Podcasts about Servicing

One week everyone is feeling good about the Lions, the next week they get crushed and are sitting on the outside looking in of the playoff picture. The NFL really is a week to week league, can things be straightened out in Detroit? Michigan hasn't won pretty their last couple games, but they're sitting at 8-2, can they somehow sneak into the CFP? Troubles in East Lansing, some Prep Spotlight playoff updates, and a Tedertainment Tonight. Take a listen and hit us up! Thanks to: Memorial Healthcare Wellness Center, Rivals Taphouse & Grille, Nelson House Funeral Home, Success Group Mortgage & Servicing, Jacobs Insurance, Nichols Painting, Kori Shook & Associates, Shiawassee County Fair, AZee Branding Solutions, SportsNet MI

Listeners of the pod know we love College GameDay and D2 football, and the guys at Division 1 Rejects are building something that showcases 'smaller school' rivalries with a GameDay feel. Kobe Manzo from @D1_Rejects joins us to talk about his background, what they're doing at D1 Rejects, and more! Lions move to first place with a win over Washington, Pistons and Cade Cunningham are off to a hot start, high school football playoffs keep rolling on, and plenty more! Take a listen and hit us up! Thanks to: Memorial Healthcare Wellness Center, Rivals Taphouse & Grille, Nelson House Funeral Home, Success Group Mortgage & Servicing, Jacobs Insurance, Kori Shook & Associates, AZee Branding Solutions, Nichols Painting, Shiawassee County Fair, SportsNet MI

As drivers hold onto their vehicles longer than ever, service complexity continues to rise. In this episode, GM's Aaron Charbonneau, Director of Dealer Service and Warranty Operations, and Patrick Meissner, Director of Strategic Service Initiatives and Accessories, discuss how technicians and shop owners navigate the growing mix of old and new technologies. From training and parts availability to customer trust and predictive maintenance, they share insights into what it takes to deliver a seamless service experience—no matter the model year.

Send us a textEmail Lennie at lennielawson2020@gmail.com

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at trends across Agency MBS issuance. Plus, Robbie sits down with ICE's Dana Federspiel for a discussion on the key challenges servicers and subservicers are facing in a rapidly evolving industry, how servicers can achieve greater scalability and efficiency, and which regulatory issues may impact the sector heading into 2026. And we close by looking at what contributed to a positive labor market print this morning.Today's podcast is brought to you by ICE. As the standard for innovation, artificial intelligence, efficiency and scalability, ICE is the technology of choice for the majority of industry participants, defining the future of homeownership. 

The NFL Trade Deadline has passed, and after the Lions dropped a game to the Vikings, are we at a crossroads with Detroit's season? Wolverines beat Purdue and the Spartans lost to Minnesota, but are both fan bases not feeling great about their teams? College hoops underway, World Series thoughts, some Prep Spotlight playoff updates, and a Tedertainment Tonight. All that and more, take a listen and hit us up! Thanks to: Memorial Healthcare Wellness Center, Nelson House Funeral Home, Rivals Taphouse & Grille, AZee Branding Solutions, Kori Shook & Associates, Success Group Mortgage & Servicing, Jacobs Insurance, Shiawassee County Fair, Nichols Painting, SportsNet MI

Send us a textEp 684: Servicing the Handyman, A Leisurely Working Retiree, an erotic fiction excerpt from novella 4 in the Servicing the Work Men, My Filthy Hotwife Adventures. Laney and John have had their marital ups and downs, but ever since they started to indulge in the hotwife way of life, their bedroom life has been set on fire. Both loving the spicy adventures they are embarking on; they are open to new experiences. Marvin is a leisurely working retiree who has done many small handyman jobs for them around the house. Laney's had her hungry eyes on him with a smoldering burning blaze of want that has grown steadfast over time. She can only hope that John will agree and set up the framework for a hot rendezvous.When Marvin, the leisurely working retiree, arrives for his work for the day, Laney is enjoying a swim, in a bikini top only. Things escalate quickly when John sets the stage, but Laney is on her own for navigating her hook up with Marvin because John is eyeballs deep in work. That only fuels Laney's fire, and when she shows Marvin what needs to be worked on in their master bedroom closet, Laney takes what Marvin freely gives, which is both an orgasmic delight and learning experience for Laney. Maturity is sexy when it comes with so much experience that this silver fox blows Laney's peaks sky high. A few spicy and surprising adjuncts throw the fun into overdrive and Laney's world gets rocked like never before!Enjoy this excerpt from novella 4 in the Servicing the Work Men, My Filthy Hotwife Adventures!BOOKS!Ebook: https://books.ruanwillowauthor.com/servicingthehandymanGet the full novella in audiobook: https://books.ruanwillowauthor.com/servicingthehandymanaleisurelyworkingretireeaudiobookGet the full novel of all five novellas: https://books.ruanwillowauthor.com/servicingtheworkmenherfilthyhotwifeadventures Get the FULL NOVEL in audiobook: https://books.ruanwillowauthor.com/servicingtheworkmenherfilthyhotwifeadventuresaudiobookA Hotwife alternative lifestyle erotic romance fiction story, age gap with a dominant male. Get the rest of the fiction entertainment series from erotica author Ruan Willow.Plus, a bonus story Eat Me on My Birthday! Support the showExclusives https://www.buzzsprout.com/1599808/subscribeNewsletters https://subscribepage.io/ruanwillowhttps://linktr.ee/RuanWillow Affiliates Firm Tech 15% OFF with code ruan15 https://myfirmtech.com/ruanwillow BeeDee dating app https://beedee.app/?r=ohfuckyeahThe Fantasy Box DATE30 for $30 OFF 1st box https://thefantasybox.sjv.io/c/6250602/2141126/26423

In this episode of The Everything Electric Podcast, Robert Llewellyn speaks with Sajid Hasan, Chief Product Officer for BYD Australia and New Zealand, about BYD's meteoric global growth, breakthrough EV technology, and why Australia is one of the most important proving grounds for the future of electric mobility.   From BYD's LFP Blade Battery and DMO Super Hybrid platform to the rollout of 1-megawatt "flash chargers" capable of adding 400km in just five minutes, Sajid reveals the innovations driving the brand's incredible success — and how they're changing the automotive industry forever.   Robert also discovers how BYD has overtaken Tesla in EV sales in Australia, achieved millions of NEV deliveries worldwide, and is pioneering Vehicle-to-Grid (V2G) technology that can turn your EV into a mobile power plant for your home.   0:00:00 - Introduction 0:00:47 - Sajid Hassan, BYD Australia& New Zealand 0:01:03 - Australia as an EV "Test Bed" and Export Market 0:01:43 - BYD's History and Global Scale 0:03:46 - The Staggering Size of BYD 0:05:06 - Why Right-Hand Drive Australia is a Key Market 0:06:33 - Australia as a Competitive "Proving Ground" 0:08:00 - Australia's Imported Car Market & Rise of Chinese Brands 0:10:45 - The Everyday User Experience: BYD Owners Who Just Drive 0:11:48 - EV Adoption Rate and Achieving Price Parity in Australia 0:12:59 - Battery Longevity, Vehicle Warranty, and Consumer Fears 0:14:04 - Deep Dive: The Benefits of BYD's LFP Blade Battery 0:14:50 - BYD: A Battery Company That Started Making Cars 0:15:37 - BYD's Vertical Integration (Semiconductors, Mines, etc.) 0:16:03 - The Future: V2G & Cars as "Mobile Power Plants" 0:16:46 - BYD's V2G Trial with Origin Energy and Amber in Australia 0:18:41 - Legislative Barriers Slowing V2G Adoption 0:20:49 - BYD's EV Sales Leader Status in Australia (vs. Tesla) 0:21:56 - The BYD Shark Ute and the DMO Hybrid Platform 0:23:19 - Explaining the "Electric First" DMO Super Hybrid 0:27:43 - The BYD Shark's Initial Success in the Ute Segment 0:28:31 - Addressing the PHEV Charging Misconception 0:30:35 - Servicing and the Legacy Dealership Model 0:31:59 - BYD's Rapidly Expanding Dealership Network (80+ Sites) 0:32:26 - Lower Maintenance Costs of Electric Vehicles 0:34:36 - The Future of Charging: BYD's 1 Megawatt "Flash Chargers" 0:35:54 - 400km Range in 5 Minutes: Charger Speed Comparison 0:37:02 - How Large Battery Packs Support Megawatt Charging 0:38:07 - Which Future BYD Model Will Get Megawatt Charging? 0:38:46 - The Quiet Revolution on China's Streets 0:41:41 - The Challenge of Loud ICE Vehicles in Australia 0:43:25 - Shifting Consumer Attitude and the "First Drive" Effect 0:44:39 - The Synergy of Solar Panels and EVs in Australia 0:46:50 - Have EV Costs Reached a Plateau? Battery Chemistry's Role 0:49:03 - Levelling Up: More Tech, Range, and Luxury for the Same Price 0:50:32 - Final Thoughts: The Pace of Evolution in the Auto Industry   Why not come and join us at our next Everything Electric expo: https://everythingelectric.show   Check out our sister channel Everything Electric CARS: https://www.youtube.com/@fullychargedshow   Support our StopBurningStuff campaign: https://www.patreon.com/STOPBurningStuff   Become an Everything Electric Patreon: https://www.patreon.com/fullychargedshow   Buy the Fully Charged Guide to Electric Vehicles & Clean Energy : https://buff.ly/2GybGt0   Subscribe for episode alerts and the Everything Electric newsletter: https://fullycharged.show/zap-sign-up/   Visit: https://FullyCharged.Show   Find us on X: https://x.com/Everyth1ngElec Follow us on Instagram: https://instagram.com/officialeverythingelectric   To partner, exhibit or sponsor at our award-winning expos email: commercial@fullycharged.show   Everything Electric MELBOURNE - Melbourne Showgrounds 14th, 15th & 16th November 2025 Everything Electric SYDNEY - Sydney Olympic Park 6th, 7th & 8th March 2026 EE NORTH (Harrogate) - 8th & 9th May 2026 EE WEST (Cheltenham) - 12th & 13th June 2026 EE GREATER LONDON (Twickenham) - 11th & 12th Sept 2026   #fullychargedshow #everythingelectricshow #homeenergy #cleanenergy #battery #electriccars #electric-vehicles-uk #byd #tesla #australia

Hour of destiny daily devotional is a daily spiritual food for inspiration, impartation, guidance, and nourishment for Gods children. It is one of Gods ways of speaking to His children daily about their lives, family, and job.Host - Rev Mike EniolaConnect with us on our official channels.https://www.instagram.com/hourofdestinyTiktok- tiktok.com/@hour.of.destinyTelegram - https://t.me/hourofdestiny_dailyYouTube - https://youtube.com/‎⁨@hourofdestiny⁩  Spotify Subscription https://podcasters.spotify.com/pod/show/hourofdestiny/subscribePLEASE LIKE, COMMENT, AND SHARE WITH YOUR FRIENDS AND FAMILY, GOD BLESS YOU.

Hour of destiny daily devotional is a daily spiritual food for inspiration, impartation, guidance, and nourishment for Gods children. It is one of Gods ways of speaking to His children daily about their lives, family, and job.Host - Rev Mike EniolaConnect with us on our official channels.https://www.instagram.com/hourofdestinyTiktok- tiktok.com/@hour.of.destinyTelegram - https://t.me/hourofdestiny_dailyYouTube - https://youtube.com/‎⁨@hourofdestiny⁩  Spotify Subscription https://podcasters.spotify.com/pod/show/hourofdestiny/subscribePLEASE LIKE, COMMENT, AND SHARE WITH YOUR FRIENDS AND FAMILY, GOD BLESS YOU.

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

Hour of destiny daily devotional is a daily spiritual food for inspiration, impartation, guidance, and nourishment for Gods children. It is one of Gods ways of speaking to His children daily about their lives, family, and job.Host - Rev Mike EniolaConnect with us on our official channels.https://www.instagram.com/hourofdestinyTiktok- tiktok.com/@hour.of.destinyTelegram - https://t.me/hourofdestiny_dailyYouTube - https://youtube.com/‎⁨@hourofdestiny⁩  Spotify Subscription https://podcasters.spotify.com/pod/show/hourofdestiny/subscribePLEASE LIKE, COMMENT, AND SHARE WITH YOUR FRIENDS AND FAMILY, GOD BLESS YOU.

The 2025 Michigan vs MSU game is in the books with the Wolverines beating the Spartans in somewhat ugly fashion. What are the vibes around both teams after the win, good or bad for Michigan, and is it time for MSU to move on from their head coach? Speaking of head coaches, what is going on in college football with all the firings? High school football playoffs are here in Michigan, we give some thoughts on some matchups we're keeping an eye on, and get a few nuggets from some experts on what has them excited for the playoffs. All that and more, take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Rivals Taphouse & Grille, Nelson House Funeral Home, Shiawassee County Fair, Nichols Painting, AZee Branding Solutions, Kori Shook & Associates, Success Group Mortgage & Servicing, Jacobs Insurance, SportsNet MI

Send us a textMiguel Armaza sits down with Andrew Wang (CEO) and Linda Du (COO) of Valon, the AI-native infrastructure platform transforming mortgage servicing in America. They have quietly built a top-10 national mortgage servicer with over $100 million in revenue and more than one million loans under management, all while achieving profitability. Valon is now selling their battle-tested platform to the largest servicers in the country. They are backed by a16z, Westcap, Jefferies, and Alleycorp, amongst others.What makes their story remarkable is how they built it: $100 million in revenue sold entirely through founder-led sales, no marketing team, and a seven-year detour of becoming a servicer themselves just to prove their software works. Their journey from burning $4 million per month to 70% operating margins offers a masterclass in operational discipline and unconventional company building.Timestamped Overview00:00 Intro & Valon's Background04:14 Finding Trustworthy Growth Partners07:55 Navigating startup licensing challenges09:55 Overcoming Loan Licensing Hurdles15:53 Proving Value Through Integration18:22 Servicing philosophy shoot higher21:23 Valenos Success Without Marketing23:21 Building Two Businesses Two Strategies27:01 Monetizing operations with efficiency30:14 Debating AGI's future impact34:52 Modern CTO Strategies Culture Infrastructure38:19 LLMs redefining productivity models41:39 Mentorship sparks business collaboration44:02 Choosing New York over SF47:55 Ali's thoughtful guidance and clarityDo you prefer a written summary? Check out the Fintech Leaders newsletter and join 80,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp

Seller finance compliance feels messy because multiple rule sets overlap and the gray areas are real. In this episode, I break down the essentials—Dodd-Frank Ability-to-Repay (ATR), TRID timelines, and the “Rules of 1, 3, and 5”—and show you how to keep deals simple, compliant, and sellable. Key takeaways Dodd-Frank ATR (the big one): If your borrower is an owner-occupant, you must make a good-faith determination they can repay (credit, income, debts, residual income). You want to underwrite anyway—this protects you and improves loan performance. TRID basics: Send a Loan Estimate (LE) ≥ 7 business days before closing and a Closing Disclosure (CD) ≥ 3 business days before closing. Disclosure reduces misunderstandings and defaults. Rules of 1 / 3 / 5 (why the myths persist): “1 per year”: Only applies to natural persons selling their own primary residence (not investment deals or entities). Not the “do anything you want” rule most think it is. “3 per year”: You can create up to 3 loans/year without involving an RMLO, but ATR still applies. Not Wild West. “5 per year”: You can do up to 5 loans/year without TRID, but if you're already doing ATR with an RMLO, you'll typically do TRID too—there's no reason not to. Why follow ATR + TRID even when not strictly required: Better underwriting → fewer defaults Easier to sell (and at higher prices) to institutional buyers Enforceability if a borrower contests in court Costs are typically passed to the borrower at closing Servicing tip: For owner-occupied loans, use a third-party servicer. Compliance on servicing is even stricter, and you can contractually pass the monthly fee to the borrower. Resources mentioned

On this episode from the archives, Dani Snyder talks leading design teams out of their silos As someone who started out as an industrial designer and who is now the Head of Design AI, Servicing and Communications at JPMorganChase, Dani Snyder deeply understands the design process and organizational design. This week Dani joins Tammy to talk about how to empower design teams. She shares strategies to help align design teams with organizational strategic goals and encourages designers to break out of their silos and remain curious about all aspects of the design process. Links: Dani SnyderSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Lions have been hit with the injury bug but that didn't hold them back vs the Bucs on MNF. A huge win heading into their Bye week, should they be the favorite in the NFC? Michigan gets a win over Washington and MSU drops a game to Indiana, should the Wolverines be on upset alert though with the big game in East Lansing this weekend? Tigers offseason, Pistons and Red Wings getting going, and more! Take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Nelson House Funeral Home, Nichols Painting, Success Group Mortgage & Servicing, Kori Shook & Associates, Rivals Taphouse & Grille, Jacobs Insurance, AZee Branding Solutions, Shiawassee County Fair, SportsNet MI

This past weekend may have been the absolute worst sports weekend in the history of Michigan and Detroit sports fandom. The Tigers were eliminated from the playoffs by the Mariners in a 15 inning classic, the Wolverines and Spartans both dropped games that have fans questioning their coaches, and the Lions lost to the Chiefs on SNF but not without a ton of drama. We talk about all that and plenty more on Episode 381, take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Nichols Painting, Rivals Taphouse & Grille, Nelson House Funeral Home, Shiawassee County Fair, Jacobs Insurance, Success Group Mortgage & Servicing, AZee Branding Solutions, Kori Shook & Associates, SportsNet MI

Revolutionizing Space Logistics and Cloud Computing in Orbit with Dr Luca Rossettini In this episode of Space Cafe Radio, host Torsten Kriening catches up with Dr Luca Rossettini, CEO and Founder of D-Orbit, during the World Space Business Week in Paris. Dr Rossettini speaks about the challenges faced by public servants, the evolution of D-Orbit, and how they are pioneering in-orbit economy and space logistics. They discuss the importance of building infrastructure for the expanding space economy, in-orbit servicing, and the transformative potential of space cloud computing. Additionally, Dr Rossettini touches on cybersecurity, the role of partnerships, and D-Orbit's future plans, including their restructuring efforts and expansion across the globe. Tune in to gain insights into the future of space technology and innovation.This episode is supported by D-OrbitSpace Café Radio brings you talks, interviews, and reports from the team of SpaceWatchers while out on the road. Each episode has a specific topic, unique content, and a personal touch. Enjoy the show, and let us know your thoughts at radio@spacewatch.globalWe love to hear from you. Send us your thought, comments, suggestions, love lettersYou can find us on: Spotify and Apple Podcast!Please visit us at SpaceWatch.Global, subscribe to our newsletters. Follow us on LinkedIn and X!

Send us a textEp 675: Why Choose Shifters and Heat Ratings Author Imogen Knowed on Writing Cozy Sweet Spicy Romance. **You can watch the video version on YouTube at Ruan Willow Podcaster. There is NO excerpt in the YouTube version, please visit podcast apps to get the excerpt. The excerpt is from "Whispers, Whiskers, and Wine" and is at the first part of this episode.Romance Author Imogen Knowed Reveals the Secrets Behind Writing Polyamorous "Why Choose" Stories.Ever wondered how authors craft realistic polyamorous romance without relying on supernatural shortcuts? Romance author Imogen Knowed pulls back the curtain on her unique approach to "why choose" stories and shifter romances, explaining why she ditched the fated-mate trope for something far more complex.In this candid conversation with host Ruan Willow, Imogen discusses her latest works including **Whispers, Whiskers and Wine** and the upcoming **Dates and Dead Bodies**—a cozy murder mystery that blends polyamorous romance with small-town intrigue. She opens up about the challenges of marketing "spicy" romance when platforms suppress erotic content, the wildly subjective nature of heat ratings, and her meticulous research into polyamory to create authentic relationship dynamics.From her recursive drafting process to using a "naughty words" thesaurus, Imogen shares the nitty-gritty details of crafting explicit scenes while balancing entertainment with subtle education. She explores the evolution of cozy romance toward more explicit content and debates whether fiction should teach readers about anatomy and consent—or simply provide escapist entertainment.**Ready to dive into the world of authentic polyamorous romance?** Listen to discover how one author is reshaping the genre with realistic characters, thoughtful consent, and unapologetically explicit storytelling.Key Takeaways:• Erotic romance faces significant marketing barriers—heat ratings and content warnings can severely limit discoverability.  • She pairs a cozy, “sweet‑and‑spicy” vibe with explicit group sex and polyamory, doing detailed research to portray realistic consent.  • Imogen only started writing impulsively in 2022, drafts as a hybrid plotter‑pantser, and has had to accept she can't please everyone.Connect with indie author Imogen Knowed: Instagram and Threads ImongenknowedBooks: Whispers, Whiskers, and Wine (affiliate link) https://amzn.to/4okmDhnDates and Dead Bodies (affiliate link) https://amzn.to/4nIAOwuPodcast Host Ruan Willow's latest book release:John Gives His Wife Hot Adventures, Book 2 in the Servicing the Work Men Series https://books.ruanwillowauthor.com/johngiveshiswifehotadventures Support the showExclusives https://www.buzzsprout.com/1599808/subscribeNewsletters https://subscribepage.io/ruanwillowhttps://linktr.ee/RuanWillow Affiliates Firm Tech 15% OFF with code ruan15 https://myfirmtech.com/ruanwillow BeeDee dating app https://beedee.app/?r=ohfuckyeahThe Fantasy Box DATE30 for $30 OFF 1st box https://thefantasybox.sjv.io/c/6250602/2141126/26423

The Tigers stole a game in Seattle to get back to Detroit with the ALDS tied 1-1. Can they pull the upset and advance to the ALCS? Oakland University men's basketball coach Greg Kampe joins us to talk about his long career, coaching in today's NCAA climate, and plenty more about his Golden Grizzlies! Lions move to 4-1 with a win over the Bengals, Michigan beats Wisconsin while MSU drops one vs Nebraska, and other football storylines. Take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, AZee Branding Solutions, Kori Shook & Associates, Success Group Mortgage & Servicing, Jacobs Insurance, Nichols Painting, Shiawassee County Fair, Rivals Taphouse & Grille, Nelson House Funeral Home, SportsNet MI

Girl bosses? Check. Overbearing mothers? Check. Politicians getting into sexy shenanigans? You betcha! Emily returns to Congressional Cemetery to pay her respects to one of its most (in)famous interns, Mary Ann Hall. From humble beginnings, Mary Ann worked her way up to be one of the most successful business women in Washington D.C. Servicing politicians, socialites, and the elite just blocks away from the nation's capitol, Mary Ann was making bank. The only problem was, her business was illegal. Kelley tells the terrifyingly true story of Julia Buccola Petta, a young Italian immigrant who tragically died during child birth. But when her body was exhumed years later, what onlookers found was truly shocking. Beware of freshly poured patios and take control of your life (or don't) because we're wining about herstory! Join the Funerary Cult: https://www.patreon.com/winingaboutherstory Sponsor a Glass of Wine: https://buymeacoffee.com/wahpod Get Merch: https://wining-about-herstory.myspreadshop.com/   Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

MLB Playoffs are here and the Tigers are playing. Slate is clean, forget the last few weeks, go to Cleveland and get some wins! We preview that series, and are also joined by Tigers prospects writer and contributor Emily Waldon (@EmilyCWaldon) to talk about covering minor league baseball, how she got into the media world, the Tigers, and more! The Lions pick up a win vs the Browns to improve to 3-1, some college football thoughts, the Super Bowl Halftime Show announcement in Tedertainment Tonight, and plenty more! Take a listen and hit us up @3pointpod! Thanks also to: Memorial Healthcare Wellness Center, Rivals Taphouse & Grille, Nelson House Funeral Home, Nichols Painting, Success Group Mortgage & Servicing, Jacobs Insurance, AZee Branding Solutions, Shiawassee County Fair, SportsNet MI

Send us a textEp 670: Erotic Romance fiction excerpt, MMF Age Gap Younger Men, Older Woman, age gap threesome Sex Scene from John Gives His Wife Hot Adventures Book. Book Blurb:Laney, John, and Anderson have a new arrangement. In bed, they luckily have a large one at the house. Laney likes the middle of the mattress the best, except for when being draped over the edge for thigh clapping exercises because those give her the most satisfying workouts.The repairmen still come, the dreamy dryer repair guy, then the flirty young man window washer, and the enthusiastic nerdy IT Technician, who are all at the house in turn to fix all the broken things. They are up for the spicy extras of visiting the house to Laney's ecstatic delight, too, because she loves to be used by them. John, being the alpha male coordinator of the events, is the most efficient top director, but Anderson is never slacking off either as second dominant in command. He keeps watch to be sure Laney's safe, too, as she entertains the visitors to the house. She's the most talented at it, plus she loves being shared!But Laney's worried. Anderson has met someone, and she fears it will break their new way of life that she loves so much. They all adore their triad union, so why does it have to change? Living the hotwife swinger lifestyle may not be as easygoing and smooth as they once had thought.This is Book 2 in the Servicing the Work Men Series.Subtropes list: power plays, spicy romance, BDSM, impact play, polyamory romance, throuple, alternative lifestyle, wife being shared, empowerment, exhibitionism, voyeurism, married couple, Dom/sub dynamics, strangers to lovers hotwife, reverse age gap older woman, younger man romance relationships, later in life hot, alternative lifestyle education, consent is a turn on and essential.Get your dirty romance books for women, dirty books for men, filthy fiction (with romance too) from Ruan Willow! She writes adult books for women that are a dirty smutty feel good romance steamy read.Get the book: https://books.ruanwillowauthor.com/johngiveshiswifehotadventuresGet Book 1 Servicing the Work Men for only $0.99 cents (through the end of October 2025): https://books.ruanwillowauthor.com/servicingtheworkmenherfilthyhotwifeadventures Support the showExclusives https://www.buzzsprout.com/1599808/subscribeNewsletters https://subscribepage.io/ruanwillowhttps://linktr.ee/RuanWillow Affiliates Firm Tech 15% OFF with code ruan15 https://myfirmtech.com/ruanwillow BeeDee dating app https://beedee.app/?r=ohfuckyeahThe Fantasy Box DATE30 for $30 OFF 1st box https://thefantasybox.sjv.io/c/6250602/2141126/26423

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caCLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to be redirected to the blog version of this episode.CLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

Japan's ispace and ElevationSpace plan to pursue a private mission that will return a lunar sample to Earth. NASA has awarded Katalyst Space Technologies a $30 million contract to raise a spacecraft's orbit. Redwire has been awarded a contract from Axiom Space to develop and deliver roll-out solar array (ROSA) wings for Axiom Station's Payload Power Thermal Module, and more. Remember to leave us a 5-star rating and review in your favorite podcast app. Be sure to follow T-Minus on LinkedIn and Instagram. T-Minus Guest Our guest today is Joseph (Dan) Trujillo, the United States Air Force Research Laboratory's (AFRL's) Space Vehicle Directorate's Space Cyber Resiliency Technical Lead.  You can connect with Dan on LinkedIn, and find out more about the AFRL Space Cyber Summit here. Selected Reading ispace and ElevationSpace Sign Agreement to Undertake Japan's First Private Lunar Sample Return Mission NASA Awards Company to Attempt Swift Spacecraft Orbit Boost Redwire Awarded Contract to Provide Roll-Out Solar Arrays for Axiom Space's First Space Station Module Zeno Power and Orano Unlock Americium-241 Supply Through Strategic Agreement to Fuel Space Nuclear Batteries Planet to Open New Satellite Manufacturing Facility in Berlin Isar Aerospace and R-Space Sign Launch Agreement Advance Space Domain Awareness Space Force Renames ‘Front Door' to Reflect Broader Impact on Industry Collaboration Kuiper mission updates: Kuiper constellation grows to more than 100 satellites Space Dynamics Lab Shares Open-Source Software to Detect Potentially Dangerous Meteors Share your feedback. What do you think about T-Minus Space Daily? Please take a few minutes to share your thoughts with us by completing our brief listener survey. Thank you for helping us continue to improve our show.  Want to hear your company in the show? You too can reach the most influential leaders and operators in the industry. Here's our media kit. Contact us at space@n2k.com to request more info. Want to join us for an interview? Please send your pitch to space-editor@n2k.com and include your name, affiliation, and topic proposal. T-Minus is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

Shante Duffy recently joined the Call The Underwriter team! In this podcast episode, Dan sits down with Shante Duffy to talk about her journey in real estate investing and loan servicing. From starting as an administrative assistant to managing assets, Shante shares how her career has evolved and what inspired her to join Dan's team to learn the underwriting process. Together, they dive into the key differences between loan origination and servicing—touching on compliance, borrower interactions, and the challenges of managing loans throughout their lifecycle. Shante also reflects on her experiences in the note investing space and looks ahead to exciting plans for team growth, including expansion into non-QM lending and licensing in new states. Want to create your own seller-financed notes? MAKE SURE YOUR NOTES ARE SELLABLE, VALUABLE, AND COMPLIANT: https://calltheunderwriter.com/ Are you Ready to work with Dan to learn how to invest in notes yourself? COMPREHENSIVE NOTE BUYING COURSE: https://www.notelaunchpad.com  

We are back with the latest Going Public with Evercore's Glenn Schorr.On this episode of Going Public, we unpack the rollercoaster of the past few months in private markets for alternative asset managers. Private markets is much more than private equity — and this episode dives into nuances of specific strategies and what it means for alternative asset managers' businesses.We discussed:Will the exit environment for private equity improve?Are animal spirits back in markets — and what does it mean for exits?Why and how private markets is more than private equity and private real estate.Why the wealth channel has been a contributor to alternative asset manager growth.How are banks responding to the expanding reach of private credit?Why private real estate could be a compelling category going forward, with 90%+ of real estate being privately owned.Making private markets more public — with expert analysisAlt Goes Mainstream has partnered with an expert who has seen the evolution of alternative asset managers from their early days.Glenn Schorr is a Senior MD and Senior Research Analyst at Evercore ISI, where he covers brokers, banks, asset managers, and trust banks as an analyst. He has covered financials since 2000 and started coverage of alternative asset managers when the first firms went public.He's consistently come up as one of the most thoughtful and well-respected analysts in the space. He balances deep research with a creative flair (just read one of the titles of his research reports and you can see his love of the game). He's been named to Institutional Investor's All-America Research Team for his coverage, most recently ranking #2 and runner up in 2023, #1 and #2 in 2022. Prior to Evercore, Glenn was a Senior MD at Nomura, serving as the lead financials analyst. Listen in as Glenn shares market stories, the evolution of alternative asset managers as businesses, the biggest and most exciting trends in private markets based on what the industry's largest players are doing, and we go “around the horn” for his analysis on the publicly traded firms. Show Notes00:00 Introduction and Countdown00:15 Introduction to Alt Goes Mainstream00:48 Meet Glenn Schorr: Wall Street Analyst02:08 Market Trends and Earnings Season02:15 Impact of Tariffs and Market Activity03:20 M&A and IPO Activity03:35 Private Equity and Market Dynamics04:34 Optimism in the Market06:11 Fundraising and Stock Prices06:52 Private Credit and Infrastructure08:31 Scale and Diversification10:19 Perpetual Capital and Investor Mindset13:51 Mega Trends and Long-Term Investments15:50 Real Estate and Market Cycles17:14 Long-Term View on Asset Managers20:04 Fee Structures and Performance24:15 Wealth Channel and Operational Challenges26:17 Institutional vs. Retail Investors28:41 Public vs. Private Markets31:01 Ceiling on Capital Raising31:42 Stewardship and Capacity Management33:03 Private Credit Market33:27 Direct Lending Market33:43 Competitive Banking Landscape33:55 Current State of Direct Lending34:22 Private Credit Market Expansion34:52 Investment Grade Private Credit36:19 Banks vs. Private Credit37:39 Banks' Adaptation Strategies38:53 Private Credit Market Size41:01 Insurance and Private Markets41:44 Apollo's Insurance Strategy43:45 Insurance Balance Sheet Power44:32 Insurance and Wealth Channels44:54 Private Wealth Return Hurdles46:47 Product Innovation in Private Markets47:00 Alternative Asset Managers' Strategies49:43 Wealth Channel Product Choices50:39 Approval Process for Wealth Platforms52:29 Third-Party Evaluators in Private Markets53:28 Convergence of RIAs and Investment Consultants54:15 Distribution Strategies for Asset Managers55:39 Servicing and Education in Private Markets56:16 Segmenting the Wealth Channel56:43 Morgan Stanley's Advisor Strategies57:45 Notable Developments in Private Markets59:19 Optimism in Financial Markets01:00:39 Concluding Thoughts and Future OutlookEditing and post-production work for this episode was provided by The Podcast Consultant.Company Coverage and DisclosuresEvercore ISIGlenn Schorr| Ticker | Company | AAMI | Acadian Asset Management | APO | Apollo Global Management, Inc. | BAC | Bank of America Corporation |   | Glenn Schorr holds a long position in equity securities of Bank of America Corporation.| BK | Bank of New York Mellon Corp. |   | Bank of New York Mellon Corp. is a client of Evercore LLC, and Evercore LLC has provided investment banking services to Bank of New York Mellon Corp. in the last 12 months. |   | Evercore ISI or an affiliate has received compensation from Bank of New York Mellon Corp. for investment banking services in the last 12 months. |   | Glenn Schorr holds a long position in equity securities of Bank of New York Mellon Corp.| BLK | BlackRock, Inc. |   | BlackRock, Inc. is a client of Evercore LLC, and Evercore LLC has provided investment banking services to  BlackRock, Inc. in the last 12 months. |   | Evercore ISI or an affiliate expects to receive or intends to seek compensation for investment banking services from BlackRock, Inc. within the next three months. |   | Glenn Schorr holds a long position in equity securities of Blackrock Inc.| BX | Blackstone, Inc. |   | Blackstone, Inc. is a client of Evercore LLC, and Evercore LLC has provided investment banking services to Blackstone, Inc. in the last 12 months. |   | Evercore ISI or an affiliate expects to receive or intends to seek compensation for investment banking services from  Blackstone, Inc. within the next three months. |   | An employee, employee's immediate family member, director or consultant of Evercore ISI or one of its affiliates (but not the covering research analyst or a member of the covering research analyst's household)is an officer, director or advisory board member of Blackstone, Inc.. |   | Evercore ISI or an affiliate has received compensation from Blackstone, Inc. for investment banking services in the last 12 months. |   | Analyst has a financial interest in a private equity fund managed by Blackstone, Inc.. |   | Glenn Schorr holds a long position in equity securities of Blackstone, Inc. |   | A member of Benjamin Rubin's household holds a long position in equity securities of Blackstone, Inc. | OWL | Blue Owl Capital, Inc | C | ...

We've been talking about the Tigers all season as they've been at the top of the standings in the MLB, not sure if we ever *actually believed they were one of the best teams in the league. Well, September has not been kind, and they are about to let that lead slip away. Will they get to the postseason?? Michigan gets a strong road win vs Nebraska and the Spartans lose in a shootout to USC. Grandville football has become one of the best programs on the west side of Michigan. Their head coach Eric Stiegel joins us in the Prep Spotlight to talk about the '25 Dawgs. Neil Diamond, Charlie Sheen, and filming locations in Tedertainment Tonight also. This is a loaded pod, take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Nichols Painting, Success Group Mortgage & Servicing, Kori Shook & Associates, AZee Branding Solutions, Jacobs Insurance, Shiawassee County Fair, Rivals Taphouse & Grille, Nelson House Funeral Home, SportsNet MI

Even though football season has taken the sports world by storm, it's still baseball season, and 3PP listeners know we have a love for baseball. We're thrilled to be joined by 'The Baseball 100' author, and author of many other books, Joe Posnanski to talk about that book, his love for baseball, other books on his shelf, and plenty more! The Owosso Trojans football team is off to a 3-0 start, and their head coach Ron Tyner joins us in the Prep Spotlight to talk about how he's turned that program around. Also, the Lions and Wolverines make statements, the Spartans are off to a 3-0 start, and plenty more! Take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Rivals Taphouse & Grille, Nichols Painting, AZee Branding Solutions, Kori Shook & Associates, Jacobs Insurance, Success Group Mortgage & Servicing, Shiawassee County Fair, Nelson House Funeral Home, SportsNet MI

Michiganders are well aware of the Great Lakes, the beauty and power they withhold, and the story of the Edmund Fitzgerald is one that encapsulates everything about Lake Superior. Bestselling author and award-winning speaker John U. Bacon has written a number of books, some on Michigan football, and is releasing a book on the shipwreck that happened 30 years ago, the lost lives, and more about the story than just the ship going down. He joins us on Ep. 376 for a great chat about all that and more. We're also joined by Dan Hasty, the radio voice of the West Michigan Whitecaps as the Caps are playing in the postseason after a historic regular season. Take a listen to the pod, pre-order 'The Gales of November', and keep an eye on the Whitecaps! Thanks to: Memorial Healthcare Wellness Center, Rivals Taphouse & Grille, Nelson House Funeral Home, Success Group Mortgage & Servicing, Kori Shook & Associates, AZee Branding Solutions, Jacobs Insurance, Shiawassee County Fair, Nichols Painting, SportsNet MI

The NFL season is underway and a week into the season Lions fans are wondering if the window has shut on this run after getting beat around by the Packers. Can Dan Campbell right the ship? The Wolverines went on the road vs a tough Oklahoma squad and were brought back down to earth. Is Sherrone Moore the right guy to lead Michigan? More NFL and CFB storylines, and a few notes on Week 3 of high school football in the Prep Spotlight. Also, more thoughts on the viral documentary Unknown Number in Tedertainment Tonight. Take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Nichols Painting, Kori Shook & Associates, Nelson House Funeral Home, Success Group Mortgage & Servicing, Rivals Taphouse & Grille, Jacobs Insurance, AZee Branding Solutions, Shiawassee County Fair, SportsNet MI

In today's dynamic commercial real estate environment, loan servicers are playing an increasingly strategic role in balancing complex deal structures and evolving borrower expectations, with a growing focus on innovation. From multifaceted private equity transactions to portfolio-level SASB deals, servicing professionals are leveraging both expertise and creativity to meet the demands of a more sophisticated market. At the same time, advancements in AI, automation, and managing cybersecurity are creating new opportunities to enhance efficiency, transparency, data and information safety, and the overall borrower experience. In this episode, Jan Sternin, senior vice president and managing director at Berkadia, joins Katie Schwarting, chair of Seyfarth's Servicing & Special Servicing practice, to discuss current market trends, the transformative role of technology in servicing, and more. Read the full transcript of the episode here: https://www.seyfarth.com/dir_docs/podcast_transcripts/ThePropertyLine_Rethinking_Servicing_Balancing_Innovation_and_Experience.pdf

Labor Day Weekend is behind us, does that mean summer is over and we're full on fall mode with football season here and playoff baseball around the corner? The Wolverines and Spartans start 1-0, can Michigan pull an upset in Oklahoma? The NFL season is here but why is everyone sleeping on the Lions? Week 1 high school football notes in the Prep Spotlight, some music documentary recommendations in Tedertainment Tonight, and plenty more! Take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Rivals Taphouse & Grille, Kori Shook & Associates, Success Group Mortgage & Servicing, Nichols Painting, Jacobs Insurance, AZee Branding Solutions, Shiawassee County Fair, Nelson House Funeral Home, SportsNet MI

For many investors, they start their journey by connecting with a real estate agent who doesn't match their values or understand their goals.  In this episode of the #DoorGrowShow, property management growth expert Jason Hull sits down with Andrew Rhatigan from Rhatigan Real Estate to go deep into the intersection of strategy and psychology and property investment, from navigating relocations and high-value deals to uncovering the mindset shifts that drive success in real estate. You'll Learn [04:21] Using Psychology to Figure out Investors' Motivations [09:07] The New Model of Selling: Empathy [13:16] The Property Management Industry in Ireland [21:09] Saving Investors 80 Hours Per Month and Retaining Value Quotables “Most people's end goal is not to have rental property. There's a reason why.” “If the investment vehicle isn't going to help them achieve their why or their purpose, then it's probably not a good idea.” “I think that's really the crux of actual, valuable, true selling. It's not about trying to force people or convince people to buy a product or a service or to get into something. It's about figuring out, do they even need what maybe I could offer them?” Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive Transcript Andrew Rhatigan (00:00) instead of just being sold something for the sake of transacting,   Jason Hull (00:00) And instead of just being sold something for the sake of transacting,   Andrew Rhatigan (00:03) they've been guided to something that's going to suit their risk tolerance, their life now, and also the future if they chose to rent it in time to come.   Jason Hull (00:03) they've been guided to something that's gonna suit their risk tolerance, their life now, and also the future if they chose to invest in the   All right, I am Jason Hull, the founder and CEO of DoorGrow, the world's leading and most comprehensive coaching and consulting firm for long-term residential property management entrepreneurs. For over a decade and a half, we have brought innovative strategies and optimization to the property management industry. At DoorGrow, we have spoken to thousands of property management business owners, coached, consulted, and cleaned up hundreds of businesses, helping them add doors, improve pricing, increase profit, simplify operations, and build and replace teams.   We are like bar rescue for property managers. In fact, we have cleaned up and rebranded over 300 businesses and we run the leading property management mastermind with more video testimonials and reviews than any other coach or consultant in the industry. At DoorGrow, we believe that good property managers can change the world and that property management is the ultimate high trust gateway to real estate deals, relationships, and residual income. At DoorGrow, we are on a mission to transform property management business owners   and their businesses, we want to transform the industry, eliminate the BS, build awareness, change perception, expand the market, and help the best property management entrepreneurs win. Now, let's get into the show. And today, my guest is Andrew Rhatigan Welcome, Andrew.   Andrew Rhatigan (01:24) Pleasure to be here, thanks for having us.   Jason Hull (01:26) It's good to have you. So Andrew, we're going to go deep into the intersection of strategy and psychology and property investment from navigating relocations and high value deals to uncovering the mindset shifts that drive success in real estate and business and learn how your innovative approach helps investors save over 80 hours a month and retain up to 10 % more value in their property transactions. All right, so   Hopefully that's got some people ears perked up and their attention peaked and they're interested. So Andrew, give us a little background on you and how you kind of got into business and entrepreneurism and started into real estate investing and all of this stuff.   Andrew Rhatigan (02:09) So firstly, great to be here. And even from your introduction, it made me want to get involved in what you're doing. So it was a fabulous insight into the value you drive for your clients and potential clientele. So essentially, I suppose I've always had an entrepreneurial spirit and by virtue of life's experience, I've gone from every different avenue. And I suppose the backdrop to my life was that my family are and were in property in a very variety of ways. My late father was a developer and I have other family members that are still in development to this day. And   I suppose as I grew up, I was always interested in people and sales, but I ran away a little bit from the property side of things to go forge my own path and explore what I felt, you know, my version of winning was. And I originally studied psychology because at the time I thought it would sound good at a dinner party. I'm happy to say that now at the age of 40, that at the age of 18, guess what? Mic drop. I had no idea what I wanted to do with the rest of my life. So I studied what I thought would sound good at a party.   Jason Hull (02:47) explore what I felt my version of winning was. And I originally studied psychology because at the time I thought it would sound good at a dinner party. I'm happy to say that now at the age of 40, that at the age of 18, guess what? Mic drop. I had no idea what I wanted to do with the rest of my life. So I studied what I thought would sound good at a   party.   Andrew Rhatigan (03:06) But how it benefited me was that I understood more about myself, my inner workings, my drivers. And as I grew, I had different businesses throughout my life, but it all centered around two things, sales and people. And I suppose that was built on a foundation of authenticity, trust, and really seeking to build relationships for the long term rather than transactions. And I was in property, been in property for the last 10 years. And when COVID hit, I saw an opportunity to build a business.   Jason Hull (03:07) But how it benefited me was that I understood more about myself, my inner workings, my drivers. And as I grew, I had different businesses throughout my life, but it all centered around two things, sales and people. And I thought that was built on a foundation of authenticity, trust, and really seeking to build relationships for the long term rather than transactions. And I was in property, been in property for the last 10 years. And when COVID hit, I saw an opportunity to build a business   based on my   Andrew Rhatigan (03:36) based on my personality   Jason Hull (03:37) personality type and a niche in the market that was booking the trend of generic real estate agency. So as opposed to simply transacting, charging a simple fee and of rowing in with the rest of the property agency around the world, I decided to create a consultative business that was client first. I advocate for clients and independent. And I suppose I add that layer of   Andrew Rhatigan (03:37) type and a niche in the market that was booking the trend of generic real estate agency. So as opposed to simply transacting, charging a simple fee and kind of rowing in with the rest of property agency around the world, I decided to create a consultative business that was client first. I advocate for clients. I'm independent. And I suppose I add that layer of   Almost sports management to it, you know, so a big part of what we do is we were a fixer for a lot of our clients that come to us with almost a plastic bag full of a jumbled mixture of receipts at account season. And they come to us with a problem or an idea, and then they ask us to fix it or find a solution. And essentially we've become that advisor or that advocate for people who are looking to either put their money to work or who are looking to source a property in Ireland as a base for an investment or for supporting family or themselves going forward.   Jason Hull (04:02) almost sports management to it. know, so a big part of what we do is we're a fixer for a lot of our clients that come to us with almost a plastic bag full of a jumbled mixture of receipts at account season. And they come to us with a problem or an idea and then they ask us to fix it or find a solution. And essentially we've become that advisor or that advocate for people who are looking to either put their money to work or who are looking to source a property in Ireland as a base for an investment or for supporting family or themselves going forward.   Well, let's get into the topic at hand then so how How have you sort of applied this psychology background that sounded cool at a party You know to you know what you're doing now with real estate investing   Andrew Rhatigan (04:46) I think the best way to describe it   is life. You'll often have that you have a different, let's say a room of people at a variety of age brackets and they all have a different view on the world by virtue of what they've experienced, the way they see the world now and obviously their disposition to what they want from life. So I suppose what we do when we're assessing a potential client is instead of me taking Jason's budget and just finding something for the sake of it, I front load the conversation by asking what is it Jason wants from life?   Jason Hull (04:58) I've decided.   So I suppose what we do...   of me taking Jason's budget and just finding something for the sake of it, I front load the conversation by asking what is it Jason wants from life?   Andrew Rhatigan (05:15) What is his appetite to risk? What does he think he wants in a property? And what would that mean if we were to work through that hypothetical? And I suppose what I found quite unique is the way we work with people is I'm quite challenging to what people want to do because I'm asking the question before they've had to buy it because   Jason Hull (05:15) What is his appetite to risk? What does he think he wants in a property? And what would that mean if we were to work through that hypothetical? And what I found quite unique is the way we work with people is I'm quite challenging what people want to do because I'm asking the question before they're fired. ⁓   Andrew Rhatigan (05:32) that advisory piece needs to come into play. So I'm quite like an parent. So if Jason said, let's say if we looked at it from a car point of view, I need a two door sports car that goes from zero to one hundred.   Jason Hull (05:33) advisory piece needs to commit to play. So I'm like a parent. So if Jason said, let's say if we looked at it from a cardboard view, I needed two doors sports card that goes from zero to   100, know, lickety split. I just wanted because I wanted. And I said, okay, but do you have, and I know each other before, do you have dogs? Do you like to play them out a lot? Do you have kids? Do you play golf? Right. asking those questions.   Andrew Rhatigan (05:43) You know, lickety split and I just wanted because I want it. And I say, okay, you know, do you have, and I know we chatted before it. Do you have dogs? Do you like to take them out a lot? Do you have kids? Do you play golf? Am I asking those questions?   We're then essentially creating a foundation where I've challenged someone before they've spent money at that level to really understand what their motivations are. So property, when we're working on it, it's probably 90 % mental and then 10 % execution.   Jason Hull (05:56) We're then essentially creating a foundation for our challenge, some before they spent money at that level to really understand what their motivations are. So property, what we're working on is probably 90 % mental and then 10 % execution.   Yeah, got it. So I love that you're kind of asking them what they want out of life first, because I mean, most people's end goal is not to have rental property. There's a reason why behind, you know,   these decisions and why they have these things. And if the investment vehicle isn't gonna help them achieve their why or their purpose, then it's probably not a good idea. So, cool. So this is kind of how you start with people.   Andrew Rhatigan (06:31) Yeah, people are paying for it right   now. Yeah.   Jason Hull (06:35) So then what do feel like would be the next step?   Andrew Rhatigan (06:38) So essentially when someone has either referred to us or reaches out to us through our various websites or offerings, a big part of what I try and understand is someone's potential profile. So I could have someone that's abroad and let's say they've had a windfall from maybe a bereavement or a financial award. There may be something in that where they maybe need an hour of my time so I can guide them through why they shouldn't be making an investment, especially in the Irish market, because it is quite contentious. Supply is a challenge.   Jason Hull (06:55) something   especially in the Irish market because it is quite contentious, supply is   a challenge. ⁓   Andrew Rhatigan (07:06) And when people are looking   at Ireland from an international stage, they probably don't understand the nuances of it. But a big part of what I lean into with people is I will often tell people no, because I'm coming from a place that I want to make them, I want them to go away from meeting us and having that conversation, knowing that we've given the best advice for what they want from life rather than a paint by numbers that everyone can do.   Jason Hull (07:09) they probably don't understand the nuances of it. But a big part of what I lean into with people is I will often tell people no, because I'm coming from a place that I want to make them, I want them to go away from meeting us and having that conversation knowing that we've given the best advice for what they want from life rather than a paint by numbers that everyone can   do. It's everyone's version. I go back to everyone, version of winning is different. And I originally got it from Gary Vaynerchuk about 10 years ago, which was   Andrew Rhatigan (07:29) because everyone's version, I go back to everyone's version of winning is different and I originally got it from Gary Vaynerchuk about 10 years ago, which was one   person wants to work a 30 hour work week, they want to play video games at night and take two holidays a year. Another person wants to have every door in an apartment block and they want to build a special purpose vehicle and build for the next three to five generations, let's say. What drives both of those is inherently different. There's only one Jeff Bezos for a reason.   Jason Hull (07:38) One person wants to work a 30 hour work week, they want to play video games at night and take two holidays a year. Another person wants to have every door in the apartment block and they want to build a special purpose vehicle and build for the next three to five generations, let's say. What drives both of those is inherently different. There's no jet-flazed off for a   reason. So when we're working with people or potentially working with people, we really want to understand what it is they want. So by asking key questions, we understand...   Andrew Rhatigan (07:58) So when we're working with people or potentially working with people, we really want to understand what it is they want. So by asking key questions, we understand   their background, their motivators, their appetite to risk their life cycle as well. Because if someone makes a lot of money, they maybe want to put it to work rather than leave it in a bank. But if someone is not equipped to have, I suppose, the wherewithal to understand when you're putting money into, into real estate, what the implications are, they maybe need someone to tell them not to do it.   Jason Hull (08:06) their background, their motivators, their appetite to risk, their life cycle as well, because if someone makes a lot of money, they maybe want to put it to work rather than leave it in the bank. But if someone is not equipped to have, I suppose, the wherewithal to understand when you're putting money into real estate, what the implications are, they maybe need someone to tell them not to   do it, to put the money somewhere safe and to take a percentage of it and maybe go into some sort of a fractional ownership scheme.   Andrew Rhatigan (08:26) to put the money somewhere safe and to take a percentage of it and maybe go into some sort of a fractional ownership scheme. So   someone who may be able to invest in a larger fund that they can weather the cost and they get a more nominal return in the long term. So I suppose a big part of how I look at it is giving people the advice they need. And then I also have a lot of people who are looking at Ireland now as a place to build a lifestyle. So we have a lot of people who are international looking at Ireland because of the lifestyle, the language and the location.   Jason Hull (08:32) So somebody may be able to invest in a larger fund that they could weather the cost and they get more normal return in long term. So I suppose a big part of how I look at it is giving people the advice they need. And then I also have a lot of people who are looking at Ireland now as a place to build a lifestyle. So we have a lot of people who are international looking at Ireland because of the lifestyle, the language and the location.   Andrew Rhatigan (08:56) So lifestyle because it's quite a relaxed setting, language because English is the first language   Jason Hull (08:56) So lifestyle because it's quite a relaxed selling language because English is the first language.   Andrew Rhatigan (09:01) and location being a jumping off point for the rest of Europe. So we see a lot of ⁓ entrepreneurs, expats, musicians, sports people who are looking at Ireland as a base even for themselves from a personal perspective as well.   Jason Hull (09:01) and location being a jumping-on point for the rest of Europe. So we see a lot of entrepreneurs, ec-pats, musicians, people who are looking at Ireland as a face, even from themselves from a personal perspective   as well. Yeah, I like it. Well, I love what you said about the sales process, that you're not trying to shove them or push them into a particular vehicle. You're trying to figure out what would be best for them. And I think that's really the crux of actual   valuable, true selling. It's not about trying to force people or convince people to buy a product or a service or to get into something. It's about figuring out, do they even need what maybe I could offer them? And if they do need it, do they want it from me? Instead of trying to push them. And I think there's been a huge shift I've noticed in the last, I guess since COVID, we're kind of in this post trust era.   Everybody got kind of burned by COVID because they realized, hey, we were kind of all duped and tricked to some degree. then we're like, especially in the States here in the U.S., we're figuring out, well, voting sort of been fake and food's been fake and everything politically we're lied to and medical stuff is all this stuff is coming out as fake. And right now it seems like now the stuff talked about on the news is the weather's fake. so.   We're like, we feel so manipulated and we feel like we've been lied to in so many ways that trust is at this all time low. The one thing that I've noticed that people trust though, is they trust themselves. And so I think that there's a new model of selling that's really come about as a result of this. If you're trying to be effective and that's being more empathetic, it's allowing them to figure out what they want and what they need rather than just pitching and pushing.   like the old school strategies that you've gotten from all these sales gurus and trainers that have existed for the last decade or two.   Andrew Rhatigan (10:51) Absolutely. I couldn't agree   more. And I think another side of it when you're in property or real estate is you are already a level below general viewpoints on selling because I was in the car business and in the car business, people are anxious. They're wondering if they're going to be sold something that doesn't suit. Are you telling them the truth? And I suppose some great lessons I learned from a wonderful book by Chris Voss called Never Split the Difference. I'm sure anyone in properties read it or listen to it is   Jason Hull (11:04) anxious.   I'm telling them the truth. And I suppose some great lessons I learned from a wonderful book by Chris Voss called Never Split the Difference. I hear anyone in properties register or listen to it.   Andrew Rhatigan (11:17) I really lean into all the fears that people have and I don't use them as a tool to sell them. I use them as a tool to say, look, I know what you're thinking. And, you know, a real estate agent is going to sell you any deal under the sun just to get a deal. So I suppose how I actually booked the trend of that,   Jason Hull (11:17) I really lean into all the fears that people have and I don't use them as a tool to sell them. I use them as a tool to say, look, I know what you're thinking. then, know, I read a sad agent just going to sell you any deal under the sun just to get a deal. So I suppose how I actually booked the trend of that.   Andrew Rhatigan (11:33) the way we price things and our fee is actually you pay us upfront. And the reason you do that is it turns the volume down on the opinions of others around you. rather than me doing a deal for a potentially high fee,   Jason Hull (11:34) the way we price things that our fee is actually you pay us upfront. And the reason you do that is it turns the volume down on the opinions of others around you. So rather than me doing a deal for a potentially high fee   and frantically searching for something to shoehorn you into, I understand what your needs are. We price the package up from day one. It's fixed and you either can pay it all upfront or pay it in monthly installments. But two things that does, it enables.   Andrew Rhatigan (11:45) and frantically searching for something to shoehorn you into. I understand what your needs are. We price a package from day one. It's fixed and you either can pay it all upfront or pay it in monthly installments. two things that does, it enables and empowers   me to say, look, Jason, we found you three deals. I actually don't like two of them because they don't make sense. One here is interesting, but I don't think it's for you just yet. There's no incentive for me not to put you into it. But by paying me upfront,   Jason Hull (12:01) Yeah   Andrew Rhatigan (12:13) you're paying me to tell you no. And I suppose I'm trying to really lean into that trust factor with people, which is trust me enough to pay me, but then you're going to benefit because I'm going to see you right rather than see you do a deal for the sake of closing a fee and a hope for moving on and you lose   my number. No interest. I prefer long-term relationships. And I would prefer, especially in this world now, I mean, if you gave me what 13 hours, I could be sitting in that cool room of yours talking to you. So the world is so small that   Jason Hull (12:29) No interest. prefer long-term relationships and I would prefer, especially in this world now, mean, if you gave me what, 13 hours, I could be sitting in that cool room of yours talking to the world is so small,   Andrew Rhatigan (12:42) build a relationship for the long term. And it means that it then lives beyond our interaction for other people to be referred to, to enjoy, to get some value from. And I love that. It just goes back to the old school way of building trust.   Jason Hull (12:43) but build a relationship for the long-term. And it means that it then lives beyond our interaction for other people to be referred to, to enjoy, to get some value from. And I love that. It just goes back to the old school way of building trust. Yeah, I love it. I think that's a unique model to have them pay you upfront.   then you said it turns down the volume around you. Yeah, because the challenge is a lot of people's first starting point, they will go to real estate agents, which they have a very strong incentive to get a commission out of any sort of investment or real estate deal. And they're usually not really well versed in giving you good investment advice anyway, and let alone having an incentive to do so. And so this is why a lot of   Smart investors will actually usually start by talking to a property manager first, like what properties, what areas are good to have, what sort of property would be a good investment, because they're actually living in it, you know, they're actually living with that property and managing it, making sure that it can cash flow and is effective. And they're doing this for lots of different properties in that market. And so finding a good property manager is a resource. With the stuff that you do over there in Ireland,   property manager's piece of the puzzle.   Andrew Rhatigan (13:59) Yes, so I think we're probably in the grand scheme of how Ireland works. We're probably about 15 to 20 years behind the states in a number of ways. So I suppose you're still going to have a mixture of localized property managers who are very, you know, it's a hobbyist, it's a lifestyle piece where they get, let's say up to maybe 80 to a hundred doors and they can manage it themselves with a certain level of admin, but it becomes more of a practical lifestyle piece for them. But I suppose the other side of it is   Jason Hull (14:25) I suppose the other side   of it is you can then suddenly become a busy fool and you're not able to continue building relationships with people. Servicing clients becomes a challenge. So we're seeing a layer of both technology and I suppose a need for those who want to support larger funds. you have a lot of the investment funds coming in from all over the world and they're looking at Ireland or they're working at Ireland as a good base to be able to buy or build.   Andrew Rhatigan (14:27) you can then suddenly become a busy fool and you're not able to continue building relationships with people. ⁓ Servicing clients becomes a challenge. So we are seeing a layer of both technology and I suppose a need for those who want to support larger funds. So you have a lot of the I-Res, know, the investment funds coming in from all over the world and they're looking at Ireland or they were looking at Ireland as a good base to be able to buy or build purpose-built   Jason Hull (14:52) purpose-built rental facilities. So when you look at Ireland   Andrew Rhatigan (14:52) rental facilities. So when you look at Ireland now,   Jason Hull (14:56) now, you are seeing a prominence of people seeing value in having that layered system of a service you can log an issue in, a ⁓ one-tier contact system where you don't have to forget that Mary looks after accounts, but she doesn't look after facilities, and John looks after X and not Y. And I think people are looking   Andrew Rhatigan (14:56) you are seeing a prominence of people seeing value in having that layered system of, know, a service you can log an issue with. I suppose a one tier contact system where you don't have to forget that Mary looks after accounts, but she doesn't look after facilities and John looks after X and not Y. And I think people are looking at that   as an opportunity to streamline a service for people. But I suppose to be honest with you as well, the challenge for us historically is   Jason Hull (15:17) to streamline the service for people. And I suppose to be honest with you as well, the challenge for us historically   is those who want property managed, understanding the value involved and having someone, like you said, who does it every day, knows exactly how to deal with people, who understand the nuances of it, and paying them to do so on an ongoing basis so they can outsource that whole process and that support going forward. Got it. All right, we're gonna have a quick word from our sponsor, which is Blanket. So Blanket,   Andrew Rhatigan (15:24) those who want property managed understanding the value involved in having someone like you said, who does it every day, who knows exactly how to deal with people, who understands the nuances of it and paying them to do so on an ongoing basis so they can outsource that thought process and that support going forward.   Jason Hull (15:47) is a property retention and growth platform that helps property managers stop losing doors and add more revenue and increase the number of properties they manage while your clients with a branded investor dashboard and an off-market marketplace, while your team gets all the tools they need to identify owners at risk of churning and powerful systems to help you add more doors. So check out Blanket, I think it's a really cool platform. So, all right, back to you, Andrew. So Andrew, what?   Do you feel like you would like the rest of the United States investment world and property managers to know about Ireland? Like what, what don't we know about it? Cause we're kind of in our bubble here in the unit US a lot of times. So.   Andrew Rhatigan (16:28) You know, I think it's   probably amazing when you look at the history of Ireland's role in the world. We're quite a new country in the grand scheme of the value we've driven internationally. And I suppose we've got obviously a very long standing historic and positive relationship with the states generally by virtue of, I suppose, our connections with the United States and that history that we have obviously going over there for a long time. But I suppose what's happening now in the last two decades is we have a lot of companies that have really shown their muster. We've had a lot of   Jason Hull (16:49) street.   But I suppose what's happening now in last two decades is we have a lot of companies that have really shown their muster. We've had a lot   of growth from an economic perspective and we have companies and people that are probably making the most money they've ever made and they're going to put it to work. I suppose another challenge or I see challenges as opportunities as well is the Irish market at the moment is in dire need of more supply and we have some stringent planning laws that are going through.   Andrew Rhatigan (16:58) growth from an economic perspective. And we have companies and people that are probably making the most money they've ever made and they're looking to put it to work. But I suppose another challenge or I see challenges as opportunities as well is the Irish market at the moment is in in dire need of more supply. And we have some stringent planning laws that are going through.   I suppose that they're going through the ringer at the moment because you have developers who want to build and they want to grow.   Jason Hull (17:20) I suppose that they're going through the ringer at the moment because you have to have developers who want to build and they want to   grow and they've been stymied by a system that it can be clunky and quite slow. But I suppose when I look at Ireland from the perspective of an international platform, it's very easy to overlook everything we have that we don't have extreme heat, don't have extreme...   Andrew Rhatigan (17:26) and they've been stymied by a system that it can be clunky and quite slow. But I suppose when I look at Ireland from the perspective of an international platform, it's very easy to overlook everything we have that we don't have extreme heat. We don't have extreme climate   events. I suppose when it comes to being central, a lot of companies have chosen Ireland because it's a good HQ for their employee base. You're going to get great talent, but you can also travel around Europe. But when people look at Ireland from an international point of view, we still have so much land.   Jason Hull (17:40) I think there   is scope in the future to take a longer term view as to what Ireland could become from a development point of view. I think internationally there's a lot of points we could take from   Andrew Rhatigan (17:55) that is undeveloped, that I think there is scope in the future to take a longer term view as to what Ireland could become from a development point of view. And I think internationally, there's a lot of points we could take from   clever use of building, repurposing commercial developments, repurposing commercial buildings into residential, and also taking a view to exponential growth of these large companies that will need somewhere to grow and adapt and obviously as the population grows.   Jason Hull (18:08) Clever use of building, repurposing commercial developments, repurposing commercial buildings into residential and also taking a view to exponential growth of these large companies that will need somewhere to grow and adapt and obviously if the population   grows. But I think the opportunity for international people is to take a view as to unique building practices, potentially the next iteration of life at let's say data centers. At the moment they're in flux in Ireland, but I also   Andrew Rhatigan (18:23) But I think the opportunity for international people is to take a view as to unique building practices, potentially the next iteration of the likes of let's say data centers. At the moment they're in flux in Ireland, but I also think that people   Jason Hull (18:38) think that people can sometimes be overwhelmed by the concept of the perceived challenges and not seek out the unique opportunities. It's often like many business people who set up in the recession would say that was the best time to set up because it gave them the most opportunity.   Andrew Rhatigan (18:38) can sometimes be overwhelmed by the concept of the perceived challenges and not seek out the unique opportunities. And it's often like many business people who set up in the recession would say that was the best time to set up because it gave them the most opportunity.   I think this unique position Ireland is in is we have all this space, we haven't used it, building is in flux, but I do think if someone came in with a long term view, there is great scope for growth, but it's just about taking an outside eye and having the patience and the determination to see it through.   Jason Hull (18:53) I think this unique position our own disease we have all this space we haven't used it building is in flux but I do think if someone came in with a long-term view there is great scope for growth but it's just about taking an outside eye and having the patience and the determination to see it through.   Okay, so maybe some listening will have that long-term vision. there's no extreme client, good talent, people speak English there, which is great for us Americans, right? Europe travel hub, there's plenty of undeveloped land, so there's investment opportunities and maybe some potential data centers being built there, stuff like this. So it sounds like there's a lot of good things that could be potentially happening in Ireland.   So this is a really dumb random question, but how do the Irish in Ireland view the state celebrating St. Patrick's Day and kiss me I'm Irish and drinking green beer and all that?   Andrew Rhatigan (19:48) Well, I can, I can only speak for myself and those I know. I suppose the, one of the things that's very profound as an Irish person is you can overlook everything we have when you're here all the time. So the exact example, let's say someone who lives in New York, Times Square is just there and they just assume it's, always going to be there. The, know, if you're in Paris, the Eiffel Tower, et cetera. When you think of the impact and the relationships Ireland has with so many countries, much like the States, it can actually   Jason Hull (20:14) it can   actually, it puts manners on you quite quickly when you take a good grant because you realise...   Andrew Rhatigan (20:14) It puts manners on you quite quickly when you take it for granted, because you realize that this large   country that isn't Ireland, that doesn't have to love us the way it does, or doesn't have to embrace it the way it does, I suppose, engineers a wonderful experience for people to appreciate all things Irish, whether that be the connection to Ireland, the appreciation of having been here on holidays. And I suppose one of the things that is amazing every year is seeing that, I suppose, collection of nations that come together for a day that   Jason Hull (20:19) that isn't Ireland, that doesn't have to lovus the way it does, or doesn't have to embrace it the way it does, really, I suppose, engineers a wonderful experience for people to appreciate all the things Irish, whether that be the connection to Ireland, the appreciation of having been here on holidays. And I suppose one of the things that is amazing every year is seeing that, I suppose, collection of nations that come together for   a day that oftentimes people might overlook in general terms by virtue of holidays. But I think probably what it stands for is more that   Andrew Rhatigan (20:42) Oftentimes people might overlook in general terms by virtue of holidays, but I think it's probably what it stands for is more that camaraderie   openness. You know, Ireland has changed a lot in the last number of years. ⁓ And I suppose there is like everything there's always going to be the cheesy factor of people who, you know, do the kiss me I'm Irish and whatever else. But I would rather people embrace what it is we are as a very small country and they appreciate that. Like that's that's a phenomenal thing to me. And the fact that it just continues to grow each year and it's still quite amazing.   Jason Hull (20:49) I mean it's a popular thing. We wear green just to celebrate your   country.   You know, really kind of. So, help me understand this idea of this innovative approach that's saving investors 80 hours a month and retaining 10 % or more value in their property transactions. So, explain this to   Andrew Rhatigan (21:32) So oftentimes in Ireland, just to give you a backdrop as to how real estate agency works here, we have a very small number of buying agents. So let's say we're one of only, I would say between three and five buying agents in the entirety of Ireland. There may be more that I'm not aware of, but ones that would be more prominent. And when you look at how people tend to view a real estate transaction, it tends to be very DIY. So people in a residential setting, it's not a standard practice to...   Jason Hull (21:54) So people in a residential setting, it's not a standard practice   to hire a buying agent and then the buying agent splits the fee with the selling agent. Oftentimes you'd have someone that meets, let's say us, and they could say, oh, I have to pay you upfront before you buy me a house. I could just do it myself, much like some partners. Right. when we're working with people and the structure we've put together is we want people, especially at the level we work with, you know, they're investors, they're C-suite executives, they're ex-paths, high net worth.   Andrew Rhatigan (21:58) hire a buying agent and then the buying agent splits the fee with the selling agent. Oftentimes you could have someone that meets, let's say us, and they could say, I have to pay you upfront before you buy me a house. I can just do it myself, much like someone deciding to paint the garden gate. So when we're working with people and the structure we've put together is we want people, especially at the level we work with, know, they're investors, they're C-suite executives, they're ex-paths, high net worth.   They're busy building their own lives and their own, ⁓ their own vision of what they want in a different area of life. So essentially by understanding what people want, we then set about and do everything else for them. So we're searching on the ground. We're sending them deals. We're putting together an overview of what life and business and property potential is like on the ground while they're living life. And the idea being that they don't have to spend time communicating with eight or nine different agents to understand an area.   Jason Hull (22:23) They're busy building their own lives and their own vision of what they want in a different area of life. So essentially by understanding what people want, we then set it out and do everything else for them. So we're searching on the ground, we're sending them deals, we're putting together an overview of what life and business and property potential is like on the ground or their living life. And the idea being that they don't have to spend time communicating with eight or nine different agents to understand an area.   Andrew Rhatigan (22:51) we are the one single point of contact. So when   Jason Hull (22:51) We are the one single point of contact.   Andrew Rhatigan (22:53) someone signs with us, part of the deal they have to agree to is, and the reason we do it is we become the one person, the one conduit that they can ask a question to. And much like you said with your St. Patrick's Day question, there's no such thing as a dumb question. So when you have one person that's advocating for you, you could say to me, Jason, let's say, I've heard that such and such is this big issue in this part of the country. You ask us the question and then we find you the answer rather than.   Jason Hull (22:53) So when someone signs with us, part of the deal they have to agree to is, and the reason we do it is, we become the one person, the one conduit, that they can ask a question to. And much like you said with your St. Patrick's Day question, there's no such thing as a dumb question. So we have one person that's advocating for you. You can say to me, Jason, let's say, I've heard that such and such is this big issue in this part of the country. You ask us the question and then we find you the answer, rather than   Andrew Rhatigan (23:19) you asking someone else who maybe doesn't understand your situation, doesn't   Jason Hull (23:19) you asking someone else who maybe doesn't understand your situation.   Andrew Rhatigan (23:22) care enough to do the due diligence that you require. And a big part of why we do that is it simplifies the process for people. It provides one simple channel of communication, but it also buffers them from the market itself. Because if I'm looking at different deals, I might have 10 or 15 clients at any given time. And the agents who see me, they know me, they see me coming.   Jason Hull (23:22) doesn't care enough to do the due diligence that you require. And a big part of why we do that is it simplifies the process for people. It provides one simple channel of communication, but it also buffers them from the market itself. Because if I'm looking at different deals, I might have 10 or 15 clients at any given time. And the agents who see me, they know me, they see me   coming, and they know that I'm acting on behalf of someone who, as Bonafides, owns in place.   Andrew Rhatigan (23:44) and they know that I'm acting on behalf of someone who has a bona fides funds in place.   And it means that you're not going to get marketed to, you're not going to have someone that goes around me to contact Jason to try and do a deal. But it also means that when you're working with us, you've paid us to do what matters most for you and not try and do and deal with any agents. So we don't split fees with agents. No one can incentivize me to make it interesting. And I suppose where that freedom is for other people. And I suppose the education for people internationally is   Jason Hull (23:50) And it means that you're not going to get marketed to, you're not going to have someone that goes around me to contact Jason to try and do a deal. But it also means that when you're working with us, you paid us to do what matters most for you and not try and do a deal with any agent. So we don't split fees with agents. No one can incentivize me to make it interesting. And I suppose where that freedom is for other people and I suppose the education for people internationally   is they're paying me like a consultant in a surgery in a doctor's suite that's advocating for them.   Andrew Rhatigan (24:13) They're paying me like a consultant in a surgery or in a doctor's suite that's advocating for them and   not what they can get along the way. who can incentive, you know, make me the best offer and I'll throw them your way. No interest. And then when it comes to savings, what we do is the Irish property market is also very nuanced. So we don't have, you know, seven day closings or escrow accounts that have a binding contract in the space of a couple of days. Ireland's sales process can be very protracted.   Jason Hull (24:20) and not what they can get along the way. who can incentive, know, make me the best offer and I'll throw them your way. No interest. And then when it comes to savings, what we do is the Irish property market is also very nuanced. So we don't have, you know, seven day closings or escrow accounts that have a binding contract in the space of a couple of days. Ireland's sales process can be very protracted.   Andrew Rhatigan (24:42) So when we're involved and we understand the nuances of a sale, we can save people time and money because the seller has different motivations. One   Jason Hull (24:42) So when we're involved and we understand the nuances of the sale, we can save people time and money because the seller has different motivations.   Andrew Rhatigan (24:49) person may need time, so they may want less money, but more time in a property. Another person may have financial commitments that they have to adhere to, and we might be able to put something together. Other people, could be a bereavement where they have to offload a part of their property portfolio for tax reasons or for personal reasons. So because we can understand and get to the crux of a sale background quite quickly,   Jason Hull (24:50) One person may need time, so they may want less money but more time on the property. Another person may have financial commitments that they have to adhere to and might be able to put something together. Other people it could be a bereavement where they have to offload a part of their property portfolio for tax reasons or personal reasons.   So because we can understand and get the crux of the sale background quite quickly,   Andrew Rhatigan (25:10) I can save people time by telling them there's no point engaging in this because it's an illegal battle. It's going to take time. Or I might say, look, they're asking X, but they'll take Y. They just want Christmas in the house until we take over the sale. And by understanding that you can find that sweet spot and capitalize and save them the money where it matters most.   Jason Hull (25:10) I can save people time by telling them there's no point engaging in this because it's an illegal battle. It's going to take time. Or I might say, look, they're asking X, but they'll take Y. They just want Christmas in the house until they take off the sale. And by understanding that, you can find that sweet spot and capitalize and save them the money where it matters most. Got it. Yeah. So you're this advocate that helps them kind of balance the negotiation between time.   money, all the needs of the buyer and the seller and make sure that this is working. You're advocating for them. You're advocating for them. So what else would you like to share before we wrap up? And then how can people connect with you if they're interested in maybe hearing more about investing in this in Ireland market?   Andrew Rhatigan (25:57) Yeah, so first and foremost,   suppose one of the challenges when you're coming from abroad is when you're not on the ground, it's very difficult to be heard. And I think oftentimes people will be SEO and Googled within an inch of their life, looking at properties or looking at areas that are sold as a particular dream to them via this lovely screen that's curated through carefully utilized marketing platforms. And I suppose when people, if they're looking from the States, one big thing I would say is an agent in Ireland, if you, if you   Jason Hull (26:15) that's curated through carefully utilized marketing platforms. Right. Because when people, they're looking from the States, one big thing I would say is an agent in Ireland, if you   request details from an ad, isn't going to tell you it's not going to suit your needs. They're just going to sell you what they have for sale. Yeah. But oftentimes, when I encourage anyone when they're assessing Ireland, even if you're only paying a small fee to understand whether this is a market that's going to suit your needs or not, it's important to reach out to someone. It doesn't have to be me.   Andrew Rhatigan (26:25) request details from an ad isn't going to tell you it's not going to suit your needs. They're just going to sell you what they have for sale. And oftentimes, when I encourage anyone when they're assessing Ireland, even if you're only paying a small fee to understand whether this is this is a market that's going to suit your needs or not, it's important to reach out to someone. It doesn't have to be me. That   will give you a practical on the ground look at what your money is going to do for you and if Ireland is going to suit. And a prime example would be today we had an American client   Jason Hull (26:45) that would give you a practical on the ground look at what your money is going to do for you and if Ireland is going to suit and a prime example would be today we had an American client   Andrew Rhatigan (26:54) very successful and they went through an ad to find a property in a certain part of Ireland that was absolutely not going to suit their needs. And it was a very high value property, all things considered. And by spending time with us, we showed them what they could have without skin in the game. And   Jason Hull (26:55) very successful and they went through an ad to find a property in a certain part of Ireland that was absolutely not going to suit their needs and was very high value property all considered and by spending time with us we showed them what they could have without getting the game   Andrew Rhatigan (27:10) we completely changed the narrative. So they would have been buying in a very industrial area. It would have been very imposing. They wouldn't have been getting what Ireland is all about. And then   Jason Hull (27:11) and we completely changed the narrative. So they would have been buying in a very industrial area. It would have been very imposing. They wouldn't have been getting what Ireland is all about. Wow.   Andrew Rhatigan (27:20) by showing them this and giving them the time they needed to kind of transition almost like, you know what, if you're up a mountain to acclimatize, we've now agreed them a property as of today that saved them 450,000 on their budget and has totally flipped the script on where they thought they wanted to buy. So instead of buying industrial, they're   Jason Hull (27:21) By showing them this and giving them the time they needed to kind of transition, almost like, you know what, if you're going up a mountain to acclimatise, we've now agreed them a property as of today that saved them 450,000 on their budget and is totally fit to script on where they thought they wanted to buy. So instead of buying industrial.   Andrew Rhatigan (27:39) buying by the ocean. And instead of buying something that's brand new, that looks great today, they're buying something that's got great pedigree. And instead of just being sold something for the sake of transacting,   Jason Hull (27:39) they're buying by the ocean and instead of buying something brand new that looks great today, they're buying something that's got great pedigree. And instead of just being sold something for the sake of transacting,   Andrew Rhatigan (27:48) they've been guided to something that's going to suit their risk tolerance, their life now, and also the future if they chose to rent it in time to come. So that's just a simple example of what we do regularly.   Jason Hull (27:49) they've been guided to something that's gonna suit their risk tolerance, their life now, and also the future if they chose to invest in the time to come. So that's just a simple example of what we do regularly. Nice, yeah. So instead of being manipulated by marketing, thinking you're buying some beautiful Irish property in Ireland,   and you end up in an industrial area with something shiny and new that maybe isn't going to really suit your needs, then it'd be better to have a conversation with somebody that's real solid boots on the ground that are going to take a look at things and help you figure out what's actually going to help you reach your goals. Exactly. And people tend to reach out to   Andrew Rhatigan (28:23) Exactly. And people tend to reach out to me through   either RRE.ie that's our website. And we also, I'm very active on LinkedIn. So anyone that wants to connect or ask questions or book a zoom or a virtual coffee is more than happy to do so. I suppose a big part of what I love about my business and it's, it's, suppose as an entrepreneur as well, as much like meeting people like you is I love interesting conversation and meeting people with dynamic outlooks and personalities. And that kind of layers in what I do in property. But first and foremost, I love meeting people as well.   Jason Hull (28:28) and we'll.   It's, I suppose it's.   Fantastic. What's ⁓   the website again?   Andrew Rhatigan (28:54) It's RRE.ie   so R if I'm putting an American twang on it, it would be RRE.ie.   Jason Hull (28:58) Yeah.   R R E dot I E.   Andrew Rhatigan (29:01) IE so Rhatigan real estate and the dot IE is the Irish   domain version of dot com.   Jason Hull (29:08) IE, okay,   got it, okay. It couldn't get IR, I guess, so.   Andrew Rhatigan (29:12) No, it   was IE. We also have Rhatiganrealestate.com, but RRE would be the original website that we had.   Jason Hull (29:16) Okay.   Got it. Okay. All right. Thank you. All right. Cool. Andrew, great having you on the show. Very interesting to hear what's going on across the pond, as they say, and appreciate you being here and sharing your insight and your wisdom with us. right. Cool. So for those of you that maybe felt stuck or stagnant in your property management business, reach out to us at doorgroot.com. We would love to see if we could help you out. You can also join our free   Andrew Rhatigan (29:32) Absolute pleasure, delighted to be here.   Jason Hull (29:45) Facebook community just for property management business owners at doorgrowclub.com. And if you found this even a little bit helpful, don't forget to subscribe and leave us a review. We'd really appreciate it. And until next time, remember the slowest path to growth is to do it alone. So let's grow together. Bye everyone.  

College Football Week 0 is in the books, and that means we're in Week 1 game week for high school football! Our 8th Annual Prep Pigskin Preview is here, and as usual we're joined by a collection of media members and experts from around the state giving us a preview of their area's teams, players, and storylines high school football fans should be looking out for this fall! Take a listen, be sure to check out all the expert's social media pages, hit us up, and enjoy the action on the gridiron this fall! FOOTBALL!! Jason Hutton (@jhutt5): 15:12 Brian Calloway (@brian_calloway): 25:20 Austin Szumowicz (@AustinSzumowicz): 27:53 Brady Beedon (@Brady_Beedon): 34:26 Tyler Graham (@MichFBFrenzy): 39:45 Jerod Fattal (@jerodfattal): 42:58 Aaron Houle (@FlintPrepFan): 53:18 Tyler Young (@foxsportsmqt): 1:03:28 Matthew Scheidel (@mscheidel315): 1:08:16 Geoff Kimmerly (@MHSAA): 1:13:37 Corunna HC Jason Beldyga (@CorunnaCavsFB): 1:16:42 Thanks also to: Memorial Healthcare Wellness Center, Rivals Taphouse & Grille, Kori Shook & Associates, Success Group Mortgage & Servicing, Nelson House Funeral Home, Jacobs Insurance, AZee Branding Solutions, Shiawassee County Fair, Nichols Painting, SportsNet MI

Servicing a leaky tire on a dump truck almost brought an end to not just John Melosci's tire industry career, but his life. Melosci recounts the day he took a shortcut while on a service call. It was 35 years ago. This third-generation tire dealer still confronts the aftereffects of the incident all these years later. He tells his story on this episode of The Modern Tire Dealer Show.

Football season may be upon us, but summertime in Michigan means golf, and we're joined by someone who knows all about the golf scene in Michigan on Ep. 373. Bill Hobson of Michigan Golf Live (@mglbill) checks in with us to talk about some hidden gem courses in Michigan, how he got into the golf content field, as well as some really cool stories from his time covering the game. Fans of 3PP know we're football guys, and the ultimate football position is the fullback. Matt Saunders of Last of the Fullbacks (@TheLastFullback) hops on to talk about his content, how the game of football has evolved, and why he loves the fullback position. Also, the NCAA completed their investigation of the Michigan football program, and no hammer was dropped. We give our thoughts on that whole situation, and plenty more on this week's podcast. Check out our guests' pages and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Nelson House Funeral Home, Rivals Taphouse & Grille, Kori Shook & Associates, Success Group Mortgage & Servicing, Jacobs Insurance, AZee Branding Solutions, Shiawassee County Fair, SportsNet MI

We're hitting mid-August, summer is starting to wind down, and it's clear what is around the corner: football season. The Lions are 1-1 in the preseason, but are these games telling us anything? The Wolverines are back on the practice field with a new QB at the helm, will they be able to build off of the strong finish last season? The Tigers are stumbling but still leading the AL Central, are the playoffs still a sure thing? Also, a Tedertainment Tonight with Untamed, UnREAL, and The Hunting Wives reviews. All that and more, take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Rivals Taphouse & Grille, Nelson House Funeral Home, Success Group Mortgage & Servicing, Kori Shook & Associates, Jacobs Insurance, AZee Branding Solutions, Shiawassee County Fair, SportsNet MI

Football season is upon us with college football camps underway, the Lions starting the season off in the Hall of Fame game vs the Chargers, and high school football gearing up to get going. We talk about the rough preseason opener for the Lions, and are also joined by Michigan high school football coaching legend Noel Dean to talk about his career and what he's building in Chelsea. Also, some Tigers talk, a little more Happy Gilmore 2, and more. Take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Rivals Taphouse & Grille, Nelson House Funeral Home, AZee Branding Solutions, Kori Shook & Associates, Success Group Mortgage & Servicing, Jacobs Insurance, Shiawassee County Fair, SportsNet MI

Tired of crowded markets? Scott Carson unearths a hidden gem: land note investing with Jake Huddleston from TerraNotes.com! Learn how to transform raw land into cash-flowing assets.Discover Jake's secrets to building a massive portfolio of over 2,000 acres and why he is the man behind the note servicing software, Terra Notes! Uncover a world beyond traditional note investing.What you'll learn:Huddleston's Journey: How he overcame early struggles to master land notes.Bass Boat Target: Understand land investments that attract buyers with disposable income.Note Terms (10/10/10): Learn the proven structure for land note deals.Creative Financing: Master the art of seller financing in land transactions.TeraNotes Platform: Streamline your note servicing with user-friendly software.More than just passive income: this is freedom! Find out the secrets and check the site to help make land note investing a breeze.Check out TerraaNotes.com/weclosednotes to get started! #noteinvesting #landinvesting #creativefinancingWatch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestSign up for the next FREE Note Weekend Class HERE!

The Tigers had a rough stretch after the All-Star Game but they're back to winning, do we think they'll make any big moves at the trade deadline or go forward with the squad they have? NFL Preseason football is here with the Lions taking on the Chargers in the Hall of Fame game, should the Lions be the favorite in the NFC North? Happy Gilmore 2 and Amy Bradley Is Missing reviews in Tedertainment Tonight, and plenty more! Take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Rivals Taphouse & Grille, Nelson House Funeral Home, Success Group Mortgage & Servicing, Kori Shook & Associates, Jacobs Insurance, AZee Branding Solutions, Shiawassee County Fair, SportsNet MI

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The Midsummer Classic is behind us, and the Tigers players not only didn't look great in the game, but the skid continues for the team. Should fans be worried in Detroit? Also, the drama continues in the WNBA, should the players be getting a bigger piece of the pie? Lastly, Tony Nash from AZee Branding Solutions, Dawn Reha from the Shiawassee County Fair, and Kori Shook of Kori Shook & Associates all join us in our second Partner Podcast of 2025. Check their pages out, take a listen to the pod, and hit us up! Thanks to: Memorial Healthcare Wellness Center, Nelson House Funeral Home, Kori Shook & Associates, Success Group Mortgage & Servicing, Rivals Taphouse & Grille, Jacobs Insurance, Shiawassee County Fair, AZee Branding Solutions, SportsNet MI

The Midsummer Classic is here for the '25 MLB season and 6 Tigers have made the game, but with a losing streak before the break should there be panic in Detroit? Also, we are joined by 3 of our awesome partners to update us on their businesses and everything going on within their fields. Check their pages out, take a listen, and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Jacobs Insurance, Success Group Mortgage & Servicing, Nelson House Funeral Home, Kori Shook & Associates, AZee Branding Solutions, Shiawassee County Fair, Rivals Taphouse & Grille, SportsNet MI

Have you ever sat down to do something that you feel is important, such as prospect new people, follow up with prospects stuck in your sales pipeline, or prep for an appointment, only to have the moment hijacked by client interruptions? It might start with a quick client email, then a call from a client about their portfolio, followed by a text from a client to reschedule, and the next thing you know, an hour has gone by. This process could continue, and the entire day might pass without you ever getting to the essential things you intended to do. If that sounds familiar, know that you are not alone! Most financial advisors, insurance agents, wholesalers, branch managers, and agency managers have never learned how to master what I call a Defensive Client Servicing System, which is a set of strategies that help you protect your time, minimize distractions, while still providing clients with excellent service. Often, advisors treat each distraction as a fire that they need to put out immediately. They end up thinking a reactive approach rather than a responsive one is a badge of honor, buying into the idea that being “always available” equals excellent service. Unfortunately, constant reactivity isn't sustainable, not for you, your team, or your clients. This episode shares practical strategies that successful advisors and agents have used to identify, build, and benefit from a Defensive Client Servicing System, so you can control your day instead of letting others control it for you!

This episode features Reid Zeising, CEO of Gain Servicing, as he discusses the hidden challenges in personal injury billing, the damaging impact of “medical sludge,” and how smarter revenue cycle strategies combined with technology can restore access and fairness in care delivery. He also unpacks key legislative developments and why true reform must go beyond surface-level change.This episode is sponsored by Gain Servicing.

This episode features Reid Zeising, CEO of Gain Servicing, as he discusses the hidden challenges in personal injury billing, the damaging impact of “medical sludge,” and how smarter revenue cycle strategies combined with technology can restore access and fairness in care delivery. He also unpacks key legislative developments and why true reform must go beyond surface-level change.This episode is sponsored by Gain Servicing.

Are you a note investor wondering how to pick the best loan servicing company? In this episode of the Note Closers Show, Scott Carson reveals his top 5 keys to successful loan servicing and helps you avoid common pitfalls. From licensing and minimums to service support and communication, learn how to navigate the loan servicing landscape and protect your investments.Here's what you'll discover:When to Hire a Servicing Company: Learn when you need to hire a loan servicing company.Red Flags: Self-Servicing: Understand the risks of self-servicing and why third-party servicers are often preferable.Retaining Existing Servicers: How to keep the same servicer for seamless transitions.Licensing Importance: Why ensuring your servicer is licensed in the relevant states is crucial.What To Look For In a Servicer: Navigating the Loan Servicing Landscape.Avoiding Bad Servicers: Learn how a bad servicer made a 50% reinstatement rate.Servicing Options: Uncover a myriad of servicing options available to note investors.Servicing Company Requirements What to Expect When Hiring.Minimums: Avoiding servicing companies with high minimums and monthly bills.Service and Support: The importance of good service, a quality support team, and how to evaluate it.Cost Analysis: How fees and billing practices, can impact your note portfolio.Direct Communication: Learn about the importance of direct communication with servicing counsel.Managing Non-Performing Notes: Strategies for handling non-performing notes with a servicing company.Adjusting Payment Schedules: Adjusting how payments are made on your servicing schedule.The Importance of VA's: Why having a VA is the way to go with managing non-performing notes.Common Mistakes: Discover common challenges and setbacks when working with servicing companies.Firing Your Servicer: When to fire a servicer.Conclusion:Don't let bad loan servicing sink your note portfolio! This episode gives you the knowledge to choose a reliable servicing company and maximize your ROI. Contact me today and let's get you closing!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestGet signed up for the Next Virtual Note Buying Workshop Now!

The heat wave has swept the country, and with the Thunder winning the NBA title, officially wrapping up the NBA season, we are on to the dog days of summer. How long can the Tigers stay atop the MLB standings? Also, Aaron Houle of Flint Prep Fan joins us in the Prep Spotlight as football season is only a couple months away. All that and plenty more on this week's pod, take a listen and hit us up @3pointpod! Thanks to: Memorial Healthcare Wellness Center, Rivals Taphouse & Grille, Nelson House Funeral Home, Shiawassee County Fair, AZee Branding Solutions, Jacobs Insurance, Kori Shook & Associates, Success Group Mortgage & Servicing, SportsNet MI