Podcasts about refinance

Join Mike Cavaggioni with Quentin D'Souza on the 78th episode of the Average Joe Finances® Podcast as they talk about why he left teaching for real estate, why he stopped coaching, why you shouldn't be the expert in everything, and so much more. As Quentin shares what can be anticipated from his book The Action Taker's Real Estate Investing Planner, tune in and find out why he doesn't do annual goals and why he believes planning is still so underrated.In this episode, you'll learn:Quentin D'Souza – on practicing self-employment before fully entering real estate The asset's highest and best useAbout the book The Action Taker's Real Estate Investing PlannerIf you plan well, you achieve well!How not to scale any businessAnd much more!About Quentin D'Souza:Quentin D'Souza is a multiple award-winning Real Estate Investor and a trusted authority on real estate investing. He is an Ontario Certified Teacher and holds two university degrees, which includes a Master's in Education. Quentin has appeared on local and national television and radio, interviewed in national publications, and has been a keynote speaker to large audiences of real estate investors.Quentin's company, Appleridge Homes, uses the Buy, Fix, Refinance, and Rent strategy on long-term rental properties in Ontario, Canada, as well as with joint venture partnerships to create win/win relationships on Apartment Building purchases. Quentin owns a real estate portfolio above 80 million dollars of assets under management across Canada and the US and has transacted on 80+ properties since 2004.Quentin is the author of "The Property Management Toolbox: A How-To Guide for Ontario Real Estate Investors and Landlords," "The Filling Vacancies Toolbox: A Step-By-Step Guide for Ontario Real Estate Investors and Landlords for Renting Out Residential Real Estate," "The Ultimate Wealth Strategy: Your Complete Guide to Buying, Fixing, Refinancing, and Renting Real Estate" and "The Action Taker's Real Estate Investing Planner."Find Quentin D'Souza on:Website: https://www.getrealwealthy.com/LinkedIn: https://www.linkedin.com/in/quentindsouza/Instagram: https://www.instagram.com/qmanrei/Twitter: https://twitter.com/qmanreiYouTube: https://www.youtube.com/c/GetRealWealthyOrder your copy of The Action Taker's Real Estate Investing Planner, Book by Quentin D'Souza:https://www.amazon.com/Action-Takers-Estate-Investing-Planner/dp/099367173XAverage Joe Finances®Our social media links can be found here: https://flow.page/avgjoefinancesCheck out: https://averagejoefinances.comBalance Your Portfolio with Passiv: https://averagejoefinances.com/passivBuying or Selling a House? https://averagejoefinances.com/realtorInterested in getting your real estate license? https://averagejoefinances.com/prepagentUse the same Audio/Video Editing Team that I use: https://editpods.comHost your own Podcast here: https://averagejoefinances.com/buzzsproutSocial Media Management Tool: https://averagejoefinances.com/social-mediaPodcast Book I'm Published in: https://averagejoefinances.com/daniel-larsonFree Stocks:Robinhood: https://averagejoefinances.com/robinhoodWebull: https://averagejoefinances.com/webullConsolidate debt: https://averagejoefinances.com/sofi-loans/Get Life Insurance: https://averagejoefinances.com/ladderAverage Joe Finances Swag: averagejoefinances.com/resources/shoJoin me at the Real Estate Wealth Builders Conference in Phoenic, AZ this March 10th-12th. Get your conference tickets here: https://rewbcon.comUse promo code MIKE to get $50 off.Support the show (https://www.buymeacoffee.com/avgjoefinances)

This week's topic is about the true cost of new appliances and warranties. We are a society that has too much stuff and we have become accustomed to the conveniences that have made our lives easier than it did for our grandparents.  This is a great thing; however, appliances have become increasingly expensive due to the features that they offer as well as the high rate of inflation mainly due to the supply chain shortage.  With that being said when you buy an appliance it is important to consider if there are other costs exists beyond the actual price The first thing is to start with the discount which creates your base price and then add any tax if it exists in your state or municipality.  After that it is important to factor in what you are buying in that it may involve other costs beyond the straight purchase. For example, I just purchased a new washer and dryer set that was $2,800 that was discounted to $2,200; however, I paid additional costs for hooking up the equipment which also came with parts and labor. There was also a charge to haul away the old appliances.  Lastly, I opted for a $200-five year warranty for the washer and dryer each with my logic being that the appliances would need service and would exceed $400. All in all, my total cost was $2,878 with tax which is 31% higher than what the sticker price.  To sum things up, it is important to purchase the product that fits your needs and when you nail that down, think about the appliance protection as the odds are that you'll pay more later for repairs if you opt out of warranty coverage. Lastly, when you budget for major appliances, factor-in at least 25% over the discounted price.  With that being said, the everyday modern appliance is a beautiful thing; however, the major difference is that they do not last as long as they used to - the logic says that when app Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast

The last two years have brought many challenges to how real estate is purchased. One of the largest adjustments we have seen is the Virtual Buyer. Addy & Lucas share real client stories of people who have purchased homes 100% via Facetime. We are excited to Help, it is never too early to book a strategy session and build out a plan for your next property! Schedule Here:Need to Refinance or Get Pre Approved Now! Click to Get Started Online Today!Need Resources / Tools / Videos? Visit our Website: Addy Nett

This week we highlight tips for online shopping. What types of research are beneficial and where to obtain it. Also, we perform a historical look at 2021's purchase to reveal the reason why we purchase items. In the roundtable we discuss the words and phrases that people use to intentionally insult people as well what we do pacify their behavior in conversations.  Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast

As a Mortgage Originator this is likely one of the most frequently asked questions. To much surprise there is more complexities to the answer than most would assume. Addy and Dan explore how to determine what the right mortgage payment is for you compared to what you might be able to get Approved for.We are excited to Help, it is never too early to book a strategy session and build out a plan for your next property! Schedule Here: Need to Refinance or Get Pre Approved Now! Click to Get Started Online Today! Need Resources / Tools / Videos? Visit our Website: Addy Nett

This week's topic is about student loan moratorium. The federal student loan moratorium has been extended for the third time due to the Coronavirus pandemic. The loan relief began in March of 2020 and was set to end September 30, 2021 which was moved to January 31, 2022 and then moved again to May 1, 2022.  Moratorium means that payments for principal or interest are not required and without any penalty. With the suspension payments, we know this is needed for many Americans; however, the important notion is to consider making payments if you have the means to do so. The simple fact is that you are delaying payments which only extends the life of your loan.  So let's take the average student loan interest of 6% and the average loan amount of $30,000 for a 20-year period. That comes to $215 per month or $5,600 over the full moratorium period which is currently 26 months. After this duration, you'd still have a principal balance of $28,201.  The bottom line is that it takes a long time to pay loans off and they are simply a sword in the sides of borrowers. However, amortization is weighed heavily on interest at the beginning of the loan so all payments help, especially additional principal.  The second point is you should not rely on congress for loan forgiveness as the odds are small. Just $10,000 given to each borrower would cost the government over a quadrillion - and if you don't know that's a 1 with 12 zeros after it.  Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast

Quentin D'Souza is a multiple award winning Real Estate Investor, and a trusted authority on real estate investing. He is an Ontario Certified Teacher and holds two university degrees, which includes a Master's in Education. Quentin has appeared on local and national television and radio, interviewed in national publications, and has been a keynote speaker to large audiences of real estate investors. Quentin is a proud member of the Entrepreneurs' Organization. His company, Appleridge Homes, uses the Buy, Fix, Refinance, and Rent strategy on long term rental properties in Ontario, Canada, as well as with joint venture partnerships to create win/win relationships on Apartment Building purchases. Quentin owns a real estate portfolio in excess of $80 million dollars of assets under management across Canada and the US and transacted on 80+ properties since 2004. Quentin is the author of “The Property Management Toolbox: A How-To Guide for Ontario Real Estate Investors and Landlords,” “The Filling Vacancies Toolbox: A Step- By-Step Guide for Ontario Real Estate Investors and Landlords for Renting Out Residential Real Estate” , “The Ultimate Wealth Strategy: Your Complete Guide to Buying, Fixing, Refinancing, and Renting Real Estate” and “The Action Taker's Real Estate Investing Planner.” He is also mentors real estate investors as the Chief Education Officer of the Education for Canadian Real Estate Investors. Get in touch with Quentin: https://linktr.ee/qmanrei http://getrealwealthy.com/ https://www.instagram.com/qmanrei/ https://www.linkedin.com/in/quentindsouza/ Get to know more about James Prendamano and the PreReal Podcast: www.prereal.com For informational purposes only. Always consult with professionals. This is not meant to be used as legal or tax advice or otherwise. Any projections, opinions, assumptions, or estimates used are for example only. All information should be independently verified and is subject to errors and omissions. Check out some of our other videos and listings: PreReal Podcast https://www.youtube.com/watch?v=pTgZYyrkRyU&list=PLbyMUN39hTNWUFWH-tprcR0sTOwdqCfuk Becca's Real Estate Tips https://www.youtube.com/watch?v=hSQsDJUTOW8&list=PLbyMUN39hTNVu6OeabosHIP_CTfuqg_4X Prendamano Real Estate of staten island, NY is a real estate marketing firm that is focused on lead generation for all its properties for sale. More leads equals bigger pockets in the end for everyone. If you are house hunting and looking for a house for sale don't hesitate to give us a call (718)200-7799. If you think it is time to sell your house, we can get you top dollar for your property. Visit us at www.prereal.com Follow us on: Facebook: https://www.facebook.com/PrendamanoRealEstate Instagram: @prerealpodcast @prerealestate TikTok: @prerealestate Twitter: @prereal

Should you refinance your car loan? How can I achieve my goals for 2022? How much should I save for college? In this episode, Art answers several of your money questions. Listener Questions:How can I do a better job of keeping my New Year's Resolutions this year?Do you have an opinion about refinancing car loans to a lower interest rate so that more goes to principal and gets paid off quicker?How much do I need to save for my kid's college?Resources mentioned:The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode Sponsor:Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Today's episode is going to be an interesting topic of why there are problems with pretty properties.We're going to talk not just about the problem with pretty properties, but we're also going to talk about the three keys to hedging risky investments in multifamily or at least the three keys for Invictus.The audible version Passive Investing Made Simple: How to Create Wealth and Passive Income through Apartment Syndications is LIVE!!Sign up for Audible Free Trial[00:01 – 07:08] Bad Investing Advice: Big Risk Equals High Returns[07:09 – 17:48] #1 Key to Hedging Risk: Buying Under Rents[17:49 – 19:53] #2 Key to Hedging Risk: Buying Under Markets[19:54 – 13:37] #3 Key to Hedging Risk: Buying In Appreciating Locations[21:23 – 27:01] Bonus Hedging Risk: Buying With Ability to Refinance [27:02 – 32:45] Book Review The Great Game of Business, Expanded and Updated: The Only Sensible Way to Run a Company"What are we building in 50 years? And it's like once you start to take that long view, everything kind of de-risks itself with enough time."– Anthony Vicino"Once you start looking at all of those hidden variables, then you're like, Is this really worth our time and energy?" – Anthony Vicino"Really looking at just if this area in this market and this asset class going to appreciate over the next five, 10, 15 years?" - Dan Krueger"It's a great deal for somebody. The bottom line is it wasn't a bad deal. It just didn't fit the parameters that our investors have." - Dan KruegerLEAVE A REVIEW if you liked this episode!!Keep up with the podcast! Follow us on Apple, Stitcher, Google, and other podcast streaming platforms.To learn more, visit us at https://invictusmultifamily.com/**Want to learn more about investing with us?**We'd love to learn more about you and your investment goals. Please fill out this form and let's schedule a call: https://invictusmultifamily.com/contact/**Let's Connect On Social Media!**LinkedIn: https://www.linkedin.com/company/11681388/admin/Facebook: https://www.facebook.com/invictuscapitalventures/YouTube: https://bit.ly/2Lc0ctX

This week we cover important details that are important to understand with your auto insurance policy. Should your rates go up if you are in an accident that is not your fault? There are also some items can save you money while there are hidden items that may cost you money in the long run. In the roundtable we discuss unusual names that people have and how they affect people and what they can do to ease their pain.  Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast

This week's topic is about travel insurance and is it worth the cost? As a result of the Covid pandemic, many vacations have been cancelled and  thousands of people have lost thousands of dollars that can not be redeemed.   This is where travel insurance can soften the blow. Typically it covers medical emergencies, trip cancellation, trip interruption, delays, medical needs, and lost, damaged, or stolen luggage. On the other hand, it may not cover glasses, hearing aids, dental bridges, tickets, passports, keys, cash, cell phones and rental car damage; however, your credit card or renters insurance may cover some of these expenses. So let's get to the cost: Like any insurance, costs vary; however, you can expect to pay  between 4-12% of your total trip cost. Now the proverbial question . . .  Is it worth it?  Just recently, we had a trip cancelled due to Omicron that covered $3,500 in expenses and we paid $140 for the coverage which totaled 4% of the total cost.  So In my opinion the answer is yes. In fact, I have used it on more than one occasion and it has saved me over $10,000. The bottom line is that you can't predict the future and it takes just one missed trip over several vacations to reap the value that the insurance provides. Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast

We have a great lineup of your social media questions. We have received so many positive comments about these episodes. If you have a question for us please email to podcast@rocklandusa.com We begin with a little financial talk on what the Island Boys should be doing with their new-found fame money before the flame runs […]

Andy and Jessica welcome you to the last episode of 2021 of The Deal Board Podcast. You need to get ready to sell your business since 2022 might be the year where the market turns from being a sellers' market to a buyers' market and you'll have to make a decision; anyway, it is best to be prepared to sell your business at any time!   Listen to this episode where Andy and Jessica guide you through the four necessary steps to have your business ready for sale.   Listing of the week: Austin Higgins (Asheville) is selling an e-commerce business. Asking price, $187,000, (Two-and-a-half times multiple). For more information email Austin at ahiggins@tworld.com or call (702) 443-5012.   Key takeaways: [2:25] Step 1: Know your business's worth. [4:59] Step 2: You really need to clean up your finances. [8:18] Step 3: Be ready to act quickly. [11:15] Step 4: Have the right advisor team in place. [16:01] Elliott Holland (Guardian Due Diligence) [16:33] What can business owners do better to make their business look better? [18:12] Elliott talks about the costs for audits. [19:53] Clean up your balance sheet! [20:49] Refinance your debt. [21:01] Get your taxes in order. [21:15] Get an accurate list of your inventory. [23:06] Show some profit on your taxes. [23:44] Elliott talks about complicated debt. [25:43] Include a cash flow statement. [28:10] Elliot talks about what makes a business look consistent, and what doesn't. [29:30] Is it too late to fix 2021 now? [31:04] Deal of the week: Dustin Audet (Colorado) sold a 37-year-old beverage distribution business; 80 employees, two warehouses, great revenue. [32:14] Listing of the week: Austin Higgins (Asheville) is selling an e-commerce business. Asking price, $187,000, (Two-and-a-half times multiple).   Mentioned in this Episode: The Deal Board Podcast Subscribe to The Deal Board Podcast YouTube Channel United Franchise Group Transworld Business Advisors Transworld on LinkedIn Transworld on Facebook Call us — (888) 711-9018 Email us thedealboard@tworld.com.   Call Dustin Audet at (970) 618-9330. Email Austin Higgins at ahiggins@tworld.com or call (702) 443-5012. Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

This week we cover the ins and outs of auto dealers offering lease pull aheads. What are the advantages and the disadvantages? What is FOMO that the car salesman are pitching? We provide insight on aid you in your decision making. In the roundtable we discuss white elephant gifts and useless inventions.  Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast

Happy New Year! Dave and Brenda ring in the new year by covering two interesting design challenges they've recently faced. They cover the projects from start to finish: what the issue was, how it was approached, and what the outcome was. Hosted by David and Brenda Bryan. Produced and Edited by Merrill McNally.If you are looking to fund your home renovation, talk to our friends over at RenoFi! Visit renofi.com to learn more.Find us @renovationmaderight on social mediawww.renovationmaderight.comwww.blackdogbuilders.comSend us your questions at renovationmaderight@gmail.com!

Building credit is important for everyone. Having a bad credit score will hurt the chances of getting a loan, and even increase cost of insurance.  Article Links: https://www.experian.com/blogs/ask-experian/credit-education/improving-credit/building-credit/ By Stefan Lembo Stolba https://www.bankrate.com/personal-finance/credit/how-to-build-credit/ By Nicole Dieker https://www.bankrate.com/finance/credit-cards/how-to-report-rent-payments-to-credit-bureaus/ By Raychelle Heath

Jon talks with the President of Atlantis Mortgage, Jason Yourofsky, about how to grow your business, the power of customer experience and scaling an idea! Jason Yourofsky started in the Mortgage industry in 1997 fresh out of Michigan State University and went to work with his Senior V.P. Jeremy Stybel. Jason learned the ins and outs of the mortgage industry at a “small lender” for four years, before founding Atlantis Mortgage in 2001. Atlantis Mortgage was formed under the premise of “No Closing Cost Purchase or Refinance.” Jason noticed people were looking for an alternative to the big bank's fees and cost, so we created the no cost no fee purchase or refinance. Atlantis Mortgage has closed well over $2 billion dollars in mortgages within the state of Michigan. Outside of the state, they closed another $250 million in refinances and purchases. Family and free time: The majority of Jason's free time is spent at home with his family. Jason has a lovely wife, daughter, and two Airedale Terriers. Jason is a huge pet lover and quite often his dog sits on the couch with him while he works. His family spends time up in Charlevoix, Michigan at their cottage. They often enjoy taking vacations anyplace warm, and it is mandatory that it has a beach & nice pool. Jason's hobbies are collecting rare spirits, gardening and saving people money. States licensed in Michigan, Texas, & Virginia   Connect with Jon Dwoskin: Twitter: @jdwoskin Facebook: https://www.facebook.com/jonathan.dwoskin Instagram: https://www.instagram.com/thejondwoskinexperience/ Website: https://jondwoskin.com/LinkedIn: https://www.linkedin.com/in/jondwoskin/ Email: jon@jondwoskin.com Get Jon's Book: The Think Big Movement: Grow your business big. Very Big!   Connect with Jason Yourofsky: Website: https://www.atlantismortgage.com/ Instagram: https://www.instagram.com/atlantis_mortgage/ Facebook: https://www.facebook.com/atlantismortgage/

This week's topic is on the cost of dry cleaning and is it safe to wash the clothes at home? Dry cleaning is one of the most overlooked items in the budget and oftentimes it is not accounted for. The first question is how much does it cost each year.  The unfortunate thing is that this is not a tracked statistic; however, busy professionals, especially in dual households, can easily spend $100 per month. Ouch!Okay . . . so let's get question number two. Can your clothes be washed at home? The answer in many cases is yes; however it is important to understand a few factors.  One is that many manufactures just slap the “dry clean” label on the clothes to be safe from customers providing negative feedback if a garment is damaged.  And for Number two to determine the fabric that you are cleaning. Typically, Wool, silk, cotton, linen, and durable polyester fabrics can be washed.  Others that are trickier to handle are suede, leather, velvet, taffeta, rayon, and anything with fur or down. In addition, Suits, pleated skirts or garments that have oil-based stains are more difficult. Now when it comes to cleaning items, always perform a small water test where it can't be seen on the garment. If fabric bleeds, shrinks or warps, then take it to the cleaners.  The bottom line is that it's your choice on how to handle your clothing So do your research first.  With more working remotely, and knowing that for the most part you can clean many of your items at home this is a win-win formula to save money. And here's more thing, considering that dry cleaning uses toxic chemicals, by washing at home, you can do your part to help our environment.  https://www.usatoday.com/story/tech/reviewedcom/2017/02/22/how-to-wash-drycleanonly-clothes-at-home/97950680/ https://www.chatelaine.com/style/dry-cleaning-hand-wash-clothes/ https://askinglot.com/how-much-should-dry-cleaning-pants-cost Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast    

You might not be able to follow through on all 22 of these resolutions, but implement even just a few of these and you'll be well on your way to a more prosperous financial life in the coming year.   Read more and get additional financial information: https://www.truefinancialpartners.com   What we discuss today:  2:24 – Reducing debt 3:10 – Boost savings 4:59 – Prepare for unexpected 6:15 – Don't overreact 7:19 – Budget 8:02 – Meet with a financial advisor 9:29 – Check beneficiaries 10:57 – Tough conversations 12:07 – Audit your insurance 13:48 – Refinance 14:41 – Organize 15:29 – Check credit 16:19 – Check fees 17:58 – Share knowledge 18:56 – Give back 20:24 – Review tax brackets 21:34 – Roth conversion 22:48 – Update paycheck withholdings 24:03 – Rebalance portfolio 25:09 – Transition to retirement 26:32 – Consolidate accounts 28:55 – Listen to our podcast

Leave the Equity for safety and cash flow more.

In this week's episode we handle a financial hodgepodge of questions from listeners.  1: Should congress be able to create legislation around crypto when are owners of it. 2. We examine a question that asks: what percentage of the bills  should be paid when the home is owned by the other partner.  3. We cover a story about a professor who offered a cash reward if just one of his students read the syllabus In the roundtable we discuss what people care and think about with office politics and meetings.  Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast

Debt consolidation may be a good idea, can you get the loan with lower interest rate. Is your credit rating improving or getting worse since the last loan or new credit was issued. Getting a higher interest rate loan does not make sense so beware before getting a loan consolidation.  Article Links:https://www.forbes.com/advisor/personal-loans/pros-and-cons-of-debt-consolidation/ By Kiah Treece,  Jordan Tarver https://www.nerdwallet.com/article/loans/personal-loans/debt-consolidation-loans-bad-credit By Jackie Veling 

Nate Hedrick and David Bright spread some holiday cheer, sharing their book recommendations for your real estate investing journey. Links Mentioned in Today's Episode Join the YFP Real Estate Investing Facebook Group YFP Real Estate Investing 01: Intersection Between Financial Planning and Real Estate Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki The 4-hour Work Week by Timothy Ferriss The Alchemist by Paulo Coelho The Millionaire Real Estate Investor by Gary Keller The Book on Rental Property Investing by Brandon Turner Hold: How to Find, Buy, and Rent Houses for Wealth by Steve Chader, Jennice Doty, Jim McKissack, Linda McKissack, Jay Papasan, and Gary Keller BiggerPockets Buy, Rehab, Rent, Refinance, Repeat by David Greene The Miracle Morning: The 6 Habits That Will Transform Your Life Before 8AM by Hal Elrod Start with Why: How Great Leaders Inspire Everyone to Take Action by Simon Sinek Cashflow Quadrant by Robert T. Kiyosaki Never Split the Difference: Negotiating as if Your Life Depended on It by Chris Voss YFP Real Estate Investing 18: Tax Strategies for Real Estate Investing The Book on Tax Strategies for the Savvy Real Estate Investor: Powerful techniques anyone can use to deduct more, invest smarter, and pay far less to the IRS! by Amanda Han and Matthew MacFarland YFP Real Estate Investing Your Financial Pharmacist Disclaimer and Disclosures

This week's topic is about realized capital gains before the year ends.  As the year ends it is a common practice for investors to balance losses against gains to minimize taxes that are paid to the IRS each year.  This applies to ownership in stocks, bonds, mutual funds, options and even crypto.  When owing these assets we are referring to after tax accounts which is a straight brokerage account meaning that it doesn't apply to tax-deferred accounts. such as a 401(k)'s and it doesn't apply to after tax accounts such as Roth 401(k)'s, Roth IRA and IRA's. So here's how it works: each year you calculate what you have in gains versus losses and determine what the n umber is.  For example, if you sell Apple for $20,000 in profit and sell Microsoft for an $18,000 loss, you have a realized capital gain of $2,000.  This would then be considered taxable as investment income. Now in the event that you incur a loss, the IRS allows for a maximum amount of $3,000 each calendar year.  Lastly, if you have losses greater than $3,000 you can carry them into future tax years.  The bottom line is that people typically have winners and losers in their portfolio. Hence, balancing the equation can reduce your tax load then can reload investment for the next year.  Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast    

This week's topic centers on whether it is better to buy a natural Christmas tree versus an artificial one In recent years, there has been a debate that purchasing an artificial tree is a better long-term solution to that of a natural tree. Let's start with artificial trees: there are many reports that they last 10-20 years; however, if taken care of properly, they can last beyond that.  The negative part is that they are made from plastic which is derived from petroleum which is oil. So the question becomes, does the benefit of owning a non-recyclable product outweigh the cost of buying a natural tree each year? Many reports say that it takes 20 years of using an artificial tree to achieve an equal carbon balance. When trees are cut down or burned, they can release stored carbon back into the atmosphere; however, this equation is balanced when farmers replant new trees. Another point is that tree farming employs over 100,000 people according to the National Christmas Tree Association. Lastly, it typically is easy to have your tree chipped up into mulch and it can be reused for habitat restoration and helps control erosion along streams and river banks, and can even help underwater habitats. So here's the deal: natural Christmas trees are more expensive over time, and secondly, there is not enough statistical data to form a concrete answer about the environmental impact. However, it appears the natural tree has the edge.  As for me, I always lean on the side of what is better for the environment. Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast  

Top 100 Yahoo Finance in 2020, Brandon Elliott is a leading authority on real estate and credit. He is experienced and proven in utilizing credit to invest in real estate and implement the "BRRRR Strategy." Brandon has a thriving credit repair and tradelines company but prefers teaching people the credit hacks he's been applying for years such as building huge credit lines for both personal/business up to 7-figures and manufactured spending techniques- showing ways to create millions of points equivalent to cash, free travels, and even buying properties using credit cards. From the credit knowledge that is taught in his Elite Credit Course, Brandon was able to liquidate $200K+ for a safety-net when purchasing a 4-PLEX in one of the most desirable locations in San Diego, just 8 minutes walking distance from the famous San Diego Zoo. His passion in helping others reach their financial freedom too, led Brandon to host "Ready. Set. Go. Real Estate Investing" podcast every Monday sharing how you can invest in real estate successfully with little to no money utilizing credit. Brandon has completed numerous Fix & Flips locally in San Diego as well as across the country out of state virtually with his worst project still being 60% cash-on-cash ROI.   During the show we discuss: ● How to get very high limits on credit cards ● Why you should ask for credit limit increases every 6 months ● Why using the credit you get is essential to getting higher limits ● Why to avoid hard-pull inquiries on your credit report ● Why you need to speak to underwriting not the first person who answers ● How to speak to underwriters to get them to give you higher limits  ● How to turn denials into approvals ● How to determine the best kind of credit card to apply for ● How to us credit cards to buy properties  ● How to cash out credit cards at 0% ● The best way to pay to rehab a property ● A cool hack to not be taken care of by contractors ● How to find the best renters for your properties ● The lenders who are the easiest to get cash out refinances from   Show resources: https://www.brandonelliottinvestments.com/ creditcounselelite.com

This week we cover the growing trend of why Millennials and Gen Y's are waiting to have kids or opting out having them at all. Some common reasons include the social system, the environment and the affordability.    In the roundtable we discuss alternative social gatherings for Thanksgiving and the holiday season. Lastly, we pay homage to losing Cindy and Justin from the program; however, we introduce Robo Cindy Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast

Companies offer you relief from credit card debt if it sounds to good to be true then beware. What to know before doing anything. Do it yourself to reduce the cost and time to get out of debt.  Article Link: https://www.consumer.ftc.gov/articles/0145-settling-credit-card-debt

If there's one thing we know, it's real estate. It's our business. Investing in real estate is also one of the best, safest paths to wealth, so today I'll walk you through how to get started.   Tips and Resources: Check out the Bigger Pockets Podcast. Read up on the BRRR Method: Buy. Rehab. Refinance, Repeat. Look into creative lending programs. Consider buying straight from clients Self manage at first Start small   You know fair market values, you know about listings before they hit the market, and you know other agents all over, so we have a little bit of an unfair advantage.   Find me on Instagram @karen.w.cooper   Thank you for listening! Click subscribe to be notified every Wednesday when our latest episode is released, and be sure to check out our group on Facebook. We are close to 30,000 members strong and we want you to join us!

An incredibly haunted house and a terrifying text highlight this edition of Campfire! Happy holidays! -NATIVE- Stay merry, happy and fresh this holiday season! You will love Native's limited time seasonal products as much as I do. Go to nativedeo.com/campfire or use code campfire to get 20% off your first purchase at checkout! -RITUAL- You deserve to know what's in your multivitamin. That's why Ritual is offering my listeners 10% off during your first 3 months. Visit ritual.com/campfire to start your Ritual today. -EARNEST- It's time to break out of the student debt cycle. Earnest can help you by refinancing your student loan. Earnest is offering our listeners a $100 cash bonus. Refinance your student debt at Earnest.com/campfire Terms & conditions apply.

This week's topic celebrates our first 52 personal finance tips. Just one year ago, we launched our two-minute tips of the week. and we couldn't be happier with the feedback that we've received because people are saving money and improving their lives. Some of the most popular tips include #5 about extending the life of your candles to keep the mood lighting in full glow. Another is #11 that detailed the process to buy used tires online that can save 50% over the cost of new tires. Others include the Ball aluminum solo-type cups, along with the value of purchasing a breathalyzer and  how to reduce water by not rinsing your dishes and opting to clean them straight through the dishwasher. As you may have noticed we consistently focus on ways to have a positive impact on the budget while protecting our environment as this is such an important topic. This is always a win-win situation. Additionally, when adding up all the tips this will have saved hundreds to thousands of dollars in 2021. Yeah baby! So you should be proud of your accomplishments and as we wind down the year, try to do something nice for yourself and give something back. Even the smallest gesture can go a long way. Soooo, as we head into 2022, we'll keep the tips coming and you will continue to be more effective personal finance managers.  So be safe, enjoy the holiday season and let's take care of each other.  Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast

  This week's episode cover items that you can do to tidy up your financial fitness.. It can be adding to your 401(k) and Roth IRA, using up your FSA or paying down debt with a potential raise or bonus. There are several items that covered in this episode that can prepare you for 2022. In the roundtable we discuss how phones command our attention specifically with social media.   Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop   Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast

This week's episode is about the silent killer . . . Radon. Radon is a silent killer because it's an odorless gas that we breathe in normally; and it is the second leading cause of lung cancer behind smoking. In addition, 21,000 deaths occur yearly. So what is radon you may ask? Let's do a quick assessment: It is the main source of our exposure to all radiation. The rocks and soil beneath our homes contain traces of uranium and over time, it breaks down creating radioactive decay which emits radioactive radiation. So this is not a good thing; however, it can be managed safely.  For starters, you can purchase a home test kit from Amazon, Home Depot, Lowes and the like, in the $15-$20 range.  Now if you do have high levels of radon, it goes without saying that you should get a professional to fix the problem. From my research it costs an average of $1,200 with a range from $800 to $1,500. Once the remediation is complete, you may also monitor it with a 24/7 device. I happen   to own a Wave Radon detector through a company called Airthings and this is precisely how I realized that I had a problem. So now I am in the process of putting a ventilation system into my home for $1,000. So now that we have that covered, this is a reminder to keep an eye on hidden financial tips that people often overlook. The first one is the rainy day fund comes into play, as this money is set aside for unforeseen events. If you take my situation, the radon kit, the Wave monitor and the professional service will cost me $1,165; however, I've saved the money to pay for it.  The second point is that there is no price that can be placed on one's health. Unplanned surgeries, long-term conditions and diseases can be a large financial burden for people of all income levels.  The bottom line is that it is important to save properly, and look around your home and put preventative measures into place - the upfront cost by far outweighs potential costs and health problems down the road. Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast

You might not be able to follow through on all 22 of these resolutions, but implement even just a few of these and you'll be well on your way to a more prosperous financial life in the coming year.   Read more and get additional financial resources here: https://savingtheamericandreampodcast.com/retirement-strategy/ep-22-22-money-resolutions-for-2022/242/   What we discuss in this episode:  2:54 – Reduce debt 4:31 – Boost savings 5:44 – Prepare for unexpected 7:25 – Don't overreact 8:51 – Budget 10:29 – Meet with a financial advisor 11:49 – Tough conversations 13:39 – Audit insurance 14:25 – Refinance 15:36 – Organize 16:38 – Check credit 17:30 – Check fees 18:30 – Share knowledge 19:52 – Give back 21:10 – Review tax brackets 22:11 – Roth conversion 23:13 – Update paycheck withholdings 24:39 – Rebalance portfolio 26:10 – Transition to retirement 27:21 – Consolidate accounts 28:06 – Listen to our podcast

This week's episode is about how tipping has become more important in the COVID pandemic society. We cover general guidelines about how much to tip and when to tip for services.  In the roundtable we discuss the experience of going to a wedding on a beach and the value of unexpected long-term relationships.   Tipping  https://www.rd.com/article/how-much-to-tip/ Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast  

Welcome back everyone to the Self Storage Income Podcast! I'm your host AJ Osborne! So if you've studied real estate investing for any amount of time or followed the Brandon Turner or Bigger Pockets, it's likely you've heard of the BRRRR strategy. If you haven't, it stands for Buy, Rehab, Rent, Refinance, Repeat. This strategy has become widely known as the go-to investment strategy for many residential investors. However, the fundamentals can be applied to commercial real estate investing and need only a slight re-framing…. I'd like to introduce you all to commercial real estate's BIRD strategy. This stands for Buy, Increase Revenue/Cash flow, Reduce risk, and Do it again. In today's episode we're taking a deep dive into this commercial real estate investment strategy, what you need to effectively execute each step of the strategy, and the exact framework that you can begin implementing to achieve commercial real estate investment success. Thanks a ton everybody! AJ Be sure to go to Selfstorageincome.com to get your copy of my Self Storage Playbook. This step by step playbook walks you through from start to finish - how to identify a self storage market, how to perform due diligence, how to contact a current owner, and ultimately how to land a deal and purchase a storage facility. You can also find the Self Storage Income Podcast on: iTunes Spotify Stitcher The Self Storage Income Podcast is Sponsored by: Janus International - https://www.janusintl.com/ Store Local - https://www.selfstorage.coop/aws/SL/pt/sp/home_page Live Oak Bank - liveoakbank.com/incomepodcast Tenant Inc. - https://www.tenantinc.com/ Cedar Creek Wealth: https://cedarcreekwealth.com/

This week's topic is about the Ball Corporation's new aluminum cups.  We've all seen the classic Ball jars with that thick glass and metal top for canning vegetables - in my case, I use them as drinking glasses.  As the world evolves so has Ball and they've recently announced the aluminum drinking cup that can replace the plastic solo type cups.  They come with ample sizes to drink from, they are more sturdy and well insulated to keep your beverage cool and it is a much more appealing drinking experience.  Now here's the good stuff: 20 billion plastic cups are used per year and 93% end up in landfills; however, 75% of all aluminum is recycled and is the most valuable commodity in the recycle bin. So as they are producing more aluminum cups less plastic will be used  As far as the upfront cost goes, you'll save triple the amount to that of the aluminum cup; however, once you reuse each cup just four times you'll save be saving money  In my humble opinion, this is a no-brainer product that just about everyone can take advantage of and the best part is that has a positive impact on the environment  Ball Aluminum Cups https://www.ball.com/aluminumcups/where-to-buy?gclid=cj0kcqia15ynbhdtarisagnwe0woqhymlgw7d8mk-j4sh4cnmvtqs8ddv818zllb3jrd97sisyx-v08aajesealw_wcb Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast  

What is the difference between a Warranty Deed, Special Warranty Deed and Quit Claim Deed? What is a Quick Claim Deed (hint: doesn't exist)? Why is it important to recite marital status on a deed and mortgage? Can someone qualify for financing immediately after being foreclosed (hint: yes!) On this week's episode of The Crushing Debt Podcast, I follow up from episode 296 to talk about the different types of deeds in Florida, and then answer a few listener questions. You would do me a huge favor and show your support for the show by introducing a title company or attorney in Florida or Texas who is due to renew their malpractice insurance to our sponsor, Sam Cohen at Attorneys First Insurance. Sam@AttorneysFirst.com or www.AttorneysFirst.com  If you want me to answer your question on a future episode, you can contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

Stocks took a beating on Friday thanks to Omicron. You can save yourself a lot of psycological greif when markets tumble by having a plan and a proper portfolio.Then we answer listeners questions:What do we think of robo-advisors?Would it make sense to move a TSP to Vanguard?Does it make sense to pay off a mortgage?What is a good retirement planning tool?Will TSP plans be offering more investment options soon?

This week's episode discusses sharing your salary information with your coworkers. Should this be a private matter or is it ethical to share it? Knowing can create opportunities to fair pay standards; however, it can create dissention when people feel they're underpaid for the same level of work.  The roundtable discusses pranks that we've played when it comes to ghosts in the house.   Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast  

This episode covers items that you should not buy on Black Friday. We explain why; and we also cover some quick personal finance tips for the holiday season -Clothing  -Furniture -Gaming Consoles -Televisions -Exercise Equipment Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast

A caller owns a "Green Hornet" car from the famous TV series and it's haunted. A Pac Man ghost and much more spookiness for this Thanksgiving Edition of the Campfire. Enjoy! -JIM'S HOLIDAY ORNAMENT CONTEST- Enter HERE –JIM's FREE NEWSLETTER- Signup HERE -EARNEST- It's time to break out of the student debt cycle. Earnest can help you by refinancing your student loan. Earnest is offering our listeners a $100 cash bonus. Refinance your student debt at Earnest.com/campfire Terms & conditions apply. -SHUDDER- You need to get Shudder, a fantastic video streaming service! Get started streaming the best horror, thriller and supernatural content. Perfect for the Halloween season! To try Shudder free for 30 days, go to shudder.com and use promo code campfire -POLICYGENIUS- Policygenius makes it easy to get life insurance done (and done right). You could save 50% or more by comparing quotes, and feel good knowing that your loved ones would be taken care of if anything were to happen. Go to policygenius.com to get started.

My brain is telling me to refinance the mortgage, but I'm not sure how long we're going to be living here, so I'm stuck in the mode of paralysis by analysis. Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

FROM OUR AUDIO ARCHIVESPlease do not call the phone number in podcast. Use 855-935-8255 instead.Also, the ads and other information may not be accurate at the time you listen.Does "the Dow" exceeding 22,000 mean much of anything? What happens to college savings if your child doesn't go to college.What purpose do bond funds serve in a portfolio?What's the best way to refinance a mortgage.How much is too much to pay for financial advice?

David Greene is a former Police Officer and co-host of the BiggerPockets Real estate podcast. The author of best selling books “Long Distance Real Estate Investing”, “Buy, Rehab, Rent, Refinance, Repeat”, and “Sold: Every Real Estate Agents Guide to Building a Profitable Business”, David is a nationally recognized authority on real estate, and has been featured on CNN, Forbes, and HGTV as well as over 25 different real estate podcasts. A licensed real estate broker and lender, David runs “The David Greene Team”, a top producing real estate company in Keller Williams where he has won multiple awards for production. An active real estate investor, David owns properties across the country. Find David's books on amazing below! Long-Distance Real Estate Investing: https://amzn.to/3cEQGgP Buy, Rehab, Rent, Refinance, Repeat: https://amzn.to/3cBWGqA SOLD: Every Real Estate Agent's Guide to Building a Profitable Business: https://amzn.to/30XZ5tk Special perks for our listeners below! ➢Vertical Diet Meals: https://verticaldiet.com/ Use code POWERPROJECT for free shipping and two free meals + a Kooler Sport when you order 16 meals or more! ➢Vuori Performance Apparel: Visit https://vuoriclothing.com/powerproject to automatically save 20% off your first order! ➢Magic Spoon Cereal: Visit https://www.magicspoon.com/powerproject to automatically save $5 off a variety pack! ➢8 Sleep: Visit https://www.eightsleep.com/powerproject to automatically save $150 off the Pod Pro! ➢Marek Health: https://marekhealth.com Use code POWERPROJECT15 for 15% off ALL LABS! Also check out the Power Project Panel: https://marekhealth.com/powerproject Use code POWERPROJECT for $101 off! ➢LMNT Electrolytes: http://drinklmnt.com/powerproject ➢Piedmontese Beef: https://www.piedmontese.com/ Use Code "POWERPROJECT" at checkout for 25% off your order plus FREE 2-Day Shipping on orders of $150 Subscribe to the Podcast on on Platforms! ➢ https://lnk.to/PowerProjectPodcast Subscribe to the Power Project Newsletter! ➢ https://bit.ly/2JvmXMb Follow Mark Bell's Power Project Podcast ➢ Insta: https://www.instagram.com/markbellspowerproject ➢ https://www.facebook.com/markbellspowerproject ➢ Twitter: https://twitter.com/mbpowerproject ➢ LinkedIn:https://www.linkedin.com/in/powerproject/ ➢ YouTube: https://www.youtube.com/markbellspowerproject ➢TikTok: http://bit.ly/pptiktok FOLLOW Mark Bell ➢ Instagram: https://www.instagram.com/marksmellybell ➢ Facebook: https://www.facebook.com/MarkBellSuperTraining ➢ Twitter: https://twitter.com/marksmellybell ➢ Snapchat: marksmellybell ➢Mark Bell's Daily Workouts, Nutrition and More: https://www.markbell.com/ Follow Nsima Inyang ➢ https://www.breakthebar.com/learn-more ➢YouTube: https://www.youtube.com/c/NsimaInyang ➢Instagram: https://www.instagram.com/nsimainyang/?hl=en ➢TikTok: https://www.tiktok.com/@nsimayinyang?lang=en Follow Andrew Zaragoza on all platforms ➢ https://direct.me/iamandrewz #PowerProject #Podcast #MarkBell

Scott Rieckens of Playing With Fire helps you decide whether or not you should refinance your mortgage. This is part 2 of 2. Episode 1710: [Part 2] Should I Refinance My Mortgage by Scott Rieckens of Playing With Fire on Home Loan Savings A successful entrepreneur living in Southern California, Scott Rieckens had built a “dream life”: a happy marriage, a two-year-old daughter, a membership to a boat club, and a BMW in the driveway. But underneath the surface, Scott was creatively stifled, depressed, and overworked trying to help pay for his family's beach-town lifestyle. Then one day, Scott listened to a podcast interview that changed his life. Five months later, he had quit his job, convinced his family to leave their home, and cut their expenses in half. Follow Scott and his family as they devote everything to FIRE (Financial Independence Retire Early), a subculture obsessed with maximizing wealth and happiness. Filled with inspiring case studies and powerful advice, Playing with FIRE is one family's journey to acquire the one thing money can't buy: a simpler — and happier — life.  The original post is located here: https://www.playingwithfire.co/blog/refinance-my-mortgage  If you're looking to supercharge your investment search and want to close on better deals while investing less time, head over to Awning.com/ofd   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Scott Rieckens of Playing With Fire helps you decide whether or not you should refinance your mortgage. This is part 1 of 2. Episode 1709: [Part 1] Should I Refinance My Mortgage by Scott Rieckens of Playing With Fire on Home Loan Savings A successful entrepreneur living in Southern California, Scott Rieckens had built a “dream life”: a happy marriage, a two-year-old daughter, a membership to a boat club, and a BMW in the driveway. But underneath the surface, Scott was creatively stifled, depressed, and overworked trying to help pay for his family's beach-town lifestyle. Then one day, Scott listened to a podcast interview that changed his life. Five months later, he had quit his job, convinced his family to leave their home, and cut their expenses in half. Follow Scott and his family as they devote everything to FIRE (Financial Independence Retire Early), a subculture obsessed with maximizing wealth and happiness. Filled with inspiring case studies and powerful advice, Playing with FIRE is one family's journey to acquire the one thing money can't buy: a simpler — and happier — life. The original post is located here: https://www.playingwithfire.co/blog/refinance-my-mortgage  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

A smiling ghost highlights tonight's all-new Campfire! -NEWSLETTER- Please sign up for Jim's free newsletter HERE -HelloFresh- HelloFresh makes the holidays easier. Your weekly delivery is made to help you cut back on meal prep and cleanup – and their limited edition holiday boxes deliver everything you need to cook up a family feast, no planning necessary. Go to HelloFresh.com/campfire14 and use code campfire14 for up to 14 free meals AND 3 free gifts! HelloFresh, America's #1 Meal Kit! -EARNEST- It's time to break out of the student debt cycle. Earnest can help you by refinancing your student loan. Earnest is offering our listeners a $100 cash bonus. Refinance your student debt at Earnest.com/campfire Terms & conditions apply. -Best Fiends- –BEST FIENDS– Best Fiends is the infamously impossible-to-put-down puzzle game that's free to download! I love it! Download Best Fiends FREE today on the Apple App Store or Google Play. That's FRIENDS without the R – Best Fiends!