Podcasts about Refinancing

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Joining us today is Chris Litzler, Senior Managing Director at Marcus & Millichap, for an insider look at the current state of real estate capital markets. We dive into the world of refinancing and acquisition lending. With interest rates significantly higher than just a few years ago, most refinancing today is "involuntary." Listen in to hear Chris explain what passive investors should be looking for in real estate deals, the growing role of private credit funds, and more! If you like this episode, here are more episodes we think you'll enjoy: Ep #534 - Russ Morgan – Becoming a Better Investor: What to Pay Attention to and What to Ignore Ep #532 - David McAlvany – Recession and Reindustrialization: Investing Wisely in a Time of Transformation Ep #527 - Marcus Crigler – Real Estate Investing and Profit Retention For 2025 Check out the show notes for more information! P.S. Whenever you're ready, here are some other ways I can help fast track you to your Freedom goal (you're closer than you think): 1. Schedule a Call with My Team: If you'd like to replace your active practice income with passive investment income within 2-3 years, and you have at least 1M in available capital (can include residential/practice equity or practice sale), then schedule a call with my team. If it looks like there is a mutual fit, you'll have the opportunity to attend one of our upcoming member events as a guest. 2. Get Your Dentist Retirement Survival Guide: The winds of economic change are here, and now is the time to move to higher ground. This guide gives you the steps to protect your retirement, your family, and your peace of mind. Get the 25-point checklist here.   3. Get Your Free Retirement Scorecard: Benchmark your retirement and wealth-building against hundreds of other practice professionals, and get personalized feedback on your biggest opportunities and leverage points. Click here to take the 3 minute assessment and get your scorecard.

What is quantitative modeling and what does it have to do with real estate investing? More than most people realize. In this episode, Jeannette Friedrich is joined by finance professor and former Federal Reserve fellow David Leather to break down the world of quantitative modeling - what it is, how it evolved, and why real estate investors should be paying closer attention to it in 2025 and beyond. From office-to-residential conversions to interest rate predictions, this conversation offers a smarter way to think about risk, returns, and real estate strategy. Guest: David Leather, Assistant Professor of Finance & Real Estate, Chapman University Key Takeaways: What quant modeling really means Learn how quantitative finance evolved and how it applies to modeling asset prices, portfolios, and even real estate cap rates in a changing economy. How real estate is catching up Why improved data availability is making it possible (and necessary) to apply quant techniques in real estate decision-making. The future of office buildings What signals could indicate a return-to-office trend, and the economic and architectural hurdles behind converting office assets to multifamily housing. Affordable housing strategies How spatially targeted LIHTC policy could be optimized—and why more conversions aren't happening without government support. Refinancing in a tough lending environment Practical advice for investors with development loans maturing in the next few years—and the risks of waiting too long to refinance. Reading the Fed and the rates What investors should track to anticipate shifts in interest rate policy and private debt market conditions. A practical alternative to homeownership Why REITs may be a smarter investment than owning a home in high-cost markets like Southern California. This episode is for any investor who wants to think more rigorously—and more strategically—about what drives real estate performance today. Timestamps 00:00 Introduction to Quant Modeling 00:18 Meet David Leather: Finance and Real Estate Expert 01:29 Understanding Quantitative Modeling in Real Estate 05:18 The Office Sector and Real Estate Conversions 09:03 Affordable Housing and Policy Recommendations 19:15 Lightning Round and Final Thoughts Are you REady2Scale Your Multifamily Investments? Learn more about growing your wealth, strengthening your portfolio, and scaling to the next level at www.bluelake-capital.com. Credits Producer: Blue Lake Capital Strategist: Syed Mahmood Editor: Emma Walker Opening music: Pomplamoose *

In this powerful episode of the Jake & Gino podcast, we're joined by Rob Finlay—serial entrepreneur, founder of 30 Capital, and author of Beyond the Building and Hey Dad. Rob dives deep into commercial real estate debt strategy, the importance of tracking OKRs and KPIs, and the long-term thinking that separates real estate professionals from amateurs.But this conversation doesn't stop at business. Rob also opens up about parenting adult children, financial literacy, and the “green gas” phone call that inspired his latest book, Hey Dad, a must-read for any parent raising self-sufficient young adults in today's world.Whether you're a multifamily investor looking to improve your financial game or a parent preparing your kids for life, this episode delivers hard-earned insights from one of the best in the business.Get the books:Hey Dad: https://heydadbook.comConnect with Rob FinlayWebsite: https://robfinlay.comInstagram & more: @robfinlay   Chapters:00:00 - Introduction  04:54 - KPIs & OKRs Explained (with Chick-fil-A References)  14:47 - Smart Leverage & Exit Strategies  18:15 - How New Investors Should Think About Equity, Recycling Deals, and Exit Strategies  21:41 - Refinancing vs. 10-Year Lockups  29:24 - The 2021–2022 Bridge Debt Trap  32:49 - Hey Dad: The Gas Pump Phone Call That Started It All  39:46 - Real Parenting Talk: Teaching Independence Through Exposure  43:05 - Kids & Money: Raising Financially Literate Adults  49:34 - Gino Wraps it Up  We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)

In this engaging conversation, Catherine and Sean discuss various topics ranging from the challenges of rainy weather and lawn care to the complexities of refinancing a mortgage. They share their experiences building a deck for the PGA Tour and attending the event, highlighting the unique atmosphere and high costs associated with golf tournaments. The discussion then shifts to NASA's ambitious plans for construction on Mars, exploring the implications of space exploration and the future of living on other planets. Throughout the conversation, they reflect on personal experiences and broader themes of exploration, innovation, and the human condition. In this conversation, Sean and Catherine explore the nuances of emotional states, particularly focusing on feelings of being in a 'funk' and the pressures of responsibility that come with business ownership. They discuss the impact of ADHD on Sean's ability to manage tasks and responsibilities, and how this can lead to feelings of being overwhelmed. The importance of finding hobbies and community support is emphasized as a way to alleviate stress and provide a mental break. The conversation concludes with reflections on the cyclical nature of life and business, recognizing that periods of struggle are often followed by growth and renewed energy.

In this episode, Craig Shapiro discusses the current state of the equity market rebound, focusing on the impact of political changes, particularly the Trump administration's policies, on market dynamics. He delves into the bond market's reactions, the challenges of refinancing national debt, and the implications of tariffs on the economy. The conversation highlights the complexities of navigating the financial landscape amidst evolving political and economic conditions. In this conversation, Craig Shapiro discusses the current economic landscape, focusing on the uncertainty surrounding market reactions, particularly in the context of retail and small businesses. He highlights the challenges faced by small businesses in accessing credit and competing with larger corporations. The discussion also touches on future growth prospects, geopolitical dynamics, and the implications of U.S. economic policies on global capital flows and investment trends. Shapiro emphasizes the potential for a slowdown in economic growth and the impact of tariffs on foreign investment in U.S. assets.This episode of Mining Stock Daily is brought to you by... Vizsla Silver is focused on becoming one of the world's largest single-asset silver producers through the exploration and development of the 100% owned Panuco-Copala silver-gold district in Sinaloa, Mexico. The company consolidated this historic district in 2019 and has now completed over 325,000 meters of drilling. The company has the world's largest, undeveloped high-grade silver resource. Learn more at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠https://vizslasilvercorp.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Calibre Mining is a Canadian-listed, Americas focused, growing mid-tier gold producer with a strong pipeline of development and exploration opportunities across Newfoundland & Labrador in Canada, Nevada and Washington in the USA, and Nicaragua. With a strong balance sheet, a proven management team, strong operating cash flow, accretive development projects and district-scale exploration opportunities Calibre will unlock significant value.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.calibremining.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Integra is a growing precious metals producer in the Great Basin of the Western United States. Integra is focused on demonstrating profitability and operational excellence at its principal operating asset, the Florida Canyon Mine, located in Nevada. In addition, Integra is committed to advancing its flagship development-stage heap leach projects: the past producing DeLamar Project located in southwestern Idaho, and the Nevada North Project located in western Nevada. Learn more about the business and their high industry standards over at integraresources.com

When choosing a mortgage lender, it's important to carefully compare several key factors to ensure you get the best deal and the right fit for your financial situation. Here's who you might consider and how to evaluate them:1. Types of Lenders to ConsiderBanks: Traditional option; may offer relationship discounts if you have accounts there.Credit Unions: Often have lower rates and fees; membership may be required.Mortgage Brokers: Shop multiple lenders on your behalf but may charge a broker fee.Online Lenders: Often streamlined and convenient; compare their rates carefully.Non-bank lenders: Can be more flexible for unique financial situations.2. What to Look ForInterest Rates: Fixed or variable—get quotes from multiple sources to compare.Fees: Application, origination, underwriting, appraisal, and closing costs.Loan Types Offered: Conventional, FHA, VA, jumbo, etc., based on your eligibility.Customer Service: Look for responsive, transparent, and helpful communication.Reputation: Read reviews and check ratings from the Better Business Bureau or Trustpilot.Preapproval Process: A good lender should make this easy and informative.3. Best PracticeGet at least 3 quotes from different lenders.Ask for a Loan Estimate from each so you can compare total costs side-by-side.Consider long-term value, not just the lowest monthly payment—compare APRs.tune in and learn https://www.ddamortgage.com/blogdidier malagies nmls#212566dda mortgage nmls#324329 Support the show

What if the best opportunity in today's mortgage market isn't residential... but building rentals? In this episode, I sit down with David Mayrand, a broker who specializes in multifamily construction and CMHC's MLI Select program. We unpack how this powerful financing tool lets developers build purpose-built rentals with as little as 5% down—and how you, as a broker, can plug into it. Whether you want to refer these deals, run your own, or just understand how to serve investor clients better, this conversation breaks down what's working, what's changing, and where the opportunity is. If you've been looking for a way to stand out and diversify, this is a massive opportunity. We'll cover: Understanding MLI Select - How CMHC's incentive program allows builders to finance up to 95% of new rental construction—and what “affordable” really means in their model. Refinancing with 95% LTV - Why builders who use their own capital are using this program to pull equity out and build again. Construction vs. Condo Market - Why purpose-built rentals are on the rise and how they compare to the struggling condo market in major cities. Tools for Brokers - David shares a new tech portal brokers can use to run pro forma financing scenarios—even if they're brand new to multifamily. How to Work with David's Team - Whether you want to refer and earn or learn and grow, David's team has options that let you plug into their systems, stay in the loop, and get paid.   To connect with David, you can check out the links below Facebook LinkedIn https://maoki.ca/ https://portal.maoki.ca/#/login   Follow me on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com Subscribe to my 3-2-1 Thursday Email I Love Mortgage Brokering is in partnership with Ownwell.  To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca.

Synchronoss Technologies CEO Jeff Miller spoke with Steve Darling from Proactive to announce strong first-quarter 2025 results, marked by growth in cloud subscribers, improved margins, and high recurring revenue. The company reported $42.2 million in revenue, slightly down from $43 million a year earlier due to the expiration of a customer contract. However, recurring revenue rose to 93.1% of the total, up from 91.1%. Income from operations more than doubled to $8.2 million, while adjusted EBITDA grew 17% to $12.7 million, achieving a 30.2% margin. Synchronoss also completed a $200 million refinancing through a new four-year loan with TP Birch Grove, allowing it to retire $73.6 million in debt and fund the redemption of $121.4 million in senior notes. The company reaffirmed its full-year 2025 guidance, projecting revenue between $170 million and $180 million, adjusted EBITDA of $52 million to $56 million, and free cash flow of $11 million to $16 million, excluding a pending $28 million U.S. federal tax refund. #proactiveinvestors #synchronosstechnologiesinc #nasdaq #sncr #cloud #CloudRevenue #Q12025Results #JeffMiller #RecurringRevenue #TechEarnings #VerizonCloud #ATandTCloud #InvestorUpdates #TPBirchGrove #SoftwareGrowth #Refinancing

  In this episode of the Profitable Christian Business Podcast, host Doug Greathouse sits down with his good friend and financial coach Andy Bennetts to discuss two of the most misunderstood and mission-critical topics in the Christian entrepreneur world: faith and finances. With humor, depth, and practical wisdom, Andy shares how Christians can break free from debt, avoid the hidden traps of the traditional banking system, and walk in true financial stewardship. From uncovering the meaning behind the word mortgage to introducing his "Financial GPS" system, this episode is a must-listen for anyone who wants to honor God with their finances while building a lasting legacy. This isn't just about money—it's about obedience, sacrifice, and freedom.

Connect with Lauryn: https://www.lauryn-williams.com/ Student Loan Planner: https://www.studentloanplanner.com/ In this episode, T.J. van Gerven and Lauryn Williams discuss the complexities of managing student loan debt, including public service loan forgiveness, income-driven repayment plans, and the implications of recent policy changes. Lauryn shares her personal journey from being an Olympian to becoming a financial planner, emphasizing the importance of understanding one's unique financial situation. The conversation covers various strategies for managing student loans, the risks of refinancing, and the impact of marital status on repayment plans. Listeners are encouraged to take proactive steps in their financial planning to optimize their student loan situations. Takeaways Lauryn's journey from athlete to financial planner highlights the importance of financial literacy. Public Service Loan Forgiveness (PSLF) requires specific employment and payment criteria. Income-driven repayment plans can significantly reduce monthly payments based on income. Refinancing student loans can eliminate federal protections and benefits. Married couples should consider filing separately to optimize student loan payments. Tax implications of student loan forgiveness can be substantial and should be planned for. Understanding the different types of student loans is crucial for effective management. Proactive financial planning can lead to significant long-term benefits. Consulting with a financial advisor can provide personalized strategies for student loan management. Staying informed about policy changes is essential for effective financial planning. Chapters 00:00 Introduction to Student Loan Management 02:45 The Journey to Financial Planning 05:46 Understanding Public Service Loan Forgiveness (PSLF) 08:25 Income-Driven Repayment Plans Explained 11:31 Navigating Changes in Student Loan Policies 14:05 Refinancing vs. Consolidation of Student Loans 16:56 The Impact of Student Debt on Young Professionals 19:53 Choosing the Right Repayment Plan 20:37 Understanding Student Loan Payments and Interest 23:15 Marital Status and Student Loan Repayment Strategies 26:12 Tax Implications of Student Loan Forgiveness 28:23 Personalized Financial Planning for Student Loans 31:39 Navigating Income-Driven Repayment Plans 33:55 Retirement Contributions and Student Loan Payments 36:55 Taking Action on Student Loan Management

Leon Wankum shares his journey from studying philosophy to becoming a property expert and Bitcoin enthusiast. He discusses the intersection of real estate and Bitcoin, emphasizing the monetary premium in real estate, the impact of the fiat system on property prices, and the social consequences of property investment. Leon differentiates between property speculation and development, highlighting the business aspects of real estate. He also compares investment yields in real estate versus Bitcoin, arguing that Bitcoin offers superior returns and flexibility as a store of value. In this conversation, Stephan and Leon discuss the evolving landscape of investment strategies, particularly the integration of Bitcoin into real estate investments. They explore the barriers that traditional property investors face when considering Bitcoin, the potential benefits of incorporating Bitcoin into investment portfolios, and the future implications for real estate if Bitcoin is not adopted. The discussion emphasizes the importance of understanding Bitcoin as a superior monetary technology and its role in counterbalancing inflation and enhancing financial strategies.Takeaways

Welcome back to another episode of Divorce at Altitude! This week, host Ryan Kalamaya is joined by Certified Divorce Lending Professional (CDLP) Karla Kyte to discuss the critical intersection of divorce and real estate. With real estate prices and mortgage rates making headlines, it's more important than ever for divorcing individuals to understand how homeownership, refinancing, and mortgage assumptions play a role in their financial future.Karla brings 27 years of lending experience in Colorado and specializes in helping divorcing clients navigate the often-overlooked financial challenges of property division and home financing. This episode is packed with key insights on common misconceptions, financial pitfalls, and essential planning strategies for divorcing homeowners.Episode Highlights:Why Real Estate is a Critical Factor in Divorce: Ryan and Karla discuss why nearly every divorce involves the marital home and how real estate decisions can have long-term financial consequences.The Impact of Child Support & Spousal Maintenance on Loan Qualification: Learn how temporary and permanent support orders affect mortgage approvals, including why three years of support is often required for financing.The Hidden Challenges of Refinancing & Mortgage Assumptions: Karla dispels myths about mortgage assumptions and explains why simply “taking over” a loan isn't as easy as it sounds—and why a refinancing strategy may be more beneficial.Buying a Home Before the Divorce is Final: Can you buy a home before your divorce is finalized? Yes—but only if specific legal and financial conditions are met. Karla breaks down the steps necessary to make this work.Why You Need a Certified Divorce Lending Professional (CDLP): Many divorcing individuals unknowingly agree to settlements they can't execute, leading to forced home sales and financial hardship. Karla explains why early mortgage planning is crucial and how a CDLP can help prevent costly mistakes.Key Takeaways:Misconceptions About Mortgage Lending in Divorce: Many attorneys and lenders misunderstand mortgage qualifications for divorcing clients. Karla reveals the most common mistakes that can derail home financing.Temporary Support & Its Role in Home Loans: Establishing court-ordered temporary support early in the process caWhat is Divorce at Altitude? Ryan Kalamaya and Amy Goscha provide tips and recommendations on issues related to divorce, separation, and co-parenting in Colorado. Ryan and Amy are the founding partners of an innovative and ambitious law firm, Kalamaya | Goscha, that pushes the boundaries to discover new frontiers in family law, personal injuries, and criminal defense in Colorado. To subscribe to Divorce at Altitude, click here and select your favorite podcast player. To subscribe to Kalamaya | Goscha's YouTube channel where many of the episodes will be posted as videos, click here. If you have additional questions or would like to speak to one of our attorneys, give us a call at 970-429-5784 or email us at info@kalamaya.law. ************************************************************************ DISCLAIMER: THE COMMENTARY AND OPINIONS ON THIS PODCAST IS FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. CONTACT AN ATTORNEY IN YOUR STATE OR AREA TO OBTAIN LEGAL ADVICE ON ANY OF THESE ISSUES.

MacroVoices Erik Townsend & Patrick Ceresna welcome, Michael Howell. They'll discuss cyclicality of credit markets, why we should think of them as a refinancing system rather than a credit origination system, and what can be learned by taking this street-smart approach to credit market analysis. https://bit.ly/42F9PsA

Think you need a job or steady income to qualify for a mortgage? Think again. In this episode, Joe Cucchiara breaks down a powerful loan option for buyers with significant assets but no traditional income. Whether you're between jobs, recently sold a business, retired early, or just taking a break, you may still qualify for financing. Joe explains how lenders can use your assets to calculate qualifying income—without W2s or paystubs. It's not “no-doc,” it's smart lending. Tune in to learn how to leverage your financial profile in today's real estate market.   To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk.  We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.  

HE BUILT THE DREAM AND ALMOST LOST HIMSELF IN IT.Emanuele Pani went from mopping floors and fixing leaks…to owning nearly every unit in his building.But success wasn't what he expected.In this episode, you'll hear:How he bought 39 out of 40 units using seller financing & hustleWhat happened when COVID hit, no grace period, no backup planThe creative deals that made it all possible (and profitable)Why burnout and identity loss followed after the winHow he rebuilt his purpose with long-term hospitality and legacy in mindThis isn't a how-to. It's a how-he-did-it.From broke to burned out and back to intentional growth.04:30 – From Cleaning Units to Closing Deals: The Hustle Years Begin09:00 – Bold First Move: Buying 12 Apartments with No Credit13:30 – Managing Chaos: Mortgages, Maintenance, and Mentality18:00 – Refinancing & Reinvesting: How One Refi Fueled the Next Level22:30 – Rising Too Fast: Distractions, Syndications, and Burnout27:00 – The Redemption Plan: 18-Unit Acquisition Through Sheer Will31:30 – Pandemic Pivot: Surviving COVID with Mid-Term Mastery36:00 – The Final Two: Closing the Hardest Sales with Strategic Leverage41:00 – Full Circle Wealth: STR Structure, Community, and Long-Term VisionGet FREE Access to our Community and Weekly Trainings:https://group.strsecrets.com

HE BUILT THE DREAM AND ALMOST LOST HIMSELF IN IT.Emanuele Pani went from mopping floors and fixing leaks…to owning nearly every unit in his building.But success wasn't what he expected.In this episode, you'll hear:How he bought 39 out of 40 units using seller financing & hustleWhat happened when COVID hit, no grace period, no backup planThe creative deals that made it all possible (and profitable)Why burnout and identity loss followed after the winHow he rebuilt his purpose with long-term hospitality and legacy in mindThis isn't a how-to. It's a how-he-did-it.From broke to burned out and back to intentional growth.04:30 – From Cleaning Units to Closing Deals: The Hustle Years Begin09:00 – Bold First Move: Buying 12 Apartments with No Credit13:30 – Managing Chaos: Mortgages, Maintenance, and Mentality18:00 – Refinancing & Reinvesting: How One Refi Fueled the Next Level22:30 – Rising Too Fast: Distractions, Syndications, and Burnout27:00 – The Redemption Plan: 18-Unit Acquisition Through Sheer Will31:30 – Pandemic Pivot: Surviving COVID with Mid-Term Mastery36:00 – The Final Two: Closing the Hardest Sales with Strategic Leverage41:00 – Full Circle Wealth: STR Structure, Community, and Long-Term VisionGet FREE Access to our Community and Weekly Trainings:https://group.strsecrets.com

In today's Banking With Life Q&A, James answers questions such as, "Why dismiss velocity banking if it helps set the table for IBC?", "Is using a one-year renewable term rider a bad idea?", "What's the core issue with refinancing and losing control of the banking function?", and more! As always, we hope you enjoy and thank you for listening!1. 0:22 - Refinancing now—lack of banking control is the real issue.2. 2:12 - Should a one-year renewable term be part of a policy?3. 5:52 - Why dismiss velocity banking as a bridge to IBC?4. 25:07 - Appreciate BWL—great service and genuine support!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client! ➫ www.bankingwithlife.com/how-t...Buy Nelson Nash's 6.5 hour Seminar on DVD here: ➫ www.bankingwithlife.com/produ... (Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking... ➫ www.bankingwithlife.com/getti...━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here: ➫ www.bankingwithlife.com/produ...━━━Learn more about James Neathery here: ➫ bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts: ➫ podcasts.apple.com/us/podcast...Listen on your Android through Stitcher: ➫ www.stitcher.com/podcast/bank...Listen on Soundcloud: ➫ / banking-with-life-podcast━━━Follow us on Facebook: ➳ / jamescneathery━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

In this episode of The Smart Property Investment Show, host Liam Garman sits down with Futurerent CEO, Godfrey Dinh, to discuss how investors can rapidly leverage their rental income to grow their portfolios. The duo begins by explaining the concept of Futurerent, which offers an alternative to traditional bank refinancing by providing a streamlined, hassle-free method for investors to unlock capital from their properties. The process uses a “concurrent lease” agreement, where Futurerent provides an upfront rental prepayment, which investors repay over a set period, ensuring immediate cash while maintaining steady rental income. Throughout the podcast, Godfrey highlights success stories, including one where a client renovated a property to increase rent, enhancing both income and borrowing capacity for future investments. Godfrey said that Futurerent's philosophy is based on the “POWER” method – Potential, Oxygen, Wealth Creation, Equity, and Recycle – allowing investors to grow their portfolios, gain quick access to capital, and promote long-term wealth creation. For more information on Futurerent, click here. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

Do you want your owner clients to see you as more than just someone who handles repairs? To truly be an asset advisor, property managers need a solid understanding of property loans. In this episode, Marc chats with Josh Heinz of LendingOne, to demystify the world of property loans and lending.    They discuss the critical differences between individual and portfolio loans, and why this matters to property managers. Learn why choosing between a local bank and a private lender can significantly impact your client's investment strategy.    Josh also addresses common misconceptions held by both property managers and investors. Discover how understanding loan specifics can elevate your expertise and strengthen client relationships.    Whether you're a seasoned property manager or just starting, this discussion provides essential insights to enhance your service and better serve your investor clients. Tune in to gain knowledge that will position you as a true asset advisor.   Learn more about the LendingOne Growth Program here: https://lp.lendingone.com/grow   Manage more doors with less stress with LeadSimple!   Grow your property management business with PMW.   Rentvine - the property management software you can trust   To find out more about Marc's coaching services click here.   Join Marc's new property management Facebook group This podcast is produced by Two Brothers Creative.

What does today's market volatility really mean for your mortgage rate or next home purchase? Host Joe Cucchiara explores how recent market fluctuations are impacting interest rates and the housing market. He breaks down the economic factors contributing to fluctuating rates, such as inflation concerns, global events, and Fed policy. Joe discusses how these shifts affect homebuyers, sellers, and investors, emphasizing the importance of timing and flexibility in today's unpredictable environment. He also offers insights on refinancing strategies and the broader implications for long-term housing trends. Don't wait as this episode provides practical takeaways for anyone trying to make smart real estate decisions amid todays economic uncertainty.   To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk.  We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.  

In this episode, Criterion breaks down the latest property updates, dives into the impact of tariffs and inflation on commercial real estate, and explains how owning assets positions investors to win in any market cycle. Time Stamps: 0:00 Welcome back to the show! 1:11 Recent property tour highlights 4:03 Landon Square & Richmond deal updates 4:42 Fluorescent outparcel success story 7:13 Introducing today's topic: tariffs & inflation 8:15 How tariffs impact prices & inflation 10:00 Why inflation benefits asset owners 13:33 Rent growth & value-add strategies 17:00 Refinancing strategies in a recession 20:02 Final thoughts: Winning in any market *Be Sure to check us out on Spotify and Apple Podcasts for the Audio version of today's episode!** https://open.spotify.com/show/08KmNvqGV5HjmHUC8fLuce https://podcasts.apple.com/us/podcast/how-to-invest-in-commercial-real-estate/id1543470290 Leave a review and win FREE MERCH! https://maps.app.goo.gl/QaaSZnQVWre1HUMH6 Links mentioned in this episode: www.TheCriterionFund.com www.HowToInvestInCRE.TV Invest.HowToInvestInCRE.com To sign up for our exclusive investor list, click below. https://www.thecriterionfund.com/join-our-investor-list

In this segment, we tackle the challenges of using the BRRRR method in today's real estate market. Learn how to adapt your strategies by incorporating HELOCs as an alternative to refinancing. Discover how small adjustments can safeguard your investments and create opportunities for growth, even in uncertain economic conditions. RESOURCES:  [BACKFLIP] Struggling with property data and financing? Discover Backflip—the all-in-one platform that instantly analyzes properties, pulls high-quality comps, and provides fast evaluations. Plus, apply for loans directly through the app and get help choosing the right investment strategy. Transform your real estate investing today! Click HERE to download the Backflip app.  [OILI EXPERIENCE] Use code PODCAST10 to get 10% off your ticket to the Owning It and Living It Experience, November 1-3 in Atlanta, Georgia! Don't miss out on learning from top industry experts like Henry Washington, Kendra Barnes, Jackie and Preston Perry, Lecrae Moore, and more. Plus, I'm giving away a fully renovated house—this year only! No virtual tickets—be in the room to level up your real estate game and immerse yourself in a unique blend of culture and knowledge. Click HERE to get your ticket.  [FREE CONSULTATION] Looking to buy, sell, or invest in real estate in Atlanta? My team of expert, investor-friendly agents is here to help! Book a free 15-minute consultation with one of my agents today, and let's figure out your next move together. [FB GROUP] Loving the podcast and want to connect with me and our incredible guests? Join the Owning It and Living It Facebook group! It's your go-to spot for real estate tips, advice, and a supportive community of investors just like you. Join us today and let's take your real estate journey to the next level.  Erika Brown IG: @erikabrowninvestor LinkedIn: @erika brown Wealth Within Reach is produced by EPYC Media Network

In this episode of The Smart Property Investment Show, Phil Tarrant sits down with mortgage expert Eva Loisance from Finni Mortgages to explore the advantages of refinancing and how it can help investors grow their property portfolio. The co-hosts talk about the growing trend of refinancing as many investors seek to secure lower interest rates, particularly with the recent RBA rate cuts, while discussing 10 other reasons to refinance beyond just securing a better rate. One reason to refinance is to secure a higher property valuation, which lowers the loan-to-value ratio (LVR) and unlocks better equity, with Eva pointing out that different banks have varying valuation methods, which can significantly impact a property's value. Refinancing also allows consolidating high-interest debts, like credit cards and car loans, into a single loan with lower repayments. Additionally, it enables extracting equity to fund new investments, accelerating property growth without needing a large deposit. Other reasons to refinance include consolidating bad debts, better policy terms, boosting capacity, and resetting the interest-only period. The co-hosts said investors who refinance their loans can access better mortgage products, improve loan features like offsets, and even switch to more favourable lenders by refinancing. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

Washougal School District is saving local taxpayers $2 million over the next decade by refinancing bonds at lower interest rates. Learn how this move impacts the community and what it means for future financial decisions. Read more at https://www.clarkcountytoday.com/news/washougal-school-district-attempts-to-save-taxpayers-money-through-bond-refinancing/ #WashougalSchoolDistrict #BondRefinancing #TaxpayerSavings #SchoolBoard #FinancialManagement #LocalNews #ClarkCountyWa

This episode is sponsored by...BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ 

This episode is sponsored by...BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ 

Divorce brings tough financial decisions, and one of the biggest is what to do with your home. Should you keep it, sell it, or refinance? And how do you sort through mortgage options while balancing credit, support payments, and financial stability?In this episode, I sit down with Amy Bell, Certified Divorce Lending Professional and  Mortgage Planning Specialist, to break down what you need to know about housing transitions during divorce. Listen in to learn how child support and alimony can affect mortgage approval, how to avoid common mistakes when it comes to credit, and more.For show notes and more, visit: https://tinyurl.com/mr3pk587

Podcast Episode Summary: Wisconsin Real Estate Today – Episode 55Title: Where Are Mortgage Rates Headed in 2025? Expert Insights with Dustin GrenierHost: John GscheidmeierGuest: Dustin Grenier, Epic Mortgage – Brookfield, WIEpisode Overview:In this must-listen episode of Wisconsin Real Estate Today, host John Gscheidmeier sits down with mortgage expert Dustin Grenier of Epic Mortgage to discuss where mortgage rates are today and where they could be headed in 2025.With economic uncertainty, a shifting political landscape, and differing views between the new presidential administration and Federal Reserve Chairman Jerome Powell, the housing market is at a crossroads. Will rates drop soon, or should buyers and homeowners prepare for higher costs?Key Topics Covered:

Join my Facebook group, Tax Strategies for Real Estate Investors, and become part of a community with 11,500+ high-level real estate investors ► Join here: ⁠https://www.facebook.com/groups/taxstrategyforinvestors⁠ In this episode, I sat down with Harrison Goldblatt, a real estate investor who has scaled to 60 units in just a few years. Harrison shares his journey from house-hacking his first property in Los Angeles to building a cash-flowing portfolio in Cleveland, Ohio. Along the way, he dives deep into the BRRRR method, leveraging value-add opportunities, and overcoming challenges in property management. Whether you're just starting out or looking to scale your portfolio, this conversation is packed with actionable strategies and valuable insights. Timestamps: 00:00:00 – Intro 00:01:00 – How Harrison Started in Real Estate: House Hacking in California 00:05:47 – First Property Numbers and Lessons Learned 00:09:09 – Scaling to 60 Units: Transitioning to Out-of-State Investing 00:14:03 – Using the BRRRR Method to Lower Investment Barriers 00:17:31 – Challenges with Refinancing and Avoiding Common Mistakes 00:20:22 – Lessons Learned from a Bad Deal in Detroit 00:24:13 – Importance of Mentors and Learning from Experienced Investors 00:29:27 – Tax Strategies: Cash-Out Refinancing and Depreciation 00:34:31 – Challenges of 1031 Exchanges and Managing Equity 00:39:04 – Beginner's Luck and the Risks of Overconfidence in Investing 00:42:20 – Property Management Pitfalls and Avoiding Scams 00:44:45 – Building a Community for Real Estate Investors Interested in working with me? Apply here: ► https://taxstrategy365.com/apply?el=podcast Let's connect! ► Instagram: https://www.instagram.com/ryanbakkecpa/ ► LinkedIn: https://www.linkedin.com/in/learnlikeacpa/ ► Twitter: https://x.com/RyanBakkeCPA ► Facebook: https://www.facebook.com/ryanbakkecpa ► TikTok: https://www.tiktok.com/@ryanbakkecpa *None of this is meant to be specific investment advice, it's for entertainment purposes only.

In this episode of The Smart Property Investment Show, Phil Tarrant and mortgage expert Eva Loisance from Finni Mortgages discuss the aftermath of the recent interest rate cut and its impact on investors. The duo explores how the rate cut affects investors, focusing on financial and psychological implications.  While the financial impact, such as reduced repayments and increased borrowing capacity, may seem modest, the rate cut has fuelled buyers' optimism and spending.  Eva said that since not all lenders will accept the rate cut, refinancing can be the solution for smart investors who want to take advantage of competitive rates.  The duo also urges investors to have a financial plan without overcomplicating investment structures for sustainable growth. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

Today I want to look at the question of refinancing after the RBA rate cut, and whether a long term fixed rate mortgage in Australia would be a good idea. While the ‘big four’ banks have committed to passing on the full 0.25 percentage point RBA driven rate cut to their customers, meaning those on … Continue reading "Would Refinancing Mortgages To Fixed 30 Year Loans Help Australians?"

Who Pays for Debt Accrued During the Marriage? | Los Angeles Divorce

In today's newscast, a new preliminary dataset from Moss Landing Marine Labs provides additional evidence linking the recent lithium-ion battery fire to elevated heavy metal levels in Elkhorn Slough soil. Plus, a refinancing move by the Marina Coast Water District saves $2.3 million.

https://pfgwm.com/wp-content/uploads/sites/2/2025/02/Investing-Simplified-02.09.25.mp3 Navigating the world of finance can be overwhelming, especially when biased advice and outdated strategies cloud the path to financial success. That's why Price Financial Group Wealth Management created Investing Simplified — a podcast dedicated to demystifying the complexities of finance and investing. Join our experienced hosts and guest experts as they break down financial concepts into practical, actionable insights. Whether you're a seasoned investor or just getting started, Investing Simplified is your go-to resource for honest advice and proven strategies to help you build a confident financial future. Meet the Hosts: Matt Mai - CIO & Wealth Manager Matt Sudol - COO & Wealth Manager Bo Caldwell - CCO & Wealth Manager Tune in and take charge of your financial journey with clarity and confidence! Schedule A Complimentary Consultation

This podcast features a conversation with a real estate investor who specializes in the "rent-by-the-room" strategy, particularly targeting college students near major universities. The guest shares their expertise on identifying suitable properties, adapting spaces to maximize rental income, and navigating financing challenges in this niche. Key Topics Discussed 1. Researching Locations and Understanding the Market Safety First: Tools like Reddit and CrimeGrade.org are invaluable for researching neighborhoods and identifying safe locations. Reddit provides direct insights into student preferences through word-of-mouth discussions. Student Preferences: Understanding what students seek in off-campus housing helps in selecting suitable properties. 2. Pricing and Rental Rates Use platforms like Facebook housing groups, Roomies.com, and Craigslist to determine average rental rates per bedroom. Pricing must align with the local market while ensuring profitability. 3. Maximizing Rental Income Repurposing Spaces: Convert bonus rooms, offices, or large living rooms into additional bedrooms to increase income. General Guidelines: Bedrooms must meet local egress and size requirements (typically 10x10 feet or larger). Estimating Bedroom Potential: Divide total square footage by 300 to estimate the number of bedrooms a property can support. 4. Financing Strategies Lenders typically use market-wide rental comps, even for rent-by-the-room setups. Refinancing to use actual rental income requires at least one year of ownership and showing income on tax returns. DSCR loans (Debt Service Coverage Ratio) may be harder to approve for room-by-room models during refinancing. 5. Target Tenant Base Focus on colleges with professional programs (e.g., medical, dental, law) where students stay for several years. Students are generally reliable tenants, with parents or financial aid often covering rent. Evictions are rare in this demographic. 6. Getting Started and Scaling Start with a single-family home and convert spaces to add bedrooms. Creating additional bedrooms is cost-effective (around $1,500–$2,500 per room). Once a system is established, the process can be repeated for future properties. 7. Advantages of Rent-by-the-Room Strategy Potential to net $1,500–$2,500 per month in cash flow per property. The U.S. has a vast market with colleges in every state, providing consistent tenant demand. Real estate investing offers compounding growth through leverage, equity paydown, and cash flow. Closing Thoughts The guest encourages new investors to consider this strategy due to its accessibility and profitability. They highlight the importance of developing a repeatable system to scale investments efficiently. Real estate investing provides financial independence and control over one's future. Resources: The guest offers a free guide and coaching program through their website, newbierealestateinvesting.com.

In this episode of the RE Social Podcast, hosts Andrew McCormick and Vince Rodriguez interview Jeff Chheuy, a San Diego-based investor who made the leap from his pharmacy career to full-time real estate investing. Jeff shares how his family's real estate background and his own drive led him to focus on long-distance investments, highlighting the financial benefits of targeting smaller markets. He dives into the strategies that help him maximize returns, including leveraging credit, working effectively with contractors, and staying ahead of state regulations. He also talks about the importance of mentorship, overcoming challenges, and building a solid foundation for long-term success. Don't miss this episode packed with actionable advice and inspiration. Listen to this episode now! Key Takeaways 00:00:00Welcome to the RE Social Podcast 00:00:21Jeff's Background and Career Shift 00:02:56His First Steps in Real Estate 00:05:40Lessons from Early Investments 00:08:56Challenges and Successes in STRs 00:11:08How to Explore New Markets 00:14:46West Virginia Investment Insights 00:21:03How to Use an Airbnb Calculator 00:25:43What to Focus on as an Investor 00:33:07Financing and Loan Strategies 00:38:31Property Details and Amenities 00:40:59Revenue and Refinancing 00:52:42Challenges with Contractors 00:58:15Real Estate Market Insights 01:02:21Future Plans and Advice 01:08:05How to Connect with Jeff Resources and Links Airbnb Calculator https://rabbu.com/ Connect with Jeff https://www.instagram.com/jeffchheuy/ https://www.youtube.com/@jeffchheuy https://teeco.co/who-we-are Need Help? BOOK A CALL: https://anviinvest.com/consulting/  Learn more about AnVi Invest

Property refinancing is a powerful real estate investing strategy. In this episode, Charles discusses how to maximize investment returns by using refinancing. Links Referenced in Episode: SS157: How to Prepare Your Property for Sale or Refinancing - https://youtu.be/XRfyaXTJ0b4 Connect with the Global Investors Show, Charles Carillo and Harborside Partners: ◾ Setup a FREE 30 Minute Strategy Call with Charles: http://ScheduleCharles.com ◾ Learn How To Invest In Real Estate: https://www.SyndicationSuperstars.com/  ◾ FREE Passive Investing Guide: http://www.HSPguide.com ◾ Join Our Weekly Email Newsletter: http://www.HSPsignup.com ◾ Passively Invest in Real Estate: http://www.InvestHSP.com ◾ Global Investors Web Page: http://GlobalInvestorsPodcast.com/

What's next for student loan borrowers in a world of shifting repayment plans and interest rates? Financial planner Sim Terwilliger, CFP®, CSLP®, joins us to break down the potential repeal of the SAVE plan and how it could reshape repayment strategies. We explore why PAYE or IBR might take center stage, when refinancing could make sense, and why it's always a case-by-case decision. If you're PSLF-eligible or unsure how these changes impact your financial future, this episode has the answers you need. Key moments: (01:51) PAYE might be the go-to repayment plan if SAVE is repealed (and we think it will be) (07:04) Refinancing your loans could make sense, but it isn't for everyone (16:08) The trade-offs of refinancing, including losing federal protections (22:30) Why refinancing is a no-go if you're PSLF-eligible Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Home renovations can substantially increase your equity and cash flow on a rental property, but when doing one, there are two key things you need to pay attention to: budgets and timelines. Today, rookie real estate investor Rene Hosman is back to teach you how to do both after just finishing a three-month, $36,000 rental renovation where she turned an outdated apartment into a cash-flowing condo! Rene was able to rehab the entire unit (two bedrooms, one bathroom) with a budget of around $30,000, and although she may have gone slightly over, her returns look nothing less than phenomenal. How did she do everything—new floors, electrical, bathroom, AND furnishings—with such a reasonable budget? If you're ready to renovate your home or rental property, take her tips. Rene goes through every aspect of the project: the good (renting it out right after finishing) and the bad (a BIG flood in the master bedroom), plus everything in between. She'll share what she chose to DIY, what was smarter to hire out, and how she paid for it all. We also get the final numbers of the renovation—what the property appraised for AND how much it's renting for now! In This Episode We Cover: How to stay on budget and on timeline when doing your next home renovation  Unexpected costs that led to thousands of more dollars in renovation expenses  Whether you should buy the materials or let your workers buy them instead (cost-saving tip!) Furnishing your rental property for cheap and where Rene finds low-cost, quality furniture  How to negotiate with your bank so you can get a LOWER interest rate when you refinance  How much cash flow Rene will make off of this small (but mighty) medium-term rental  And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPokckets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube BiggerPockets Forums $1,000,000/Year with 22 Rentals by Focusing on This Ultra-Profitable Niche w/Jesse Vasquez  Maximize Your Real Estate Investing with a Self-Directed IRA Join BiggerPockets Momentum 2025 to Supercharge Your Investing This Year Grab Your Copy of “The Book on Estimating Rehab Costs” Find Investor-Friendly Lenders How to Do Your FIRST House Flip in 2024: Budgets, Renovations, and Loans w/Rene Hosman Connect with Rene (00:00) Intro (01:07) Property Renovation Progress (03:35) How to Hit Your Renovation Timeline (06:56) Staying On-Budget (11:38) Unexpected Costs... (19:29) Building Your Renovation Budget (21:18) Paying for Materials and Rehab Expenses (30:42) Furnishing the Property (32:18) Refinancing and Rent Numbers (40:12) Connect with Rene! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-510 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

If you're in the market for a giant screen TV  this holiday season - Clark's got news to help you Save More.   Also - there is one thing that a business can do to make employees happier, and in turn give customers a better experience, and in turn - be more profitable.  Big Screen TVs: Segment 1 Ask Clark: Segment 2 Employer Enlightened Self-Interest: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Deals - TVs Are Online ESA Letters Legitimate? Even large corporations should consider employee ownership. Here's why Should I Refinance My Car Loan? 4 Questions To Ask Yourself Clark Howard's Simple Rule for Refinancing an Auto Loan How To Refinance a Car Loan: A Step-by-Step Guide Auto Loan Refinance Calculator - Clark Howard How To Open a Roth IRA Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices