Podcasts about with va

Kelly wears a number of different hats. She's a mom of three little boys, a wife to a husband who travels a lot for business, a landlady and real estate investor, on top of her bookkeeping business. [3:30] The real estate side of things were happening before the bookkeeping business came into the picture. Kelly and her husband were both working full time and had a couple of rental properties but having kids really changed things. They made some big moves, sold their properties and that was initially how Kelly found bookkeeping as a viable option. [7:15] Kelly now works from home as a bookkeeper. Her former career was in financial services helping clients invest their money. She enjoyed the numbers aspects of the job and helping people with their money. She stumbled on the idea of bookkeeping after having a chance conversation with her godfather. [8:40] She started out doing everything wrong (in her words) but she figured it out day by day. Kelly thought that there must be other businesses out there that need bookkeeping services, and that's when she found Ben's videos online and joined the course. [9:40] The best part of the bookkeeping business is the flexibility to make her own schedule. Kelly also enjoys working with people and hearing how they built their business, it also helps that she genuinely enjoys doing their books. [11:00] There were challenges at every turn but right now Kelly's biggest challenge is in bringing people into her business and leveraging them to create more time for herself. [12:10] Always start with the vision of where you want to go. Your vision gives you context to make better decisions. It needs to be specific and well defined in order to be useful. [13:00] Kelly has a three-year vision where she wants to grow slowly and bring in some contractors to help her. She has a pretty aggressive income goal of quadrupling her current income, and one of her goals is for her bookkeeping business to help fund her real estate activities. [15:20] One of the things that Kelly always puts off is the manual data entry tasks. This is one task that she be added to Kelly's not-to-do list right away and is a good candidate for a virtual assistant to take on. Make your to-do list every single day and mark the tasks that you just don't want to do, those are your first targets for delegation. [18:15] As you scale your business, the benefit you get is exponential but the downside is also exponential if you don't get it right at the beginning. [19:30] Always ask yourself this question, ‘What are my clients paying me for?' Are they paying you to do manual entries? No, that's part of what you do to get what they are paying you for but they aren't paying you for that. They are paying for your smile, for your information, for your reports, and for your interpretation. [20:10] Only do what you can do. Find someone who can follow instructions, document your task, and then give it to them to take care of. [21:00] Start with the smallest and least technical tasks and then increase the workload a bit at a time. Starting small keeps the costs down and reduces the learning curve. When someone does make a mistake, make sure you show them what the error was instead of just fixing it yourself. [24:00] Bookkeeper Elite is a great place to find someone you can add to your team. [25:45] Temper the expectations at the beginning of the relationship. With VA's the time commitment is very flexible, unlike a traditional employee. [27:00] Kelly currently spends around 80 to 100 hours a month working on her business, not counting the random nightly phone calls from clients. [28:45] Work expands to fill the time allotted. Look at your schedule, chances are you can drop 20% of your time just by giving yourself a cap on the time you allow yourself to spend on it. When you are on you are your off time, be careful about letting your work intrude on your personal life. [32:40] Once you've been more efficient with your time, that will lead you to start thinking about who can help you make your time more useful.   Mentioned in this episode: Precision Bookkeeping     Contact us about the show: hello@ilovebookkeeping.com

Recently, I appeared on the “Real Estate Rundown” show with Bill Griffith to talk about home affordability and mortgages. What’s happening with mortgages? How much can a person afford when they want to buy a house? To determine how much you can afford when getting qualified for a loan, we look at two factors: How much you can personally afford, and your monthly payment limit. Clients will often use those numbers to decide how much they can afford by comparing them to what they currently pay in rent. We’ll also look at how much you have available to put down; after combining these factors, we can usually come up with a loan product that you’ll qualify for and which will hopefully match your monthly payment goals. “With VA loans, now you can get up to $1 million with zero down as long as you qualify.” After looking at your qualifications, income, assets, and credit, we’ll then take that and determine which loan product fits you best. We’ll even spell out the pros and cons of each one to help you make a better decision. There have been a few changes that are relevant to the discussion of which loans are the best fit. The VA loan, for example, changed their maximum spending limit with zero money down this year. In 2019, the maximum lending limit with zero down in San Diego was $690,000; now you can get up to $1 million with zero down as long as you qualify. If you want to know more about your options or you have any questions, give us a call at (169) 333-2556 or visit our website at www.DreamHomesTeamSanDiego.com.

One model business owners often follow is, “Hire slow. Fire fast.” With VA’s, I say “Hire Fast” because you want to get up and running as fast as possible. They are VA’s, so you don’t have the same commitment as you do when hiring full-time employees. In earlier pods, I also talk about giving VAs tiny objective tasks that lead to larger projects. This allows you to test a VA, which helps the "hire fast" model work. But, at the end of the day, if things don’t work out, just move on!To hear the full podcast, head on over to Spotify, iTunes or any other pod player to listen to the full podcast!LINKS & RESOURCESOnline Workshop Course (Register for my online course where you’ll learn step by step how to build your virtual assistant team) ROI Calculator (Use this quick tool to see how much you will save by hiring a virtual assistant)FREE Guide (In this guide, I offer a few suggestions on easy tasks to outsource and a canned template to instruct your VA how to do the task)FREE Worksheets (these will help you to uncover objective tasks to outsource to VA’s)Job Description & KPI TemplatesUncover Tasks to Delegate to VA’s!Facebook Group (Join the group to tune in on Facebook live broadcasts and more) ASK SwagSam ANYTHING: Email is Sam@CloneYourselfU.com and you can book a FREE Strategy call with me by going to Calendly.com/CLONE.THANK YOU!To Gettin Goin,Sam AKA SwagSamPS: WORKSHOP COURSE - Learn how to work less, make more and play more by building your virtual assistant team! Are you ready for my full blown process? Are you ready to take the leap and actually get the transformation you know you need? If you’re ready to learn my step-by-step process on how to scale your business by working with VA’s, then you’ll want to join the online course!Forget about the overwhelm, in this workshop I’ll be guiding you every step of the way to ensure you have success and can begin to breathe again. Learn more by checking it out on the link here.

Kelly wears a number of different hats. She’s a mom of three little boys, a wife to a husband who travels a lot for business, a landlady and real estate investor, on top of her bookkeeping business. [3:30] The real estate side of things were happening before the bookkeeping business came into the picture. Kelly and her husband were both working full time and had a couple of rental properties but having kids really changed things. They made some big moves, sold their properties and that was initially how Kelly found bookkeeping as a viable option. [7:15] Kelly now works from home as a bookkeeper. Her former career was in financial services helping clients invest their money. She enjoyed the numbers aspects of the job and helping people with their money. She stumbled on the idea of bookkeeping after having a chance conversation with her godfather. [8:40] She started out doing everything wrong (in her words) but she figured it out day by day. Kelly thought that there must be other businesses out there that need bookkeeping services, and that’s when she found Ben’s videos online and joined the course. [9:40] The best part of the bookkeeping business is the flexibility to make her own schedule. Kelly also enjoys working with people and hearing how they built their business, it also helps that she genuinely enjoys doing their books. [11:00] There were challenges at every turn but right now Kelly’s biggest challenge is in bringing people into her business and leveraging them to create more time for herself. [12:10] Always start with the vision of where you want to go. Your vision gives you context to make better decisions. It needs to be specific and well defined in order to be useful. [13:00] Kelly has a three-year vision where she wants to grow slowly and bring in some contractors to help her. She has a pretty aggressive income goal of quadrupling her current income, and one of her goals is for her bookkeeping business to help fund her real estate activities. [15:20] One of the things that Kelly always puts off is the manual data entry tasks. This is one task that she be added to Kelly’s not-to-do list right away and is a good candidate for a virtual assistant to take on. Make your to-do list every single day and mark the tasks that you just don’t want to do, those are your first targets for delegation. [18:15] As you scale your business, the benefit you get is exponential but the downside is also exponential if you don’t get it right at the beginning. [19:30] Always ask yourself this question, ‘What are my clients paying me for?’ Are they paying you to do manual entries? No, that’s part of what you do to get what they are paying you for but they aren’t paying you for that. They are paying for your smile, for your information, for your reports, and for your interpretation. [20:10] Only do what you can do. Find someone who can follow instructions, document your task, and then give it to them to take care of. [21:00] Start with the smallest and least technical tasks and then increase the workload a bit at a time. Starting small keeps the costs down and reduces the learning curve. When someone does make a mistake, make sure you show them what the error was instead of just fixing it yourself. [24:00] Bookkeeper Elite is a great place to find someone you can add to your team. [25:45] Temper the expectations at the beginning of the relationship. With VA’s the time commitment is very flexible, unlike a traditional employee. [27:00] Kelly currently spends around 80 to 100 hours a month working on her business, not counting the random nightly phone calls from clients. [28:45] Work expands to fill the time allotted. Look at your schedule, chances are you can drop 20% of your time just by giving yourself a cap on the time you allow yourself to spend on it. When you are on you are your off time, be careful about letting your work intrude on your personal life. [32:40] Once you’ve been more efficient with your time, that will lead you to start thinking about who can help you make your time more useful. Mentioned in this episode: Precision Bookkeeping

Markian Sich joins the show today to some specific things you can do to benefit yourself and your legacy as a member of the military. With VA loans, the government has put some things in place that many people may not know about. Markian talks about how he discovered real estate, the formation of his company, and the goals they’re trying to achieve for active service military members.   Key Takeaways:   [2:45] Markian is a third generation immigrant from Ukraine. While growing up in Ukraine, he always admired how cool America was, which planted the seeds for his return (so he could figure out why America was the way it was). He joined the Navy, commissioned as a Marine, and went to flight school. [6:00] He actually found real estate during active duty when he was looking for an additional source of income to support his travel to France to visit his wife. He read Rich Dad, Poor Dad, listened to podcasts, and found real estate at the same time as online business. [9:13] He wrote Military House Hacking as a manifesto for military guys on how to succeed. This was also to help military members transition successfully as well back into the real world. [12:55] Markian doesn’t remember the exact set of circumstances that led to him being involved in real estate, but he did come across it while looking for something that was going to help him earn some passive income. His first property was a rental property in Georgia, that he bought with his parents. His parents’ financial strategy was actually a goal that he wanted to emulate. [19:00] Markian shares the story of his and his parents hunting for their first property to purchase together. They partnered together — he was the brains, his mom was the people person, and his dad was the money guy. It was quite a doozy! [23:45] He got one of his first big rentals (a multi-unit apartment complex) through a “support group” of people like him who went to meet-ups and helped each other find properties. He made a video and his parents wrote letters to the property owner explaining why they wanted the property. One of the biggest takeaways from the early deals is the importance of persistence. [31:45] With this multi-unit apartment property, their cash flow was going to be about $8000-$10,000 per month. It was fully renovated, and the rent on each unit was about $650. All the numbers checked out, and this multi-unit property was going to help them establish their legacy. [36:20] Markian talks about the financing of the property, and also future plans for this property. [39:55] Active Duty Passive Income is a website that Markian started while he was going through the trials of his first few properties. It started as writings and videos, and now it’s turned into a social network that provides advice and mentorship. [41:55] The strategy they teach is that while you’re in the military, you should be buying, selling, and refinancing homes (smartly!) at every duty station using your VA loan, because it’s a 0% down. A VA loan is a Veterans Affair loan that allows you to buy a house that you intend to live in for 0% out of pocket. There are many other benefits of using a VA loan. [46:33] One of the biggest fears they’ve encountered is that service members are worried about falling into debt during a market downturn. When you’re getting into a property, you have to make sure the numbers make sense. Look both backward and forward to ensure that it will still provide cash flow if the market changes. If you don’t sell, you must be looking at cash flow numbers.   If you’d like to become part of the Active Duty Passive Income community, visit their website or Facebook page following the links below.   Mentioned in This Episode:   Meetings Daily REIA Show Facebook Page Brian’s Book   Active Duty Passive Income Facebook Group Social Network markian@activedutypassiveincome.com Military House Hacking Book (text “House Hacking” to 345345

Tom and Cindy Ralston join me today to talk about veteran buyers and VA loans. In the latest episode of my “Ask a Realtor” series, I invited Tom and Cindy Ralston back from Lyon Real Estate to talk about veteran buyers. When one of my clients makes an offer on a house they want, the first thing that I do is pick up the phone and call the listing agent. I want the listing agent to know about the strength of the buyer’s loan and their ability to close. With VA buyer’s specifically, I sometimes get  push back from the listing agent because there are some fees that the buyer is not allowed to pay. To overcome that push back, Cindy tells me that she encourages a larger earnest money deposit. Instead of a 1% earnest money deposit, they encourage you to put down 3%. They also told me that they want to work with a lender who can do the underwriting upfront and guarantee that there are no loan contingencies. This is sometimes called a “fast pass” and can help veteran buyers greatly. Even with no finance contingencies and a shorter close, there can still be some hesitance from the listing agent because of the unknown costs that can arise from a veteran buyer being unable to pay for fees. There is a rather long list of things that a veteran cannot pay for with regards to fees. Termite inspections and pest reports are common issues. While a veteran buyer cannot pay for the initial termite inspection which costs about $100, they are allowed to pay for any repairs that may be discovered from it. There are plenty of other things that a veteran can pay for including the appraisal. If a buyer wants to come in with a $0 down payment, we can get around some of the fees by using lender credit to pay for some of those items so that a seller does not have to pay for all of them. “Even with no finance contingencies and a shorter close, there can still be some hesitance from the listing agent because of the unknown costs that can arise from a veteran buyer being unable to pay for fees.” Lyon Real Estate has certified both Tom and Cindy to be part of the MOM program. Also called the Military on the Move program, it means a lot to Tom to be a part of it since he is an Air Force veteran and likes to give back. What happens with the MOM program is that Tom and Cindy give part of their commission back to the veteran. The nicest part of the program, though, is that if they have previously used their VA loan for a rental and are no longer eligible, MOM will still cover them. In fact, it can be used with an FHA or conventional loan as long as the person receiving the money is active or non-active military. To be eligible for this program, you do have to be lender approved. You may even be eligible if you are a family member to a veteran that needs assistance. To find out your eligibility, you can check with Tom or Cindy. If you have any additional questions or want to learn more about the MOM program, please feel free to contact Cindy at (916) 715-6899 or cralston@golyon.com or Tom at (916) 489-1090 or tralston@golygon.com. And, as always, if you have any mortgage questions, please contact me by phone or email. I look forward to speaking with you soon.

With VA away, the boys will try to hold down the fort, talking about the uneven start to the season, what exactly is going on with this team in the past week and where this is going. Like the Bruins 17-18 season, this podcast will not be boring

With any transaction there are certain fees that go with each purchase or sale. We have teamed up with movement mortgage to refund money based on these fees. So at closing they only need to bring the money they are putting down and no other out of pocket fees. With VA loans, they can actually get money back at closing and pay nothing out of pocket. We try to get you as much money back based on each loan, some loans won’t allow cash to be given back so instead we refund you for appraisal and survey fees etc. We will work with you to save you as much as we can through various rebate programs and promotions!

.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; height: auto; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; } There are many great Roseville and Sacramento area homes for sale. Click here to perform a full home search, or if you're thinking of selling your home, click here for a FREE Home Price Evaluation so you know what buyers will pay for your home in today's market. You may also call me at (916) 529-5342 for a FREE home buying or selling consultation to answer any of your real estate questions.What You Need to Know as a First-Time Home BuyerThe Sacramento real estate market has changed dramatically in the past year. We are seeing a lot more inventory on the market, as well as historically low interest rates. This surge in market activity has had us talking to a lot of first-time home buyers lately. Deciding to purchase your first home is a big step, and there is a lot of information you should be aware of. That is why we are joined today by our preferred lender Doug Jones. Doug is going to talk to us about some great programs that are out there, designed for first-time home buyers.There are some great programs out there right now for first time home buyers in the finance world. A lot of programs that require little down payments. There are a lot of reasons to put a small down payment on a home, but for first time home buyers, it's because you don't quite have the cash reserves to put $20,000 down on a home.There are 2 primary options that offer low down payment plans for 30-year fixed mortgages. FHA financing allows you to get into a home with just a 3.5% down payment. Conventional financing requires a minimum 5% down payment.The other 2 options are a little more complex. With VA financing, you aren't required to pay any down payment, but the catch is you will need to be either active-duty or retired military or national guard. If you have a document called the DD214, you are all but guaranteed a VA loan with 0% down. Another program is USDA. This is a rural program for unincorporated areas such as Lincoln, Loomis, and parts of Auburn. Those allow a small down payment as well. Another question that we get a lot from first time home buyers is what kind of down payment assistance we can offer. We can offer some great down payment assistance programs through CHDAP, or the California Housing Down Payment Assistance Program. This program is designed to be combined with an FHA loan to bring down the payment to between 1/2% and 1%.For conventional financing, while CHDAP doesn't lower the down payment from 5%, it allows you to use 3% of that 5% to cover closing costs. There are definitely a lot of great programs out there for first time home buyers. If you have any questions about mortgages, or about anything else real estate related, feel free to give us a call or send us an email. We would be more than happy to assist you!