Podcasts about pros you

Should or May   As a blind person, I am told that I should be an advocate for other blind people and for accessible services and technology. What are the pros and cons of this position? As an advocate for other blind people and for accessible services and technology, there are both pros and cons to consider.   Pros: - You can be a voice for the blind community and raise awareness about their needs, rights and issues they face - You can work towards creating a more inclusive and accessible environment for blind people - You can help shape policies and regulations by advocating to lawmakers and government officials - You can build a sense of community and support among blind individuals and their families   Cons: - Advocacy work can be time-consuming and emotionally draining, and may require significant effort to see visible results - You may face opposition or criticism from people who don't understand or value the importance of accessible services and technology for blind people - Depending on the scale of your advocacy work, there may be legal and financial implications that you need to consider - Being a public advocate can also bring unwanted attention and scrutiny to your personal life.   Ultimately, being an advocate for other blind people and for accessible services and technology can be a rewarding and impactful way to make a difference in the world. However, it's important to carefully consider both the benefits and challenges before taking on the role. Should I advocate for blindness issues just because I am a blind person. Is it a responsibility or a choice? Advocating for blindness issues as a blind person is a personal choice rather than a responsibility. While it's true that blind individuals face unique challenges and often have valuable insights and perspectives to share, not all blind people may feel inclined or equipped to engage in advocacy work.   That being said, being an advocate for blindness issues can be a way to advance the cause of accessibility and inclusion for yourself and other blind people. It can also be a way to build a sense of community and support among blind individuals and their families.   Ultimately, whether or not you choose to advocate for blindness issues is up to you. If you do decide to engage in advocacy work, it's important to approach it in a way that feels meaningful and sustainable for you, whether that's through direct action, community building, policy work, or other means. If I choose to advocate, what are the 10 most important points I should be making. As an advocate for blindness issues, here are ten important points to consider making:   Accessible education: Blind individuals should have equal access to education and be provided with the necessary accommodations to succeed academically.   Employment: Blind individuals should have equal opportunities to work, and workplaces should be made accessible to people of all abilities.   Accessibility: Blind individuals should be able to access essential services and technologies, such as transportation, communication, and information, in an accessible and equitable way.   Inclusion: Blind individuals should be included in all aspects of society and should not face discrimination or exclusion based on their disability.   Training and skills development: Blind individuals should have opportunities to gain skills and training to overcome barriers they face in the workplace, in education, and in their personal lives.   Research and innovation: There should be ongoing research and innovation to improve the quality of life for blind individuals, including advancements in technology and accessibility.   Advocacy and representation: Blind individuals and their families should have access to advocacy and representation to ensure that their rights and needs are addressed at all levels of society.  

Should or May   As a blind person, I am told that I should be an advocate for other blind people and for accessible services and technology. What are the pros and cons of this position? As an advocate for other blind people and for accessible services and technology, there are both pros and cons to consider.   Pros: - You can be a voice for the blind community and raise awareness about their needs, rights and issues they face - You can work towards creating a more inclusive and accessible environment for blind people - You can help shape policies and regulations by advocating to lawmakers and government officials - You can build a sense of community and support among blind individuals and their families   Cons: - Advocacy work can be time-consuming and emotionally draining, and may require significant effort to see visible results - You may face opposition or criticism from people who don't understand or value the importance of accessible services and technology for blind people - Depending on the scale of your advocacy work, there may be legal and financial implications that you need to consider - Being a public advocate can also bring unwanted attention and scrutiny to your personal life.   Ultimately, being an advocate for other blind people and for accessible services and technology can be a rewarding and impactful way to make a difference in the world. However, it's important to carefully consider both the benefits and challenges before taking on the role. Should I advocate for blindness issues just because I am a blind person. Is it a responsibility or a choice? Advocating for blindness issues as a blind person is a personal choice rather than a responsibility. While it's true that blind individuals face unique challenges and often have valuable insights and perspectives to share, not all blind people may feel inclined or equipped to engage in advocacy work.   That being said, being an advocate for blindness issues can be a way to advance the cause of accessibility and inclusion for yourself and other blind people. It can also be a way to build a sense of community and support among blind individuals and their families.   Ultimately, whether or not you choose to advocate for blindness issues is up to you. If you do decide to engage in advocacy work, it's important to approach it in a way that feels meaningful and sustainable for you, whether that's through direct action, community building, policy work, or other means. If I choose to advocate, what are the 10 most important points I should be making. As an advocate for blindness issues, here are ten important points to consider making:   Accessible education: Blind individuals should have equal access to education and be provided with the necessary accommodations to succeed academically.   Employment: Blind individuals should have equal opportunities to work, and workplaces should be made accessible to people of all abilities.   Accessibility: Blind individuals should be able to access essential services and technologies, such as transportation, communication, and information, in an accessible and equitable way.   Inclusion: Blind individuals should be included in all aspects of society and should not face discrimination or exclusion based on their disability.   Training and skills development: Blind individuals should have opportunities to gain skills and training to overcome barriers they face in the workplace, in education, and in their personal lives.   Research and innovation: There should be ongoing research and innovation to improve the quality of life for blind individuals, including advancements in technology and accessibility.   Advocacy and representation: Blind individuals and their families should have access to advocacy and representation to ensure that their rights and needs are addressed at all levels of society.  

Summary: There are so many types of bird feeders on the market and you may be asking which one is best! Join Cheryl and Kiersten as they discuss the differences, pros, and cons of tube feeders and cylinder feeders.   For our hearing impaired listeners, a transcript of this podcast follows the show notes on Podbean. Show Notes: Tube and Cylinder Feeders: www.wbu.com/mesa Background bird song:  Naturescapes Backyard Birds www.naturescapes.com   Our email address, please reach out with comments, questions, or suggestions: thefeathereddesert@gmail.com   Transcript Host Voice: Welcome to The Feathered Desert's What's That Bird? A three-minute glimpse into the birds we share this amazing desert landscape with.   Cylinder Feeders versus Tube Feeders Kiersten: Intro: Welcome to the Feathered Desert. Today we're talking bird feeders. There seems to be two camps in the backyard bird feeding world when it comes to preferences of feeders and that is cylinder feeders and tube feeders. Sometimes people prefer one or the other and sometimes people use both. So, we're going to talk about the differences today!   Cheryl: Let's start off talking about what each feeder actually is. The cylinder feeders hold seed cylinders that are cylindrical in shape, are made of various seed mixtures, and are held together with unflavored gelatin. At Wild Birds Unlimited store, you can find feeders that hold cylinders of three different sizes, the stackable that looks like a hockey puck, the small cylinder which looks like a pillar candle and is 1.75 pounds of seed, and the large cylinder that is four pounds of seed.               The tube feeder is what you use loose seeds in and those are the feeders with the clear tube and perches for the birds to sit on. There are typically two types of tube feeder. One will have larger ports for seed mixes with larger seeds such as sunflower seeds and peanuts. The other tube feeder is aimed at finches and will have a tiny port that allows only Nyjer seed to come through. You don't want to get these two mixed up because the seeds cannot fit through the port properly.   Kiersten: Okay now that we know what each feeder actually is, let's talk about each one in a bit more detail. I know when we are working at the WBU in Mesa we often get customers who ask which is better. The best answer for that is whichever fits easily into your lifestyle, but there are a few pros and cons to each type of feeder. Looking at cylinder feeders. Pros: Very easy to replace the food. No messy seed you are scooping. Just open the top of your feeder and plop a new cylinder inside. You can change up the type of seed mixture very easily. Just buy a new flavor of cylinder. No need to use up a 20 lbs bag of seed before you try something new. Less seeds fall on the ground to attract unwanted larger birds that will remain nameless. Seed cylinders can last longer than one full tube feeder. Sometimes, depending on which birds you are feeding. Most cylinder feeders are a grid design or open to give birds access to the food, so cleaning these feeders is much simpler than a tube feeder. Although you still need to make sure you are cleaning them. The gris design is also helpful for cutting back on larger birds getting to the food because only smaller birds are good at clinging. Not 100%. Cons: Buying cylinders can be more expensive than buying loose seed. The seed cylinder will dissolve in heavy or all-day rain. It may take the birds a little bit longer to try out this kind of feeder if they are not used to it, but once they know what it is they'll be all over it. Cheryl: Now let's look at the tube feeders. Pros: You can buy four different sizes at WBU stores and that lets you determine how much food you wish to give the birds access to at a time. You can mix your own seed blends if you like. If you don't like a pre-made seed blend you can custom make your own. The style is pretty universal so birds may be attracted to it a bit faster than a cylinder feeder. Although remember that any new feeder can take the birds a little while to use. More nuisance animal deterrent options available. The tube offers better protection against the rain. Cons: It is typically easier for larger birds to use the perches. Depending on how you feel about that you may not like this feeder as well. It can be a bit messier with the seed falling through the ports when a heavy wind blows or a large bird jostles the feeder. Birds can typically eat through the food faster because they don't have to work at getting the seed off of a cylinder of seed. Can be more difficult to clean, but you can use a bottle brush to get down the tube and into the port holes.   Kiersten: Those are some pros and cons to both cylinder feeders and tube feeders that will hopefully make choosing a style easier for you. When you go to your local Wild Birds Unlimited or bird feeding hobby store look at both styles and see which one you like. Ultimately, the best feeder is the one that fits into you lifestyle and is the easiest for you to clean.

If you're looking to really ramp up your revenue and scale your business to the deca-millions there are two strategies to choose from; the inside sales model and the independent freight business model. For this episode of Freight Broker Boot Camp, I break down the pros and cons of each strategy and share which one of these two models I used as a former freight broker-owner.   Timestamps: [00:00] The best way to scale your freight broker business to 50 million or more in sales [00:59] The inside sales model [02:35] Pros: You have more control [02:56] Pros: Easier to create a high growth culture [03:19] Cons: Limited to your local area [03:38] Cons: Having a strong hiring and training process [04:00] Cons: Can be more expensive [04:36] The independent freight business model [06:06] Pros: Not limited to your local geography [06:27] Pros: Ability to attract experienced talent [06:50] Pros: You don't need a large physical office [07:28] Pros: Save money [07:54] Cons: Can be very competitive [08:33] Cons: Higher cost of sales [09:00] Cons: Less control over freight agents [10:22] Subscribe, Rate & Review! ---------------------------------- If you enjoyed this episode, please RATE / REVIEW and SUBSCRIBE to ensure you never miss an episode. Connect w/ Dennis & Learn More! Connect with me on LinkedIn Learn to Become A Freight Broker/Agent in 30 Days or Less! Watch Freight Broker Training Videos FREE

The term side hustle can mean different things to different people, and even different things at different points in your life. So today, we are going to dig into all of those different definitions and in what situation you might use to decide which side hustle is for you.   What is a side hustle?  In some cases it might be just anything you do that brings in extra money. In my mind, I have always thought of a side hustle as something that is more within your own control. So a business that you run or a side gig that you are in complete control of. There are different types of side hustles and different situations might make you more interested in a certain type.  People Who Need Money Now You can’t wait, you’re behind on your bills, and you just need money now. A side hustle would be something along the lines of driving for Uber, delivering for Instacart, or something along those lines. You could even get a second job. You would have a second employer and you would get paid through a regular paycheck system.  Pros You get money pretty quickly It tends to be low stress (or at least lower stress than teaching) Some flexibility (especially with Uber or Instacart) because you are setting your own hours. Your boss will usually be pretty flexible and allow you to work around your family and primary job as well  Cons Very unlikely you will ever replace your teaching salary or get to your long time goals by doing one of these side hustles They are a bandaid, or temporary fix to an immediate problem They tend to have lower pay They are pretty unsustainable because if you are working 60 hours a week as a teacher (which is what they say the average is) and you are trying to work a second job on top of that, you will hit a wall.  This is not something I would suggest if your strategy is something long term. If you are looking to create something that will help you retire early, but it is something that is available to you if you need money now.  You don’t need money right this second It’s a more pressing matter than a long term play. You need it pretty soon. In this case, you are looking at something like Outschool or VIPKid as really good options. They’re not instant money, you have to be approved to teach for them. You have to have classes approved for them. It is a process so it usually takes a couple months. You also have to build up a following of people who actually take your classes, which takes a little bit longer as well.  Pros They are very flexible You set your own hours Your earnings are dependent on you- how many classes you offer and what you charge for them They’re designed for teachers. If you are going to teach for Outschool, and you are already a teacher, you have a leg up on the platform. You have totally got this!  Cons Your earnings are capped. You can only teach so many classes. And while you do set your own rates, there is a normative center for what people charge on Outschool, and if you go much over that, people aren’t going to take your classes no matter how good you are.  You are still trading time for money. Even though it is flexible and you have freedom, you are still at the mercy of someone else to create income for you. That’s not to say you’re not always, because you eventually have to sell something. But when it comes to these side hustles, if you are not physically present in your class, or don’t physically create the work for a flex class, then you are not going to make any money.  It’s not really scalable. It is dependent on you being there, doing the work. You can’t pass it off to somebody else, and you can’t really scale beyond a certain point.  You Have Long Term Money Goals You want to buy a house, you want to pay for your children’s college, or perhaps an early retirement. The situation is different, because in this case you want to build a sustainable, scalable business. Something like Side Hustle Teachers, or like what you have heard some of our guests talk about, they have created a business that can grow beyond them.  Pros You are in complete control. It is your business and it can be whatever you want it to be. Obviously, there’s some leg work that goes into that and some research, but you can make it work any way you want to. Once you set it up, you have a long term sustainable income to rely on.  It's fairly simple to bring that up once you have a scalable business. If you are making $1000 a month, and it turns out your kid wants to take special dance lessons, and you need another $500 a month, you can ramp up your business pretty quickly to earn it.  Cons It takes time. It is not an overnight thing. It is a long term play.  It requires self discipline. You need to be the one because you don’t have a boss telling you what to do. Setting your own hours and making yourself work even if you don’t necessarily feel like it. You’re in complete control. Your business and how you set it up, is all on you.  Here’s why I am such an advocate for option number 3- building your own, sustainable business.  If you are an exhausted broke teacher, this is the only option that allows you to stop trading time for money. You might start out that way. If you are a life coach and you start working with people one on one, you’re still trading time for money. But eventually, you can go beyond that and create a course, or train other people to coach in the way that you do. There’s really no limit to what you can do with your own business. As opposed to when you are working for somebody else, you are limited.  It also allows you to build an income that gives you the option of teaching or not. I don’t know about you but there have been times in my teaching career when I have said, “I don’t want to do this right now, but I don’t have any other options. I’m not trained for anything else.” This was before I started side hustling and realized that I am trained for just about everything else. This allows you to take a step back and have the financial freedom to know that teaching is an option. It is a choice you are making and it is not something that is being forced upon you. As someone who is only teaching because of my side hustle and the personal growth and freedom that it gave me, that is a great feeling. I am teaching because I want to.  Another reason I support this is because we have enough bosses. Between our immediate superior, team leader, school level admin, district level admin, and everyone else, we have enough bosses. We don’t need to have someone else tell us what to do anymore! Teachers already have crazy business skills. Teachers don’t know they have these skills or how they apply outside the classroom but they do in so many ways. There’s really no excuse and no reason to not build your own business. Check out my bonus episode about 10 reasons teachers make great business owners here. Here’s the good news, you don’t have to choose. You don’t have to have only one side hustle. Would I recommend it forever? Probably not. But when you are first starting out, it is okay to do more than one. If you really plan it out, your job and business could be related. You don’t have to choose one or the other. If you need money right now, you could always go in and do one of those jobs that is going to get you money right now.  Just remember to keep an eye on the future. If your goal is long term financial stability, you’re going to need to do something that is going to set you up for the long term. And driving for Uber or delivering for Instacart are great short term ways to get cash, but they are not a long term play.  I am a huge advocate for starting your own business. I have seen the power that it has in people’s lives and the changes and differences it has made for teachers. So i strongly recommend you consider this option, but remember that you don’t have to choose.  If you want to start building your business and setting yourself up for long-term financial success, I invite you to check out Edupreneur Academy. It’s full of practical, step-by-step guidance on how to start and grow your side hustle while still being a boss in the classroom. To learn more or to join now, go to sidehustleteachers.com/academy

Song by Simi Joromi https://www.youtube.com/watch?v=sRS8A...Follow me on these social media platforms BLOG: https://datingafricanmen.blogspot.com/IG: https://www.instagram.com/usadatingaf...FaceBook Fan Page: https://www.facebook.com/USADAMAC/FaceBook Ladies Group: https://www.facebook.com/groups/AandA...Pinterest: https://www.pinterest.com/USADatingAf...Twitter: https://twitter.com/African_USALOVECashApp: $AtlAnnGREEN CARD, LOVE & MARRIAGE | DATING AFRICAN MENToday, I want to talk about some aspects concerning the green card, love & marriage in general.As a youth, a lot of African men asked me for marriage and at the time I had a wonderful Ghanian pastor that gave me wisdom once I was bombarded by marriage request from the mothers in his church. He advised me not to go through with the request because I would be used in the end. A woman gave me her son's picture and wanted me to get into a relationship with him but my pastor told me to return the pics.Once older, I was able to see some tricks that some foreign men use to get American women and other nationalities into this trap. I love an honest African man. One that tells me upfront what the deal is without me doing a lot of probing for information. However, not all men are honest and some are looking to use our hearts against us in a variety of ways.It is devastating to love a man, get married to him all for him to use you for papers and dump you later. So I want to talk about several insights regarding dating a man without his green card. https://datingafricanmen.blogspot.com...Pt:1.Ladies who want true love but want to make sure they ain't being used Sly green card marriage-He is pressuring you for marriage way too soon-You are finding out s&^% that isn't consistent (age, name, identity and other factors). Stuff ain't adding up.-Once the papers are filed or he passes the first interview he starts acting crazySeveral men dated me under the guise of love and I never slept with these men but I took it very slow with them. I only listened and watched their actions. Around 2-3 months later these men would tell me that they had an emergency and if I could help them out. I asked them what kind of emergency are they having? They said that they needed to get married really quick and in order to save their job positions, they need to file for the green card. I asked them why didn't they tell me upfront. They said some kind of lame excuse and I didn't take it any further.Real love but needs help down the road with his papers-There is no surprise pressure for marriage or anything-The African man is honest upfront-His love is consistent & genuine (throughout your time together + his stuff adds up).-Your gut feeling is telling you he is a good African man..Pt:2.Ladies who don't mind getting paid for the green card An old friend of mines reprimanded me years ago for marrying my Senegalese husband. He told me that he wished that I talked to him first and he would've hooked me up with an African guy that would pay me 10k plus give me other benefits. So at the time, my friend had finished helping this American black lady get connected to an African guy who helped to buy her a home and plus give her 10k in cash and help with childcare. Sounds good right but be careful.Pros-You can negotiate a nice sum with the guy.-You and the man can work out the other benefits (he helps with home downpayment/childcare expenses etc. Cons-Against the law"Any individual who knowingly enters into a marriage for the purpose of evading any provision of the immigration laws shall be imprisoned for not more than five years, or fined not more than $250,000, or both". -You could be bringing over a guy who could've been a criminal in his homeland and this can have consequences and put our country in jeopardy in different ways. That concludes today's topic and I am in the process of working on content on what to expect at the USCIS appointments and the process. Once the information is completed I will put that link on this blog/in the description tab of YouTube.

Pros: You will learn. You will be pushed when you need it. You will likely get out of your normal way of doing things and find new ways that you might like better. You have accountability. You are required to literally show up. You invested yourself financially, and therefore you are more likely to follow through with the plan. You save time you would spend yourself on planning your training and nutrition (depending on the coach). You don’t have to think. You just show up and perform what your coach asks. Your coach most likely knows a lot more than you. Online coaches can do a good amount more for you than in person CPTs. Cons: You have to pay for it. Your coach won’t know right away what plan is best for you and your body. You might get a “bad” coach. You might pay money but it doesn’t guarantee results. You won’t get instant results. Expect to have a coach for a long time—I’d say plan for a year at minimum. You might not get a coach that teaches you. They might just tell you what to do without explaining why. In-gym personal trainers cost way too much money, and most of that money doesn’t even go to the trainer. In-gym CPTs are supervised and make sure that you continually keep paying for programs. On the flip side, online coaches oftentimes keep trying to make you come back to them for everything. They try to make you dependent on them by saying things like “everyone needs a coach.” That’s false. Not everyone needs a coach. Coaches not “graduating” their clients to the real world.

Dylan Marma and Mike Taravella interviews Sam Bates who is a Principal of Trinity Capital Group.  City dictates the developments due to zoning, permits, and plans approved Labor rates have been rising but has found material costs to decrease due to strategic partnerships Sam looks to exit a property when syndicating in about 5 years However, when working with a few investors he likes to hold indefinitely Trinity Capital differentiates itself by systematizing and develop their niche in development Be flexible and adaptable as a real estate investor Sam traded a plot of land for a RV park Developments focus on IRR and Cash on Cash Returns, instead of cap rates Most recent development Trinity is targeting a 5 year hold and 30% IRR HUD loans require longer periods to process so always have backup and options Investor paradigm for development deal: It takes 2 years to build and is generally a longer hold period compared to multifamily acquisitions Multifamily Acquisitions  Pros: You know what you are getting Cons: So competitive in the market Always add value in a relationship Expert Pro Tip: Always continue to learn with books, podcasts,  and your network   Contact Information: sam@trinitycapitaltexas.com (972) 855-7654   For more information/to connect with Rand CRE: www.randcre.com   To register to invest with us: https://invest.randpartnersllc.com/invexp/accounts/login/     Rand CRE's Facebook: https://www.facebook.com/randcre Rand CRE's Twitter: https://twitter.com/randcre Rand CRE's Linkedin: https://www.linkedin.com/company/randcre Rand CRE's Instagram: https://www.instagram.com/randcre

Speaker: Zipporah Robinson, Language Learning Coach Languages: English, Spanish, Portuguese. Some reading comprehension of French and Romanian. Learning: Italian Website: www.zrlanguagelearning.com Email: info@zrlanguagelearning.com How Volunteering Helped Me Find Foreign Language Jobs OUTLINE CONS You don't get paid for your time, energy nor expertise. Sometimes there are requirements. They don't just accept anyone, people can be turned away. PROS You get experience, especially if you're running into people who speak your target language. The experience volunteering in your target language makes you more comfortable talking. You get to add that foreign language volunteer experience on your resume. Foreign language volunteering on my resume helped me secure contracts for other foreign language jobs. You make friends and gain job references from the places you volunteered at. You give back to the community of your target language Your vocabulary increases, especially in the field in which you are volunteering. There is no pressure to speak perfectly, they can't fire you. Just do your best...they appreciate any help they can get. If you pass the background check and they prefer a foreign language speaker, you may not be turned away, just because it's free help. For volunteer opportunities, please go to www.volunteermatch.org --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/zrlanguagelearning/message

During the summer our family has a tradition called “Fry Day.” We make fried foods several times during the summer. It is a type of project meal that is as much about the preparation as it is about eating. Oil- You want to use a high smoke point oil because it will not oxidize at the temperatures required for frying. Most recipes fry at 350-375 degrees Fahrenheit. I like to use peanut oil. If you have peanut allergies, canola or shortening both work too. When you are done frying, strain the oil in a fine mesh strainer lined with a coffee filter. You can store the oil in the refrigerator or freezer and reuse it several times. Vessel- I have used an electric deep fryer. Pros- You can set it for a specific temperature. Cons- It can take a long time to heat up and tends to lose temperature as you add food. It is also difficult to clean. I prefer to use an enameled cast iron Dutch oven (like LeCruset.) It works especially well on gas stoves because you can regulate the temperature with the flame. I have used Dutch ovens on electric stoves too. You will want a candy thermometer with a Dutch oven so you can see the temperature. Order- If you are reusing the oil, you want to start with foods that do not have strong flavors or odors. I like to start with corn dogs or donuts. We always do funnel cakes on the 4th of July and then I move on to French fries, fried chicken and end the summer with fried fish or shrimp. Once you have used it for fish you will want to throw away the oil. Smitten Kitchen has a good recipe for French fries that she adapted from Cooks Illustrated. You can find the recipe here.

This week, Javier Ruiz from New American Funding joins Aaron and Tracy to discuss all you need to know about financing a home remodel. We talk about cost estimation, how to decide the best financing options for you and which rooms will hit your budget the hardest.   LET’S CHAT! You can always call and leave your questions and comments on our voicemail! 978-709-1040   FAST Facts: 1. According to HomeAdvisor, the average kitchen remodel in the US ranges from $12,000 - $30,000 or around $150 per sq. ft 2.To hire a handyman the average cost is $390 ph 3. The average cost of a bathroom remodeling project is approximately $10,000, although this includes minor, partial, and small bathroom remodeling costs. A comprehensive bathroom remodel is likely to cost $15,000 or more; a large master bath remodel can easily go over $50,000. 4. Most people planning a house upgrade aren’t doing it in order to put a “For Sale” sign in the yard. In fact, only seven percent of homeowners are renovating to prepare their homes to be sold, the lowest percentage since 2015. (marketwatch) 5. The majority of homeowners (62 percent) plan to pay for projects, at least in part, by using savings. Other home improvement financing options include credit cards, 30 percent of homeowners say they’ll pay for a project using plastic. While credit cards are also a popular option for millennial homeowners, it is significantly less so than last year, down 16 percent. 6. Payment example: Monthly payments for a $25,000 loan at 7.99% APR with a term of 12 years would result in 144 monthly payments of $270.48. (lightstream) 7. A landscaping project can cost anywhere from $5,000 to over $100,000. When deciding on a budget keep in mind that investing in professional landscaping will greatly add to the value of your home. A general rule of thumb is to spend 10% of your home's value on landscaping.   JAVIERS’S TIPS: - Find out what the value of your home is currently, and what you owe, to get a good idea of what you can get financially. - Cash out refinance option can be a little pricier. - Refinancing is getting a new loan that pays off your existing loan. Pro of refinancing is the liberty to spend the money the way you want.A drawback is rising interest rates. - There’s a Fannie Mae financing option called Home Style- it’s a renovation loan that allows you to use the maximum value of your home to purchase and/or renovate a home. https://www.fanniemae.com/singlefamily/homestyle-renovation Pros: You’re increasing the value of the loan. You can add luxury items. - Home equity line of credit is another option. The rate is a bit higher but gives you the flexibility to access equity in your home. Good for a small project where you can pay it off quickly. - Your most affordable rate will be through a bank or mortgage company vs. a credit card or in-secure line of credit. - Find a trusted loan officer who’s experienced in home loans. - The bank isn’t necessarily the best place to start. Googling “construction loans” or “renovation financing” is a great place to start. - Credit cards have very high interest rates. - If a loan is going to create financial stress, consider splitting your remodel into smaller projects.   TO RECAP OPTIONS - Cash-out refinancing. - Fannie Mae, Homestyle. - Home equity loan - 203k - Unsecured loans - Credit cards - Cash   HOLLER AT JAVIER: Email | Javier.ruiz@nafinc.com Website | https://www.newamericanfunding.com   FOLLOW US on social media: Website | https://howtohome.com/ Instagram | http://bit.ly/2WqVfSp Twitter | http://bit.ly/2RRyYij Facebook | http://bit.ly/2MC3Hdc Youtube | http://bit.ly/2SifqTH   SUBSCRIBE to the How to Home Podcast: Itunes | https://apple.co/2DL0lSp Android | http://bit.ly/2B9k7Fm Stitcher | http://bit.ly/2DM0W6c Spotify | https://spoti.fi/2GcRCKo   THANK YOU TO OUR SPONSOR FILTERBUY.COM

Selling your home via an auction comes with its share of benefits and drawbacks, which I'll share with you today. Selling your Colorado home? Get a free home value report Buying a Colorado home? Search all homes for sale Thinking about selling your home through an auction? Here are some of the pros and cons of doing so: Pros: You can sell the home quickly in a specific time period. A bidding war can lead to a higher sales price. The home is usually sold as is, so you won't have to worry about making any repairs to it. Cons: You might not meet your reserve price (the price you set that's the lowest you're willing to sell the home for) if there's not enough pre-marketing activity. I definitely recommend setting a reserve price, otherwise, your home might end up selling for $1. You may have additional commissions, costs, fees, and expenses. Most real estate agents aren't auctioneers, so you'll have to pay for those additional services. Many retail buyers don't like the auction process—they have to pay additional fees as well. Home auctions are typically used by sellers whose homes aren't selling quickly enough in a slower market, so since we're in a really fast market, it may not apply to current conditions. Banks also tend to use auctions to sell homes that are in a state of disrepair. “HOME AUCTIONS ARE TYPICALLY USED BY SELLERS WHOSE HOMES AREN'T SELLING QUICKLY ENOUGH IN A SLOWER MARKET.” You have the choice of either auctioning your home through the public trustee's auction at the steps of the courthouse or through a private auction company. My team has experience with both, so if you'd like more information about them or you have more questions about the auction process, don't hesitate to reach out to us. As always, if you have any other questions or you're thinking of buying or selling a home, feel free to call or email me. My team and I would love to help you.

Description Married Millenials David and Cassie De Almo own 236 DVDs in a 400sq ft. studio apartment in Brooklyn. Many of them in shrinkwrap. Listen to their recaps as they force themselves to watch all 236 DVDs in their collection, regardless of quality, discuss why they own that, and if they will keep it or feed it to the sharks.Website http://www.daviddealmo.com/why-do-we-own-thatOpinion This wasn't as bad as I thought. They are 35ish episodes in, and they were being a bit snarky in a Facebook group today and I decided to take a peak at their show.Pros:You get right to the interview once you are on the show, and you have good chemistry (most married people do)Cons:Your Audio quality is about a 6.5 out of ten and you could boost it super easy. First of all as you are watching a DVD you can easily run the sound out of the DVD player into a computer with a few cables instead of recording the audio off the TV (please note this may not be legal). Then you have two people sharing one mic. Get an Audio Technica ATR2100 for both people and your audio will improve immensely without spending thousands of dollars.See this kit https://kit.com/podcastcoach/multiple-hosts-in-the-same-room-connecting-to-guests-onlineOnce a quarter we will pull one of the podcasts featured on this show to get a full review on the Podcast Review Show.  If you'd like a full review of your podcast check out Podcast Review Show or if you need Podcast Consulting, Book and Appointment TodayThis podcast is powered by Pinecast.

Today I want to talk to you about investing in real estate as part of your retirement plan. I’m a little biased because I have invested in real estate as part of my own retirement, but I’ll do my best to be objective. Here are some pros and cons of investing in real estate: Cons You need active knowledge about the industry. If you want to invest in real estate locally, you have to learn about the industry and understand its inner workings. You have to actively manage the properties. This can be time consuming because you will be actively managing maintenance calls, setting up showings, and running the properties. Unless you have a ton of capital, you’ll be doing all these things yourself. You need a significant amount of capital. There are stories about ways to get creative and put little or no money down, but those are the exception, not the rule. Pros You’ll get a significantly higher return on your investment. This is assuming you’re in a decently appreciating market like south-central Pennsylvania and you’re holding the property for the long-term, not just short-term sales. There are significant tax advantages to investing in real estate. It’s best to speak with an accountant about the details, but if you buy enough real estate, those tax advantages do add up over the years. You can eliminate most of the risks involved in investing in real estate if you’ve taken the time to understand the industry and you’re investing in a market that remains moderately stable and isn’t as volatile as some of the other markets in our nation. This is especially true with long-term ownership and residential rental properties. “A good strategy is to buy a property at or around the birth of a child.” One of the strategies that I particularly love is buying a property at or around the time of the birth of a child. You can then pay it down and use tax-free refinance income or equity to pay for all or part of the child’s college education. You can then pay it back down and do the same thing to supplement your retirement income later down the road. You’re using the same property for a dual purpose, and it makes the investment valuable to you and your family. I think that real estate investment is a great way to save for retirement alongside other investments like securities and other investment tools and is a great way to get you farther in reaching your retirement goals. If you have any questions about real estate or anything else in the real estate market, please don’t hesitate to reach out. I’d be happy to help you.