3 Capital-Raising Secrets). Click Here to register.   CFC Podcast Facebook Group

During today's conversation on Back Porch Theology we're talking about this engaging, exciting, captivating, compelling, LIFE-GIVING, divine love story we call the Bible. Far too many of us have sat under pastors, priests, teachers, and spiritual leaders who've communicated God's Word with the same level of passion a court reporter has when recording HOA litigation over a homeowner's grass being one half of an inch above the neighborhood standard. While others of us have had the imperatives in God's Word applied to our lives in such punitive ways that we can't help thinking of it as a rigid book of rules that we'll surely get whacked over the head with. However, both of those extremes are gross misuses of the Bible – it was never intended to be used primarily for discipline or for memorizing religious data, and it's not just a collection of morality tales like Aesop's Fables, either. From the very beginning, Scripture invites and impels us to lean into a real, loving relationship with God. Just as He breathed air into Adam's lungs to jumpstart humanity, He breathed these words into being so that we could have LIFE and have it more abundantly. If you've secretly thought the Bible was a wee bit boring, or maybe just inscrutable like those teensy-weensy printed directions regarding how to set up your new Wi-Fi router, today's episode is going to be a Little Mermaid moment for you – it's going to open you up to a whole new world! So please grab a cup of iced coffee and your Bible – unless you've got both hands full trying to recoil the garden hose that your teenager put back on the reel all wonky and lopsided! – and come hang out on the porch with us.The Adventure Bible is available here.Purchase Storyteller from Lifeway here.Click here to get a 25% discount on the Dwell Bible App.

In this episode of "Coffee with Ken," Ken Dunn as he discusses the HUGE Risks of using promissory notes for funding real estate projects. Learn about the potential risks and the importance of following strict regulations in Canada. You will learn about the nature of promissory notes and why they might pose significant risks to your real estate investments. Ken explains the legal requirements necessary for raising capital for real estate investments. Ken has been hearing all kinds of real estate coaches who are teach people to use Promissory Notes. His advice is simple: DO NOT DO IT! Watch the video to find out Why! If you want to hear from a real Securities Lawyer in Canada, then watch this video of a Panel Discussion with Doug McCartney, a Partner with https://cassels.com/, watch this video: https://youtu.be/KSNSE_LXA4k?si=mMamPM_ILEkwWJin If you want to learn more about the Investor's Growth Syndicate, watch this YouTube Video: https://youtu.be/mLCoE2Nzr4s?si=bsjeRiXOpjh0PtFa   Ontario Securities Commission: https://www.osc.ca Alberta Securities Commission: https://www.asc.ca/ BC Securities Commission: https://www.bcsc.bc.ca/   *This is NOT financial advice. Contact and discuss any finance and investing regulations with your lawyer and/or proper council. #realestateinvesting #canadarealestate #kendunn #kendunncdv #raisemoney #investments

Meet Shawn Quigg, a seasoned real estate investor turned lawyer and entrepreneur, who embarked on his journey from London to Windsor, honing his expertise in law and real estate before founding ProsperUs Law, Ontario's sole firm dedicated solely to assisting real estate investors, all while enjoying sports, craft beer, and the company of his partner, Amber, and their dog, Pluto.In this episode, Shawn shares about:The intricacies of real estate partnerships, contracts, and promissory notesImportance of distinguishing between joint venture agreements and shareholder agreements, likening the former to dating and the latter to marriage due to their different levels of commitment and complexity.Significance of contracts, the need to establish clear dispute resolution mechanisms, and finalize agreements when relationships are amicable.Process of stress testing potential partners by gauging their response to adversity, ensuring they can afford to bear risks, and preferably have prior experience in real estate investing.How communication is identified as a critical component in maintaining successful partnerships, with transparency and accountability being essential.Promissory notes as potential tools for financing real estate deals, but it's clarified that they cannot be registered on title in Ontario, necessitating alternative security measures.His expertise and assistance to real estate investors across Ontario aim to help them navigate legal challenges and mitigate risks effectively.About ShawnShawn is a real estate investor, lawyer for real estate investors, and entrepreneur. He called London and the area home until he finished his first round of schooling at the school formerly known as the University of Western Ontario when he traversed off to Toronto to work in immigration enforcement. Called to something more impactful, Shawn moved to Windsor to study law. This is where his real estate investing journey took off – inadvertently first and gradually with purpose. Shawn has since become a lawyer, practicing on Bay Street for a while, later moving to a smaller firm to focus on helping real estate investors before launching his own firm – ProsperUs Law – in July of 2023. ProsperUs Law is the only firm in Ontario that only helps real estate investors.Connect with ShawnInstagram - https://www.instagram.com/prosperuslawFacebook - https://www.facebook.com/prosperuslawConnect with Danielle ChiassonWebsite: https://strategicsuccessconsulting.comLinkedIn: https://www.linkedin.com/in/daniellechiasson/Facebook: https://www.facebook.com/DaniChiassonInstagram: https://www.instagram.com/letsgetrealTikTok: https://www.tiktok.com/@danichiassonBook in a call: https://calendly.com/strategicsuccess/lets-get-real-estate-20-min-chat Listen in and subscribe for more.You can also leave us a review and of course, don't forget to share. I'm sure there are real people in your network who can take advantage of what they're going to learn from the show.Interested in becoming a guest on the show? Email admin@letsgetrealpodcast.com with the Subject: I want to be a guest! OR simply fill out: https://letsgetrealestatepodcast.com/be-a-guest/.

Episode 102 - Real Estate Exam Questions: Real Estate Finance, Lending & Math, Part 1 Going through state exam questions to help real estate students pass their state exam.   02:05 – B's Message: Making mistakes is better than faking perfection. 06:30 – List of recent grads: Andrea, Joyce, Lynn, Adrienne, Abigail, Jessica, Angela, Sara, Marquita, Kimmy, Bruno, Eric, Jennifer, Rina, Daisy, Sabrina, Shauna, Marie, Anne, Renae, Staci, Samantha, Joey, Steven, Barbara, Tina, Elizabeth, Karen, Ashley, Lewis, Veronica, Adam, Delaney, Dianna, Claudia, Bryant, Perry, Melissa, Sheila, Tina, Frank, Lane, Daniel, and Jade. 08:30 – Listener Message from Andrea 12:20 – Episode Focus: Finance and lending in real estate, part one. Part two will come out in June. 14:00 – PITI payment; Principal, Interest, Taxes, and Insurance. 18:15 – DTI; Debt to Income ratio. 21:35 – Promissory note; IOU; contract between the borrower and the lender. 24:10 – Mortgage – verb and noun (lien); hypothecation; mortgagor and mortgagee; lien theory versus title (trust) theory. 31:55 – Interest payments; Formula: Loan amount x Periodic Interest Rate = Periodic Interest Payment; interest rate is almost always expressed as an annual rate. 37:40 – Discount point; increases yield to lender; reduces interest rate paid by borrower; value of a discount point; Formula: Loan Amount x Discount Point (as a percent) = Cost of Discount Point. 46:55 – Mortgage clauses: acceleration clause, defeasance clause (satisfaction of mortgage), and alienation clause. 52:15 – Foreclosure: judicial versus non-judicial; deed in lieu of foreclosure; short sale; redemption (equitable right versus statutory right); deficiency judgement. 1:00:25 – Exam questions 1:34:20 – June episode is part 2; LTV (loan to value), loan types, and governmental regulations (RESPA and TILA).   Go to www.ahareep.com and sign up for the program for only $35, use discount code: legendary15 to save 15% off.   Go to www.indianarealestateinstitute.com for Indiana real estate classes.   A-Ha LINKS   Email info@ahareep.com   Web www.ahareep.com   Facebook https://www.facebook.com/AHA.REEP   YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A

Today's episode dives into the realm of promissory notes / alternative investments where you are generally earning a fixed interest rate. These provide stable monthly or quarterly income but no tax benefits.Learn more about Zach Zimmer here: https://realzachzimmer.comCheck out all the other MPI Podcast Network Shows: https://masterpassiveincome.com/networkReal Estate Coaching with Charles and William: https://masterpassiveincome.com/coaching//BEST REAL ESTATE INVESTING RESOURCE LINKSStart your LLC for only $29! https://masterpassiveincome.com/formanllcGreat High Interest Savings Account: https://masterpassiveincome.com/citGet your business bank account here: https://masterpassiveincome.com/baselaneGet your business credit card with 2% Cash Back with NO FEE! https://masterpassiveincome.com/amexSelf Directed IRA for Real Estate Investing: https://masterpassiveincome.com/rocketdollarLearn more about Zach and Dustin and find resources to build an automatic real estate investing business: https://masterpassiveincome.com/NOTE: This description may contains affiliate links to products we enjoy using ourselves. Should you choose to use these links, this channel may earn affiliate commissions at no additional cost to you. We appreciate your support!

Mortgage Financing Online Workshop Saturday April 6th 2024 Co-Hosted by Keaton Kirkwood mortgagefinancingworkshop.eventbrite.ca   Joint Venture Focus Workshop Saturday April 27th 2027 Co-Hosted by Barry McGuire https://barrymcguire.ca/shop/jv-focus-workshop/   Interested in joining the REI Masters Mentorship Program? Head to www.reimasters.ca Or email us at info@reimasters.ca   Got a question you'd like answered on the show? Email us at info@reimorningshow.com

Mortgage Financing Online Workshop Saturday April 6th 2024 Co-Hosted by Keaton Kirkwood mortgagefinancingworkshop.eventbrite.ca   Joint Venture Focus Workshop Saturday April 27th 2027 Co-Hosted by Barry McGuire https://barrymcguire.ca/shop/jv-focus-workshop/   Interested in joining the REI Masters Mentorship Program? Head to www.reimasters.ca Or email us at info@reimasters.ca   Got a question you'd like answered on the show? Email us at info@reimorningshow.com

Mortgage Financing Online Workshop Saturday April 6th 2024 Co-Hosted by Keaton Kirkwood mortgagefinancingworkshop.eventbrite.ca   Interested in joining the REI Masters Mentorship Program? Head to www.reimasters.ca Or email us at info@reimasters.ca   Got a question you'd like answered on the show? Email us at info@reimorningshow.com

Found documents (eg, promissory notes) that show a lien on property - in the Gemara's commentary on the mishnah, trying to determine the specifics of the case of the mishnah. Plus, the impact of the case of the loan - where the document calls it into question. Plus, R. Eleazar and R. Yochanan dispute how to understand the dispute between R. Meir and the sages, about the promissory note.

On today's show we discussed the hundreds of millions of dollars in unsecured promissory notes that are going unpaid as well as the new changes to international student study permits announced by the Government of Canada.   REI Masters Calgary Networking Event February 4th 2024 - FREE Register at https://fb.me/e/54uOH6gcw   Interested in joining the REI Masters Mentorship Program? Head to www.reimasters.ca Or email us at info@reimasters.ca   Got a question you'd like answered on the show? Email us at info@reimorningshow.com   1 on 1 Coaching Call with Wayne Hillier: 30 minutes - https://calendly.com/wayne-hillier-coaching/30-mins 60 minutes - https://calendly.com/wayne-hillier-coaching/60-mins

Today you're going to learn how to invest in real estate using none of your own money and no JV partners. My guests are Mel and Dave Dupis, creative funding experts who have a mix of all types of commercial and residential properties. We will also dive into scaling your business, exit strategies, mindset and so much more. [00:00 - 06:54] - Mel and Dave's Intro to Real Estate Started out working multiple jobs and buying properties traditionally Discovered they couldn't grow quickly enough saving for down payments Interviewed successful real estate investors and created a plan [06:55 - 22:32] - Types of Creative Financing Strategies Favorites are seller financing (carry backs) and using self-directed retirement funds Seller financing allows flexibility to meet seller's needs in exchange for purchase financing Self-directed IRAs / 401Ks can be used to fund real estate purchases Promissory notes help cover deposits, down payments, rehabs, and closing costs [22:33 - 31:34] - Building the Right Real Estate Team Property managers are key for finding pocket listings from sellers Investor-focused real estate agents understand numbers and creative finance Ask probing questions to vet real estate team members' experience Managed their own properties at first to understand property management [31:35 - 36:14] - Buying International Real Estate They've purchased properties in the U.S., Canada, Costa Rica using creative financing With the right team, can quarterback international deals from anywhere Made over $100K on a Costa Rica deal with no money down [36:15 - 46:26] - Avoiding Common Investor Mistakes Don't overspend or inflate lifestyle before long-term wealth is built Prioritize property purchases over luxuries in beginning Have a budget and savings buffer for unexpected expenses Maintain oversight and understanding even with property managers   Get In Touch With Mel & Dave: Website YouTube Facebook Instagram LinkedIn TikTok   Key Quotes: “If ever something happens, we'll sell our house before we don't pay back an investor because we can always buy a house, but we can never buy back our reputation.” - Dave Dupis   "We were literally trading our time for money, and although the book didn't show us how to do it, it made us realize that we're doing it all wrong and that there's an easier way to do this." - Mel Dupis   WANT TO LEARN MORE? Connect with me through my website, Instagram, and LinkedIn   Or you can send me an email at sharon@sharonvornholt.com    Be sure to check out the Louisville Gals Real Estate Blog and my course Probate Investing Simplified.   Learn more about this podcast on iTunes, or Stitcher.   If you liked my show, please LEAVE AN HONEST REVIEW, like, and subscribe!  

Welcome to the Investor Dave Show! In this episode, we'll explore the incredible potential of promissory notes in real estate investing. These contractual agreements offer a flexible way to secure funds for various aspects of your real estate deals, from deposits and closing costs to renovations and carrying costs.

3.1 Definition and Importance of Consideration. Consideration is a fundamental concept in contract law that involves the exchange of something of value between the parties as a prerequisite for a valid contract. Law students should delve into the characteristics and importance of consideration: a) Bargained-for Exchange: Consideration requires a mutual exchange where each party gives something of value in return for the promise or performance of the other party. b) Legal Sufficiency: The consideration exchanged must have legal value, which can include money, goods, services, a promise to perform, or a promise to refrain from doing something. c) Adequacy of Consideration: Courts generally do not inquire into the adequacy of consideration, meaning that the value exchanged does not need to be equivalent. However, grossly inadequate consideration or instances of fraud could be relevant. 3.2 Exceptions: Promissory Estoppel. Promissory estoppel is a doctrine that allows a promise to be enforced even if there is no valid consideration. Law students should understand the elements of promissory estoppel and its application: a) Clear and Definite Promise: The promise made by one party must be clear, definite, and reasonably relied upon by the other party. b) Reliance: The promisee must have reasonably relied on the promise to their detriment. c) Injustice: Enforcing the promise is necessary to prevent injustice or unconscionable behavior. 3.3 Landmark Case: Ricketts v. Scothorn (1898). The case of Ricketts v. Scothorn provides an illustration of the principle of promissory estoppel. In this case, a grandfather promised his granddaughter a sum of money. The granddaughter relied on this promise to her detriment by quitting her job and making arrangements based on the expected funds. When the grandfather later refused to fulfill his promise, the court held that promissory estoppel applied, and the granddaughter was entitled to the promised sum due to her reasonable reliance. 3.4 Conclusion. A solid grasp of consideration and its role in contract law is essential for law students. By understanding the concept of bargained-for exchange, legal sufficiency, and the exceptions such as promissory estoppel, students can navigate the complexities of contract formation and identify situations where valid consideration may not be present, yet a promise can still be enforced. --- Send in a voice message: https://podcasters.spotify.com/pod/show/law-school/message Support this podcast: https://podcasters.spotify.com/pod/show/law-school/support

For a limited time, Norada Capital has a Special Offer. We are offering a 2% bonus interest on our already attractive 12% and 15% per year interest Promissory Notes. This provides you up to 17% interest PER YEAR with monthly interest payments directly into your bank account. This is also perfect for your self-direct retirement accounts like IRAs and 401ks. Visit our website for more information, and to book an appointment at NoradaCapital.com Or you can get your Promissory Note right now at: NoradaCapital.com/Profile

X2M-123 NORTHLAND Didn't even realize until now that where I would have picked up today in Zechariah spoke of the Northland… “”You there! Flee from the northland!” says the Lord, “for like the four winds of heaven I have scattered you,” says the Lord. “Escape, Zion, you who live among the Babylonians!” For the Lord who rules over all says to me that for his own glory he has sent me to the nations that plundered you – for anyone who touches you touches the pupil of his eye. “I am about to punish them in such a way,” he says, “that they will be looted by their own slaves.” Then you will know that the Lord who rules over all has sent me.” Zechariah‬ ‭2‬:‭6‬-‭9‬ ‭ “The Lord again asked me, “What do you see?” I answered, “I see a pot of boiling water; it is tipped toward us from the north.” Then the Lord said, “This means destruction will break out from the north on all who live in the land. For I will soon summon all the peoples of the kingdoms of the north,” says the Lord. “They will come and their kings will set up their thrones near the entrances of the gates of Jerusalem. They will attack all the walls surrounding it, and all the towns in Judah.” Jeremiah‬ ‭1‬:‭13‬-‭15‬ “I will remove the one from the north far from you. I will drive him out to a dry and desolate place. Those in front will be driven eastward into the Dead Sea, and those in back westward into the Mediterranean Sea. His stench will rise up as a foul smell.” Indeed, the Lord has accomplished great things.” Joel‬ ‭2‬:‭20‬ “And you said in your heart, I will ascend to heaven; I will exalt my throne above the stars of God; I will sit upon the mount of assembly in the uttermost north.” Isaiah‬ ‭14‬:‭13‬ Glorification | The Final Frontier Going Boldly Where The Last Man has Gone Before! Decrease time over target:  PayPal or Venmo @clastronaut Cash App $clastronaut

THIS IS NOT LEGAL ADVICE  Myron Rice recorded 10/14/2018 listen and learn 

Welcome to Blockstream Talk, today, we're talking to Tomás Alvarez, CEO and Co Founder of Mifiel. Thomas and his team are using the Liquid Network as issuance technology for promissory notes in Mexico. This promissory note market is big not only in Mexico but across Latin America. It's really interesting to see Liquids solve for some of the inefficiencies in the market. Streamlining the issuance process, facilitating cross border transactions, and then those benefits pulling in mainstream institutional investors. This is the direction markets are evolving. If you found this conversation useful, don't forget to subscribe and share. 0:00 Introduction 01:05 The fundamental problem Mifiel is trying to solve 01:38 What is a promissory note and what kind of people are using 04:27 Other markets that utilize promissory notes 06:13 Dealing with challenges in technology adoption 07:57 Utilizing the Liquid Network for tokenization 9:52 Dealing with regulations and licensing considerations 11:17 Secondary market trading of promissory notes 16:02 Decentralization and promissory notes 19:53 Quantity of promissory notes issued by Mifiel 20:43 Interest rates on promissory notes 23:24 Demand for promissory notes 25:03 Handling defaults on promissory notes 26:47 Reasons for issuing on the Liquid Network 32:52 Short term outlook for Mifiel 37:09 Benefits of tokenization

Welcome to the third conversation in a Portals series that is taking on a life of its own and leading us to deeper, more profound and sometimes surprising insights than we could have expected. “Current Openings — What the World Doesn't Quite Get Yet” is a new collaboration with David Price Francis, author, spiritual teacher and co - founder of Energy Worlds . David joins Aviv Shahar to explore what's appearing in the “current,” or flow, of new intelligence and evolutionary possibility emerging across humanity and the planet. The ease and depth of Aviv and David's first conversations have the nature of what is sometimes called a promissory grace — an extra measure of energy, inspiration and strength that boost the beginning of a purposeful endeavor. The grace, which some might see as beginners' luck or a higher blessing, carries the promise of ongoing enhancement in facing whatever challenges may arise on the journey.In Current Openings we explore ways to reconnect and re - naturalize to the higher intell igence, capabilities and creative power that should naturally flow through human life. It's relying less on digital technology for solutions to a world in multiple crises, and looking instead to activate our natural inner technology and capacity for true h ealing, growth and transformation.A few of David and Aviv's insights and ponders: The mystical is not truly about the escape from life but the embrace of the invisible potential of life; not escaping to fantasy but escaping to reality. An esoteric dimensi on is the bride and groom on their wedding night who receive promissory grace and permission to be rewired in the presence of the new union. Moving beyond the promissory grace means beginning to play with a greater grace of being joined to a greater purpose. There's enough new silicon technology in the world; we're focused on activating the internal carbon technology given to us as a promissory grace by creation. People today are largely occupied not by creating their future, but by multiple programs running in the background, most of which concern survival in a modern world. We're bombarded with how other people want us to think and believe. Part of the joy of working with natural laws is that they're not created by a human. We're not looking to give soluti ons, but to actually get all the way inside the real predicament facing humanity and have the solutions appear, connected to universal energies. Someone may say to me, well, do you think there may be aliens living on planet Earth? I've heard myself say, "Well, yes, and we're the aliens." This conversation is part of the continuing Portals discovery into what is emerging on the frontiers of human experience in this time of profound change. Information about upcoming special events can be found on the Events page. Also visit and subscribe to our YouTube channel. TWEETABLE QUOTES“We're not doing a short hop from point A to point B; we're actually doing a long - haul flight, and we're looking at this as a longer term not only for projects, but we're actually looking at it as a real journey to get to the esoteric truth of things.” ( David )“So, when it comes to just a brief comp arison with the rest of organic life, all other parts of organic life know fully what they are, and they fulfill their, I call it, their universal template.” ( David )“Your identity isn't based on one particular polarity or the other. You're able to use them like the right and left hand, and this is part of an ongoing development. I think of a kind of a being - human skill set.” ( David )“The internal abilities that we have, which we see flashes of in dynamics to do with surveillance, can do amazing memory feats or amazing mathematical feats. This is all part of the capability of our brains. If one person can do it, the potential is there. So, there are incredible abilities. The last unexplored continent is ourselves.” ( David )“So, we're in the process of helping ourselves and then helping others come closer to a current opening into the truth of our human situation. That's our endeavor, and the reality of that is to be discovered over the course of the current openings. But that's our endeavor.” ( David ) RESOURCES MENTIONED Portals of Perception WebsiteAviv's LinkedIn Aviv's TwitterAviv's Websitehttps://energyworlds.com/https://portalsofperception.org/portals/current-openings-series/ 

Ep #27 PT 1: Multifamily Investing- How to make Investment Loans work for you- With Tim Herriage| St. Louis, USA Tune into the inspiring, Level Up- Real Estate Investing Podcast , the #1 source for the best real estate investing tips where Robert Heyder talks with Tim Herriage on Multifamily investing and How to make investment loans for you!  Outline of what we discuss:  Single Family & Multifamily Syndication Where the market is headed Multifamily Deals Investment Loans Follow my instagram to stay up to date;  @robert_heyder

In this episode of Anderson Business Advisors, Toby Mathis speaks with attorney Brent Nelson, partner at Rimon Law in San Franciso. Brent helps his clients understand, improve, and protect family structures that include trusts, business entities, private investments, charitable giving, and family governance. He is an established and respected thought leader in his field, and hosts the popular Wealth and Law Podcast. You'll hear Toby and Brent discuss a wide variety of scenarios and situations surrounding trusts – who should have them, how they can benefit you, and all the things they can't do.  People out there will try to tell you that you can avoid paying taxes by utilizing a trust, but as Brent and Toby explain, the IRS and the courts will usually always win, and they will eventually get what you owe.  In fact you may even be paying more taxes than necessary with some trusts.  In the end, you won't get out of paying the taxes you owe, and you may just complicate your life by stashing your money in certain kinds of trusts, especially those promoted by less-than-scrupulous individuals. Highlights/Topics: Trusts are not a way to avoid paying taxes - grantor trust rules Only certain trusts can own S-corp stock A “three-trust mechanism” – is it valid? When you should use a trust and its benefits? Promissory notes for stocks in trust Making sure trusts allow the client to live the lifestyle they are used to Non-US citizens/non-residents cap has been $60,000 since the 1930s If you have a green card, you can be taxed and fall under the $12M cap Canada's exit tax Setting up a simple living or revocable trust is advisable no matter how little money you have Fund-promoted trusts in foreign jurisdictions – be very suspicious - you don't save taxes, it's just more complicated Resources: Brent Nelson LinkedIn https://www.linkedin.com/in/brent-nelson-0a485ba/ Wealth and Law Podcast https://wealthandlaw.com/category/podcast/ Wealth and Law Twitter https://twitter.com/wealthandlaw?lang=en Wealth and Law Facebook https://www.facebook.com/wealthandlaw/ Rimon Law Website https://www.rimonlaw.com/ Anderson Advisors https://andersonadvisors.com/ Anderson Advisors on YouTube https://www.youtube.com/channel/UCaL-wApuVYi2Va5dWzyTYVw

In this episode, Cash Flow King discusses an investment opportunity he's considering via promissory notes.Questions, Comments, or Show Ideas?Email the show: RealTalkPersonalFinance@gmail.com Get Free Delivery on Your First Instacart Order of $35+ with this link.Interested in starting your own podcast? Get a $20 Amazon giftcard with this link!

If you would like to discuss legal topics in person, join Law Schoolers Pro at https://lawschoolers.com/join/Disclaimers:1. Nearly all of our episodes are unedited. We want to give you raw footage which means that there will be bumps, dings, and some pops.2. The information contained in these episodes are for educational purposes only, not to be used as legal advice.3. If the information is used as legal advice, Law Schoolers is not liable for any legal outcomes.

This podcast by Professor Jennifer S. Martin will focus on certain sale transactions that might not satisfy § 9-203's elements for attaching a security interest but nevertheless fall within the definition of a security interest. These transactions create a security interest due to the form of the transaction, in this case sales of accounts, chattel […]

This week on Legally Speaking with Michael Mulligan:Promissory estoppel is an equitable doctrine that can protect a claimant's reasonable reliance on another person's word. It is intended to avoid unfairness by enforcing promises. In a case discussed on the show, a judge needed to determine if either promissory estoppel or another equitable doctrine called unjust enrichment should result in a farm being given to a man who had worked on it for many years with the expectation that he would receive it when the owner passed away. Starting in the 1970s, the farm owner made various remarks that caused the man who worked on the farm without formal pay to believe he would inherit it when the owner passed away. The remarks included things such as anyone who worked on the farm would get a piece one day and that he hoped the man who worked on the farm would be ready to fight for it one day. Ultimately, the owner of the farm, who never married and had no children, decided to leave it to a neighbour with whom he had a long-term friendship. To succeed with a claim of promissory estoppel, there are three starting requirements: 1. a representation or assurance is made to the claimant, on the basis of which the claimant expects to enjoy some right or benefit over property;2. the claimant relies on that expectation by doing something or not doing something, and that reliance is reasonable in all the circumstances; and3. the claimant suffers a detriment from this reliance, such that it would be unfair or unjust for the party responsible for the representation or assurance to go back on their word. While the representation or assurance can be express or implied, the judge hearing the case concluded that the remarks made by the farm owner over the years were too ambiguous to make out the claim. The judge also dismissed the claim based on unjust enrichment. This kind of claim also has three initial requirements:1. the respondent was enriched;2. the claimant suffered a corresponding deprivation; and3. the respondent's enrichment and the claimant's corresponding deprivation occurred in the absence of a juristic reason. The judge concluded that the man who worked on the farm did so based on an informal arrangement whereby the man would provide labour, and the farm owner would reciprocate with occasional gifts or payments without any expectation that the value of the work or gifts would be commensurate. Also, on the show, a successful claim for defamation based on Google and Yelp reviews is discussed. The case involved a customer who had a dispute with a small cedar products company concerning the purchase of some building material.  The unhappy customer posted negative reviews on Google and Yelp, making false allegations that the company had defrauded and scammed him when this was not true. The judge concluded that all the elements of defamation had been proven and awarded that cedar products company $90,000 in damages. Follow this link for a transcript of the show and links to the cases discussed. 

Kevin Attride answers your listener questions with the help of Ed Babtkis of Ross Diversified Insurance Services.   Get a VIP connection to Ross Diversified Insurance Services and the rest of our experts! ➡️ https://InvestingSecrets.tv/VIP   Subscribe and listen to Investing Secrets: ➡️ YouTube: https://InvestingSecrets.tv/YouTube ➡️ Apple: https://InvestingSecrets.tv/Apple ➡️ Spotify: https://InvestingSecrets.tv/Spotify ➡️ Google: https://InvestingSecrets.tv/Google   Join Ed, Kevin, and many other experts at Lighthouse Wealth for more in-depth education on tax and other investing strategies. ➡️InvestingSecrets.tv/Wealth4u   Question? Have a question about investing or any of the secrets from this episode? Post in the comments section of this video or email us. InvestingSecretsWithKevin@gmail.com   Episode Sponsors ➡️ Wellings Capital ➡️ Smeed CPA ➡️ Living Wealth   Investing Secrets with Kevin Attride was born out of a desire to empower investors and those interested in maximizing their finances. We're bringing you the tips, tricks, and secrets of successful investors and the wealthy no matter where you are on your journey. #InvestingSecrets #KevinAttride #EdBabtkis #RossDiversifiedInsuranceServices #RealEstateInsurance #ReplacementCost #ActualCashValue #LiabilityCoverage #PromissoryNotes #InvestorMindset   DISCLAIMER The information contained in this episode are opinions not to be used as individual guidance. As always, consult your own financial team for your investment decisions. We recommend that as a consumer, you exercise your due diligence and research any and all strategies outlined before adopting them for your unique situation. Investing Secrets with Kevin Attride and other encompassed entities are not responsible for any damages that result from an effort to implement the information provided in this or any other video, article, social media post, and related publications. Your use and viewing of any materials and videos published by Investing Secrets with Kevin Attride and other encompassed entities confirms your acknowledgement and agreement that Wyoming law will apply to any and all disputes related to the aforementioned entities and that Wyoming will serve as the venue for any disputes, claims, and litigious activities related but not limited to the materials produced by Investing Secrets with Kevin Attride and other encompassed entities. Investing Secrets with Kevin Attride, other encompassed entities, and all other associated persons including but not limited to independent contractors, employees, and affiliates, research and review all content for this site to the best of their abilities but make no guarantees, representations, or warranties as to the complete accuracy and inclusion of all relevant information for each video, including but not limited to all video streams, suggested and provided links and resources. All parties specifically disclaim any implied warranties of merchantability or fitness for any and all purposes. Copyright, Liability Waiver and Disclaimers As per and unless otherwise permitted under the United States Copyright Act, no part of the content of this video or any video published under Investing Secrets with Kevin Attride and other encompassed entities, shall be stored, copied, recreated, republished, or transported. Prior express written permission is required for any use of this video not permitted under the United States Copyright Act. All Rights Reserved.

We packing in a quick episode between the Tournament Finals and GenCon, so here's one where we talk about exactly 5 things: Generic Promissory Notes! It's the basics to how to handle, as any faction, your Political Secret, Trade Agreement, Ceasefire, Alliance, and Support for the Throne! Go watch the Finals!  https://www.youtube.com/watch?v=u0mfWgfuGJs Music provided by Ben Prunty. Find more at benpruntymusic.com or benprunty.bandcamp.com To learn more about our Discord, Twitter, Patreon, Merch, and more, visit https://spacecatspeaceturtles.com/

We want digital debt to be registered, issued, transferred and eventually traded on our infrastructure. Benedikt Schuppli, Co-Founder and Co-CEO of FQX Executive Summary FQX is a Zürich, Switzerland-based fintech with great aspirations. They want to digitize company debt and this digital debt to be registered, issued, transferred, and eventually traded on their infrastructure. Promissory notes are known around the financial world. These instruments are fairly standardized. So, if you put this on a blockchain, you have an extremely powerful financing tool. Benedikt Schuppli, Co-Founder and Co-CEO of FQX The Founder This time we interview Benedikt Schuppli (https://www.linkedin.com/in/benedikt-schuppli/), a founder from Switzerland. He is the co-founder and co-CEO of FQX (https://fqx.ch/), a fintech startup from Switzerland offering electronic IOUs. Benedikt is a lawyer by training but took his first job after graduating with a Swiss fintech pioneer named Lykke as Chief Legal Officer. He there realized he wanted to be an entrepreneur and co-founded a smart contract startup called Lexon. The Startup FQX (https://fqx.ch/) is based in Zürich, Switzerland. Promissory notes, a version of IOUs is a stable of company funding in the German speaking area. Now with digitalization they get the ability to become much more widely used and listed on capital markets globally. A single issuance of promissory notes by one issuer is normally between 50-150 million Euros each. According to a recent statistic Q2 2021 alone saw the issuance of promissory notes worth 2,5 bn Euros in Germany, compared to 3,2 bn Euros in Q2 2020. Right now, they have a premium for not being tradable, but this is about to change with FQX. Learn more here: We want digital debt to be registered, issued, transferred and eventually traded on our infrastructure. Benedikt Schuppli, Co-Founder and Co-CEO of FQX Executive Summary FQX is a Zürich, Switzerland-based fintech with great aspirations. They want to digitize company debt and this digital debt to be registered, issued, transferred, and eventually traded on their infrastructure. Promissory notes are known around the financial world. These instruments are fairly standardized. So, if you put this on a blockchain, you have an extremely powerful financing tool. Benedikt Schuppli, Co-Founder and Co-CEO of FQX The Founder This time we interview Benedikt Schuppli (https://www.linkedin.com/in/benedikt-schuppli/), a founder from Switzerland. He is the co-founder and co-CEO of FQX (https://fqx.ch/), a fintech startup from Switzerland offering electronic IOUs. Benedikt is a lawyer by training but took his first job after graduating with a Swiss fintech pioneer named Lykke as Chief Legal Officer. He there realized he wanted to be an entrepreneur and co-founded a smart contract startup called Lexon. The Startup FQX (https://fqx.ch/) is based in Zürich, Switzerland. Promissory notes, a version of IOUs is a stable of company funding in the German speaking area. Now with digitalization they get the ability to become much more widely used and listed on capital markets globally. A single issuance of promissory notes by one issuer is normally between 50-150 million Euros each. According to a recent statistic Q2 2021 alone saw the issuance of promissory notes worth 2,5 bn Euros in Germany, compared to 3,2 bn Euros in Q2 2020. Right now, they have a premium for not being tradable, but this is about to change with FQX. Learn more here: https://medium.com/startuprad-io/fqx-brings-companies-debt-funding-to-the-blockchain-83c8528515a3 

We want digital debt to be registered, issued, transferred and eventually traded on our infrastructure. Benedikt Schuppli, Co-Founder and Co-CEO of FQX Executive Summary FQX is a Zürich, Switzerland-based fintech with great aspirations. They want to digitize company debt and this digital debt to be registered, issued, transferred, and eventually traded on their infrastructure. Promissory notes are known around the financial world. These instruments are fairly standardized. So, if you put this on a blockchain, you have an extremely powerful financing tool. Benedikt Schuppli, Co-Founder and Co-CEO of FQX The Founder This time we interview Benedikt Schuppli (https://www.linkedin.com/in/benedikt-schuppli/), a founder from Switzerland. He is the co-founder and co-CEO of FQX (https://fqx.ch/), a fintech startup from Switzerland offering electronic IOUs. Benedikt is a lawyer by training but took his first job after graduating with a Swiss fintech pioneer named Lykke as Chief Legal Officer. He there realized he wanted to be an entrepreneur and co-founded a smart contract startup called Lexon. The Startup FQX (https://fqx.ch/) is based in Zürich, Switzerland. Promissory notes, a version of IOUs is a stable of company funding in the German speaking area. Now with digitalization they get the ability to become much more widely used and listed on capital markets globally. A single issuance of promissory notes by one issuer is normally between 50-150 million Euros each. According to a recent statistic Q2 2021 alone saw the issuance of promissory notes worth 2,5 bn Euros in Germany, compared to 3,2 bn Euros in Q2 2020. Right now, they have a premium for not being tradable, but this is about to change with FQX. Learn more here: We want digital debt to be registered, issued, transferred and eventually traded on our infrastructure. Benedikt Schuppli, Co-Founder and Co-CEO of FQX Executive Summary FQX is a Zürich, Switzerland-based fintech with great aspirations. They want to digitize company debt and this digital debt to be registered, issued, transferred, and eventually traded on their infrastructure. Promissory notes are known around the financial world. These instruments are fairly standardized. So, if you put this on a blockchain, you have an extremely powerful financing tool. Benedikt Schuppli, Co-Founder and Co-CEO of FQX The Founder This time we interview Benedikt Schuppli (https://www.linkedin.com/in/benedikt-schuppli/), a founder from Switzerland. He is the co-founder and co-CEO of FQX (https://fqx.ch/), a fintech startup from Switzerland offering electronic IOUs. Benedikt is a lawyer by training but took his first job after graduating with a Swiss fintech pioneer named Lykke as Chief Legal Officer. He there realized he wanted to be an entrepreneur and co-founded a smart contract startup called Lexon. The Startup FQX (https://fqx.ch/) is based in Zürich, Switzerland. Promissory notes, a version of IOUs is a stable of company funding in the German speaking area. Now with digitalization they get the ability to become much more widely used and listed on capital markets globally. A single issuance of promissory notes by one issuer is normally between 50-150 million Euros each. According to a recent statistic Q2 2021 alone saw the issuance of promissory notes worth 2,5 bn Euros in Germany, compared to 3,2 bn Euros in Q2 2020. Right now, they have a premium for not being tradable, but this is about to change with FQX. Learn more here: https://medium.com/startuprad-io/fqx-brings-companies-debt-funding-to-the-blockchain-83c8528515a3

IRA Financial's Adam Bergman Esq. discusses promissory notes held in a Self-Directed IRA and the difference between secured vs. unsecured notes.

Ryan Kalamaya explains how payments are made from one spouse to another to divide property at the end of a divorce. Divorce attorneys often call those property division payments "equalization payments". Ryan discusses promissory notes, interest rates, and common issues such as securitizing the payments with real estate or a business. Step by Step Colorado Divorce GuideThe initial thought of trying to file for divorce can be overwhelming and emotionally exhausting. Ryan Kalamaya, one of the founding partners of innovative law firm Kalamaya | Goscha, has created a simple, step by step guide to the Colorado divorce process, so you know what to expect and how to best protect yourself and your assets.  Each 5-minute episode will cover the process for divorce, parenting in a divorce, property division, and more. To watch the videos of each episode, click here.About Kalamaya | GoschaKalamaya | Goscha is an innovative law firm with an award-winning team of trial lawyers specializing in highly personal disputes — divorce, child custody, property division, maintenance/alimony, pre-marital and marital agreements, and collaborative divorce — in Colorado. If you have additional questions or would like to speak to one of our attorneys, give us a call at 970-429-5784 or email us at info@kalamaya.law.************************************************************************DISCLAIMER: THE COMMENTARY AND OPINIONS ON THIS PODCAST IS FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. CONTACT AN ATTORNEY IN YOUR STATE OR AREA TO OBTAIN LEGAL ADVICE ON ANY OF THESE ISSUES.

What do you need to have in place to close your fist commercial property? Well, guys listen up because Vinney gives all the goods to finance your first deal. Learn the tricks of the trade from a multi-family/commercial real estate guru. A great podcast if you are new to the business and trying to get a true understanding of how to finance a multi-family deal. What the banks are looking at and what are you expected to show to the banks? - What is your net worth? - Assets - Liability - Loans - What counts? - Promissory notes - Interest - Qualifications - Taxes ------------------------------------------------ About Vinney (Smile) Chopra: Vinney is a real estate investor, syndicator, International best-selling author, host of 4 podcasts, multifamily educator, mentor, dedicated husband of over 40 years and father of 2 children-Neil and Monica, residing in Danville, California (near San Francisco) for 40+ years. Vinney came to this country with only $7 in his pocket and a dream. Vinney has now built a portfolio of over 6,500 units amounting to over $650 Million in the multifamily, senior assisted living and hospitality arenas. He is passionate about helping others achieve financial freedom and giving back to our seniors who have given us so much. Learn more about Vinney: https://vinneychopra.com/ Learn more about investing with Vinney: https://vinneychopra.com/investor/ Apply for Mentorship: https://vinneychopra.com/mentorship/ Vinney's Youtube: https://www.youtube.com/c/VinneyChopra/videos Vinney's Linkedin: https://www.linkedin.com/in/vinney-smile-chopra/ Vinney's Instagram: https://www.instagram.com/vinneychopra/ Vinney's Free Book: https://vinneychopra.com/freebook/ ------------------------------------------------

In this episode, Professor Josh Galperin, Professor of Law at the Elisabeth Haub School of Law interviews me about equitable remedies and promissory estoppel.Some key takeways...1. Promissory estoppel is an equitable remedy, awarded for fairness when a legal remedy is not available.2. Promissory estoppel is only available in the absence of a legal contract.3. Promissory estoppel is available if      (1) the promisor should reasonably expect to induce action or forbearance on the part of the promisee  (objective evaluation)      (2) the promisee did rely on the promise (subjective evaluation)      (3) injustice can only be avoided by granting a remedyAbout our guest...Professor Josh Galperin teaches contracts, administrative law and environmental law at the Elisabeth Haub School of Law. Prior to joining the Elisabeth Haub School of Law at Pace University, Professor Gelperin was on the faculty at the University of Pittsburgh School of Law where he was a two-time winner of the Most Valuable Professor award. Prior to Pitt, he was the Director of the Environmental Protection Clinic, Lecturer in Law, and a Research Scholar at Yale Law School.  He has published extensively on environmental law, with particular emphasis on the role of non-governmental advocates in the creation and maintenance of environmental law, takings and just compensation, invasive species policy, and private environmental governance. Professor Galperin worked for the Southern Alliance for Clean Energy (SACE) where he was a policy analyst and research attorney. Galperin studied law at Vermont Law School where he graduated magna cum laude and was a member of the Vermont Law Review's senior editorial board. He earned a master's degree in environmental management from the Yale School of the Environment (then the Yale School of Forestry and Environmental Studies) and a bachelor's degree in political science with a minor in wildlife conservation from the University of Delaware.

Please check out our other episodes here: https://letsgetrealestatepodcast.com/Having financial freedom earlier in life is what every investor hopes to achieve. While you see many investors reaching that goal and it look easy enough for you, it actually is not. Investor Mel and Dave Dupuis talk about the strategies they used to get to where they are now and the importance of having the right team to back you up.In this episode, we cover:Mel and Dave Dupuis take the time to share the importance of working with a team in their successes. They acknowledge their need for employees and contract workers. They don't believe in self-made millionairesThe first valuable person that they brought in to help them manage their properties. Mel and Dave trained an in-house property manager and showed him how they wanted things done. Mel and Dave talk about doable strategies that they did to be successful real estate investors. They also recounted the challenges they overcame along the way.Mel and Dave share the importance of having an exit strategy and doing your due diligence. They said it was a game-changer for them when they met with a disinterested owner.Promissory notes and raising registered funds. Mel and Dave started with owner financing but they also mention that there are lenders out there that are always looking for deals. Always look for win-win deals.Mel and Dave's advice for new real estate investors who are having difficulties pitching their ideas to lenders.Resources and links mentioned:Mel & Dave Family Mentoring Program: https://investormeldave.com/mentorship-programs/About Mel and Dave Dupuis:Mel and Dave are known as The Investor Couple. They have over 20 years of combined experience in real estate investing and they have managed over 200 doors. They have experience in multi-family real estate investing, commercial real estate, and property management. They are now focused on mentorship programs to educate more people and share their enthusiasm for real estate investing. Connect with Mel and Dave Dupuis:Instagram: https://www.instagram.com/investormeldave/?hl=enYouTube: https://www.youtube.com/c/InvestorMelDaveDupuis/featuredTikTok: https://www.tiktok.com/@investormeldave?lang=enFacebook: https://www.facebook.com/InvestorMelDaveTwitter: https://twitter.com/InvestorMelDaveConnect with Danielle Chiasson:Website: https://engineeredreturnsinc.com/index.htmlLinkedIn: https://www.linkedin.com/in/daniellechiasson/Instagram: https://www.instagram.com/danielle.chiasson/Facebook: https://www.facebook.com/DaniChiassonBook in a call: https://calendly.com/strategicsuccess/lets-get-real-estate-20-min-chat Listen in and subscribe for more.Interested in becoming a guest on the show? Email podcastletsgetreal@gmail.com with the Subject: I want to be a guest! OR simply fill out this form: https://perfectpropertyinc.activehosted.com/f/34