Podcasts about Sold

Ready for a dose of what's truly possible? This week on the podcast, we've been featuring inspiring Business By Design students who are doing BIG things. Today, we introduce you to Jenny Jaucian, a fitness and sustainable weight loss coach who traded burnout for breakthrough and built a business that truly supports her life. In this episode, Jenny reveals how she used the proven tools and strategies from Business By Design to break free from the exhausting one-on-one, time-for-money grind. She candidly shares the unexpected hurdles she faced and the moves she made that allowed her to create a scalable business, which is one that even let her manage launches while on her honeymoon in Greece! If you're like Jenny and dreaming of building something that allows you to make a significant impact while enjoying genuine freedom, then you won't want to miss the practical lessons and insights from this inspiring episode. It's finally here! The Rise of the Digital CEO is LIVE, and you can join us NOW at www.businessbydesign.net/rise!  Before you go, snap a screenshot of the episode playing on your device, post it to your Instagram Stories and tag us, @jameswedmore @jeunejenni and @jennyjfitness.  For full show notes and links, visit: www.mindyourbusinesspodcast.com/blog/770 

Onion pie, killer aliens, and a car sold to fund a game convention.

In this powerful episode, Steph sits down with Katelyn Denning, life & executive coach for working moms, to share a real, behind-the-scenes look at what it actually takes to go from a client drought to a sold-out group program.Katelyn is a member of the Sold Out Group Programs Mastermind, and her journey is textbook transformation: from wondering if she'd need to get a job again… to filling her one-on-one roster… to launching a group program that exceeded her “best case” goal.You'll hear about:What caused Caitlin's client drought, and how she turned it aroundHow shifting from 1:1 to group helped her scale with easeThe exact steps she followed to launch (and sell out) her group offerHow she rebuilt belief in her business and found her momentum againIf you've ever questioned whether group programs could work for your business, especially if you don't sell business coaching, this episode will show you what's possible when strategy meets self-belief.Don't miss the free live training on June 24th: Fill Your Group Program in 5 Weeks. Sign up at https://stephcrowder.com/workshop

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On the show today, Hailey Bieber has sold her beauty brand, Rhode, for an eye-watering sum, and Justin Bieber’s fiancés might have something to do with it once you dive into their hidden backstory.Plus, Lindsay Lohan has kicked off the press tour for her upcoming movie and TV show, yet there’s one thing derailing her comeback, and we have no choice but to talk about it. Read more about fans' fascination with Lindsay's face here. And Deborra-Lee Furness has officially filed for divorce from Hugh Jackman and then released a statement detailing her soon-to-be ex-husband's betrayal. Subscribe to MamamiaGET IN TOUCH:Do you have feedback or a topic you want us to discuss on The Spill? Send us a voice message, or send us an email thespill@mamamia.com.au and we'll come back to you ASAP!Read all the latest entertainment news on Mamamia... here. THE END BITSThe Spill podcast is on Instagram here.Read all the latest entertainment news on Mamamia... here. Subscribe to MamamiaCREDITSHosts: Laura Brodnik and Ksenija LukichExecutive Producer: Monisha IswaranAudio Producer: Scott Stronach Mamamia studios are styled with furniture from Fenton and Fenton. Visit: fentonandfenton.com.auBecome a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

5.28.25 Hour 3, Lynnell Willingham reacts to Kyle Brandt and Louis Riddick's conflicting comments on the Commanders going into the 2025 season and breaking news of Terry McLaurin not being at voluntary OTA's. Lynnell Willingham and callers give their thoughts and reactions to some Commanders' veteran players not being present at voluntary OTA's. Lynnell Willingham reacts to Terry Bradshaw's comments on not being a fan of Aaron Rodgers signing with the Steelers.

In this episode of Mirror Talk: Soulful Conversations, we dive into the journey of Teri Yu — viral YouTuber turned tech founder and now Director of Product Management at Kajabi. Teri raised over $2.5M, built a thriving online community, and sold her startup Vibely to one of the biggest creator platforms in the world.She shares the real talk behind entrepreneurship: how to avoid burnout as a creator, when to quit your 9-to-5 to start a business, how to know if your idea is worth it, and why 2023 was the perfect moment to start something new. Teri walks us through her founder playbook — from building a product people love to finding product-market fit and knowing when it's time to pivot or sell.This episode is packed with clarity, honesty, and soulful insights for anyone looking to turn their passion into a purpose-driven business.

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Be sure to subscribe to the STE Podcast & turn on bell notifications for any and all uploads. Be sure to try out SpeedyCardLister.AI: https://speedycardlister.aiWelcome to the Sold Too Early Sports Card Podcast. Today, we discuss MLB GOATS.. for like.. a while actually.It's scary how often we get off topic. We then discuss the recent ThirdCoastCardShow an plans for NSCC 2025.Follow us on social media!Kai: https://www.instagram.com/kp2cards/David: https://www.instagram.com/extraordinary_cards/The Shared STE Podcast IG: https://www.instagram.com/soldtooearlypodcast/

Georgia Tann tightens her grip on adoption in the city of Memphis, with the help of a growing network of accomplices.Be the first to know about Wondery's newest podcasts, curated recommendations, and more! Sign up now at https://wondery.fm/wonderynewsletterListen to American Scandal on the Wondery App or wherever you get your podcasts. Experience all episodes ad-free and be the first to binge the newest season. Unlock exclusive early access by joining Wondery+ in the Wondery App, Apple Podcasts or Spotify. Start your free trial today by visiting wondery.com/links/american-scandal/ now.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Trevor Cowley sits down with Tyler Turley — a man who went from selling insurance in Idaho to helping build a multi 8-figure beauty empire with his wife, McKenzie. Tyler Turley didn't raise capital. He didn't wait for a green light. He solved a problem in his insurance business, built the tool himself, and sold the whole thing when it started catching fire. This episode is a masterclass in building out of necessity, scaling with grit, and what really happens when you “make it.” He's built, sold, and built again. And now he's helping others do the same. If you are ready to level up personally and professionally, go to joinrbo.com

For the full transcript of Episode 336 plus a link to free download How to Make Your Free Offer Irresistible go here.Other episodes/resources mentioned:#288 —What Inspires People to Invest in Your Coaching #164 — Why Your Personal Story is Valuable to Coaching Clients#124 through #129 series on Lead MagnetsNail Your Niche session with RhondaInspiring your audience to enroll in private coaching isn't at all like selling a gadget, clothing or makeup on Instagram.Because coaching is intimate, pricey and hopefully long-term, your prospects need to TRUST YOU before they hire you. Nurturing future ideal coaching clients is the #1 goal of all messaging, whether in podcast episodes, social posts or emails.Emails are a strategic part of generosity marketing, which is about creating content that relates, entertains, educates and inspires your most ideal prospects to follow you and then some, to hire you.But no single message is a one-hit-wonder. The trust building process is coordinated and meant to take time.You will benefit from a slower sales arc because it attracts clients who are pre-sold to work with YOU, will commit to the process and won't regret the investment.I'd love to hear from you. Stay inspired and make things happen! - Rhonda Hess, Prosperous Coach Rhonda Hess helps new coaches leverage their zone of genius into a profitable coaching niche and launch with confidence. For VIP step-by-step support apply for Rhonda's VIP Coaching Business Breakthrough Program here and she'll be in touch to invite you a discovery call. Or if you're stuck on your coaching niche, grab a Nail Your Niche Strategy Session with Rhonda here.

Victoria Varberg works in conservation now — specifically raising money to help protect rhinos at Ol Pejeta Conservancy in Kenya. In this episode, she talks about how she got into that world, what it's really like working in international fundraising, and how much of what she learned from selling books still applies.She also tells the story of her craziest week on the book field — a stretch that included a cult, a broken-down car, and one of her biggest sales weeks ever.Big thanks to our sponsors over at Cardinal Senior Insurance — and shoutout to everyone who's been supporting the show!Get a sit down with their leadership and ⁠⁠⁠⁠schedule an Interview with Cardinal Senior Benefits⁠Get info about BIZZLER in Greece here: ⁠⁠cassandra@travodyssey.comWelcome to The Pony Tales Podcast, where we dive into the inspiring stories and unique experiences of Southwestern Advantage alumni. Each episode features candid conversations with former book-sellers, exploring how their time selling books shaped their personal and professional lives. From incredible career journeys to valuable life lessons, our guests share the habits, mindset, and challenges that led them to success. Whether you're a former book-seller or just looking for some motivation and wisdom, you'll find something to relate to and learn from in every episode.

The Biggest Lie We're Sold! by Low Mein

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I love American history, and finding tidbits of unknown or misunderstood/inaccurate ideas are some of my favorite ones to discover.  Put it all in a boo about spies during the War for Independence? SOLD!  Listen in to see what you'll find in Megan Soja's Secrets of the Revolution. note: links may be affiliate links that provide me with a small commission at no extra expense to you. In this episode we had a great conversation about what other realities of life were like during the colonial era and what really happened during the Boston Tea Party.   Secrets of the Revolution by Megan Soja The cause of liberty brought them together. Will it also tear them apart? Hannah Pierce is determined to keep her father‘s apothecary shop running, despite his failing health, the heavy burden of her mother's recent death, and the mysterious disappearance of her brother. She'll do whatever it takes to preserve her family's legacy, including joining a dangerous ring of patriot spies...and falling for a revolutionary printer with a brave heart. William Abbott always keeps his promises. He vowed long ago to never abandon those in need like his father did. So when new British acts of Parliament threaten Boston and endanger his family, he throws himself into serving the Patriot cause, using his position at the printing office to gather and spread intelligence. But when his clandestine role in the newly formed spy ring causes him to cross paths with the apothecary's beautiful daughter, he may find himself fighting for more than the cause. As tensions in Boston reach a breaking point, Will and Hannah find their bond deepening even as the noose tightens around the spy ring. When promises and determination are not enough to protect the ones they love, they'll need to trust God if they are to survive what is to come. Learn more about Megan on her WEBSITE and follow her on GoodReads and BookBub. Like to listen on the go? You can find Because Fiction Podcast at: Apple Castbox Google Play Libsyn RSS Spotify Amazon and more!

Send us a textThe first six days of August bring life-changing events into the household.Visit our website: www.VanillawithaSideofKink.comInstagram: VanillawithaSideofKinkAlso, you can learn more about our Shibari Rope Bondage business at www.AllTiedUpSanDiego.comAnd our new operation, the All Good Things Center for Inclusivity and Acceptance. Fetlife.com Group: Vanilla with a Side of Kink - The Podcast

The guys discuss the sale of Old Elk and Dan's visit to High West in Utah

Hilchos Oina'a Part 12: The Kashrus Agency that sold unsalted chickens to Klal Yisrael?!? The FAMOUS Nesivos zt”l, if I eat an Issue D'rabanan by accident there is no Aveira!!!

The 1626 'sale' meant different things to the parties involved: the Native Americans involved had no sense of permanently ceding the lands on which they lived 

Britain's Political Prisoners: Lucy Connolly Starmer Opens Borders to MILLIONS in EU Surrender

Crystal Caudill is one of my favorite historical fiction authors, but when I found out that Written in Secret kicks off a new series that TIES INTO THE OLD ONE???  Totally jazzed. Listen in to find out about the goat.  note: links may be affiliate links that provide me with a small commission at no extra expense to you. From a three-legged goat to someone killing off people and making an author look suspicious, what more can you expect??? Add in a heroine who not only writes as a man BUT... is determined to stop Cincinnatti's corruption, well...  SOLD!  Take my money!  Written in Secret by Crystal Caudill  What happens when fiction becomes reality? In the corruption-infested Queen City, danger lurks in every shadow, but Lydia Pelton refuses to stay silent. She writes under a pseudonym, E. A. Dupin, crafting crime novels to exact justice and right the wrongs she sees in society. When a serial killer decides to be the sword to her pen, Lydia is confronted with the consequences of her words. Four men are dead, and the city blames her. With murders on the rise, Officer Abraham Hall's only lead is Lydia's fiction, and he is thrust into an investigation with the "Killer Queen of Romance." Despite his misgivings about the woman, he realizes that even with his reputation for catching elusive criminals, he needs her help. But his unexpected attraction to Lydia proves as difficult to manage as the woman herself. As the mystery unfolds, Abraham and Lydia race to rewrite the ending, not only for Cincinnati's citizens, but for their own hearts too.  You can find out more about Crystal Caudill on her WEBSITE and follow her on GoodReads and BookBub. You can also join her Facebook Group HERE.  Like to listen on the go? You can find Because Fiction Podcast at: Apple Castbox Google Play Libsyn RSS Spotify Amazon and more!

Cathy Young's new hit piece on Curtis Yarvin (aka Mencius Moldbug) doesn't mince words. Titled The Blogger Who Hates America, it describes him as an "inept", "not exactly coherent" "trollish, ill-informed pseudo-intellectual" notable for his "woefully superficial knowledge and utter ignorance". Yarvin's fans counter that if you look deeper, he has good responses to Young's objections: Both sides are right. The synthesis is that Moldbug sold out. In the late 2000s, Moldbug wrote some genuinely interesting speculations on novel sci-fi variants of autocracy. Admitting that the dictatorships of the 20th century were horrifying, he proposed creative ways to patch their vulnerabilities by combining 18th century monarchy with 22nd century cyberpunk to create something better than either. These ideas might not have been realistic. But they were cool, edgy, and had a certain intellectual appeal. Then in the late 2010s, he caught his first whiff of actual power and dropped it all like a hot potato. The MAGA movement was exactly what 2000s Moldbug feared most - a cancerous outgrowth of democracy riding the same wave of populist anger as the 20th century dictatorships he loathed. But in the hope of winning a temporary political victory, he let them wear him as a skinsuit - giving their normal, boring autocratic tendencies the mystique of the cool, edgy, all-vulnerabilities-patched autocracy he foretold in his manifestos. https://www.astralcodexten.com/p/moldbug-sold-out

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WGN’s Dane Neal joins Wendy Snyder, in for Bob Sirott, to set the stage for the 2025 Indianapolis 500. Dane discusses the excitement leading up to the race and highlights some of the great food available for fans to purchase. The Indy 500 coverage gets underway at 9:00 AM Sunday morning with Dane on WGN […]

In this episode, I sit down with Adam Meister, a Bitcoin OG, and a relentless promoter of strong hands and long-term thinking. Adam first bought Bitcoin in 2013, has never sold a coin, and lives by the ethos that “deferral of gratification” is the true path to freedom. ––– Offers & Discounts ––– ⭐ Get 10% OFF Blockhunters — the ultimate Bitcoin board game. Visit https://blockhuntersgame.com/ and use code btcmatrix at checkout! Get 10% off your ticket for the Bitcoin Conference 2025 in Vegas! Use the promo code MATRIX at https://tickets.b.tc/affiliate/matrix/event/bitcoin-2025 Theya is the world's simplest Bitcoin self-custody solution. Download Theya Now at theya.us/cedric Get up to $100 in Bitcoin on River at river.com/Matrix The best Team Bitcoin merch is at HodlersOfficial.com. Use the code Matrix for a discount on your order. Become a sponsor of the show: https://thebitcoinmatrix.com/sponsors/ ––– Get To Know Today's Guest ––– • Adam Meister on X: https://x.com/TechBalt ––– Socials ––– • Check out our new website at https://TheBitcoinMatrix.Com • Follow Cedric Youngelman on X: https://x.com/cedyoungelman • Follow The Bitcoin Matrix Podcast on X: https://x.com/_bitcoinmatrix • Follow Cedric Youngelman on Nostr: npub12tq9jxmt707gd5vnce3tqllpm67ktr0mqskcvy58qqa4d074pz9s4ukdcs ––– Chapters ––– 00:00 - Intro 01:05 - Welcoming Back Adam Meister 04:17 - The 4-Year Cycle and Adam's Never-Sell Strategy 05:27 - Leveraging Bitcoin for Fiat in 2025 08:17 - U.S. Bitcoin Policy & Stablecoins vs FedCoin 10:23 - Stablecoins, Dollar Dominance, and Self-Custody 12:12 - Mental Resistance to Spending Bitcoin 18:06 - Political Shift: From Anti-Crypto to Bitcoin Embraced 19:10 - Identity, Image, and What Real Wealth Looks Like 23:24 - Bitcoin, Family, and Gratification Deferral 27:15 - Being Part of the Innovation Frontier 29:52 - Staying Stoic Through Forks and Fear 31:08 - The Mental Struggle with Fulfillment 33:36 - Disappearing Bitcoin Millionaires & Safety Concerns 35:59 - Adam's Austerity & Global Travel Tips 38:03 - Recognition, Humility, and Local Identity 39:04 - Roger Ver, Forced Hodlers & Buying Mistakes 42:01 - Sacrifice, Hard Days & It's Not Luck 45:19 - Class Warfare vs Individual Empowerment 48:16 - Bitcoin & Political Crossfire 50:08 - Be Principled, Not Populist 52:07 - The “Working Man” Myth & Opportunity in the U.S. 53:14 - Rejecting Class Warfare for Cultural Understanding 56:13 - Bitcoin Connects the World 57:18 - Escape from Fiat Dependency 59:17 - Life Without 9-to-5: The Freedom Bitcoin Brings 01:00:21 - The Bitcoin Overlay 01:00:21 - Living in the Bitcoin Overlay During Crisis 01:01:07 - Staying Calm Through the 2020 Panic 01:02:45 - Why Adam Avoids Traditional Wealth Displays 01:04:10 - Freedom From the Fiat Mindset 01:06:30 - Advice for Young Bitcoiners 01:08:12 - Stories of Forced HODLing and Regret 01:10:00 - Calling Out Fake OGs & Clickbait Culture 01:12:05 - Bitcoiners Who Disappeared Into Privacy 01:15:27 - Staying Humble Despite Millions 01:17:15 - Cheap Living, Smart Travel, and Baltimore Roots 01:19:05 - Why Deferring Gratification Pays Off 01:23:25 - Connecting Across Cultures Through Bitcoin 01:25:10 - Rejecting Class Warfare and Scapegoating 01:29:00 - Why Bitcoin Is Still the Best Bet 01:31:00 - Parting Wisdom from a True OG I want to take a moment to express my heartfelt gratitude to all of you for tuning in, supporting the show, and contributing. Thank you for listening!

Send us a textVic starts this episode explaining how he got called out for being on his "man period" and how disappointing it isThere was a situation at Target and we are curious if you consider it good or bad parenting?Morgan Wallen conspiracy theories are settled. If were basing it off how good your music is, Morgan Wallen sold his soul and then SOME! 37 songs, 37 BANGERS!!!! Justin Bieber had weird response to wife landing Vogue cover - Men Aint ShitRed Bull White Peach review Selena Gomez lands deal with Oreo and the flavor they're releasing  STFU of the week: people who didn't attend the Luke Bryan concert talking shit about the concertWednesday Wisdom: Different views on wedding celebrationTRIVIA: The avg person owns 6 of these, but only uses 2. What is it?Find Vic: @vicdradioFind the pod:@ilysayitbackpod

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Episode 483 ~ May 22, 2025 Podcast Info / Topics What is the Open Canoe Association (OCA) and what do they do? Thousands of people paddling out to protest against sewage spilling into UK waters The Mountain Equipment Company (MEC) has been sold once more and this time back into Canadian hands

Kevin, Grayson, and The Chief are caught up in the day's big story, Luca Orellano is once again on the Cruz Azul shopping list. Is it possible FC Cincinnati has to let him go? Would you take Luca now or the cash that may be coming back? Part Two we tackle the debate that has rocked The Post's Discord server (join below for free!): Pat Noonan, good coach or great coach? Then finally in Part Three it's a look ahead to Atlanta United this weekend.    Timestamps:  (11:26) - Luca Orellano transfer rumors  (50:51) - Grading Noonan (1:11:42) - Atlanta United Preview and Predictions     Links:  Lasik Plus Special offer of $1100 off at lasik.com/thepostcincy/ Visit our friends at Streetside Brewery Cincy Shirts: www.cincyshirts.com/CincyPostCast PROMO CODE: THEPOSTCINCY for 10% Off! Check out The Post at www.thepostcincy.com Music by Jim Trace and the Makers Join the Discord Server and jump into the conversation Follow us on BlueSky, Twitter,  Facebook, Instagram, and YouTube Support us on Patreon https://www.patreon.com/ThePostCincy

Episode 483 ~ May 22, 2025 Podcast Info / Topics What is the Open Canoe Association (OCA) and what do they do? Thousands of people paddling out to protest against sewage spilling into UK waters The Mountain Equipment Company (MEC) has been sold once more and this time back into Canadian hands

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Send us a textAnn Carden shares her remarkable journey from childhood entrepreneur to successful business coach, revealing how she built and sold five businesses across multiple industries. Her story demonstrates the power of premium offers and strategic delegation for business growth and financial success.• Started entrepreneurial journey at age seven running craft classes in her basement• Grew up watching her father's success as a real estate entrepreneur• Built a global handmade doll business that went international before the internet• Created a manufacturing system with other moms to scale production• Pivoted to fitness after selling her craft business, eventually building multiple health clubs• Developed "Body Blast" as a premium offering that became a million-dollar revenue generator• Sold her fitness businesses to focus on coaching other entrepreneurs• Currently runs two businesses: high-end business coaching and a media/marketing agency• Advocates for premium pricing strategy rather than traditional funnel approach• Recommends letting go of tasks that don't require your expertise to scale effectively• Believes in creating abundance while making a positive impact on others' liveshttp://www.expertinyoumagazine.com/Support the showThanks for listening & being part of the Mindset Cafe Community.----------------------------------------------Connect With Devan:https://www.devangonzalez.com/connect----------------------------------------------Follow On Instagram https://www.instagram.com/devan.gonzalez/https://www.instagram.com/mindsetcafepodcastLet me know what topics or questions you want covered so we can help you achieve your goals faster.----------------------------------------------P.S. If you're not already a part of the The Mindset Cafe Community Page I would love to have you be a part of the community, and spread your amazing knowledge. The page is to connect and network with other like minded people networking and furthering each other on our journeys!https://www.facebook.com/groups/themindsetcafe/

What does your perfect Saturday look like? If you are looking for a media guy, you can find Luke Edlund on his social accounts.https://www.edlundmedia.comYou can follow the "Buffalo Community Podcast"Facebook: @buffalocommunitypodcastTwitter: @PodcastBuffaloInsta: @buffalocommunitypodcastThank you,Mark Benzer & Tyler ReissThe Buffalo Community Podcast guysTyler Reiss is the Broker Owner of North Star Pro Realty in Buffalo MN . www.NorthStarProRealty.comOr www.TylerReiss.com--------------------------------------------------TEXT “home” to get started

In the early 20th century, a young woman named Georgia Tann begins her career in social work and becomes determined to change adoption in America—even if it means destroying lives and tearing families apart.Be the first to know about Wondery's newest podcasts, curated recommendations, and more! Sign up now at https://wondery.fm/wonderynewsletterListen to American Scandal on the Wondery App or wherever you get your podcasts. Experience all episodes ad-free and be the first to binge the newest season. Unlock exclusive early access by joining Wondery+ in the Wondery App, Apple Podcasts or Spotify. Start your free trial today by visiting wondery.com/links/american-scandal/ now.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Draye Redfern was this week's guest on Success Profiles Radio. He is the Founder of Fractional CMO, helping 7 and 8-figure services companies stop wasting money on marketing and scaling with strategies that work. He talked about selling a company to Warren Buffett's Berkshire Hathaway, when it's appropriate to bring in a CMO to your business, what 7 and 8-figure clients look for in a consultant, using AI to move faster in business, and his book The Recession Survival Guide. In addition, we discussed his ANCHOR framework to apply to your marketing, why some entrepreneurs fail at scaling their businesses, why referrals and current customers are more profitable than finding new ones, using joint ventures to build a business, and why direct mail can still be very lucrative as a marketing tool. You can subscribe and listen to the show on Apple Podcasts/iTunes. You can also hear in on Spotify, Audible, iHeart, and at Success Profiles Radio | Live Internet Talk Radio | Best Shows Podcasts

Tony starts the second hour of the show talking about the court ruling on Kilmar Abrego Garcia. Tony also talks about the 109th Indianapolis 500 being sold out, and how the Israeli rookie polesitter, Robert Shwartzman, is getting backlash and protesters to come.See omnystudio.com/listener for privacy information.

Thanks Darin and Jeremy for getting the word out there!Plus, yours truly will be sitting for a bit in the dunk tank!Are you passionate about promoting health and wellness in your community? Do you enjoy spending time outdoors and connecting with others?Event Details:Date: May 31stTime: 10am - 2pm (Volunteers needed from 8am – 4pm)Location: Buffalo High SchoolYou have an opportunity to participate too!If you are looking for a media guy, you can find Luke Edlund on his social accounts.https://www.edlundmedia.comYou can follow the "Buffalo Community Podcast"Facebook: @buffalocommunitypodcastTwitter: @PodcastBuffaloInsta: @buffalocommunitypodcastThank you,Mark Benzer & Tyler ReissThe Buffalo Community Podcast guysTyler Reiss is the Broker Owner of North Star Pro Realty in Buffalo MN . www.NorthStarProRealty.comOr www.TylerReiss.com--------------------------------------------------TEXT “home” to get started

https://minnesotabaseballassociation.org/teams/buffalo-bulldogs/If you are looking for a media guy, you can find Luke Edlund on his social accounts.https://www.edlundmedia.comYou can follow the "Buffalo Community Podcast"Facebook: @buffalocommunitypodcastTwitter: @PodcastBuffaloInsta: @buffalocommunitypodcastThank you,Mark Benzer & Tyler ReissThe Buffalo Community Podcast guysTyler Reiss is the Broker Owner of North Star Pro Realty in Buffalo MN . www.NorthStarProRealty.comOr www.TylerReiss.com--------------------------------------------------TEXT “home” to get started

Keith discusses the mortgage landscape, emphasizing the benefits of cash-out refinances with Ridge Lending Group President, Caeli Ridge. They unpack the Trump administration's plan to privatize Fannie Mae and Freddie Mac, which could impact the mortgage market. Investors are discovering powerful strategies to leverage property equity and optimize their financial portfolios. By understanding innovative borrowing techniques, savvy real estate investors can access tax-efficient capital and create sustainable wealth-building opportunities. Consider working with a lender that specializes in investor-focused loan products and provides comprehensive education on the options available.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/554 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, we're talking about the mortgage loan landscape in this era. Is title insurance a rip off today? Is it worth it for you to pay discount points at the closing table to get a lower interest rate? Learn about how a cash out refinance. Is your ability to borrow tax free, much like a billionaire does, and what are the dramatic changes that the current administration could take to alter the mortgage environment for years, all today on get rich education.    Speaker 1  0:34   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:20   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:36   Welcome to GRE from Liverpool, England to Livermore, California and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education, the voice of real estate. Since 2014 it's been estimated that there are about 800 billionaires in USA, and hey, you might be one of them, but there's a pretty good chance that you aren't well. When it comes to lending and mortgages, you can actually take a page out of a billionaires playbook and do something very much like what they do whenever you perform a cash out refinance if you've got dead equity in a property, and you can borrow against your own home to a greater extent than you can against your rental properties, even either one of those is a tax free event, you've now got tax free cash, and you can use that money on anything from investing it in the stock market To using your proceeds for a down payment on more real estate or buying a boat or going to Disneyland, and you didn't have to relinquish your asset at all. You continue to hold on to the asset. Now, the mechanics are somewhat different, sure, but when you do a cash out refinance like this, it's a bit like billionaires borrowing against their stock. Instead, you're borrowing against the value of your real estate. In fact, listening to this short clip, it's Trevor Noah talking about how billionaires do exactly this, and you'll notice that the crowd laughs because it actually sounds funny that you can really do this,    Speaker 2  3:22   the shares that they hold in a company, because it is an unrealized gain, right? So they go like, yeah, you're worth 300 billion, but we can't tax you on those stocks because you haven't sold the shares, so you don't, like, have the money. And I understand the argument. They go like, No, you don't have it. It's just what it's worth, because it will also crash, and then you have nothing, so we can't tax you on it. Then I'm like, Okay, I understand that. Then Elon Musk offers to buy Twitter, all right? He offers to buy it. And then he says in his offer, he goes, I'm putting up my Tesla stock as collateral. Then I'm like, so you do have it? Then he's like, no, no, no, no, I don't have it. I don't have it. I'm just gonna say so then they accept the offer. He now buys Twitter. Now that they've accepted his offer, he now goes to private equity and banks and like other rich people and whatever. He goes like, can you guys borrow me the money to buy Twitter? And then he's like, I'm I want to buy Twitter because I don't want to sell any of my Tesla shares, so I want to use your money to buy Twitter. And then it's like, but then they're like, What are we loaning it against? And he's like, Well, my Tesla shares. Then I'm going, like, Wait, so, so you, you can, you can buy a thing based on what you have, yes, but when we want to tax you, you can say, I don't have it. Do you hear what I'm saying here?   Keith Weinhold  4:46   Yeah, you can borrow against your real estate if you have substantial equity in it. We'll talk about just how much now billionaires borrow against their stock holdings using financial products like portfolio lines of credit or. For securities based loans. These are the names for how they do it, essentially taking out loans and using their stock as collateral. And this allows them to access cash without selling their assets and without incurring capital gains taxes, much like you can so you can say that you don't want to sell your property in you don't have to go through some capital raising round either, like a billionaire might have to when they're borrowing against their stock. You can just have a more standard mortgage application for your cash out refinance, and you don't even have to have a huge portfolio. I mean, even if you just own one 500k property with 50% equity in it, you can do this so it's available to most any credit worthy person, again, tax free. But of course, this doesn't mean that you always should take this windfall, because it often creates a higher monthly payment. You've got to be the one that makes that decision in controlling your cash flows, that is key. I'll talk about that some more with today's terrific guests. Also the Trump administration's desire to privatize Fannie Mae and Freddie Mac we're going to talk about that and what that would do to the mortgage landscape. I am in the USA today, next week, I'll be bringing you the show from London, England for the first time, the following week, from Edinburgh, Scotland. Yes, the mobile GRE Studio will be in effect. I typically set it up myself, and I usually don't need the help of the hotel staff for an appropriate Sound Studio either. And then shortly after that, I will be in Anchorage, Alaska, where I'm competing in these fantastic mountain running races. And then by next month, that's where I hope to meet up with you in person for nine days of learning and fun, as I'll be in Miami as part of the faculty for the terrific real estate guys invest or summon at sea, where we're all going to disembark from Miami and go to St Thomas, St Martin and the Bahamas, and then after that great event, it is a long flight from Miami back to Anchorage again. And that's got to be one of the longer domestic flights, not just in the nation, but in the world, Miami to Anchorage, and then shortly after that, I will be in the Great Northeast early this summer, New York and Pennsylvania, including for my high school reunion. So I'll really be putting the miles on these next couple months. One interesting thing that I've noticed for next week's show, where I'll be joining you from London, is how much I'm paying per night at both my hotel in England and then later my hotel in Scotland. That's obviously a short term real estate transaction. These are some of the more expensive places in the world, really. So next week and then the week after, I just think you'll find it interesting. I'll tell you how much I'm spending per night in both London and then Edinburgh. And they're both prime locations, where the hotels are the center of London and then right on Edinburgh's Royal Mile. That is in future weeks as for today, let's talk about the mortgage landscape with this week's familiar and terrific guest.   I'd like to welcome in one of the more recurrent guests in our history, so she needs little introduction. She's the longtime president of the mortgage company that's created more financial freedom for real estate investors than any lender in the nation because they specialize in income property loans. It's where I get my own loans for my own rental properties. Ridge lending group. Hey, welcome back to GRE Caeli ridge.    Caeli Ridge  8:57   Thank you, Keith. You know I love being here with you and your listeners. I appreciate you having me.   Keith Weinhold  9:01   You've helped us for so long. For example, who can forget way back in episode 56 Yeah, that's a deep scroll back when Chaley broke down each line of a good faith estimate for us, that's basically a closing statement sheet. She told us exactly what we pay for at the closing table, line by line like origination fee, recording costs and title insurance so helpful. It's just the sort of transparency that you get over there. Buyers pay for title insurance at the closing table. It is title insurance a rip off. A few years ago, a lot of people speculated that title insurance would fade away because the property's ownership could be transparent and accessible to everybody on the blockchain, but we don't really see that happening. So tell us about title insurance, and really, are we getting value in what we pay for there at the closing table?   Caeli Ridge  9:54   Well, I think the first thing I would say is that it really isn't going to be an option as far as I. Know, as long as the individual is going to source institutional funding leverage use of other people's money, they're going to require the lender, aka Ridge lending, or whoever you're working with, they're going to require that title insurance that ensures their first lien position. Doing that title search, first and foremost, is going to make it clear that there isn't some cloud on title, that there isn't some mechanic lien that had been sitting out there for however many years it may have just been around. And those types of things never go away. So for a lending perspective, it's going to be real important that that title insurance is paid for and in place to protect their interests, things like judgments, tax liens, like I said, a mechanic's lien, those will automatically take a first lien position in front of a mortgage. So obviously we're not going to risk that and find ourselves in second lien position in the event of default and somebody else is getting paid before we are. So not really an option. Is it a rip off? I don't know enough about how often it's paid out, and not to speak to that, but I will tell you that it isn't a choice.   Keith Weinhold  11:07   Title Insurance, like Shaylee was talking about. It protects against fraud related to the property's ownership, someone else claiming rights to the property, and this title search that an insurer does it also, yeah, it looks for those liens and encumbrances, including unpaid taxes, maybe unpaid HOA dues, but yeah, mortgage lenders typically require title insurance, and if you the borrower, you might think that's annoying. Well, it does make sense, because the bank needs to protect their collateral. If a bank ever has to foreclose, they need to have access to you, the borrower, to be able to do that without any liens or ownership claims from somebody else. Caeli, how often do title insurance companies mess up or have to pay out a claim? Does that ever happen?   Caeli Ridge  11:50   I mean, if I have been involved in a circumstances where that was the case, it's been so many years ago, they're pretty fastidious. I don't know that I could recall a circumstance where something had happened and the title insurance was liable. They go through the paces, man, they've got to make sure that, and they're doing deep dives and searches across nationwide to make sure that there isn't any unnecessary issue that's been placed on title Not that I'm aware of. No.    Keith Weinhold  11:50   Are there any of those other items that we tend to see on a good faith estimate that have had any interesting trends or changes to them in the past few years?    Caeli Ridge  12:27   Yeah, I've got a good one, and this is actually timely credit reports. So over the last couple of years, something has been happening with credit reports where, you know, maybe three, four years ago, a credit report, let's say a joint credit report, a husband and wife went and applied that credit report might cost 25 bucks. Well, now it's in excess of 100 plus. Some of what we're going to be talking about today, it kind of gets into the wish list of Jim neighbors, who is the president of the mortgage brokers Association. He's been talking to the administration about some of his wishes, and credit report fees is actually one of the things that they're wanting to attack and bringing those costs down for the consumer. So when we look at a standard Closing Disclosure today, credit report costs have increased significantly. I don't have the percentages, but by a large margin over the last couple of years,    Keith Weinhold  13:21   typically not one of your bigger costs, but a little noteworthy. There one thing that people might opt and choose to have on their good faith estimates, so that borrower therefore would actually pay more out of pocket with today's higher mortgage rates. And I'm sure not to say high, because historically, they are not high. Do we see more people opting to pay discount points at the closing table to get a lower rate and talk to us about the trade offs there   Caeli Ridge  13:46   right now, first and foremost, that there isn't a lot of option for investment property transactions, whether it be a purchase or refinance. There's not going to be that option where the consumer gets to choose to say, Okay, I want to pay points for a lower rate or not pay points for a higher rate the not paying points is the key here. There isn't going to be a zero point option for investment property transactions. And this gets a little bit convoluted, and then I'll circle back and answer the question of, when does it make sense to pay the points, more points versus less points? We have been in a higher rate environment that I think a lot of people have become accustomed to as a result secondary markets, where mortgage backed securities are bought and sold, they keep very close tabs on the trends and where they think things are headed. Well, something called YSP, that stands for yield, spread, premium, under normal market circumstances, a consumer can say, okay, Caeli, I don't want to pay any points. Okay, I'll take this higher interest rate, and I don't want to pay any points, because that higher interest rate is going to have YSP, yield, spread, premium to pay compensation to a lender, and you know, the other third parties that may be involved in that mortgage backed security. But. Sold and traded, etc, okay? They have that choice under normal market circumstances. Not the case right now, because when this loan sells the servicing rights, whoever is going to pick up the servicing rights, so when Mr. Jones goes to make his mortgage payment, he's going to cut a check to Mr. Cooper. That's a big one, right? Or Rocket Mortgage, or Wells Fargo, whoever the servicer is, the servicing rights are purchased at a cost. They have to pay for the servicing rights, and let's say that's 1% of this bundle of mortgage backed securities that they're purchasing. Well, they know the math is, is that that servicer is going to take about 36 months before that upfront cost is now in the black or profitable. This all will land together. Everybody, I promise you stick with me, so knowing that we've got about a 36 month window before a servicer that picked up the rights to service this mortgage is going to be profitable in a higher rate environment, as interest rates start coming down, what happens to the mortgage that they paid for the rights to service 12 months ago, 18 months ago, that thing is probably going to refinance right prior to the 36 month anniversary of profitability. So that YSP seesaw there is not going to be available for especially a non owner occupied transaction. So said another way, zero point rates are not going to be valid on a non owner occupied transaction in a higher rate environment when secondary markets understand that the loans that are secured today will very likely be refinanced prior to profitability on the servicing side of that mortgage backed security that is a risk to the lender, yes. So we know that right now you're not going to find a zero point option. Now that may be kind of a blanket statement. If you were getting a 30% loan to value owner occupied mortgage with 800 credit scores, you know that's going to be a different animal. And of course, you're going to have the option to not pay points. The risk for that is nothing. Okay, y SP is going to be available for you, the consumer, to be able to choose points at a lower rate, no points higher rate. When does it make sense to pay additional points? Let's say to reduce an interest rate, the break even math. And you know, I'm always talking about the math, the break even math is actually the formula is very simple. All you need to do is figure out the cost of the points. Dollar amount of the points, let's say it's $1,000 and that's what it's going to cost you to, say, get an eighth or a quarter or whatever the denomination is, in the interest rate reduction. But you aren't worried about the interest rate necessarily. You're looking at the monthly payment difference. So it's going to cost you $1,000 in extra points, but it's only going to save you $30 a month in payment when you divide those two numbers, what's that going to take you 33 months? 30 well, okay, and does that make sense? Am I going to refinance in 33 months? If the answer is no, then sure pay the extra 1000 bucks. But that's the math, the cost versus the monthly payment difference divide that that gives you the number of months it takes to recapture cost versus cash flow or savings, and then you be the determining factor on when that makes sense.    Keith Weinhold  18:10   It's pretty simple math. Of course, you can also factor in some inflation over time, and if you would invest that $1,000 in a different vehicle, what pace would that grow at as well? So we've been talking about the pros and cons of buying down your mortgage rate with discount points before we get into the administration changes. Cheley talk about that math in is it worth it to refinance or not? It's a difficult decision for some people to refinance today with higher mortgage rates than we had just a few years ago, and at the same time, we've got a lot of dead equity that's locked up.   Caeli Ridge  18:40   I would start first by saying, Are we looking to harvest equity? Are we pulling cash out, or are we simply doing a rate and term refinance where we're replacing one loan with another loan, if it's for rate and term, if we're simply replacing the loan that we have today with a new loan, that math is going to be pretty simple. Why would you replace 6% interest rate with a 7% interest rate? If all other things were equal, you wouldn't unless there was a balloon feature, or maybe an adjustable rate mortgage or something of that nature involved there that you have to make the refinance. So taking that aside, focusing on a cash out refinance, and when does it make sense? So there's a little extra layered math here. The cash that you're harvesting, the equity that you're harvesting, first of all, borrowed funds are non taxable. What are we going to do with that pile of cash? Are we going to redeploy it for investing more often than not talking to investors? The answer is yes. What is that return going to look like? So you've got to factor that in as well, and then we'll get to the tax benefit in a moment. But generally speaking, I like to as long as the cash flow is still there, okay, you've got to have someone else covering that payment. Normally, there's exceptions to every rule. I don't normally advise going negative on a cash out refi. There are exceptions. Okay, please hear me. But otherwise, as long as the existing rents are covering and that thing is still being paid for by somebody else, then what you want to do is look at that monthly payment. Difference again, versus what you're getting out of it. And then you divide those two numbers pretty simply, and it'll take you how long. And then you've got a layer in the cash flow that you're going to get from the new acquisitions, and whether that be real estate or some other type of investment, whatever the return is, you're going to be using that to offset. And then finally, I would say, make sure that you're doing adding in the tax benefit. These are rental properties guys, right? So closing costs can be deducted now that may end up hurting debt to income ratio down the road. So don't forget, Ridge lending is going to be looking at your draft tax returns. Very, very important to ensure that we're setting you up for success and optimizing things like debt to income ratio on an annual basis.   Keith Weinhold  20:40   Now, some investors, or even primary residence owners might look at their first and only mortgage on a property, see that it's 4% and really not want to touch that. What is the environment and the appetite like today for having a refinance in the form of a second mortgage? That way you can keep your first mortgage in place and, say, 4% get a second mortgage at 7% or more. How does that look for both owner occupied and non owner occupied properties today?   Caeli Ridge  21:07   you're going to be looking at prime, plus, in many cases, if you don't want to mess with a first lien, a second lien mortgage is typically going to be tied to an index called prime. Those of you that are familiar with this have probably heard of that. Indicee. There's lots of them. The fed fund rate, by the way, is an index. There's lots of them. The Treasury is also another index. Prime is sitting, I think, at seven and a half percent. So you're probably going to be looking at rate wise, depending on occupancy and credit score and all of those llpas that we always talk about, loan level, price adjustment. You know, it could be prime plus zero, it could be prime plus four. So interest rates could range between, say, seven and a half, on average, up to 11 even 12% depending on those other variables. More often than not, those are going to be interest only. So make sure that you're doing that simple math there. And I would prefer if I'm giving advice the second liens, the he loan, which is closed ended, very much like your first mortgage, it's just in second lien position. It's amortized over a certain period of time, closed ended. Not as big a fan of that. If you can find the second liens, especially for non owner occupied, I would encourage it to be that open ended HELOC type.    Keith Weinhold  22:15   What are we looking at for combined loan to value ratios with second mortgages    Caeli Ridge  22:19   on an owner occupied I think you'd be happy to get 90. I think I've heard that in some cases, they can go up to 95% in my opinion, that would go as high as they'll let you go right on a non owner occupied, I think you'd be real lucky to find 80, and probably closer to 70.    Keith Weinhold  22:34   That really helps a lot with our planning. Well, the administration that came in this year has made some changes that can create some upheaval, some things to pay attention to in the mortgage market. We're going to talk about that when we come back. You're listening to get rich education. Our guest is Ridge lending Group President, Caeli Ridge I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaeli Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866   Hal Elrod  24:38   this is Hal Elrod, author of The Miracle Morning and listen to get rich education with Keith Weinhold, and don't put your Daydream.   Keith Weinhold  24:55   Welcome back to get rich education. We're talking about mortgages again, because this is one. Where leverage comes from. I'm your host. Keith Weinhold, we're sitting down with the president of ridge lending group, Caeli Ridge, and I know that she has some knowledge and some updates on new administration leadership and some potential changes for the market there. What can you tell us? Caeli   Caeli Ridge  25:16   I'm pretty excited about this one, and I'm watching very diligently to see how it unfolds. So the new director of the FHFA Federal Housing Finance Agency, all is Bill Pulte. This is the grandson of Pulte Homes. Okay, smart guy. I'm excited to see what he's going to come in and do. Well. He had recently, I think in the last couple of weeks, he put out in the news wires asking for feedback from the powers that be, related to Fannie and Freddie, what improvements they would like to see. So first up was Jim neighbors. He is the president of the mortgage brokers Association. He had a few very specific wish list items, if you will. And the first one on his list was the elimination of LLP, as for non owner occupied and second home. So let me just kind of paint a picture here, because there's some backstory I think is important. So an LLPA, for those of you that have never heard that term before, stands for a loan level price adjustment. And a loan level price adjustment is a positive number or a negative number that associates with the individual loan characteristics. So things like loan to value or loan size, occupancy is a big ll PA, the difference between an owner occupied where you live and one that you're going to use as a rental property, that's a big one. Credit score, property type, is it a single family? Is it a two to four? Is this a purchase? Is it a refi? Anyway, all of those different characteristics are ll pas. Well, if we take a step back in time, gosh, about three years ago now, Mark Calabria, at the time, was the director of the FHFA, and he had imposed increases, specific increases. This was middle of 22 I want to say specific increases to the LL pas for non owner occupied property. So if anybody kind of remembers that time, we started to really see points and interest rates take that jump sometime in 2022 more than just the traditional interest rate market and the fluctuations. This was very material to investment property and second home, but we'll focus on the investment property. So Mr. Jim neighbors came in and said, first and foremost, I'd like to see those removed, and I want to read something to the listeners here, because I thought it was very interesting. This is something I've been kind of preaching from the the rooftops, if you will, for many, many years. Yeah, we've got neighbors sticking up for investors here. He really is. And I Yeah, well, yes, he is. And more often than not, they're focused on the owner occupied so I'm just going to kind of read. I've got my cheat sheet here. I want to make sure I get it all right for everybody. So removal of the loan level price adjustments on investment properties and second homes, he noted that these risk based fees charged by Fannie and Freddie discourage responsible buyers from purchasing second homes and investment properties, with that insignificant increase to cost. And here's the important part, originally introduced to account for additional credit risk, many of the pandemic era llpa increases were not based on updated risk metric. In fact, data has shown that loans secured by investment properties often have strong credit profiles and lower than expected default rates. I mean, anybody that has been around long enough to see what we've come from, like, 08,09, and when we had the calamity of right, the barrier for entry for us to get any conventional financing as investors has been harsh. I mean, I make that stupid joke of vials of blend DNA samples. But aside from it being an icebreaker, it kind of feels true. We really get the short end of the stick. And I feel like as investors especially, post 08,09, our credit profiles, our qualifications, the bar is so high for us, the default risk there has largely been removed. We've got so much skin in the game. With 20 25% down, credit score is much higher, debt to income ratios more scrutinized, etc, etc. So I think that this is, if it passes muster. I think this is going to be a real big win for the non owner occupied side of agency, Fannie, Mae, Freddie, Mac lending.   Keith Weinhold  29:13    The conventional wisdom is, is that if you the borrower, get into financial trouble, you're more likely to walk away from your rental properties than you are your own home and neighbors, sort of like a good neighbor here sticking up for us and stating that, hey, us, the investors, we're actually highly credit worthy people.   Caeli Ridge  29:29   Yeah, absolutely. So fingers crossed. Everybody say your prayers to the llpa and mortgage investor rates gods.   Keith Weinhold  29:37   we'll be attentive to that. What other sorts of changes do we have with the administration? For example, I know that Trump and some others in the administration have talked about privatizing the GSEs, those government sponsored enterprises, Fannie, Mae, Freddie Mac and what kind of disruption that would create for the industry. Is it really any credence to that?   Caeli Ridge  29:58   They've been talking about it for. For quite a while. I mean, as long as Trump has been kind of on the scene, that's been maybe a wish list for him. I don't see that happening over the next years. That is an absolute behemoth to unpack and make a reality. Speaking of Mark Calabria, he was really hot and heavy on the trails of doing that. So what this is, you guys so fatty Freddy, are in conservatorship that happened back post 08,09, and privatizing them and making them where it is not funded, or conservatorship within the United States government. Now it still has those guarantees against default. It's a very complicated, complex, nuanced dynamic of mortgage backed securities, but if we were to privatize them at some point now, am I saying that that's a bad thing? No, not necessarily, but I think it has to be very carefully executed, and because there are so many moving parts, I do not think that just one term of presidency is going to make that happen. If we do it, it's going to be years down the road from now. Is my crystal ball. I don't think we're going to see that anytime soon.    Keith Weinhold  30:58   That's interesting to know. Are there any other industry changes that are important, especially for investors, whether that has to do with the change in administration or anything else?   Caeli Ridge  31:08    Well, specific to that wish list from Mr. Neighbors, one of the other things that he had asked, and there were quite a few, for owner occupied changes as well, he wants to reduce the seasoning for cash out refinances of investment properties, which would be huge good. Yeah, right now it's 12 months on a cash out refinance given very specific acquisition details. Okay, I won't go down that rabbit hole, but currently, if you haven't met exactly these certain benchmarks, you may have to wait 12 months to pull cash out of a property from the day that you acquire it, he's asking that that be pulled back to about six months, which would be nice   Keith Weinhold  31:46   reducing the seasoning period from 12 months to six months, meaning that an investor a borrower, would only need to own that property for that shorter duration of time prior to performing a refinance.   Caeli Ridge  31:58    Cash out refinance, no seasoning required on a rate and term. This is specific for cash out. But again, for cash out, but exactly right   Keith Weinhold  32:04   now, one trend that I think about sometimes, especially when I think back to 2008 2009 days since I was an investor through that time, is, are there any signs in the reduction of the appetite or the propensity to lend, to make loans. So how freely is credit flowing?    Caeli Ridge  32:25   I think pretty freely. I'm not seeing that they're tightening the purse strings. That's not the lens that I'm looking at it from, and I try to keep that brush stroke broad. There have been, I think that on the post, close side, there's been a little extra from Fannie Freddie, and I think that has to do with profitability markers. But overall, I'm not seeing that products are disappearing necessarily, or that guidelines are really becoming even more cumbersome. If anything, I would say it's maybe the reverse of that, and I do believe that probably is part and parcel to this administration and the real estate background that comes with it.   Keith Weinhold  32:59   One other thing I pay attention to, but it just really hasn't been much of a story lately. Are delinquencies in foreclosures. It seems like they've ticked up a little bit, but they're still both really historically low and basically a delinquency being defined as when a borrower makes one late payment, and foreclosures being the more severe thing, typically a 120 days late or more. Any trends there? I'm not   Caeli Ridge  33:24   seeing any now. And in fact, I would tell you that, because we focus so much on investor needs, first payment default is I can count on less than one hand, if I had to, how many times I've seen that happen with our clients over 25 years. So nothing noteworthy there for me.    Keith Weinhold  33:40   Yes. I mean, today's borrowers are just flush with equity. Nationally, there's a loan to value ratio of 47% which is healthy, in a sense. On average, borrowers have a 53% equity position. Of course, the next thing, I think, is like, I don't really know if that's a smart strategy. They're not really getting that much leverage out there. But I think a lot of people just have the old mentality of get it paid off.    Caeli Ridge  34:06   And I think that depending on where you are in your journey, I mean, if you're in phase three, right, where you're just really looking at these investments, these nest eggs to carry you into your retirement and or for legacy reasons, fine, but otherwise, I may argue the point in that I don't care that you have a 3% interest rate on an investment property, or whatever it may be, if it's sitting there idle and as long as it can cash flow, the true chances of those individuals of keeping that mortgage that they got in 2020, 2021, etc, at those ridiculously low interest rates and stroking 360 payments later to pay it to zero is a fraction of a percent right now, whether they're on the sidelines for something else, I don't know, but that debt, equity, I think, is hurting them more than a 3% interest rate is helping them.   Keith Weinhold  34:52    And a lot of times, the mindset of someone is, if they don't need to build wealth anymore, and they're older and they already built wealth, they don't care if they're loaned to value. Was down to zero, and they have it paid off, whereas someone that's in the wealth building phase probably wants to get more leverage. Yeah, Chaley at risk lending group, there you see so many applications come in, and especially since you're an investor centric lender, I like to ask you what trends you're seeing. What are people buying? What are people doing? Are they refinancing? Are they paying loans off? Are they trying to take out more credit? Are there any overall trends with investors that you see in there    Caeli Ridge  35:29   right now? I think the all in one is a clear winner there. The all in one, that first lien, HELOC, that you and I talked about, we broke my little corner of the internet with that one, that one is a front runner for sure, on the refinance side, specifically, we are seeing quite a bit more on the refi side of things, that equity is kind of just sitting there. So even though, if the on one isn't a good fit for them, I'm seeing investors that are willing to tap into that equity instead of just sitting around and waiting for them to potentially lose some equity if the housing market does start to take some decline. And then I would say, on the purchase transaction side, something that's kind of piqued my interest is the pad split. I'm looking at that more often where, for those that are not familiar, you can probably speak more to this, Keith, they're buying single family resident properties, even two to four unit properties, and a per bedroom basis, turning those into rental properties. And they're looking to be quite profitable. So I've got my eyes on that too.   Keith Weinhold  36:23   before we ask how we can learn more about you and what you do in there at Ridge Kayle. Is there any last thing that you'd like to share? Maybe a question I did not think about asking you, but should have.    Caeli Ridge  36:35   I would like to share with your listeners that if they are not working with a lender that focuses on their education and has that diversity of loan product that we have, that they're probably in the wrong support group. You need to be working with a lender that has a nationwide footprint and that has diversity of loan product to cover whatever methodology of real estate investing that you're looking for, and really puts a fine touch on the education of your qualifications and your goals as they relate to underwriters guidelines   Keith Weinhold  37:10   what we're talking about, and I know this through my own experience in dealing with Ridge, since I use them for my own loans myself, is sometimes Ridge might inform You that, hey, you can go and do this and make this deal now, but that's going to mess up this bigger thing 12 months down the road, whereas if you talk with an everyday sort of owner occupant mortgage company, oh, they're just not going to talk like that, because owner occupants, they might only buy every seven years, or something like that. And investors are different, and you need to have that foresight and look ahead. Caeli, this has been great, a really informative conversation about the pulse of the market. Tell us what products that you offer in there.   Caeli Ridge  37:50   Our menu is very, very diverse. I would say what. It's probably easier to describe what we don't offer. We do not have bear lot loans or land loans. We're not offering those right now. We do not have second lien HELOCs currently. We suspended that two years ago. But otherwise, guys, we're going to have everything that you're going to need. So just very quickly, I'll rattle off Fannie Freddie, okay, those golden tickets that we talk about, we've got DSCR loans, bank statement loans, asset depletion loans, ground up construction, short term bridge loans for fix and flip or fix and hold. We have our All In One that's my favorite first lien. HELOC, we have commercial loan products for commercial property and residential on a cross collateralization basis. So very, very robust in the loan product space.   Keith Weinhold  38:33   Caeli Ridge, it's been valuable as always. And then Ridge lending group.com, or your phone number   Caeli Ridge  38:39   855-747-4343, 855-74-RIDGE, , and then to reach us an email, if that's your better mechanism to contact us info@ridgelendinggroup.com   Keith Weinhold  38:50   that's been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  38:53   Appreciate it. Keith,   Keith Weinhold  39:00   Yeah, terrific information from Chaley. As always, if you're enamored of borrowing tax free, like a billionaire, against your real estate, they sure can help you out with that and determine whether that's right. It doesn't mean that you always should, but if you have investment ideas for debt equity, and you're attentive to cash flows, run the numbers with them and see if it's worthwhile. As far as new purchases, we all know that soured affordability has made it especially tough for first time homebuyers, and there's more data out there that shows that tenant durations are historically long, longer than they usually are. Tenants are staying in places longer because they have to. Investor purchases have stayed strong, though investors have been buying about the same proportion of single family homes and making them rentals that they have historically and Redfin tells us that. The value of properties that investors have purchased is up more than 6% year over year, so investors are still buying and that makes sense. We're in this era where there's more uncertainty than usual, there's higher stock volatility than usual, and more people are sort of asking themselves, where would I get a better return than on income property, and where would my return be more stable today than in income property as well? If you work with Ridge lending group for a time, you're probably going to understand why I personally use them for my own loans. You'll notice that they really understand what investors need. Thanks to Caeli Ridge today and thank you for being here too. But as always, you weren't here for me. You were here for you until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  41:20   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text. GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866   The preceding program was brought to you by your home for wealth, building, get rich education.com.    

Welcome to Episode 1 of “SOLD! Presented by Lane's End Farm,” your inside track to the Thoroughbred auction scene. We're kicking things off from the Fasig-Tipton Midlantic 2-Year-Olds in Training Sale in Timonium, Maryland, one of the premier juvenile sales in North America.In this episode, we break down some of the most buzzworthy hips with pedigree insights, consignor notes, and training observations. Whether you're a buyer, seller, breeder, or bloodstock enthusiast, this episode offers a sharp look at the horses attracting attention in the sales ring.Horses Discussed:Hip 24 – Filly by Honor A. P. out of Bread and Butter, consigned by Cary Frommer LLCHip 237 – Colt by Twirling Candy out of Maid of Honor, consigned by Cortez Racing and Sales LLCHip 523 – Filly by Union Rags out of Aggregator, consigned by Crane Thoroughbred ServicesHip 120 – Colt by Quality Road out of Firsttime Longtime, consigned by de Meric SalesHip 154 – Filly by City of Light out of Greek Sister, de Meric SalesHip 556 – Colt by Twirling Candy out of Concinnoous, de Meric SalesHip 204 – Filly by Union Rags out of Key Account, consigned by Goldencents ThoroughbredsHip 299 – Filly by Tonalist out of Onemoresweetkiss, Grade One InvestmentsHip 549 – Colt by Connect out of Awesome Aurora, consigned by Hidden Brook Agent IIIHip 236 – Colt by Game Winner out of Magnificent Margo, Hidden Brook Agent VIIHip 47 – Filly by Game Winner out of Cash Queen, JVC Training and SalesHip 266 – Colt by Game Winner out of Miss Personality, JVC Training and SalesHip 405 – Colt by Game Winner out of Socialite, JVC Training and SalesHip 13 – Filly by Connect out of Blithely, consigned by Parrish Farms Inc.Hip 448 – Filly by Game Winner out of Team Hansen, Parrish Farms Inc. AgentHip 121 – Filly by Twirling Candy out of Fleet Dude, Randy Miles Agent IXHip 128 – Colt by Liam's Map out of Flummoxed, Scanlon Training & SalesHip 29 – Colt by Twirling Candy out of Brooke and Emory, Tom McCrocklin AgentHip 201 – Filly by Liam's Map out of Kauai Katie, Wavertree Stables Inc. (Ciaran Dunne)We dig into the pedigrees, performance on the track, and potential upside for these standout two-year-olds.

It's not a coincidence I sold a multiple 5 figure offer & it felt EASY PEASY LEMON SQUEEZY

This episode is a full-on behind-the-scenes breakdown of how I pre-sold HALF the spots in my group program before the doors officially opened—and exactly what I did to make that happen. I didn't work more hours (cuz my babies don't allow it), try 17 new strategies, or manifest in the moonlight (although no shade if you do that). I went back to my own damn process. In this episode, I'm walking you through: Why I revisited my own story, framework, and ideal client work (and how it completely shifted my messaging) What changed in my business (and in me) after becoming a mom that sparked a full rebrand The sneaky reason your “valuable” content might not be converting—and how to fix it My private invite strategy that helped me sell out spots before launch day (without being glued to IG) Why consistency + clarity > chasing trends And the truth about how long it actually takes to build real demand (even when you've been in business for years) If you've been feeling like your content isn't hitting or you're stuck in the messy middle of “I know I'm great at what I do… so why isn't this landing?”—this one's for you.

In this episode, we're talking to a seller who sold over $100 million on Amazon about why tariffs haven't affected him at all, what's more important to him than initial reviews, and more! ► Instagram: instagram.com/serioussellerspodcast ► Free Amazon Seller Chrome Extension: https://h10.me/extension ► Sign Up For Helium 10: https://h10.me/signup  (Use SSP10 To Save 10% For Life) ► Learn How To Sell on Amazon: https://h10.me/ft ► Watch The Podcasts On YouTube: youtube.com/@Helium10/videos Meet Neeme Rõõs, a trailblazing Amazon seller hailing from Estonia, who shares his fascinating journey from a childhood in the Soviet Union to becoming a heavyweight in the Amazon-selling arena. Neeme opens up about his transition from managing thousands of affiliate websites to launching a successful private label venture on Amazon. With over $100 million in sales under his belt, Neeme provides invaluable insights into how he achieved early victories with essential oils and navigated the dynamic shifts in the e-commerce landscape to keep his business thriving. The episode dives into the nitty-gritty of operating a successful Amazon business amid rising fees and advertising costs. Neeme reveals his strategies to focus on product quality and customer satisfaction, even as the e-commerce arena becomes more competitive. We discuss the benefits of manufacturing in the U.S. for brands in the beauty and health sectors, a choice that has helped Neeme's business sidestep adverse tariffs and supply chain hiccups. Learn about the meticulous crafting of unique products and algorithm-friendly listings that capture customer attention and stand out in the marketplace.   In an enlightening conversation on market strategies, Neeme emphasizes the role of customer feedback and keyword optimization in product launches. We explore how securing initial reviews and targeting specific keywords attract informed buyers and reduce negative feedback. This episode also highlights tools like Helium 10 Audience, powered by PickFu, and Market Tracker which aid in optimizing product listings and understanding market share. As a final treat, we offer a glimpse into an upcoming Amazon seller conference in Estonia, Ambizion, showcasing the immense value of connecting with peers and exploring Estonia's vibrant history and culinary delights. Use code HELIUM10 to get 100€ off your tickets! In episode 666 of the Serious Sellers Podcast, Bradley and Neeme discuss: 00:00 - E-Commerce Success and Expansion Strategies 01:00 - Impact of Tariffs on Amazon Sales 07:19 - Amazon Sales Growth in EU and Amazon US Expansion 13:33 - Amazon Business Strategy Success Factors 15:35 - Long-Term Product Strategy Approach 19:09 - Impact of Tariffs on Competitors 21:41 - Product Feedback and Keyword Optimization 26:09 - Slow and Steady Growth Strategy 28:46 - Catch Bradley at the Ambizion Event 32:41 - Market Share Strategy and Estonia Travel 34:48 - Helium 10 Market Tracker

Harvard Law School bought it back in the 1940s. https://www.lehtoslaw.com

SUMMER TOUR TICKETS -> bit.ly/CITOSUMMER. Weekend plans (00:00-20:36). Blake Lively allegedly pressured Taylor Swift to show support amid Justin Baldoni lawsuit (22:00-35:05). Justin Bieber reportedly sold music catalog because he was broke (35:06-43:58). Chris Brown arrested over alleged 2023 attack (43:59-47:53). Max is going back to HBO Max (47:54-53:06). ‘Spring Breakers 2' set with new cast, including Bella Thorne (53:07-56:48). PopCorner voicemails: ‘Love Island' Casa Amor hot take, Bad person for snooping/finding engagement ring?, Tennis WAGs beef? + more! (57:38-1:22:41). Beat Ria & Fran game 174 with Anna & Kelli (1:23:54-1:42:20). CITO LINKS > barstool.link/chicks-in-the-office.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/chicks-in-the-office

On today's Wholesale Hotline Podcast (Subto Edition), Pace reveals how he bought a property on Sonnet Drive with no money down, no credit, and 2% seller finance, eventually profiting over $200,000 through appreciation and cash flow.. Show notes -- in this episode we'll cover: Why Airbnb is a dying model, especially in HOAs and strict cities like Atlanta and Vegas—Pace explains why he's exiting the short-term rental game completely in favor of more scalable strategies. Powerful insight into balloon payments and automatic extensions—Pace details how he negotiated a 5-year renewal clause on all 31 seller-financed properties he bought from the same seller. Why Pace agreed to pay Zillow price + $10K and how he used that to negotiate 0% down—breaking down the “teeter totter” method of trading higher price for better terms. Final takeaway: Single-family real estate is a long game—cash flow is minimal, but equity and appreciation create massive wealth when you roll profits into bigger deals like RV parks using 1031 exchanges.   ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ ☎️ Welcome to Wholesale Hotline & Subto Breakout✌️✌️! ☎️ Need discounts and free trials!? Check this out for the softwares/websites/contracts/scripts/etc we use in our business: ✌️ https://shor.by/pace-youtube ✌️ ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖