Podcasts about rv

Kali of Making Sense of Cents talks about what to do when being frugal isn't enough. Episode 2322: When Being Frugal Isn't Enough by Kali with Making Sense of Cents on How To Make More Money Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2013/11/when-being-frugal-isnt-enough.html Visit Me Online at OLDPodcast.com Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

email us: isnhstpodcast@gmail.com Do We Want A 4th Baby, Religion, RV's, Homeschooling, and more of your questions --- Support this podcast: https://podcasters.spotify.com/pod/show/shouldnothavesaidthat/support

We talk to the Canvas MX and Lucid owner Michael Leib on the unique structure of his company, the future of MX gear, RV being involved, his own racing career, sponsoring pro racers and more.

(3:12) - Chris and Macon talk Matt's good deed, review the Killers of the Flower Moon trailer, why the NBA is boring and Big Ben's big reveal to Kenny Pickett (19:06) - Arthur Smith talks Bijan Robinson, Kyle Pitts, Drake London, Desmond Ridder, upgrading the defense with Jeff Okudah, Calais Campbell, Bud Dupree and the 2023 Falcons season outlook (1:03:04) - Dr. Fax talks some conspiracy theories and the upcoming GL trip to Philly in Chris' RV (1:09:58) - Green Light River Trip brought to you by Appomattox River Company (1:30:25) - Mailbag Have some interesting takes, some codebreaks or just want to talk to the Green Light Crew? We want to hear from you. Call into the Green Light Hotline and give us your hottest takes, your biggest gripes and general thoughts. Day and night, this hotline is open. Green Light Hotline: ‪(202) 991-0723‬ Send any Talent Search submissions to: social@chalkmedia.com Include any video of your talents, takes and bits as well as a little bit about yourself. Love hearing from the Green Light fans. Also, check out our paddling partners at paddleva.com to get your canoes, kayaks and paddleboards so you're set to hit the river this summer. Green Light Spotify Music: https://open.spotify.com/user/951jyryv2nu6l4iqz9p81him9?si=17c560d10ff04a9b   Spotify Layup Line: https://open.spotify.com/playlist/1olmCMKGMEyWwOKaT1Aah3?si=675d445ddb824c42   Green Light Tube YouTube Channel: https://www.youtube.com/c/GreenLightTube1   Green Light with Chris Long:   Subscribe and enjoy weekly content including podcasts, documentaries, live chats, celebrity interviews and more including hot news items, trending discussions from the NFL, MLB, NHL, NBA, NCAA are just a small part of what we will be sharing with you. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Tonya and Dustin Johnson, a couple on a journey of self-improvement, have transformed their lives through fitness, nutrition coaching, and a shared passion for growth. Over a decade ago, they faced personal challenges, but their commitment to becoming their best selves never wavered. They began their transformative journey by focusing on their marriage, bodies, and minds, starting with limited resources and workouts at home. Their dedication to progress, no matter how small, led them to explore nutrition and fitness, embarking on a path that would change their lives forever. In 2017, while Dustin traveled for work, they faced a defining moment that shifted their perspective. Instead of pursuing separate paths, they chose to build a life together, traveling the country and getting to know each other on a deeper level. Inspired by their own transformation, they launched a full-time online fitness program, and converted a short school bus into a custom RV to travel on the weekends. Their dedication led them to trade up for a full-size bus, creating an off-grid RV that became their mobile headquarters. Their journey hasn't been without its trials. Living and working together 24/7 in close quarters has required them to learn when to be a spouse, a coworker, and more. From initially being unable to stand each other, they have become inseparable, unable to imagine life apart. Tonya and Dustin's story is a testament to the power of perseverance, the importance of self-improvement, and the beauty of growing together. Through their podcast, coaching, and apparel, they inspire others to pursue their own greatest versions, reminding us that little changes, when accumulated, can lead to extraordinary transformations. What You'll Learn: How Tonya and Dustin worked together to grow individually. What it means to "burn the boat". How the pandemic impacted Tonya and Dustin's journey. And much more! Favorite Quote: “Being better than yesterday is a pretty easy task.” -Dustin Johnson How to Get Connected: Burn The Boats Apparel

Dr. Derek Williams at the age of 35 has decided to sell his practice and take his family on a yearlong RV adventure.  Today, he discusses the difficulty in making that decision, and what he leaned into to know that it was the right one. 

Should you buy an extended warranty for your RV? What are some of the things you should look for - and is it better to shop at the dealership or independently? Do you need a warranty to qualify for financing? We speak with the Vice President of Operations at Wholesale Warranties to see how that company works and the kinds of things you should look for. We also go back to Route 66 and stay at two landmark places and have a new essential that should be in every RVer's tool box. Plus our weekly maintenance tip is an easy inspection that could keep your RV from literally falling apart. You can find this week's podcast at our home on the web or wherever you enjoy getting podcasts: https://www.stresslesscamping.com/podcast/0203 The StressLess Camping podcast is a weekly RV podcast with information, tips and tricks to help every RVer and camper enjoy some StressLess Camping.

George Kamel answers your questions and discusses: "Does everyone need life insurance?" What to do after selling a business, Why you should stay away from the "gold bros", Selling a house to by a RV, Going back to school while paying off a mountain of debt Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

My guest this week is Susan Carpenter, the president and chair of the Women's RV Alliance, an organization that supports women who work or aspire to work in the RV industry. She share with us how this organization came to be, how she helped start it, why it's important and how we as women RVers and campers can support women who work in this male dominated industry. Find out more and join for free at https://rvwa.org/ Key Take-Aways: The mission of the RV Women's Alliance is to elevate, educate, and promote women in the RV industry through education, networking and community service. Membership is free and it's open to anyone who works or wants to work in any aspect of the RV industry. They hold a symposium every year in October in Chicago for networking and education. One way as consumers that we can support women in the RV industry is to support companies that elevate and promote women. So do your research before you make a purchase to see what ones rank high for diversity, equity and inclusion in their work places. Connect with Other Solo Women RVers Solo Women RV blog: Solo Women RV Facebook Group Solo Women RV Theme song is Fields Station by Nikole Potulsky --- Support this podcast: https://podcasters.spotify.com/pod/show/solowomenrv/support

Summer is right around the corner, and more sunshine means more temptation to get out of the RV and outside. In this episode, I (Kimberly Crossland) share with you five things to do NOW to stabilize your business for the summer, so you can lean into more time outdoors and seek adventure.  In the episode, I share a few links that you'll want to check out. Watch my free masterclass on how you can build a business while you RV here: Roadpreneur.com/money-rve Join some of my favorite email lists mentioned on the episode here: Reese's Book Club: https://sparklp.co/6efcd0c2/ The Home Edit: https://sparklp.co/75e4444c/  Be sure to JOIN the RVE community on Facebook: https://www.facebook.com/groups/therventrepreneurcommunity CONNECT with RVE on your favorite socials: https://therventrepreneur.com/connect Have a QUESTION? We'd love to hear from you - send us a voicemail by clicking here: https://therventrepreneur.com/voicemail Want to be a GUEST on the show? Fill out this guest form: https://therventrepreneur.com/guestform ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ The RV Entrepreneur: www.therventrepreneur.com The RV Entrepreneur is presented by RV LIFE - Tools that Make Camping Simple www.rvlife.com --- Send in a voice message: https://podcasters.spotify.com/pod/show/rve/message

Join Steven Jack Butala and Jill DeWit in episode 1,953 of the Land Academy Show, where they discuss adjusting purchase prices with sellers on the phone and the importance of deciding who to call back. They also share their experiences operating a land business while traveling and the freedom it offers. If you're interested in learning more, visit landacademy.com for a sneak peek into the Land Academy Discord community. Have a question or need assistance? Text them at (480) 530-7383, and they'll read and answer selected questions on upcoming podcast episodes. Steven Jack Butala: I'm Steven Jack Butala. Jill K DeWit: And I'm Jill DeWit. And this is the Land Academy Show. Steven Jack Butala: This is episode number 1,953, believe it or not, and today, we are talking about how to adjust the purchase price with the sellers right when you're on the phone with them and then a little later on we're going to talk about deciding who to call back. Sellers- Jill K DeWit: Sounds like the Jill Show. Steven Jack Butala: It is. This is the Jill Show today. Jill K DeWit: These topics came about this week from Career Path. Hey, by the way, in case you can't tell, we're back in town. Yay. We're back in Arizona right now, and it's so good because sometimes life's just easier. Some things are easier, especially during Career Path time. It's easier to be home. We put so much energy into that. We're really focused and it's so nice being at my own desk. Steven Jack Butala: It's a lot easier to pull off Land Academy with an internet connection. Jill K DeWit: There is that. But it's funny, I'm going to say it again on the record, is, doing my land business from the road, piece of cake. That's no problem. It's the Land Academy part and the video content and all that stuff that we're doing that that makes it easier with really good internet. So, I don't want to worry you and have you think that you can't just get in an RV and have a great land life. And I was thinking about that- Steven Jack Butala: Or both. Jill K DeWit: Well, hold on a moment. I want us talk about this for a second, please. You're moving me along. You've got somewhere to go? Steven Jack Butala: No. Jill K DeWit: Okay. So, I was thinking about this- Steven Jack Butala: Well, of course I do. Jill K DeWit: ...this morning, about just operating land business from the road at the volume of the deals that we do and the income that we make from the land company is so flipping easy to do on the road. I could do it anywhere. Especially now, where we have other people answering the phone. I'm only reviewing the deals a couple times a week. I sit down, do my deal review, and that's it. It's so nice. And then my team, I say, yes, no, find this out, don't like this price, whatever it is. And then, I go back to... This is after about 20 to 30 minutes, and then I go to you and go, "Okay, great. Let's go water-rafting now or let's get on our bikes now." We can do that. Steven Jack Butala: Yep. Jill K DeWit: So, I just want you to know what's possible, and you could do it too. Steven Jack Butala: We have people, and I don't- Jill K DeWit: I need to grab- Steven Jack Butala: ...like to brag like this or- Jill K DeWit: Can you carry me while I grab a Kleenex? Steven Jack Butala: Sure. Jill K DeWit: Okay. Steven Jack Butala: We have multiple people reporting that they are in a very healthy way leaving their jobs or their spouses are leaving their jobs, now more than ever, for some reason. And I'm not trying to sell anything here. It's a moment of triumph for Jill and I because I still remember the first time I- Well, the only time I left my job to do this full-time, and so does Jill. And when people are inspired by the fact that Jill and I are in some three month RV trip buying and selling land and it sparks them to send out more mail and ultimately quit their job or accomplish whatever it is that they're trying to accomplish by being an independent land investor,

It's Tuesday, May 16th, A.D. 2023. This is The Worldview in 5 Minutes heard at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson 6-year-old boy only one in family to survive Texas mall massacre Only one member of the Cho Family — a 6-year-old boy -- survived the Texas mall massacre last week in Allen Texas, reports ABC News. William Cho lost his parents and 3-year-old brother that day.  The Cho family was part of the Prestonwood Christian School and community in Plano, Texas.   Pastor Jack Graham commented on the Christian community helping out. GRAHAM: “This wonderful, sweet family, three of the four now in Heaven, one child left behind needs the ministry and the care of Christian people. Our entire community needs this as well. The church is made for a time like this. Christians are made for moments like these so that we can show the love of Christ and to be there for people.” Thus far, the Go Fund Me campaign for little William Cho has raised almost $1.9 million.  Psalm 68:5-6 tells us, “A father of the fatherless, a defender of widows, is God in His holy habitation.  God sets the solitary in families; He brings out those who are bound into prosperity.” Non-mortgage debt on the rise Consumer non-mortgage debt is on the rise in the U.S. It's now at $4.64 trillion, up from $2.7 trillion ten years ago. That's an appreciable increase in debt per Gross Domestic Product as well. Overall household debt now exceeds $25.5 trillion, according to numbers just released by the New York Fed.  Debt in America is 360% of Gross Domestic Product The overall debt in America has grown from 160% of the Gross Domestic Product – the sum total value of all goods and services -- in 1980 to 360% of the GDP today. The federal deficit for this fiscal year has already topped $1.1 trillion, and estimates for the 2023 and 2024 deficits hover around $1.8 trillion.   The average deficits between 2013 and 2018 were about $600 billion.   The average deficit under the Clinton administration was 1.6% of the GDP.  The average deficit under the George W. Bush administration was 3.3% of the GDP.  The average deficit under the Barack Obama administration was 4.9%.  The average deficit under the Trump administration was 7.4%.  And now, the average deficit under the Biden administration is estimated at 7.9%. American optimism declining Pew Research finds that American optimism has taken a dive in the last two years. Now, a full 58% of Americans believe that life was better 50 years ago in 1973. Just two years ago, only 43% of Americans claimed that.  Democrats tend to be more optimistic. Deuteronomy 28:43-45 reminds us that “the alien who is among you shall rise higher and higher above you, and you shall come down lower and lower. He shall lend to you, but you shall not lend to him; he shall be the head, and you shall be the tail.  Moreover, all these curses shall come upon you and pursue and overtake you, until you are destroyed, because you did not obey the voice of the Lord your God, to keep His commandments.” Trump makes exceptions on abortion An eye-opening interview with Donald Trump conducted by the Messenger over the weekend pressed in on the former president's views on abortion.   THE MESSENGER: "Abortion is a big issue you talked about in 2022 when you said that Republicans didn't really have the right message. They didn't know how to talk about the issue properly. So what's the right way for a Republican to talk about abortion in the 2024 elections?" TRUMP: “Well, pretty much what I said in the CNN town hall. ... First of all, I'm a believer in the exceptions, right? And just as Ronald Reagan was a believer in the exceptions, but I'm a believer in the exceptions … the life of the mother, raping and incest.  … The other thing I really believe is that the radicals are people that would have a baby destroyed, killed at the end of the ninth month or even after birth.” Later in the conversation, this was said. THE MESSENGER: "DeSantis signed a six-week abortion restriction in Florida. Do you think he was right to do that?" TRUMP: “Well, he has to do what he has to do. If you look at what DeSantis did, a lot of people don't even know if he knew what he was doing. But he signed six weeks, and many people within the pro-life movement feel that that was too harsh.” THE MESSENGER: "What do you think? Is it too harsh for you?" TRUMP: “I'm looking at all alternatives. I'm looking at many alternatives. But I was able to get us to the table by terminating Roe v. Wade. That's the most important thing that's ever happened for the pro-life movement.” The U.S. church gender gap The church gender gap in America is bigger than you may have thought. A recently released Study of Faith and relationships looked at 19,000 Sunday church attendees and found that there are 42% more never-married single women than never-married men in the pews today. The gender gap between single, divorced churchgoers is 77 percent women to 23 percent men. Overall, women make up 62 percent of all Sunday church attendees.  Here's another important takeaway from the study.   Faithful marriages matter. While less than half of young adults in the U.S. grew up in continuously married homes, a full 87% of young men still attending church grew up in continuously married homes. Canadian government looking to punish Christian on-line content The Canadian Radio-Television and Telecommunications Commission will now be regulating online content, according to the newly adopted Online Streaming Act, reports the CBC. It will have the power to impose financial penalties on anybody who violates parts of the act, which includes respecting diversity in sexual orientation and gender identity. The Canadian Radio-Television Commission already regulates Christian broadcasters, requiring them to dedicate broadcast time to promoting other religions.  No more COVID passports for incoming vistors to America Beginning last Friday, Canadians and other multinationals may enter the U.S. without proof of COVID-19 vaccination. The Biden administration dropped the requirement, following a vote of the US House of Representative to that order in February.   Japan dropped their requirements for COVID vaccines or testing on April 29th. And China and Brazil still require testing before entering their respective nations.  SpaceX launched another 56 satellites And finally, Elon Musk's SpaceX launched another 56 satellites over the weekend taking the total to over 4,400.   His Starlink internet system now has an estimated 1.5 million subscribers. The Royal Caribbean cruise line has implemented the system. The dish will run you $599, and the monthly cost will be $90-$120.   If you're an RV'er, and on the move, the month's rate jacks up to $150. That gets you 30 gigs a day. Close And that's The Worldview in 5 Minutes on this Tuesday, May 16th in the year of our Lord 2023. Subscribe by iTunes or email to our unique Christian newscast at www.TheWorldview.com. Or get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

This week the Legendary Brew Crew chop it up with entrepreneurs, Rachele Sanchez and Fame Neal the creators of Destination: Elevated, a travel company focused on curating events and reporting on safe spaces for LGBTQ and BIPOC communities. They talk about purchasing a RV and choosing to pursue a nomadic lifestyle, documenting their adventures as they travel across the country and their pet chicken. They also have a candid conversation about their experience on the road so far, a little cannabis education and so much more. This episode features beer from Magic Hat Brewing, Good Wording Brewing and FunkyTown Brewery. Grab a Brew and Join the Banter!

Problems are opportunities in disguise if you know how to solve them. Take Mark Koep as an example. He sold all his belongings and embarked on a year-long adventure, during which he discovered the challenges of locating campgrounds easily. Being an ambitious entrepreneur, he decided to solve this problem, giving birth to Campground Views — ultimate campground and RV park directory, trusted by tens of thousands of campers as their primary source for finding their next camping spot. How did Mark achieve such a remarkable feat, and what was the process like? In this episode, Mark Koep reveals the evolution of his brand over the past decade, transforming it into a multimillion-dollar enterprise.  You'll gain valuable insights and learn important lessons about the camping and RV industry, whether you're interested in starting your own venture or simply enjoy outdoor adventures. Listen now! Show highlights include: How being a dummy entrepreneur can turn your wildest dreams into realities. (2:06)  The sneaky professional way to have a product market fit for your brand/startup in order to avoid generational loss.  (4:56)  How to leapfrog your competitors using a consumer first approach. (7:08)  The wrong way to market RV parks, bad enough to get you unlimited nasty reviews that could hurt your business forever. (12:48) How campground views technology can increase your online booking by 244%. (14:43) A simple yet powerful advice for newbies wanting to make a fortune out of the Camping and RV industry. (17:40)

Greg McNair survived a brain stem stroke and messaged Dr. Baker the following day. He now travels full-time in his RV, spreading awareness about the benefits of the carnivore diet.  Timestamps: 00:00 Trailer 00:59 Introduction 03:37 Carnivore RV 06:48 Going on the carnivore diet 11:29 Is it possible to only eat meat? 16:00 Is the carnivore diet hard in an RV? 19:24 Pharma and conflicts of interest 22:49 Getting other people on the carnivore diet 27:04 Negative effects of the carnivore diet 29:18 Social situations on the carnivore diet 31:12 Eating steak 34:12 Traveling to Alaska on the carnivore diet 36:57 Diet, exercise, and sleep 41:09 Electrolytes 44:46 Standard of care falling short 50:26 How to be a carnivore See open positions at Revero: https://jobs.lever.co/Revero/ Join Carnivore Diet for a free 30 day trial: https://carnivore.diet/join/ Book a Carnivore Coach: https://carnivore.diet/book-a-coach/ Carnivore Shirts: https://merch.carnivore.diet Subscribe to our Newsletter: https://carnivore.diet/subscribe/ . ‪#revero #shawnbaker #Carnivorediet #MeatHeals #HealthCreation   #humanfood #AnimalBased #ZeroCarb #DietCoach  #FatAdapted #Carnivore #sugarfree  ‪

In today's Homeschooling Journeys, we are back on the road with RV schooler Michelle Oeltjen, a homeschooling mom of one. If you've got the itch to travel and want to get a window into the RV world this is the episode for you. (Bonus they will be transitioning to boat schooling in a few years.) Choose the Scenic Route - https://www.instagram.com/choose.the.scenic.route/ Consider Leaving Us A Review If you have a quick moment, please consider leaving a review on iTunes - https://podcasts.apple.com/us/podcast/homeschool-together-podcast/id1526685583 Show Notes Math With Confidence - https://kateshomeschoolmath.com/math-with-confidence-homeschool-math-curriculum/ Outschool - https://outschool.com/ Full Time Families - https://www.fulltimefamilies.com/ Epic - https://www.getepic.com/ ABC Mouse - https://www.abcmouse.com/abc/ Build Your Library - https://buildyourlibrary.com/ Torchlight - https://torchlightcurriculum.com/torchlight/ Minecraft - https://www.minecraft.net/en-us Gizmo Watch - https://www.verizon.com/connected-smartwatches/verizon-gizmowatch-2/ Charlotte Mason - https://en.wikipedia.org/wiki/Charlotte_Mason Choose the Scenic Route - https://www.instagram.com/choose.the.scenic.route/ Decisive Design - https://decisivedesign.com/ Connect with us Website: http://www.homeschool-together.com/ Store: https://gumroad.com/homeschooltogether Youtube: https://www.youtube.com/c/homeschooltogether Facebook: www.facebook.com/groups/homeschooltogetherpodcast/ Instagram: www.instagram.com/homeschooltogetherpodcast Twitter: https://twitter.com/hs_together The Gameschool Co-Op: https://www.facebook.com/groups/gameschoolcoop/ Email: homeschooltogetherpodcast@gmail.com

In this episode, we talk about overnighting at Walmarts and other businesses and try to get to the bottom of why it's such a controversial thing. We also cover all the guidelines that you should think about.    Plus, our top 4 tips for using Recreation.gov to plan the ultimate RV trip, our fresh tank/black tank picks, and why we want to be like Harrison Ford when we turn 80.    The Good Neighbor Policy: https://www.escapees.com/wp-content/uploads/2018/03/88gnpnd17.pdf   Become an RV Miles Mile Marker Supporter and join us for our May live ask us anything from Canada on June 6th. https://rvmiles.com/milemarkers   Facebook Group: https://www.facebook.com/groups/rvmilesgroup   Support our Sponsors: Find federal campsites all over the U.S. on recreation.gov Visit L.L. Bean to find your next great piece of gear: https://llbean.com Check out all Blue Ox has to offer at https://BlueOx.com Liquified RV Tank Treatment: https://amzn.to/403QFJL Get 15% off your first year of a Harvest Hosts membership with the code MILES at www.HarvestHosts.com Visit https://roadpass.com/pro and get $10 off a Roadpass membership with code RVMILES10X Download the Parkwolf app for Apple devices here: https://apps.apple.com/us/app/parkwolf-for-national-parks/id1596595516?utm_source=reddit&utm_medium=reddit-r3&utm_campaign=reddit-r3

Disruptors for GOOD is presented by: One Tree PlantedOne Tree Planted is a non-profit organization focused on global reforestation.If you are interested in being a part of global reforestation and would like to make a philanthropic donation or become a business partner, learn more here.---> Check out the Causeartist Partners here.---> Subscribe to the Causeartist Newsletter here.In episode 184 of the Disruptors for GOOD podcast, we speak with Ali and Eric Rasmussen, founders of Spacious Skies Campgrounds on becoming entrepreneurs, restoring campgrounds, and bringing nature escapes closer to cities. Ali and Eric Rasmussen are a dynamic duo currently leading a team of dedicated, creative, curious, and aligned individuals in the construction of an innovative outdoor hospitality platform and RV campground portfolio.Ali's background as a musician and composer has cultivated a deep sense of creativity and curiosity. Having worked in the of music marketing and publicity, Ali possesses organizational and managerial acumen crucial for overseeing complex projects. Additionally, her graduate education in business and management has equipped them with strategic thinking and problem-solving abilities that are instrumental in driving the success of their ventures.Eric's experience executing operations in luxury real estate development has honed his skills in managing intricate tasks. He understands the significance of fostering strong relationships and creating a sense of community, qualities that he strives to integrate into their outdoor hospitality platform. Furthermore, Eric's background complements Ali's expertise, creating a well-rounded leadership team.About Spacious SkiesNature has a way of captivating our hearts, awakening a sense of wonder and tranquility within us. It is in the great outdoors that we find solace and a much-needed break from the hustle and bustle of daily life. Spacious Skies Campgrounds, a collection of campgrounds and RV parks spread across the East Coast of America, offers the perfect opportunity to embrace the beauty of nature and create lasting memories with loved ones.An Abundance of Scenic Campgrounds - Spacious Skies Campgrounds boast a diverse array of campgrounds, each offering its unique charm and beauty. From lush forests to majestic mountains, serene lakes to rolling plains, there is a destination to suit every nature lover's preference. Whether you prefer a secluded spot or a bustling campground with amenities, Spacious Skies has you covered. Explore their website and discover the breathtaking landscapes that await you.A Haven for Outdoor Enthusiasts - For adventure seekers and outdoor enthusiasts, Spacious Skies Campgrounds are a dream come true. The vast expanses of nature surrounding the campgrounds provide a playground for a wide range of recreational activities. Hiking, fishing, boating, kayaking, wildlife spotting, and stargazing are just a few of the activities that await you. Whether you're a seasoned explorer or a novice adventurer, there is something for everyone to enjoy.Unwind and Reconnect - In today's fast-paced world, it's essential to take a step back, unwind, and reconnect with ourselves and our loved ones. Spacious Skies Campgrounds offer the perfect setting for quality time with family and friends. Roast marshmallows around a crackling campfire, share stories under the vast starlit sky, or simply take a leisurely stroll through nature's wonders. These campgrounds provide a tranquil atmosphere where you can escape the noise and distractions of everyday life and focus on what truly matters.RV Parks for the Nomadic Soul - For those who prefer to explore the great outdoors in the comfort of their RVs, Spacious Skies offers a range of RV parks with top-notch amenities. These parks provide spacious sites, full hookups, clean facilities, and convenient access to nature's bounty. Whether you're a full-time RVer or embarking on your first RV adventure, the RV parks at Spacious Skies Campgrounds offer a welcoming and well-equipped home away from home.Immerse Yourself in Nature's Beauty - The beauty of nature is ever-present at Spacious Skies Campgrounds. Wake up to breathtaking sunrises, breathe in the crisp, fresh air, and marvel at the vibrant colors of the surrounding flora and fauna. Capture Instagram-worthy moments as you witness nature's wonders unfold before your eyes. Whether it's the sound of a babbling brook or the sight of a soaring eagle, Spacious Skies Campgrounds allow you to immerse yourself fully in the splendor of the natural world. ---> Check out the Causeartist Partners here.---> Subscribe to the Causeartist Newsletter here.

New from Concert Cast, we present: Let's Go Festival - A rockumentary podcast that brings the music festival to you.Our series starts in Farmington, Maine at the Sandy River Music Festival.  Here, there are no frills, just a bunch of passionate people coming together to celebrate local musicians.Singer Jason Spooner puts it this way: “We've played a bunch of festivals where it's kind of a zoo. Big lines and port-a-potty masses and mud and the energy's just almost a little too frenetic. This is more my style, everybody's laid back and very respectful." The Sandy River Music Festival might just be one of the most Maine things out there. Fire pits to gather around, fresh mountain water to swim in, musicians to sway to. It's a festival that manages to be both eclectic and cozy, vast and very familiar.The VenueIt seems that many Maine musicians feel that they have to leave Maine to make it in the music scene. And Mainers often feel like they have to go to big cities to hear music magic. What makes the Sandy River Music Festival so special is that when you stand in the field behind the Narrow Gauges cinema, where it is located, this feeling disappears. You are exactly where you need to be. You can feel magic in the river and in the crowds of committed music lovers. Families near campfires, friends dancing, solo campers meeting new friends. You can come to the Sandy River Festival as you are.Lena, from the Maine band Golden Oak told me, “Every time I come home, I'm so impressed. I'm just like, What is happening in Farmington? When did you get so hip and cool and super cool?”The MusicAn amazing thing about the music here is that it doesn't feel exclusive. You can listen to bands reference each other in their set intros, grab a beer with them after they play or join in on impromptu fire pit jams.Many festival go-ers know the musicians too. Either indirectly, having grown up listening to them at shows or directly, as friends. And that's a special feeling no-one takes for granted.The Camping - GlampingThe festival is an overnight affair. You've got some options. You can rent beautiful bell tents that can fit up to six of your friends. Or you can bring an RV. The camping grounds are spacious and within walking distance to the very swimmable Sandy River.The Idea Man - Meet John the Owner“He goes into a quantum timescape. He's running so fast and so steady. It's just like a stargate opens up.” That's just one of the ways John, the organizer of this festival is described. I don't want to spoil anything, but if you're looking for the story of one man backed by a superhero team of technicians, planners, builders and wizards making magic happen – have a listen to this episode of Concert Cast.2023 Lineup of musical memories2023's lineup is Griffin Sherry from the Ghost of Paul Revere, The Wolff Sisters, King Kyote, the Adam Ezra Group, and so many more folks. You can buy your tickets here.Special thank you toFranklin Savings bank for sponsoring this episode. They believe in small businesses and like us, are committed to supporting our concert communities in Maine. Bank with ease at https://www.franklinsavings.bank/This episode is created and produced by Kyle Lamont of Good To Go StudiosTo hear more podcasts about concert culture go to Concert Cast.liveCo-writer and co producer: Zo Bailley Field producer: Camille Howard Editor & Engineer: Pete McGill

We all know that being outside is great but did you know science has proven this? We speak with Dr. Michelle Kondo from the USDA Forest Service who shares actual studies that prove that we should enjoy nature. You can hear the good news and more on this week's StressLess Camping RV podcast. We also have a new RV that you may have helped design along with a great way to check the roof of your RV without ever leaving the ground. You can find this week's podcast at our home on the web or wherever you enjoy getting podcasts: https://www.stresslesscamping.com/podcast/0202 The StressLess Camping podcast is a weekly RV podcast with information, tips and tricks to help every RVer and camper enjoy some StressLess Camping.

In this episode, Camille uses Artificial Intelligence to host and narrate her show. It is an experiment to see what is possible with AI as we go into the next series of using AI to start a business and make money.If you want to learn more about how to use AI (artificial intelligence) in your remote work journey visit: www.camilleattell.com/remoteworkschoolYou can also take my FREE training at:www.camilleattell.com/remote-training If you have suggestions for the show, you can contact Camille via Instagram: @camille.attell**DISCLAIMER: This podcast is not a substitute for professional consultation. For any retirement or income-related matters, it is best to work with a professional advisor.**Welcome to The Remote Work Retirement Show, the only show that is dedicated to remote work for semi-retirees, people leaving the workforce, and people working in retirement to help them have the peace of mind that they can live how they want without the fear of running out of money.Instagram: @camille.attellLinkedin: Camille Attell, MACheck out the Youtube channel: https://www.youtube.com/channel/UCaeS5wa0iAdD3C_cDLyj-PgRV Blog: www.morethanawheelin.comRemote Work Website: www.camilleattell.comEmail: hello@camilleattell.com Free Remote Work Training:If you're looking for more information about remote work, click here to register for the free "How To Get Remote Work To Have a Flexible Lifestyle" (Without Running Out of Money) or visit https://www.camilleattell.com/remote-trainingCamille Attell is the founder of Remote Work School, where she coaches and helps semi- and working retirees get remote work so they don't run out of money. In 2016 she walked away from a 20+ career in corporate training to live the life she always wanted—adventure and travel on her terms. She and her husband Bryce traveled full-time in their RV for four years while reinventing themselves professionally to work over twelve different remote jobs. Camille combines her corporate training experience, and her Master's degree in psychology, with being a long-time remote worker, to provide a well-rounded, no-nonsense approach to helping people in a career and life transition get the right remote work so they can live how they want.Disco Metropolis by Vyra | https://soundcloud.com/vyramusic Music promoted by https://www.free-stock-music.com Creative Commons Attribution 3.0 Unported License https://creativecommons.org/licenses/by/3.0/deedasdf

Kurt began his Real Estate investment journey with JFK Properties in 2018, after spending 8 years trading stocks, options, and forex, from 2009 through 2017. Throughout those years, he also went from a sales representative in 2004 to General Manager of Canada in 2015 of a publicly traded company. He is also raising two children who have been active in taekwondo and rep sports since 2013. Understanding "how" to create balance in life has been necessary since Kurt began working in 2004. Like most people, he struggled for years; unfortunately, he became a single father. It was at his lowest point when Kurt began dedicating time to self-development. Through this journey, he learned to be an active father, basketball coach, significant other, real estate investor, high-level director, poet and educator. He has also launched six businesses.. Kurt Warner is a real estate investor who has a great story to share and words of wisdom to impart for both beginning and veteran investors alike, so grab your pen and paper, buckle up and enjoy the ride. Want to get in contact with Kurt Warner? Reach out at https://linktr.ee/thrivenowcommunity. Want to become financially free through commercial real estate? Check out our eBook to learn how to jump start a cash flowing real estate portfolio here https://www.therealestateinvestingclub.com/real-estate-wealth-book  Enjoy the show? Subscribe to the channel for all our upcoming real estate investor interviews and episodes.  ************************************************************************  GET INVOLVED, CONNECTED & GROW YOUR REAL ESTATE BUSINESS  LEARN -- Want to learn the ins and outs of real estate investing? Check out our book at https://www.therealestateinvestingclub.com/real-estate-wealth-book  PARTNER -- Want to partner on a deal or connect in person? Email the host Gabe Petersen at gabe@therealestateinvestingclub.com or reach out on LinkedIn at https://www.linkedin.com/in/gabe-petersen/  WATCH -- Want to watch our YouTube channel? Click here: https://bit.ly/theREIshow  ************************************************************************   ABOUT THE REAL ESTATE INVESTING CLUB SHOW   Hear from successful real estate investors across every asset class on how they got started investing in real estate and then grew from their first deal to a portfolio of cash-flowing properties. We interview real estate pros from every asset class and learn what strategies they used to create generational wealth for themselves and their families. The REI Club is an interview-based real estate show that will teach you the fastest ways to start and grow your real estate investing career in today's market - from multifamily, to self-storage, to mobile home parks, to mix-use industrial, you'll hear it all! Join us as we delve into our guests career peaks and valleys and the best advice, greatest stories, and favorite tips they learned along the way. Want to create wealth for yourself using the vehicle of real estate? Getting mentorshipInterested in becoming a passive investor in one of our projects? Kaizen Properties, is looking for passive investors for our upcoming deals. We invest in what are known as “recession resistant assets”: self storage, MH & RV parks, and industrial properties. If you are interested, go to the website and click on the “Invest with Us” button at the bottom of the page.Support the show

Descubren los libros que GPT4 ha memorizado / Logic y Final Cut para iPad / El teletrabajo vacía San Francisco / Nuevas VanMoof más baratas / Vuelve a la Tierra la astronave secreta china Patrocinador: Vuelven los mejores amigos de tu descanso, porque en Morfeo.com mantienen unos días más las rebajas del Día de la Madre, con cientos de euros de descuento en sus mejores productos. Recuerda que el envío es gratuito y en 24 horas, y tienes 100 días de prueba sin compromiso. — No voy a parar hasta que todos los lectores de mixx.io tengáis uno. Descubren los libros que GPT4 ha memorizado / Logic y Final Cut para iPad / El teletrabajo vacía San Francisco / Nuevas VanMoof más baratas / Vuelve a la Tierra la astronave secreta china

Had the honor to chat with Ryan Brady from Alliance RV. We talk about how Alliance RV got started. Why Elkhart County is it RV capital as so much more. Please enjoy our conversation.  Check them out on facebook @AllianceRVs or on their website - AllianceRV.com   You can find me on youtube  @timonspodcast  Email me timonspodcast@gmail.com Follow on twitter - @timonspodcast

After a brief review of a further comment by Stephen Wolfe -that I missed on the last show-, we went back to Ephesians 1 after listening to a monologue by Leighton Flowers seeking to establish synergism by...assuming it- Brought Accordance in once again and dove into the text. Had one little interruption -the kind lady who runs the RV park, well, needed payment-- but other than that everything went smoothly from the new studio- Rich also announced how the auction for the Jeffrey Rice rebind will be run -after he found the Bible that is--. We may be able to sneak a program in on Friday, hopefully-

A bag with Bob Marley on it — and over $400,000 in it — was seized at Philadelphia International Airport. Some experts say that the best way to keep juvenile crime down is by creating in-school youth courts run by students. The state's RV industry is still going strong, even after the pandemic. Also, this college student is sneaking his way into success.

What's it like being a fulltime RV couple? This week on the podcast, we learn what it's been like spending 1,000 days on the road from a couple that did just that and plans to spend many more enjoying the RV Lifestyle. If you've been contemplating the fulltime RV Life, you won't want to miss our interview of the week. Also, in this Episode 446 of the RV Podcast, we share the RV News of the Week, Tips about your RV refrigerator, the latest RV social media buzz, and answers to your questions about the RV Lifestyle. You can watch the podcast, or listen right here!

Senate Eskridge and his wife are both serial entrepreneurs; Cari and Senate founded The Idaho Business Summit and Senate is an active multi-family real estate investor. He is also a Student Success Coach for Jake and Gino's Wheelbarrow Profits Academy; a multi-family investing coaching program. Senate has worked within several industries in the Magic Valley area including owning his own financial firm. His vast experience made him a perfect fit for multi-family real estate investing. Currently he owns 513 units across the country (and counting) and has helped nearly 100 people from all walks of life invest in multi-family real estate.. Senate Eskridge is a real estate investor who has a great story to share and words of wisdom to impart for both beginning and veteran investors alike, so grab your pen and paper, buckle up and enjoy the ride. Want to get in contact with Senate Eskridge? Reach out at www.senateeskridge.com.Want to become financially free through commercial real estate? Check out our eBook to learn how to jump start a cash flowing real estate portfolio here https://www.therealestateinvestingclub.com/real-estate-wealth-book  Enjoy the show? Subscribe to the channel for all our upcoming real estate investor interviews and episodes.  ************************************************************************  GET INVOLVED, CONNECTED & GROW YOUR REAL ESTATE BUSINESS  LEARN -- Want to learn the ins and outs of real estate investing? Check out our book at https://www.therealestateinvestingclub.com/real-estate-wealth-book  PARTNER -- Want to partner on a deal or connect in person? Email the host Gabe Petersen at gabe@therealestateinvestingclub.com or reach out on LinkedIn at https://www.linkedin.com/in/gabe-petersen/  WATCH -- Want to watch our YouTube channel? Click here: https://bit.ly/theREIshow  ************************************************************************   ABOUT THE REAL ESTATE INVESTING CLUB SHOW   Hear from successful real estate investors across every asset class on how they got started investing in real estate and then grew from their first deal to a portfolio of cash-flowing properties. We interview real estate pros from every asset class and learn what strategies they used to create generational wealth for themselves and their families. The REI Club is an interview-based real estate show that will teach you the fastest ways to start and grow your real estate investing career in today's market - from multifamily, to self-storage, to mobile home parks, to mix-use industrial, you'll hear it all! Join us as we delve into our guests career peaks and valleys and the best advice, greatest stories, and favorite tips they learned along the way. Want to create wealth for yourself using the vehicle of real estate? Getting mentorship is the fastest way to success. Get an REI mentor and check out our REI course at https://www.therealestateinvestingclub.com.  #realestateinvesting #passiveincome #realestate  Interested in becoming a passive investor in one of our projects? Kaizen Properties, is looking for passive investors for our upcoming deals. We invest in what are known as “recession resistant assets”: self storage, MH & RV parks, and industrial properties. If you are interested, go to the website and click on the “Invest with Us” button at the bottom of the page.Support the show

To access a FREE collection of resources, go to www.TheMaverickVault.com Discover promising investment opportunities with tips from today's guest, Gabe Petersen. Get his firsthand insights about seller financing, choosing the best property deals, and the power of perseverance in real estate investing. If you're interested in REI, listen to today's conversation!   Key Takeaways From This Episode Seller financing: What it is, its benefits, and how it differs from traditional banking  What makes a good property deal? The power of grit in helping you reach your investing goals Ways to effectively communicate with investors and property managers  Key things to consider when choosing self-storage deals  Benefits of learning from seasoned property investment partners   References/Links Mentioned DirectMail.com Atlas Shrugged by Ayn Rand | Mass Market Paperback, Hardcover, and Kindle Meditations by Marcus Aurelius | Paperback, Hardcover, and Kindle   About Gabe Petersen Gabe Petersen is a commercial real estate investor focusing on self-storage facilities and mobile home parks and a podcast host at The Real Estate Investing Club.  Gabe's career was not always linear, though - after working in the corporate world as a management consultant for nearly a decade, Gabe knew he needed to make a change. His first business was in eCommerce, where he learned the basics of digital marketing and the online world. From there, he started his own freelance marketing agency, which eventually led him to the world of real estate. Since going all-in on real estate, Gabe has flipped single-family and multifamily properties, wholesaled houses, and grown a portfolio of mobile home / RV parks and self-storage facilities.  Gabe eventually decided to bring his passion for real estate investing and generally living a good life to the world of podcasting, starting a real estate investing podcast in The Real Estate Investing Club.   Connect with Gabe  Website: The Real Estate Investing Club Podcast: The Real Estate Investing Club | Apple and Spotify  Email: gabe@therealestateinvestingclub.com   Are you a passive real estate investor seeking financial freedom? Almost daily, new headlines break on the latest financial market upset. Now is the time to get educated on how to strategically invest in commercial real estate for long-term financial freedom. Grab your copy of “How to Passively Invest in a Changing Economic Environment” Go to…www.MavericksInvest.com  Want to keep up to date on the commercial real estate market, trends, investing tips and know what Neil is buying right now? Connect with him at Legacy Impact Investors and be sure to register for his newsletter.  Connect with Neil Timmins on LinkedIn. If there is a topic you want to know more about or a guest that you would like to see on the show, shoot Neil a message on LinkedIn.  Are you an Active Investor looking to do more commercial and residential deals? Maverick Lead Machine   About Neil Timmins Having completed hundreds of Fix & Flips, Wholesales, Wholetails, Novations, and Owner-Financed deals, Neil longed to quit forfeiting time for dollars. After building a portfolio of single-family rentals to produce passive income, he found the strategy to be anything but passive. Neil didn't go looking for his first commercial deal—he stumbled into it. Since then, he has refined the process of analyzing and buying commercial properties that produce stellar cash flow.  Neil has been involved in over $300,000,000 in real estate transactions. While his holdings in commercial assets include apartments, offices, mobile home parks, and self-storage units, his passion is industrial property. Neil now has verticals in residential real estate, multiple commercial asset classes, brokerage, publishing, and a successful podcast.    Click here to see video of the podcast. 

Joining us on the podcast is Patti's twin sister, who shares her own perspective on this unconventional lifestyle choice. In this podcast, we explore the pros and cons of this lifestyle choice, including the financial benefits and the challenges of downsizing and adjusting to life on the road. One of the biggest factors in this decision is the strength of your relationships. We dive into how important it is to have strong connections with your spouse, partner or significant other before living a nomadic lifestyle. We also discuss the importance of communication, trust, and compromise when making this major life change. So, join us for a fun and thought-provoking conversation about the pros and cons of selling your house to live in an RV, and the importance of having a sturdy relationship when embarking on the unique dynamic of traveling and living in close quarters with someone.  Check out our website here: https://rockingthervlife.com/ For more RVing stories and tips, follow Rocking the RV Life on Apple Podcasts or wherever you listen to podcasts. Listeners can also access the podcast via Spotify, iHeart, and Apple Podcasts, and cleveland.com's podcasting page. Follow us as we are Rocking the RV Life on Instagram. Also, Jeff Kinzbach on Instagram & Facebook. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we continue up the coast of California to Bodega Bay, a coastal town near Santa Rosa. We share some tips for booking campsites on Recreation.gov, and Abby tells the tale of the worst laundromat we've ever been to.  Become an RV Miles Mile Marker Supporter and join us for our May live ask us anything on May 1st. https://rvmiles.com/milemarkers Facebook Group: https://www.facebook.com/groups/rvmilesgroup Support our Sponsors: Find federal campsites all over the U.S. on recreation.gov Visit L.L. Bean to find your next great piece of gear: https://llbean.com Check out all Blue Ox has to offer at https://BlueOx.com Liquified RV Tank Treatment: https://amzn.to/403QFJL Get 30% off an RV mattress from RVmattress.com by Brooklyn Bedding before the end of April at www.rvmattress.com/rvmiles. After May 1, you can use the code RVMILES for 25% off.  Visit https://roadpass.com/pro and get $10 off a Roadpass membership with code RVMILES10X Download the Parkwolf app for Apple devices here: https://apps.apple.com/us/app/parkwolf-for-national-parks/id1596595516?utm_source=reddit&utm_medium=reddit-r3&utm_campaign=reddit-r3    

Fey talks about building garden beds for Mr Anderson as one of Fey's Summer of Projects. Some summer tire swap talk and installing batteries in the RV. We hear more about Fey's European Vacation including a traditional London flat lift. Meeting the bus passengers on Day 1 of our Bus Tour: The Queen of Sheba and Colleen, The Singapore Sisters and their cash purse, and the Seat Hoggers.

It is Cinco De Mayo. The Nuggets take on the Suns tonight in game 3 of the Western Conference Semi Finals. There is an RV on highway 285 that is destroyed being shown on the news. Jamie says thats what BJs RV would look like. Today is Cinco De Golfo for Jamie! She is playing in a scramble tournament. BJ says she is the worst golf partner of all time. Ed Sheeran won his court case over the song "Thinking Out Loud". Kid Laroi did a dine and dash! King Charles has his coronation tomorrow and someone snuck out onto the lawn and mowed a giant weiner in the grass where it is going to be held. The Cinco De Mayo festival happening tomorrow sounds super fun! Lizzo canceled one of the stops on her tour because she is sick. She put out a social media video apologizing to her fans, but it sounds just like when BJ “accidentally” hurt his back. Jamie needs a golf outfit for her tournament today.

When a family curse follows Hayes all the way to Kentucky, his son's need for approval sends them spelunking in search of an ancient relic. But when John's mind starts playing tricks on him in and out of the cave, his quest to destroy the relic turns into the ultimate sacrifice of the story. How was Shatner paid for this film? What's the deal with that shitty RV? Why didn't Indiana Jones have a family? It's the episode that was meant for The Flop House!Support the production of Greatest TrekSpring Break episodes coming up:Cheers S4E24-26 Strange Bedfellows - Available on Hulu in the USBar Rescue S4E24 Brokedown Palace - Available on Paramount+ in the USLaw & Order SVU S10E5 Retro - Available on Hulu in the USTales from the Crypt S2E11 Judy, You're Not Yourself Today - Available on YouTube in the USHell On Wheels S1E1 Pilot - Available on AMC+ or free with ads on Roku in the US Music by Adam RaguseaFollow Greatest Trek on Twitter, and discuss the show using the hashtag #GreatestTrek!Greatest Trek on Twitch | Facebook group | Subreddit | Discord | WikiSign up for our mailing list!Get a thing at podshop.biz!

This will be a 7-part series where I'll be asking them about their lives as Dads and we'll talk about what their experiences have been like so far in our amazing group of family men with businesses, not businessmen with families. I hope you'll check out these conversations with some badass members of our community each week. And don't be afraid to share these episodes with your friends and let us know your thoughts along the way! For anyone that isn't already a Front Row Dads member, you can sign up right here: Join The Brotherhood! Here's what you need to know about today's guest, Ben Golden. I'm married to my beautiful wife, Lauren. We have one daughter, Annabelle, who is about a year and a half old and goes by "la princessa" at daycare. She's already working her cuteness on people.  I've spent 15+ years in the energy software space, mainly around energy trading and risk management applications.  From managing sales teams, to global project implementation teams, and customer success organizations I've been on the people facing side my entire career.   One of  my passions is finding that right combination of people and technology and seeing how it can change people's perspectives, engagement, and even lives. The power of an engaged and enabled team is something I am constantly in awe of.   My wife and I have always been working on side projects..  We recently sold our home services business this last summer and are now going head first into real estate.  Specifically, storage facilities under the guidance of Mike Wagner, another FRD legend.   If that wasn't enough, we are in the middle of selling our home in Houston and heading into an RV while we look for a house or property on the Dripping Springs side of Austin.  Wish us luck!  Want to learn more about Front Row Dads? We are in the business of building better families. While most dads would say that family matters most, the challenge is they feel guilty knowing their careers get the best of them, and their family seems to get the rest of them. We help Dads become family men with businesses, not businessmen who have families, so they can thrive personally AND professionally. Subscribe to the Front Row Dad podcast to learn about fatherhood, marriage and how to level up your game at home, or if you're ready for the best coaching and true brothers to grow with, Join The Brotherhood! Are you getting all the shows? Subscribe today! Want to leave a review? THANK YOU! http://FrontRowDads.com/review

Jorge Contreras, a Real Estate Investor & Airbnb Coach is passionate about helping people create time, financial and location freedom with Airbnb and Real Estate Investing. He retired at age 29, became a millionaire by 30, and now earns 7 Figures with his Airbnb Business.. Jorge Contreras is a real estate investor who has a great story to share and words of wisdom to impart for both beginning and veteran investors alike, so grab your pen and paper, buckle up and enjoy the ride. Want to get in contact with Jorge Contreras? Reach out at https://thejorgecontreras.com/.Want to become financially free through commercial real estate? Check out our eBook to learn how to jump start a cash flowing real estate portfolio here https://www.therealestateinvestingclub.com/real-estate-wealth-book  Enjoy the show? Subscribe to the channel for all our upcoming real estate investor interviews and episodes.  ************************************************************************  GET INVOLVED, CONNECTED & GROW YOUR REAL ESTATE BUSINESS  LEARN -- Want to learn the ins and outs of real estate investing? Check out our book at https://www.therealestateinvestingclub.com/real-estate-wealth-book  PARTNER -- Want to partner on a deal or connect in person? Email the host Gabe Petersen at gabe@therealestateinvestingclub.com or reach out on LinkedIn at https://www.linkedin.com/in/gabe-petersen/  WATCH -- Want to watch our YouTube channel? Click here: https://bit.ly/theREIshow  ************************************************************************   ABOUT THE REAL ESTATE INVESTING CLUB SHOW   Hear from successful real estate investors across every asset class on how they got started investing in real estate and then grew from their first deal to a portfolio of cash-flowing properties. We interview real estate pros from every asset class and learn what strategies they used to create generational wealth for themselves and their families. The REI Club is an interview-based real estate show that will teach you the fastest ways to start and grow your real estate investing career in today's market - from multifamily, to self-storage, to mobile home parks, to mix-use industrial, you'll hear it all! Join us as we delve into our guests career peaks and valleys and the best advice, greatest stories, and favorite tips they learned along the way. Want to create wealth for yourself using the vehicle of real estate? Getting mentorship is the fastest way to success. Get an REI mentor and check out our REI course at https://www.therealestateinvestingclub.com.  #realestateinvesting #passiveincome #realestate    Interested in becoming a passive investor in one of our projects? Kaizen Properties, is looking for passive investors for our upcoming deals. We invest in what are known as “recession resistant assets”: self storage, MH & RV parks, and industrial properties. If you are interested, go to the website and click on the “Invest with Us” button at the bottom of the page.Support the show

Hour 1 - It is Cinco De Mayo. The Nuggets take on the Suns tonight in game 3 of the Western Conference Semi Finals. There is an RV on highway 285 that is completely destroyed being shown on the news. Jamie says thats what BJs RV would look like. 

Does keeping a tidy home feel like an uphill battle? Today on the podcast, Lisa Lizotte from the Habits and Home Show shares the one life-changing habit that will transform your home management and keep your home clutter-free. Lisa is a wife, mom of three and cheerleader for anyone wanting to simplify their life so that they can enjoy it more. Lisa first tried living as a minimalist but no matter how few possessions she owned, she still struggled to keep up with it all. Then she discovered the solution to the chaos was  to simplify and systemize her home to support life-changing habits. Through this process, she's been able to keep up with daily home management and be more mental present with her family. Lisa also shares what it was like to live with her family in an RV the was only 300 square feet, and how she is forever grateful for that experience.   Resources Mentioned: Lisa's website and her podcast, the Habits and Home Show Lisa's free resource, the Daily Reset Checklist My interview on Lisa's show Have a question about decluttering, simplifying, systems, or anything else we talk about on the podcast? You can now leave me a voice message here. Scroll to the bottom and look for the microphone and the bottom that says START RECORDING. Who knows, your question may be answered on an upcoming episode! *** I help moms declutter their homes, heads, and hearts. Podcast -＞ www.simplebyemmy.com/podcast Learn -＞ www.simplebyemmy.com/resources  Connect -＞ Join our free Facebook group Decluttering Tips and Support for Overwhelmed Moms Instagram -＞ @simplebyemmy and @momsovercomingoverwhelm   *** Don't Know Where to Start? *** 5 Steps to Overcome Overwhelm -＞ https://simplebyemmy.com/5steps/ 5 Mindset Shifts for Decluttering -＞ https://simplebyemmy.com/mindset/   Wanna work with me to kick overwhelm to the curb, mama? There are three options for you! Step 1: Join a supportive community of moms plus decluttering challenges to keep you on track at the free Facebook group Decluttering Tips and Support for Overwhelmed Moms Step 2: Grab a free 10-minute discovery call at https://calendly.com/simplebyemmy/discovery Step 3: Get more personalized support with one-on-one coaching! www.simplebyemmy.com/coaching

Today we have the pleasure of talking with Malcolm Salmon from RVezy. Malcolm is an entrepreneur who dove into the world of RVing coming out of University. He has helped develop and build an app that allows RV owners to connect with RV renters and families looking to get into RVing. Malcolm is passionate about sharing what we have built with others so they can enjoy everything about RVing! Website: www.rvezy.com Instagram: https://www.instagram.com/myrvezy/ Facebook: https://www.facebook.com/RVezy ~~~~~~~~~~~~~~~~~~~~~~~~
 Be sure to join the RVE community on Facebook: therventrepreneur.com/facebookgroup Connect with RVE on your favorite socials: therventrepreneur.com/connect Want to be a guest on the show? Fill out this guest form: therventrepreneur.com/guestform ~~~~~~~~~~~~ The RV Entrepreneur: www.therventrepreneur.com The RV Entrepreneur is presented by RV LIFE - Tools that Make Camping Simple www.rvlife.com --- Send in a voice message: https://podcasters.spotify.com/pod/show/rve/message

With California's impending generator ban what can you do if you still need clean, safe power for your RV? This week our RV podcast guest is Jonathan Schloo who has invented a gadget that lets you tap into your vehicle to provide power for your RV or even devices in your home. This is a unique solution that really makes sense and we have the fully story. This is also a great resource if, like us, you have a solar and lithium system in your RV but want to have a back-up for cloudy days or shady campsites. You can find this week's podcast at our home on the web or wherever you enjoy getting podcasts: https://www.stresslesscamping.com/podcast/0201 The StressLess Camping podcast is a weekly RV podcast with information, tips and tricks to help every RVer and camper enjoy some StressLess Camping.

Welcome to the Fore Golfers Network Podcast Ep 370 - The RGV Golf Tour - Koenig Is Still Rolling Along To say Patrick Koenig is highly motivated an invested in golf is a dramatic understatement. It takes a special level of dedication  plan a 500-course golf trip in the course of a year, but that's what he's doing on the RGV (Recreational Golf Vehicle) road trip. Hop in the passenger seat as we discuss the reason for the journey and the stories that come with a trip unlike any other.   More info: http://www.pjkoenig.com/rgv-tour-20 Donate: https://rgvtour.samcart.com/products/first-tee-donation/ ---------------- Subscribe to the FGN Podcast Watch FGN videos on YouTube Check out our other sports pod: Church Pew Sports TEXT or CALL (989) 787-0193 to share your thoughts, comments, suggestions, and questions      

Hello everyone! Welcome to The ITfactor Show! From buying a failing RV business to becoming a top performing executive at many different organizations and now a sought-after speaker, Jason Haugen is the epitome of success! Jason is a devoted husband, father to his beautiful daughter Remi, serial entrepreneur and public speaker. After losing everything in 2018, he decided he needed to make a change and work for himself. Following some failed business ventures he landed on his biggest entrepreneur success in 2019 - becoming the founder and CEO of “ Haugen RV Group”, a company he built from 1 dealership in 6 figure debt to $100 million dollar multi-dealership operation. He has worked tirelessly to withhold a positive work environment for his employees and believes this is his key to any successful company. His podcast, Culture Camp has hosted prominent business owners, athletes, and well-known personalities, each sharing their secrets to creating a business culture that helps you thrive. Jason has seen both failure and success, but it is his leadership style and commitment to servant leadership that really stands out. He leads his team with empathy and understanding, empowering them to work together to achieve great things. He also shared some valuable insights on network marketing and how it can be used to fuel personal growth and success. All of this combined, makes his story an inspiring one that we can all learn from. Let's dive in! In this episode, you will learn: How Jason grew a failing RV business from zero to millions How to build your company's culture into the DNA of your team Jason's near death experience that led him to find his deeper purpose Owning who you really are, not what others expect you to be Every situation is either a blessing or a lesson (sometimes both) Ways network marketing can help you grow as a person System-based business vs superstar-based business The Servant Leader's Mindset Family always comes first - a busy dad's guide to balancing family and business How Jason grows his faith Becoming better by embracing your flaws Links and Resources Register now to Rogue World - Entrepreneur Speaking Conference | https://www.rogueworldmusic.org/events  Listen to the Culture Camp Podcast on Apple Podcast |  https://podcasts.apple.com/dk/podcast/culture-camp/id1635086407  Listen to the Culture Camp Podcast on Spotify | https://open.spotify.com/show/7t2Zk6MSeRxjt06JORpPq2  Instagram - @culturecamppod | https://www.instagram.com/culturecamppod/  Connect with Jason On Website | https://www.iamjasonhaugen.com On Instagram | https://www.instagram.com/jasonhaugen On Facebook | https://www.facebook.com/culturecamppod  On LinkedIn | https://www.linkedin.com/in/jason-haugen-794689239  Connect with Emily On Website | https://www.itsemily.com On Instagram | https://www.instagram.com/itsemily On Facebook | https://www.facebook.com/itsemilymethod On Twitter | https://www.twitter.com/itsemilyford On YouTube | https://www.youtube.com/c/ITSEMILYFORD  

In this episode of the Land Academy Show, hosts Steven Jack Butala and Jill K DeWit are on the road in Boulder, Colorado, discussing how to build a 10,000 unit mailer and how to build due diligence confidence, which are hot topics for their Career Path members. They also talk about how they are able to run their land business from their RV, but have to find office spaces to run their podcast, and Career Path live video sessions. Steven and Jill suggest renting independent office spaces or hotel conference rooms, and mention that there are office shares in almost all tiny towns all over the place. They then answer questions from their Land Academy Discord forum and review land acquisitions from their weekly Thursday member webinar, before taking a deep dive into two land related topics by popular requests. Transcript: Steven Jack Butala: I'm Steven Jack Butala. Jill K DeWit: And I'm Jill DeWit. And this is the Land Academy Show. Steven Jack Butala: This is episode 1,951 and today, we're going to talk about how I build, how Jack builds, a 10,000 unit mailer. And we're going to talk also about building due diligence confidence. These are two topics that came from... Jill K DeWit: Career Path. Steven Jack Butala: Career Path. Jill K DeWit: Yep. Steven Jack Butala: We're mid-session in Career Path Number Six, and these are hot topics, both of them, for... Jill K DeWit: Totally. Steven Jack Butala: ... During the office hours for Career Path members. Jill K DeWit: Exactly. So I want to just make a note too, for those of you who are watching us, we are on the road. I would show you our beautiful background, but with the light outside, it's actually a bright Colorado day right now. So you wouldn't really see it. But my view is beautiful. So we happen to be Downtown Boulder, looking out over the mountains on the front range and it couldn't be more pretty. Steven Jack Butala: It's right out of a postcard, the whole thing. And Jill and I are having an absolute blast. Jill K DeWit: Yep. So for those of you who are tuning in and listening and you're here because, "I want to do it from the road too," sometimes you have to do this kind of a stuff. So I've talked about it before. Running our own Land business from an RV is totally a piece of cake. I can do it with my laptop, I can do stuff on my phone, I can do things on my tablet. No big deal, running a Land business. Now, running Land Academy and a podcast and all the- Steven Jack Butala: And Officer Owners and Parcel Facts. Jill K DeWit: ... And doing Career Path with the video live stuff we have to do, that's a whole different ballgame. So for those things, we find these office space environments and it's great, because you could rent it for a couple hours, rent it for a day, whatever you need. I just want you to know all your options. Steven Jack Butala: It turns out there's an office share in almost all tiny little towns all over the place. I'm shocked at how many... Not the chains. Not the WeWorks. Jill K DeWit: Yeah. Steven Jack Butala: There's all kinds of independent little offices. You can rent a room. Jill K DeWit: It doesn't have to be a hotel conference room. Steven Jack Butala: Yeah. Jill K DeWit: We've done that. Steven Jack Butala: They have that too. Jill K DeWit: We've done that. So yeah. Now I'm like, "Oh." And here's the reason why, because we don't want to go home. We picked up a new rig. Well, we did the podcast... Did we do the podcast from the rig last week? I think we did. Steven Jack Butala: Yeah. Jill K DeWit: Yeah, yeah, yeah. Okay. That's right. You saw the podcast from the rig last week. So we were going to head home after that, right? And then Jack very nicely says, "I don't need to go home. Do you need to go home?" I go, "I kind of need to go home." So I'm having contacts shipped to me here. That's the only thing I'm running out of that I can't get. But other than that, we'll just see how it goes.

From the age of 17-24 Mark was a junkie. In and out of rehabs, jails and prisons he had a mindset shift while on Lock Up for an attempted escape from a county jail. A few years later, when he got out of prison, he put together a life beyond his wildest dreams. In 2020 he had over 100 rental units until he began downsizing and is now 95% retired and looking for some new hobbies. He spends his time travelling in his RV, scuba diving, flying planes and going to the highest points of all 50 states. (8 to go) Get in touch with Mark:  www.markowens.com

In this episode of Tuna On Toast, Stryker catches up with 311 frontman Nick Hexum. Nick looks back at his band's early days, moving from Omaha to LA, why radio stations were initially hesitant to play 311, and how opening for Fugazi and Oingo Boingo impacted his career. Nick also recalls working with NBA superstar Shaquille O'Neal on the music video for "You Wouldn't Believe" -- and why Shaq threatened to sue the band! 311 has released 13 albums in their career spanning over 30 years, and Nick reveals that NEW MUSIC is on the way! He also details a scary RV fire in the band's early days that could have cost them their lives! Hear these stories and more on this episode of Tuna on Toast, then subscribe to the show and follow us  @TedStryker and @tunaontoast

Have you ever thought about selling it all and traveling the country? On this episode of the Thriving Farmer Podcast, we are hosting Jon and Bre Taylor, a pair of digital nomads who are traveling the country in search of their future farm. They, along with their three kids, have visited many national parks and historical sites as they “roadschool” their children. However, their main goal has been to visit farms, attend hands-on homesteading conferences and ultimately search for the place they'll call home. Tune in to hear about their journey from suburbia to full-time RV life and how their farm search has changed as a result of visiting various farms around the country.  In this episode, you'll hear… How Jon and Bre started their “digital nomad” life 2:31 Details about where they plan to start their farm 12:48 About what kind of animals they hope to get for their farm 18:25 What was the most surprising thing they discovered on their farm tours 23:18 More on their feelings about the various historical sites they visited along the way 31:11 About some of the homesteading festivals they've attended 33:45 Their goals for their future homestead 35:02 About their experiences with Harvest Hosts 36:20 Their advice for people looking to start on a similar journey 38:45 Places mentioned in the show: The Farm at Mount Vernon  Frontier Culture Museum in Virginia Whippoorwill Farm in South Carolina About the Guest: Jon and Bre Taylor have been traveling the country with their three kids in a 44' 5th wheel camper for over two years. Jon works remotely as an IT Director while Bre works for Growing Farmers and "roadschools" their kids (a.k.a homeschooling on the road). They learn about history and geography as they travel to many national parks and sites but their main goal has been to determine where they ultimately want to live and start their own homestead. As they travel, they go on farm tours and attend hands-on homesteading conferences to learn more about what kind of small farm they will eventually have. They share about these travels on their Instagram. Resources: Instagram: http://instagram.com/letsliveupstream The Thriving Farmer Podcast Team would like to thank our amazing sponsor!   Real Organic Project is a farmer-led movement that provides an add-on certification held by over 1,000 certified organic, family-owned operations across North America. Real Organic Project strives to uplift farms working within the spirit, not just the letter, of organic principles. Real Organic certified farmers use practices that are centered around the foundational organic principles of soil-based crop production and pasture-based livestock agriculture. To remain accessible to all types of farmers, Real Organic Project fundraises year round to keep this certification available at no cost to farmers. You can apply today at realorganicproject.org/thrivingfarmer.

Learn how to harvest equity without giving up your low, fixed-rate mortgage. Today, I discuss: conventional loans for single-family rentals, DTI, refinancing, accessing equity, student loan debt, and down payment requirements for income properties with Ridge Lending Group President, Caeli Ridge. Learn what's better for a second mortgage—the pros and cons of a HELOC vs. Home Equity Loan. You also get a mortgage market overview. We discuss changes in cash-out refinance seasoning requirements.  Caeli also describes where she believes mortgage rates are headed later this year. Resources mentioned: Show Notes: www.GetRichEducation.com/447 Ridge Lending Group: www.RidgeLendingGroup.com info@ridgelendinggroup.com Join us for tomorrow's free GRE Florida properties webinar: www.GREwebinars.com Ridge's All-In-One Loan Simulator: https://ridgelendinggroup.com/aio-simulator/ Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free—text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Speaker 0 (00:00:00) - Welcome to GRE! I'm your host Keith Weinhold. You can get a conventional loan for a single family rental with less than a 20% down payment. Learn why you might want to refinance today. Even though mortgage rates aren't as low as they were a couple years ago, how do you qualify for loans if you've already got student loan debt? All things mortgages and financing today on Get Rich Education, Speaker 2 (00:00:29) - You are listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Speaker 0 (00:00:52) - Welcome to GRE from K Patis North Carolina to Hattiesburg, Mississippi and across 188 nations worldwide. I'm Keith Weinhold. This is Get Rich Education, the voice of real estate investing since 2014. Before we get into a great education on all things mortgages today, there is still a little bit of time left for you to join us on tomorrow night's G R E Live event. You can join us from the comfort of your own home. This is for new build single family rentals, opt to four plexes in Jacksonville, Ocala, and elsewhere in Florida. Purchase prices are still below 300 K on the single families. Yes, still in the two hundreds in some cases. I don't know how long that can last. Yeah, these are the property types that are quickly vanishing. Our investment coach Naresh Stars in that event tomorrow, he finds you the good deals with the national providers that are actually giving incentives despite the fact that the product that you're buying is in really short supplies.   Speaker 0 (00:01:59) - You're gonna get a good, solid, fundamental education on what makes a durable income property market and a arrest in the Florida provider are going to share with us just for webinar attendees. Those even better than two and two incentives. Yes, for you, the incentives on the webinar are even better than that 2% of your purchase price paid do you in closing costs cash and 2% of free property management. It is going to be even better than that. That's gonna be rolled out tomorrow night, May 2nd at 8:30 PM Eastern, 5:30 PM Pacific. It is free to attend. You can ask questions live, get your questions answered and get access to the actual properties should you so choose. That is the final reminder. So if that's of any interest to you, be sure to sign up now@grewebinars.com. I'm coming to you from the Mojave Desert today here in metro Las Vegas.   Speaker 0 (00:03:04) - It's Henderson Nevada. To be technical next week I'll bring you the show from Phoenix, Arizona. And you know what? It's kind of funny. Sometimes you hear people refer to this general area of the nation this southwest and they say they are going to the desert if they were doing what I'm doing. Well this unrepentant geography nerd will clarify that it is the deserts plural. Yes, Las Vegas is in the Mojave Desert in Phoenix is in the Sonora Desert. There are differences in vegetation type and others that distinguish the two. And the most obvious difference perhaps is the presence of the big iconic Saguaro cactus down in the Sonora that you don't find up here in the more northerly Mojave and perhaps the Joshua tree is the more distinct plant type here in the Mojave. Yes, we're talking about two gigantic pieces of real estate here. Much of it is baron. Two disparate deserts with their own distinctive flora and fauna. As you're about to learn about financing real estate today, let's remember that there is a cash out refinance and then generally if you're performing a refinance without pulling cash out, that is known as a rate and term refinance. Let's get into it.   Speaker 0 (00:04:30) - Well hey, well how do you qualify for more mortgage loans at the lowest interest rate available, Americans have near record equity levels in their homes. What's the best way to access that equity yet keep your low mortgage rate in place? And what about your student loan debt and how that factors into you getting a mortgage or getting a refinance? We're answering all that today with a GRE regular guest and though it's her first appearance back on the show this year, it's the return of the company president that's created more financial freedom through real estate than any other lender in the entire nation, Ridge Lending Group. It's time for a big welcome back to Caeli Ridge.   Speaker 3 (00:05:08) - Keith Wein. Hold. Thank you. You flatter me sir. I appreciate it. Love being here with you and for your listeners.   Speaker 0 (00:05:14) - Well yes, the president is back and everyone loves this type of president because it's not about being a Democrat or Republican. So hail to the chief, great to have you here. And Jaylee mortgage rates, they have settled down a good bit from their recent highs now they peaked back in the fall of last year. So with that and some of the other things in mind, why don't you talk to us about the big picture first, sort of your mortgage market overview.   Speaker 3 (00:05:40) - Interest rates is always top of mind for everybody. I think they're doing pretty well. I do believe I've been sharing with our listeners and and my clients on a day-to-day. I do believe that rates will continue to kind of increase here and there. There's gonna be some ups and downs. Of course the Fed has been very clear with us. Jerome Powell is gonna continue to raise the Fed fund rate just for anybody that doesn't know the two between a mortgage rate and a Fed fund rate while connected, not the same thing. So when they raise that does not automatically mean that we see the increase on the the 30 year mortgage bonds. I think that that's gonna continue to happen, but I think the pace in which it happens or continues to happen is gonna be a lot less aggressive. So I think that's gonna bode well overall.   Speaker 3 (00:06:21) - For interest rates. I know everybody is very, very interested in in are they going up, are they going down, when are they going up, when are they going down? I think that we'll continue to see a little bit of upward movement. I think it's gonna be sometime next year that we start to see interest rates come back down in any meaningful way. And remember gang rates go up much, much faster than they come back down unfortunately. So I think we've got a little bit of way to go. But I'm always the one saying, Keith, you and I have talked about this, um, many, many times you must be doing the math and that the rate as a function of the return of the investment isn't the most important thing. So I'll leave it there for rates. Otherwise, I think that the industry is doing really, really well.   Speaker 3 (00:06:58) - One big announcement that we had this year was that Fannie and Freddie both have extended the seasoning period of time to where a cash out refinance when leverage was used to acquire is applicable. So now you have to wait 12 months to pull, to pull cash out of a property using the A R V that after repair value if you use leverage to acquire the property. Quick distinction because this has been confused. If you paid cash for the property, your source and season funds, that still falls under what's called the delayed cash out refi and no seasoning is required. It's only when leverage was used to acquire the property and then they're trying to use an after repair value to pull cash out in hand. Is that 12 month seasoning rate and term is different. So that doesn't apply either.   Speaker 0 (00:07:45) - Okay. So if you make a purchase and then say it less than 12 months down the road, you want to do a refi but not pull cash out, is that still all right?   Speaker 3 (00:07:55) - That's absolutely fine. No seasoning is required and we can use the arv. It's only when you want cash in your hand that that 12 months is is applicable.   Speaker 0 (00:08:04) - Got it. Okay. That's really helpful to know. Just big picture before we winnow down, are there any other big substantial mortgage stories out there that some should know about? Um, it was only a couple weeks ago, there was a lot of misinformation going around on TikTok and elsewhere about 40 year loans from F H A without people understanding that's just for loan modifications and really other stories like that. Any other big picture things where you can help us see what's happening?   Speaker 3 (00:08:30) - It seems to be par for for the course? I have not. There's nothing that's come across my desk that I would say was newsworthy or noteworthy to share. I think we've got more to unpack here than any of that.   Speaker 0 (00:08:40) - Yeah and things sure are picking up here around G R e. People wanna buy more properties this year. It really slowed down toward the end of last year, right about when the mortgage rates were at their peak. So when we talk about getting loans, we think about leverage. Leverage is created with debt. Has anything changed with the down payment requirements for an income property? And we're largely here in today's discussion talking about one to four unit income properties. Properties that you don't live in yourself,   Speaker 3 (00:09:08) - Correct down payments have have remained the same. There isn't been anything that has changed there. Just to reiterate, for those that may not be aware on a single family residence, conventionally 85% loan to value is applicable. You can leverage all the way up to 85, you're putting 15% down. Keep in mind everybody that that will have pmi, private mortgage insurance attached to it, I would have you look at them side by side. The PMI factors actually pretty low and depending on the loan size it may only be 20, 30 bucks a month. So if you're able to leverage extra, it may make sense. You're gonna have to look at the numbers so that single family and then two to four unit on a purchase transaction different on a refinance transaction but purchase is 25% down or 75% leverage is required for those duplex, triplex, fourplexes.   Speaker 0 (00:09:54) - Okay, so as little as 15% down on a rental single family home. So you're getting up to six to one, seven to one leverage in that case. Sheila, do you find very many people doing that or would they rather pay the 20% down for a rental single family home and not have the pmi?   Speaker 3 (00:10:10) - I find that right now I think that it's less common than maybe it was because interest rates are up from where they were, uh, a year, year and a half ago. So more often than not we see the 20% down. But I still think it's worth looking at. I mean you're never gonna know unless you run the numbers right side by side.   Speaker 0 (00:10:25) - Okay, so we're thinking about how much cash we have to have put aside for a down payment in closing costs. And one thing that we need to do in order to qualify for that loan in the first place of course is some people get hung up on the dti, their debt to income ratio is too high to qualify for property and chaley. Over the past few months I've had a few listeners write in with questions and I thought, well I'll say that question until we have chale on again. And one of them really has to do with student loan debt. Student loan debt often contributes to one having too high of a debt to income ratio so that they didn't have to repay their loan. I know that Biden said that you wouldn't have to pay back student loan debt for a while, but can you talk to us specifically about student loan debt with D T I?   Speaker 3 (00:11:06) - There's gonna be a few pieces to share with everybody depending on whether we're talking about Fannie Mae or Freddie Mac and we won't know who we're gonna end up selling to after the loan funds. And they have slightly different guidelines between the two of them. Similar. But there are some differences as it relates to student loan debt regardless of whether you're in deferment or you've been told that you don't have to repay. If it shows up on an individual's credit report, the calculation will be as follows. They're going to take the outstanding balance times 1%, that's Fannie Mae's rule or the outstanding balance times half a percent. That's Freddie Mac rule and that will be the payment that we include in the debt to income ratio. Uh, I'll mention that the all-in one, which is a very popular loan right now. First Lean HeLOCK, maybe we'll talk about that here today. They will defer to Fannie rules so it'll be 1% of the outstanding debt pulling on the credit report even if it shows a zero payment listed. Now there is one caveat, if the individual has a letter, this happened maybe in the last six months and I'm trying to think about, there was a title, it's pretty rare. But if they're able to gain access to documentation that specifies that they are not going to have to repay that debt and we can take that documentation, then we can zero out that payment in the D T I.   Speaker 0 (00:12:22) - Alright, there's some strategies for how you can approach D T I with respect to any student loan debt that you have and what is the maximum D T I that a borrower can have?   Speaker 3 (00:12:34) - Conventionally and non qm, you're gonna get to 50% debt to income ratio for the all-in-one since we just touched on it, 43% is the absolute max.   Speaker 0 (00:12:43) - Okay. And on prior shows, Chile and I have discussed specifically with examples just how that D T I is calculated. If you're wondering, you can hear that in some past episodes Chile one one goes ahead and they continue to add income properties to their portfolio. Often I recommend that one does that with high leverage but not over leverage. How does one keep their D T I ratio down over time as they continue to add properties so that they can qualify for more properties in the future? Is there a good strategy for that?   Speaker 3 (00:13:14) - There is, and it's such a good question because as investors, right, our qualification primers are not static. They're going to change over time as we buy and sell and refinance. So it's very, very important, especially with the debt to income ratio that we're keeping an eye on it. And there's a few ways in which you can kind of strategize or optimize that D T I. The first is going to be the Schedule E, okay? The Schedule E is where all the rental properties are going to live once you've filed the annual tax return. The easiest way for the time that we have here today, Keith, is gonna be to tell the listeners, send us your draft returns. So on an ongoing basis we tell our active clients do not file federal tax returns until you send us the draft. We're going to run that draft through the pre-formulated calculation that comes straight from Fannie, Freddie and then we're gonna provide you with some feedback, one of which may be Mr.   Speaker 3 (00:14:03) - Jones, you forgot to include your insurance as a deduction and that's actually an add back that's gonna be to your disadvantage. Make sure that you put that in there. You didn't claim the full number of days of income for the property, you forgot to put depreciation on there. That's also an add back. There's a whole slew of things that we can look at and look for and give the individual that feedback so that they are filing at that optimal way while maintaining what the maximized tax credits are, right? There's a nice balance there. The more aggressive you are with the tax deductions, the more it can impact the D T I. So we wanna have eyes on that and work closely with the client and or their CPA is a very common part of what we do. So schedule E a little more complicated, that would be one of the the ways in which we wanna maximize debt to income ratio.   Speaker 3 (00:14:45) - Obviously not obtaining new debt, new consumer debt is is not gonna be to our advantage, right? We don't want more liability than we have income. Another thing is, is that when we talk about credit and a lot of clients that we talk to, they pay their credit cards off monthly, right? Maybe they charge up five grand, eight grand, 10 grand, they get a miles or whatever it is. It's very important to communicate with us to find out when in the month we wanna strategically pull the credit. Because what will happen is is that the day in which we take that snapshot, if there's a minimum payment due, a balance with a minimum payment, that minimum payment will be used in the individual's debt to income ratio regardless of whether they're gonna pay it off at the end of the month. That doesn't matter to us.   Speaker 3 (00:15:26) - There's a payment here, we gotta hit you for it. So strategizing on the day in which we wanna run credit might be another helpful way for D T I. And then finally, and there's probably a few other things, but I think high use would be, I don't like the shorter term amortizations. I think this is something else you and I have talked about many times, Keith, where people wanna pay off quicker, which is great if that's really what they wanna do, that's perfectly fine. I'm not sure that that would be my strategy, but whatever. Don't get yourself into a 15 year fixed mortgage because it's only gonna jack that payment. It's gonna really increase that payment. It's ultimately going to, for long-term optimization, hurt your D T I. You can do the same thing with a 30 year mortgage and not pay extra interest by accelerating the debt if that's what you chose. So those would be the the few things I'd comment on   Speaker 0 (00:16:10) - 100%. And for you the listener and viewer right now with what you just heard from chaley, you can begin to understand the value of working with a lender that works specific with income property investors rather than those lenders that are more geared toward primary residents, borrowers. Nothing wrong with them but they're in their lane during their thing. And you can understand why Chaley over there at Ridge is really a specialist to help you qualifying for as many income property loans as you possibly can and optimizing those loans as well. Chaley, when we talk about interest rates, oftentimes it's of interest to people to look at what are refinance interest rates like versus new purchase interest rates.   Speaker 3 (00:16:54) - I would say on average there's a variety of of variables that dictate what the rate is gonna be. Okay? I talk about this a lot. They're called LPAs loan level price adjustments. And a loan level price adjustment is a positive or negative number that attaches to the characteristic of the loan transaction. So purchase or refi, hash out refi rate and term refi credit score has its own L L P A loan to value, loan size occupancy. All of these come with a positive or negative number attached to them as it relates to purchase versus refinance. Generally speaking, let's take a rate and term refi where you're not getting cash out, you're just maybe taking an arm and making it affix. You're taking a higher rate and making it lower, whatever, maybe about a half a point difference. So if a purchase was at six and a half, the re rate and term refinance might be at 6 75 or 7%, cash out's gonna be a little bit different. I would add a quarter point to that and then if, if it's a two to four unit, add another quarter point on top of that. So those variables do make a difference.   Speaker 0 (00:17:53) - And maybe the listener might think, well why are you talking about refinancing at a time like this? If I wanted to refinance, I would've been more likely to do that about two years ago when mortgage rates read historic lows. But today Americans are sitting on near record equity, oftentimes it might be tied up in a low mortgage rate loan with that equity chaley. I talked to some people out there just lay people, people that aren't even investors and they have a big equity position with a really low mortgage interest rate loan and they seem to think that to refinance it, they would need to go ahead and refinance their entire mortgage and lose that maybe three or 4% loan, but they don't necessarily have to if they can do a second mortgage. So I guess really what I'm getting at and the question chaley is what is the best way to do a rate and term refi versus a cash out refi? And I know there are a lot of scenarios there.   Speaker 3 (00:18:44) - Yeah, lots of scenarios. So to your point, it is not necessary to give up a very low fixed rate mortgage if you want to harvest some of that equity. The ways in which, and I'm gonna have a plug after this for the all in one, but I'll get to that cuz I'm just such a big fan. But the ways in which you can do that both for your primary residents, a second home and an investment will be through a second lien mortgage, whether it be a heloc, home equity line of credit or a he loan, the HE loan is applicable for the rental properties. I do not believe, I hope somebody can give me alternative information, but I do not believe you're able to find second lean HELOCs for rentals today. I feel like those have really dried up if they're out there, the ones that I know of that used to do them are not doing them anymore.   Speaker 3 (00:19:27) - If they're out there and anyone's listening to this, somebody please let me know. Keylock for rental probably not an option. He loan for rental absolutely is an option. And this is guys a fixed rate mortgage in second lean position, just like your 30 year fixed first, this will be a 30 year fixed second interest rates are gonna be higher. And since we were talking about interest rates, I'm gonna say that they're probably anywhere from 10 to 13%, but they're smaller amounts. C L T V combined loan to value for a he loan on a rental would be 85% is what we have access to. So as quick math guys, if you have a value of a home of a hundred thousand and you owe on your first mortgage 50,000, the CLTV would be 85% of a hundred. So 85,000 minus the 50001st, which stays in place, you'd have access to about 35,000 in that example. And that would be access to rental properties that you just do not want to mess with that first lien mortgage different for owner-occupied. And I'll take your queue on when you want me to get into that.   Speaker 0 (00:20:26) - Yeah. Okay. So we are just talking about income property second mortgages there. Tell us about primary residences.   Speaker 3 (00:20:32) - So primary and secondary should be in the same bucket. You can leverage just 90% C L T B, same math as before but up to 90% And these are gonna be, you have HeLOCK and he loan. I'm gonna assume most people are gonna go for the HeLOCK, right? The open-ended revolving is definitely more attractive than a closed-ended fixed I believe in a second lien. And you know Prime is at eight I believe right now. Gosh, I should have checked before we go on, but I think Prime is sitting, it's an index. An indices like the Fed fund rate, that's an index two prime is at about eight. And then depending on the characteristics, those l LPAs that I mentioned, loan level price adjustments are gonna come up with a margin. Maybe it's 2% over prime or one or whatever it is depending on those things. So I would anticipate a HELOC and second lie position on a primary residence will be anywhere from eight to maybe 10%. More often than not is what you should expect. Interest only open-ended.   Speaker 0 (00:21:24) - And on the second mortgages, whether that takes the form of a HELOC or a HE loan, how long is the initial fixed rate period? Typically   Speaker 3 (00:21:32) - There are hybrids where you can fix in for a year or three years, et cetera. Those are available. I'm not sure that you wanna do that in a high rate environment. You probably wanna avoid any fixed rate right now if you had the option to get into it a couple of years ago, you're looking really good right now because you fixed in at at some ridiculously low rate for a period of two, three, maybe five years. I would tell people listening, fixing in on a HELOC right now is not gonna be your advantage when we believe that rates are gonna start coming down over the next year, et cetera. But for the HE loan, it's fixed for 30 years. Just like a 30 year fixed first lie mortgage, it's fixed, you have it four 30 years, it's amortized, it's closed ended. You're making your regular payments until you pay it off after the 30 year period of time.   Speaker 0 (00:22:13) - We're talking about how you can more efficiently borrow in this environment where people and investors have high equity positions and we have hopefully come off the mortgage rate highs from late last year. You're listening to Get Risk Education. Our guest is Ridge Lending Group President Chaley Ridge Morton, we come back. I'm your host Keith White Hole with JWB Real Estate Capital. Jacksonville Real Estate has outperformed the stock market by 44% over the last 20 years. It's proven to be a more stable asset, especially during recessions. Their vertically integrated strategy has led to 79% more home price appreciation compared to the average Jacksonville investor. Since 2013, JWB is ready to help your money make money, and to make it easy for everyday investors, get started at jw b real estate.com/g rre. That's JWB real estate.com/g R E GRE listeners can't stop talking about their service from Ridge Lending Group and MLS 40 2056. They've provided our tribe with more loans than anyone. They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plexes. So start your pre-qualification and you can chat with President Chaley Ridge personally. They'll even deliver your custom plan for growing your real estate portfolio. start@ridgelendinggroup.com.   Speaker 4 (00:23:45) - This is Rich Dad sales advisor, Blair Singer, listen to Get Rich Education with Keith Wine Hold and above all don't quit your daydream.   Speaker 1 (00:24:03) - Welcome   Speaker 0 (00:24:04) - Back to Get Rich Education. We're learning about how to be a savvy borrower with President of Ridge Lending Group, Chaley Ridge and Chaley. One product you have there that's really flexible and has helped out so many people and helped save borrowers tens of thousands of dollars in interest or more is what's called your all in one loan. Tell us about it.   Speaker 3 (00:24:25) - This is a first Lean HeLOCK everyone. I'm such a big fan, it's not for everybody, but for the right individual, I don't know that there is a loan product to rival it. It's got all the flexibility in the world and as Keith said, the mechanics of this and the concept of this arbitrage, it's called Velocity Banking, infinity Banking. If anybody's familiar with those terms, that's what this does. It allows you all the open flexibility to sort of become your own bank where you have this line of credit. It is a first lien line of credit. So let's take a a step back and talk about those low interest rates that everybody has secured over the last couple of years. We were very lucky to have to two and a half, 3% interest rates. And I'm constantly having this conversation and I'm really trying hard to dispel the psychology of you can never do better than that when it's just not the truth.   Speaker 3 (00:25:14) - And mathematically you will be able to figure this out. I'm gonna plug our website here. There is an interactive simulator that will take you to the all-in-one simulator where you can compare your existing fixed first lien mortgage to the All in one and and the input data is very, very simple. No vials of blood here guys, but if the input is accurate, the results page will tell you very clearly if the all-in one will save interest and Trump over the 30 year fixed at two and a half or whatever it is, or if you're fixed rate mortgage is more to your advantage, it will be very clear there'll be no mistaking it from that. I think further conversations will be necessary for those that see some real value in the All In One. I won't go too far down that rabbit hole, it's a little bit more complicated than we probably have time for here. But the first Lean All In one is such a fantastic tool. I really encourage your listeners to go ahead and and check out at the very least the simulator and see how it applies to you.   Speaker 0 (00:26:08) - The all-in one loan operates much like a first lien heloc. I don't think we have time to describe it all. Like you said, you do have the simulator there on your website@ridgelendinggroup.com where one could see if their existing mortgage it compares favorably or unfavorably to the all-in one loan. But as we know with the first lien heloc, therefore one feature of the All in one loan is the option, not obligation, but option of making interest-only payments to keep your payment down.   Speaker 3 (00:26:34) - Yeah, this is where it gets a little bit tricky for some people when we start talking about payments FirstLine Open-ended HeLOCK, where it's called the All In one because you're replacing not only your mortgage with this revolving open-ended heloc, but also a checking and savings account and combining those two elements whereby simple depository income is being used at dollar for dollar driving down principle balance to save in daily interest accrual. I'm gonna give a quick example and then we can move on and, and I encourage everybody to do the simulator email us, let's talk through it. We'll take you by the hand. It's the learning curve's a little intense, it was even for me. But here's an example of velocity of money and kind of how the all-in-one works. So take a 30 year fixed mortgage and a 15 year fixed mortgage. Both of them started at $400,000 each.   Speaker 3 (00:27:22) - You lock the 30 year at 4% and the 15 year was locked at 7%. Without exception, everybody runs to the 30 year at 4%. I would've done the same if I didn't know the math when in fact the reality is is that you will pay $40,000 more on that 4% 30 year than you would on the 7% 15 year because the amount of time that you're paying on that mortgage is greatly reduced. And that's, I guess a, an easy concept. It's a, the first step of trying to define this for most people, they can kind of see it in those terms because they understand the amortized mortgage. It's the amount of time that you are paying interest. So if you're utilizing your depository checking savings and your mortgage and all of that money is going in there month after month before it's going back out the door for whatever your living expenses are. And then whatever's left over is, is stays in there. 24 7 access. Nothing changes about your current banking techniques or or strategies. It's all the same. But now you're in control. You've become your own bank. It's amazing. I can't say enough about it   Speaker 0 (00:28:24) - Talking about the all in one loan there. You sure can learn more from Ridge on that. Jaylee, is there really like anything else that I guess is noteworthy specifically in helping a borrower qualify for income property loans, maybe a common problem or a borrower hurdle that you see in there at Ridge?   Speaker 3 (00:28:43) - I would just boil it down to education. Just lack of information. It's not dear Google stuff. The guidelines and what's available. All of these things are changing on a consistent basis that real-time information's not available to them. So if I had to pick one thing, I would just say education. And I'm very proud to say that we really focus on that. If there's a value add about Ridge, I think there's quite a few. But the one that I think sticks out for most people is the education that we provide to our investors and shining a light and giving them a look under the hood and what they need to know, teaching 'em how to optimize their qualifications and all of the stuff that we've been talking about here today.   Speaker 0 (00:29:19) - Well that's a good point because when we talk about real estate investing, you're really, they're in one of the more dynamic and fast-changing parts of the industry as opposed to something like home construction where a lot of the methods haven't changed for 50 or more years, if you will. So yeah, it's really staying up and staying informed on that and engaging with a lot of the educational resources increasingly that Ridge has for you to help you stay on top of that as an income property bar yourself. And Shaley can tell us a bit more about that shortly. But why don't you tell us about all of the loan types, the mortgage products if you will, that you offer in there.   Speaker 3 (00:29:52) - That's another great value add about us. We have a very diverse menu, if you will, of loan products that don't just start and stop with the conventional. We're not a one size fits all. So we've got the Fannie Freddy's, we talk about that a lot. Our all in one, my favorite. We have a very diverse non QM product line and for those that aren't familiar with that term, QM stands for Qualified Mortgage. Fannie Mae and Freddie Mac are the, uh, epitome the definition of what a qualified mortgage is. There's a whole definition we don't need to go into today, but, so everything outside of that QM is now non qm. And within non qm, like I said, extremely diverse. There's things called the debt service coverage ratio product where we're not showing borrower income, we're just looking at the properties income offset by the new mortgage payment. There's bank statement products. If you can't show tax returns, we're gonna take deposits and average them asset depletion. If you've got large self-directed ira, we can come up with an income calculation for that. The list goes on. We've got commercial products for commercial properties, but also for residential properties. Cross collateralization. It's pretty diverse. We have a lot for everybody.   Speaker 0 (00:30:54) - When you excel in there, you've been such industry leaders at originating income property loans for investors were proportion of your businesses income property loans and what proportion is primary residence loans?   Speaker 3 (00:31:06) - A lot of people don't realize we can do both and we do both very well. But I would say that it's probably 70 30 not owner-occupied. To owner-occupied. A large part of what we do is the investor loans. But most of our investor clients come to us for their primary needs too because we already have their life on file and, and can get that done very competitively   Speaker 0 (00:31:24) - Too. , right? And you keep growing. You're in almost all 50 states now.   Speaker 3 (00:31:27) - I know. Can you believe it? We're in 47 states. We're not in North Dakota, New York, or Vermont, otherwise we're everywhere.   Speaker 0 (00:31:34) - Letter audience know how they can learn about your resources.   Speaker 3 (00:31:37) - There's a couple ways to find us our website, ridge lending group.com. They can email us, info ridge linen group.com. Our toll free is 8 5 5 74 Ridge 8 5 5 7 4 7 4 3 4 3. And while you're on our website gang, uh, check us out on our community. I have a live event every Tuesday, one 30 Pacific, uh, four 30 Eastern. Uh, lots of good information register and it's free. Lots of good information and, and education like we've been talking about here. Hope to see you.   Speaker 0 (00:32:05) - Oh, it's been a terrific and crucial mortgage market update. Chaley Ridge, thanks so much for coming back into the   Speaker 3 (00:32:11) - Show. Thank you. Appreciate it.   Speaker 0 (00:32:18) - Oh yeah, lots of good concise information there from Chaley. It's a type of content that can have you hitting the rewind button on your pod catcher at times. All right, so we learned that in a lot of scenarios there. Second, mortgages come with rather high interest rates that is prohibitive. But then on the other side, it's encouraging to learn, learn that on primary residences, for example, you can get up to 90% loaned value. That means you only need to keep 10% equity in your home. And as far as that all in one loan simulator, we'll put a link directly to that in the show notes for you. But like Chaley said, you might wanna reach out to them@ridgegroup.com and then they can help walk you through it. Thank you to Caeli for the generous contribution to your learning today. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 5 (00:33:15) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests on their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education L l C exclusively.   Speaker 6 (00:33:43) - The preceding program was brought to you by your home for Wealth building. Get rich education.com.

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In this episode, join us on our adventures in Yosemite National Park! We share with you our favorite views, where to stay, and some local eats.  https://rvmiles.com/274 for links to today's mentions.  Become an RV Miles Mile Marker Supporter and join us for our May live ask us anything on May 1st. https://rvmiles.com/milemarkers Facebook Group: https://www.facebook.com/groups/r