Podcasts about Year Three

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Play Episode Listen Later Nov 6, 2024 4:21

Steve and Charlie listened to press conference audio from LSU head basketball coach Matt McMahon ahead of the Tigers' season opener vs. UL-Monroe.

526: Make America Rich Again, Coaching Call

Get Rich Education

Play Episode Listen Later Nov 4, 2024 56:57

Keith discusses the inefficiency of compound interest in wealth building, advocating for compound leverage through real estate investments. He illustrates how a $100,000 investment in a $500,000 property at a 6% annual return can yield much higher returns due to leverage (see the math below). He also explains how mortgage rates are influenced by long-term bond yields and discusses the benefits of real estate over stocks. A coaching call with GRE Investment Coach Naresh highlights the process of investing in real estate, including financing considerations and the role of a coach in guiding investors. Here's the math on a 5:1 leveraged RE return at a 6% appreciation rate: Year One: $500,000 x 1.06 = $530,000. Subtract $400K debt = $130,000 equity Year Two: $530,000 x 1.06 = $561,800. Subtract $400K debt = $161,800 equity Year Three: $561,800 x 1.06 = $595,508. Subtract $400K debt = $195,508 equity. GRE Free Investment Coaching: GREmarketplace.com/Coach Show Notes: GetRichEducation.com/526 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Automatically Transcribed With Otter.ai Keith Weinhold 0:00 Keith, welcome to GRE I'm your host. Keith Weinhold, make America rich again in play numbers. You'll get a fresh take today on how compound interest does not build wealth and compound leverage does. Then you'll learn about how bond market moves affect mortgage rates. Finally, you get to listening to a call between one of our investment coaches and a GRE follower today on Get Rich Education. Speaker 1 0:33 Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com Corey Coates 1:19 You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 1:35 Welcome to GRE from Altoona, Pennsylvania to Saskatoon, Saskatchewan, and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education, the voice of real estate investing Since 2014 you're going to hear some things that you've never heard before today, and some listeners tell us that GRE is unlike any real estate information they've ever heard. And with what I want to tell you today, well, again, it's information that I've never heard anywhere else, either. So what I endeavor to regularly do for you here on this show is to tell you what I wish I had known sooner make America rich again, nope, that is not my presidential campaign platform for my run in the year 2032, or anything like that. It is this, don't get your money to work for you. In fact, if you want real wealth, don't work for money or get your money to work for you. Don't make either of those things the focus anyway, avoid growing your money through compound interest, because that's not the formula either. Now you and I have covered that ground before, if you're new here, and that material makes you say what you might have thought things like that were the holy grail of wealth building, nope, and today, for the first time on the show, in over 500 episodes, I'm gonna put some real numbers to that to show you exactly what I mean. Let me explain to you how to invest to truly win in a way that you've never seen in your life. You're not gonna improve only your life, but generationally, your entire family's life. At your job, you are like a dock worker. You're trying to pull your boat up to the dock so that you can then make a short, easy hop onto the boat and get away. And you'll learn how I did that and how I would begin investing today if I could start all over again. Now, after I had graduated college and had a job, I used to think, Well, yeah, I'll invest through a 401K in mutual funds, because it's easy and it's just deducted right from my paycheck. Well, when you do the easy thing in life, there's usually not much reward. And back then, I thought, Well, why would I invest in real estate anyway? I mean, a stock and mutual fund return on investment is about 10% over time. Real Estate is more like five or 6% plus real estate has all these maintenance hassles, and in the stock market, your 10% return enjoys compound interest. I don't really know how that works over on the real estate side, all right. Well, let's look at some numbers with how this would all work anyway. Here we go with $100,000 invested in stocks at 10% after year one, it's grown to $110,000 in year two, you don't just have 120k you've got more, because the 10% compounds on the 110 10k so now in year two, you've got $121,000 and I bet that you don't see any problem in this yet, right? Hey, things are going great. And after year three, you're up to $133,100 All right, so there we are. You begin with 100k and after three years, you've got then $33,100 in profit, your gain, on top of your 100k All right, that's what compound interest does. Well, let's take a closer look at that. $33,100 first, okay, I could attack it a slew of reasonable ways, if I wanted to, we could subtract out the constant drags on that of inflation, emotion, taxes, fees and volatility. But let's just take one volatility. We smoothed out our 10% return saying that you achieved it every year in that example there, we know that does not happen in the real world. Stocks are volatile, and the more volatile the return, the lower the return. Because instead, if you were up 20% one year and then down 20% the next year, which stocks are known to do you're not even you're down your 100k would instead go up to 120k in year one and down to 96k in year two, a loss, like I've told you before, that right there is the difference between what's called the compounded annual growth rate and the average annual return. But we'll just leave stocks number right there. We'll say that despite all five drags, volatility, of which is just one, the compound interest still somehow gave you this $33,100 gain. That number is about to look really disappointing, and this is about to get really interesting. Let's compare that to real estate, and we'll say that despite that, it only returns, say, 6% per year here. Well, how do most people buy real estate? They do it with other people's money. OPM, remember earlier that I talked to you about how you don't create wealth from getting only your money to work for you, like you did in the stock example. Yeah, here's how you ethically use other people's money to buy real estate. When you invest 100k in a rental property. That's your 20% down. You get to borrow 80% from the bank, 400k so now you control a $500,000 property. And here's the thing, its entire value appreciates a 6% all 500k not only your 100k invested, yes, so you're now about to get the return on both your 100k and all of the bank's money. 400k that you get to leverage returns from both are about to go to you. Oh, yes, let's run these numbers, instead of compound interest, you're about to get compound leverage, using those borrowed funds to amplify your own return. So with your 100k invested on a 500k property at 6% after year one, you've got 130k after year two, $161,800 and after year three, $195,508 why? Because, again, your 6% return was accumulating on the 500k property. All right, so after year three, with this $195,508 you're gonna subtract out your 100k down payment, and your gain is $95,508 All right, that is compared to your compound interest based stock and mutual fund return of just $33,100 if you'd like to see the math for that leverage. Return that is in the show notes. Look for it there. See, by employing other people's money, it's like when you were a kid and in the evening, your body cast a shadow five times taller than you actually were. That's how leverage allows you to magnify returns and appear to be a bigger, taller investor than you actually are. Yes, your 20% down payment on real estate gave you five to one leverage amplifying your returns. If you listen to the show for a while, you understand that, but you never saw that numeric dollar per dollar comparison like we just did. So after three years, how about 33k profit on stocks and 95k on real estate? Real estate returns almost three times as much. But in reality, it's probably more than a 3x win for real estate because you're 95 Gain over three years in real estate, equity is actually going to be higher, because your tenant is also paying down your principal balance on your 400k loan every single month for 36 months in this three year example, if your property is vacant, 10% of the time they paid it down for you 33 out of 36 months, and as we know, at the same time, inflation pays down your loan even faster than the tenant does. Real Estate is also more tax advantaged than your stock gain, because you never have to pay capital gains tax on your 95k profit with a 1031 tax deferred exchange. And on the downside for real estate, upon owning the property, you will need to pay closing costs of maybe four to 5% of the purchase price. All right now, in this 95k gain for real estate versus 33k gain for stocks, I did some rounding there. Yes, even if your stock return was in a 401 K type fund, well, you would still have to either pay the tax now with a Roth or later with a traditional retirement plan. So you're still paying the tax. The higher real estate return is also more likely because real estate is less volatile than stocks, and I've got more vitally important things to tell you about how you just grew wealth about three times faster with leverage than with compound interest. And yes, this is exactly the kind of stuff I wish I knew when I had just started out. Now if you think you don't have the money for a down payment. I'll get into that. But first, a big review here, and I've woven threads of this review through previous episodes. First, don't focus on getting only your money to work for you. And second, stress compound leverage, not compound interest. Optimize using other people's money. And when you take out a loan for rental property, you get to use other people's money three ways at the same time, three different entities, you're using their money. Number one, it's for the bank's loan, like we discussed. Number two, you're using the government's money for generous tax incentives. I only touched on one of the tax incentives. And then, thirdly, you are using the tenants money to pay down your mortgage loan and pay all of your properties operating expenses, like maintenance repairs, insurance, property taxes and pay your property manager to make this all mostly passive for you. I don't manage any of my own properties. I think you already know that. And on top of that, hopefully you'll have a little residual income after expenses every month, your monthly profit of rent income minus expenses, that is called cash flow. And when I talk about doing this ethically, use an experienced property manager. Never get called a slumlord. Provide housing that's clean, safe, affordable and functional, okay, some really core, enduring, GRE mantras in there. But what if real estate goes down in value? It's not common, but I did have it happen to me around 2008 we won't even talk about what happens when stocks go down in value, but when real estate values went down in 2008 it just didn't matter that my rental property's values were temporarily suppressed because my rents were higher than my expenses, I was still making income each month off the property. That's a good way to own property, if you can. I'm not motivated to sell an asset. I mean, are you motivated to sell an asset that's paying you income every month during a time when it's capital value dip, so probably not. And by the way, there is nothing new or esoteric here. You just haven't had it explained to you in this way before. This 33k from stocks and mutual funds versus 95k from real estate you haven't seen that before. This is simply buying houses with plain vanilla 30 year fixed rate loans, and it's just simply long term buy and hold. This is not flipping, as I like to say. This is not day trading. This is decade trading, as you continue along in your real estate journey, keep stacking more properties, and it's gonna go faster than you think, because you've got this power of compound leverage, and your tenant also pays you income that you can use toward buying the next property, and then as a backup, you have that trapped equity that keeps accumulating in your property. And the reason this goes faster than you think is that you can also release that equity by removing it with a completely tax free event, a cash out refinance, all while you still hold onto the asset and you. Use the untrapped equity to put down payments on more property. Now, what if you think you don't have the money to start or get as big as you want, as fast as you want? Well, I've met a lot of people that when they understand this compound leverage concept, they withdraw their 401 K funds, pay a penalty and pay the taxes, and they put those funds toward real estate. I mean, you would owe taxes on it anyway. Now that part may or may not be ready for you, but you know, once I understood this, what I did is I stopped contributing to my 401K and I instead got into compound leverage. Yeah, this is how to make America rich again. Now, what if you think you don't have 100k to invest in property like we did in our example? Well, there are perfectly good $200,000 properties at GREmarketplace.com where you could make a $40,000 down payment. But you still might be thinking, I'll just say that the real estate market is just really competitive now, and that your small down payment maybe it can't compete with a deep pockets all cash offer, because all cash buyers can close really fast, but no your small down payment can still compete with all cash offers, because Some sellers don't want a quick sale for either tax reasons or myriad lifestyle reasons that they might have, I like to say that using debt is like using fire if it's misallocated, like with 23% credit card debt, that's what the average credit card interest rate is right now, 23% well that can burn down your financial house. But if you know how to use the debt in a controlled manner, like from income property that others paid down for you, oh, that fire is contained in a stove, and that fire or fireplace will heat your home. If I could start all over again with what I know now, it would be to embrace good debt, because tenants pay down this debt for me, so use it as leverage to build a real estate empire. Think of it this way, besides the employer match, every dollar that you lock inside a 401K is $1 that you cannot use to leverage other people's money. Back when I started investing, I should not have contributed to a conventional retirement plan beyond the employer match myself. So I used leverage to pull my boat up to the dock more than three times faster and escape the day job when I was still young enough to enjoy it. And once you know the difference, why would you want to do life any other way? You might have heard that real estate has made more people wealthy than any other investment today. You've learned how now, sometimes it is hard to stop and turn off a mindset if the same thing has been believed for a long time. I think we've all experienced that. If you believe something for a long time, well then it's hard to change your mind on that, and you might even fight and defend that core belief. That could be the case here with me, denigrating the wealth building capability of compound interest. And if you're still wrestling with that yourself, a great compliment where I discuss this more in depth and in a different way, can be found on an episode that I did earlier this year that is on GRE Podcast, episode 507 episode 507 is called compound interest is weak. I'm here to talk to you about things that are really gonna move the meter in your financial life, like what I've covered with you so far, and what I'm gonna help you learn next. You know, there's just some information out there, even real estate information, it's just not that useful. Say, for example, mortgage purchase applications were down from last week, but yet they were up month over month. Well, that might matter to certain sub industries, but it doesn't move the meter in your life with how you're going to actionably build wealth. Hey, before we move on, I want to give a major shout out to this show's long time, steady, capable sound engineer, Vedran. He just hit the 10 year mark of filling that important role for us here. Yet 10 years almost since the inception of this show. He's been with us since November of 2014 so since about episode five, and he's edited every single episode since then, and he recently told me that he looks forward to the next 10. Congratulations, Vedran. Also, thanks to you, the listener, the follower. Here, we held three GRE live virtual events this year, webinars. You. You are really taking action. Back in June, we broke a record with 307 registrants for that event. And then our latest event that was held about 10 days ago saw another record broken, 528 of you registering, and I say thanks, because you make me feel good. You're showing that I'm helping make a difference in your life. And now maybe you're thinking these events or this platform, it's getting too well known, and if you show up to a future event that you might not get to ask a question, no, that's not the case. Not everyone that registers shows up for the event live, and then you can ask a lot of your own questions with a personal free coaching call as well. I'll let you listen into a coaching call later on, today's show. In fact, now I've shared with you a few times before that changes to mortgage rates don't follow changes in the federal funds rate that Jerome Powell and the FOMC said. I've also told you that mortgage rates closely track long term bond yields, but let me tell you about what all that really means, and this is going to help you understand and perhaps even predict the future direction of mortgage rates. In fact, it's unusual. You know, the largest market in the world is not the real estate market, it's not the stock market, it's the bond market. And What's unusual is here we are on episode 526, and we've really never discussed the bond market. Well, you're probably aware that a month and a half ago, the Fed dropped interest rates by a half point. Their next decision is in just three days. Now I don't think they should drop rates again, though they could. That's because since the rate cut, GDP and job growth have been strong. That's why I don't think they should do it. I mean, rates usually get cut to help a wounded economy, so why lower them now? I mean, recessions usually see rate cuts. But here's what even fewer people understand when the Fed cut rates a month and a half ago by a half point, why have mortgage rates soared since then? They were about 6.1% and then the Fed made their cut, and mortgage rates recently spiked up to 6.9% well, many still feel that the long term trend for all types of interest rates is lower. But you know for one thing, rates are really hard to predict. The Fed only controls short term rates. Long term rates, like the 30 year and 15 year mortgage are tied most closely to the yield on the 10 year treasury note, and here after I'll just call that the 10 year All right, so what is this and what controls it? Well, don't let that name intimidate you. This is get rich education. So let's break down each word yield on the 10 year treasury note. Yield just means interest rate. 10 years is the period of time that this loan is made for the duration the US Treasury issues them so they receive the loan and a note is an IOU. It was also known as a bond. That is what's held by the person or the entity that loaned the money, the person that loaned this money to the Treasury. It could be you yourself, or it could be a foreign nation. So you hold on to this note because you made the loan to the Treasury. That's the breakdown of every word of the phrase the yield on the 10 year treasury note. Okay, so to say it a different way, if you hold a 10 year treasury note, that is basically your receipt, your proof that you made a 10 year long IOU to our federal government and it is going to pay you an interest rate known as a yield. All right, that is the simplest explanation I can give. Well, a month and a half ago when Jerome Powell cut short term rates, the 10 year was 3.7% at that time, and at the beginning of last week, it was up to 4.2% that's the highest since July. And again, 30 year mortgage rates most closely track the 10 year all right, as you and I sort of hold hands through this together next, let's ask what made them rise. And you know, some think this is harder to understand than trying to understand why YouTube viewers constantly fall for ludicrous housing price crash videos. Okay, but relax. This is easy. When the economy gets hot, all these things tend to rise in value, real estate, stocks and also productivity rises. Employment rises. Is an inflation that tends to rise as well. Because a 10 year investor needs a real return above the rate of inflation, this yield must rise as well. That's it. You got it. You got it. So therefore, when a rosy jobs report comes out, the 10 year tends to go up. When a strong retail sales report comes out, the 10 year yield tends to go up or a high flying CPI is released, the 10 year tends to go up. And therefore, because it rose in the past month, investors have expectations for a strong economy and more persistent inflation. So conversely, expect both the yield on the 10 year treasury note and the 30 year mortgage rate to fall when the economic outlook gets more dim. It's important to understand that, like a lot of things in the stock market, yields on the 10 year they tend to be more of a reflection of future economic expectations than the current economy. And this should be pretty easy for you to remember, because when you think about it, that makes sense. Since you've lent out your money to the federal government for 10 years. I mean, you're really interested in what that 10 year future is going to look like. So yes, though this is somewhat less exciting than watching a motorcycle jump over the Grand Canyon now that you listen closely for the last few minutes. Congratulations. Now you know that the 10 year can tell you both what investors expect to happen in the future, and can tell you the direction of 30 year mortgage rates. And, yeah, I mean, this is just more the type of material that I wish someone had explained to me sooner, in a way, just like that. And you know, are you interested in doing things that at the end, they make you say, You know what, I just got 1% better this week. I mean, think about the kind of person you'll be if you make yourself just 1% better each week. Now you better understand how leverage beats compound interest and what makes mortgage rates move. Go out and vote tomorrow as far as next, listen into one of our GRE investment coaching calls. I'm Keith Weinhold. You're listening to get rich education. Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridgelendinggroup.com that's Ridgelendinggroup.com. your bank is getting rich off of you. The national average bank account pays less than 1% on your savings. If your money isn't making 4% you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to an 8% return with compound interest, year in and year out. Instead of earning less than 1% sitting in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And I would know, because I'm an investor too, earn 8% hundreds of others are. Text FAMILY to 66866, learn more about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text Family to66866. Zack Lemaster 29:08 this is rent to retirement. Zach Lemaster, listen to get rich education with Keith Weinhold, and don't quit your Daydream. Keith Weinhold 29:22 Welcome. Back to get rich Education. I'm your host. Keith Weinhold, there will only ever be one GRE podcast episode five under 26 and you're listening to it. Let's let you listen into a coaching call between GRE investment coach Naresh and GRE follower, Brenda, and then I'll be back to wrap it up at the end. Naresh Vissa 29:41 hey, Brenda, good to Good to see you after emailing back and forth. Thanks for setting up this call. Brenda 29:47 Yeah, thanks, Naresh, thanks for setting up time to talk to me. Naresh Vissa 29:49 Yeah. Well, tell me what made you schedule this call, like, Why did you hit that button saying I want to talk to the real estate investment coach? Brenda 29:59 Yeah, well, I've seen some of the newsletters that come from GRE I'm familiar with some of the podcasts, but then I had gotten into the newsletters, and then I saw that there was an option for a free consultation to talk to you. And I thought, Well, I'm not sure what this really means, or what we talk about, or how you can help me, as far as, like, the vision, or how do I set my goals? Or what is it exactly that I would do with you with GRE, like, what kind of consultation Do you provide? Naresh Vissa 30:29 Yeah, well, so that's you came to the right place. So let me tell you a little bit about GRE, a little bit about me, who we are, how we operate. So get rich. Education is an education company. As you know, you listen to the podcast, you read the newsletter. It's free. The podcast is free. The newsletter is free. You can go to our website, read our blog, go through past podcasts. You can subscribe to our YouTube channel, subscribe to our social media, Tiktok, Instagram, Facebook, X, you name it. That's all free content available for you, and this service, the real estate investment coaching, is completely free of charge. I know that sounds kind of crazy, but you'll never pay as a dime. I'm here to help you throughout and along your real estate investment journey. Think of me as a super connector, someone who can introduce you to all the right people, whether it's specific markets you want to invest in. Providers. There, wholesalers, flippers, lenders, appraisers, although your lender will take care of the appraiser part, if you need a second lender, financing, CPAs, attorneys, anything at all, just come to me and I can introduce you to the right people, or at least point you in the right direction. I'll try my best to do it 100% of the time. I don't, or I should say, I don't, have answers 100% of the time, but I do have answers most of the time, and I can forward you and refer you, point you in the right direction. So think of me as a super connector. Think of me as your silent partner in deals, because I get any equity in the deals who you don't have to pay anything to think of me as an advisor, a consultant. Again, this is a completely free service. There's you're not going to get like, a bill in the mail saying, Hey, you talked to Naresh five times, so you owe us $1,000 for that. Now, there's none of that. So the most common question I get after telling people this or, like, well, then, I mean, you can't be doing this for free. Like, why are you doing great? Like, like, yeah, what's the catch here? And they also have, I mean, I'm sure you're wondering, how do you make money? Well, if you listen to the podcast, if you go to our website, you'll see advertisements, sponsorships. We are paid marketing fees, advertising fees from partners. So you listen to the podcast, I'm sure you hear many of those commercials. We make our money on the back end, so we can keep services like this and our newsletter and our podcast free on the front note, like I said, GRE is not is an education company. We are not a broker or a wholesaler or a flipper or a builder or an agency or a realtor service or any of that a brokerage, where we're not of that, we're purely education, education based through our educational content or free educational coaching, which I offer too. So that's what you are. Got it .we work with all those other companies. So we can refer you to all those other types of companies that can help you on your real estate investment journey. But we are not any of those. Now me, personally, I am an investor myself. I own eight properties in southeastern United States. I got started in 2017 I bought my first property in a single family home. That was rehab. Back then, rehabs are very hot. That was what you should get in, that what made sense to get into. And I scaled pretty quickly. I went from one to eight in a matter of it's been seven years since I bought that first property, but I actually went from one to eight in a matter of more, like two and a half years, I just kind of went so I bought, like I said, southeastern United States, bought my last property in 2020 I'm saving up for my next property because I personally now only, like new construction, I rehabs have their place, certainly For certain investors. And at the time, I got six rehabs, rehab properties from 2017 to 2019 so I personally, though, am now saving up because new construction is more expensive than than rehab. So I'm saving up for my next real estate property, which is most likely going to be a new construction. So that's a little bit about my investing background. I've been a real estate coach Since 2019 came in 2021 to GRE and have run the coaching side ever since. So that's a little bit about me on the real estate side, on the coaching side. Now, my background is not in real. Real Estate. I like, I said, I got in 2017 before that, and I still do work in tech. So I worked in tech from 2000 really, from 2005 and still do work in tech. So it was through my tech work that I got involved in real estate, because I would do back end tech work for real estate companies. And doing that work, I was like, Oh, I started learning about real estate, and then I said, huh, if this doesn't seem hard or difficult. And I also got an investment coach who helped me, like I said, with that competitor, they also had investment coaches or investment counselors. So I had a coach who helped me a little bit, but that's what the coaches are for there to help investors like me, especially newbie investors, or even veteran investors. They're there to help investors with the networking part, with the who are offering the best deals, special deals, special interest rates, who's honest, who's dishonest? That's what I'm here to do. So that's a little bit about GRE About me, about my background, how our coaching program works. So now, Brenda, it's all about you. I want to hear I'm sure you have tons of questions based on what I just said, but before you ask those questions, I'm just going to start out with, how much cash do you have ready to invest? Because really, I could be of most service if you're looking to invest, otherwise, I can't really be of much service. So how much cash do you have ready to go to invest? And then I'll answer, I'll say something about that, and then I'll let you ask whatever questions you want. Brenda 36:35 Sounds good. Just a cash ready for deployment is 100,000 but I'm assuming that doesn't all have to go to one property, right? Or depending on the property? Naresh Vissa 36:46 Yeah, so, so is that lick? So what I should have clarified my question as how much liquid cash do you have on not like a 401, K, or properties that you have to cash out refinance, or it's just if you today, if you were to take a property and and you had cash ready to do so be $100,000 Yeah, correct. Okay, so, so a few things that's very good, because with 100,000 that gives you optionality. You can either go for a rehab property, and we have rehab property right now. Our hottest provider is in Memphis, Tennessee, and you can get a rehab property. Worst case scenario, let's just say the property, the average property, is about $100,000 and so you just put down a 25% down payment. So let's just give or take, let's say $30,000 I tell our investors. I say, Look, if you want to buy your first property, or Yeah, your first rehab property, you need at least $50,000 cash, liquid in the bank, ready to go. That's just because you want that cushion. You don't want to put all your eggs in one basket. So I say, if you want a rehab property, you need 50,000 if you want a new construction, single family 100,000 because the new constructions are going to cost you at least $240,000 at least. So if you take 25% of that, plus closing costs and cushion and everything, just if you want to be a good investor, you have to be disciplined. And you have to be disciplined enough to be able to save the 50,000 or the $100,000 if you want to make it as a real estate investor. So 50,000 for a rehab property, 100,000 for a new construction. If you want a duplex, you need, I say, a new construction duplex, which is probably our hottest new construction asset class right now in Florida, 150,000 for a new construction. Down payment or not. Down Payment task, ready to go for a new construction duplex, because those are selling for about 490,000 give or pay. So it's 50,000 for rehab that you should have in the bank. 100,001 in the bank for a new construction, single family. 150,000 for a duplex. Anything beyond that, then we can talk. You know, later you wanted a squad or something else, but that's generally what I say. And I tell, I tell investors. I say, Look, if you only have $30,000 in the thing, let's connect after you get up, because I don't want you putting all that 30,000 into a rehabbed property, whereas, who knows, maybe the economy might go into a recession and it stays vacant for six months. I don't want you to have to go through that. So let's stick to those numbers. So you said you have 100,000 so you have options. You can you can get either a rehab property or you can get a new construction. So it's completely up to you. It's about your new construction. Single family, it's completely up to you. I personally, I, like I said, I started out with the rehabs, and then I've kind of graduated up to new construction. God, they the lowest risk you can take with 100,000 is by starting with a. Be just a low price rehab where you put in $30,000 and full, you know, down payment burden, costs, everything else you put that, you know, 30 grand, if it first property, you put that 25 to 30 grand in, and you treat that as a learning experience. And you go through the experience, and if everything goes smoothly, then you can buy the second property, and you can decide whether, hey, do I want to continue with this rehab, or I'd still have enough capital for the new construction single payer. But I would start small. If you're new, if you're an advanced veteran investor who has six figure, well into the six figures in the bank, ready to go. I tell those people. I say, hey, let's just go for new construction. Let's go for the new construction. Single family. Let's go for the duplexes. Some of them have 700 $800,000 in some cases, a million dollars plus. I say, hey, let's let's just go for the quad to the construction four Plex. The incentives are great, etc, etc. So in your case, 100,000 you certainly have choices. And what I'll do after this call is, well, first I want to hear, based on what I said, What are your thoughts on anything, whether it's renew, construction versus rehab, and then what I brought up earlier about coaching? Brenda 41:12 Yeah, I actually thank you, Naresh, I really like what you said about starting small. I have purchased two single family homes in the past, their rentals, but I never went through a coach. I just kind of did it on my own, and luckily, things worked out. But certainly having a coach and starting out small, just to kind of go through the process, it's really helpful. Here's the situation that I think is just a little bit different, and I know that this would probably be something that I talked to like a lender about. But in your experience, I actually just came from an 18 year career. Actually, I was in tech myself, but I'm now transitioned from a corporate w2 into more, but 1099, what's classified as like a independent company, you know, type of income, what has been your experience with other clients that transitioned from that type? Is it easier? Is it harder to obtain loans? Is there going to be different requirements? 25% does that still stand? Naresh Vissa 42:13 Yeah. So I could give you a full, you know, lecture on this, or something called the housing expense ratio and something called the total obligation ratio. I'm not going to get into those details, because the lenders, I can refer you to lenders, and they can explain all that, and those ratios mean a lot to getting you pre qualified. But what I will say is, unfortunately, if you are 1099, you are at a disadvantage, because it's not steady, consistent income, unless you can show two years of steady, consistent income. I mean, really is the last for your last two years of tax return. So if it's a new 1099, gig, yep, you're gonna have to wait until you have two years of consistent high income. If you've been doing it for a while, then send your last two years. And if it's, you know, if it's looking good, then, then you'll get approved. The other option, and this is, this is not a personal question or anything, but it married couples can go together on one loan. So if this actually helped me out a lot, because my wife is a high income earner, and I have my own business, and my business does pretty well, but if you're 1099 as as you know, there are all sorts of things you can do with your tax return that are completely legal and to where you pay yourself as little as possible, so that you can cut your income tax. So in any case, that's like 1099 workers are a disadvantage for mortgage because all they care about is your pay stub, your you know, how much income did you have? So there were times when I put my wife on the mortgage and she's got a high income, and so you can put a spouse on there, and you can both do it together. Now you're allowed 10 loans per person, so if you want a spouse go on a mortgage that counts, even if it's for one mortgage, one property, that counts as one for each of you. So for two working husband and wife. For a couple where both spouses are working with good income, I say look, you'll want one spouse to do 10 properties and another spouse to do a completely different 10 mortgages. That way you can do 20 combined. Now, if you do it together, then you'll only be able to buy 10 combined because you're older than so 1099, workers. We get that question a lot, and it actually it is a problem, because the standards changed after 2008 so either wait the two years and have your consistent records to show high income, or if you already have it right now, then you can get approved. Brenda 44:54 Got it. Got it. This would be for just conventional loans. What about other loan products? Like, I think I've heard of the DSCR loan where maybe just the rental property would cover, you know, part of the I'm not sure, like, I guess you're guaranteeing that the property will make enough money to cover the payment of the loan. Naresh Vissa 45:12 Yeah, DSCR and loans are hard to get approved. Really, what I should do is introduce you to some of our lending partners. If you're interested. DSCR is meant more so for people who have utilized you want to use those 10 loans first, so because if you go you're going to have a higher interest rate if you go with the deal. So those DSCR loans, or Portfolio loans, are meant for people who have used their 10. Their spouse has used their 10. They've got capital low rolling in their ultra high net worth. So they're fine, okay, just get me another loan. I need the tax benefit. I need the tax break. I'm fine paying a 10% interest. So they'll go for a portfolio loan or a vsdr loan. In your case, first property, your first investment property, first turnkey we want to go for a loan. Brenda 45:58 Got it makes sense. And then another question, so this was about the financing. But another question that I meant to ask earlier is, I know you mentioned, like, you know, I am not like a realtor or anything like that, but how does it work? Like, I'm think about when I'm purchasing a home, personally, I kind of say, hey, I want to three bedrooms, four bedrooms, this many baths. Like, how does that work with you? Like, do I give you criteria of what I'm looking for, or, you know, based on my goals? Do you kind of craft a plan? How does that work? Naresh Vissa 46:29 Yeah, so I actually sent you an email just right before this call it. I think you got the email, and it includes a link to about 20% of our inventory. It's not all of our inventory. That inventory is just there. To get you started to see the types of properties that we have available. We have some constructions and the markets that we cover, again, it's only about 20% of the inventory. If you go to our GRE marketplace, you can see all of the markets that we cover. Your biggest source will be, I send out emails. So your biggest source will be, if I email you, I'll email you like a property. It'll be, Hey, I just came across this deal. It's like, it's my VIP email list. So you'll get my, you know, VIP emails, and that's going to be your, your best source. You also get Keith white holds newsletter, which promotes properties from time to time and and we only promote the best. We there are hundreds of properties we can promote. We only distill it down to the best of the best. So don't think, oh, like, there might be another property that narration knows about. Now we promote through our social media, through my email list, through Keith's newsletter, through the podcast, through the webinars, the best of the best. So that's the best way to to find out, Brenda 47:49 got it your inventory or what you currently right, Naresh Vissa 47:52 and with your permission, I can add you to my VIP email list. If it's okay, yeah, that would be cool. I'll go ahead and add you, and you'll start getting those emails in real time. I only send out an email maybe once every three weeks, so I really only want to send the best of the best. I want to waste people's time. Brenda 48:07 Great. So what if you do send me an email and I'm like, Yeah, I love it. I think this is fits exactly what I'm looking for. Do I email you back? Do I contact you? Like, how do we stay in contact? Naresh Vissa 48:18 So email is the best form of communication, because in real estate and business in general, we want documentation of everything. We don't want any miscommunications. So if you see something you like, email me. I'm available. You have my phone number. You can text me, you can call me, you can email me. I'm very accessible, but email is preferred, because that way it's in writing, and I'll know exactly what you want, the address, everything. So let's say you see a property that you like from an email that you get from Keith or from me, and you email me to say, hey, I'm interested. What are next steps? I will get you in touch with the actual like I said, we're just an education company. I'll get you in touch with the actual builder or the broker or the agent on the property, and they'll be able to answer way more questions than I can answer way more and that that's for anything. If your question is about financing, I can get you in touch with several good, low rate lenders, and they can answer all your questions about financing. Your question is CPA Tax stuff. I can get we have, uh, several good contacts who can help you out there as well. Brenda 49:20 Got it, got it. So then what, what does our communication look like from there? Like, do if I say yes, I want it, then you get me in contact with them, and then I kind of work with whoever it is that has this property. And then hopefully we just close on the property. And that's it, right? Am I understanding that correctly? Naresh Vissa 49:40 Sure? So, so all correctly? Yeah, I'll refer you over to them, and they will, they will take care of you. Should copy me on all emails that way. Okay, what's going on? Copy, you remember, I'm your coach. I'm here to help you, like it's free, so copy to an email so I know what's going on. If there's a problem, I can jump in. In many cases, I hold a leverage over a lot of these. People, if a problem happens, I can step in and say, Hey, treat her better. Or, you know, you should waive this cost, or whatnot. So copy, because the people who get into trouble are the people who didn't copy me on the emails. And many, many time, time just goes by, and then they come with their problem as they Hey, if you came to me a year ago, I could have actually helped you with this. Now, the statutes expired, and it's, it's a complete mess. So always, even after you're done posing on the property and you have a tenant in there and just copy me on me. Brenda 50:30 Got it. Okay, So kind of bring you along the journey. Okay, so let's say I'm at the end, like, do these providers help me? I'm assuming in some of these cases, you've mentioned places that are far from where I live. So do they help provide additional resources, like, who's going to manage my property, or who's going to find me a tenant? Like, could they help me with that? Naresh Vissa 50:51 Absolutely. So the entire point of GRE of this investment coaching program, the entire point is so that you can become what's called a laptop landlord. You can literally live free and have just take a step back and have your properties run on their own. So the idea is not for you to invest down the street and become a property manager and a landlord down the street. It's you can be anywhere in the world. Buy properties anywhere. Like I said, I live in Florida, but by Prop, I've never visited any of my properties. I've never met a tenant. So that's what you want to do, and that's what we help people do. If you want to buy a property across the street and become you can do that yourself. Go through all the loops yourself. We are here to help you invest in Ohio, in Tennessee, in Florida and Texas and all these places that you may not have even visited every other life, but you can still have a very fruitful investment journey. So we set all that up for you, the property management, every all that it's going to be taken care of, so that your hands off. That's why it's called turnkey real estateReal real estate investing. Brenda 51:56 Got it. Okay, sounds good. And typically, how long does this process take? I mean, I'm sure it's different for everybody, but what can I expect, like from beginning, from when I talk to you, to when hopefully I have a property that I'm signing off on? Naresh Vissa 52:12 In some cases, it's literally taken two days. In other cases, it's taken there's not even an answer, because people did end up buying Okay, yeah, so, so, yeah, in in the case of, like, our Memphis burr properties, which are rehab properties in Memphis, I recommend that you watch our burr webinar. I can send that to you after this call, if you'd like. But I had people who watched the webinar talk to me. I introduced them that same day to the provider in Memphis. They talk to their provider in Memphis, and then the next day, they pick the property, and the day after that, they sign a contract. Oh, okay, so it's all about the investor. If you're a serious investor, it can be very quick, like me, I was very serious. That's why I scaled. I bought eight and two and a half years, eight properties in two and a half years. Other people, if you want to take your time, it could, you could literally take your time and never buy any and a lot of people are doing that, because in 2019 they said, Oh, you know what, I'm gonna wait. There's gonna be a crash and this and that. And so they waited, they waited, and prices skyrocketed, and now they said, You know what, I'm I'm priced out of the market, so I'm just not gonna invest in real estate anymore. Brenda 53:16 Yeah, it's that analysis paralysis. I've experienced that. Yeah, yeah, got it. Okay, cool. Naresh Vissa 53:23 All right. So any other questions? Brenda 53:25 No, this is really helpful. It's kind of good to know, like, kind of where you step in and kind of where you hand off, and again, the timeline is different for everybody, but it's kind of good to know that I could literally be standing here two days later and have a property if I want. So good. Naresh Vissa 53:42 Yeah. So as we end this call, next step, so I told you about new construction versus rehab. Are you? Are you interested in both, or leaning towards one or the other? Right now? Just Brenda 53:54 probably the rehabs, because I think, like what you said, I like the idea of the E step into like, let me see how this process goes first before kind of committing a bigger chunk of capital to something larger. Yeah, I agree. Naresh Vissa 54:06 Okay, so here's what I'm going to do as next steps. I'm going to send you a link to the webinar we did for our hottest rehab asset class right now, hottest rehab provider out of Memphis. It's the Memphis Burkey webinar. I went ahead and just emailed that to you. So watch that webinar. It will answer like every question imaginable regarding the provider, how they do their process, the properties, everything. So watch that webinar and then shoot me an email after you're done with the webinar on what you're thinking just you can watch webinar today and you want to shoot me an email right after, just let me know what you're thinking, and we can go from there. I think that's would be the next step. Just watch that webinar, and then we'll, we'll reconnect. Brenda 54:54 Sounds good? Okay, I like that. Naresh Vissa 54:57 Okay, very good. Well, I sent that link to you, and. And that's about it. If you have no more questions like I said, you can add my phone number to your phone book and feel free to reach out whatever you want. Brenda 55:07 will do. Thank you so much. Naresh Vissa 55:09 All right, thank you. It was great. Keith Weinhold 55:11 Yeah, I hope that you found that helpful in making America rich again. Namely, you. Of course, no two coaching calls are the same. Some GRE followers will perhaps have more questions than Brenda did. There. We are here to learn your situation. We know the mistakes you've got to avoid, and we can connect you with the best income property for you across the nation. We really filter it down to the best of the best, and besides being a truly free coaching call, we don't try to upsell you to a paid course or anything like that, because we don't even have any product to sell really. So even if you wanted to buy something from GRE, I don't know if you could, maybe unless you buy a GRE logo t shirt from our website or something like that. So keep all of your funds for the property down payment. As far as now, you can book a coaching call at GREmarketplace.com and select the free investment coaching area. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream. Speaker 3 56:21 Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively, Keith Weinhold 56:41 The preceding program was brought to you by your home for wealth, building, get rich, education.com

10/24 Hour 2 - Year Three Keegan Murray

D-Lo & KC

Play Episode Listen Later Oct 25, 2024 49:24

D-Lo & KC talk about Keegan Murray, try to settle something in the Chatty House and more.

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Navigating Year Three of Maryland's Education Plan

Conduit Street Podcast

Play Episode Listen Later Sep 20, 2024 57:45

This week on the Conduit Street podcast, MACo's policy team discusses the implementation of the Blueprint for Maryland's Future. Now, in year three of the rollout, stakeholders are assessing where the visionary education plan stands along with what appetite exists amongst Annapolis lawmakers to address both fiscal and operational challenges during the next legislative session. Be sure to check out the companion article to this Blueprint podcast on the Conduit Street blog. Look out for this conversation to continue at the upcoming 2024 MACo Winter Conference held December 11-13 at the Hyatt Regency Chesapeake Bay Hotel in Cambridge, MD.

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Year Three Highlights

Introducing Me

Play Episode Listen Later Sep 10, 2024 41:55

In this episode, I've included highlights from four episodes from the third year of Introducing Me. These episodes were recorded between October 2022 and March 2023 and thoughts or opinions may have changed since the time of recording. Check out their entire episodes in the archives. Markus: Raising a Gender Neutral Child in a Three Parent Family; https://www.mharwoodjones.com Melanie: Former Disney Stepsister; https://www.tiktok.com/@magicalgirlmelanie Emma: IVF Treatment Abroad; https://www.instagram.com/YourIVFabroad/ Arcadia: Miss Boston Earning a PhD in Psychology; https://www.instagram.com/arcadiaewell/ Donate to the podcast: https://ko-fi.com/introducingmepodcast Want to share your story and be a guest? Email: introducingmepodcast@gmail.com Find all the podcast social media and more on the website: https://www.introducingmepodcast.com Artwork: instagram.com/vashaundesigns Music/Editing: youtube.com/colemanrowlett

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LSU Football: It's NOW OR NEVER For Brian Kelly In Year Three

The Good Life EDU Podcast

Play Episode Listen Later Aug 30, 2024 40:14

Marc Kulkin of "Locked On USC" joins Lucas Hill to talk Sunday night's showdown between LSU and USC including pressures on both Brian Kelly and Lincoln Riley, keys to victory, long term implications of the season opener in Vegas and much more. ⬇️ Support SECU ⬇️ PRIZE PICKS Use code "SECU" at signup and get $50 instantly when you play your first $5+ lineup. https://app.prizepicks.com/sign-up?invite_code=SECU&af_xp=social&source_caller=ui&pid=SECU&utm_content=SECU&utm_source=partner&shortlink=SECU&utm_medium=influencer&utm_campaign=100depositmatch&utm_term=SECU&c=SECU MYBOOKIE Use code "SECU" at signup to receive a special Welcome Offer from MyBookie. https://www.mybookie.ag/ RHOBACK Use code "SECU" for 20% off your first purchase at https://rhoback.com/. GAMETIME Use code "SECU" for $20 off your first purchase at https://gametime.co/. Subscribe to SEC Unfiltered, the best SEC podcast on the internet: https://podcasts.apple.com/us/podcast/sec-unfiltered/id1441899352 Website: https://www.secunfiltered.com/ X: https://twitter.com/SECUnfiltered Instagram: https://www.instagram.com/secunfiitered/ Facebook: https://www.facebook.com/SECUnfiItered Podcast: https://podcasts.apple.com/pl/podcast/sec-unfiltered/id1441899352 Let's get it! Learn more about your ad choices. Visit podcastchoices.com/adchoices

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Teaching Students to Think Like Historians: Year Three of the Statewide Social Studies Inquiry Project

Play Episode Listen Later Aug 30, 2024 37:49

In this episode of The Good Life EDU Podcast, we dive into the ESUCC's statewide Social Studies Inquiry Project with Mark Brady of ESU 7 and three incredible teachers from this summer's iteration of the project (Cassie Kenedy of Omaha Public Schools, Jeff Maddox of Creek Valley Public Schools, and Sydney Daly of Millard Public Schools). Together, we highlight the three-year journey of developing nearly 90 inquiry-based social studies units for grades 4-8, created by Nebraska teachers for Nebraska classrooms. Cassie, Jeff, and Sydney detail the challenges, successes, and insights gained from this unique professional learning experience and share how these innovative resources are elevating social studies education across the state. Join us to hear firsthand stories of statewide collaboration, creativity, and commitment to engaging students in deeper learning. Access all resources related to the Social Studies Inquiry Project at https://www.esucc.org/instructional-materials/social-studies/ Access the Nebraska OER Hub at https://oercommons.org/groups/nebraska-social-studies-inquiry-project/11856/?&__hub_id=55 The Nebraska Page of the C3 Teachers site https://c3teachers.org/nebraska-c3-hub/ IN CASE YOU MISSED IT, listen to this earlier episode where we connect the SSIP to the C3 Framework and the national effort to transform instructional practices in social studies: https://podcasts.apple.com/us/podcast/how-c3-teachers-and-nebraska-esus-are-transforming/id1512974122?i=1000641983055

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Year Three of the Invited Back Journey Has Begun

Invited Back with Sabeth Kapahu

Play Episode Listen Later Aug 29, 2024 8:45

Back for year three of the Invited Back podcast and business! Here's to the journey and having the courage to reimagine, reinvent and reinvite. It's time!Connect with me @sabethkapahu or @invitedback wherever you spend time on socials. Reach out if I can serve you. For more on WiLD Leaders click here: https://www.wildleaders.org/For more on Women's Assembly click here: https://events.echelonfront.com/product/assembly-002/For videos from my trip to Palau click here:https://www.youtube.com/playlist?list=PLfcZHGLNLnefNqT40qrrsErPxvofMglBr__________________Sabeth Kapahu is an entrepreneur with a passion for encouraging people. She is a versatile coach, fluid social media strategist, and community initiative developer. She is a wife, mom of four, and friend to many.Invited Back LLC is designed to inspire and empower leaders to achieve their goals through coaching, social media strategy, and community connection. Let's reimagine, reinvent, and re invite others into your passionate purpose together.https://reimaginereinvite.com/

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The ROF: Full Texas P4 Preview

The Republic of Football

Play Episode Listen Later Jul 29, 2024 55:17

Host Ishmael Johnson, senior writer Mike Craven and writer Carter Yates do a deep dive on all P4 Texas teams. (2:00 – 9:40) What would be the reason Texas doesn't make the CFP? (9:40 – 17:30) What is success in Mike Elko's first season at Texas A&M? (17:30 – 25:45) Does Texas Tech compete for a Big 12 title in Year Three under Joey McGuire? (25:45 – 32:45) Is TCU a Big 12 contender and, if not, is Sonny Dykes on the hot seat? (32:45 – 40:15) Why or why not is Dave Aranda calling defensive plays enough for Baylor to have a winning season? (40:15 – 45:55) What do you need to see from Houston to convince you they can turn a corner in 2025? (45:55 – END) Is SMU's roster good enough to punch into ACC's upper third in Year One? Learn more about your ad choices. Visit megaphone.fm/adchoices

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Episode 692: Russia in Year Three of the War, with Dr. Dmitry Gorenburg

Midrats

Play Episode Listen Later Jul 15, 2024 58:02

In a news cycle dominated by the attempted assassination of former President Trump, give yourself a break with an update on the Russian military in year three of the Russo-Ukrainian War, with regular Midrats guest Dr. Dmitry Gorenburg.Dmitry Gorenburg is Senior Research Scientist in the Strategy, Policy, Plans, and Programs division of CNA, where he has worked since 2000. Dr. Gorenburg is an associate at the Harvard University Davis Center for Russian and Eurasian Studies and previously served as Executive Director of the American Association of the Advancement of Slavic Studies (AAASS). His research interests include security issues in the former Soviet Union, Russian military reform, Russian foreign policy, and ethnic politics and identity. Dr. Gorenburg is author of Nationalism for the Masses: Minority Ethnic Mobilization in the Russian Federation (Cambridge University Press, 2003), and has been published in journals such as World Politics and Post-Soviet Affairs. He currently serves as editor of Problems of Post-Communism and was also editor of Russian Politics and Law from 2009 to 2016. Dr. Gorenburg received a B.A. in international relations from Princeton University and a Ph.D. in political science from Harvard University.

Next Week, Next Month, Next Year, Three Years From Now - Restaurant Marketing Secrets - Episode 665

ABR - Restaurant Marketing Secrets

Play Episode Listen Later Jul 15, 2024 5:01

What's your vision and do your daily activities reflect that? --- Are you in need of some help driving sales? If so, check out on of my 3 companies, we specialize in helping restaurants grow their revenue and profit through restaurant marketing that works. Visit www.restaurantmarketingthatworks.com

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The Myopia Podcast Year Three

The Myopia Podcast

Play Episode Listen Later Jul 13, 2024 14:57

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Double Coverage: Trading Hurt, Superflex Rookie Drafts and Listener Questions (Ep. 165)

FantasyPros Dynasty Football Podcast

Play Episode Listen Later Jul 10, 2024 72:57 Transcription Available

Join Ryan Wormeli and Pat Fitzmaurice as they tackle YOUR questions LIVE on Discord every Tuesday evening at 5 PM ET at fantasypros.com/chat. This week, Ryan Wormeli is filling in for Bogs. Whats the best advice for taking over an orphan in a deep dynasty league? Big differences bertween 10 and 12 team leagues? Choosing between Coleman, Pearsall, and Benson in a rookie draft, the best time to trade away Aaron Rodgers, Baker Mayfield's SuperFlex value, and more on the latest Double Coverage Intro - 0:00:00 Trading Jalen Hurts - 0:01:38 Trading Michael Penix for TJ Hockenson? - 0:06:43 Taking On An Orphan In 16 Team Dynasty - 0:11:40 When Does Age Come Into Play? - 0:14:40 SuperFlex Rookie Draft Strategy, Win Now Team - 0:17:01 Do We Trust Dallas Goedert? - 0:22:10 ETN, Goedert, Mid 2nd for Rachaad White and Kincaid? - 0:24:10 Baker Mayfield SuperFlex Dynasty Value - 0:28:15 Differences Between 10 and 12 Team SuperFlex Leagues - 0:31:15 12 Team Rookie Draft: McCarthy or Odunze? - 0:35:15 Ranking Carr, Darnold, AOC, Minshew, Brissette and Howell - 0:40:35 Having Too Much Value At One Position (RB) - 0:44:35 Buying Tight Ends in Year Three - 0:46:30 10 Man SuperFlex TE Premium Strategy - 0:49:22 SuperFlex Auction Advice - 0:53:25 Gibbs vs Achane - 0:57:33 Trading Aaron Rodgers and Daniel Jones in SuperFlex - 0:59:55 Starting With a Young Roster - 1:03:06 Chase and Watson for Puka and Wilson? - 1:06:05 Mapping Out 1.01, 1.03, 1.07 in Half-PPR SuperFlex - 1:06:35 Coleman, Pearsall, or Benson? - 1:08:32 Outro - 1:11:43 Helpful Links: Reality Sports Online - By now, most of you have probably heard of Reality Sports Online, the powerful Fantasy Sports platform where Owners get to build and manage their Fantasy team like an NFL General Manager. But, the question is, have you tried it? It's time to go see what all the buzz in the dynasty community is about. If you like what you see, use the promo code "FANTASYPROS" to receive a 10% discount on your team or league today! Fantasy Just Got Real at RealitySportsOnline.comJoin Us On Discord! - This show was taken from our weekly dynasty Discord chat with Pat Fitzmaurice and Scott Bogman each Tuesday evening at 5 PM ET on fantasypros.com/chat. Join the fun, get your questions answered, and BE ON THE SHOW! FantasyPros Championship at FFPC – We've partnered with FFPC to bring you the FantasyPros Championship, a $350 entry season-long fantasy football contest offering $1M to the 1st place winner! Drafts are open today, sign up at fantasypros.com/ffpc and use promo code FANTASYPROS for $25 off of your entry. Mock Draft Simulator - FantasyPros has the largest database of expert dynasty rankings for both startups and rookie drafts. Complete fast and FREE dynasty rookie mock drafts using our Mock Draft Simulator at fantasypros.com/simulator. Leave a Review – If you enjoy our show and find our insight to be valuable, we'd love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let's make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support. BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcasts. See omnystudio.com/listener for privacy information.See omnystudio.com/listener for privacy information.

Can LSU Football Run The Table In 2024? | What Is Success For Brian Kelly In Year Three? | What Does Harold Perkins Going To Media Day Mean For LSU's Defense?

The Jordy Culotta Show

Play Episode Listen Later Jul 9, 2024 78:35

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Rashid Shaheed AND Chris Olave could each take a leap in year three

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Play Episode Listen Later Jul 9, 2024 36:25

Mike and Charlie shared their breakout candidates for the Saints in the 2024-25 season, highlighting Chris Olave, Rashid Shaheed, and Willie Gay. Koki Riley, an LSU baseball and football reporter for The Times-Picayune, joined Mike and Charlie. Riley previewed the 2024 MLB Draft. He talked about Jared Jones and Griffin Herring. Riley also shared his thoughts on LSU football's recruiting and LSU baseball's transfer portal additions. Mike and Charlie praised LSU baseball's foundation for 2025.

Evan Neal, Cor'Dale Flott, and Wan'Dale Robinson enter critical year three for New York Giants

One Giant Podcast

Play Episode Listen Later Jun 25, 2024 29:25

The guys look at the 2022 draft class, and how the 11 player core needs to yield key contributors moving forward. The Dave Gettleman era was by enlarge a bust, leaving the Giants and Joe Schoen to not only make up for bbad drafts of recent. years, but also construct a young buildable core. HEAR THE PODCAST: https://podcasts.apple.com/us/podcast/one-giant-podcast/id1481967999 FOLLOW THE SHOW: https://twitter.com/oneGIANTpodcast https://twitter.com/AdamArmbrecht https://twitter.com/amack214 READ ON SUBSTACK: https://substack.com/profile/19781728-adam-c-armbrecht?r=brzog&s=r&utm_campaign=profile&utm_medium=web --- Send in a voice message: https://podcasters.spotify.com/pod/show/onegiantpodcast/message

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Can Chris Olave hit his stride in year three like other elite WRs?

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Play Episode Listen Later Jun 10, 2024 18:12

Brian Baldinger, an Audacy NFL Insider, joined Mike and Charlie. Baldinger evaluated Saints OT Taliese Fuaga and discussed his switch to the left side of the offensive line. Baldinger shared his thoughts on Taysom Hill, Chris Olave, and Bryan Bresee. He projected the strength of the 2024 NFC North. Baldinger also reviewed Atlanta's first-round selection of QB Michael Penix Jr. and the Eagles' collapse at the end of the 2023 season.

Year Three Expectations For Notre Dame and Marcus Freeman

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Play Episode Listen Later Jun 5, 2024 62:33

IB kicked off its 2024 Notre Dame Season Preview series today, so what better place to start than to discuss Marcus Freeman and year three. Bryan breaks down why year three matters, and not just because of what past Notre Dame coaches have done. He also discusses what expectations should be for the Irish, including a record and postseason standard that must be met. Shop for Irish Breakdown gear at our online store: https://ibstore.irishbreakdown.com/ Join the Irish Breakdown premium message board: https://boards.irishbreakdown.com Stay locked into Irish Breakdown for all the latest news and analysis about Notre Dame: https://www.irishbreakdown.com Subscribe to the Irish Breakdown podcast on iTunes: https://podcasts.apple.com/us/podcast/irish-breakdown/id1485286986 Like and follow Irish Breakdown on Facebook: https://www.facebook.com/groups/irishbreakdown Sign up for the FREE Irish Breakdown daily newsletter: https://www.subscribepage.com/irish-breakdown-newsletter Learn more about your ad choices. Visit podcastchoices.com/adchoices

Marcus Freeman Prepares For Year Three At Notre Dame

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Play Episode Listen Later Jun 3, 2024 31:48

Irish Breakdown discusses how Notre Dame head coach Marcus Freeman is preparing for his third season at Notre Dame, from visiting several NFL teams to spending 36 hours on an aircraft carrier. Shop for Irish Breakdown gear at our online store: https://ibstore.irishbreakdown.com/ Join the Irish Breakdown premium message board: https://boards.irishbreakdown.com Stay locked into Irish Breakdown for all the latest news and analysis about Notre Dame: https://www.irishbreakdown.com Subscribe to the Irish Breakdown podcast on iTunes: https://podcasts.apple.com/us/podcast/irish-breakdown/id1485286986 Like and follow Irish Breakdown on Facebook: https://www.facebook.com/groups/irishbreakdown Sign up for the FREE Irish Breakdown daily newsletter: https://www.subscribepage.com/irish-breakdown-newsletter Learn more about your ad choices. Visit podcastchoices.com/adchoices

PREVIEW: #FED: Conversation with colleague Elizabeth Peek re how many cuts in the Fed rate before end of year? Three promised. None so far. What about the Election? Much more later tonight.

The John Batchelor Show

Play Episode Listen Later May 28, 2024 2:34

PREVIEW: #FED: Conversation with colleague Elizabeth Peek re how many cuts in the Fed rate before end of year? Three promised. None so far. What about the Election? Much more later tonight. Federal Reserve Board 1927

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Wednesday 5/22 Hour 3 - Keegan Murray In Year Three

D-Lo & KC

Play Episode Listen Later May 23, 2024 47:52

D-Lo & KC spend hour three talking about the Kings and Keegan Murray.

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1940 - DC Versus Marvel

Comic Geek Speak Podcast - The Best Comic Book Podcast

Play Episode Listen Later May 13, 2024 120:17

Superboy vs Spider-Man! Elektra vs Catwoman! Lobo vs Wolverine! Storm vs Wonder Woman! Batman vs Captain America! Who is stronger? Who is smarter? Who is cooler? It's 1996 and the showdown of the century as the Geeks and special guest Mike Atchison revisit the battle that destroyed two universes in DC Versus Marvel! We also revisit other DC/Marvel crossovers, talk comics retailing, continue CGS History Trivia with Year Three and more! (2:00:17)

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You shouldn't compare year three Steven Kwan to Kenny Lofton, but what if we did?

Cleveland Baseball Talk Podcast

Play Episode Listen Later May 2, 2024 28:29

Paul Hoynes and Joe Noga do the unthinkable, putting Steven Kwan up against the best leadoff hitter in franchise history. If you or someone you know has a gambling problem, crisis counseling and referral services can be accessed by calling 1-800-GAMBLER (1-800-426-2537) (IL/IN/LA/MI/NJ/PA/TN/WV/WY), 1-800-NEXT STEP (AZ), 1-800-522-4700 (CO/KS/NH), 888-789-7777/visit http://ccpg.org (CT), 1-800-BETS OFF (IA), 877-8-HOPENY/text HOPENY (467369) (NY), visit OPGR.org (OR), or 1-888-532-3500 (VA). 21+ (18+ NH/WY). Physically present in AZ/CO/CT/IL/IN/IA/KS/LA(select parishes)/MI/NH/NJ/ NY/OR/PA/TN/VA/WV/WY only. $200 in Free bets: New customers only. Min. $5 deposit. Min $5 bet. $200 issued as eight (8) $25 free bets. Bet must win. Ends 11/20/23 @ 11:59pm ET. Stepped Up SGP: 1 Token issued per eligible game. Opt in req. Min $1 bet. Max bet limits apply. Min. 3-leg. Each leg min. -300 odds, total bet +100 odds or longer. 10+ leg req. for 100% boost. Ends 1/8/23 @ 8pm ET. See eligibility & terms at sportsbook.draftkings.com/footballterms. Learn more about your ad choices. Visit megaphone.fm/adchoices

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BONUS: Year Three Mailbag!

The Black Casebook

Play Episode Listen Later Apr 11, 2024 115:11

As of today, Year Two of The Black Casebook is officially in the books. Thank you to everybody for your support and your questions! I hope you enjoy this long, occasionally coherent victory lap of a Q&A, and I hope you're as excited as I am for what the next year has in store for the show. ⁠We have a Patreon⁠⁠⁠! You can find The Black Casebook on Twitter ⁠⁠⁠@blackcasebook⁠⁠⁠ and Instagram ⁠⁠⁠@blackcasebookpod⁠⁠⁠, and you can write in to ⁠⁠⁠blackcasebookpod@gmail.com⁠⁠⁠ to share any Bat-thoughts you have. ⁠⁠⁠Music by Black Plastique⁠⁠⁠.

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154. Year Three: A Feminist Tale of Non-Monogamy, Jealousy, and Pleasure

Modern Anarchy

Play Episode Listen Later Apr 10, 2024 65:58

On today's episode, we are celebrating the three year anniversary of the podcast with the annual reflection episode. If you enjoyed today's podcast, then please subscribe, leave a review, or share this podcast with a friend! To learn more, head over to the website ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.modernanarchypodcast.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ And if you want to connect deeper with the Modern Anarchy Family, then join the movement by becoming a part of the conscious objectors ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Your support is what powers this work and the larger societal change we are creating! Let's continue to challenge our assumptions and grow together. Join the community here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/user?u=54121384⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Transcript : ⁠⁠https://www.modernanarchypodcast.com/post/relationship-anarchist-renya-neonorton⁠⁠ Intro and Outro Song: Wild Wild Woman by Your Smith Modern Anarchy Community: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ : ⁠⁠⁠⁠⁠⁠⁠www.modernanarchypodcast.com⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ : ⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/modernanarchypodcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠ : ⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/user?u=54121384⁠ Resources to Learn More: Somatics with Elmo Painter Episode: https://www.modernanarchypodcast.com/podcast/episode/2647cd81/124-play-as-rebellion-eco-sexuality-kink-healing-and-somatic-connection-with-elmo-painter-edington Raquel Savage Episode : https://www.modernanarchypodcast.com/podcast/episode/3cf1f83d/115-are-therapists-causing-harm-when-it-comes-to-sexuality-with-raquel-savage Relationship Anarchy with Tuck Malloy : https://www.modernanarchypodcast.com/podcast/episode/3ce615e1/137-whats-your-frame-for-relationship-anarchy-with-tuck-malloy Sex, Explained: Episode 1 Sexual Fantasies: https://www.imdb.com/title/tt11535966/ Sex, Explained: Episode 2 Attraction : https://www.imdb.com/title/tt11535972/?ref_=ttep_ep2

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KHALIL SHAKIR: BILLS WR JOINS IST IN-STUDIO - BOISE STATE MEMORIES, SPENCER DANIELSON AND YEAR THREE IN THE NFL

Idaho Sports Talk

Play Episode Listen Later Mar 27, 2024 28:37

Former Boise State wide receiver star Khalil Shakir joins Prater and Mallory in the KTIK RoePaint.com studio for 35 minutes. The Bills' third-year player talks about his career in the NFL, growing expectations in Buffalo, Bills Mafia, and life away from football.See omnystudio.com/listener for privacy information.

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KHALIL SHAKIR: BILLS WR JOINS IST IN-STUDIO - BOISE STATE MEMORIES, SPENCER DANIELSON AND YEAR THREE IN THE NFL

Prater & The Ballgame

Play Episode Listen Later Mar 27, 2024 28:37

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The Call Guys Podcast, Episode 104 - Year 2: Finale

The thecallguys’s Podcast

Play Episode Listen Later Mar 18, 2024 186:06

Welcome back to the Call Guys Podcast! This is it! The finale for Year Two of the Call Guys Podcast! We are joined by Nick, Tony, The Emperor and Jake to discuss everything from this year! From our favorite songs to They Live, listen in and enjoy this extra long episode! Thank you for all of the love and support throughout Year Two, and we hope you come back for what we have prepared for Year Three! Don't forget to join our March Madness ESPN Fantasy Tournament for a chance to win a free T-Shirt! https://fantasy.espn.com/games/tournament-challenge-bracket-2024/group?fromEdition=espn-en&id=0d18faeb-1cb9-4f03-a5df-916e5d177e3c&joining=true&joinKey=fa7971d4-57d9-377c-a84c-1b8fb9b55c4e Be sure to watch us on Youtube! Just search for “The Call Guys Podcast.” Like and Subscribe! Check us out wherever you get your podcasts. Spotify Apple Podcasts Amazon Music Google Podcasts Podbean You can also find us on all of your social media accounts. Facebook: www.facebook.com/thecallguyspod Instagram: @thecallguys TikTok: @thecallguyspodcast Linktree: www.linktr.ee/thecallguyspodcast Send us your recommendations for the Question of the Podcast, or even what we should talk about in a future episode to thecallguyspodcast@gmail.com And, Check out our website, www.goldenmojoent.com Also check out: Golden Image Podcast www.facebook.com/goldenimagepodcast www.linktr.ee/goldenimagepodcast The Murdnerds www.facebook.com/MurdNerds www.linktr.ee/murdnerds The Indiana Chiefs Fans Podcast www.facebook.com/INChiefsFansPod A Court of Books and Booze www.facebook.com/acourtofbab The Golden 80's Podcast www.facebook.com/profile.php?id=100092241900860 And, finally, The United States of Paranormal Podcast www.facebook.com/theunitedstatesofparanormal www.theunitedstatesofparanormal.com #movies #sports #podcast #marvel #talkshow #podbean #spotify #thecallguys #film #cinema #moviereview #filmanalysis #filmmaker #comedy #movie #cinephile #netflix #hulu #disney+ #music #winddown #yeartwo #yearthree #104 #finale #taylorswift #songs #dad #family #endoftheyear

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Episode 104: Nancy Regan Shows Up in Hot Jupiter Sounds to Interview US in Celebration of Year Three Kick-Off for Mike and Kristen the Podcast

Mike and Kristen

Play Episode Listen Later Mar 13, 2024 73:32

Our dear friend, the legendary Nancy Regan has taken over the mic to host this week's episode of Mike and Kristen! She takes us down memory lane asking how we met, what we love about each other, and how we've managed to maintain both collaboration and connection after 13 years of being a couple. We reveal one of our closest secrets – Mexican Superbowl – as one of our key ingredients to longevity. A behind the curtain glimpse at our lives, with the brilliance of Nancy's guidance. Let's GO for year three everyone! Us on the web: www.mikeandkristen.ca Instagram: www.instagram.com/mike_and_kristen/ Facebook: https://www.facebook.com/mikeandkristencreative Shoot us a message! Say hello, tell us who you think we should have on the podcast, and your deepest and darkest secrets: mikeandkristencreative@gmail.com Review our book "You and Me" on Amazon (it helps a lot!!): https://amzn.to/3qqNCMo Intro song: "The Walk" Outro song: "The Jam" both by Mike's band The Town Heroes - www.thetownheroes.com Mike's site: www.michaelsryan.com Kristen's site: www.kristenherringtonart.com M & K Fundraiser: https://mikeandkristen.ca/fundraiser Nancy's Website: https://www.nancyregan.ca Nancy's Instagram: https://www.instagram.com/novascotianancy/

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LSU Football: Why Year Three Is MAKE OR BREAK For Brian Kelly

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Play Episode Listen Later Mar 7, 2024 38:53

Former LSU star Jacob Hester joins the show to talk all things SEC football including Nick Saban's latest comments on WHY he left college football, a pivotal year three in Baton Rouge, why he's BUYING the Ole Miss hype, most underrated SEC team entering the 2024 season and much more. ⬇️ Support SECU ⬇️ PRIZE PICKS Use code "SECU" to receive a 100% deposit match up to $100. https://app.prizepicks.com/sign-up?invite_code=SECU&af_xp=social&source_caller=ui&pid=SECU&utm_content=SECU&utm_source=partner&shortlink=SECU&utm_medium=influencer&utm_campaign=100depositmatch&utm_term=SECU&c=SECU MYBOOKIE Use code "SECU" at signup to receive a special Welcome Offer from MyBookie. https://www.mybookie.ag/ RHOBACK Use code "SECU" for 20% off your first purchase at https://rhoback.com/. Subscribe to SEC Unfiltered, the best SEC podcast on the internet: https://podcasts.apple.com/us/podcast/sec-unfiltered/id1441899352 Website: https://www.secunfiltered.com/ Discord: https://discord.gg/ARtaSp25DH X: https://twitter.com/SECUnfiltered Instagram: https://www.instagram.com/secunfiitered/ Facebook: https://www.facebook.com/SECUnfiItered Podcast: https://podcasts.apple.com/pl/podcast/sec-unfiltered/id1441899352 Let's get it! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Notre Dame Enters A Crucial Year Three On Defense

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Play Episode Listen Later Mar 6, 2024 34:24

Spring practice kicks off this week and it's a crucial period for the Notre Dame defense. The group was solid in year one but excellent in year two. What will year three bring? Will it be continued growth, or will the defense take a step back after losing so much experience? That's topic one in today's show. Shop for Irish Breakdown gear at our online store: https://ibstore.irishbreakdown.com/ Join the Irish Breakdown premium message board: https://boards.irishbreakdown.com Stay locked into Irish Breakdown for all the latest news and analysis about Notre Dame: https://www.irishbreakdown.com Subscribe to the Irish Breakdown podcast on iTunes: https://podcasts.apple.com/us/podcast/irish-breakdown/id1485286986 Like and follow Irish Breakdown on Facebook: https://www.facebook.com/groups/irishbreakdown Sign up for the FREE Irish Breakdown daily newsletter: https://www.subscribepage.com/irish-breakdown-newsletter Learn more about your ad choices. Visit podcastchoices.com/adchoices

Grim Ukraine War Anniversary, WTO in Limbo, Blinken's Lula and Milei Tour, and More

The World Next Week

Play Episode Listen Later Feb 22, 2024 29:18

Ukraine marks the second anniversary of Russia's large-scale invasion; the World Trade Organization (WTO) holds its thirteenth ministerial conference in Abu Dhabi amid deep uncertainty about progress on dispute settlement system reform; U.S. Secretary of State Antony Blinken travels to Argentina and Brazil to forge stronger U.S.-South America ties; and the World Health Organization raises alarm about the situation at the Gaza Strip's Nasser Hospital. Mentioned on the Podcast “Is Anyone Still Afraid of the United States?: A Conversation With Robert Gates,” Foreign Affairs Inu Manak and Manjari Chatterjee Miller, “Responsible Consensus at the WTO Can Save the Global Trading System,” CFR.org Stephanie Nolen, “War and Illness Could Kill 85,000 Gazans in Six Months,” New York Times “Year Three of the Ukraine War, With Miriam Elder and Carla Anne Robbins,” The President's Inbox Recommended Reading Keith M. Rockwell, “A Moment of Truth for the WTO,” Hinrich Foundation For an episode transcript and show notes, visit The World Next Week at: https://www.cfr.org/podcasts/grim-ukraine-war-anniversary-wto-limbo-blinkens-lula-and-milei-tour-and-more

Year Three of the Ukraine War, With Miriam Elder and Carla Anne Robbins

The President's Inbox

Play Episode Listen Later Feb 20, 2024 33:03

Miriam Elder, the Edward R. Murrow press fellow at CFR, and Carla Anne Robbins, a senior fellow at CFR and co-host of CFR's The World Next Week podcast, sit down with James M. Lindsay to discuss where the war between Russia and Ukraine is headed as it enters its third year. Mentioned on the Episode “House Republicans Fear Trump Too Much to Aid Ukraine,” Economist Simon Shuster, The Showman: Inside the Invasion That Shook the World and Made a Leader of Volodymyr Zelensky The World Next Week, Council on Foreign Relations “Ukraine's Commander-in-Chief on the Breakthrough He Needs to Beat Russia,” Economist For an episode transcript and show notes, visit The President's Inbox at: https://www.cfr.org/podcasts/year-three-ukraine-war-miriam-elder-and-carla-anne-robbins

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GM Report Card: Is Joe Schoen ready for critical year three success?

One Giant Podcast

Play Episode Listen Later Feb 14, 2024 38:37

The guys look back at two Draft and Free Agency classes for Giants GM Joe Schoen and grade out the success(and failures). There were clear restrictions from a financial standpoint and yet decisions around players like Will Hernandez, Paris Campbell and Mark Glowinski raised eyebrows in Free Agent decisions. Draft classes have also brought some concerns, specifically across the Offensive Line with Evan Neal being the poster child for misallocated draft picks. To say nothing of the Daniel Jones contract, Joe Schoen with money in hand, will be heavily scrutinized throughout the offseason and Draft. Support Our Sponsors! https://www.manscaped.com/#shop-now PROMO CODE: OGP24 for 20% off and FREE shipping HEAR THE PODCAST: https://podcasts.apple.com/us/podcast/one-giant-podcast/id1481967999 FOLLOW THE SHOW: https://twitter.com/oneGIANTpodcast https://twitter.com/AdamArmbrecht https://twitter.com/amack214 READ ON SUBSTACK: https://substack.com/profile/19781728-adam-c-armbrecht?r=brzog&s=r&utm_campaign=profile&utm_medium=web --- Send in a voice message: https://podcasters.spotify.com/pod/show/onegiantpodcast/message Support this podcast: https://podcasters.spotify.com/pod/show/onegiantpodcast/support

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Cue The Confetti! | REDESIGNING MIDLIFE Turns THREE | All The Health & Wellness Highlights To Get Your Midlife Moving

THE NEW OLD YOU, Fitness Over 50, Midlife Healthy Living, Middle Aged Woman, Self Care Ideas, Menopause Symptoms

Play Episode Listen Later Jan 31, 2024 43:07

How can it be THREE YEARS already!? Are you ready for "The Best Of Redesigning Midlife" - Year Three? I have many, many great tidbits from all of my guests this year. We're talking midlife health, we're talking midlife fitness, midlife nutrition, and we're talking midlife overall wellness for body and soul. Thank you for your support over the last three years. I will return with all new episodes soon, but until then, make sure to listen to some of these amazing episodes in their entirety.And until I see you again, get that midlife body moving!Find me on my Website:https://www.lesleylmcshane.comWant to talk to me about your specific health journey? Need some help, someone to listen, to understand, and to give you some practical strategies for better health starting today? Book a Call with me!Questions? Email me: lesley@lesleylmcshane.comFREE Guide: 4 Steps To Prioritize Your Health & Wellness This Week (And Actually Do It!) Connect with me on Instagram:Get the Redesigning Midlife UpdatesFind your community at the private Redesigning Midlife Facebook Group Get your MENO WELL bars (formerly Bossa Bars) - Use LESLEY10 for 10% off your first orderCheck out Kion and get the Redesigning Midlife Discount - 20% off subscriptions and 10% off individual orders.Need a good, reliable, clean, and professional Plumber? Call 1-Tom-Plumber - The Name Is The Phone Number

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Why Is Year Three So Important for Marcus Freeman and Notre Dame

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Play Episode Listen Later Jan 30, 2024 58:11

Year three has long been known as a big year for Notre Dame coaches. But why? I break down why it's so important, what we need to see from Notre Dame in year three of the Marcus Freeman tenure. Shop for Irish Breakdown gear at our online store: https://ibstore.irishbreakdown.com/ Join the Irish Breakdown premium message board: https://boards.irishbreakdown.com Stay locked into Irish Breakdown for all the latest news and analysis about Notre Dame: https://www.irishbreakdown.com Subscribe to the Irish Breakdown podcast on iTunes: https://podcasts.apple.com/us/podcast... Like and follow Irish Breakdown on Facebook: https://www.facebook.com/groups/irishbreakdown Sign up for the FREE Irish Breakdown daily newsletter: https://www.subscribepage.com/irish-breakdown-newsletter Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Criterion Break - Episode 44 - The State Theatre: Year Three

Fat Dude Digs Flicks 2.0

Play Episode Listen Later Jan 17, 2024 103:48

The Break is back this week, as the arthouse trio looks back at year three in the reopening of the Sioux Falls State Theatre. We run down a timeline of the events, and discuss some of our most memorable moments including a month of Fat Dude approved flicks, some great audience participation experiences, mystery movies, a horror movie featuring a killer sloth, and a chance to say farewell to a dear friend. We also discuss our excitement over the theater's growth and our hopes for that to continue into the next year.Blake can be found on Letterboxd @therealjohng. Derrick can be found on Instagram AND Letterboxd @dervdude.Follow Fat Dude Digs Flicks across social media:Facebook - Fat Dude Digs FlicksInstagram - FatDudeDigsFlicksTwitter - FatDudeFlicksTikTok - FatDudeDigsFlicksLetterboxd - FatDudeFlicksSubscribe to this podcast on Apple Podcasts, Spotify, Amazon Music, Goodpods, or wherever you get your podcasts. Search for Fat Dude Digs Flicks and click on that subscribe button. Please take a second to rate and review the show, while you're at it!Subscribe to the Fat Dude Digs Flicks YouTube channel and send a thumbs up or two my way!If you'd like to contact me for any recommendations, questions, comments, concerns, or to be a future guest, you can send an email to FatDudeDigsFlicks@gmail.com. Support the show

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On the 2024 debut, "what does a dream semi look like this year?" Three youngsters and a Joker? Yep, that's probably a likely foursome!

KickServeRadio.com, Tennis on air, with Andy Zodin

Play Episode Listen Later Jan 12, 2024 54:53

And, Mats, Jonny, and our rockstar Kevin Cronin all weigh in with some fun thoughts about where we are in '24! Learn more about your ad choices. Visit megaphone.fm/adchoices

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Atlanta took a major step back offensively in year three under Arthur Smith

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Play Episode Listen Later Jan 5, 2024 36:19

Steve and Charlie discussed the Saints' playoff chances. Steve and Jeff Nowak interviewed Scott Kennedy, an analyst at AllFalcons.com. Kennedy reviewed Atlanta's consistency issues and struggles on the road. He talked about Arthur Smith, Desmond Ridder, and Taylor Heinicke. Kennedy praised Atlanta's running backs but criticized their playcalling. Steve and Charlie shared stats about the Falcons' offensive struggles. The guys listened to press conference audio from Derek Carr, Jamaal Williams, and Tyrann Mathieu.

Year Three Dr. Jekyll, Mr. Griddy! GOTY Special

Gaming Together: A Cooperative Podcast

Play Episode Listen Later Dec 29, 2023 103:15

Welcome to the culmination of year three of the Gaming Together Podcast!Hosted by Phil and NaveWe take a look at all the titles we covered this year and decide what is the creme de la creme and the creme de la trash.Our socials: linktr.ee/gamingtogetherSupport our content here: https://www.patreon.com/gamingtogetherpod

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An EMBARASSING Defeat In CoMo Has Fans Questioning The Direction Of South Carolina Football In Year Three Of The Shane Beamer Era

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Play Episode Listen Later Oct 23, 2023 33:28

Chris gives his full takeaways from South Carolina's 34-12 loss to the Missouri Tigers over the weekend. TSUS has new video content every day so make sure you're subscribed: https://www.youtube.com/channel/UCsQmBNkPOToCPXQOxQmS9eg Subscribe to The Spurs Up Show, the best Gamecocks podcast on the internet: https://podcasts.apple.com/us/podcast/the-spurs-up-show/id1441899352 Big Cock Club: https://www.patreon.com/bigcockclub Twitter: https://twitter.com/TheSpursUpShow Instagram: https://www.instagram.com/thespursupshow/?hl=en Facebook: https://www.facebook.com/TheSpursUpShow Podcast: https://podcasts.apple.com/us/podcast/the-spurs-up-show/id1441899352 Merch: https://tsus.store/ Let's get it! Learn more about your ad choices. Visit podcastchoices.com/adchoices

What does year three hold for Evan Mobley | Cleveland Cavaliers podcast

Locked On Cavs - Daily Podcast On The Cleveland Cavaliers

Play Episode Listen Later Oct 12, 2023 28:07

On a new episode of Locked on Cavs (Thursday, Oct. 12, 2023) hosts Chris Manning (@cwmwrites, The Just Basketball Show, SB Nation's Fear the Sword, Forbes Sports) and Evan Dammarell (@AmNotEvan, Right Down Euclid) kick off player previews by looking at Evan Mobley, what the big question about his season is, some numbers from last year that offer insight into where he's going and go through the best case and worst case scenarios for him. This episode was produced by Jake Stephens. The intro music is from our friends at Astral Radio. Subscribe the Locked on Cavs Subtext - claim your free one month trial now! Support Us By Supporting Our Sponsors!DoorDashGet fifty percent off your first DoorDash order up to a twenty-dollar value when you use code lockedonnba at checkout. Limited time offer, terms apply.Jase MedicalSave more than $360 by getting these lifesaving antibiotics with Jase Medical plus an additional $20 off by using code LOCKEDON at checkout on jasemedical.com.FanDuelThis episode is brought to you by FanDuel Sportsbook, Official Sportsbook of Locked On. Right now, NEW customers can bet FIVE DOLLARS and get TWO HUNDRED in BONUS BETS - GUARANTEED. Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

What does year three hold for Evan Mobley | Cleveland Cavaliers podcast

Locked On Cavs - Daily Podcast On The Cleveland Cavaliers

Play Episode Listen Later Oct 12, 2023 31:52

On a new episode of Locked on Cavs (Thursday, Oct. 12, 2023) hosts Chris Manning (@cwmwrites, The Just Basketball Show, SB Nation's Fear the Sword, Forbes Sports) and Evan Dammarell (@AmNotEvan, Right Down Euclid) kick off player previews by looking at Evan Mobley, what the big question about his season is, some numbers from last year that offer insight into where he's going and go through the best case and worst case scenarios for him. This episode was produced by Jake Stephens. The intro music is from our friends at Astral Radio. Subscribe the Locked on Cavs Subtext - claim your free one month trial now! Support Us By Supporting Our Sponsors! DoorDash Get fifty percent off your first DoorDash order up to a twenty-dollar value when you use code lockedonnba at checkout. Limited time offer, terms apply. Jase Medical Save more than $360 by getting these lifesaving antibiotics with Jase Medical plus an additional $20 off by using code LOCKEDON at checkout on jasemedical.com. FanDuel This episode is brought to you by FanDuel Sportsbook, Official Sportsbook of Locked On. Right now, NEW customers can bet FIVE DOLLARS and get TWO HUNDRED in BONUS BETS - GUARANTEED. Visit FanDuel.com/LOCKEDON to get started. FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

Bidenomics, Year Three with Collin Plume

The Charlie Kirk Show

Play Episode Listen Later Sep 27, 2023 36:15

Under Joe Biden, the cost of everything is rising nine, ten, even twenty percent in a given year. When does "transient" inflation become permanent inflation? And what would it look like for the U.S. to have low unemployment and a recession at the same time? Is that even possible? Collin Plume of Noble Gold helps Charlie navigate the confusing and unprecedented world of Bidenomics, where nothing is as it was before.Support the show: http://www.charliekirk.com/supportSee omnystudio.com/listener for privacy information.

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Chris Doering of SEC Network Talks Expectations For Year Three Of The Shane Beamer Era , Projecting The SEC East & West This Fall, Why The Dawgs Are The Pick To Win It All Yet Again And More