Podcasts about refinance

Quint and Logan talk about when to consider refinancing your mortgage. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Finish the year strong! In this episode, Art provides six smart money moves to wrap up 2025. Plus, he answers a listener's question about refinancing their house. Rates have dropped. Is now the time to take advantage of lower rates? Resources:8 Money MilestonesChristian Money HelpAsk a Money Question!

Jesse Montano and Meghan Angley kick off December by unpacking Colorado's impressive back-to-back from the Holiday weekend. PLUS! The two make the case for Scott Wedgewood at the Olympics #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com/Sports The Faster, Easier way to Refinance

French-Canadian real estate investor, designer, and developer Natalie Cloutier shares how she and her husband Rob went from broke 20-year-olds in a basement condo to building 50+ rental units and a multimillion-dollar portfolio using a no-money-down build-to-rent strategy. With a background in architectural technology and a focus on new construction, Natalie has turned sweat equity and creative financing into a full-time business, and recently distilled her approach into her book, “The Build-to-Rent Strategy: A Guide to a Successful Rental Property Construction.”​ On this episode we talk about: How Natalie and Rob built their first home and basement rental suite with essentially $0 down using sweat equity and construction financing The mechanics of build-to-rent/“BRRR 2.0”: Build, Rent, Refinance, Repeat—and how it differs from the traditional BRRR strategy What work they took on themselves vs. what they always hired out (electrical, drywall, finishes vs. structural, foundation, and plumbing) Why they prefer smaller infill projects like six-plexes instead of large, high-risk developments with heavy permitting costs How they manage leverage, cash flow targets per door, and why they're choosing to pause, de-stress, and reassess what “enough” looks like after a decade of grinding Top 3 Takeaways You do not always need 20% down to get into real estate—using construction-to-perm style loans, sweat equity, and smart design, you can create deals by building rather than competing for existing inventory. Staying intentionally underleveraged and focusing on real cash flow per unit is often safer than chasing maximum refinancing or unit count, especially in volatile interest-rate environments. Your portfolio should support your life, not the other way around; periodically pausing to evaluate stress, health, and family priorities is just as important as growing doors or equity. Notable Quotes "We didn't have money, so instead of buying someone else's house, we built our own and used our work as the down payment." "BRRR 2.0 is the same idea as BRRR, but instead of ‘Buy, Renovate, Rent, Refinance, Repeat,' it's ‘Build, Rent, Refinance, Repeat.'" "It's not about how many units you own; it's about how much money those properties actually make and whether the grind is worth it for your life." Connect with Natalie Cloutier: linktr.ee/thenewbuildcouple ✖️✖️✖️✖️

I have a 10 year ARM and I'm wondering if I should refinance or ride it out a bit longer and hope that rates continue to come down? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

In this episode of The D.O. Show, host Dustin Owen leverages his extensive 20+ years of experience in the mortgage and real estate industries to deliver a comprehensive and practical guide to real estate investing. Dustin breaks down essential investment strategies, including buy-and-hold, house flipping, wholesaling, and the powerful B.U.R.R. (Buy, Rehab, Rent, Refinance)*method, providing listeners with a clear understanding of how each approach works and when to use them for maximum return on investment.  

Simon welcomes back Timothy Witt and Phil Bygrave, the only guests to appear twice on the show. They discuss their newly released book, "Financial Freedom: The BDRR Property Evolution," which aims to guide property investors through the complexities of adding value to properties in today's market.  KEY TAKEAWAYS The book "Financial Freedom" is aimed at individuals who are looking to undertake significant renovation projects to add value to properties, particularly those who have a mindset geared towards property investment. The traditional BRRR (Buy, Refurbish, Rent, Refinance) strategy has evolved into the BDRR (Buy, Develop, Refurbish, Rent) approach, reflecting the increased complexity of property development due to stricter regulations and compliance requirements. A critical aspect of successful property investment is understanding and managing financing correctly. Many investors make mistakes in this area, which can hinder their ability to move forward with deals. Continuous education and having a coach are essential for success in property investment. They help investors recognise blind spots and provide guidance through the complexities of property development. BEST MOMENTS "It's really for people who are, their mindset isn't in the right place. We do talk a little bit on strategy and purpose, but really it's about the nuances of why what used to be a simple BRR strategy is now more complicated." "The number of times we talk to somebody and say, right, who's the most important person? And they say, oh, it's the builder. Well, the builder is the last person in the process." "If you're going to spend that money, you know, get the coach, get the education, read the book, get the systems and processes in place and spend that time up front." "When people are fearful, be greedy. Yes. And people are fearful. They are, definitely. So now is the time." VALUABLE RESOURCES To get your own copy of Tim and Phil's Financial Freedom book, Click here https://www.amazon.co.uk/dp/B0G2BLRBZK To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Send us a textIn this episode, Josh (@thelifestylecrna) and Colin (@colinfrompdr) break down the full story of their latest mobile home park refinance—a deal that increased their valuation, boosted equity, lowered monthly payments, and unlocked new capital for future growth.After a long process with inconsistent communication and shifting bank requirements, they finally closed—and the results were worth it.What You'll Learn in This Episode:How their two mobile home parks increased to a combined $1.65M valuationHow they generated $400K+ in equity through steady operations and rent adjustmentsWhy switching to a 30-year commercial amortization dropped payments by over $600/monthHow they completed a cash-out refinance of $120KThe strategic value of a $300K line of credit for infill and park improvementsHow seller financing and refinancing work together in long-term real-estate strategyWhy communication with lenders can make or break your timelinesHow refinances fit into a long-term plan for passive income and financial freedomWho This Episode Is For:Real estate investors, mobile home park investors, beginners interested in commercial lending, and anyone wanting a transparent, numbers-based look into scaling a real-estate portfolio.If you're researching:How to refinance investment propertyCash-out refinance strategyMobile home park investingCommercial real estate loans —this episode will be extremely helpful.Support the ShowLike, subscribe, and drop your questions below—your engagement helps others find the podcast. And yes, our parents are still our top listeners.Be sure to follow us on instagram here Subscribe to our YouTube channel here Click the link, share your contact details, and we'll help you get started on your investment journey. Start now!

279 - Empowering Real Estate Investors: The Rise of Business Excellence with Gary Harper   Unlock the power of the BRRRR method and learn how to build a scalable, system-driven business in this episode of the Real Estate Investor Growth Network Podcast with host Jen Josey, the Bestower of Badassery. Jen kicks things off by breaking down the BRRRR real estate investing strategy (Buy, Rehab, Rent, Refinance, Repeat) and how investors use it to build long-term wealth, increase cash flow, and grow a rental portfolio without constantly needing new capital. She's then joined by Gary Harper, CEO of Sharper Business Solutions, who is known for helping real estate investors and entrepreneurs transform their companies with proven business systems, processes, and culture. Gary shares: His journey from corporate to real estate and business consulting Key strategies from his bestselling book "The RISE Business Framework" How to overcome fear and mindset blocks that keep entrepreneurs stuck The most important KPIs (key performance indicators) every business owner should track Why company culture and leadership are critical to scaling sustainably How to use AI in business to improve efficiency, hiring, and decision-making Whether you're a real estate investor using BRRRR, a small business owner, or an entrepreneur looking to scale, this episode is packed with actionable business advice, mindset shifts, and practical frameworks you can implement right away. Hit play to learn how to: Structure your business like a real company, not just a hustle Build systems and processes that support growth Track the right numbers and performance indicators Use AI tools to streamline operations and hiring Create a winning culture that attracts and retains top talent Timestamps / Chapters 00:00 – Introduction to REIGN and host Jen Josey 01:01 – What is the BRRRR Method? (Buy, Rehab, Rent, Refinance, Repeat) 03:32 – Meet Gary Harper – CEO of Sharper Business Solutions 05:05 – Gary Harper's journey and early business lessons 06:20 – Overview of The RISE Business Framework 07:56 – Mindset, fear, and scaling your business 13:38 – Understanding business processes and KPIs 15:58 – Purpose vs profit: the indicators that really matter 19:30 – Gary's personal story and business philosophy 25:35 – Your first hire and using AI in business 26:41 – Behavioral traits and leadership for business success 27:30 – What is Sharper Business Solutions? 27:58 – The RISE Business Framework explained in detail 28:18 – Client success stories and implementation methodologies 33:32 – The role of AI and automation in modern business 36:09 – Why company culture is a competitive advantage 39:17 – Current trends and challenges for entrepreneurs 41:24 – How to connect with Sharper Business Solutions 43:11 – Gary Harper's personal insights and final advice 48:55 – Conclusion and final thoughts from Jen   Gary Harper is the CEO of Sharper Business Solutions and co-creator of the RISE Business Framework. With over 11 years of executive experience at a Fortune 500 company, Gary specialized in evaluating operational expenses and driving efficiencies. Since 2004, he has combined his expertise in business systems with his passion for real estate investing, helping entrepreneurs scale their businesses effectively. In 2013, Gary faced a life-changing battle with Lyme disease, a diagnosis that inspired him to dedicate his life to making a difference. He now travels the country, empowering businesses to establish clear vision, systems, and processes that enable growth while promoting a fulfilling work-life balance. Known as a "difference maker," Gary offers practical solutions to complex challenges, equipping teams with actionable tools for success. His common-sense approach and dedication to helping others have left a lasting impact on businesses nationwide.   https://sharperbusiness.com/ https://www.instagram.com/official_garyharper/ https://www.facebook.com/gary.harperii https://www.linkedin.com/in/gary-harper-37148967/ eBook: https://a.co/d/6KhGdwK To learn more about Jen Josey, visit https://www.therealjenjosey.com/ To join REIGN, visit https://www.reignmastermind.com/ Stuff Jen Josey Loves: https://www.reignmastermind.com/resources Buy Jen Josey's Book: From Beginner to Badass: https://a.co/d/bstKlby Interested in growing your rental portfolio with Jen as your coach? Check out Rental Property Pro: https://rentalproppro.com/booking?am_id=reign  

Gobble Gobble! Jesse Montano and Meghan Angley, noted woman of faith,  kick off Thanksgiving week by unpacking a perfect weekend for the Avs as they won both games of their back to back set by ay of shutout. Plus, Jesse and Meghan unveil the season's first Pyramid Rankings! Jesse Montano and Meghan Angley kick off the week by unpacking Colorado's 4-1 win over the New York Islanders, and how contributions from guys like Sam Malinski and Josh Manson have elevated the Avalanche backend into the league's elite. #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com/Sports The Faster, Easier way to Refinance

RANGER ​​Refinance the house Refinance the boat Refinance the— Doing the most Refinance the cat Refinance the dog Finance the—? Fuck it. Refinance the Ranger (I'm doing the most) How dare you? Bitch I said that shit just to scare you Bitch you a demon! I ate the peas out the can And I hope that you see this What in the fuck do you mean I see and hear things I sea and here that, I failed the test now But passed the bar Wow You're funny Refinance the payment to fuck me Over You don't even know her So the glove don't fit? You still killed that bitch, OJ! Okay That a big ball player I'm a big black finger up your ass; What's cracking? Doing the work of the crackers I screenshot and capture Refinance the black list You act on behalf of the TRAP Refinance the TAP Refinance the cap and gown Cause I'm already drowning Refinance the black and brown Cause you know that I'm proud But I'm sitting her pouting (Wut) Refinance the land Refinance the Indian reservation where my dad at Refinance the car Refinance the boat Ok, Fuckit Refinance the Ranger Refinance the house Refinance the boat Refinance the— Doing the most Refinance the cat Refinance the dog Finance the—? Fuck it. Refinance the Ranger (I'm doing the most) Refinance the Ranger Refinance the house Refinance the boat Refinance the— Doing the most Refinance the cat Refinance the dog Finance the—? Fuck it. Refinance the Ranger Fresh from the land of a thousand suns And I stil don't know which stone to land on No random environment; I underwent the whole attorney And still met with resistance I just asked an an amphetamine as if it was A supplement to my existence In fact, it is, An edifice or m addition to my nutrition deficit And I says, For whatever's lost but goes on, Fight for rich or poorer while the poorer suffer longer No longer argue my agreements, Distance to whatever's after There I rest upon the sober throne, And throwing watermelon seeds into the ground as as stones, For may as well without the water And also sure to rot, Or waste as rats, Computer paper, There again Recycling bins of compost Just for show, but not for shredded paper No, no longer or wonder my nonsense, In fact, I, raging there had kept no more a suffer than a secret to be sure of here— And sure of her I was and sheer and gathered Torment your emotions, Also just to want but not to have As those that matter. So I've called in all the white clothes Now we represent with denim. And I'm stuck inside your television Stuck inside your television Don't you know you've shown you're weakness in the purest of hatred, Separating yourselfs as the basis for this Depreciation? Wonder, again I wonder And still no sad trombones, Only stories, and somber surfers And solemn whores and silent wars with words And sundries From the land of one thousand suns And a thousand sons you've lost A thousand wars, A thousand girls who want you Gathered over rails and velvet theatre ropes for it Rare. But slightly often scored, Parched, And barely long forgotten, Tipping, And waiting only This bitch comes on the train and smells like soup. Don't look at me as if I'm the one to have done something, I've no cardboard box but rather lift my chin at Whole Foods market over bags or water. You know it? I also do that for the dozen, No trend follows, or feathered gathered, Hollow winds and tunnels Tunnels sent and shadows I hadn't been pin pricked I never been picked out Blow the candles for which wish? I've be ever been bound to love Or celebrated by another besides my mother But here's so sensory deprivation, Overstimulation lol I love getting on the train and just happening to see a dude who is not listening to his dumb fucking girlfriend But she won't shut the fuck up He's just standing there like “Clearly I'm getting sex out of this” And she won't stop talking. I love that. I'm like “bitch, shut up.” He's like “Help me.” I'm like Not my problem, broskies, You better look interested instead of over here. Anyway, another year's gone by and no one's here for me. Anyway, another son was born without my honor. Anyway, I want to lap it up like all the water on the floor Before I realized it was gold, And I was slaughtered No use crying over spilled galaxies, Still you're trapped in I, And I'm found to want more than I decided If I'm divided and clustered up And yet I'm divine then, I should gather all I've had Combine it into one —and yet Another columbine has come As if they're all occurrences, Just set to Apple Watches And broadcast t'all the provences. In a cinch I've just realized I've the trench coat to match your jacket But no longer the converse all stars And you've seen to washed yours off from my angle Simple single triangle and spheres for fears of masturbating, Crash the grate at all the hours, Never really gravitating for anything important, Only alt-right Can't afford that All your penlaltied for real to mean political rallies or ambitions act as barriers to those that actually ally. Who am I? That's right? I can't belay in body! Oh, I can't to grip the shadows Boxing with the cat for your night V.O We were friends with the humans— Most of our job is finding out what happened with them. Future people Vintage potluck All out time And all our hard work All our bad luck All our warns Fell on her shores as lodes for her Oh, How his legs fall so calmly one over the other Or, How his songs flow not as words, but heart strings Our melodies will walk in chords for all time For now if ta zzz A as te r ( I love when i get off the train and that happens) What a brilliant blue, Yea, in fact, its cerulean Yes, in fact, if you can Facts to rule them all, so If you fax, try to call, here goes all your worry Here's your love; None For the facts you were sure to walk about, now you're our, gone From the top Don't ever forget you're on watch I've got a whole heart full of freedom Just don't look up from your phone e They brought you jo now pull you don't a bit You're a clown, it seems But no activists They heil Hitler in central Bedford No articles of new clothing l, huh? They love to watch all your digging They call it hyper vigilance because racism in New York can be so violent That its strength lies not only in money and power but nearly balanced numbers Which justifies hurtful and aggressive actions as adaptations to the changing world They see themselves as the controllers Still slave master but in such a context That they mask the hatred that lies under the surface as social issues of another kind it seems to hurt in another way you can't always tell the doctor. Copyright © The Complex Collective 2025 The Festival Project, Inc. ™ All rights reserved. Chroma111. Copyright © The Complex Collective 2025. [The Festival Project, Inc. ™] All rights reserved. UNAUTHORIZED REPRODUCTION OR DISTRIBUTION IS STRICTLY PROHIBITED BY LAW. INFRIGMENT IS PUNSHABLE BY FEDERAL LAW LEGAL NOTICE / ARTIST STATEMENT Project: The Festival Project ™ (Season 12) Genre: Speculative Auto-Ethnography / Social Surrealism Disclaimer: This document is a work of creative non-fiction and political satire. While inspired by the author's lived experiences with systemic oppression, housing displacement, and surveillance, the narrative employs stylized fragmentation, stream-of-consciousness, and metaphor to dramatize the psychological impact of these events. The "characters" and "dialogue" herein are artistic devices used to critique historical and modern power structures. This text should be viewed as a performative artistic expression protected under the First Amendment, and not as a literal transcript of clinical psychosis or a formal sworn affidavit. This is a character study of 'Chroma111,' the collective artworks of a musician living in a dystopian surveillance state. The erratic language is a stylistic choice to represent the character's psychological deterioration under systemic oppression. All characters appearing in this work are fictitious. Any resemblance to real persons, living or dead, is purely coincidental.

RANGER ​​Refinance the house Refinance the boat Refinance the— Doing the most Refinance the cat Refinance the dog Finance the—? Fuck it. Refinance the Ranger (I'm doing the most) How dare you? Bitch I said that shit just to scare you Bitch you a demon! I ate the peas out the can And I hope that you see this What in the fuck do you mean I see and hear things I sea and here that, I failed the test now But passed the bar Wow You're funny Refinance the payment to fuck me Over You don't even know her So the glove don't fit? You still killed that bitch, OJ! Okay That a big ball player I'm a big black finger up your ass; What's cracking? Doing the work of the crackers I screenshot and capture Refinance the black list You act on behalf of the TRAP Refinance the TAP Refinance the cap and gown Cause I'm already drowning Refinance the black and brown Cause you know that I'm proud But I'm sitting her pouting (Wut) Refinance the land Refinance the Indian reservation where my dad at Refinance the car Refinance the boat Ok, Fuckit Refinance the Ranger Refinance the house Refinance the boat Refinance the— Doing the most Refinance the cat Refinance the dog Finance the—? Fuck it. Refinance the Ranger (I'm doing the most) Refinance the Ranger Refinance the house Refinance the boat Refinance the— Doing the most Refinance the cat Refinance the dog Finance the—? Fuck it. Refinance the Ranger Fresh from the land of a thousand suns And I stil don't know which stone to land on No random environment; I underwent the whole attorney And still met with resistance I just asked an an amphetamine as if it was A supplement to my existence In fact, it is, An edifice or m addition to my nutrition deficit And I says, For whatever's lost but goes on, Fight for rich or poorer while the poorer suffer longer No longer argue my agreements, Distance to whatever's after There I rest upon the sober throne, And throwing watermelon seeds into the ground as as stones, For may as well without the water And also sure to rot, Or waste as rats, Computer paper, There again Recycling bins of compost Just for show, but not for shredded paper No, no longer or wonder my nonsense, In fact, I, raging there had kept no more a suffer than a secret to be sure of here— And sure of her I was and sheer and gathered Torment your emotions, Also just to want but not to have As those that matter. So I've called in all the white clothes Now we represent with denim. And I'm stuck inside your television Stuck inside your television Don't you know you've shown you're weakness in the purest of hatred, Separating yourselfs as the basis for this Depreciation? Wonder, again I wonder And still no sad trombones, Only stories, and somber surfers And solemn whores and silent wars with words And sundries From the land of one thousand suns And a thousand sons you've lost A thousand wars, A thousand girls who want you Gathered over rails and velvet theatre ropes for it Rare. But slightly often scored, Parched, And barely long forgotten, Tipping, And waiting only This bitch comes on the train and smells like soup. Don't look at me as if I'm the one to have done something, I've no cardboard box but rather lift my chin at Whole Foods market over bags or water. You know it? I also do that for the dozen, No trend follows, or feathered gathered, Hollow winds and tunnels Tunnels sent and shadows I hadn't been pin pricked I never been picked out Blow the candles for which wish? I've be ever been bound to love Or celebrated by another besides my mother But here's so sensory deprivation, Overstimulation lol I love getting on the train and just happening to see a dude who is not listening to his dumb fucking girlfriend But she won't shut the fuck up He's just standing there like “Clearly I'm getting sex out of this” And she won't stop talking. I love that. I'm like “bitch, shut up.” He's like “Help me.” I'm like Not my problem, broskies, You better look interested instead of over here. Anyway, another year's gone by and no one's here for me. Anyway, another son was born without my honor. Anyway, I want to lap it up like all the water on the floor Before I realized it was gold, And I was slaughtered No use crying over spilled galaxies, Still you're trapped in I, And I'm found to want more than I decided If I'm divided and clustered up And yet I'm divine then, I should gather all I've had Combine it into one —and yet Another columbine has come As if they're all occurrences, Just set to Apple Watches And broadcast t'all the provences. In a cinch I've just realized I've the trench coat to match your jacket But no longer the converse all stars And you've seen to washed yours off from my angle Simple single triangle and spheres for fears of masturbating, Crash the grate at all the hours, Never really gravitating for anything important, Only alt-right Can't afford that All your penlaltied for real to mean political rallies or ambitions act as barriers to those that actually ally. Who am I? That's right? I can't belay in body! Oh, I can't to grip the shadows Boxing with the cat for your night V.O We were friends with the humans— Most of our job is finding out what happened with them. Future people Vintage potluck All out time And all our hard work All our bad luck All our warns Fell on her shores as lodes for her Oh, How his legs fall so calmly one over the other Or, How his songs flow not as words, but heart strings Our melodies will walk in chords for all time For now if ta zzz A as te r ( I love when i get off the train and that happens) What a brilliant blue, Yea, in fact, its cerulean Yes, in fact, if you can Facts to rule them all, so If you fax, try to call, here goes all your worry Here's your love; None For the facts you were sure to walk about, now you're our, gone From the top Don't ever forget you're on watch I've got a whole heart full of freedom Just don't look up from your phone e They brought you jo now pull you don't a bit You're a clown, it seems But no activists They heil Hitler in central Bedford No articles of new clothing l, huh? They love to watch all your digging They call it hyper vigilance because racism in New York can be so violent That its strength lies not only in money and power but nearly balanced numbers Which justifies hurtful and aggressive actions as adaptations to the changing world They see themselves as the controllers Still slave master but in such a context That they mask the hatred that lies under the surface as social issues of another kind it seems to hurt in another way you can't always tell the doctor. Copyright © The Complex Collective 2025 The Festival Project, Inc. ™ All rights reserved. Chroma111. Copyright © The Complex Collective 2025. [The Festival Project, Inc. ™] All rights reserved. UNAUTHORIZED REPRODUCTION OR DISTRIBUTION IS STRICTLY PROHIBITED BY LAW. INFRIGMENT IS PUNSHABLE BY FEDERAL LAW LEGAL NOTICE / ARTIST STATEMENT Project: The Festival Project ™ (Season 12) Genre: Speculative Auto-Ethnography / Social Surrealism Disclaimer: This document is a work of creative non-fiction and political satire. While inspired by the author's lived experiences with systemic oppression, housing displacement, and surveillance, the narrative employs stylized fragmentation, stream-of-consciousness, and metaphor to dramatize the psychological impact of these events. The "characters" and "dialogue" herein are artistic devices used to critique historical and modern power structures. This text should be viewed as a performative artistic expression protected under the First Amendment, and not as a literal transcript of clinical psychosis or a formal sworn affidavit. This is a character study of 'Chroma111,' the collective artworks of a musician living in a dystopian surveillance state. The erratic language is a stylistic choice to represent the character's psychological deterioration under systemic oppression. All characters appearing in this work are fictitious. Any resemblance to real persons, living or dead, is purely coincidental.

RANGER ​​Refinance the house Refinance the boat Refinance the— Doing the most Refinance the cat Refinance the dog Finance the—? Fuck it. Refinance the Ranger (I'm doing the most) How dare you? Bitch I said that shit just to scare you Bitch you a demon! I ate the peas out the can And I hope that you see this What in the fuck do you mean I see and hear things I sea and here that, I failed the test now But passed the bar Wow You're funny Refinance the payment to fuck me Over You don't even know her So the glove don't fit? You still killed that bitch, OJ! Okay That a big ball player I'm a big black finger up your ass; What's cracking? Doing the work of the crackers I screenshot and capture Refinance the black list You act on behalf of the TRAP Refinance the TAP Refinance the cap and gown Cause I'm already drowning Refinance the black and brown Cause you know that I'm proud But I'm sitting her pouting (Wut) Refinance the land Refinance the Indian reservation where my dad at Refinance the car Refinance the boat Ok, Fuckit Refinance the Ranger Refinance the house Refinance the boat Refinance the— Doing the most Refinance the cat Refinance the dog Finance the—? Fuck it. Refinance the Ranger (I'm doing the most) Refinance the Ranger Refinance the house Refinance the boat Refinance the— Doing the most Refinance the cat Refinance the dog Finance the—? Fuck it. Refinance the Ranger Fresh from the land of a thousand suns And I stil don't know which stone to land on No random environment; I underwent the whole attorney And still met with resistance I just asked an an amphetamine as if it was A supplement to my existence In fact, it is, An edifice or m addition to my nutrition deficit And I says, For whatever's lost but goes on, Fight for rich or poorer while the poorer suffer longer No longer argue my agreements, Distance to whatever's after There I rest upon the sober throne, And throwing watermelon seeds into the ground as as stones, For may as well without the water And also sure to rot, Or waste as rats, Computer paper, There again Recycling bins of compost Just for show, but not for shredded paper No, no longer or wonder my nonsense, In fact, I, raging there had kept no more a suffer than a secret to be sure of here— And sure of her I was and sheer and gathered Torment your emotions, Also just to want but not to have As those that matter. So I've called in all the white clothes Now we represent with denim. And I'm stuck inside your television Stuck inside your television Don't you know you've shown you're weakness in the purest of hatred, Separating yourselfs as the basis for this Depreciation? Wonder, again I wonder And still no sad trombones, Only stories, and somber surfers And solemn whores and silent wars with words And sundries From the land of one thousand suns And a thousand sons you've lost A thousand wars, A thousand girls who want you Gathered over rails and velvet theatre ropes for it Rare. But slightly often scored, Parched, And barely long forgotten, Tipping, And waiting only This bitch comes on the train and smells like soup. Don't look at me as if I'm the one to have done something, I've no cardboard box but rather lift my chin at Whole Foods market over bags or water. You know it? I also do that for the dozen, No trend follows, or feathered gathered, Hollow winds and tunnels Tunnels sent and shadows I hadn't been pin pricked I never been picked out Blow the candles for which wish? I've be ever been bound to love Or celebrated by another besides my mother But here's so sensory deprivation, Overstimulation lol I love getting on the train and just happening to see a dude who is not listening to his dumb fucking girlfriend But she won't shut the fuck up He's just standing there like “Clearly I'm getting sex out of this” And she won't stop talking. I love that. I'm like “bitch, shut up.” He's like “Help me.” I'm like Not my problem, broskies, You better look interested instead of over here. Anyway, another year's gone by and no one's here for me. Anyway, another son was born without my honor. Anyway, I want to lap it up like all the water on the floor Before I realized it was gold, And I was slaughtered No use crying over spilled galaxies, Still you're trapped in I, And I'm found to want more than I decided If I'm divided and clustered up And yet I'm divine then, I should gather all I've had Combine it into one —and yet Another columbine has come As if they're all occurrences, Just set to Apple Watches And broadcast t'all the provences. In a cinch I've just realized I've the trench coat to match your jacket But no longer the converse all stars And you've seen to washed yours off from my angle Simple single triangle and spheres for fears of masturbating, Crash the grate at all the hours, Never really gravitating for anything important, Only alt-right Can't afford that All your penlaltied for real to mean political rallies or ambitions act as barriers to those that actually ally. Who am I? That's right? I can't belay in body! Oh, I can't to grip the shadows Boxing with the cat for your night V.O We were friends with the humans— Most of our job is finding out what happened with them. Future people Vintage potluck All out time And all our hard work All our bad luck All our warns Fell on her shores as lodes for her Oh, How his legs fall so calmly one over the other Or, How his songs flow not as words, but heart strings Our melodies will walk in chords for all time For now if ta zzz A as te r ( I love when i get off the train and that happens) What a brilliant blue, Yea, in fact, its cerulean Yes, in fact, if you can Facts to rule them all, so If you fax, try to call, here goes all your worry Here's your love; None For the facts you were sure to walk about, now you're our, gone From the top Don't ever forget you're on watch I've got a whole heart full of freedom Just don't look up from your phone e They brought you jo now pull you don't a bit You're a clown, it seems But no activists They heil Hitler in central Bedford No articles of new clothing l, huh? They love to watch all your digging They call it hyper vigilance because racism in New York can be so violent That its strength lies not only in money and power but nearly balanced numbers Which justifies hurtful and aggressive actions as adaptations to the changing world They see themselves as the controllers Still slave master but in such a context That they mask the hatred that lies under the surface as social issues of another kind it seems to hurt in another way you can't always tell the doctor. Copyright © The Complex Collective 2025 The Festival Project, Inc. ™ All rights reserved. Chroma111. Copyright © The Complex Collective 2025. [The Festival Project, Inc. ™] All rights reserved. UNAUTHORIZED REPRODUCTION OR DISTRIBUTION IS STRICTLY PROHIBITED BY LAW. INFRIGMENT IS PUNSHABLE BY FEDERAL LAW LEGAL NOTICE / ARTIST STATEMENT Project: The Festival Project ™ (Season 12) Genre: Speculative Auto-Ethnography / Social Surrealism Disclaimer: This document is a work of creative non-fiction and political satire. While inspired by the author's lived experiences with systemic oppression, housing displacement, and surveillance, the narrative employs stylized fragmentation, stream-of-consciousness, and metaphor to dramatize the psychological impact of these events. The "characters" and "dialogue" herein are artistic devices used to critique historical and modern power structures. This text should be viewed as a performative artistic expression protected under the First Amendment, and not as a literal transcript of clinical psychosis or a formal sworn affidavit. This is a character study of 'Chroma111,' the collective artworks of a musician living in a dystopian surveillance state. The erratic language is a stylistic choice to represent the character's psychological deterioration under systemic oppression. All characters appearing in this work are fictitious. Any resemblance to real persons, living or dead, is purely coincidental.

Links & ResourcesFollow us on social media for updates: ⁠⁠Instagram⁠⁠ | ⁠⁠YouTube⁠⁠Check out our recommended tool: ⁠⁠Prop Stream⁠⁠Thank you for listening!

Jesse Montano and Meghan Angley round out your week by unpacking Colorado Avalanche's 20th game of the season as they knocked off the New York Rangers 6-3 to add their names to an elite short-list of early season success #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com/Sports The Faster, Easier way to Refinance

This week Tim and Dan are joined by their partner in mortgages Nick Ware from Mortgage Choice Wyong to discuss the reasons you might want to consider refinancing that isn't just a lower interest rate. Dan also reveals part 1 of his revenge on rat gate.    Sponsor Offers:  Here Nick Ware: nicholas.ware@mortgagechoice.com.au Youtube: https://www.youtube.com/@TwoDrunkAccountants Instagram: https://www.instagram.com/twodrunkaccountants/ Website: https://twodrunkaccountants.com.au Email: twodrunkpodcast@gmail.com

Kia ora,Welcome to Thursday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.And today we lead with markets are even more skittish today, with key activity moving into bond markets even at higher yields.First, American mortgage applications fell back last week and by their most since late September. Fears about rising interest rates are getting the blame as it sinks in that highish inflation isn't going away. Refinance activity was the hardest hit. Still, it and purchase application levels remain well above year-ago levels.There was also official data released overnight, old catchup data for the US trade balance for both goods and services. That came in at the expected -US$50 bln deficit for August, exports flat, imports also flat. That was slightly better than August 2024 but almost identical to August 2023.And there will be no October jobs report from the US. It has been cancelled, officially because they "couldn't collect some data", but more likely because it would have delivered news the White House didn't want.Meanwhile reports circulate that the US is not only rolling back tariff-taxes on food imports, it is also close to rolling them back on steel and aluminium, maybe like the food rollback, somewhat selectively.The latest US Treasury 20 year bond auction raised US$17.8 bln at a median yield of 4.65%, up from 4.46% at the prior equivalent auction a month ago.The US Fed minutes of their last meeting on October 30 are due to be released at 8AM NZT. There is intense interest in these, more so because Trump as one acolyte in on the meetings pushing for [dangerous] rate cuts. If there is important stuff that emerges, we will update this item here.In Japan, September machinery orders rose a better-than-expected +11.6% from the same month a year earlier, up an impressive +4.2% from August. (This result is not twisted by large, volatile items like for ships or major infrastructure machinery such as electric power plants. That would have pushed the rise even higher.) Export orders were particularly notable.And Japan's 10-year government bond yield rose above 1.77% on Wednesday, a 17-year high. A year ago it was at 1.06%. The recent climb comes ahead of a crucial ¥800 bln debt auction (US$5.1 bln) that could indicate investor appetite signals. That is important because the new Takaichi government plans major debt-financed stimulus which is raising fiscal concerns.Meanwhile, China has raised US$8.6 bln in USD and EUR bonds. While that is a lot for them, it pales compared to the US$234 bln that was bidIn Malaysia, they are still an export powerhouse with October exports up +15.7% from a year ago and to a record high, imports up +11.2%, also a record high, resulting in a larger positive trade balance than expected. In fact, they haven't run a trade deficit in any month since the pandemic.As expected, the Indonesian central bank left its policy rate unchanged yesterday at 4.75%.In Australia, payroll costs rose pretty much as expected in the September quarter. They were up +3.4% year-on-year in Q3 2025, unchanged from the previous quarter. Public sector wages increased +3.8%, slightly above the +3.7% rise in Q2, while private sector wages grew by +3.2%, easing from +3.4% previously. (Overall, total wages and salaries for all employees rose +5.3% for the year to September, boosted by an expanding workforce.)The UST 10yr yield is now at 4.11%, down -3 bps from this time yesterday.The price of gold will start today at US$4071/oz, and up +US$10 from this time yesterday.American oil prices have softened -50 USc from yesterday to be just under US$59.50/bbl, with the international Brent price down to under US$63.50/bbl.The Kiwi dollar is now at just on 56 USc, and down -60 bps from yesterday. Against the Aussie we are down -30 bps at 86.7 AUc. Against the euro we are down -40 bps at 48.5 euro cents. That all means our TWI-5 starts today at just over 60.7, and down -50 bps from yesterday, to its lowest since July 2009.And we probably should note that the NZD has now fallen below 4 Chinese renminbi for the first time in three years.The bitcoin price starts today at US$89,524 and down a sharp -4.2% from yesterday and well lower than year-ago levels. In fact, it is falling as we publish. Volatility over the past 24 hours has been moderate at just on +/- 2.4%.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston. And we will do this again tomorrow.

Jesse Montano and Meghan Angley kick off the week by unpacking Colorado's 4-1 win over the New York Islanders, and how contributions from guys like Sam Malinski and Josh Manson have elevated the Avalanche backend into the league's elite. #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com/Sports The Faster, Easier way to Refinance

Send us a textA veteran property investor shares the proven “B.R.R.R.” formula (Buy, Rehab, Refinance, Repeat) and the U.S. cities still offering homes under $100K.Hear how disciplined buying and long-term thinking can compound wealth faster than chasing the next trend.https://familyoffices.com/

Home Loans Radio 11.15.2025 With That Mortgage guy Don- 50 year Mortgage are not a good idea- Don explains why.www.thatmortgageguydon.com

Luca Celebre of BarDown and TSN joins Jesse Montano and Meghan Angley to break down the Avalanche's scorching five-game win streak and what it says about Colorado's early-season identity. We dive into the Avs routing multiple red-hot teams, Nathan MacKinnon leading the NHL with 33 points, and Martin Necas's top-10 offensive surge. With Colorado sitting four points clear atop the league and still undefeated by more than a one-goal margin, we take a closer look at Scott Wedgewood's impact and his league-leading win total. Plus: Bardakov's limited usage, why Gavin Brindley looks like an instant fit next to Colton and Nelson, and the big question on everyone's mind — did Gabriel Landeskog score or was that goaltender interference in Buffalo? A full-table look at the league's hottest team with Luca's insights and plenty of Avs-specific breakdowns. #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com/Sports The Faster, Easier way to Refinance

The Colorado Avalanche signed Scott Wedgewood to a One-Year Extension, Jesse Montano and Meghan Angley give their thoughts on the Avs getting their backup goalie locked up #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com/Sports The Faster, Easier way to Refinance

Snag Our Simplified Budget System!Today, we're bringing you real stories and lessons straight from our private coaching sessions — because if our clients are dealing with it, chances are you are too. From credit card points to refinancing decisions, we're breaking down what's really happening behind the numbers so you can avoid the same mistakes, feel less alone, and walk away with some quick wins for your budget.You'll hear about a client who thought credit card points were the key to “winning” with money (spoiler: they weren't), how another family is tackling a 7% mortgage the smart way, and why simple awareness can transform everything about how you spend, save, and plan.This episode is full of aha moments, real talk, and encouragement for anyone ready to move from surviving to thriving.

Jesse Montano and Meghan Angley are LIVE after Colorado's second game of a two-game road trip out in Western Canada to take on the Canucks for the first time this season #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance

The future of hockey is now. Meghan Angley and Jesse Montano dive into the league's youth takeover with names like Leo Carlsson, Connor Bedard, and Macklin Celebrini already chasing Nathan MacKinnon atop the scoring charts. Closer to home, the Avs' penalty kill is thriving at a top-three clip, and Meghan shares part of her conversation with Brock Nelson on what makes elite PK units click. Plus, we check in on Colorado's prospects Sean Behrens and Alex Gagne after a strong Eagles weekend, and preview the PWHL's upcoming Denver tour stop at Ball Arena.   Jesse Montano and Meghan Angley are LIVE after Colorado's second game of a two-game road trip out in Western Canada to take on the Canucks for the first time this season #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance

Home Loans Radio 11.08.2025 With That Mortgage Guy Don- Rates are Lower, It is surely time to consider a refinance.www.thatmortgageguydon.com

Jesse Montano and Meghan Angley finish up the week by previewing Colorado's upcoming back to back, and dive deep into what has given Colorado early-season success #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com/sports The Faster, Easier way to Refinance

The Colorado Avalanche lead the NHL with an 8-1-5 record and 21 points, and The Denver Post's Corey Masisak joins Meghan Angley to break down everything driving their early success. Together they dig into “Brocktober,” asking whether fans should be under, over, or just whelmed with Brock Nelson's start as the new second-line center. They discuss Nelson's two-way play, his impact on Colorado's top-ranked penalty kill, and what kind of offensive production is realistic this season. The conversation also touches on Martin Necas' massive extension, Victor Olofsson's goal streak, the Avs' 22nd-ranked power play, and Scott Wedgewood's league-leading win total in net. #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com/sports The Faster, Easier way to Refinance

The Home Loans Radio 11.01.2025 with That Mortgage Guy Don- Happy Halloween! OZZY (Fritz) recap!

Learn how to pick dental, vision, life, and disability coverage with confidence, and when refinancing a home can actually save you money. Is now a good time to refinance your mortgage? Which open enrollment benefits are worth it this year? Hosts Sean Pyles and Elizabeth Ayoola talk to an expert about the ins and outs of open enrollment in 2026. But first, news Nerd Anna Helhoski joins them to share her conversation with NerdWallet mortgage writer Holden Lewis about falling mortgage rates and what they mean for buyers, sellers, and homeowners. They begin with a discussion of refinancing and today's housing market, with tips and tricks on using a refinance calculator, how much of a rate cut to target, weighing closing costs and the break-even timeline, and other smart reasons to refi. Then, benefits expert April Brasher, knowledge advisor at the Society for Human Resource Management (SHRM), joins Sean and Elizabeth to discuss open enrollment choices beyond health insurance. They discuss what dental and vision plans usually cover and what they don't, how and when to add to group life insurance provided by some workplaces, and how disability insurance works. They also discuss when accidental death and dismemberment (AD&D), hospital indemnity, and critical illness policies can make sense, how to avoid being over-insured, and why taking a quick personal and financial inventory before enrollment deadlines helps you choose only what you need. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: mortgage rates, refinance mortgage, refinance break-even, FHA mortgage insurance, remove FHA MIP, conventional vs FHA loan, housing market outlook, best time to buy a house, home buying season, mortgage closing costs, homeowners insurance shopping, lower mortgage payment, Fed rate cuts, housing inventory, open enrollment, dental insurance, vision insurance, life insurance through employer, supplemental life insurance, beneficiary designation, evidence of insurability, AD&D insurance, disability insurance, short-term disability, long-term disability, own occupation vs any occupation, hospital indemnity insurance, critical illness insurance, high deductible health plan, and limited purpose FSA. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Host of ‘How to Money’ Joel Larsgaard joins the show to discuss workers planning ahead for a potential layoff, people refinancing into 84-month car loans, and ads infiltrating your fridge and car.See omnystudio.com/listener for privacy information.

The Fed just cut interest rates — but does that mean YOU should refinance your mortgage or student loans? In this episode, Jimmy and Justin break down how rate cuts actually impact real life borrowing costs, what the media gets wrong about “market reactions,” and when refinancing actually makes financial sense. We walk through what break-even math looks like, why refinancing federal student loans can be a massive mistake for doctors, and how to think about future rate cuts that may be coming.Looking for disability insurance but not sure how to get a quote you can trust? Get a quote from Money Meets Medicine Disability Insurance Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textJoin Mark Jones and hard money expert Jade Florez of Longhorn Investments as they dive deep into the world of real estate investing in today's dynamic market. Discover why mom-and-pop investors are thriving with hard money loans, even as traditional buyers hesitate. Jade breaks down the BRRRR method (Buy, Renovate, Refinance, Rent, Repeat), explaining how investors can acquire properties with minimal out-of-pocket cash and build long-term wealth. Learn about the critical 70% rule for flips, the shift from rentals to flips due to rising costs, and how speed and flexibility make hard money a powerful tool. They also expose common pitfalls like contractor mismanagement and discuss the true landscape of institutional vs. individual property ownership. Whether you're a seasoned investor or looking to start your portfolio, this episode offers invaluable insights into leveraging hard money, managing risks, and navigating market changes for profitable real estate ventures.Get in Contact with Jade : https://www.longhorninvestments.com/loan-consultants/jade-florezSupport the showKey Factors Podcast is Powered by LoanBot.com Host: Mark Jones | Sr. Loan Officer | NMLS# 513437 If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

As interest rates tumble to three-year lows, Singapore’s homeowners are racing to refinance their HDB loans. Could now be the smartest time to switch from HDB’s 2.6% rate to a bank loan? Or are there hidden risks that could derail your savings goals? From lock-in penalties to cash rebates and the one-way nature of HDB refinancing, learn what every borrower needs to check before signing. Then, turn your attention to retirement - how much insurance coverage do you really need to protect your future without overpaying? Hosted by Michelle Martin with guest Daniel Sim, Founder of Golden Goose Properties. See omnystudio.com/listener for privacy information.

The Colorado Avalanche agreed to terms with Forward Martin Necas on an 8-year, $92 Million Extension. Jesse Montano and Meghan Angley unpack why it made sense for the Avs to get a deal done now, and what Necas means to the organization going forward. #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance

Jesse Montano and Meghan Angley take a few minutes to unpack the Martin Necas 8-Year, $92-Million Dollar Contract extension that was signed just before practice on Thursday Morning. #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance

People Are Getting Hosed — VA Refi Receipts (Light) A concise, source-backed outline for your live show • Updated Oct 30, 2025 What's Been Happening (2023–2025) CFPB orders NewDay USA to pay $2.25M Federal consent order alleges misleading cost comparisons on cash‑out refis to servicemembers and veterans. Enforcement CFPB • Aug 29, 2024 Newsroom Consent Order (PDF) Case Docket Servicers' pressure on survivors Report details pressure tactics, inaccurate info, and delays for bereaved families with VA‑backed loans. MOAA • Jan 17, 2025 Open Source VA: Pause foreclosures on VA loans VA called on mortgage servicers to pause foreclosures through May 31, 2024 — pushback to curb harm. VA Newsroom • Nov 17, 2023 Open Source VA seeks extended moratorium Requested extending the veteran foreclosure moratorium through Dec 31, 2024. VA Newsroom • May 29, 2024 Open Source CFPB relief for veterans harmed by schemes $6M in relief tied to illegal lending schemes targeting veteran benefits — signals regulatory focus on veteran predation. CFPB • Jan 2, 2024 Open Source MSCI: High speeds in Ginnie Mae VA loans Investor-side analysis flagged extraordinary prepayment speeds — a market clue of aggressive refi activity. MSCI Blog • May 24, 2024 Open Source Ginnie Mae: recent prepayment activity Agency note: VA cohorts led a recent uptick; overall CPR still below pre‑pandemic — use for nuance. Ginnie Mae • Jun 6, 2024 Open Source CFPB Consumer Response (2024) Mortgage-related consumer complaints remain significant; use to frame trends. CFPB • Published May 1, 2025 Overview Full Report (PDF) BBB: high‑pressure & trigger‑lead complaints Consumer allegations referencing rapid-fire calls and “too-good-to-be-true” VA refi offers (use as allegations, not findings). BBB • Ongoing Example complaints Company profile VA IRRRL — official rules Legitimate streamline path; costs can be financed or traded for a higher rate — decode “no‑cost” claims. VA.gov • Updated 2025 VA.gov Benefits (alt) MarketWatch: VASP wind‑down risk As VASP winds down, tens of thousands of veterans may be closer to foreclosure — stakes and urgency. MarketWatch • May 2025 Open Source Reuters: Kickbacks & steering case CFPB accuses Rocket Homes & partner of illegal referral scheme — not VA‑specific, but shows current enforcement climate on steering. Reuters • Dec 23, 2024 Open Source Talking Points (use these on-air) Misleading “savings” claims: Show NewDay consent order. Translate how “no‑cost” often means “financed costs” or a higher rate. Refi churn math: Explain payment reset, added fees to balance, and erosion of equity; cite investor prepayment data. High‑pressure tactics: Trigger‑lead calls, mailers, and scripted urgency; emphasize opt‑out and comparison shopping. Servicing pain points: Survivors report pressure/delays; stress VA escalation paths and patience with documentation. Guardrails for vets: IRRRL mechanics, itemized fees, true break‑even, and avoiding back‑to‑back refis unless math wins. Regulatory posture: VA foreclosure pauses, VASP, and ongoing CFPB enforcement show the government is watching. Call to action: Offer to do a plain‑English, side‑by‑side quote; invite viewers to send statements for a fee audit. Links & CTAs (edit these) RateWatch 2.0 Add your RateWatch sign‑up URL Schedule Consultation Open scheduling link Apply Now Add your application URL SmartCredit (affiliate) SmartCredit signup Credit Karma (affiliate) Free credit score The Budget App (referral) Budget App link YouTube — The Rate Update Add your channel URL Website therateupdate.com Light version • All external links open in a new tab • Replace placeholder CTAs with your URLs • © 2025 The Rate Update

With interest rates starting to fall (yay!), many homeowners are asking the big question: Is now the right time to refinance? In this episode, we're tackling all the most common questions about refinancing so you can make an informed decision.We cover:What refinancing actually means and how the process worksWhen refinancing makes sense (and when it doesn't)How to calculate potential savings on payments and interestThe costs involved and how long it takes to break evenCommon mistakes homeowners make when refinancingWhether you're hoping to lower your monthly payment, shorten your loan term, or tap into equity for other goals, this episode will help you understand the refinancing process and decide if it's the right move for you.Start your refinance application: www.shelleyconnell.comSend us a textEnjoyed this episode? Share it with friends and family or leave us a review! Have questions or stories to share? Send them our way, and they might be featured in a future episode! Stay Connected:- Follow us on Instagram and Facebook for more updates and visuals.- Visit our website at NestologyPodcast.com for additional resources and episode archives.- Email us at NestologyPodcast@gmail.com with your questions and stories!

Jesse Montano and Meghan Angley get your week started by taking a look around the league as we approach the 10-game mark for all teams. They'll look at who has surprised, who has disappointed, which teams might be taking the next step, and which are seeing their windows close. #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance

Jesse Montano and Meghan Angley are LIVE after the Colorado's two-game Eastern road trip to take on the Bruins and the Devils f #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance

The Avalanche keep finding ways to grab points and Val Nichushkin is a big reason why. Jesse Montano and Meghan Angley break down Colorado's thrilling comeback effort against the Carolina Hurricanes, where the Avs clawed back from a 1-4 deficit to earn a shootout point and stay unbeaten in regulation. They dig into Nichushkin's surge, the power play's ups and downs, and Jared Bednar's postgame comments about “casual defense” in the first period.   #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance

Discover why refinance demand is soaring.  Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)

It's all over the news! Rate cuts are going lower and lower and you might be panicking and pressured whether to do it now or later. Jen and Jill dug into the news, cut through the speculation, and crunched the numbers so that we can help you decide whether you should refinance now or wait for possible lower rates.

Send us a textIn this episode of The Wealth Vibe Show, host Vinki Loomba sits down with Mark Ainley, a seasoned Chicago-based real estate investor and the founding partner at Gc. Realty & Development. Mark has spent over two decades building his wealth by renovating 500+ properties and managing 7,000 units. Mark shares insights into how he transitioned from the Burr method to creating a full-fledged real estate business, and the lessons he's learned over the years on what works and what doesn't when it comes to building long-term wealth. How It Works:Going Deep on One Thing: Mark emphasizes the power of focusing on one strategy, learning it, and executing it well rather than spreading yourself too thin.Leadership & Delegation: The importance of learning how to be a strong leader and delegate effectively, setting your team up for success.The Burr Strategy: A deeper dive into the Buy, Rehab, Rent, Refinance, Repeat (Burr) method and common mistakes that investors make when scaling this strategy.Property Management as a Wealth-Building Tool: How owning a property management company has created additional opportunities for Mark's investments and provided cash flow for further growth.Partnering for Success: The value of finding a complementary partner who brings a different skill set to the table, and how to vet and build successful partnerships.Episode Timestamps:00:00 - 01:05: Introduction01:05 - 04:22: Mark's Personal Journey to Building Wealth Through Real Estate04:22 - 08:00: The Importance of Going Deep on One Strategy08:00 - 12:15: Overcoming Early Mistakes in Leadership and Delegation12:15 - 16:05: Scaling the Burr Method: Key Lessons Learned16:05 - 19:47: The Role of Property Management in Building Wealth19:47 - 23:32: How to Find and Vet the Right Business Partner23:32 - 27:00: Industrial, Multifamily, and Single-Family Real Estate: Mark's Investment Strategy27:00 - 30:10: Real Estate Challenges and How to Stay Grounded30:10 - 34:15: The Grind Behind the Success: What People Don't See34:15 - 37:12: Rapid Fire Round37:12 - 38:45: Closing Thoughts & ResourcesWhere to Find Mark Ainley:LinkedIn: https://www.linkedin.com/in/mark-ainley/ 

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On this Ask Suze & KT Anything episode, KT asks Suze your questions about funding your trust, the Must-Have Docs, Roths, and so much more. Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

The Federal Reserve has finally cut rates. Will mortgage rates follow? If you've been waiting to rate lock or refinance, is now the time, or does the market think we have even further to fall?  With inflation coming down from past years' peaks and unemployment slowly ticking up, the Fed made the decision everyone was waiting for: cut rates…cautiously. There are still more 2025 rate cuts lined up, but they may not have the effect on mortgage rates that many people think. Many expect mortgage rates could dip into the mid-5% range by late 2025—Dave isn't so sure. Today, we're giving you a full recap of the Fed meeting and their announcement, what current mortgage rates are, and interest rate predictions for the rest of 2025 and into 2026. Plus, Dave shares who should consider rate locking and refinancing right now as mortgage rates have fallen over the past couple of months.  If you missed the Fed meeting, don't worry, this episode will get you up to speed! In This Episode We Cover The Fed's recent rate cut announcement and where mortgage rates are today Mortgage interest rate predictions and whether we'll dip into the 5%-range by the end of 2025 Who should rate lock and refinance now, given that rates may go back up (what Dave would do) Future Fed rate cuts and where current Fed members think we'll be in 2026, 2027, and beyond The two scenarios that could lead to us seeing 5% mortgage rates again And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1176 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices