Podcasts about refinance

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  • 619PODCASTS
  • 2,259EPISODES
  • 37mAVG DURATION
  • 1DAILY NEW EPISODE
  • Aug 15, 2022LATEST

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Best podcasts about refinance

Show all podcasts related to refinance

Latest podcast episodes about refinance

Something On My Mind|Personal Finance, Budgeting, Investing
#123 - Why People are Leaving California and the Virtual Proctology Exam

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Aug 15, 2022 54:17


This week discuss the trend of people leaving California due to the Pandemic, The Great Resignation, Climate and Cost of LivingWebsite:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast

How Did They Do It? Real Estate
SA498 | From Landlording to Owning Larger Multifamily Investments with Hilary Graves

How Did They Do It? Real Estate

Play Episode Listen Later Aug 12, 2022 33:56


Are you strong enough to face challenges and go bigger in life? Motivate yourself to find the answer in this episode as we invited Hilary Graves to give us some inspiration on using your struggles and positivity as a foundation of your strength in creating a better life. Learn her story of starting from small to navigating tremendous opportunities and scaling a business utilizing different strategies. This is worth listening to, so join us.Key Takeaways to Listen forOne of the best ways to buy an investment propertyThings to look for to determine a good deal and property's potentialHow to resolve common tenancy issuesThe influence of having a positive outlook in aiming for higher goalsFactors you could consider in making a BRRRR strategy workSome motivations behind people's success in real estate investingResources Mentioned in This EpisodeGetwell.orgBuy, Rehab, Rent, Refinance, Repeat: The BRRRR Rental Property Investment Strategy Made Simple by David M. Greene | Kindle and PaperbackRod KhleifFree Apartment Syndication Due Diligence Checklist for Passive Investor About Hilary GravesHilary Graves is the founder and managing partner of the New York, Pennsylvania-based private equity firm called Bright Sound Investments. Aside from a brief period of "accidental landlording" in 2007, Hilary took a long time to begin investing in real estate. In 2020, she and her husband Billy founded Bilary Property Group. After that, they made a few minor multifamily apartment purchases in South Central Pennsylvania before deciding to go after bigger multifamily purchases.In addition to being limited partners on a 137-unit building in North Charleston, South Carolina, Hilary and her husband are aiming to become general partners in their subsequent purchase.Hilary has a background in real estate as well as music education and performance. She has shared the stage as a pianist and singer/songwriter with musical ensembles around the nation, and she has performed original songs on international television and radio.Hilary lives life with an extra dosage of thankfulness, an unbelievable amount of tenacity, and an amazing amount of perseverance. She has survived three life-threatening illnesses and an astonishing number of significant health difficulties throughout her lifetime.Billy and Hilary have been married for 17 years, and the couple, along with their two lovely children, resides in New York.Connect with Hilary Website: Bright Sound InvestmentsEmail: hilary@brightsoundinvestments.comConnect With UsPlease visit our website: www.bonavestcapital.com and please click here, to leave a rating and review!SponsorsGrow Your Show, LLCThinking About Creating and Growing Your Own Podcast But Not Sure Where To Start?Visit GrowYourShow.com and Schedule a call with Adam A. Adams.

Home Loans Radio With Mortgage guy Don!
Home Loans Radio 08.06.2022 With That Mortgage Guy Don- Ask your Thai Hot Mortgage questions and we answwer them.

Home Loans Radio With Mortgage guy Don!

Play Episode Listen Later Aug 8, 2022 69:48


Home Loans Radio 08.06.2022 With That Mortgage Guy Don- Ask your Thai Hot Mortgage questions and we answwer them.

Something On My Mind|Personal Finance, Budgeting, Investing
#122 - The Inflation Update: Are We Going into a Recession?

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Aug 8, 2022 50:25


This week we give an update on rising inflation and when will there be relief.Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast

Business and BBQ
When should I refinance my low interest investment properties?

Business and BBQ

Play Episode Listen Later Aug 7, 2022 5:55


Sam writes: 2 of my investment properties have 30 year fixed rates in the mid 2's and low 3's. At what LTV does it make sense to cash out refi with these higher interest rates?

Reduce Debt Increase Wealth
Reminders For Personal Finance

Reduce Debt Increase Wealth

Play Episode Listen Later Aug 7, 2022 27:49


What to do when getting debt reduced, many may not know what to do with the money. Do not do wasteful spending but instead set up for success. The things everyone should consider having to make sure finance is never a problem. Article Links: https://www.clevergirlfinance.com/blog/important-reminders/ By Bola Sokunbi Comments, Questions, Requests, contact by email belowReducedebtincreasewealth    at    gmail   .    com  Career SweetspotA Greenhouse Coaching podcast for career and leadership growth.Listen on: Apple Podcasts SpotifyHow to contact Misterchuck , for questions, comments, requests use this email address. Reducedebtincreasewealth@gmai.com

Something On My Mind|Personal Finance, Budgeting, Investing
PFT #90 - Personal Finance Tip of the Week: Ordering Supplies for Landscaping and General Contractor Jobs

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Aug 4, 2022 2:05


According to Zippia.com in 2021, the average amount homeowners spent on home improvement was $10,341, which was up by 25% from 2020. This makes sense as people spent their cabin fever time improving their homes; and now that Covid is more controlled, people are spending more due to M1 money supply with unemployment, stimulus checks. Now that labor rates are rising due to lack of resources, the general contractors and landscaping companies are raising their rates and passing them onto you. This is another end result of inflation. So what can be done to curb the cost? The easiest one is reducing the cost for supplies to complete the jobs. Generally speaking, the typical markup on materials is between 7.5 and 10 percent. However, some contractors will mark up materials 20 percent or more. What you can do is ask the contractor for a materials list and place the orders yourself. Now with larger jobs, come more complicated supply lists, ad hoc purchases and add ons. In addition, you may make several purchases through a project's life cycle so you need to stay on task. In many cases you should be able to order the large majority of goods while removing copious tasks from the contractor who may not want that burden anyway. The bottom line is that this is an easy way to save money and learn a bit along the way. For example, a $30,000 job you could save you anywhere from $2,250 to $6,000. Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast

Passive Wealth Strategies for Busy Professionals
Retiring Early with Real Estate, a True Story! with Veronica & Will Pritchett

Passive Wealth Strategies for Busy Professionals

Play Episode Listen Later Aug 2, 2022 36:57


Will and Veronica Pritchett are truly a power couple! He is a Firefighter, and Veronica quit her job as the assistant principal of a high-school to work full-time on their real estate business! They started with a simple rental, and are now avid users of the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat). They have gotten so good at this that they have private lenders lined up to invest with them. This allows them to purchase the property with ZERO money out of their own pocket!   [00:01 – 05:39] Opening Segment Retirement through real estate investing with the firefighter-educator couple, Will and Veronica Pritchett Financial freedom is possible even if you're not from extreme wealth Will talks about their experience using BRRRR Strategy   [05:40 – 15:07] Building Business towards Financial Freedom Will shares about their experience in creating first partnerships with lenders Veronica talks about their roles in their business Success is earned through a team approach The difficulties of being a woman in a man-dominated field   [15:08  – 29:01] Strategies to Keep Your Business Growing Always have multiple exit strategies Business takes risks and sacrifices Personal and Business goal settings Constantly Moving and Adjusting goals   [29:02 – 36:58] Closing Segment Quick break for our sponsors The first step to growing your wealth is tracking your wealth, income spending and everything else about your finances, you can start tracking your wealth for free and get six free months of wealth advisor.  Learn more about Personal Capital at escapingwallstreet.com What is the best investment you've ever made other than your education? Prioritizing travel as a family Network building and network maintenance Will and Veronica's worst investments Locking up too much money for long, long term Selling properties outside the 10:31 exchange What is the most important lesson you've learned in business and investing? “Remain patient and consistent” “Understand the reason why you're doing this.”   Connect with Will and Veronica Pritchett through homeagainessay.com and Instagram.   Invest passively in multiple commercial real estate assets such as apartments, self storage, medical facilities, hotels and more through https://www.passivewealthstrategy.com/crowdstreet/ Participate directly in real estate investment loans on a fractional basis. Go to www.passivewealthstrategy.com/groundfloor/ and get ready to invest on your own terms. Join our Passive Investor Club for access to passive commercial real estate investment opportunities. LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode or click here to listen to our previous episodes                     Resources Mentioned The 4 Disciplines of Execution   Tweetable Quotes: “It does feel slow starting out, one rental is probably not gonna get you there. But start with the first one, learn what you can, continue to educate yourself.” – Will Pritchett                                  “I think you have to have a plan. You've got to readjust as things happen.” – Will Pritchett           “I think the biggest lesson was to be really patient and consistent” – Veronica Pritchett  

The FitBUX Podcast
Student Loan Refinance

The FitBUX Podcast

Play Episode Listen Later Aug 2, 2022 28:43


Refinancing is replacing one loan with another loan. Should you refinance those student loans? It's going to cost you lots if you refinance when you shouldn't, or if you don't refinance when you should. Joe breaks it down for you on how to decide when to refinance. Other articles of interest: Refinancing Student Loans: The Ultimate Guide By FitBUX 9 Best Student Loan Refinance Companies https://www.fitbux.com/articles/student-loans/

Something On My Mind|Personal Finance, Budgeting, Investing
#121 - The $1.2 Billion Mega Million Winner. What Would Yoiu do With the Money?

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Aug 1, 2022 46:16


What would you do with $1.2 billion? The Mega Millions just had its largest winner ever. Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast

Reduce Debt Increase Wealth

 Overwhelmed with debt can cause problems, many problems. Taking control of money and getting the debt under control will help everything in life. Making it easier for daily living and long-term goals. Take control of your money, do not let it control you. Article Links:https://consumer.westchestergov.com/financial-education/credit-and-debt-management/tips-to-reduce-your-debthttps://www.wellsfargo.com/goals-credit/smarter-credit/manage-your-debt/tips-for-managing-debt/       Comments, Questions, Requests, contact by email belowReducedebtincreasewealth    at    gmail   .    com Queens On A RollThis podcast was created to educate & inspire people about the ably different...Listen on: Apple Podcasts SpotifyHow to contact Misterchuck , for questions, comments, requests use this email address. Reducedebtincreasewealth@gmai.com

Real Estate Investing Abundance
REIA 178 Brian Grimes: Passive Income for ANYONE

Real Estate Investing Abundance

Play Episode Listen Later Jul 27, 2022 28:31


Brian K. Grimes, Jr. Certified Financial Planner, is an Ivy League-educated real estate entrepreneur and coach. Upon graduation from Columbia University in 2011, he embarked on a career in Financial Planning. In 2015, Brian launched his own real estate development company and has since gone on to renovate 300+ rental properties using the Buy, Rehab, Refinance, Rinse, Repeat strategy.Main Points:The BRRR (Buy, Rehab, Rent, Refinance, Repeat) methodCreating exciting real estate investment opportunities that enrich Class C NeighborhoodsEstablishing a passive income strategy through real estateConnect with Brian Grimes:www.workwithgrimes.com/cashflowwww.youtube.com/c/BrianLovesCashFlow 

Something On My Mind|Personal Finance, Budgeting, Investing
#120 - Please Don't Invite Me to Your Weeding. I'm Broke

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Jul 25, 2022 41:55


This week we talk about how there are a record number of weddings in 2022 and the people attending them are going brokeWebsite:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast

Reduce Debt Increase Wealth
Budgeting Categories

Reduce Debt Increase Wealth

Play Episode Listen Later Jul 24, 2022 34:22


In a perfect world these would be determined before buying or renting a place to live. This is not possible in most cases what should be the percentages of income in each category and why this is important in keeping a personal budget. What categories that need to be in a budget and how to group. Article Links:  https://www.budgetsmadeeasy.com/household-budget-percentages/ By Ashley Patrick https://moneyfit.org/how-to-budget?gclid=EAIaIQobChMI3pmu3OHw9wIVegaICR3GTwPXEAAYAiAAEgI1yPD_BwE Comments, Questions, Requests,  contact by email belowReducedebtincreasewealth    at    gmail   .    com Career SweetspotA Greenhouse Coaching podcast for career and leadership growth.Listen on: Apple Podcasts SpotifyHow to contact Misterchuck , for questions, comments, requests use this email address. Reducedebtincreasewealth@gmai.com

Something On My Mind|Personal Finance, Budgeting, Investing
#119 - $100,000 in Salary and $113,000 in Student Loan Debt

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Jul 18, 2022 44:35


We field a question on the Internet from a 26-year old pharamcist who is making $100K per year and has $113,000 in student loan debt. He has $5,600 in monthly net income and puts $4K to his debt payments. He wants to buy a house. Is he broke? What should he do in his financial planning? Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast

Reduce Debt Increase Wealth
Benefits of Tracking Expenses

Reduce Debt Increase Wealth

Play Episode Listen Later Jul 17, 2022 39:45


What is tracking expenses and how will this help in getting a budget under control. This is the easiest way to setup a budget and to maintain a budget without using a lot of your time.  Article Links: https://www.kindafrugal.com/benefits-of-tracking-your-expenses/ By Jerry Grahamhttps://richardkleincpa.com/importance-of-keeping-track-of-your-expenses/  Comments, Questions, Requests,         contact by email below Reducedebtincreasewealth    at    gmail   .    com How to contact Misterchuck , for questions, comments, requests use this email address. Reducedebtincreasewealth@gmai.com

Debt Free in 30
411 – High Home Equity, But Can't Refinance - How to Deal with Debt?

Debt Free in 30

Play Episode Listen Later Jul 16, 2022 33:34


What options do homeowners have when they've got a lot of home equity and a lot of unsecured debt, but the bank won't let them refinance by borrowing against their home? On today's podcast, Ted Michalos and Doug Hoyes explain why homeowners often carry so much more debt than non-homeowners, how to deal with your unsecured debts whether refinancing is an option or not, and how an insolvency filing can affect your home. Given today's economic situation, this may sadly be a reality for many homeowners in the months and years to come. Tune in for lots of practical strategies and advice!   Helpful Links:   Second Mortgage or Interest-Free Consumer Proposal: https://www.hoyes.com/blog/second-mortgage-or-interest-free-consumer-proposal/ Hoyes Michalos Joe Debtor Bankruptcy Study  https://www.hoyes.com/press/joe-debtor/             Hoyes Michalos Homeowners Bankruptcy Index: https://www.hoyes.com/press/homeowner-bankruptcy-index/

Something On My Mind|Personal Finance, Budgeting, Investing
PFT #89 - Personal Finance Tip of the Week: The Pet Invisible Fence - Wired or Wireless?

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Jul 15, 2022 2:25


If you have a dog and a fenced-in yard, this helps your furry companion with better overall health as it provides him the ability to be outdoors, exercise and have a consistent marked territory.On the other hand, if you do not have a fenced yard, this is where the invisible fencing comes into play. Other than the shock factor that your pet will adapt to, this is a fantastic option.This has been a common choice for pet owners for many years; however, the cost for a system is expensive as it averages $1,200 from my research.The main difference is choosing between the wired and wireless option. The wireless is more expensive and they can be harder to set especially with pro installation and wires can break and be difficult to fix due to tree roots and underground obstacles. The biggest hurdle for the wireless is that it may have difficulty tailoring to the shape of the yard's boundary.So what choice do you make? To me, wireless is the best option.It is less expensiveYou can adjust the boundary settings with a turn of a dialYou can take the system to any location, plug it in and you are ready to goAs for me, I found a refurbished system for $250 from a reputable company. I set up the flags and my dog was trained by the second day. In addition, I have an acre of land and have not incurred an incident with boundary limits and my dog couldn't be happier. Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast

Something On My Mind|Personal Finance, Budgeting, Investing
#118 - Bobby Bonilla's Contract B-Day and High Earners That are Living Paycheck-to-Paycheck

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Jul 11, 2022 43:17


This week we wish Bobby Bonilla happy birthday for his annual contract from the New York Mets where he receives $1.92 million for 25 years that comes to $29.8 million. His original buyout was $5.9 million; however, compound is also his best friend. No doubt that he has a great agent. We also talk about the stat that 30% of people are living paycheck-to-paycheck that have a $250,000 household income. Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast

Reduce Debt Increase Wealth
Benefits of Budgeting

Reduce Debt Increase Wealth

Play Episode Listen Later Jul 10, 2022 29:15


People do not like thinking about making and maintaining a budget. The B word is almost like a bad word to most, but the benefits out weight the time and effort to get a budget set up. Maintaining a budget will prevent the problems that are common with most households. The too much debt problem and the lack of money to reduce the debt.  Article Links: https://www.cabotfinancial.co.uk/money-management/money-management/what-are-the-benefits-of-budgeting By Kay Choudhury https://thesavvycouple.com/benefits-of-budgeting/ By Brittany KlineComments, Questions, Requests, contact by email below Reducedebtincreasewealth    at    gmail   .    com How to contact Misterchuck , for questions, comments, requests use this email address. Reducedebtincreasewealth@gmai.com

Something On My Mind|Personal Finance, Budgeting, Investing
PFT #88 - Personal Finance Tip of the Week: When to Refill the Propane Tank for Grilling

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Jul 8, 2022 2:37


According to Aghires, Over 74 million Americans grilled out for the 4th of July. Of this food, burgers will be cooked by 85% of people, steak 80%, and chicken 73% and not to mention, 150 million hot dogs.When it comes to grilling, 61% of people choose propane and 49% for the charcoal purists according to statista.com Now that we've had some heat on this topic, the last thing that you want to do is run out of propane when you're in the middle of dinner preparation.A common question is . . . how do I determine when I need to refill my tank? Instead of shaking it, there is a simple solution to this. Bring a pot of water close to a boil and then pour it over the tank. This creates a physical reaction between the hot water on the tank surface and the propane inside your tank. Hence, putting your hand on the tank and where it becomes cool determines how much propane is remaining and you can decide when you need a refill. The bottom line is that a standard 20 pound tank is around $20 so leaving less gas behind won't save you much money; however, it can save you from future aggravation. In my case, it keeps heat going on the grill rather than the heat coming from my wife.Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast

Investing In Real Estate With Lex Levinrad
Interview with my Student Andy About Airbnb Rentals

Investing In Real Estate With Lex Levinrad

Play Episode Listen Later Jul 8, 2022 47:53


On this podcast episode, I interview my student Andy Saintilus and we talk about his success as a real estate investor, and how and why he transitioned from long term rentals to short term rentals. Andy is just 33 years old. He attended his first real estate training event with me around 5 or 6 years ago. Shortly after that, he signed up for my one on one coaching program. Over the past 5 years, Andy has purchased 10 rental properties in Miami using the Buy, Repair, Rent and Refinance strategy (BRRR). I loaned him the money on all 10 properties - which is one of the benefits of my coaching program. In the past few years, he has transitioned his long term Section 8 rentals into short term vacation rentals that are listed on Airbnb. He now has all 10 properties in Miami listed as short term rentals on Airbnb. Andy now generates over $50,000 a month in income from Airbnb. He has also increased his net worth by almost 2 million dollars. And he is only 33 years old! In November, Andy quit his corporate job for good. He now has a life of financial freedom. His story is truly inspiring. If you are a new real estate investor, listen to his story and get the motivation and inspiration that you need to start learning how to buy rental properties with other people's money using the buy, repair, rent and refinance strategy. Andy will be at our Airbnb and Short Term Rentals Boot Camp next weekend. If you want to attend call our office at (561) 948-2127

Something On My Mind|Personal Finance, Budgeting, Investing
#117 - Restaurant Rip Offs and Bragain Hunters

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Jul 4, 2022 42:41


This week we discuss what makes a bargain hunter and restaurant rip offs from workers in the field. In the roundtable we talk about waitstaff mishaps and generous tipping.Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast

Reduce Debt Increase Wealth

What causes inflation and how to reduce the effects of inflation on personal budget. Knowing the causes of inflation will help in dealing with this problem. It not a short-term problem but will be a long-term problem. Article Link:https://www.investopedia.com/terms/i/inflation.asp By Jason FernandoComments, Questions, Requests contact by email below Reducedebtincreasewealth    at    gmail   .    com How to contact Misterchuck , for questions, comments, requests use this email address. Reducedebtincreasewealth@gmai.com

Something On My Mind|Personal Finance, Budgeting, Investing
PFT #87 - Personal Finance Tip of the Week: Rotating and Maintaining Your Furnitre

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Jul 1, 2022 1:48


When it comes to using a couch, sofa or chair, many people simply use it and do not think about maintenance; however, this may leave you with furniture that wears out prematurely. So to avoid this, let's go through some tips:1. Rotate and fluff seat and back cushions regularly. This simply extends the life of the furniture2. Rotate identical upholstered accent and dining room chairs when one or more of them are not used regularly. This will extend their life even further3. Vacuum furniture with an upholstery attachment on a regular basis This will prevent the cushion core from wearing prematurely, will preserve the fabric color and control welt slippage. Although dust may not be apparent, it settles into your upholstery and may not only make it dirty, but may eventually damage the fibers if not removed. Remember, If you think that your furniture is clean, just bang your hand on the cushions in the sunlight and you'll have hundreds of particles floating in the air. The bottom line is that this is not your typical personal finance tip; however, when the rubber meets the road, life is all about math and money. Hence, take care of your things and they will take care of your pocketbook. Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast

Denver Real Estate Investing Podcast
#383: Getting $250k Cash to Replace Lightbulbs? A Creative Method for Pulling out Equity in an Office Building Refinance

Denver Real Estate Investing Podcast

Play Episode Listen Later Jun 28, 2022 19:06


How do you adjust your investing strategy when you're at the end of your investing cycle? Strategic Partners Marcus Davis and William Foy of Spearhead Commercial Capital join us to discuss an office building refinance they helped a client complete. He's winding down his investments and wanted to pull out cash and get a lower interest rate. Marcus matched a strategy to his goal, and found a creative way to pull out equity. Listen to the episode to learn how this client freed up $250K in cash!

Something On My Mind|Personal Finance, Budgeting, Investing
#116 - Not Cleaning the Things that Clean Things Can Cost You Hundreds of Dollars

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Jun 27, 2022 45:44


In this episode we discuss the things that clean things with your appliances. If you don't handle the regular maintenance repairs or replacements can cost you hundreds to thousands of dollars over time.In the roundtable we discuss how people get pre-mad about things or events people attend them or talk to people.Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast

Your Financial Pharmacist
Ask a YFP CFP® #120: Should I refinance my federal student loans with the possibility of some student loan cancellation happening?

Your Financial Pharmacist

Play Episode Listen Later Jun 27, 2022 7:09


Welcome to Ask a YFP CFP®, a segment of the Your Financial Pharmacist Podcast! On today's show Tim Baker, CFP®, RLP® takes this question from Kayla in New Orleans, Louisiana: Should I refinance my federal student loans with the possibility of some student loan cancellation happening? Mentioned on the Show: YFP Planning: Financial Planning for Pharmacists Schedule a free Discovery Call with YFP Planning Learn More About Our 1:1 Student Loan Analysis with a CFP® Send in your questions here or to info@yourfinancialpharmacist.com Your Financial Pharmacist Disclaimer and Disclosures Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's personal situation when answering a question.

Reduce Debt Increase Wealth
How to Save Money

Reduce Debt Increase Wealth

Play Episode Listen Later Jun 26, 2022 28:22


How to reduce the spending and save more money to reduce debt or increase savings. First must identify that there is a spending problem. Then find ways to solve this problem.  Article Links:https://www.nerdwallet.com/article/finance/how-to-save-money By Courtney NeidelComments, Questions, Requests, contact by email below Reducedebtincreasewealth   at  gmail .  comHow to contact Misterchuck , for questions, comments, requests use this email address. Reducedebtincreasewealth@gmai.com

Flusterclux: Fix Anxiety With Lynn Lyons LICSW
The 7 Anxiety Disruptors For Families: #3 get uncomfortable on purpose

Flusterclux: Fix Anxiety With Lynn Lyons LICSW

Play Episode Listen Later Jun 24, 2022 47:46 Very Popular


Anxiety wants certainty, and when that's not possible, avoidance becomes the demand. Unfortunately, as anxious families fall into patterns of avoidance, anxiety strengthens. Families need a different strategy, a way to break patterns and retrain the worried brain. In this episode, Lynn explains how to build on the first two puzzle pieces of expecting and talking to worry (our first two episodes in this seven-part series). It's now time to DO the opposite of what worry demands: step into situations that actually make worry arrive, and lay down new pathways by responding differently. This puzzle piece is the meat of the sandwich…it takes courage and encouragement, as well as consistency and practice. The worried brain needs the opportunity to relearn.  JOIN US IN ORLANDO FOR OUR FIRST FAMILY RETREAT This is our first retreat where you can bring the kids, too, and we're hosting an incredible weekend at the Four Seasons Orlando September 30-October 2. In addition to two morning workshops with Lynn Lyons, you can expect an exclusive Disney party inside the theme parks, and the chance to relax at the country's best family pool. The Four Seasons offers a complimentary kids club for ages 4 through 12. We're half sold, so register today! Rooms start at $459. And there are only 3 private session with Lynn left! THE LATEST ANXIETY MANAGEMENT COURSE FOR PARENTS! MANAGING ANXIETY IN CHILDREN: A GUIDE FOR PARENTS This self-paced course covers the core tools a family needs to manage their anxiety, the same principles Lynn teaches to families in her private practice. This course includes 6 video modules from Lynn Lyons, LICSW, and 9 additional Q&A videos from Lynn and Robin of Flusterclux. What you'll get: Understand how anxiety works so that you can help manage your kids and your own. Learn what to say when anxiety shows up for you or your kids. For Kids: A special video that explains how anxiety works suitable for those ages 6 and up.  VISIT OUR SPONSORS FOR SPECIAL OFFERS JUST FOR YOU Auto Approve is an online service that makes vehicle refinancing easier and faster. Auto Approve connects vehicle owners with a network of top credit unions, banks and finance companies to find the best available interest rates – then helps handle the paperwork, simplifying the vehicle refinance process from beginning to end, and putting more money back in your wallet. Refinance your auto loan through Auto Approve, and they'll send our listeners $100 autoapprove.com/adalyst. We've worked out a special deal with Hiya Health for their best selling children's vitamin. Receive 50% off your first order. To claim this deal you must go to hiyahealth.com/FLUSTER. Get your kids the full-body nourishment they need to grow into healthy adults. Better Help: Flusterclux listeners get 10% off their first month of online therapy at BetterHelp.com/lynn. Credit Karma uses your credit data to find loan offers that are personalized to you, so you can have a better idea of what loan amount you can get approved for. Credit Karma will even show you your chances of approval, so you can choose between loan offers that you're more likely to get approved for and apply with more confidence. Comparing loan offers on Credit Karma is 100% free, won't affect your credit scores and could save you money. Ready to apply? Head to creditkarma.com/loanoffers to see personalized offers. FOLLOW US Join the Facebook group to get news on the upcoming courses for parents, teens, and kids. Follow Flusterclux on Facebook and Instagram. Follow Lynn Lyons on Twitter and Youtube. New episodes arrive Friday at 5:00AM EST.

Something On My Mind|Personal Finance, Budgeting, Investing
PFT #86- Personal Finance Tip of the Week: The Ruggable Washable Rug_mixdown

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Jun 23, 2022 2:37


How many times have your rugs been stained with wine or food or they are just dirty.What about pets peeing or pooping on the rug? It is probable that it has happened to all of us seeing that there are approximately 160 million dogs and cats in the United States. This is where a company called Ruggable comes into play. What they have over other r ugs is that they are washable. They have a thin carpet layer made of mainly polyester with a rubber mat underneath.From our research and own experience, these rugs are easy to install and they don't shift. When it comes to washing them, 3' X 5' and 5' x 7' rugs fit into the washer nicely. If you have a larger size they can fit depending on the load capacity.In terms of cost, they are comparable to Target and World Market; we paid $338 for ours. In terms of how they feel you will not get a plush, padded option, so try plush or shag-style rugs if that is your preference. As for the environmental impact, these rugs are made from polyester meaning that they derive from petroleum, so this is not an eco-choice. On the other hand, if you can reduce the amount of rugs that you have to replace over time, then less material reduces the overall carbon footprint.The bottom line is that these rugs have been a long awaited choice that will save you money over time. There's nothing like coming home from a long day or trip to find that your dog left a special present for you.Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast

Something On My Mind|Personal Finance, Budgeting, Investing
#115: Timmy Mckeegan; the 12-year prodigy: The author, podcaster, globetrotter and stable coin creator

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Jun 20, 2022 47:03


This week we interview Timmy Mckeegan; the 12-year old prodigy who at a young age is making a mark on the world. He is mining his own stable coin, has written two books and a podcast and has traveled to 30 countries. He has an amazing life and has accomplished more than many people do in an entire lifet ime.In the roundtable, we discuss getting rid of your possessions. How much do you have and how much do you need?Timmy's website:https://investingforkidsbykids.com/Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast

The Jimmy Rex Show
#18 - Real Estate Investing - Steve DeYoung - Founder Of Trillion Mortgage Explains What's Going On With Housing & Interest Rates

The Jimmy Rex Show

Play Episode Listen Later Jun 20, 2022 40:00


Guest Bio:Steve is the founder of Trillion Mortgage, one of Utah's premier mortgage brokers since 2003. He separates his brokerage from the competitors by providing unbiased education and options for mortgages as opposed to finding a “one size fits all” option. Steve is an expert in the real estate industry and goes in to what is going on with the recent interest rate increase and the current housing market.

The Mortgage Reports Podcast
Is It Worth It To Refinance At a Higher Rate To Access Home Equity?

The Mortgage Reports Podcast

Play Episode Listen Later Jun 20, 2022 5:21


Homeowners are sitting on a lot of equity. You might be wondering if now is a good time to refinance in order to access that equity - even with rates being higher? In this episode, mortgage expert Shivani Peterson NMLS# 866955, goes over scenarios where refinancing at a higher rate might be worth it and scenarios where you should wait to refinance. Homeowner equity is at an all-time high – so people may be wondering what they can do with it.Reasons you shouldn't pull equity out.Reasons it would make sense to pull equity out, even if your payment and rate will go up The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com

Flusterclux: Fix Anxiety With Lynn Lyons LICSW
The 7 Anxiety Disruptors For Families: #2 How to Talk To Your Kid's Worry (And Your Own)

Flusterclux: Fix Anxiety With Lynn Lyons LICSW

Play Episode Listen Later Jun 17, 2022 31:25 Very Popular


Externalizing worry (and other strong emotions) teaches children and parents to take a step back and notice HOW worry and other big feelings operate. Changing the response to worry (instead of changing the environment to meet anxiety's demands) is a powerful skill. Consistency and practice are key, and Lynn talks about how to explain and use externalizing in your family to promote emotional intelligence and management. These skills are relevant for kids and adults. JOIN US IN ORLANDO FOR OUR FIRST FAMILY RETREAT This is our first retreat where you can bring the kids, too, and we're hosting an incredible weekend at the Four Seasons Orlando September 30-October 2. In addition to two morning workshops with Lynn Lyons, you can expect an exclusive Disney party inside the theme parks, and the chance to relax at the country's best resort pool for families. The Four Seasons offers a complimentary kids club for ages 4 through 12. We're now over half sold, so register today! Rooms start at $459. And there are only 3 private session with Lynn left! Registration will close August 1. THE LATEST ANXIETY MANAGEMENT COURSE FOR PARENTS! MANAGING ANXIETY IN CHILDREN: A GUIDE FOR PARENTS This self-paced course covers the core tools a family needs to manage their anxiety, the same principles Lynn teaches to families in her private practice. This course includes 6 video modules from Lynn Lyons, LICSW, and 9 additional Q&A videos from Lynn and Robin of Flusterclux. What you'll get: Understand how anxiety works so that you can help manage your kids and your own. Learn what to say when anxiety shows up for you or your kids. For Kids: A special video that explains how anxiety works suitable for those ages 6 and up. VISIT OUR SPONSORS FOR SPECIAL OFFERS JUST FOR YOU Auto Approve is an online service that makes vehicle refinancing easier and faster. Auto Approve connects vehicle owners with a network of top credit unions, banks and finance companies to find the best available interest rates – then helps handle the paperwork, simplifying the vehicle refinance process from beginning to end, and putting more money back in your wallet. Refinance your auto loan through Auto Approve, and they'll send our listeners $100 autoapprove.com/adalyst. We've worked out a special deal with Hiya Health for their best selling children's vitamin. Receive 50% off your first order. To claim this deal you must go to hiyahealth.com/FLUSTER. Get your kids the full-body nourishment they need to grow into healthy adults. Better Help: Flusterclux listeners get 10% off their first month of online therapy at BetterHelp.com/lynn. Credit Karma uses your credit data to find loan offers that are personalized to you, so you can have a better idea of what loan amount you can get approved for. Credit Karma will even show you your chances of approval, so you can choose between loan offers that you're more likely to get approved for and apply with more confidence. Comparing loan offers on Credit Karma is 100% free, won't affect your credit scores and could save you money. Ready to apply? Head to creditkarma.com/loanoffers to see personalized offers. Varsity Tutors offers one-week-long, small group camps on fun, educational topics. Kids get all the benefits of summer camp–learning new things, making new friends, exploring their favorite subjects–from the convenience of home. Varsity Tutors Camps are available in STEM topics like space, dinosaurs, inventing and experimenting, weather, coding for beginners and through video games like Minecraft, Roblox, and Unity, art, and more fun topics like chess, magic, and financial literacy. Go to varsitytutors.com and use promo code FLUSTER at checkout to save $50 on any summer camp. FOLLOW US Join the Facebook group to get news on the upcoming courses for parents, teens, and kids. Follow Flusterclux on Facebook and Instagram. Follow Lynn Lyons on Twitter and Youtube. New episodes arrive Friday at 5:00AM EST.

Something On My Mind|Personal Finance, Budgeting, Investing
PFT #85 - Personal Finance Tip of the Week: Purchasing Event Tickets and Parking

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Jun 16, 2022 2:25


Even in times of rising inflation, people seem to be going out and spending money. This is likely to occur for some time until things are too expensive and we fall into a recession or in stagflation stateAt the moment the world has a handle on Covid and entertainment venues are filling the seats. So when going to an event, the question is: do you buy your tickets right away or do you wait? If it is a can't miss, people will pay up.If you decide to wait, there are many apps out there to buy tickets in the second hand market.So for the next question: is it better to wait until to pruchase tickets right up until the event occurs.Typically this is a good strategy, but more so when the event is not sold out as venues want to fill their seats.Recently, I went to a baseball game on Memorial Day weekend and it turned out that it was less expensive to buy the seats at Will Call rather than through an app. This is because the demand was high.As for sporting events, if the team stinks or you don't mind showing up after it starts this will save you money.Another strategy is to search for events straight through the venue as you can find packages that will include parking. We have found this to be advantageous. We parked close to the building and saved money. There's nothing like paying $60 bucks to park, right? The bottom line is that there is no right or wrong answer.As for my wife and I, being spontaneous keeps life interesting - we hop in the car, find an event and we keep some of our money from going to the overpriced ticket brokers. Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast

Real Estate News: Real Estate Investing Podcast
The Real Estate News Brief: Inflation's 40-Year High, Single-Family Rental Demand, Montana Migration

Real Estate News: Real Estate Investing Podcast

Play Episode Listen Later Jun 16, 2022 6:49


In this Real Estate News Brief for the week ending June 11th, 2022... inflation hits a 40-year high, demand grows for single family rentals, and a popular TV show inspires a Montana migration. Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review. Economic NewsWe begin with economic news from this past week, and a report that shows the highest rate of inflation since 1981. The Consumer Price Index was up 1% in May to an annual rate of 8.6%. It was 8.3% last month. The increase is mostly due to rising gas and food prices. If you strip those out, the core rate was up .6% to an annual rate of 6%, which was actually down slightly from 6.2%. (1)The report is setting off alarm bells. Financial experts are now anticipating a 75 basis point rate hike at the next Fed meeting in June, and further hikes in July and September. The talk so far has been more along the lines of two 50 basis point hikes in June and July, but as one wealth advisor told CNBC, this report was a “doozy.” Tom Graff of Facet Wealth says: “The most concerning part of this report was its breadth. The monthly number wasn't driven by a few items. Most of the major categories actually accelerated price increases month-over-month.” (2)As inflation fears grow, so do worries about recession. Now the Atlanta Fed is lowering its forecast for the second quarter from 1.3% to a gain of just .9%. (3) It's interesting to note that real estate accounted for almost 17% of the GDP last year. The National Association of Realtors says it was 16.9% of the GDP or about $3.9 billion. That's about $113,000 in total economic impact for each home sale. (4) The Memorial Day weekend may have contributed to a jump in jobless claims. MarketWatch says they were up 27,000 to a five-month high of 229,000. It calls them seasonal “quirks” due to the holiday and not layoffs. (5) Mortgage RatesAfter idling for a few weeks, the mortgage rate seesaw continues. Freddie Mac says the average 30-year fixed-rate mortgage was 14 basis points higher last week to 5.23%. The 15-year was up 6 points to 4.38%. (6)The average contracted rate of interest was higher. The Mortgage Bankers Association says the 30-year went from 5.33% to 5.40%. That corresponded to a 7% drop in purchase applications. Refinance loans were also down 6%. The MBA says mortgage demand dropped to its lowest level in 22 years. (7)Freddie Mac's deputy chief economist Len Kiefer said in a tweet that the “U.S. housing market is at the beginning stages of the most significant contraction in activity since 2006.” He said: “It hasn't shown up in many data series yet, but mortgage applications are pointing to a large decline over the summer.” He also clarified that he expects home sales to slow down quite a bit over the summer, but doesn't expect them to “grind to a complete halt.” (8) In other news making headlines... Pessimism Among Would-Be Homebuyers A new survey supports the idea of slower sales this summer. Fannie Mae's Home Purchasing Sentiment Index shows that almost 80% of the participants feel it's a bad time to buy a home right now. Almost as many people feel that mortgage rates will continue to march higher over the next year. (9)Fannie Mae expects a mild recession next year, but the agency says that inflation and rapidly rising short term interest rates could push us into a recession much sooner.Demand for Single-Family Rentals Big landlords are responding to a demand for single-family rentals. The National Association of Home Builders says that builders broke ground on 13,000 single-family rentals in the first quarter. That's a 63% increase from the first quarter of last year. (10) American Homes 4 Rent CEO, David Singelyn, told CNBC: “There are not enough quality homes for the number of American families.” He says the quantity of inquiries, showings, and applications for new rental homes is “two to three times greater today than it was two years ago before the pandemic.” TV Shows Drives Newcomers to MontanaMontana is getting a lot of attention as a great place to live, thanks to Kevin Costner's TV show “Yellowstone.” The show features the Dutton family and ranch-style living on large stretches of land with sweeping views of mountains and prairies. (11) Beartooth investment Group founder, Robert Keith, says his company has received influx of inquiries from all sorts of wealthy families who want to buy a ranch. He says: “They are looking to own really amazing large properties” like you see in the TV show. The show debuted in 2018 and has already pumped tens of millions of dollars into the Montana economy, but long-time Montana residents are worried it's attracting too many new residents and driving up home prices. The median home price was $500,000 before the pandemic. It's now almost $750,000. That's it for today. Check the show notes for links. And please remember to hit the subscribe button, and leave a review! If you're worried about inflation, real estate is a good way to safeguard your money. Real estate values don't fluctuate as wildly as stocks, and your rental income will carry you through any sort of a downturn. You can find out more about single-family rental investing at newsforinvestors.com. Join for free, and get access to experienced investment counselors, property teams, lenders, and more. Thanks for listening. I'm Kathy Fettke.Links:1 -https://www.marketwatch.com/story/coming-up-consumer-price-index-for-may-11654862886?mod=home-page2 -https://www.marketwatch.com/story/catastrophically-bad-inflation-report-is-boosting-chances-of-a-75-basis-point-hike-in-june-or-july-11654876860?mod=MW_article_top_stories3 -https://www.cnbc.com/2022/06/07/fed-gdp-tracker-shows-the-economy-could-be-on-the-brink-of-a-recession.html4 -https://cdn.nar.realtor/sites/default/files/documents/2022-state-economic-impact-report-us-04-28-2022.pdf5 -https://www.marketwatch.com/story/u-s-unemployment-claims-jump-27-000-to-five-month-high-of-229-000-11654778599?mod=economic-report6 -https://www.freddiemac.com/pmms7 -https://www.cnbc.com/2022/06/08/mortgage-demand-falls-to-the-lowest-level-in-22-years.html?__source=realestate%7cnews%7c&par=realestate8 -https://www.realtor.com/news/trends/the-u-s-housing-market-is-at-the-beginning-stages-of-the-most-significant-contraction-in-activity-since-2006/9 -https://www.housingwire.com/articles/almost-80-believe-its-a-bad-time-to-buy-property/10 -https://www.cnbc.com/2022/06/10/big-landlords-jump-into-the-homebuilding-as-demand-for-single-family-rentals-surges.html?__source=realestate%7cnews%7c&par=realestate11 -https://magazine.realtor/daily-news/2022/06/08/hit-tv-show-yellowstone-prompts-more-moves-to-montana

Something On My Mind|Personal Finance, Budgeting, Investing
#114 How I-Bonds Can Hedge Against Infation and Make Guaranteed Money

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Jun 13, 2022 35:08


Thiw week we discuss I-bonds:Key TakeawaysSeries I bonds are inflation-beating savings bonds issued by the U.S. Government.You pay the face value of the bond and receive interest and an inflation adjustment.Savings bonds are not transferable, so they must be purchased from the U.S. Treasury or certain banks and payroll programs.In the roundtable we discuss an survey that says around 57% of Millennials love their pets more than their siblings and 50% of them admitted the same in comparison to their mothers. Ugh!

Flusterclux: Fix Anxiety With Lynn Lyons LICSW
Best of Summer Episodes: Summer Camp & Separation Anxiety

Flusterclux: Fix Anxiety With Lynn Lyons LICSW

Play Episode Listen Later Jun 10, 2022 44:48 Very Popular


Today we talk about the separation anxiety parents feel around summer camp, because it really is harder on us that it is on them. How can we best prepare our own kids leaving home for somewhere new? How we can manage our worry when our kids are out of our sight? Why is it so important to learn this skill as a parent? Here is the article we mention where Lynn was interviewed in Outside Magazine talking about summer camp and technology. JOIN US IN ORLANDO FOR OUR FIRST FAMILY RETREAT This is our first retreat where you can bring the kids, too, and we're hosting an incredible weekend at the Four Seasons Orlando September 30-October 2. In addition to two morning workshops with Lynn Lyons, you can expect an exclusive Disney party inside the theme parks, and the chance to relax at the country's best family pool. The Four Seasons offers a complimentary kids club for ages 4 through 12. We're half sold, so register today! Rooms start at $459. And there are only 3 private session with Lynn left! THE LATEST ANXIETY MANAGEMENT COURSE FOR PARENTS! MANAGING ANXIETY IN CHILDREN: A GUIDE FOR PARENTS This self-paced course covers the core tools a family needs to manage their anxiety, the same principles Lynn teaches to families in her private practice. This course includes 6 video modules from Lynn Lyons, LICSW, and 9 additional Q&A videos from Lynn and Robin of Flusterclux. What you'll get: Understand how anxiety works so that you can help manage your kids and your own. Learn what to say when anxiety shows up for you or your kids. For Kids: A special video that explains how anxiety works suitable for those ages 6 and up. VISIT OUR SPONSORS FOR SPECIAL OFFERS JUST FOR YOU Auto Approve is an online service that makes vehicle refinancing easier and faster. Auto Approve connects vehicle owners with a network of top credit unions, banks and finance companies to find the best available interest rates – then helps handle the paperwork, simplifying the vehicle refinance process from beginning to end, and putting more money back in your wallet. Refinance your auto loan through Auto Approve, and they'll send our listeners $100 autoapprove.com/adalyst. We've worked out a special deal with Hiya Health for their best selling children's vitamin. Receive 50% off your first order. To claim this deal you must go to hiyahealth.com/FLUSTER. Get your kids the full-body nourishment they need to grow into healthy adults. Better Help: Flusterclux listeners get 10% off their first month of online therapy at BetterHelp.com/lynn. Credit Karma uses your credit data to find loan offers that are personalized to you, so you can have a better idea of what loan amount you can get approved for. Credit Karma will even show you your chances of approval, so you can choose between loan offers that you're more likely to get approved for and apply with more confidence. Comparing loan offers on Credit Karma is 100% free, won't affect your credit scores and could save you money. Ready to apply? Head to creditkarma.com/loanoffers to see personalized offers. FOLLOW US Join the Facebook group to get news on the upcoming courses for parents, teens, and kids. Follow Flusterclux on Facebook and Instagram. Follow Lynn Lyons on Twitter and Youtube. New episodes arrive Friday at 5:00AM EST.

Jim Harold's Campfire
Many Hauntings - Campfire 556

Jim Harold's Campfire

Play Episode Listen Later Jun 9, 2022 86:59 Very Popular


There are many hauntings on this week's Campfire! TRANSCRIPT CLICK HERE for a full transcript -EARNEST- It's time to break out of the student debt cycle. Earnest can help you by refinancing your student loan. Right now, Earnest is offering our listeners a 100 dollar cash bonus. Refinance your student debt at Earnest.com/campfire. Not available in all states. -EVERLYWELL- (CAMPFIRE SPONSORSHIP) Everlywell at-home lab tests give you physician-reviewed results and personalized insights so you can take action on your health and wellness—all at an affordable and transparent cost. And for listeners of the show, Everlywell is offering a special discount of twenty percent off an at-home lab test at everlywell.com/campfire -FRAMEBRIDGE- Framebridge makes it super easy and affordable to frame your favorite things, from art prints and posters to the travel photos sitting on your phone. It's a great for Father's Day too! Get started today. Frame your photos or send someone the perfect gift. Go to Framebridge.com and use promo code CAMPFIRE to save an additional 15% off your first order.  

Something On My Mind|Personal Finance, Budgeting, Investing
PFT #84 - Personal Finance Tip of the Week: Eco-friendly Toilet Reduces Your Water Bill and Helps the Environment

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Jun 9, 2022 2:49


The Earth might seem like it has abundant water, but in fact less than 1 percent is available for human use and we are running out of it.So let's push down the handle on some Flush Facts: According to the EPA, the average American uses 300 gallons of water per day or about 80 gallons per person. In addition, roughly 70 percent of this use occurs indoors. So it goes without saying that there is always something that we can do. So let's talk about toilets.With that being said no one goes out and says that I am excited to shop for a toilet; however, over $10 Billion are sold in the U.S. each year.This means the odds you'll buy one sooner than later. So let's get to more numbers.The standard toilet in the past used 1.6 GFP or gallons per flush and with recent advancements, many have been reduced to 1.28 gallons per flush which is a reduction of 20%WIth my recent toilet purchase, it uses just .8 GPF while still providing equal or superior performance.So I am happy with my choice knowing that the average person flushes five times per day which means I am cutting the water usage in half. Not to mention that I have incorporated other water reducing tactics with other low flow appliances and fixtures from our PFT #40 and PFT #6 which covered why there is no need to rinse your dishes by letting your dishwasher handle the load.Therefore, I am significantly reducing my water bill as my past purchases will pay for themselves over time - the best part is that I am preserving our environment and you can too!Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast

Something On My Mind|Personal Finance, Budgeting, Investing
PFT #83 - Personal Finance Tip of the Week: Gas Gouging Myths and Lower Gas for Cash

Something On My Mind|Personal Finance, Budgeting, Investing

Play Episode Listen Later Jun 6, 2022 2:20


This week's personal finance tip is about the gas gouging myth and lower gas for cash. In times when inflation is rising, we experience higher prices for our goods and services as well as shortages.For example, In the grocery store, we've experienced products in limited supply from toilet paper to baby formula. When a desired product is available, it is emptied as soon as it was stocked. When it comes to gasoline, supply chain disruption was experienced in 1973 and 1979. This also occurs during natural disaster situations where shortages shoot up prices and then we hear about gauging. To make things clear, gauging does occur; however, there is a large misinformation notion that gas stations drive up their prices because they have us over a barrel. For the most part this is not true as our research on average tells us that most retailers make 15 cents per gallon after the consumer pumps it. To make things worse, most people pay via a credit card which has a merchant fee around 2.5%. Hence, when the price per gas is at just $4, the retailer pays 10 cents and in our example would profit just five. This is why we see a cash price listed on the signs that are lower than the credit price. Hence, if you have cash, this is another way to keep a few bucks in your pocket especially during long stretches. The bottom line is this is another way to save a few more dollars, yet the hidden point in this finance tip is when we understand how things work, we can accept things that we don't like. Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://www.tiktok.com/@somm.podcast?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast

REI Rookies Podcast (Real Estate Investing Rookies)

This episode we focus on the BRRRR method of real estate investing. So let's get into Buy, Rehab, Rent, Refinance, and Repeat. David Dodge is a St. Louis Real Estate Investor with over 18 years of experience. He first started investing in Real Estate when he was in college, at the age of 20 while attending the University of Missouri-Columbia. David specializes in Wholesaling Real Estate as well as using The BRRRR Method to acquire Rental Properties with NONE of his own money! He also LOVES teaching others how easy it is to learn how they too can wholesale Real Estate for huge profits & how they can use OPM to buy rental properties! David and his team have wholesaled over 750 houses to date and his company “House Sold Easy” averages about 5-10 wholesales a month. David also loves to fix-and-flip properties as well as add properties to his rental portfolio. David has over 90 rentals currently (over 20K in Cashflow) and he has a goal to take his rental portfolio to over 200 properties in the next 24 months. David is the Author of 3 books: “The Ultimate Guide to Wholesale Real Estate”, “The BRRRR Method” & “The 3 Pillars of Wholesaling Real Estate”. His podcast “Discount Property Investor” teaches people all about wholesaling real estate as well as tons of tips and tricks about marketing, land-lording, rehabbing, and utilizing The BRRRR Method. Connect with David Dodge! Website: https://wholesalinginc.com/Rentals (https://wholesalinginc.com/Rentals) LIKE • SHARE • JOIN • REVIEW http://reimastermind.net/ (Website) https://reimastermindnetwork.locals.com/ (Join the REI Mastermind Network on Locals!) https://podcasts.apple.com/us/podcast/rei-mastermind-network-real-estate-investing-strategies/id1227366661 (Apple Podcasts) https://podcasts.google.com/feed/aHR0cDovL3JlaXJvb2tpZXMubGlic3luLmNvbS9yc3M (Google Podcasts) https://www.youtube.com/channel/UC_6OpKSfSGvgGDG1qtBQw9Q (YouTube) https://open.spotify.com/show/4P66jm0Q4PMl7OoZzHMUUZ (Spotify) https://www.stitcher.com/show/rei-rookies (Stitcher) https://www.deezer.com/us/show/2148782 (Deezer) https://www.facebook.com/REIMastermindNet (Facebook) https://twitter.com/rei_mastermind (Twitter) https://www.instagram.com/reimastermindnet/ (Instagram) SUPPORT THE SHOW! Self Managing Your Rental Properties? https://app.rentredi.com/signUp/JCH191 (Get 6 months of RentRedi for $1! Click this link!) https://www.patreon.com/reimastermind (Get Exclusive Content on Patreon! • https://www.patreon.com/reimastermind) https://bit.ly/reiappsumo (Get $10 and Reduce Your Business Costs by Shopping at AppSumo • https://bit.ly/reiappsumo) https://drop.com/?referer=3DC729 (Get $10 Towards Your First Purchase at Drop • https://drop.com/?referer=3DC729) "You can invest 10,000 hours and become an expert or learn from those who have already made that investment." - Jack

Flusterclux: Fix Anxiety With Lynn Lyons LICSW
The 7 Essential Anxiety Disruptors For Families: #1 Expect To Worry

Flusterclux: Fix Anxiety With Lynn Lyons LICSW

Play Episode Listen Later Jun 3, 2022 27:24 Very Popular


Whether you're a loyal listener or new to the podcast, you'll want to join us for this seven-part series on Lynn Lyon's approach to anxiety. Each week during the summer, Lynn and Robin will talk about one of the puzzle pieces that creates an anxiety disrupting strategy for parents and kids. Together, they are the foundation for a family to shift their anxious patterns. Lynn will explain the steps in order, just as she does in her practice, so that families have the clarity, language and confidence to manage worry. This week we start with “Expect to Worry.”  JOIN US IN ORLANDO FOR OUR FIRST FAMILY RETREAT This is our first retreat where you can bring the kids, too, and we're hosting an incredible weekend at the Four Seasons Orlando September 30-October 2. In addition to two morning workshops with Lynn Lyons, you can expect an exclusive Disney party inside the theme parks, and the chance to relax at the country's best family pool. The Four Seasons offers a complimentary kids club for ages 4 through 12. We're half sold, so register today! And there are only 3 private session with Lynn left! THE LATEST ANXIETY MANAGEMENT COURSE FOR PARENTS! MANAGING ANXIETY IN CHILDREN: A GUIDE FOR PARENTS This self-paced course covers the core tools a family needs to manage their anxiety, the same principles Lynn teaches to families in her private practice. This course includes 6 video modules from Lynn Lyons, LICSW, and 9 additional Q&A videos from Lynn and Robin of Flusterclux. What you'll get: Understand how anxiety works so that you can help manage your kids and your own. Learn what to say when anxiety shows up for you or your kids. For Kids: A special video that explains how anxiety works suitable for those ages 6 and up. VISIT OUR SPONSORS FOR SPECIAL OFFERS JUST FOR YOU Auto Approve is an online service that makes vehicle refinancing easier and faster. Auto Approve connects vehicle owners with a network of top credit unions, banks and finance companies to find the best available interest rates – then helps handle the paperwork, simplifying the vehicle refinance process from beginning to end, and putting more money back in your wallet. Refinance your auto loan through Auto Approve, and they'll send our listeners $100 autoapprove.com/adalyst. We've worked out a special deal with Hiya Health for their best selling children's vitamin. Receive 50% off your first order. To claim this deal you must go to hiyahealth.com/FLUSTER. Get your kids the full-body nourishment they need to grow into healthy adults. Better Help: Flusterclux listeners get 10% off their first month of online therapy at BetterHelp.com/lynn. Credit Karma uses your credit data to find loan offers that are personalized to you, so you can have a better idea of what loan amount you can get approved for. Credit Karma will even show you your chances of approval, so you can choose between loan offers that you're more likely to get approved for and apply with more confidence. Comparing loan offers on Credit Karma is 100% free, won't affect your credit scores and could save you money. Ready to apply? Head to creditkarma.com/loanoffers to see personalized offers. FOLLOW US Join the Facebook group to get news on the upcoming courses for parents, teens, and kids. Follow Flusterclux on Facebook and Instagram. Follow Lynn Lyons on Twitter and Youtube. New episodes arrive Friday at 5:00AM EST.

BiggerPockets Real Estate Podcast
615: Seeing Greene: Lucrative Lot Splits & Lowering Your Liability as a Landlord

BiggerPockets Real Estate Podcast

Play Episode Listen Later May 29, 2022 40:52 Very Popular


Rental properties come in all shapes and sizes. You may be investing in short-term rentals, long-term rentals, glamping sites, or, maybe you're trying to help someone else buy a rental property. Regardless of where you choose to hang your hat on the real estate investing spectrum, David Greene probably has a golden nugget of advice for your next purchase, sale, or client. In this week's episode of Seeing Greene, David takes questions from investors, agents, wholesalers, and more to help answer some of the most common real estate inquiries. You'll hear topics such as: whether or not a special use permit will increase property value, when to sell and when to refi a rental property, whether or not each separate short-term rental needs its own LLC, and why David stopped looking for under-market properties and started looking at something else entirely. Want to ask David a question? If so, submit your question here so David can answer it on the next episode of Seeing Greene. Hop on the BiggerPockets forums and ask other investors their take, or follow David on Instagram to see when he's going live so you can hop on a live Q&A and get your question answered on the spot! In This Episode We CoverWhen to hold a property at a great interest rate and when to sell or refiWhat it means to “ethically wholesale” and getting deals while helping a sellerLot splitting and the implications it could have on your taxes, insurance, and equity How to succeed in a new market as a real estate agent and dropping “hooks” whenever you canWhen to put your property in an LLC and whether or not each rental requires its ownWhether or not landlords are making the housing market unaffordable for average homebuyersAnd So Much More!Links from the ShowBiggerPockets Youtube ChannelBiggerPockets ForumsBiggerPockets Pro MembershipBiggerPockets BookstoreBiggerPockets BootcampsBiggerPockets PodcastDavid's YouTube ChannelAsk David Your Real Estate Investing QuestionListen to All Your Favorite BiggerPockets Podcasts in One PlaceListen to Our “Ethical Wholesaling” Episode with Jamil DamjiBooks Mentioned in the Show:Buy, Rehab, Rent, Refinance, Repeat by David GreeneLong-Distance Real Estate Investing by David GreeneSold by David GreeneSkill by David GreeneConnect with David:David's InstagramDavid's BiggerPockets ProfileClick here to check the full show notes: https://www.biggerpockets.com/blog/real-estate-615See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Syndication Made Easy with Vinney (Smile) Chopra
The Top 3 Things You Need to Know If You're Going To Refinance

Syndication Made Easy with Vinney (Smile) Chopra

Play Episode Listen Later May 28, 2022 50:59


Welcome to Syndication Made Easy with Vinney Chopra! with Special Guest: Mark Krupenia and Barry Lefkowitz In this video, Vinney Chopra talking about loans, landing, and refinancing with our guests. Mark Krupenia is the senior vice president of raising capital. Also, Barry Lefkowitz is Managing Director at New Jersy Office.  We are going to learn about financial loans nationwide and also about how to do refinancing? Here are 3 things you will learn from experts before you are going to refinance. Love this video? Subscribe now and hit the like button for more useful thoughts. ------------------------------------------------ About Vinney (Smile) Chopra: Vinney is a real estate investor, syndicator, International best-selling author, host of 4 podcasts, multifamily educator, mentor, dedicated husband of over 40 years and father of 2 children-Neil and Monica, residing in Danville, California (near San Francisco) for 40+ years. Vinney came to this country with only $7 in his pocket and a dream. Vinney has now built a portfolio of over 6,500 units amounting to over $650 Million in the multifamily, senior assisted living and hospitality arenas. He is passionate about helping others achieve financial freedom and giving back to our seniors who have given us so much. Learn more about Vinney: https://vinneychopra.com/ Learn more about investing with Vinney: https://vinneychopra.com/investor/ Apply for Mentorship: https://vinneychopra.com/mentorship/ Vinney's Youtube: https://www.youtube.com/c/VinneyChopra/videos Vinney's Linkedin: https://www.linkedin.com/in/vinney-smile-chopra/ Vinney's Instagram: https://www.instagram.com/vinneychopra/ Vinney's Free Book: https://vinneychopra.com/freebook/ ------------------------------------------------

Jim Harold's Campfire
The Haunted Radio - Campfire 553

Jim Harold's Campfire

Play Episode Listen Later May 19, 2022 87:16 Very Popular


A haunted radio, a haunted dorm and a haunted B&B highlight this latest episode of Jim Harold's 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. -BEST FIENDS- Best Fiends is a mobile puzzle game to download and play. Whether you have a few minutes or a few hours, Best Fiends is the perfect puzzle game to lose yourself in because you're having so much fun! It is my fave! Download Best Fiends FREE today on the App Store or Google Play. That's friends, without the r—Best Fiends. -EARNEST- It's time to break out of the student debt cycle. Earnest can help you by refinancing your student loan.Right now, Earnest is offering our listeners a 100 dollar cash bonus. Refinance your student debt at Earnest.com/campfire. Not available in all states. JIM'S SPRING BOOK GIVEAWAY & NEWSLETTER Never miss anything going on at the Spooky Studio and qualify for Jim's Spring Book Giveaway (some restrictions apply), sign up for Jim's FREE newsletter HERE TRANSCRIPT CLICK HERE for a full transcript

The Viall Files
E419 Amber & Johnny: Body Language Expert & Therapist plus Natalie Joy!

The Viall Files

Play Episode Listen Later May 10, 2022 91:42 Very Popular


Welcome back to The Viall Files: Bachelor Gossip Edition! Today we are joined by Natalie Joy to help us dive deep and tackle the latest on the Amber Heard and Johnny Depp trial, bringing on psychologist, Dr. Kirk Honda, as well as body language expert, Janine Driver. After recapping the emotional testimonies, the inconsistencies in the narratives, and the allegations of using drugs in the courtroom and posing for photos, we bring in the experts to answer all of your burning questions. We first bring on Dr. Kirk to get his reactions to what's happening in this case, how two doctors could land on different diagnoses, and what people should do when stuck in traumatic situations without access to therapy. After that we bring on Janine Driver who is a body language expert with a focus. She dives into how being theatrical can be part of your baseline, how the structure of a story can tell if you're lying or not, and the massive amount of damage to your credibility that happens when you decide to fake cry. We then recap the information that we've learned and talk about why people want to side with Amber, and how people should believe women, regardless of how this specific case ends.  “Typically truthful people convey information, liars try to convince us.” Please make sure to subscribe so you don't miss an episode and as always send in your relationship questions to asknick@kastmedia.com to be a part of our Monday episodes.  Pre-Order Nick's Book: https://www.abramsbooks.com/product/dont-text-your-ex-happy-birthday_9781419755491/ Check out our new "Introvert" merch at http://www.viallfiles.com today! THANK YOU TO OUR SPONSORS: Rakuten: Start all your shopping trips at http://www.Rakuten.com or get the Rakuten app to start saving today. Earnest: Earnest is offering our listeners a $100 cash bonus. Refinance your student debt at http://www.Earnest.com/VIALL. Not available in all states. Episode Socials:  @viallfiles @nickviall @nnataliejjoy @psychologyinseattle @janinedriver @bodylanguageinstitute If you are experiencing domestic violence, call the National Domestic Violence Hotline at 1-800-799-7233, or go to thehotline.org. All calls are toll-free and confidential. The hotline is available 24/7 in more than 170 languages. See omnystudio.com/listener for privacy information.

Jim Harold's Campfire
A Visit From The Shadow People - Campfire 550

Jim Harold's Campfire

Play Episode Listen Later Apr 28, 2022 92:27 Very Popular


A caller is visited by MULTIPLE shadow people, a paranormal investigator provokes and gets more than he bargained for, and much more on this edition of Campfire. JIM'S SPRING BOOK GIVEAWAY & NEWSLETTER Never miss anything going on at the Spooky Studio and qualify for Jim's Spring Book Giveaway (some restrictions apply), sign up for Jim's FREE newsletter HERE Stamps.com takes the pain out of shipping by giving you access to deeply discounted shipping options and integrating with the most popular online shopping platforms to make labeling a breeze. There's NO risk. And with my promo code, campfire, you get a special offer that includes a 4-week trial PLUS free postage and a digital shipping scale. No long-term commitments or contracts. Just go to Stamps.com, click on the microphone at the TOP of the homepage, and type in campfire -CALM- We're so happy to partner with Calm. Calm is the app designed to help you ease stress and get the best sleep of your life. Calm is offering Campfire listeners a special limited time promotion of 40% off a Calm Premium subscription at CALM.COM/campfire -EARNEST- It's time to break out of the student debt cycle. Earnest can help you by refinancing your student loan.Right now, Earnest is offering our listeners a 100 dollar cash bonus. Refinance your student debt at Earnest.com/campfire. Not available in all states. TRANSCRIPT CLICK HERE for a full transcript. Note, it may take up to 72 hours after show post for the full human generated transcript.  

BiggerPockets Real Estate Podcast
598: How to "Invest on Repeat" with The BRRRR Strategy

BiggerPockets Real Estate Podcast

Play Episode Listen Later Apr 19, 2022 92:29 Very Popular


The BRRRR method can be taught by no one better than David Greene, author of Buy, Rehab, Rent, Refinance, Repeat, and adorably dubbed “Sir BRRRR” by co-host Rob Abasolo. While David may be a master of BRRRR budgets, schedules, and rehabs, Rob isn't as familiar with doing full-on buy, rehab, rent, refinance, and repeat rentals. To not only help out Rob but the BiggerPockets audience as a whole, David does a full walkthrough on his latest BRRRR.This hillside property situated in David's native San Francisco Bay Area has huge potential to become a cash-flowing, equity-increasing deal. David is turning this large home into multiple smaller units that will rent out to A-class tenants and should net him a six-figure equity boost simply by doing these cash-flow-first renovations.David walks through exactly how to find BRRRR properties, telltale signs of a good (or bad) BRRRR deal, how to use the BiggerPockets BRRRR calculator, funding options for your BRRRR (from David's broker!), writing up a contractor scope of work (SOW), and how to build cash flow when there isn't any to be found. You'll also hear how David had a surprise run-in with the cops when walking this property. Action, excitement, and lots of equity are all coming up in this episode!In This Episode We Cover:The first signs that a property may be a great BRRRR deal Using the BiggerPockets BRRRR calculator to evaluate deals and raise private capitalFinancing options you have when funding (and rehabbing) a BRRRRContractor bids and BRRRR budgets (even if you don't have rehab experience)Before photos and David's exact conversion plan to turn a single property into a cash-flowing multifamily The huge wealth-building benefits of getting creative when finding value-add real estateAnd So Much More!Links from the ShowBiggerPockets ForumsBiggerPockets Youtube ChannelBiggerPockets CalculatorsBiggerpockets.com Pro Upgrade Code: REPOD21BiggerPockets PodcastZillowRealtor.comBiggerPockets Conference and EventsRentometerThe 1 BrokerageBuilding Your “Passive Income Blueprint” Using the Right Real Estate Agent w/ Johnny HoangBooks Mentioned in the Show:Buy, Rehab, Rent, Refinance, Repeat by David Greene The Book on Estimating Rehab Costs by J ScottConnect with Rob:Rob's TikTok ProfileRob's InstagramRob's Youtube ChannelConnect with David:David's InstagramDavid's Tiktok ProfileDavid Greene TeamCheck the full show notes here: https://www.biggerpockets.com/blog/real-estate-598See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.