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As a property manager, have you ever worked with foreign investors? If not, what is stopping you? Is it because you don't know another language or because you don't know where to find foreign investors? What if there were a service that handled that piece for you? In this episode of the #DoorGrowShow, property management growth expert Jason Hull sits down with the founder of HomeAbroad and Ziffy to talk about how property managers can connect with investors living outside of the United States.  You'll Learn [01:49] Building a Platform that Helps Foreign Investors Find Properties  [08:21] Helping Investors in the U.S. Find Investment Properties  [14:46] How HomeAbroad and Ziffy Can Benefit Property Managers  [25:23] Using Real Estate Investing and Property Management to Move to the U.S.  Quotables “No one wants to be a landlord… They're looking for a good way to maximize return on their investment or return on their cash.” “If you are a smart investor, if you are running this as a business, right, you got to have property management.” “You can't build a portfolio of a hundred properties by managing each property yourself.” “You grow together. It's a small industry, you know, we got to help each other and we grow as a business together.” Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive Transcript [00:00:00] Client finds the property through a platform. We do the mortgage financing, so we will introduce the property manager at the right time and say, "Hey, by the way, you can find the right property manager to help you manage this property, so, we'll kind of introduce you in the right point in that journey to make sure that you have a high conversion as well.  [00:00:20] All right, I'm 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. We have 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. [00:01:06] And if you are wanting help with any of that stuff, then reach out to us at DoorGrow. So we believe at DoorGrow 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. [00:01:28] We want to transform the industry, eliminate the bs, build awareness, change perception, expand the market, and help the best property management entrepreneurs win.  [00:01:38] Now let's get into the show. All right, so my guest today, I am hanging out with Amresh Singh, welcome to the DoorGrow Show.  [00:01:46] Thanks, Jason. Thanks for having me. Appreciate it.  [00:01:49] It's good to have you. So I would love to get into your background so people understand, like who are they listening to or viewing on this, and tell us a little bit about your journey into entrepreneurism and how you kind of got started and that will lead us into your business. [00:02:04] Awesome. So my background has been at the intersection of mortgages and technology. I used to work for a leading international bank before I started HomeAbroad. And originally I'm from India, so I moved to the US 10 years back, working for this big bank who moved me from India to the US to work closer to the headquarters over here. [00:02:25] I managed their international customer acquisition. And you know, in that journey, you know, I realized that two things that we have. Or I should say two really fascinating things about the US real estate market, which is, you know, 30 year fixed state mortgages, which we, in the US you know, we tend to ignore and we take it for granted. [00:02:45] It does not exist in most places around the world. It's a superpower, 30 year fixed state mortgages. Right? Yeah. Plus combine that with, you know, higher rental leads in the US market. You know, you're really looking at a true wealth building too. Right? So that realization coming from, you know, an international market into the US market, seeing the superpower of the, you know, how real estate in the US can really help you build generational wealth. You know, gave me the idea to start HomeAbroad, you know, which was a company that was focused on global investors investing in USD asset market, right? You know, and taking the advantages of, you know, some of these superpowers, I will speak later in your podcast. [00:03:24] Right? But that's how the journey started. And then, you know, as part of that journey, we realized, you know, some similar gaps exist in the domestic market as well that led to formation of Ziffy, which I'll talk about as well as we progress in the podcast. So that's kind of in nutshell, my know, my entrepreneur journey, my background, so.  [00:03:40] Very cool. I've noticed, you know, every now and then I get clients that they've got some special connection to an international market. You know, I've got a client from Israel and he's able to pull in Israeli investors and they're wanting to get into the US market, and he helps them handle all of that. [00:03:56] I had a client that same thing with China you know, and other different foreign countries, you know, and so that's a competitive advantage that each of these property management business owners have, but it's not one that every property manager can just create because they don't know a different language. [00:04:14] They don't have a network or connections overseas, and so that could be a challenge. But I see how that could be a competitive advantage for building up your own portfolio if you could access international investors. And I didn't really realize that, but I just grew up in this bubble of the US but 30 year fixed rate mortgages sounds so normal. You know? Yes. So, okay. So cool. So, so tell us a little bit about what you've got going on.  [00:04:40] Yeah, so, you know, as I mentioned, you know, we operate two brands. HomeAbroad is where we started, right? And that's a shop, that's a PropTech and FinTech shop that's focused on helping global investors invest in the US real estate market. [00:04:52] Right? If you think about, you know, real estate, right? It's kind of, you know, wealth building tool or is a mode of, you know, building generational wealth around the world. People invest in real estate for stability, right? For, you know, that that ease of mind, okay my investment is going to grow, right? [00:05:08] But you know, in most places around the world when you're investing in real estate, you're not doing that with leverage. You know, you are buying that in cash and you are, you know, mode for return on that investment is really banking on the capital appreciation on that property, right? What changes in the US market is because of 30 year fixed rate mortgages, there's no payment shock. [00:05:28] The rate is fixed for the term of the loan. That's 30 years. Since it's amortized for a 30 year period, your monthly payments are lower, right? Rental liens are higher. So what ends up happening in the US market is rent covers mortgage in majority of the scenario. [00:05:44] Yeah. It cash flows day one. Absolutely right. And that is something. So think about it, right? So you are generating cash flow from day one with leverage. I'll repeat that with leverage, right? So 20-25% of your money is able to help you buy a hundred percent of the property with cash flow or passive income from day one. [00:06:05] It just does not happen in most places around the world. Now imagine this: you explain this to someone who has no idea about the US state market, right? And then you tell them, Hey, not only you know the value prop, but as a company HomeAbroad, we are going to give you mortgage financing with no US state history. [00:06:25] Right. And we are going to underwrite you not based on your personal income or assets from your home country. We are going to look at the property's income, right? And we're going to underwrite based on that, right? Suddenly someone who has no affiliation with the US, you know, market or financial market is able to invest or buy US real estate for the obvious benefits I mentioned, right? [00:06:49] Cash flow with leverage, but also you're putting your money in the largest economy in the world. USD is still the reserve currency, right? So you're shielding yourself from currency risk that's might exist in your home country, right? And suddenly when you explain this to a global investor, it's an aha moment for them, right? [00:07:04] Because this is something that does not exist in their home market. You know, they want to, you know, kind of diversify their assets and dip into what US has to offer this kind of opening American dream to the world. Yeah. Without them having to live or work in the US. You can live and work in your home country and dip into what America or American dream has to offer, you know, while you sit in your home country. Right. And that's kind of what was a game changing phenomena for us. Great traction, great, you know, reserves. But what we saw, Jason, you know, these people were coming in and we're like, okay, great. I want to invest in USA asset market. But I don't know where to invest. [00:07:40] Right. I don't know the US market, I don't know which city to invest in. Right. And my team, you know, we found ourselves going onto Zillow doing investment analysis and coming back to them and saying, "okay, this is a good place to invest." And then we said, "okay, wait a minute. Let's just build a tech platform, and that's what led the evolution of Ziffy, which is kind of, you know, Zillow for investment properties, ziffy.ai, where you know, as an investor you can kind of just say, okay, this is my investment objective. [00:08:05] I want to generate X dollar cash flow every month. I want to generate Y percent in rental. I want to find all the rent properties. And the algorithm mines everything that is listed on MLS right now from an investment perspective gives you detailed investment analysis and helps you take the data driven recommendation. [00:08:21] And then we realized only 8% of Americans own investment properties. If it's such a good thing that global investors want to put their money in the USA market, why Americans are not building generational wealth by investing in real estate. Right? Because people don't want to be a landlord, right? [00:08:37] Right. But once you put this data in front of them, suddenly the perspective changes. And that's what we are right now. We are launching ziffy.ai where it's going to be the Zillow for investment properties to really help more Americans buy and invest in US real estate.  [00:08:50] Okay, great. And what's that tool called? [00:08:52] It's Ziffy, Z-I-F-F-Y, dot A-I.  [00:08:56] ziffy.ai. Okay. And you mentioned the big other z name Zillow, you're like, you're trying to take their lunch, I guess. Right? We'll see how...  [00:09:06] not really. Thing about it, zillow is focused on primary market, right? Yeah. It's a much bigger market. Right. And, you know, investment, of course, 16% of the transactions are investment properties. [00:09:17] Right. But having said that, it's a huge market and there's lot of, you know, scope for growth because a lot of Americans still, you know, what they don't know about is there are specialized loan products that exist, you know, that can underwrite based on the rental income of the property. [00:09:32] So if I have a mortgage, I have a car loan, I think, okay, there's no way I can buy investment property. No one's going to give me a loan. I'm going to walk in my local bank or my local branch, and they're going to say, "okay, Jason, you know, what's your current mortgage? What's your car loan? Oh, you don't qualify based on your debt to income ratio." [00:09:49] They don't know that this specialized loan product called DSCR loan, which is debt service coverage ratio loan, where I'm qualifying you for the mortgage based on the rental income of that property versus your personal income. Right. So suddenly now you can build portfolio of hundred of investment properties because each property qualifies based on its own merit. [00:10:11] You buy one investment property, right? Rent covers mortgage from day one generates you cash flow. You wait three, four years, you gain equity in the property, do a cash out refinance, take that money to put down payment on other property. That property is cash positive from day one and the cycle repeats. [00:10:27] So if you're a smart investor can really help that first investment property, help you build a portfolio of investment property over 10 to 15 year period and build that generational wealth for you and your family. And people just don't know about it. And that's what we're trying to democratize.  [00:10:41] All right. [00:10:41] I love the idea. You know, we've leveraged a DSCR loan and it's nice because you don't have to give them all your personal info. You know, it doesn't matter how much debt you already have leveraged with properties you already have. So the rates are a little bit higher. [00:10:55] Right. But if you're able to cash flow it effectively, then I guess it doesn't matter.  [00:11:01] It doesn't matter. But also, I'll tell you, Jason, it's not that much higher either. No. If you think about an investment property loan from Freddie Mac or Fannie Mae conventional loans the rates are going to be higher than what you're going to pay for a 30 year fix it mortgage for a primary home. [00:11:14] Right. If you compare an investment property loan from an, from the jcs versus a DSCR loan, the rate difference you're talking about is 0.25%, or, you know, like, so it's not, it's very competitive.  [00:11:28] So. A lot of the people listening run property management companies. They've got a pool of investors. [00:11:33] These are their clients. How do they leverage  [00:11:37] HomeAbroad or Ziffy? That's a great question. Right? So we are also opening a marketplace for property managers, right? Because think about these foreign clients that are coming over to us, right? Think about domestic clients, right? A lot of these clients, you know, no one wants to be a landlord, as I mentioned earlier, right? [00:11:52] They're looking for a good way to maximize return on their investment or return on their cash. Right. And they don't want to take the day-to-day hassle of being a landlord. Right. Right. That's where property management comes in. Right. And if you are a smart investor, if you are running this as a business, right, you got to have property management. That's what we tell our clients. You can't build a portfolio of a hundred properties by managing each property yourself. You got to get property management in, right? Yeah. And what we are doing is we are trying to, you know, open up a marketplace where, you know, foreign investors, of course, they have no idea about whom to work at in the US so they can connect to property managers in the US through a platform. [00:12:31] Right. But in addition. If you're a property manager and if you have clients who are looking for next investment and so forth, you can white label our Ziffy platform for your clients. Right, okay. To give them as your own tool. And if they come back to us, you know, for a mortgage, we give you a referral fee. [00:12:50] You know X, we give up to 40 to 50 basis point on the loan amount as their referral fee. So that could be not only you're servicing your clients, you're giving them tools to help them find their next investment, which by the way, you will end up managing as well. But you're also increasing your value prop by helping your client find the next investment and adding additional revenue stream to your overall portfolio, right? [00:13:12] So it's a win-win situation for everyone.  [00:13:15] So becomes absolutely profit center. Okay, so. And they can white label Ziffy. What about is the Ziffy and HomeAbroad databases, are these linked? Like, are these properties, because you know, I think a lot of property managers listening are like, "how can I get access to these foreign investors because I don't have that capability?" [00:13:32] They're linked. It's just the branding, right? Because for foreign investors, you know, we go with the brand name HomeAbroad, okay? And for domestic, of course, you know, HomeAbroad will not resonate with the US based customers, right? So that's where Ziffy comes in. And we are kind of actually actively going through a rebranding exercise where HomeAbroad will become powered by ziffy.ai. [00:13:52] You know, so at the end of the day, Ziffy is the overall umbrella brand, right? Ziffy.ai is our AI powered investment property search platform and HomeAbroad is the portion of Ziffy that's focused exclusively on foreign investors. But if you're part of our network, you get access to both clients, you get access to foreign investors, you get access to local investors. [00:14:13] Okay, perfect. So it sounds like property managers, if they're listed in this marketplace, it sounds like 1. You might be feeding them some free business from. Absolutely. HomeAbroad brand. Yep. They wouldn't be able to access otherwise. And they're able to support boots on the ground helping with the property locally. [00:14:32] Yep.  [00:14:33] And then they can also leverage Ziffy and do a white label thing for their existing clients and help get them and facilitate getting them into more property.  [00:14:41] Absolutely. Yep.  [00:14:42] Awesome. Okay, cool. Yeah that's very cool. So how does a property manager get into this marketplace?  [00:14:49] What are your qualifications? [00:14:51] So we of course, want to make sure that our clients are taken care of, you know, so we do initial vetting, just to understand, you know, you have the I would say capabilities and infrastructure to help service our clients. So everyone has a good positive experience, right? And then once we kind of have that initial meeting to vet you out, you will become part of our network. [00:15:10] We'll sign a good partnership agreement. You'll be part of the network and then, you know, you'll be listed prominently. If the customer is looking in that particular area, you know, you'll be listed prominently within that ecosystem. Now, good news is we are vertically integrated shop, right? [00:15:24] So client finds the property through a platform. We do the mortgage financing, right? And you know, we know exactly when the customer, you know, is closing that transaction, right? So we will introduce the property manager at the right time. There's no point introducing a property manager right when they're starting their journey to find an investment property, right? [00:15:42] But as soon as they close on that transaction, we'll introduce the property manager. We will expose our, you know, marketplace to them and say, "Hey, by the way, you can find the right property manager to help you manage this property from our vacant property management, based in say, Phoenix, Arizona, or say, you know, Dallas, Texas, like wherever the client is, you know, closing that transaction. [00:16:03] Right. So, we'll kind of introduce you in the right you know, point in that journey to make sure that, you know, you have a high conversion as well.  [00:16:11] So how do you, at Ziffy and HomeAbroad, how do you determine which markets you want to be in and focus on?  [00:16:21] So the cool thing, Jason, you know, like as the customer decides for us, right? [00:16:24] We are operating in 43 states, right out of 50 states in the US right now, right there are of course hot markets, right? But you know, we let our algorithm, because now, it's data, right? We know the data. We know what's the expected rent, which is our for algorithm to calculate the expected rent across every plus property listed on the MLS right now for sale. What's your monthly mortgage payment is going to be? We are the mortgage shop. So we know what the monthly mortgage payment is going to be. Yeah. Rent minus mortgage is your cashflow. Right? So you can basically punch in those numbers and you say, okay, I want to generate $500 in cashflow every month. [00:16:59] Show me properties in entire us. Show me properties in Midwest us. Show me properties in California. Show me properties in Texas. Right? Whatever is your appetite, right? But you can kind of, you know, find that right investment property with right investment objective, you know, and I would say market agnostic. [00:17:16] Right? Yeah. Find that property and then say, okay, yeah, this makes sense, this doesn't make sense. And what we are adding to our AI layer. You can ask AI question, show me population growth trend in this area in the last five years. Show me rent you know, growth in this area in the last five years. [00:17:30] Show me you know, is this a landlord friendly state? You know, like our AI will help you basically California, evaluate that property.  [00:17:36] So basically, California's out. Florida and Texas are in, or?  [00:17:40] Yep. Yep. And that's what we see. That's what we see. You know, Florida and Texas are two hot markets. Yeah. [00:17:45] Midwest is really picking up, you know, because the property prices are lower, taxes are lower, rents are higher, right? So Midwest US is the new hot market from a rental standpoint Okay. Is what we are seeing a lot of fixed and player opportunities as well. But Florida and Texas continue to be two hot states, you know, from a rental property standpoint. [00:18:03] Got it. Okay. Now, these people that are, you know that they're global investors. They're around, you know, around the world. They're watching the news, they're seeing all this stuff that's going on in the us. I don't know what their perception is, but when they're watching all this, I'm sure that factors into their decision making in which states they want to be in. [00:18:23] Absolutely a hundred percent.  [00:18:25] So they're like, it does, I don't want to be in California. They look like they're crazy there and they're watching the news and they're seeing these, you know, sanctuary cities with homeless people everywhere. And then they're like looking at like areas where it's more conservative and there's like more freedom and more options. [00:18:41] Then they're like, maybe, maybe there. So perception, I would imagine affects where they're choosing to invest as well.  [00:18:49] Yeah, it totally does. Right? And what we tell our clients, you know, you got to think of real estate as a long-term investment game, right? For example, you know, the rhetoric around current administration, right? [00:19:00] From global investor standpoint, you know, like, do I really want to put my money in the US at this point? You know, what happens if like X happens? Y happens, right? And what we tell our investor, right? The basics why US, you know, is a good market for real estate investment has not changed, will not change, right? [00:19:15] It's going to be still remain a good market for US estate investment. The question is, where do you invest, right? And what are your objectives, right? You want to invest in a landlord friendly state, right? You want to invest in, in states with, you know, job growth, population growth, right? And you want to invest in state you know, in a market where you're getting good ROI on your cash investor, right? [00:19:36] And that's a function of, you know, appreciation and function of cash flow, right? That you're generating. Right. So until you have those data points figured out, right, you know, in long term it's going to be a viable investment. Right. And you're going to make money, right? Is what we tell our investors, right? [00:19:51] And when we explain them from that perspective, from that lens, you know, I have not seen someone that has said, okay, USDS investment is off my list. Right? Is something that just still motivates and drives them.  [00:20:04] Very cool. All right. I like it. And the best property managers, they're DoorGrow clients, like we help them figure out how to actually do a good job. [00:20:10] Most property managers suck in most markets. This is... absolutely, yeah. The admission of property managers, they're like, I get a room of property managers. I'm like, how many of you believe all your competitors suck or most of them do? And everyone's hands go up. And everybody that comes to me and says, "Hey, I'm thinking of starting a property management business." [00:20:27] I say, cool. And they tell me their story. It's they have investment properties and they tried property managers and most of them were terrible and they decided to finally start a good company. And so there's this issue. So yeah, maybe we should get all the DoorGrow clients getting into your marketplace. [00:20:43] So  [00:20:43] A hundred percent, you know. Let's talk about that a hundred percent.  [00:20:46] Alright, cool. Have you heard a Blanket, have you heard of these guys? Not really. So I think I should connect you to Lior over at Blanket. They've got a really cool platform as well, and I think there's some synergy. [00:20:59] They're basically like a retention platform. Okay. For property managers. They were one of our sponsors at DoorGrow live. And they've created a platform that allows their clients to see all of... they're basically a white label portal for all their clients to have their portfolios. And it allows them to keep the properties in their portfolio by helping them find and access other owners when that owner wants to sell. [00:21:25] Awesome. Okay. I think there'd be some awesome synergy between these two tools. Yeah. And I'm always making connections. You guys don't see this, those that are watching the podcast behind the scenes, I'm always trying to connect different vendors to each other when I see some synergy. So, but I think that might be a cool connection. [00:21:40] So, because I think what you're doing would work really nicely with that and it'd be a really cool synergistic thing. So we'll just get HomeAbroad, Ziffy, Blanket, DoorGrow, and then some other vendors, we'll just start stacking, we'll create Voltron. Yep. This ultimate, you know, superpower to help.  [00:21:57] This very exciting. [00:21:58] Hey you grow together. You know, that's how I've always believed. You know, you grow together. It's a small industry, you know, we got to help each other and we grow as a business together.  [00:22:06] Yeah, absolutely. So, well, I like what you're doing. What's the easiest way for a property manager to reach out? [00:22:14] Which of the websites should they go to? How do they start getting vetted so they can get into this marketplace? And is this like a free thing because they're providing value or do they pay to become part of the marketplace or how does that work?  [00:22:27] It's a free thing, right? They will be listed on a platform for free. [00:22:31] So it's a two way street, as I mentioned here, right? So we are going to pay a referral fee to our property manager partners, when they refer clients over to us, we're going to give them free tools to help facilitate that process and vice versa. You know, we'll collect a referral fee if our existing client signs up with them as well. [00:22:47] You know, it's a revenue stream for us too.  [00:22:48] So if let's say I have one of those clients that has, a bunch of connections in a particular country like Israel or China or something like this, would there be an advantage to them to leveraging HomeAbroad to facilitate that rather than having to figure out all this work themselves? [00:23:05] Absolutely. Absolutely. Because we are, as I said, you know, we are one stop shop, right? So say for example, you have an Israeli client that is just thinking about investing in US real estate, right? So what we do, we start. From setting up the LLC, right? If you are US based, you know, setting up an LLC, receiving an EIN is pretty easy, straightforward process, right? [00:23:23] If you're a foreign national who has doesn't have an SSN or an IT number, just getting an EIN number from a IRS, you know, you're talking about faxing, you're talking about mailing, you're talking about six months, six to eight weeks to get, you know, your number in mail. Now, you know, we kind of have developed that expertise in this segment so we can get an EIN and with an analysis set for a foreign national not living in the US within a week. Right. Wow. We can help them open a US bank account while they're in their home country. Right. Of course, you know, we'll need the US Bank account as part of the mortgage process, but also they will need a US bank account to manage their property, right. [00:23:58] When they invest in the US market, right? We can, of course, financing for Foreign National, which is our bread and butter, right? So we help them with 75% LTV or 75% leverage to purchase an investment property in the US. So they only need to put 25% down payment on that investment property, as I mentioned, we don't look for any US history. [00:24:18] We don't look for trade lines or create history from their home country as well. It's a pretty straightforward process for foreign nationals. You know, all we are looking for is, you know, they have enough assets to close, which is 25% down payment plus closing costs. Right? And if the appraisal comes in right where we want it to be, right. [00:24:36] So whether they meet the ratio or the DSCR ratio where rent covers mortgage, right? Even if it does not, we have a sub ratio DSCR program for them. So one way or the other. You know, we'll be able to do the loan just based on the property's income versus considering their personal income or assets in their home country. [00:24:52] Right? So we covered them right from helping setting up an LLC you know, opening US bank account mortgage financing, connecting them with a local realtor, which is not just any realtor, but a realtor with CIPS, which is certified International Property Specialty Designation by now. Right. So they have gone through specialized training to work with foreign national, global investors, right? [00:25:13] And then property management connections, you know, through a marketplace, right? So we are kind of one stop shop for everything that foreign national would need to do to invest in the US real estate.  [00:25:23] Interesting. So here's another random idea that comes up. And I don't know if this even relates, maybe this is just completely out of left field, but occasionally I get clients that they've come from a foreign country to the US. [00:25:36] And in order to, you know, to immigrate and to become integrated in the US, they have to start a business. And so they will buy a franchise sometimes, which usually in this industry, buying a property major franchise, I'm pretty outspoken about that. I think it's generally a bad idea. I get a lot of franchisees coming to me that have struggled like, you know, a gal that came, bought into a franchise, she's already invested $100k into this and the franchise gave her poor strategy and she only has one unit under management and she's $100k in and over half a year in invested into this. And she's like, you know, concerned and freaking out. I've got another client, he's immigrated from the uk. [00:26:16] He's built a property management business. They both built their business in Florida, by the way. Nice. So the land of freedom and humidity. So is there some sort of advantage for some of these people that are overseas also? They're like, "you know what? I like the idea of investing in, you know, the US but I want to be in the US." [00:26:37] Is there a way that they could build a business leveraging this and could that be something that is facilitated as well?  [00:26:45] Yeah, that's a great question, Jason. You know, and something like a lot of, you know, foreign clients ask us, right? So I'll give you a two part answer to this question, right? [00:26:52] One, if you are part of E3D countries, right? So US has a E3D, you know, with I think UK, Japan you know, Australia, Canada, and the few other countries on that list, right? Yeah. So if you're part of one of these countries where the, where you have a E3D you know, with the US you get a visa called E2 Visa. [00:27:12] E2 Visa, where, you know, where you can start a business in the us, get that visa to come manage the business. And a lot of our clients in from these countries would start up LLC to manage two to three properties. Show that okay, they're managing a real estate business. Right. To kind of get that E2 visa, right? [00:27:29] And so it's a great way for them to not only build you know, a profitable business in the US right? And kind of benefit from the US estate investment, but then also, you know, try get a residency visa, you know, based on this business. Property management kind of falls under the same aspect as well. [00:27:46] Okay? Then other countries which are not part of the E3D, where you have something called an EV5 Visa, which is you know, which were one of the key differences is that you have to show that you generate 10 employments and invested at least around a million dollars in the US to generate those employments. [00:28:03] Now that is where, you know, it becomes a little bit trickier, right? Because you know, you have to show that you brought that money in, you putting that money in real estate qualifies. Right. But the the important aspect is creation of 10 jobs. You have to show that you've created 10 jobs through that investment, you know, for that purposes. [00:28:21] If you buy, you know, like 10 properties or buy a multifamily unit and you know, you have a property management around it that employs 10 people to take care of it, technically it qualifies. Right. You can also you know, buy a hotel, you know, buy 2 commercial property that employs, you know, 10 people to kind of, you know, to qualify on the, that, that visa rule. [00:28:44] Right? But again, you know, you're talking about a million dollar investment. You know, from your end, you know, which is not, you know, applicable for everyone, right? Yeah. So there are a couple of ways, right? But for E2 Visa, you know, it becomes really easy, right? Because that job requirement criteria is not there. [00:28:59] You have to show that it's a functional business. It's an active business, which could be a real estate business, right? And it becomes, the qualification becomes a little bit easier on from that perspective.  [00:29:09] Got it. Okay. Interesting. If you run into these people, we should totally be homies and... [00:29:15] absolutely. [00:29:15] If you run these people one of the things we're really brilliant at DoorGrow is helping people avoid all the mistakes they make when they get their business started. We help them clean. We're like bar rescue for property managers, as I said in the intro. And for startups, we're ideal. [00:29:29] We help them avoid all the pitfalls of the franchises. We help them come up with their own brand, their own website. We help them build out their hiring process. We help them make sure they get good people, like we help optimize the business and get the right systems and installed. And so we really are like the ultimate franchise alternative. [00:29:46] And I've just gotten tired of seeing the franchises hurting people. And so my mission. Is to get people to sign up with DoorGrow instead of going to these franchises and set ourselves up as a franchise alternative because we can help them get going with a lot less cash involved and a lot more help. [00:30:05] And and then we can help them give them real strategies for growing their portfolios. And it sounds like this might be a really nice addition to any of my client's strategies for growth is to leverage HomeAbroad because they would love to have people that are hands off. Yeah. In another country trusting you to just take care of stuff that, that's a easy, no-brainer type of client they would love to have. [00:30:25] Yeah, absolutely. Jason, and we should talk after this podcast. We'll talk, you know, this. I think there's a lot of synergies.  [00:30:31] Okay. Very cool. So, well, what else should property managers or investors listen to the show know about HomeAbroad or Ziffy that we haven't covered? Or what questions do people tend to ask that they're concerned about? [00:30:45] Yeah, I think, you know, one of the things, you know, that we also advise our clients, right? You know, it's not about, you know, property management eating into my cash flow, right? Because that's something that we see, you know, people concerned about, or people you know, like want to kind of, you know, want to do it by themselves because they want to make sure they maximize their cash flow, right? [00:31:05] But what we tell our clients, you know, at the end of the day, you got to think of it as a business, right? And what's your net return and how do you value your time? Right. What's the hourly rate that you assign to yourself, right? And what would else you'd be doing if you're not managing five properties on your own? [00:31:21] Right? That's an opportunity cost, right? So think about this more from an opportunity cost standpoint versus, you know, okay, it's eating into my cashflow because that opportunity cost can help you buy five more properties, right? That can, you know, overall amplify your return on your cash invested versus nickel and diming, you know, the money that you're trying to save, right? [00:31:42] And you know, when we kind of, you know, talk to them about your, their ROI return cash, we want them to kind of consider this as an expense that goes into it. Because at the end of the day, even though we are not the property management providers, right, we partner with your clients, so to speak, Jason, right? [00:31:58] We are trying to do what's in best interest of that client in order to build that real estate investment portfolio. Right. So that's something that, you know, just want to reiterate to you, to the listeners of your podcast. Right. Why partner with us? You know, because that's something that we inherently, you know, advise our clients, you know, and we position property management as one of the pillars, they need to really succeed to build a successful real estate investment portfolio. [00:32:22] So you kind of insulate, because I know there's some property managers listening and they're like, man, some of these foreign investors are such cheapos. They're like so cheap and they complain about everything and they're really difficult. You kind of insulate them from that. Yep. With your organization and you know, and property management really, yeah. It is a no brainer. I mean, there's a lot of properties that a lot of these investors on their own probably wouldn't even accurately raise rent. And so if they didn't raise rent over the last two to three years, for example, they're probably 10% below market rate anyway. And so if the property manager just kept rent where it actually is in the marketplace, the property management basically is free. [00:33:01] Yeah, it pays for itself. Hundred percent. It's a no brainer. And so, yeah, I think the biggest mistake investors can make period, if you're an investor listening to the show, is to not use a property manager, a good one. Because there are bad ones. But if you can find a good one, that is the biggest game changer because it takes all the work off your plate and you make just as much money. [00:33:22] Absolutely. And another thing for your listeners, Jason, right. You'd be surprised how few people know about the specialized loan products for DSCA investor, right? So if your client is with you managing one property and is thinking in my head, oh, I already have a mortgage in my primary, I have another investment property here. [00:33:38] No way in the world I can buy another investment property. It's an education gap. It's a knowledge gap, right? Yeah. So they can help educate and that's where like and HomeAbroad comes in. because we will educate them on your behalf. You know, you retain the relationship, you retain your brand, right? We'll white label it, but like not only show them properties that will give them their next cashflow investment. [00:33:58] But also educating them, okay, for this loan to qualify, I don't need to see your debt to income ratio. I'm going to qualify based on that property's income. And you know, the only upfront cost is an appraisal cost, right? But us being the mortgage shop, you know, vetting that, okay, this property gives you cash flow, or from a conservative standpoint, it's good for you at the end of the day because you know, you won't invest if the property is not cashflow policy from day one, right? [00:34:24] So something that people don't know, you know, and there's a gap there.  [00:34:27] Yeah, we've had some lenders on talking about DSCR loans in the past, and yeah, a lot of people just aren't aware of it as an option. Yeah. So property managers, if they can have a partner like yourself to, you know, educate them on these alternate sources of funding and methods of getting cash to invest in real estate. [00:34:46] Yeah, it's going to open up the door. Not only that, but I like the idea of those because it kind of creates this veil of protection. So it's not an asset in your name if there ever is a liability with the rental property. Absolutely. They don't even know who the owner is. It's an entity and there's kind of a shield there of protection. [00:35:05] And so there's some additional advantages to going that route as well.  [00:35:09] So, absolutely. And like majority of our clients request the title in an LLC. What's the reason that you just mentioned you always need to have that, you know, protection around you in a litigation rich country, so. [00:35:21] Got it. Cool.  [00:35:22] Well, hey, I think this is a really awesome idea Amresh. It's great to have you on the DoorGrow Show. Any parting words or how can people get in touch and how can they find out more?  [00:35:32] Sure. You know, so if you're a property management company, you can get them in touch with us at partner@homeabroadinc.com or partner@ziffy.ai. [00:35:42] You know, my personal email address is amresh.singh@homeabroadinc.com. You can shoot me an email as well. Website is HomeAbroadinc.com for HomeAbroad and Ziffy.ai for our Ziffy brand. Okay.  [00:35:56] Awesome. Alright, thanks so much for coming to the show. So those of you listening, if you've ever felt stuck or stagnant, you want to take your property management business to the next level, reach out to us at doorgrow.com. [00:36:07] Also, be sure to join our free community just for property management business owners at doorgrowclub.com. We reject 60 to 70% of the people that apply to join that group. And if you found this even a little bit helpful, don't forget to subscribe. Leave us a review. We'd really appreciate it. Until next time, remember, the slowest path to growth is to do it all alone, so let's grow together. [00:36:30] Bye everyone.

durée : 00:22:00 - Cultures Monde - par : Mélanie Chalandon, Julie Gacon - Le retour de Donald Trump au pouvoir marque une intensification sans précédent de sa lutte contre ce qu'il appelle "l'idéologie de genre". La journaliste Julie Jammot rentre des États-Unis où elle a rencontré des personnes transgenres qui luttent contre le recul de leurs droits. - réalisation : Cassandre Puel - invités : Julie Jammot Journaliste à l'AFP

Tous les matins, à 6H10 et 8H40, c'est les Sondages du matin.

Aujourd'hui dans "Punchline", Thierry Cabannes et ses invités débattent de l'escalade militaire entre Téhéran et Tel-Aviv.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

durée : 00:03:11 - Sous les radars - par : Sébastien LAUGENIE

durée : 00:03:11 - Sous les radars - par : Sébastien LAUGENIE

Résistance, collaboration, attentisme… que faisaient vraiment les Français entre 1940 et 1944 ? Il y a 85 ans, l'Allemagne nazie envahissait la France. C'était le début de quatre années d'Occupation. Chaque année, le 18 juin, on commémore le message lancé depuis Londres par le général de Gaulle en 1940. Cet appel à la Résistance est devenu un symbole car beaucoup de Français aiment se souvenir que certains de leurs ancêtres ont eu le courage de dire non à l'ennemi. Mais entre 1940 et 1944, la France était en réalité dirigée par un régime autoritaire, mené par le maréchal Pétain, un ancien héros de la Première Guerre mondiale. Alors, comment vivait-on en France pendant cette période ? Est-ce que la majorité des citoyens soutenait de Gaulle et la Résistance ? Ou bien suivaient-ils Pétain et le régime de Vichy ? La réalité est bien plus complexe. Dans cet épisode, Hugo et Ingrid reviennent sur ces années sombres. Ils racontent l'invasion allemande et les réactions politiques de 1940. Ils expliquent le fonctionnement du régime de Vichy, autoritaire et antisémite. Et enfin, ils explorent les différentes attitudes des Français. Retrouvez la transcription de cet épisode sur innerfrench.com Vous avez envie de progresser avec nous ? Découvrez nos cours en ligne sur courses.innerfrench.com  

durée : 00:03:14 - Sous les radars - par : Sébastien LAUGENIE

Aujourd'hui, Joëlle Dago-Serry, Antoine Diers et Etienne Liebig débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

Invité: Jean-Yves Leloup. Qui ne sʹest pas déhanché un jour sur Abba, les Bee Gees ou Donna Summer? Plus de 50 ans après ses débuts, le disco fait toujours danser. Mais quel est son histoire? Sous ses airs hédonistes, pas prise de tête, le disco est-il aussi une musique politique? Quel a été lʹinfluence du disco sur la mode, le design? Tribu reçoit Jean-Yves Leloup, journaliste, DJ et commissaire de lʹexposition "Disco, I'm coming out", à voir à la Philharmonie de Paris jusquʹau 17 août 2025.

durée : 00:04:10 - Le Zoom de France Inter - C'est un été de sport féminin qui commence. Coup d'envoi ce mercredi soir de l'Eurobasket, il y aura ensuite l'Euro de foot, le Tour de France et, fin août, la Coupe du monde de rugby. Ces disciplines sont aujourd'hui toutes diffusées sur des grandes chaines gratuites, et c'est assez nouveau.

durée : 00:03:14 - Sous les radars - par : Sébastien LAUGENIE

Vols à l'arrachée, cambriolages nocturnes, combats de rue à coups de machette… À Juba, la capitale du Soudan du Sud, la criminalité des jeunes explose. Des dizaines de gangs quadrillent la ville. Leurs membres sont en majorité des adolescents ayant fui leurs familles démunies, voire maltraitantes, souvent durement frappées par la guerre civile. Pour eux, le gang est une nouvelle famille, et c'est une source de subsistance. Mais c'est surtout un univers violent, un piège. Nous sommes allés à la rencontre de ces jeunes gangsters de Juba, que l'ONG Gredo, soutenue par l'Unicef, tente d'aider à s'en sortir. «Soudan du Sud : à Juba, les jeunes sous l'emprise des gangs», un Grand reportage de Florence Miettaux.

durée : 00:03:17 - Sous les radars - par : Sébastien LAUGENIE

durée : 00:03:17 - Sous les radars - par : Sébastien LAUGENIE

Virginie Girod raconte la dynastie Borgia, dont le nom, entouré de légende, charrie un imaginaire de sexe et de corruption. Dans le premier épisode de ce double récit inédit d'Au coeur de l'Histoire, le cardinal Rodrigo Borgia (1431-1503) s'adonne au péché de luxure, engendrant plusieurs enfants. A Rome, il tisse un réseau d'influence tentaculaire qui lui permet d'être élu pape en 1492. Sous le règne d'Alexandre VI, le Vatican devient une affaire de famille. Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

durée : 00:04:50 - Le Reportage de la rédaction - Le salon du Bourget s'ouvre avec 2 400 exposants venus de 48 pays. Malgré une forte demande d'avions, les sous-traitants du secteur peinent à produire, freinés par l'inflation, le manque de main-d'œuvre et les tensions géopolitiques.

Cela fait maintenant plusieurs années que les géologues scrutent avec fascination un phénomène spectaculaire en Afrique de l'Est. On y observe en effet la lente ouverture du Rift est-africain, une immense fracture qui s'étire sur plus de 3000 kilomètres, du nord de l'Éthiopie jusqu'au sud du Malawi. À la surface, cela ressemble à une série de vallées, de failles, de volcans, de lacs allongés. Mais en réalité, ce que nous voyons n'est que la manifestation visible d'un gigantesque processus en profondeur.Comment expliquer ce phénomène ? A cause de la remontée de roches brûlantes venues du manteau terrestre, à plusieurs centaines de kilomètres sous nos pieds. Ce que les géologues appellent un panache mantellique. Cette colonne de roche partiellement fondue, plus chaude et plus légère que son environnement, pousse vers la surface, fragilisant la croûte terrestre.Grâce à l'imagerie sismique — une technique qui permet de "voir" l'intérieur de la Terre en analysant la propagation des ondes sismiques — les chercheurs ont mis en évidence cette anomalie thermique sous la région. Une étude parue en 2023 dans la revue Nature Geoscience a confirmé que le panache mantellique sous l'Afrique de l'Est était à l'origine de l'amincissement progressif de la croûte.Conséquence directe : la croûte terrestre se fissure, s'étire. En Éthiopie, au niveau de l'Afar, des failles béantes de plusieurs mètres de large sont apparues en quelques jours, suite à des épisodes de volcanisme et de séismes. En 2005, une fracture de 8 mètres de large s'était ainsi ouverte en quelques heures près du volcan Dabbahu.Mais ce processus est-il en train de casser le continent en deux ? À très long terme, oui. Le Rift est-africain est considéré comme une zone de rifting actif. Si le processus se poursuit pendant des millions d'années, il pourrait aboutir à la formation d'un nouvel océan. L'Afrique de l'Est se détacherait alors du reste du continent, comme cela s'est produit pour la mer Rouge.Pour l'instant, nous en sommes aux premiers stades de cette rupture tectonique. Le taux d'ouverture du Rift est de l'ordre de quelques millimètres par an. C'est lent à l'échelle humaine, mais rapide à l'échelle géologique.Ce phénomène nous rappelle que les continents sont loin d'être immobiles. Sous nos pieds, la Terre est en perpétuel mouvement, poussée par des forces colossales que nous commençons à peine à comprendre. L'Afrique de l'Est, quant à elle, nous offre un laboratoire naturel exceptionnel pour observer ce processus en direct. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

durée : 00:03:45 - Les P'tits Bateaux - par : Camille Crosnier - C'est la question posée par Gabin, 11 ans. L'historien Clive Laming est spécialiste de l'histoire des chemins de fer, il lui répond en décryptant le rôle fondamental de ce qu'on appelle le ballast, véritable "matelas" de la voie ferrée. - invités : Clive LAMMING - Clive Lamming : Historien des chemins de fer - réalisé par : Stéphanie TEXIER

Obtenez 15% de rabais et la livraison gratuite avec le code WARD15 sur  https://ca.manscaped.com/frCet épisode est une présentation de Dose. Obtenez 20 % de rabais avec mon code SOUSECOUTE20 : http://go.dosejuice.com/sousecouteCet épisode est une présentation de Polysleep. Utilisez le code MIKEWARD30 sur https://polysleep.ca/fr pour obtenir 30 % de rabais.Pour cet épisode de Sous Écoute, Mike reçoit Jean-Thomas Jobin et Patrice Robitaille pour parler de Québec-Montréal et d'improvisation.---------Pour vous procurer la Ward Vodka - http://wardvodka.ca/ et la Ward Diet Cola  - http://wardcola.ca/Pour vous procurer des billets du spectacle Modeste - https://mikeward.ca/fr--------Patreon - http://Patreon.com/sousecouteTwitter - http://twitter.com/sousecouteFacebook - https://www.facebook.com/sousecoute/instagram - https://www.instagram.com/sousecouteTwitch - https://www.twitch.tv/sousecouteDiscord - https://discord.gg/6yE63Uk Obtenez 15% de rabais et la livraison gratuite avec le code WARD15 sur  https://ca.manscaped.com/frCet épisode est une présentation de Dose. Obtenez 20 % de rabais avec mon code SOUSECOUTE20 : http://go.dosejuice.com/sousecoute ★ Support this podcast on Patreon ★

Fabrizio Bucella "Comment gagner à pile ou face et autres énigmes scientifiques ébouriffantes" (Allary Editions)Le professeur Bucella décrypte notre quotidien en lui apportant un éclairage scientifique à la fois accessible et fascinant:Pourquoi la tartine tombe-t-elle toujours du côté de la confiture ?Comment fonctionne une essoreuse à salade ?Pourquoi prend-on toujours la mauvaise file ?Comment refroidir une bouteille rapidement ?Est-il possible de fabriquer une cape d'invisibilité à la Harry Potter ?Pourquoi le spaghetto ne se brise-t-il jamais en deux morceaux ?Sous la pluie, faut-il courir ou marcher ?Combien de fois faut-il plier une feuille de papier pour atteindre la Lune ?Le père Noël pourrait-il exister ?Enfin un livre de science... humoristique !Musique : Bruce Springsteen "The river"Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Helen Keller, née en 1880 en Alabama, devient aveugle et sourde à 19 mois. Coupée du monde, elle sombre dans la colère et l'isolement. À 7 ans, elle rencontre Anne Sullivan, une jeune institutrice déterminée qui lui apprend à communiquer grâce à l'alphabet manuel. La révélation survient près d'un puits, lorsqu'Helen comprend le mot « eau ». Dès lors, elle apprend à lire, à écrire, puis à parler. Soutenue par Anne, elle intègre l'université Radcliffe et devient la première personne sourde et aveugle diplômée. Elle consacre ensuite sa vie à la défense des personnes handicapées, des femmes et des minorités. Malgré une histoire d'amour brisée par les conventions, elle poursuit son engagement mondial. Elle fonde une organisation humanitaire, rencontre les grands dirigeants du monde et reçoit la médaille de la Liberté. Elle meurt en 1968, laissant un héritage universel d'éducation, de résilience et de justice. Merci pour votre écoute Vous aimez l'Heure H, mais connaissez-vous La Mini Heure H https://audmns.com/YagLLiK , une version pour toute la famille.Retrouvez l'ensemble des épisodes de l'Heure H sur notre plateforme Auvio.be :https://auvio.rtbf.be/emission/22750 Intéressés par l'histoire ? Vous pourriez également aimer nos autres podcasts : Un jour dans l'Histoire : https://audmns.com/gXJWXoQL'Histoire Continue: https://audmns.com/kSbpELwAinsi que nos séries historiques :Chili, le Pays de mes Histoires : https://audmns.com/XHbnevhD-Day : https://audmns.com/JWRdPYIJoséphine Baker : https://audmns.com/wCfhoEwLa folle histoire de l'aviation : https://audmns.com/xAWjyWCLes Jeux Olympiques, l'étonnant miroir de notre Histoire : https://audmns.com/ZEIihzZMarguerite, la Voix d'une Résistante : https://audmns.com/zFDehnENapoléon, le crépuscule de l'Aigle : https://audmns.com/DcdnIUnUn Jour dans le Sport : https://audmns.com/xXlkHMHSous le sable des Pyramides : https://audmns.com/rXfVppvVous aimez les histoires racontées par Jean-Louis Lahaye ? Connaissez-vous ces podcast?Sous le sable des Pyramides : https://audmns.com/rXfVppv36 Quai des orfèvres : https://audmns.com/eUxNxyFHistoire Criminelle, les enquêtes de Scotland Yard : https://audmns.com/ZuEwXVOUn Crime, une Histoire https://audmns.com/NIhhXpYN'oubliez pas de vous y abonner pour ne rien manquer.Et si vous avez apprécié ce podcast, n'hésitez pas à nous donner des étoiles ou des commentaires, cela nous aide à le faire connaître plus largement. Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Le 22 avril 1802, lors d'un bal à l'Hôtel de Brienne, Napoléon Bonaparte rencontre pour la première fois François-René de Chateaubriand. L'écrivain, alors en pleine ascension, espère gagner les faveurs du Premier Consul. Mais entre les deux hommes, l'alchimie n'opère pas. Chateaubriand, exilé pendant la Révolution, a perdu une partie de sa famille sous la Terreur. De retour en France, il tente de concilier foi, monarchie et littérature. Malgré une brève nomination à Rome, son arrogance et ses convictions monarchistes déplaisent à Napoléon. Après l'exécution du duc d'Enghien, Chateaubriand démissionne par principe. Il devient alors l'un des opposants les plus virulents du futur empereur. Leur affrontement idéologique se joue par plume interposée. Deux figures flamboyantes, irréconciliables, mais liées pour toujours dans l'Histoire. Merci pour votre écoute Vous aimez l'Heure H, mais connaissez-vous La Mini Heure H https://audmns.com/YagLLiK , une version pour toute la famille.Retrouvez l'ensemble des épisodes de l'Heure H sur notre plateforme Auvio.be :https://auvio.rtbf.be/emission/22750 Intéressés par l'histoire ? Vous pourriez également aimer nos autres podcasts : Un jour dans l'Histoire : https://audmns.com/gXJWXoQL'Histoire Continue: https://audmns.com/kSbpELwAinsi que nos séries historiques :Chili, le Pays de mes Histoires : https://audmns.com/XHbnevhD-Day : https://audmns.com/JWRdPYIJoséphine Baker : https://audmns.com/wCfhoEwLa folle histoire de l'aviation : https://audmns.com/xAWjyWCLes Jeux Olympiques, l'étonnant miroir de notre Histoire : https://audmns.com/ZEIihzZMarguerite, la Voix d'une Résistante : https://audmns.com/zFDehnENapoléon, le crépuscule de l'Aigle : https://audmns.com/DcdnIUnUn Jour dans le Sport : https://audmns.com/xXlkHMHSous le sable des Pyramides : https://audmns.com/rXfVppvVous aimez les histoires racontées par Jean-Louis Lahaye ? Connaissez-vous ces podcast?Sous le sable des Pyramides : https://audmns.com/rXfVppv36 Quai des orfèvres : https://audmns.com/eUxNxyFHistoire Criminelle, les enquêtes de Scotland Yard : https://audmns.com/ZuEwXVOUn Crime, une Histoire https://audmns.com/NIhhXpYN'oubliez pas de vous y abonner pour ne rien manquer.Et si vous avez apprécié ce podcast, n'hésitez pas à nous donner des étoiles ou des commentaires, cela nous aide à le faire connaître plus largement. Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Le 17 juillet 2001, sur les pentes mythiques de l'Alpe d'Huez, Lance Armstrong signe l'un des plus grands coups de bluff de l'histoire du Tour de France. Derrière cette victoire éclatante se cache une machine à gagner… et à dissimuler. Le récit retrace l'ascension fulgurante d'un survivant du cancer devenu idole planétaire, avant de tomber en disgrâce. Dopage systémique, réseau organisé, manipulation : Armstrong était le centre d'un empire de la triche. De son aveu choc face à Oprah Winfrey à sa radiation à vie, l'affaire révèle les failles d'un sport gangrené. Entre exploits surhumains et mensonges bien huilés, ce récit décortique la chute d'un roi déchu, et le plus grand scandale de l'histoire du cyclisme. Merci pour votre écoute Vous aimez l'Heure H, mais connaissez-vous La Mini Heure H https://audmns.com/YagLLiK , une version pour toute la famille.Retrouvez l'ensemble des épisodes de l'Heure H sur notre plateforme Auvio.be :https://auvio.rtbf.be/emission/22750 Intéressés par l'histoire ? Vous pourriez également aimer nos autres podcasts : Un jour dans l'Histoire : https://audmns.com/gXJWXoQL'Histoire Continue: https://audmns.com/kSbpELwAinsi que nos séries historiques :Chili, le Pays de mes Histoires : https://audmns.com/XHbnevhD-Day : https://audmns.com/JWRdPYIJoséphine Baker : https://audmns.com/wCfhoEwLa folle histoire de l'aviation : https://audmns.com/xAWjyWCLes Jeux Olympiques, l'étonnant miroir de notre Histoire : https://audmns.com/ZEIihzZMarguerite, la Voix d'une Résistante : https://audmns.com/zFDehnENapoléon, le crépuscule de l'Aigle : https://audmns.com/DcdnIUnUn Jour dans le Sport : https://audmns.com/xXlkHMHSous le sable des Pyramides : https://audmns.com/rXfVppvVous aimez les histoires racontées par Jean-Louis Lahaye ? Connaissez-vous ces podcast?Sous le sable des Pyramides : https://audmns.com/rXfVppv36 Quai des orfèvres : https://audmns.com/eUxNxyFHistoire Criminelle, les enquêtes de Scotland Yard : https://audmns.com/ZuEwXVOUn Crime, une Histoire https://audmns.com/NIhhXpYN'oubliez pas de vous y abonner pour ne rien manquer.Et si vous avez apprécié ce podcast, n'hésitez pas à nous donner des étoiles ou des commentaires, cela nous aide à le faire connaître plus largement. Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

durée : 00:04:50 - Le Reportage de la rédaction - Le salon du Bourget s'ouvre avec 2 400 exposants venus de 48 pays. Malgré une forte demande d'avions, les sous-traitants du secteur peinent à produire, freinés par l'inflation, le manque de main-d'œuvre et les tensions géopolitiques.

Au crépuscule du XVe siècle, à Rome, Rodrigo Borgia devient le 214e pape de l'Eglise catholique à l'issue d'un conclave riche en rebondissements. Sous le nom d'Alexandre VI, Borgia entre dans l'Histoire. La semaine prochaine, dans Au cœur de l'Histoire, plongez dans les arcanes du pouvoir pontifical, aux côtés de l'influent Rodrigo, de la belle Lucrèce et de l'ambitieux César Borgia, autant de personnages historiques dont la littérature et le cinéma se sont emparés, forgeant leur légende noire… Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

C dans L'air - Emission spéciale du 15 juin 2025: Trump-Poutine: Ils veulent tuer l'EuropeA quel point l'Amérique a t-elle été infiltrée par les Russes? On a beaucoup parlé des campagnes de désinformation qu'auraient mis en place la Russie pour influer sur les élections présidentielles. Nous avons rencontré un membre important de l'équipe chargée de déstabiliser certains régimes, c'est la 1ère fois qu'il témoigne. Il est...américain.Production : Maximal Productions, une société MediawanRéalisation : Gaëlle Schwaller et Alain PirotCommentaires et entretiens : Caroline RouxProduit par Stéphanie Gillon

durée : 00:58:28 - Le Cours de l'histoire - par : Xavier Mauduit, Maïwenn Guiziou - Des côtes normandes de Dieppe sous l'Ancien Régime aux récifs coralliens de l'Algérie coloniale, qu'est-ce que le travail de la pêche et de ses acteurs, des matelots aux administrateurs, nous apprennent de l'histoire environnementale de la mer ? - réalisation : Laurence Millet - invités : Romain Grancher Historien, chargé de recherche au CNRS, spécialiste de l'histoire sociale et environnementale des mondes de la pêche; Hugo Vermeren Historien, chargé de recherche au CNRS, spécialiste du Maghreb contemporain et de l'histoire environnementale

durée : 00:05:40 - Le Journal de l'éco - par : Anne-Laure Chouin - À Nice, la pêche a été au coeur de nombreux débats sur les moyens de maintenir la biodiversité et des populations de poissons en bon état, tout en continuant de nourrir les populations.

Cette semaine, Actuelles s'intéresse aux travailleuses agricoles égyptiennes. Elles représentent 45% de la main-d'oeuvre du secteur, et parfois la quasi totalité dans certaines régions. Elles abattent le même travail que les hommes, mais pour la moitié de leur salaire, et bien souvent sans contrat. 

(June 10, 2025 - Hour Two)On the show tonight:Marvin Weinberger - Grill Fighter (brush)Bob Healey - GrillblazerThe BBQ Central Show SponsorsPrimo GrillsPitts & Spitts BBQ Pits - Use "bbqcentral" at checkout for a free spice pack.Big Poppa Smokers – Use promo code “REMPE15” for 15% off your entire purchase!FireboardPit Barrel CookerMicallef Cigars – Premium Hand Rolled Cigars

durée : 00:03:42 - Sous les radars - par : Sébastien LAUGENIE

durée : 00:03:42 - Sous les radars - par : Sébastien LAUGENIE

“Under The Mandarin Moon,” or as Pearl & The Oysters say “Sous la lune mandarine,” is the latest example of the group’s musical superpower: exploring a difficult subject over a wistful, Bossa-nova-tinged tune. This song is the LA band’s abstract attempt at describing the dreadful night when the Eaton fire broke out… an event which directly affected the band and friends from their tight-knit community. Commune with them in person at Lodge Room on Thursday, Jul. 10.

Le Journal en français facile du mercredi 11 juin 2025, 18 h 00 à Paris.Retrouvez votre épisode avec la transcription synchronisée et des exercices pédagogiques pour progresser en français : http://rfi.my/Bkdh.A

Aujourd'hui, une petite histoire surprenante… Celle d'un poète anglais de la Renaissance… qui a changé notre quotidien sans que personne ou presque ne connaisse son nom. Il s'appelait John Harington. Et il est l'inventeur… de la chasse d'eau !Oui, vous m'avez bien entendu. Derrière ce geste anodin — tirer la chasse — il y a l'idée brillante d'un écrivain du XVIᵉ siècle. Mais revenons un peu en arrière.John Harington naît en 1560, dans une famille aristocratique. C'est un homme cultivé, proche de la reine Élisabeth Iʳᵉ. Il écrit des poèmes, des satires, il traduit Virgile… Bref, un pur esprit de cour. Mais un poète un peu trop espiègle : ses écrits licencieux lui valent d'être temporairement banni de la cour.Pendant cet exil, il se passionne pour un sujet bien plus terre-à-terre… l'hygiène ! Car à l'époque, les toilettes sont un véritable problème. On utilise encore des pots de chambre, des latrines puantes… même dans les palais royaux.Harington se dit qu'on peut faire mieux. Il conçoit alors un dispositif qu'il baptise malicieusement "Ajax" — un jeu de mots entre le héros grec et le mot anglais jakes, qui désigne les latrines.Le principe ? Simple et génial : une cuvette reliée à un réservoir d'eau. Quand on actionne un levier, une grande quantité d'eau est libérée… et nettoie la cuvette. Autrement dit : la première chasse d'eau moderne !Harington écrit même un livret détaillant son invention : A New Discourse upon a Stale Subject: The Metamorphosis of Ajax. Sous couvert d'humour, il décrit précisément le mécanisme.Séduite par l'idée, la reine Élisabeth elle-même fait installer un exemplaire dans son palais de Richmond. Mais à l'époque, les villes n'ont pas encore les réseaux d'égouts nécessaires. L'invention reste donc marginale.Ce n'est qu'au XIXᵉ siècle, avec l'essor de l'urbanisme moderne, que la chasse d'eau inspirée par Harington se généralisera dans les foyers.Alors, la prochaine fois que vous tirez la chasse, ayez une petite pensée pour ce poète-inventeur visionnaire. John Harington, l'homme qui a prouvé… qu'un esprit brillant pouvait vraiment s'intéresser à tout. Même… aux toilettes ! Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

C dans l'air l'invitée du 10 juin 2025 avec Agnès Verdier-Molinié, directrice de la Fondation l'Ifrap, et auteure de Face au mur, publié aux éditions de l'Observatoire. Le gouvernement de François Bayrou cherche les 40 milliards d'euros nécessaires pour ramener le déficit public à 4,6% du PIB en 2026. Le ministre de l'Economie Eric Lombard table sur une réduction radicale des dépenses, "sans hausse globale des impôts". Il a indiqué qu'il fallait "qu'on engage la baisse du nombre de fonctionnaires", sans toutefois donner des précisions chiffrées. La piste d'une "année blanche" a également été envisagée. En clair, un gel budgétaire, sans ajustement sur l'inflation, qui selon le quotidien les Echos, permettrait de rapporter "15 à 25 milliards d'euros".Ce matin, Amélie de Montchalin, ministre chargée des Comptes publics, était l'invitée de RT. Elle a indiqué qu'il fallait "prendre des décisions historiques" car "il y a un risque de tutelle des institutions internationales et de nos créanciers".Agnès Verdier-Molinié, directrice de la fondation Ifrap, et auteure de Face au mur , aux éditions de l'Observatoire, nous expliquera le plan de sa fondation pour faire des économies budgétaires, et nous donnera son avis sur le risque de mise sous tutelle de la France par le FMI.

durée : 00:55:14 - Les informés de franceinfo - Tous les jours, les informés débattent de l'actualité autour d'Agathe Lambret et de Jean-Rémi Baudot.

durée : 00:03:28 - Sous les radars - par : Sébastien LAUGENIE

durée : 00:03:28 - Sous les radars - par : Sébastien LAUGENIE

Aujourd'hui dans "Punchline", Laurence Ferrari et ses invités débattent de la situation à Los Angeles, notamment de la mise en place d'un couvre-feu partiel lors d'émeutes après l'expulsion et l'arrestation de nombreux immigrés mexicains.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

La ministre des Comptes publics a brandi la menace d'une intervention d'instances internationales ou européennes pour gérer les comptes publics de la France. Faut-il être alerté par cet avertissement ?Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Aujourd'hui dans "Punchline", Laurence Ferrari et ses invités débattent de la situation à Los Angeles, notamment de la mise en place d'un couvre-feu partiel lors d'émeutes après l'expulsion et l'arrestation de nombreux immigrés mexicains.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Le Journal en français facile du mardi 10 juin 2025, 18 h 00 à Paris. Retrouvez votre épisode avec la transcription synchronisée et des exercices pédagogiques pour progresser en français : http://rfi.my/BkS2.A

Théodora, la chanteuse et rappeuse franco-congolaise présente MEGA BBL  la version augmentée de son album Bad Boy Lovestory. Depuis la sortie de son titre, KONGOLESE SOUS BBL, la jeune artiste est sous les feux des projecteurs, multipliant les collaborations à l'instar de Juliette Armanet ou Jul. Accompagnée de son invité, son frère et manager Jeez, elle répond aux questions de Claudy Siar, Yasmine Bakayoko et Stéphane Linon.   Pour visionner les clips, cliquez sur les titres des chansons :  Théodora feat Luigi - GO  Théodora - Fashion Designa Théodora - Kongolese sous BBL Rihanna - Pon de Replay   Théodora - Entracte : Histoire d'amour, Commérages et Chardonnay Théodora - Un meilleur nous    Retrouvez notre playlist sur Deezer.   

durée : 00:03:40 - Sous les radars - par : Sébastien LAUGENIE

Ce mardi 10 juin, le FMI et la crise économique de la France ont été abordés par Patrick Bertrand, directeur général des opérations d'Holnest, Christian Poyau, PDG de Micropole, et Christian Parisot, économiste, conseiller auprès d'Aurel BGC, dans l'émission Les Experts, présentée par Nicolas Doze sur BFM Business. Retrouvez l'émission du lundi au vendredi et réécoutez la en podcast.

durée : 00:03:40 - Sous les radars - par : Sébastien LAUGENIE

durée : 00:28:48 - Les Pieds sur terre - par : Alice Milot - Laurent Ballesta, plongeur, et Jean-François Clervoy, astronaute, sont deux aventuriers qui aiment explorer des territoires privés d'oxygène. En apnée ou en apesanteur, partez à l'aventure ! - réalisation : Cécile Laffon, Delphine Lemer