Podcasts about Property

Physical or intangible entity, owned by a person or Putting a hot dog in your (property)

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    Latest podcast episodes about Property

    R&R Cat Cast
    Super Brawl Victors!

    R&R Cat Cast

    Play Episode Listen Later Dec 23, 2025 101:00


    R&R is brought to you ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Bobcat Collective⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Cats punch their ticket to Nashville by winning the first ever Super Brawl over the Griz! Go Cats!Intro music courtesy of Ugly Duckling Audio Clips are the Property of Learfield Sports

    Japan Real Estate
    How Can Non-Residents of Japan Get Financing for a Holiday Home or AirBnb Property?

    Japan Real Estate

    Play Episode Listen Later Dec 23, 2025 54:47


    We sit down with Mark Drabkin, founder of "Yen Loans" - a Tokyo-based start-up focused on providing real estate financing to foreigners in Japanese Yen - INCLUDING for holiday homes, short term stay properties and even non-real estate businesses - and all this without them having to setup a Japanese corporate structure, deal with Japanese banks and their pesky compliance requirements - and get it all done in English!

    Credit Union Conversations
    MBFS Quick Hits: Celebrating The Holidays With Kristina Paulson

    Credit Union Conversations

    Play Episode Listen Later Dec 23, 2025 15:08 Transcription Available


    Commercial real estate lending saw unprecedented growth in 2025, defying expectations. In this episode of Credit Union Conversations, host Mark Ritter sits down with Kristina Paulson to explore the dramatic 30% increase in loan volume despite persistently high interest rates. They discuss evolving debt service coverage ratio requirements, the impact of rate resets on existing portfolios, and creative loan restructuring strategies. Kristina shares insights on commercial loan underwriting challenges, softening office building markets, and property values holding steady across most sectors. The conversation offers a critical perspective on credit union lending portfolio management and what commercial real estate market trends to expect in 2026. Stay tuned at the end to hear their favorite Christmas traditions.WHAT YOU WILL LEARN IN THIS EPISODE:✅ How credit unions managed a surprising 30% surge in loan volume throughout 2025, despite high interest rates and why similar lending trends are expected to continue into 2026.✅ Why debt service coverage ratio minimums have increased from 1.20 to 1.25 across the industry, and how commercial loan underwriting standards have become more meticulous due to rising insurance, utilities, and operating expenses.✅ Which commercial real estate sectors face the most significant risk, particularly office buildings experiencing rate resets from low-interest loans originated in 2020-2021, and what creative loan restructuring strategies are emerging?✅ How property values are holding steady in most markets, while credit union portfolio managers must monitor existing loans more carefully as higher expenses impact DSCR requirements and risk ratings.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 2025 commercial real estate lending trends, MBFS growth, the unexpected surge in loan volume03:04 Interest rates reality check: Why predicted rate drops never materialized and how borrowers adapted to the higher rate environment for commercial loans06:01 Debt service coverage ratio challenges: Rising DSCR requirements, increased scrutiny on insurance, utilities, and operating expenses in commercial loan underwriting08:02 Property values holding steady, loan amounts decrease to maintain the debt service coverage ratio, and troubled commercial real estate loans as they roll over for refinancing in 2026-202710:39 Holiday traditions discussion: Kristina shares family Christmas celebrations, decorating, baking cookies, and extended family gatherings on Christmas Eve12:26 Childhood Christmas memories: for the Paulson and Ritter familiesKEY TAKEAWAYS:

    PLRB on Demand
    [REPLAY] Is an Apple Watch a Watch?

    PLRB on Demand

    Play Episode Listen Later Dec 23, 2025 21:04


    During this time of year as many people are exchanging presents, I'm sure you're all wondering exactly how those various gadgets would be classified under the HO3 policy. So for this holiday week, we're sharing a classic episode featuring an excellent coverage scenario. The insured, a father of 4, was out buying Christmas gifts for his children. This year he decided to splurge and buy each of them a drone and an Apple Watch. On his way back home, he stopped to get gas, and when he went into the minimart for coffee, a thief stole everything out of the back seat. The insured notified the police and submitted a claim under his ISO 1991-edition HO3. The adjuster considers this to be a covered Theft loss, but she knows there are specific provisions in the policy for watches and aircraft. Notable Timestamps [ 00:17 ] - A theft claim is submitted for four drones and four smartwatches under the 1991 HO3. The question arises whether special provisions for aircraft and watches applies. [ 01:27 ] - The team debates the merits of drones and smartwatches, their capabilities for wall damage and dog-scaring, and the wisdom of being notified emails the instant they are received. [ 03:09 ] - A $1,000 special limit of liability applies to theft of "watches." Is an Apple Watch a watch? [ 03:42 ] - Alissha argues that smartwatches are too different from a basic time-telling watch, and is more like a phone. Smartwatches were likely not part of the original policy intent. [ 04:55 ] - Mike argues that it's called an "Apple Watch" -- its makers and users consider it a watch, even if it's more complex. [ 06:05 ] - The group quotes Shakespeare and Merriam-Webster; it tells the time and it's on your wrist, so… [ 06:30 ] - Grassie v. Merrimack Mut. Fire Ins. Co., 291 A.2d 254 (N.H. 1972) (watches that were inoperable and kept in display case were still subject to special limit of liability for theft of watches). [ 07:00 ] - Ambiguities are construed in favor of the insured. So both sides need to hire a good lawyer. [ 07:52 ] - How would the policy treat an iPhone strapped to your arm? Coverage C would likely provide full coverage for a smartphone. [ 09:51 ] -  "Property Not Covered" includes "aircraft"… but "model or hobby aircraft not used or designed to carry people or cargo" are covered.  [ 10:20 ] - Toy drones likely fall under hobby aircraft. [ 11:15 ] - This scenario looked at what's covered property, but a drone could also be a covered cause of loss, even if it destroys itself. [ 12:40 ] - Unlike BP and CP forms, there's no concern about the loss happening off-premises; homeowners get worldwide coverage for Coverage C. [ 14:19 ] - In the 2022 ISO form, a $2,000 special limit of liability applies to model or hobby aircraft. [ 15:51 ] - Under the recovered property provision, if the thief is caught after the amount is paid, the insured can choose to return the payment or have the insurer salvage the goods. [ 18:00 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources FAQ, Drones and First Party Property Coverage, http://search.plrb.org/?DN=60514 FAQ, Is a Drone an Aircraft Under the CGL Policy?, http://search.plrb.org/?DN=56440 Coverage Question on "Is An Apple Watch Considered A Watch Or A Computer?" - https://search.plrb.org/?dn=58826&src=gsa Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

    Real Estate Excellence
    How to Buy Equestrian Property in Florida's Top Horse Regions

    Real Estate Excellence

    Play Episode Listen Later Dec 22, 2025 77:31


    Can mastering a niche early in your real estate career be the secret to selling million-dollar homes in your 20s? In this episode of the Real Estate Excellence Podcast, Tracy Hayes welcomes second-generation real estate agent Emma Horvatincic, a driven and self-made rising star specializing in equestrian properties in Northeast Florida. Emma shares her journey from growing up immersed in a business-minded household to building a flourishing career in real estate—all before turning 25. Her unique blend of professionalism, niche marketing, and dedication to elite service shines throughout the conversation. Emma reveals how her equestrian background, personalized marketing, and strategic use of old-school outreach (yes, real mail!) helped her break into the luxury real estate market. She gives valuable insights on building a solid foundation with the right brokerage, leveraging AI and blogging for future-proof content marketing, and why anticipating client needs in the luxury space is non-negotiable. Her proactive mindset, attention to detail, and genuine care for her clients set her apart as a future industry leader. Love what Emma shared? Don't wait—subscribe to Real Estate Excellence and follow Emma's journey! If you're a new agent wondering how to carve your niche, or a buyer looking for horse property expertise, this is the episode for you. Share it, review it, and start building your empire today.   Highlights: 00:00 - 02:35 Why You Shouldn't Wait to Buy ·        Emma's top advice for 2026 buyers ·        Timing the market vs. taking the leap ·        Why perfection isn't the goal ·        Interest rates and market myths ·        Action beats hesitation 02:36 - 13:30 From College to Closing Deals ·        Getting licensed during college ·        Family legacy in real estate ·        Studying business & entrepreneurship at UNF ·        Formal education vs. natural business instinct ·        Transitioning into full-time real estate 13:31 - 22:20 Nailing the Niche ·        Breaking into luxury through horse properties ·        What most agents get wrong in farm listings ·        Building trust with sellers through expertise ·        Targeting farms using handwritten outreach ·        Turning expired listings into closed deals 22:21 - 31:38 Marketing That Actually Works in 2025 ·        Why social media alone isn't enough ·        AI, blogs & the rise of Googleable agents ·        The value of a solid personal website ·        How reviews fuel AI visibility ·        Personalization vs. paid content 31:39 - 45:02 Serving Luxury Clients the Right Way ·        White-glove service from start to finish ·        Anticipating client needs proactively ·        Out-of-state buyers and concierge-level care ·        Why responsiveness is your superpower ·        Communicating value beyond just the home 45:03 - 01:17:23 Trends, Renovations & Real ROI ·        Pricing mistakes sellers make ·        High-end homes: what's still moving ·        Buyers' mindset in luxury vs. average price point ·        Are pre-listing renovations worth it? ·        Timing, market strategy, and honest advising   Quotes: "There's never going to be one perfect time to get in the market. When the time is right for you, make the jump." – Emma Horvatincic "You're always interviewing for your next opportunity. Nothing is guaranteed." – Emma Horvatincic "Substance will never go out of style, especially in a digital world." – Emma Horvatincic "If you're not looking for your next opportunity today, you'll feel it a few months from now." – Emma Horvatincic   To contact Emma Horvatincic, learn more about her business, and make her a part of your network, make sure to follow her on her Website, Instagram, Facebook, YouTube, and TikTok.   Connect with Emma Horvatincic! Website: https://ehorvatincic.floridanetworkrealty.com/ Instagram: https://www.instagram.com/emma.horvatincic.realtor/ Facebook: https://www.facebook.com/emma.horvat.37051/   Connect with me! Website: toprealtorjacksonville.com   Website: toprealtorstaugustine.com    SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best.   #RealEstateExcellence #LuxuryRealEstate #EquestrianRealEstate #EmmaHorvatincic #WomenInRealEstate #BerkshireHathaway #RealEstatePodcast #NicheMarketing #AIInRealEstate #RealEstateTips #ContentMarketing #LuxuryHomes #EquestrianLifestyle #PropertyInvesting #NewAgentAdvice #SocialMediaForRealtors #RealEstateStrategy #FloridaRealEstate #HorseProperties #LuxuryListingAgent

    The Michael Yardney Podcast | Property Investment, Success & Money
    Why property investors shouldn't trust the last 5 years of price data | Stuart Wemyss

    The Michael Yardney Podcast | Property Investment, Success & Money

    Play Episode Listen Later Dec 22, 2025 45:58


    If you've been watching property prices over the past few years, you've probably noticed some strange trends – massive price rises, unpredictable shifts between cities and regions, and what feels like an endless debate about affordability.   But what if I told you that the last five years of price data might be leading investors astray?   Today, I'm joined by Stuart Wemyss, financial strategist and founder of ProSolution Private Clients, who has written a confronting article explaining why the last five years of data are the least reliable in decades.   Together, we'll unpack what's distorted the numbers – from COVID lockdowns and construction cost blowouts to volatile borrowing power and migration swings – and how smart investors can cut through the noise to focus on long-term fundamentals.   Our conversation highlights the significance of local knowledge in making informed investment decisions and the need for a strategic approach to property investment, rather than relying solely on short-term data.     Takeaways  ·         The property market is influenced by various factors, including lending volumes. ·         Rising construction costs have a significant impact on property values. ·         Borrowing capacity has fluctuated due to regulatory changes and interest rates. ·         Migration trends can create pressure on rental markets and property prices. ·         Data analysis in property investment requires both science and art. ·         Local knowledge is crucial for making informed investment decisions. ·         Investors should focus on long-term fundamentals rather than short-term data. ·         Understanding the reasons behind market movements is essential for smart investing. ·         Population growth alone does not guarantee property price increases.   Chapters    01:32 – Why the Last 5 Years of Property Data Can Mislead Investors  04:45 – How Surging Construction Costs Distorted Market Values  09:34 – Borrowing Capacity Shocks and Their Impact on Growth  17:07 – Migration Waves, Rentals and Why Sydney & Melbourne Lagged  23:55 – Work-From-Home, Regions and the Return to Big City Demand  27:26 – Cheap Money, Lending Volumes and Why Long-Term Data Matters   Links and Resources:   Michael Yardney – Subscribe to my Property Update newsletter here   Stuart Wemyss – Prosolution Private Clients   Read Stuart's article here: https://prosolution.com.au/why-property-investors-shouldnt-trust-the-last-5-years-of-price-data/   Stuart's Book – Rules of the Lending Game & Investopoly   Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

    Start Up Podcast PH
    PHSW2025 Kwentuhan #1: OpenSesame - Digital Foreclosed Property Marketplace

    Start Up Podcast PH

    Play Episode Listen Later Dec 22, 2025 27:50


    We had a kwentuhan with OpenSesame last Philippine Startup Week 2025! OpenSesame.PH is the first digital foreclosed property marketplace in the Philippines, optimizing asset acquisition through efficient processes and full, transparent support.This episode is recorded live at the Philippine Innovation Hub in Marikina City.In this episode:00:00 Introduction01:14 Ano ang OpenSesame?24:59 How can listeners find more information?OPENSESAMEWebsite: https://opensesame.phFacebook: https://facebook.com/OpenSesamePropertiesPHILIPPINE STARTUP WEEKWebsite: https://phstartupweek.comFacebook: https://facebook.com/PhilippineStartupWeekTHIS EPISODE IS CO-PRODUCED BY:Yspaces: ⁠https://knowyourspaceph.com⁠Apeiron: ⁠https://apeirongrp.com⁠Twala: ⁠https://twala.io⁠Symph: ⁠https://symph.co⁠Secuna: ⁠https://secuna.io⁠SkoolTek by Edfolio: ⁠https://skooltek.co⁠MaroonStudios: ⁠https://maroonstudios.com⁠CompareLoans: ⁠http://compareloans.ph⁠CHECK OUT OUR PARTNERS:Ask Lex PH Academy: ⁠https://asklexph.com⁠ (5% discount on e-learning courses! Code: ALPHAXSUP)Argum AI: ⁠http://argum.ai⁠PIXEL by Eplayment: ⁠https://pixel.eplayment.co/auth/sign-up?r=PIXELXSUP1⁠ (Sign up using Code: PIXELXSUP1)School of Profits: ⁠https://schoolofprofits.academy⁠Founders Launchpad: ⁠https://founderslaunchpad.vc⁠Hier Business Solutions: ⁠https://hierpayroll.com⁠Agile Data Solutions (Hustle PH): ⁠https://agiledatasolutions.tech⁠Smile Checks: ⁠https://getsmilechecks.com⁠CloudCFO: ⁠https://cloudcfo.ph⁠ (Free financial assessment, process onboarding, and 6-month QuickBooks subscription! Mention: Start Up Podcast PH)Cloverly: ⁠https://cloverly.tech⁠BuddyBetes: ⁠https://buddybetes.com⁠HKB Digital Services: ⁠https://contakt-ph.com⁠ (10% discount on RFID Business Cards! Code: CONTAKTXSUP)Hyperstacks: ⁠https://hyperstacksinc.com⁠OneCFO: ⁠https://onecfoph.co⁠ (10% discount on CFO services! Code: ONECFOXSUP)Wunderbrand: ⁠https://wunderbrand.com⁠DVCode Technologies Inc: ⁠https://dvcode.tech⁠NutriCoach: ⁠https://nutricoach.com⁠Uplift Code Camp: ⁠https://upliftcodecamp.com⁠ (5% discount on bootcamps and courses! Code: UPLIFTSTARTUPPH)START UP PODCAST PHYouTube: ⁠https://youtube.com/startuppodcastph⁠Spotify: ⁠https://open.spotify.com/show/6BObuPvMfoZzdlJeb1XXVa⁠Apple Podcasts: ⁠https://podcasts.apple.com/us/podcast/start-up-podcast/id1576462394⁠Facebook: ⁠https://facebook.com/startuppodcastph⁠Patreon: ⁠https://patreon.com/StartUpPodcastPH⁠PIXEL: ⁠https://pixel.eplayment.co/dl/startuppodcastph⁠Website: ⁠https://phstartup.online⁠This episode is edited by the team at: ⁠https://tasharivera.com

    FSEN
    915 Property Playbook (Preapproval

    FSEN

    Play Episode Listen Later Dec 22, 2025 7:42


    Episode 2 of the Property Playbook we focus on the preapproval process for purchasing a home here in the 915.

    She's On The Money
    He Convinced Her To Buy Property With Her Inheritance… Then Tried to Take It in the Breakup

    She's On The Money

    Play Episode Listen Later Dec 21, 2025 29:22 Transcription Available


    This is one of those Money Diaries that starts with a decision that feels sensible at the time… and slowly reveals just how much weight it carries. When her partner suggested using her inheritance to buy property together, it felt like the right next step. The grown up one. The kind you make when you’re building a future with someone. Then the relationship ended, and that decision didn’t disappear with it. In this episode, she walks us through what happens next. The parts of property ownership no one explains when you’re in love. The confidence knock that comes from being told you’re “bad with money.” And the reality of having to step up financially before you feel ready. She also shares the systems she built to make money feel manageable again, especially with a brain that doesn’t love numbers, and the lessons she wishes she’d known before saying yes. This one is full of the stuff you don’t realise you need to know until you really, really do. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

    Real Estate Rookie
    Buying a “Cheap” Rental Property: What 99% of Rookies Miss (Rookie Reply)

    Real Estate Rookie

    Play Episode Listen Later Dec 19, 2025 27:48


    We've all come across that property—the one with the irresistibly low price in the bad area of town. The numbers make it look like a home-run real estate deal, but are there too many red flags to ignore? We'll show you exactly what to do when analyzing this type of rental property!   Welcome back to another Rookie Reply! We've pulled three new questions from the BiggerPockets Forums, and first up, an investor wants to know whether or not they need an umbrella policy for their property. Tune in as Ashley and Tony share their thoughts on insurance, LLCs, and a range of asset protection strategies you can use to safeguard what's yours. Then, we weigh the pros and cons of FHA and conventional loans. One of these options gives you a clear advantage when it comes to seller negotiations!   Our final question comes from an investor who's considering a “great” deal in a less desirable part of town. It looks good on paper, but are other investors steering clear for good reason? We break down when it makes sense to buy this type of deal, and conversely, when it's more trouble than it's worth! Looking to invest? Need answers? Ask your question here! In This Episode We Cover What to know before buying a good real estate deal in a bad neighborhood How to protect your assets with umbrella policies, LLCs, and other strategies Whether you should get an FHA loan or conventional loan for your rental property How to create “stable” rental income through Section 8 investing Why you always need to have cash reserves for your investment property And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/rookie-655 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.  Learn more about your ad choices. Visit megaphone.fm/adchoices

    Gary's Gulch
    Why the Fire at my Rental Property is a Good Thing!

    Gary's Gulch

    Play Episode Listen Later Dec 19, 2025 22:15


    Summary  In this episode, Gary Skelts navigates a real estate setback as one of his properties in Memphis catches fire. While many would see disaster, Gary highlights the importance of active involvement in business, viewing this challenge as a learning opportunity. Explore leadership, risk, and why passive income can't replace active engagement. This conversation is a must-listen for those invested in real estate or contemplating the realities of passive income.. Episode Highlights 00:00:40  Turning real estate headaches into opportunities.   00:02:20 - Active business vs passive real estate. 00:03:32 - Delegation and leadership lessons. 00:05:23 - Real estate as a storehouse of wealth. 00:07:19 - Hard assets and inflation. 00:09:02 - The role of a bookkeeper in real estate management. 00:11:11 - Learning from property management and insurance testing. 00:12:16 - Executing property management decisions wisely. 00:16:02 - Insights on handling property challenges. 00:18:21 - Learning from setbacks for future growth.   Episode Resources The podcast transcript does not provide any specific mentions of books, websites, or tools that can be linked. It mainly contains discussions about personal experiences, property management, and real estate investment strategies, but does not refer to specific resources by name or URL.   Keywords real estate   property management   passive income   investment strategy   financial independence   insurance claims   property maintenance   fire damage   rehabbing properties   leadership   bookkeeping   wealth storage   hard assets   inflation   income properties   real estate portfolio   turnkey properties   fire movement   rental income   property management challenges  

    Lifestyle Asset University
    Episode 336 - From 1 Property to 2; What The Road Of A Growing Portfolio Is Like

    Lifestyle Asset University

    Play Episode Listen Later Dec 19, 2025 38:22


    WEBINAR LINK:https://shawnmoore.clickfunnels.com/optiniyvvg89sWant to learn more about Vodyssey or start your STR journey. Book a call here: https://meetings.hubspot.com/vodysseystrategysession/booknow?utm_source=vodysseycom&uuid=80fb7859-b8f4-40d1-a31d-15a5caa687b7FOLLOW US:https://www.facebook.com/share/g/16XJMvMbVo/ https://www.instagram.com/vodysseyshawnmoore https://www.facebook.com/vodysseyshawnmoore/https://www.linkedin.com/company/str-financial-freedom https://www.tiktok.com/@vodysseyshawnmooreCONTACT US:support@vodyssey.comPROPERTY 1:https://www.airbnb.com/rooms/1302339866752283581?guests=1&adults=1&s=67&unique_share_id=bbe08662-f14c-49be-a29c-97e874affe04PROPERTY 2:https://www.airbnb.com/rooms/1561844108241128266?guests=1&adults=1&s=67&unique_share_id=dd8ce250-5eae-48fe-96e1-132120b80c40Chapters00:00:00 Intro00:02:54 Chris Barnett's Journey into Real Estate00:05:52 The Appeal of Short-Term Rentals00:08:52 Market Selection and Strategy00:12:07 Navigating Challenges in a Competitive Market00:15:03 Launching Property Number One00:17:48 Expanding to Property Number Two00:20:49 Setting Up and Managing Properties00:23:56 The Importance of a Support Team00:26:49 Lessons Learned and Future Goals

    Local Officials: Stronger, Together Podcast
    Episode 11c: January is R.O.A.D. Ready Month: One Way the Pool Helps Save Lives, Prevent Injuries, and Protect Property

    Local Officials: Stronger, Together Podcast

    Play Episode Listen Later Dec 19, 2025 11:56


    The TML Risk Pool has seen far too many accidents and injuries in and around roadways. The Pool's goal is to provide tools to help Members avoid them, and we've developed a program to do just that. R.O.A.D. Ready (The acronym stands for Recognize the Hazards; Observe People, Processes, and Equipment; Assess the Risk Level; and Determine the Safest Course of Action) is a Risk Pool program designed to save lives, prevent injuries, and protect property by raising member awareness of dangers on and near roadways, and each January is designated as R.O.A.D. Ready month.  The program recently received national attention through publication in the June 2025 edition of Professional Safety, the American Society of Safety Professionals' flagship monthly journal, which covers the latest safety management and injury prevention trends. The article, written by Risk Pool Safety and Loss Control Consultants Kolby Burkhart and Manny Trejo, is titled “Improving Roadways Safety: A Practical Framework to Protect Frontline Workers.” Check out the article here and listen to this episode to hear Kolby and Manny discuss ways to keep your city R.O.A.D. Ready! The Pool extends special recognition to the following R.O.A.D. Ready month participating Members: the Lower Valley Water District and the Cities of Anthony, Mont Belvieu, Beeville, Liberty Hill, Port Neches, Nederland, Rockport, Ingleside, Portland, Jasper, Livingston, Frisco, Schertz, and Fredericksburg. FURTHER INFORMATION:R.O.A.D. Ready Web PageFind Your Safety and Loss Control ConsultantSafety @ Your Fingertips Sign UpProfessional Safety Article2024-2025 Year in Review T.I.P.S. SheetTexas Police Chiefs Association VINCIBLE Training Programlawenforcementoutreach@tmlirp.orgJanuary R.O.A.D. Ready Risk Pool Trainings:January 6 Frisco Trenching and Excavation Awareness (1:00 p.m. - 3:00 p.m.) January 13 LVWD/Clint Loading and Transporting of Equipment (8:30 a.m. - 11:30 a.m.) Field Operations Safety (1:30 p.m. - 3:30 p.m.) January 13 & 27 Schertz Safe Police Vehicle Operations (8:30 a.m. - 11:30 a.m., 1:00 p.m. - 4:00 p.m.) January 14 Anthony Trenching and Excavation Awareness (8:00 a.m. - 10:00 a.m.) Work Zone Safety (10:15 a.m. - 12:15 p.m.) Field Operations Safety (1:30 p.m. - 3:30 p.m.) January 20-21 Fredericksburg Safe Police Vehicle Operations (1:30 p.m. - 4:30 p.m., 8:30 a.m. - 11:30 a.m.

    Cats at Night with John Catsimatidis
    John Solomon: Will Anyone Go to Jail for the Biden Administration Unlawfully Raiding Trump's Mar-a-Lago Property? | 12-18-25

    Cats at Night with John Catsimatidis

    Play Episode Listen Later Dec 19, 2025 11:06


    Learn more about your ad choices. Visit megaphone.fm/adchoices

    The Real View
    Ohio Policy Talk #21: Breaking Down Ohio's Property Tax Reforms with Rep. David Thomas

    The Real View

    Play Episode Listen Later Dec 18, 2025 31:40


    Property taxes have been the buzz across Ohio, and this episode breaks down what's driving the conversation and what recent reforms really mean for homeowners. Anastasia and Andrew sit down with State Representative David Thomas, Vice Chair of the House Ways and Means Committee and sponsor of all four property tax reform bills that recently passed out of the Statehouse. Representative Thomas shares what pushed him to lead this effort, the core issues in Ohio's property tax system, and how the latest reforms aim to provide relief while maintaining critical funding for schools and local governments. Tune in to hear what's changed, what's coming next, and what homeowners and REALTORS should know moving forward.In This Episode, We Cover:Rep. Thomas's background and what led him to champion property tax reformWhy property taxes have become such a major issue across OhioThe core problems with Ohio's current property tax structureA breakdown of the four property tax reform bills that passed the StatehouseWhat additional reforms could be considered in the futureWhat REALTORS should know — and share — as these reforms move forward

    FSEN
    P15 Property Playbook: Let's Explore El Paso, TX

    FSEN

    Play Episode Listen Later Dec 18, 2025 10:55


    We take a look at the neighborhoods across El Paso, TX as we begin this home buying journey.

    Smart Property Investment Podcast Network
    HOW I MET MY BROKER: Commercial property decoded: Timing, traps, and tactics with Sam Gordon

    Smart Property Investment Podcast Network

    Play Episode Listen Later Dec 18, 2025 65:24


    In a recent episode of How I Met My Broker, SPI host Liam Garman and director of Strategic Brokers Hung Chuy are joined by director of Australian Property Scout (APS) Sam Gordon to discuss the challenges and opportunities in commercial property investment. Chuy highlights the busy end-of-year lending period, noting that clients are seeking guidance amidst changing market conditions. Gordon reflects on APS's strong growth in 2025, including recognition as Entrepreneur of the Year and inclusion in the Australian Financial Review (AFR) Fast 100, setting the stage for a strategic 2026. The conversation explores the complexities of commercial property, including understanding yields, tax benefits, vacancies, and asset selection, emphasising that insufficient knowledge can lead to costly mistakes. Both Chuy and Gordon stress the importance of building a solid residential portfolio before transitioning into commercial investments to establish equity and minimise risk. Differences between residential and commercial lending were explained, including typical loan-to-value ratios (LVRs) and the potential pitfalls of cross-collateralisation. The trio also highlights the income potential of commercial properties, noting that passing most outgoings to tenants can offer higher net yields than residential assets.

    Property Podcast
    Investing in the Perfect First Property With Jolene Sukkarieh

    Property Podcast

    Play Episode Listen Later Dec 18, 2025 43:44


    In this episode of Property Investory, we will be talking to Jolene Sukkarieh, successful property investor, wealth advisor and mother of three. Come with us as we track her journey from her origins in Thursday Island to the Defence Force Academy, to a position with ANZ and Suncorp and then property expert. We'll learn about how her and her husband's parents' property investments inspired her to invest in property from a young age, how her first investment at age 21 happened to be a perfect first property and what inspired her to leave her position at ANZ and Suncorp to start her own business.So join us as we delve into Jolene Sukkarieh's everyday life, the skills she learned along the way and her property investment story that could inspire you to develop strategies that you can apply on your own journey! Hosted on Acast. See acast.com/privacy for more information.

    Westside Investors Network
    178. Money Traps to Avoid: How To Take Control of Your Finances & Time with Joey Mure

    Westside Investors Network

    Play Episode Listen Later Dec 17, 2025 50:35 Transcription Available


    Check the episode transcript hereABOUT JOEY MUREJoey Muré is co-founder and Partner at Wealth Without Wall Street, dedicated to helping individuals achieve financial independence through passive income strategies. After over a decade of success in the mortgage industry, Joey shifted his focus to empowering others to break free from traditional financial systems and build lasting wealth.As co-host of The Wealth Without Wall Street Podcast and co-author of Wealth Without Wall Street: 3 Steps to Freedom Through Passive Income, Joey shares practical steps for achieving financial freedom.  THIS TOPIC IN A NUTSHELL: ·         Guest Introduction – background and journey in real estate·         Why only asset-producing income becomes a problem·         Shift in Mindset: From Income to Passive Income·         Intentional wealth building·         Breaking Away from Wall Street·         Pivotal book that changed his financial trajectory·         Retirement is deferred living, not financial freedom·         Regaining control of capital instead of outsourcing it·         Identifying “Money Traps”·         Opportunity cost and loss of liquidity·         Cash Flow vs. Cash Accumulation·         Building a Passive Income Operating System·         Overview of Wealth Without Wall Street's framework·         Investor DNA & Buy Box Framework·         Chasing Trends vs. Building Freedom·         Flipping and Crypto as investments ·         Structured lending and cash-flowing assets·         Tax Strategy & Family Office Insights·         Final Thoughts & Closing Insights·         Free Resources and tools    KEY QUOTE:  “Passive income is what buys your time back” – Joey Mure      ABOUT THE WESTSIDE INVESTORS NETWORK   The Westside Investors Network is your community for investing knowledge for growth. For real estate professionals by real estate professionals. This show is focused on the next step in your career... investing, for those starting with nothing to multifamily syndication.     The Westside Investors Network strives to bring knowledge and education to real estate professionals that is seeking to gain more freedom in their life. The host AJ and Chris Shepard, are committed to sharing the wealth of knowledge that they have gained throughout the years to allow others the opportunity to learn and grow in their investing. They own Uptown Properties, a successful Property Management, and Brokerage Company. If you are interested in Property Management in the Portland Metro or Bend Metro Areas, please visit www.uptownpm.com. If you are interested in investing in multifamily syndication, please visit www.uptownsyndication.com.    #RealEstateInvesting #PassiveIncome #FinancialFreedom #RealEstateInvestors #InvestorMindset #WealthBuilding #CashFlowInvesting #AlternativeInvestments #FinancialIndependence #TimeFreedom #MoneyMindset #GenerationalWealth #InvestingEducation #SmartInvesting #WealthWithoutWallStreet #RealEstatePodcast #InvestorEducation #AssetBasedIncome #IncomeProducingAssets #PrivateInvesting #RealAssets #BuildWealth #FinancialLiteracy #InvestmentStrategy #PassiveCashFlow #CapitalControl #InvestForFreedom #LongTermWealth #AccreditedInvestors #DealDeepDive  CONNECT WITH JOEY MURE:Website:          https://www.wealthwithoutwallstreet.comLinkedIn:          https://www.linkedin.com/in/joey-mure-b376824/Free resource: https://go.wealthwithoutwallstreet.com/win   CONNECT WITH US   For more information about investing with AJ and Chris:  ·    Uptown Syndication | https://www.uptownsyndication.com/  ·    LinkedIn | https://www.linkedin.com/company/71673294/admin/   For information on Portland Property Management:  ·    Uptown Properties | http://www.uptownpm.com  ·    Youtube | @UptownProperties     Westside Investors Network  ·    Website | https://www.westsideinvestorsnetwork.com/  ·    Twitter | https://twitter.com/WIN_pdx  ·    Instagram | @westsideinvestorsnetwork  ·    LinkedIn | https://www.linkedin.com/groups/13949165/  ·    Facebook | @WestsideInvestorsNetwork  ·    Tiktok| @WestsideInvestorsNetwork  ·    Youtube | @WestsideInvestorsNetwork  

    Talkingbird
    Can't Stop the Signal: Enduring Hope in Divided Times — David Zahl

    Talkingbird

    Play Episode Listen Later Dec 17, 2025 44:54


    A talk from the Mbird Fall DC Conference "500 Years of Grace". 2017. Property of Mockingbird Ministries, all rights reserved (www.mbird.com).

    The Nomad Capitalist Audio Experience
    Why I Sold ALL of My Property In Montenegro

    The Nomad Capitalist Audio Experience

    Play Episode Listen Later Dec 17, 2025 12:59


    Become a Client: https://nomadcapitalist.com/apply/ Get our free Weekly Rundown newsletter and be the first to hear about breaking news and offers: https://nomadcapitalist.com/email Join us for the next Nomad Capitalist Live event: https://nomadcapitalist.com/live/ Mr Henderson breaks down why he sold his beach home and all his property in Montenegro after more than a decade of investing, renovating, and building a life there. You'll learn the three phases of owning international real estate, why the "Hell Yes or No" framework changed his investment strategy, and why optionality and sometimes renting can be the better choice. Nomad Capitalist helps clients "go where you're treated best." We are the world's most sought-after firm for offshore tax planning, dual citizenship, international diversification, and asset protection. We use legal and ethical strategies and work exclusively with seven- and eight-figure entrepreneurs and investors. We create and execute holistic, multi-jurisdictional Plans that help clients keep more of their wealth, increase their personal freedom, and protect their families and wealth against threats in their home country. No other firm offers clients access to more potential options to relocate to, bank in, or become a citizen of. Because we do not focus only on one or a handful of countries, we can offer unbiased advice where others can't. Become Our Client: https://nomadcapitalist.com/apply/ Our Website: http://www.nomadcapitalist.com/ About Our Company: https://nomadcapitalist.com/about/ Buy Mr. Henderson's Book: https://nomadcapitalist.com/book/ Disclaimer: Neither Nomad Capitalist LTD nor its affiliates are licensed legal, financial, or tax advisors. All content published on YouTube and other platforms is intended solely for general informational and educational purposes and should not be construed as legal, tax, or financial advice. Nomad Capitalist does not offer or sell legal, financial, or tax advisory services.

    Travelers Institute Risk & Resilience
    The Evolving Property Insurance Landscape: Strategic Response and Agent Participation

    Travelers Institute Risk & Resilience

    Play Episode Listen Later Dec 17, 2025 56:41


    What's driving the changes in today's complex property insurance market, and how can we turn challenges into opportunities to better serve customers? Angi Orbann, National Property Lead and Vice President of Property, Personal Insurance, and Dan DiMugno, Assistant Vice President, Risk Management, Personal Insurance, both from Travelers, joined us to examine how the company views evolving market pressures. Learn how Travelers is using innovative solutions and analytics to better assess customer needs and help them protect their home investment. Also get insights into the critical role agents play in helping customers understand their exposure and make informed decisions. Watch the original Wednesdays with Woodward® webinar: https://institute.travelers.com/webinar-series/symposia-series/property-insurance.    --- Visit the Travelers Institute® website: http://travelersinstitute.org/. Join the Travelers Institute® email list: https://travl.rs/488XJZM. Subscribe to the Travelers Institute® Podcast newsletter on LinkedIn: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=7328774828839100417.  Connect with Travelers Institute® President Joan Woodward on LinkedIn: https://www.linkedin.com/in/joan-kois-woodward/. 

    The Michael Yardney Podcast | Property Investment, Success & Money
    Money Secrets From Rich Dad Poor Dad that all Property Investors Must Know, with Brett Warren

    The Michael Yardney Podcast | Property Investment, Success & Money

    Play Episode Listen Later Dec 17, 2025 30:43


    Most people spend their lives working for money… but what if your money could work for you instead?   In today's show, Brett Warren, national Director of Property at Metropole, and I break down the 10 key lessons from Robert Kiyosaki's book Rich Dad Poor Dad—the book that changed the way millions of people think about wealth.   From the difference between assets and liabilities, to why paying yourself first is the golden rule of financial freedom—we show you how to apply these timeless lessons in today's world.   Our conversation highlights some timeless principles that could guide you  towards financial independence and success.   Takeaways  ·         Financial literacy is essential for wealth retention. ·         Understanding the difference between assets and liabilities is crucial. ·         Emotional intelligence plays a key role in investment decisions. ·         Learning from failure is a pathway to success. ·         Mentorship can accelerate your financial journey. ·         Defining your 'why' helps in making investment decisions. ·         Paying yourself first is a fundamental principle of wealth building. ·         Investing requires a disciplined approach and a strategic plan. ·         Successful investors surround themselves with knowledgeable teams.     Chapters    02:10 – How 'Rich Dad Poor Dad' Changed the Way We Think About Money  05:36 – Assets, Liabilities, and the Power of Financial Literacy  08:31 – Emotions, Risk and Why Most Investors Fail  11:40 – Learning from Mistakes and Building Real Wealth  15:14 – Mindset, Mentorship and the Business of Investing  18:49 – Finding Your Why and Paying Yourself First   Links and Resources:   Answer this week's trivia question here - http://www.propertytrivia.com.au/ ·        Win a hard copy of Michael Yardney's Guide to Investing Successfully ·        Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au    Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us     Michael Yardney – Subscribe to my Property Update newsletter here.   Brett Warren - National Director of Property at Metropole   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

    WealthTalk
    How To Create A Portfolio Of Property With A Single Pot Of Money

    WealthTalk

    Play Episode Listen Later Dec 17, 2025 52:58


    Key Topics Covered:1. Why BRR MattersMost investors run out of cash before they run out of ambition.BRR is not just a “strategy”—it's a way to keep growing your portfolio with limited resources.Works for residential, commercial, and mixed-use properties.2. The Seven Steps to BRR SuccessTarget properties others avoid (those with problems lenders won't touch).Calculate your offer: future value minus costs and a 20% margin.Make fair offers—don't be afraid to go below asking price.Expect and embrace rejection; it's part of the process.Follow up with rejected offers—motivation changes over time.Secure finance, fix the property, and add value.Refinance at the new value to pull out as much cash as possible.3. Creative Financing & Bridging LoansBridging finance lets you buy and refurb properties that need work, even if you don't have all the cash upfront.Build the cost of bridging into your deal—if the numbers work, it's worth it.Always take longer terms than you think you'll need to avoid penalties.4. Avoiding Common MistakesDon't get attached to asking prices; base your offers on solid calculations.Provide clear evidence of tangible improvements to valuers for successful refinancing.Plan for potential overruns and down valuations.5. Market Insights & MindsetDespite higher interest rates and tougher legislation, rents have risen and BRR still works if you buy right.The property market is seeing a “changing of the guard”—new investors are entering as older landlords exit.Success comes from thinking differently and being willing to do what others won't.6. Advanced Tactics: Delayed Completion & Ninja Investors“Exchange with delayed completion” lets you refurb before you own, sometimes pulling your cash out on day one.Ninja investors operate under the radar, focusing on creative deals and properties most ignore.Actionable TakeawaysFocus on properties with problems you know how to solve.Always run your own numbers and stick to fair, calculated offers.Use creative finance and networking to keep growing—even when cash is tight.Embrace rejection and follow up—motivation changes.Learn from experienced mentors and surround yourself with like-minded investors.Resources & Next Steps:Buy, Refurb, Refinance - Guides, workshops, and advanced trainingProperty Chats free networking events — no speakers, no pitches, just real conversationsWealthBuilders Membership: Free access to guides, webinars, and communityDownload our FREE Pensions and Inheritance Tax GuideConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms. Next Steps On Your WealthBuilding Journey:  Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!

    Easy Prey
    You Are Traceable with OSINT

    Easy Prey

    Play Episode Listen Later Dec 17, 2025 56:01


    Publicly available data can paint a much clearer picture of our lives than most of us realize, and this episode takes a deeper look at how those tiny digital breadcrumbs like photos, records, searches, even the background of a Zoom call can be pieced together to reveal far more than we ever intended. To help break this down, I'm joined by Cynthia Hetherington, Founder and CEO of The Hetherington Group, a longtime leader in open-source intelligence. She also founded Osmosis, the global association and conference for OSINT professionals, and she oversees OSINT Academy, where her team trains investigators, analysts, and practitioners from all experience levels. Cynthia shares how she started her career as a librarian who loved solving information puzzles and eventually became one of the earliest people applying internet research to real investigative work. She talks about the first wave of cybercrime in the 1990s, how she supported law enforcement before the web was even mainstream, and why publicly accessible data today is more powerful and more revealing than ever. We get into how OSINT actually works in practice, from identifying a location based on a sweatshirt logo to examining background objects in video calls. She also explains why the U.S. has fewer privacy protections than many assume, and how property records, social media posts, and online datasets combine to expose surprising amounts of personal information. We also explore the growing role of AI in intelligence work. Cynthia breaks down how tools like ChatGPT can accelerate analysis but also produce hallucinations that investigators must rigorously verify, especially when the stakes are legal or security-related. She walks through common vulnerabilities people overlook, the low-hanging fruit you can remove online, and why your online exposure often comes from the people living in your home. Cynthia closes by offering practical advice to protect your digital footprint and resources for anyone curious about learning OSINT themselves. This is a fascinating look at how much of your life is already visible, and what you can do to safeguard the parts you'd rather keep private. Show Notes: [01:17] Cynthia Hetherington, Founder & CEO of The Hetherington Group is here to discuss OSINT or Open-Source Intelligence. [02:40] Early cyber investigators began turning to her for help long before online research tools became mainstream. [03:39] Founding The Hetherington Group marks her transition from librarian to private investigator. [04:22] Digital vulnerability takes center stage as online data becomes widely accessible and increasingly revealing. [05:22] We get a clear breakdown of what OSINT actually is and what counts as "publicly available information." [06:40] A simple trash bin in a photo becomes a lesson in how quickly locations can be narrowed down. [08:03] Cynthia shares the sweatshirt example to show how a tiny image detail can identify a school and possibly a city. [09:32] Background clues seen during COVID video calls demonstrate how unintentional information leaks became routine. [11:12] A news segment with visible passwords highlights how everyday desk clutter can expose sensitive data. [12:14] She describes old threat-assessment techniques that relied on family photos and subtle personal cues. [13:32] Cynthia analyzes the balance and lighting of a Zoom backdrop, pointing out what investigators look for. [15:12] Virtual and real backgrounds each reveal different signals about a person's environment. [16:02] Reflections on screens become unexpected sources of intelligence as she notices objects outside the camera frame. [16:37] Concerns grow around how easily someone can be profiled using only public information. [17:13] Google emerges as the fastest tool for building a quick, surface-level profile of almost anyone. [18:32] Social media takes priority in search results and becomes a major driver of self-exposed data. [19:40] Cynthia compares AI tools to the early internet, describing how transformative they feel for investigators. [20:58] A poisoning case from the early '90s demonstrates how online expert communities solved problems before search engines existed. [22:40] She recalls using early listservs to reach forensic experts long before modern digital research tools were available. [23:44] Smarter prompts become essential as AI changes how OSINT professionals gather reliable information. [24:55] Cynthia introduces her C.R.A.W.L. method and explains how it mirrors the traditional intelligence lifecycle. [26:12] Hallucinations from AI responses reinforce the need for human review and verification. [27:48] We learn why repeatable processes are crucial for building trustworthy intelligence outputs. [29:05] Elegant-sounding AI answers illustrate the danger of unverified assumptions. [30:40] An outdated email-header technique becomes a reminder of how quickly OSINT methods evolve. [32:12] Managed attribution—hiding your digital identity—is explained along with when it's appropriate to use. [33:58] Cynthia unpacks the reality that the U.S. has no constitutional right to privacy. [35:36] The 1996 case that sparked her digital-vulnerability work becomes a turning point in her career. [37:32] Practical opt-out steps give everyday people a way to remove basic personal data from public sites. [38:31] She discusses how indirect prompting of AI tools can still narrow down someone's likely neighborhood or lifestyle. [39:58] Property and asset records emerge as unavoidable exposure points tied to government databases. [40:52] A high-risk client's situation shows how family members often create digital vulnerabilities without realizing it. [42:44] Threats that surface too late demonstrate why proactive intelligence work is essential. [44:01] Concerns about government surveillance are contrasted with the broader access private investigators actually have. [45:12] Train tracks become an example of how physical infrastructure now doubles as a modern data network. [46:03] She explains how audio signatures and forensic clues could theoretically identify a train's path. [47:58] Asset tracking becomes a global operation as valuable cargo moves between ships, trucks, and rail systems. [49:48] Satellite imagery makes monitoring even remote or underwater locations almost effortless. [51:12] Everyday applications of geospatial analysis include environmental changes and shifts within local communities. [52:19] Surveillance is compared to gravity; it's constant, invisible, and always exerting pressure. [52:44] Cynthia shares practical strategies for controlling your environment and keeping conversations private. [54:01] Resources like OSINT Academy, Information Exposed, and the Osmosis Association offer pathways for learning and strengthening personal privacy. [55:32] The episode closes with encouragement to stay aware of what you share and how easily digital clues can be connected. Thanks for joining us on Easy Prey. Be sure to subscribe to our podcast on iTunes and leave a nice review.  Links and Resources: Podcast Web Page Facebook Page whatismyipaddress.com Easy Prey on Instagram Easy Prey on Twitter Easy Prey on LinkedIn Easy Prey on YouTube Easy Prey on Pinterest Hetherington Group OSMOSIS OSINT Academy Cynthia Hetherington - LinkedIn OSINT: The Authoritative Guide to Due Diligence Business Background Investigations: Tools and Techniques for Solution Driven Due Diligence

    Cheques & Balances
    From One Property to Ten: Building a Property Empire Before 30 | Episode 419

    Cheques & Balances

    Play Episode Listen Later Dec 17, 2025 29:42


    From his first house at 18 to managing over ten projects a year - this is how Kyle turned building skills into a property empire.In this episode, we dive into Kyle's journey from buying his first property as a teenager to scaling a portfolio through joint ventures, private finance, and smart subdivision strategies. He shares how he mitigates risk, structures his business, and what it really takes to flip and develop properties successfully in today's market.Next Steps: Wanting to follow in Kyle's footsteps? Check out Property-CEO - a coaching and mentoring programme helping Kiwis learn the strategies, funding options, and systems to build wealth through property.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

    The Divorce and Separation Podcast
    Legal | Who Keeps the House After Separation?

    The Divorce and Separation Podcast

    Play Episode Listen Later Dec 17, 2025 15:42


    Buying out an ex from the family home after separation can feel overwhelming — financially, legally, and emotionally. In this episode, I'm joined by Christina Salvo, CEO and Founder of Simple Separation, to break down how the process actually works and what needs to happen first. We talk through the real sequence involved in buying out an ex — starting with negotiation and mediation, moving into formal agreements, and then looking at finance and title transfer. Christina explains why affordability and borrowing capacity need to be assessed early, what lenders look at when a joint mortgage becomes a sole loan, and why refinancing after separation is often misunderstood. We also cover what happens when both people want to keep the family home, how mediation helps reality-test options, and when court becomes the only remaining pathway. Christina clarifies common misconceptions around stamp duty and spousal transfers, including when exemptions apply for married and de facto couples. Finally, we talk about why every property settlement should include fallback provisions if finance approval falls through, and how having a safety net in place can protect both parties and reduce unnecessary stress. This episode is for anyone navigating separation, negotiating a property settlement, or trying to work out whether keeping the family home is financially viable. In this episode, we cover: Buying out an ex after separation Property settlements and formal agreements Refinancing vs new loans after separation Borrowing capacity and affordability Mediation and negotiation pathways Stamp duty exemptions and spousal transfers What happens if finance isn't approved Let's Keep the Conversation Going: Visit Divorce and Separation Hub to explore expert resources, courses, and programs tailored to your needs. Share your questions or comments you're not alone in this. Host: Nikki Parkinson, TEDx Speaker, Divorce Doula, Coach and Founder of The Divorce and Separation Hub. The Divorce and Separation Hub Website The Divorce and Separation Hub Instagram The Divorce and Separation Hub Facebook The Divorce and Separation Hub Linkedin Join our Divorce and Separation community HERE. Watch Nikki's TEDx Talk HERE. Guest: Christina Salvo, CEO, Simple Separation  Website   Instagram Loved This Episode? Support the podcast by subscribing, leaving a five-star review, and sharing it with someone who could use a little extra support right now. This podcast's audio production crafted by Dan at dankingproductions.com.au. This episode is sponsored by Simple Separation, the smarter way to separate. Simple Separation is an online, fixed-fee service designed to help Australian couples finalise their divorce and separation respectfully, collaboratively, and without the stress of going to court. From property settlements and parenting plans to child support and divorce applications, everything you need is under one roof, saving you time, money, and unnecessary conflict. Book your free consultation today to find out if Simple Separation is right for your situation at simple-separation.com.au. Disclaimer I hope you enjoyed the podcast today. The information we discussed today was just that information only. It is not specific advice. If you take action following something you heard today, it is important to make sure you get professional advice about your unique situation before you proceed, whether that advice be legal, financial, accounting, medical or other advice. Please reach out to me if you have any questions or if there's another topic you'd like explored.

    Law School
    Tort Law Chapter 3: Intentional Torts to Property and Related Defenses

    Law School

    Play Episode Listen Later Dec 17, 2025 42:12


    Navigating the Intersection of Ancient Torts and Modern TechnologyThis conversation provides a comprehensive overview of intentional torts related to property law, focusing on the distinctions between conversion, trespass, and nuisance. It explores the complexities of modern applications of these torts in light of technological advancements and the evolving legal landscape. The discussion also delves into the necessity defense, differentiating between public and private necessity, and emphasizes the importance of understanding these concepts for legal examinations.In the realm of tort law, the age-old principles of property rights are being challenged by the rapid advancements in technology. As we delve into the intricacies of conversion, trespass, and necessity, we find ourselves at a crossroads where centuries-old doctrines meet the digital age.The Evolution of Conversion and TrespassConversion, traditionally a tort involving the wrongful exercise of dominion over another's property, now extends beyond tangible chattels to include digital assets. The courts have begun to recognize the conversion of electronic records, acknowledging their economic value akin to physical documents. This shift is crucial as it aligns legal frameworks with contemporary realities, ensuring that intangible assets receive the protection they deserve.Similarly, the concept of trespass has evolved. While the physical invasion of land remains a clear-cut case, the advent of drones and subterranean activities like fracking have blurred the lines. The question of how far property rights extend vertically and horizontally is more pertinent than ever, prompting courts to adapt and redefine boundaries in response to technological advancements.The Role of Necessity in Modern TortsThe defense of necessity, both private and public, offers a fascinating lens through which to view these changes. Private necessity allows individuals to infringe upon property rights to prevent greater harm, yet it demands compensation for any damage caused. Public necessity, on the other hand, often grants complete privilege to actions taken for the greater good, such as preventing a citywide disaster.As we grapple with these evolving legal landscapes, the balance between protecting individual rights and accommodating societal progress remains a delicate one. The law must continue to adapt, ensuring that it serves justice in an ever-changing world.The intersection of ancient torts and modern technology presents both challenges and opportunities. As we navigate this complex terrain, the need for a nuanced understanding of property rights and their application in the digital age becomes increasingly clear. By embracing these changes, the legal system can uphold its foundational principles while fostering innovation and progress.Subscribe now to stay informed on the latest developments in tort law and how they impact our digital world.TakeawaysIntentional torts involving property are foundational in law.Conversion requires a serious interference with property rights.The distinction between conversion and trespass is crucial for legal analysis.Modern technology challenges traditional definitions of property rights.Nuisance law allows for balancing competing interests in property use.Public necessity can grant complete privilege without compensation.Private necessity allows for trespass but requires compensation for damages.Legal definitions must adapt to contemporary realities and technologies.Understanding the seriousness standard is key for tort law exams.The necessity defense is a morally compelling aspect of tort law.intentional torts, property law, conversion, trespass, nuisance, necessity defense, legal framework, bar exam, property rights, modern technology

    Sportsmen's Nation - Whitetail Hunting
    Whitetail Landscapes - Compost Teas, Small Property Equals Big Bucks, Box Blind Setups, Scent Free Hunting

    Sportsmen's Nation - Whitetail Hunting

    Play Episode Listen Later Dec 16, 2025 44:11


    In this episode of Maximize Your Hunt, Jon Teater and guest Jake Ehlinger (Habitat Solutions 360) delve into advanced hunting strategies, focusing on compost teas for food plot production, effective box blind setups, and meticulous scent control. They share insights from Jake's recent success in harvesting a significant buck, discussing the importance of timing, environmental conditions, and strategic planning in hunting. The conversation also emphasizes the significance of hygiene and scent management, along with lessons learned from the hunting season that can inform future strategies. Takeaways: Compost teas can significantly enhance food plot production. Strategic box blind setups are crucial for successful hunts. Scent control is essential for minimizing deer detection. Timing and environmental conditions greatly influence deer movement. Understanding deer behavior is key to successful hunting. Hygiene practices can impact hunting success. Learning from past experiences can improve future strategies. The importance of patience and observation in hunting. Utilizing technology like cameras can aid in tracking deer. Building a conducive habitat is vital for attracting deer. Social Links http://habitatsolutions360.com/ https://www.facebook.com/HabitatSolutions360 https://www.youtube.com/channel/UCetSptPTK0gmg0BE5oRnTTA https://whitetaillandscapes.com/ https://www.facebook.com/whitetaillandscapes/ https://www.instagram.com/whitetail_landscapes/?hl=en Learn more about your ad choices. Visit megaphone.fm/adchoices

    Pave The Way Podcast with Greg Helbeck
    When Should You Sell a Rental Property?

    Pave The Way Podcast with Greg Helbeck

    Play Episode Listen Later Dec 16, 2025 8:03


    When should you sell a rental property? Most investors say never sell — but after 10+ years and nearly 500 deals, I can tell you that isn't always true. In this REI Weekly Lesson, I break down when it actually makes sense to sell, how to think about return on equity, and why peace of mind and portfolio optimization matter.   Have a house to sell? Hudson Valley, Delaware, or Seattle

    Whitetail Landscapes - Hunting & Habitat Management
    EP206 Compost Teas, Small Property Equals Big Bucks, Box Blind Setups, Scent Free Hunting

    Whitetail Landscapes - Hunting & Habitat Management

    Play Episode Listen Later Dec 16, 2025 41:41


    In this episode of Maximize Your Hunt, Jon Teater and guest Jake Ehlinger (Habitat Solutions 360) delve into advanced hunting strategies, focusing on compost teas for food plot production, effective box blind setups, and meticulous scent control. They share insights from Jake's recent success in harvesting a significant buck, discussing the importance of timing, environmental conditions, and strategic planning in hunting. The conversation also emphasizes the significance of hygiene and scent management, along with lessons learned from the hunting season that can inform future strategies.Takeaways:Compost teas can significantly enhance food plot production.Strategic box blind setups are crucial for successful hunts.Scent control is essential for minimizing deer detection.Timing and environmental conditions greatly influence deer movement.Understanding deer behavior is key to successful hunting.Hygiene practices can impact hunting success.Learning from past experiences can improve future strategies.The importance of patience and observation in hunting.Utilizing technology like cameras can aid in tracking deer.Building a conducive habitat is vital for attracting deer.Social Linkshttp://habitatsolutions360.com/https://www.facebook.com/HabitatSolutions360https://www.youtube.com/channel/UCetSptPTK0gmg0BE5oRnTTAhttps://whitetaillandscapes.com/https://www.facebook.com/whitetaillandscapes/https://www.instagram.com/whitetail_landscapes/?hl=en Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    Denver Real Estate Investing Podcast
    #594: Scaling to 4 Properties Without a Raise: The House Hack Stack Strategy

    Denver Real Estate Investing Podcast

    Play Episode Listen Later Dec 16, 2025 29:48


    House hacking in Colorado just paid off for 30-year-old Carly Caprio. She’s living for free in a Lakewood fourplex after completing her fourth house hack in 2025. Even better? When she moves out next year, this property will generate over $2,500 in monthly profit while she continues building her portfolio toward early retirement. Chris Lopez sits down with Carly Caprio, one of the most disciplined house hackers in Colorado, alongside regular panelists Jeff White (Envision Advisors) and Troy Howell (Nova Home Loans). Carly’s journey started with a $17,500 first-time buyer grant that made her first townhouse purchase possible despite working a nonprofit job. Since then, she’s converted properties from 3 to 5 bedrooms and 5 to 6 bedrooms, navigated challenging tenants including paranoid relapses and 3am emergency calls, pivoted to Section 8 when needed, and most recently locked up an all-brick Lakewood fourplex for $849,500 with just 5% down. What makes Carly’s story particularly compelling is her rock-solid financial discipline. Troy Howell confirms she’s increased her savings dramatically between properties while maintaining zero car payments and living below her means. The result? She’s already matched her W2 income through rental cash flow and qualified for progressively larger properties without any salary increases. Her fourplex currently rents three units at $1,750 each while she lives for essentially free in the fourth unit. Once she moves out, the projected income jumps to $7,780 monthly against a $5,454 mortgage payment. Jeff White calls Carly his “Mount Rushmore” house hacker for good reason. She didn’t chase trendy strategies or overextend herself. Instead, she executed the same proven playbook four times, learning from each property and improving her systems. When faced with disastrous tenants (one who stood in doorways watching people sleep, another who drank two bottles of tequila and one bottle of vodka within 48 hours), she adapted her screening process and converted to Section 8 rather than quitting. When friends expressed fear about living with strangers, she demonstrated how to maintain control over tenant selection while building serious wealth. In This Episode We Cover: $17,500 first-time buyer grant that launched Carly’s 4-property portfolio Why 2-4 unit properties are easier to qualify for than single-family homes How debt-to-income improves with each house hack (no salary increase needed) Converting 3-bed townhouse to 5-bed using existing egress windows Managing terrible tenants and when to pivot from rent-by-room to Section 8 $849,500 Lakewood fourplex breakdown: 5% down, 6% rate, $1,750/unit rents Living free now vs $2,500 monthly profit when she moves out Financial discipline tactics that matched her W2 income in three years Why the first property is hardest and subsequent deals get easier Female investor perspectives on safety and building wealth through house hacking And So Much More! Carly’s story proves house hacking in Colorado isn’t dead despite 6% interest rates and higher property prices in 2025. With the right financing strategy, disciplined savings habits, and willingness to sacrifice short-term comfort for long-term wealth, reaching financial freedom in your 30s remains achievable. Whether you’re a woman considering your first house hack or an experienced investor looking for inspiration, Carly’s methodical approach and honest discussion of challenges offers a realistic roadmap. Watch the YouTube Video https://youtu.be/569rUnGaVmw Timestamps 00:00 – Welcome & Guest Introduction02:33-Meet Carly: 30 Years Old, 4 House Hacks, Financial Freedom Achieved05:21– Finding Her First Property in Just 2 Showings06:44 – Wild Tenant Stories: Relapses, Paranoia, and 3AM Calls 09:30 – Pivoting to Section 8 Strategy 10:35– Property #4: The Lakewood Fourplex at $849,50012:15 – Qualifying Power: Why 2-4 Units Beat Single Family15:17 – Deal Breakdown18:43 – First 6 Weeks: Smooth Operations, Tenant Transition, Paying in Cash20:48 – Long-Term Vision Including Early Retirement and Moving to Colombia21:44 – Advice for Female Real Estate Investors25:24 – How Carly Matched Her W2 Income in Under 3 Years28:00 – First-Time Buyer Grants: $17,500 Free Money That Changed Everything29:14 – The Truth About House Hacking: First One’s Hardest, Then It Gets Easier Connect with our Guests: Carly Caprio: carly.caprio@gmail.com Jeff White: jeff@envisionrea.com Troy Howell: troy.howell@novahomeloans.com LinkedIn: Troy Howell Website: https://www.novahomeloans.com/loan-officer/troy-howell/ Who is Nova Home Loans? For over 40 years, we've been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today! NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO

    She's On The Money
    You Can Invest in Property With $5. Yes, Really. (A Beginner's Guide to REITs)

    She's On The Money

    Play Episode Listen Later Dec 16, 2025 44:53 Transcription Available


    If you’ve ever looked at property prices and thought, cool, guess I’ll just rent forever then, this episode is for you. Because while the white picket fence dream might feels further away than ever, that doesn’t mean property investing is completely off the table. This ep is your DIY guide to becoming a trust fund baby... a real estate investment trust fund baby. Victoria is breaks down the other way to get property exposure without a mortgage, stamp duty, or a single call about a broken hot water system aka REITs. Think shopping centres, warehouses, data centres and supermarkets… without owning the building, chasing rent, or committing your entire financial future to one postcode.In this ep:

    The Real View
    AI Mistakes That Could Cost You

    The Real View

    Play Episode Listen Later Dec 16, 2025 30:42


    Josh Ries joins this week's episode to discuss his journey from a major AI misstep to mastering practical, affordable tools that help real estate agents save time, avoid common pitfalls, and stay ahead of what's next in the world of AI.Full Description / Show NotesJosh's history and career backgroundA big AI mistake he madeHow he rebounded and what he learnedHow he's using AI todayHow agents can get started with using AIPractical examples of ways to use AI that are time and money-friendlyBiggest mistakes agents make when using AI and what to stay away fromWhat's next in the world of AI

    PLRB on Demand
    Fire on the Farm

    PLRB on Demand

    Play Episode Listen Later Dec 16, 2025 21:20


    Sod's Country Farms was raising 65,000 chickens when a fire burned down the poultry house. After a detailed investigation, the cause of the fire was undetermined. To further complicate matters, Sod's Country Farms didn't even own the chickens themselves, but raised them for a vendor. They want to know if the property loss of the  animals is covered-- and what policy would be most appropriate.   Notable Timestamps [ 00:00 ] - A poultry house fire destroys 65,000 chickens, but the insured doesn't own the birds. [ 03:30 ] - Contract Growing is common in agriculture, with farmers raising animals owned by vendors.  [ 05:20 ] - Under the ISO BOP, animals are generally excluded, but exceptions exist for animals owned by others and "boarded" by the insured. [ 07:00 ] - Courts may rely on dictionary definitions when policy terms like "boarded" are undefined. [ 09:00 ] - Adjusters should review the contract for risk transfer provisions, insurance requirements, and other-insurance clauses to understand responsibilities and potential overlap. [ 11:30 ] - Standard BOP coverage can fall short for farming operations. Specialized farm policies are designed to address poultry risks more directly through scheduling and declaration-based coverage. [ 13:30 ] - Declarations pages matter in agricultural losses. How buildings, poultry locations, and coverage types are defined can determine whether coverage applies or is excluded. [ 15:30 ] - Valuing large-scale poultry losses is complex, involving age, weight, market timing, pricing data, and delay to market, often guided by specific policy language on cash market value. [ 17:15 ] - Brennan summarizes the key points above. Your PLRB Resources Annotation: BP191 - Animals - https://members.plrb.org/documents/bp191-animals Podcast Episode: Don't Count Your Chicken Coops Before They're Insured - https://members.plrb.org/education/courses/dont-count-your-chicken-coops-before-theyre-insured Listeners can email education@plrb.org for help navigating resources, requesting new content, or getting tailored curriculum support. Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

    Real Estate Investor Dad Podcast ( Investing / Investment in Canada )
    How To Determine How Much Your Property Is Worth (The Right Way) | Real Estate Investing Canada | Alberta

    Real Estate Investor Dad Podcast ( Investing / Investment in Canada )

    Play Episode Listen Later Dec 16, 2025 68:46


    How To Determine How Much Your Property Is Worth (The Right Way) Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Intro Today's episode dives into one of the most common questions homeowners and investors ask: How do I know what my property is actually worth? Whether you're considering refinancing, pulling equity for your next rental, or simply curious about market value — understanding how to properly evaluate your property's worth is essential. We break down the right and wrong ways to determine value, including property tax assessments, HonestDoor, CMAs, appraisals, and the surprising pitfalls investors often miss. This episode is a must-listen for anyone planning to scale their portfolio in 2026.

    Honest Property Investment with Natasha Collins
    2 Powerful Ways To Increase Commercial Property Value (Without Developing)

    Honest Property Investment with Natasha Collins

    Play Episode Listen Later Dec 16, 2025 21:32


    This year, I've seen a lot of investors buying good commercial and mixed-use buildings... but quietly leaving value on the table. Not because the buildings are wrong, but because of how they're assessed and how they're held.In this episode, I break down two strategies I've personally used this year to increase commercial property value without development:• Buying mixed-use property without pulling value into the residential unit • Structuring ownership correctly by splitting assets between a SSAS and a Ltd companyThese are not beginner tactics, but when applied correctly, they can materially change value, financeability and exit options.What You'll Learn• Why over-valuing the residential element in mixed-use property often destroys deal quality • How commercial valuers and lenders actually assess mixed-use buildings • Why residential units should often be treated as upside, not justification • How ownership structure can influence value, risk and long-term strategy • When splitting a building between a SSAS and a Ltd company makes sense • The biggest mistakes investors make when attempting these strategies without adviceReady to Go Deeper?Book a call with the NC Real Estate team.

    Rental Property Owner & Real Estate Investor Podcast
    How to Get Tenants to Pay Rent on Time and Build Credit with Lily Liu

    Rental Property Owner & Real Estate Investor Podcast

    Play Episode Listen Later Dec 15, 2025 23:31


    One of the biggest challenges for rental property owners is ensuring residents pay on time—and keeping them motivated to stay. What if you could turn rent into a win-win, boosting your cash flow while helping tenants improve their credit and earn rewards? In this episode, Brian talks with Lily Liu, founder and CEO of Pinata, a fast-growing platform that transforms rent payments into financial progress. Lily shares how Pinata helps: Renters build credit by reporting on-time payments to all three bureaus Property owners increase on-time payments by 20% or more Landlords and managers reduce turnover with rewards that matter—groceries, utilities, everyday essentials Owners generate ancillary revenue with resident benefit packages With over a million renters already using Pinata, Lily explains how the system works, what it costs, and why forward-thinking landlords are adding it to their toolkit. If you're looking for practical ways to improve collections, boost retention, and give your tenants real value, you won't want to miss this conversation. Find out more: pinata website - https://www.pinata.ai/ Today's episode is brought to you by Green Property Management, managing everything from single family homes to apartment complexes in the West Michigan area. https://www.livegreenlocal.com And RCB & Associates, helping Michigan-based real estate investors and small business owners navigate the complex world of health insurance and medicare benefits. https://www.rcbassociatesllc.com

    Mining Stock Daily
    Mithril Silver and Gold on New Exploration Results and Adding the La Dura Property to the Portfolio

    Mining Stock Daily

    Play Episode Listen Later Dec 15, 2025 15:05


    John Skeet from Mithril Silver and Gold discusses the latest developments at the Copalquin project in Mexico, including high-grade channel samples, drilling updates for multiple targers and the strategic acquisition of the La Dura property. He also addresses the regulatory environment in Mexico and the company's expectations for the future.

    The Evernest Real Estate Investor
    Episode 135: I Bought My First Commercial Property… (Then Everything Went Wrong)

    The Evernest Real Estate Investor

    Play Episode Listen Later Dec 15, 2025 59:37


    Co-host Adam Hobson shares the hard lessons he learned when buying his first commercial investment property - from the questions he should have asked to the pitfalls he fell into so that your first deal goes more smoothly. You'll learn: How commercial real estate differs from residential real estate as a money-making strategy The power behind a triple-net lease (and how it's just like owner-financing) What Adam would do differently after 15+ years of experience How he turned it all around (and made a five-figure profit) =================================== Connect with Matt and Spencer at Evernest: Evernest.co Hosts: Spencer Sutton and Adam Hobson Visit the Podcast Website: Evernest.co/podcasts Email the Show: podcast@evernest.co =================================== Production House: Flint Stone Media Copyright of Evernest 2025.

    The Marc Cox Morning Show
    Election Integrity, Tariffs, and New York Property Policy with Hans von Spakovsky

    The Marc Cox Morning Show

    Play Episode Listen Later Dec 15, 2025 7:53


    Marc speaks with Hans von Spakovsky about pressing legal and political issues. They discuss pending Supreme Court cases, including transgender athlete rulings and presidential authority over federal agencies, as well as Trump-era tariff refunds. Hans and Marc also dive into election integrity, focusing on Arizona's 218,000 voters lacking proof of citizenship and the potential use of e-Verify for voter registration. They close with discussion of New York City's controversial plan requiring landlords to offer properties to nonprofits before selling on the open market, warning of legal and economic implications.

    Buckmasters Outdoors Podcast
    Managing Your Hunting Property Year-Round with Norm Haley from Alabama Extension

    Buckmasters Outdoors Podcast

    Play Episode Listen Later Dec 15, 2025 30:32


    In this episode, we sit down with Norm Haley from @AlabamaExtension to talk all things land management. Norm walks us through practical, year-round steps you can take to improve your property for a wide range of wildlife. His insights gave us a deeper understanding of how to care for our own land, and we hope they do the same for you. ACE's Website: https://www.aces.edu/ Support us by subscribing, liking, and sharing! New Merch: https://www.buckmasters-store.com Follow us on: Facebook: https://www.facebook.com/buckmasters/ Instagram: https://www.instagram.com/buckmastersnation/ TikTok: https://www.tiktok.com/@buckmastersnation Twitter: https://twitter.com/bmnation YouTube: https://www.youtube.com/buckmastersmagazine

    The Michael Yardney Podcast | Property Investment, Success & Money
    Domain's Bold Property Forecasts for 2026 - with Dr. Nicola Powell

    The Michael Yardney Podcast | Property Investment, Success & Money

    Play Episode Listen Later Dec 15, 2025 44:29


    At this time every year we get flooded with predictions about what's next for Australia's housing markets. Some of them are useful… a lot of them are noise.   But every so often, a report comes along that genuinely moves the needle and helps us see the bigger picture.   Domain's Forecast Report 2026 is one of those.   It paints a pretty fascinating story: record prices in every capital city, rents still on the rise, and perhaps the most powerful first-home buyer surge we've seen in decades.   And it's not just more of the same – the data suggests our markets are shifting into a whole new gear, driven by policies, sentiment changes, and the slow rebalancing of supply.   And there are some interesting twists as to how Domain sees the housing markets play out over the next 12 months.   So today I chat with Dr Nicola Powell, Domain's Chief of Research and Economics, to help us unpack what's really coming in 2026, why this cycle is so different, and what the winners and losers might be.   Takeaways  ·         2026 is expected to be a year of two halves in the property market. ·         First home buyers are returning, aided by government schemes. ·         Investors are also increasing their market share. ·         Interest rates will significantly influence property prices. ·         Sydney is forecasted to lead in house price growth. ·         Affordability remains a critical challenge for buyers. ·         Rental markets are expected to see modest growth. ·         Regional differences in property performance are notable. ·         The cash rate is a key factor in market dynamics. ·         Sustainable growth is preferred over rapid price increases.   Chapters    00:00  Domain's 2026 forecast signals record prices and shifting market forces. 02:01  Key drivers behind the synchronized upswing across all capitals. 03:03  Momentum builds as confidence rises and supply tightens. 05:55  Investors and first-home buyers return, intensifying competition. 07:46  The expanded guarantee scheme reshapes borrowing and demand. 09:38  Rate expectations and affordability caps guide market behaviour.   Links and Resources:   Answer this week's trivia question here - https://www.propertytrivia.com.au/ ·        Win a hard copy of How to grow a multi-million dollar property portfolio in your spare time. ·        Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us     Michael Yardney – Subscribe to my Property Update newsletter here   Dr Nicola Powell, Chief of Research and Economics at Domain.   Domain Property Forecast Report:  https://propertyupdate.com.au/?p=192486&   Join us at Australia's Premier Wealth Retreat for Elite Business Investors and Business People on the Gold Coast on May 30th. Find out all about Wealth Retreat here. https://wealthretreat.com.au/     Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au    Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. 

    The Big Picture Blueprint: Navigating Land, Real Estate, and Business Success
    Massive Profits from Distressed Property Acquisitions with Logan Fullmer

    The Big Picture Blueprint: Navigating Land, Real Estate, and Business Success

    Play Episode Listen Later Dec 15, 2025 44:56


    In this episode, we bring Logan Fulmer back for his third round, and we go straight into what he does best, distressed property acquisition, without the hype. Logan breaks it down through three real stories, a five figure deal, a six figure deal, and a seven figure deal, and he starts with a reality check, price does not mean simple. Some “small” deals are a nightmare, and some big deals get solved fast once you know what you are looking at.You will hear how he actually finds opportunities, spotting price gaps, checking taxes, pulling deed records, and following the paper trail until the truth shows up. From a title mess tied to a marriage and an abandoned spouse, to an industrial tract with a $400,000 tax bill, to an estate deal that turned into hard litigation, Logan keeps coming back to one edge, a framework for solving problems. Ask why, keep digging, map the chain, read the documents, and do not panic when it looks ugly.If you want a smarter way to think about distressed deals, risk, and real operations, this conversation will help. It is a clear look at how deals move from lead to close, what skills matter most, and why the people who win are not the loudest, they are the ones who stay steady and finish the work.===Key Topics:-Distressed property acquisition frameworks-Five, six, and seven figure deal realities-Finding deals through public records and price gaps-Solving title, tax, and legal problems-Building calm decision making under pressure===Unlock the real estate secrets that can turn throwaway leads into $50K–$100K+ profits! Join the Distressed Property Acquisition Summit 2026 — a full-day, hands-on training with Logan Fullmer and expert investors. Get your ticket now!Click here: https://event.dpasummit.com/2026-322395?am_id=MM===

    BiggerPockets Real Estate Podcast
    How to Calculate Cash Flow on a Rental Property

    BiggerPockets Real Estate Podcast

    Play Episode Listen Later Dec 12, 2025 34:27


    Before you buy your first (or next) real estate deal, you need to know one thing—how to calculate cash flow on a rental property.  The problem? 99% of investors do this wrong and get burned as a result. That's why after buying dozens of rental properties, we've come up with arguably the most accurate way to calculate real estate cash flow, and today, we're showing you how to do it, too. Joining us is Ashley Kehr from the Real Estate Rookie podcast, who's been buying rentals routinely for over ten years now. We'll use the BiggerPockets Rental Property Calculator (which you can try for free!) to run numbers on a real rental property Dave is looking to buy right now. You'll learn exactly how to estimate both fixed and variable expenses, how much emergency reserves to set aside, how to account for property management fees, vacancy, repairs, and more, plus what to do to instantly boost your potential cash flow before you buy! In This Episode We Cover How to calculate cash flow on any rental property before you submit an offer The easiest way to increase your cash flow if it's not hitting the mark What a good deal looks like to Ashley and Dave (when they'd submit an offer) How to estimate your expenses (accurately) so you get the most cash flow possible  How much cash flow should you be making in 2026?  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1212 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

    The John Batchelor Show
    S8 Ep187: Penang's Boom Contrasts with China's Decline: Colleague Charles Ortel contrasts Penang's economic boom and diverse hardworking culture with China's decline, discussing China's suppressed financial data and property crisis with Gordon Chang,

    The John Batchelor Show

    Play Episode Listen Later Dec 11, 2025 10:50


    Penang's Boom Contrasts with China's Decline: Colleague Charles Ortel contrasts Penang's economic boom and diverse hardworking culture with China's decline, discussing China's suppressed financial data and property crisis with Gordon Chang, arguing Western elites were "bought off" by Beijing while investors should demand transparency regarding assets trapped in ChiNA. 1916

    The Dan Le Batard Show with Stugotz
    The Big Suey: The Property-Off

    The Dan Le Batard Show with Stugotz

    Play Episode Listen Later Dec 10, 2025 41:42


    "Tyler Baron has a knee." It's time for a play-by-play breakdown of how a man who swallowed a Faberge egg had it travel through his system. Also, I know what the "external locus of control" is, but Zas doesn't, so can you tell him? Learn more about your ad choices. Visit podcastchoices.com/adchoices

    The MFCEO Project
    975. Andy & DJ CTI: Piers Morgan Explodes On Nick Fuentes Over Hitler Remarks, Mamdani Encourages Illegals To "Stand Up" To ICE & Gunman Opens Fire Outside Tim Pool's Property

    The MFCEO Project

    Play Episode Listen Later Dec 9, 2025 94:23


    On today's episode, Andy & DJ break down the fiery exchange between Piers Morgan and Nick Fuentes after Fuentes called Hitler "cool," the viral clip of Zohran Mamdani instructing illegal aliens on how to stand up to ICE agents, and Tim Pool's revelation that a gunman in a vehicle opened fire on his property in a disturbing late night incident.

    Tim Pool Daily Show
    Tim Pool Addresses Shots Fired At His Property, This Is The End

    Tim Pool Daily Show

    Play Episode Listen Later Dec 8, 2025 98:10


    We cannot continue like this as a country nor company. Change must be made Become A Member http://youtube.com/timcastnews/join The Green Room - https://rumble.com/playlists/aa56qw_g-j0 BUY CAST BREW COFFEE TO FIGHT BACK - https://castbrew.com/ Join The Discord Server - https://timcast.com/join-us/ Hang Out With Tim Pool & Crew LIVE At - http://Youtube.com/TimcastIRL