Episode 129 Buy-To-Let Variations Increase. Profits. The Complete Transcript
|
|
- Michael Short
- 5 years ago
- Views:
Transcription
1 Episode 129 Buy-To-Let Variations Increase Profits The Complete Transcript 1
2 Narrator: You are listening to the We Buy Houses Radio show for street smart investing tips, trends and talk with your host Rick Otton, property investor and mentor. Property investing made simple. Hi everybody and welcome, it's Rick Otton. We are on the We Buy Houses Radio podcast and of course strategies, trends about what people are doing with property. I'm actually going to be speaking with a couple of people on the phone today from the United Kingdom who have actually built their property, the buy-to-let portfolio, but they have done some interesting things to it in order to increase their cash flow over the years. Let's get straight into it, Joe and Jane, are you there? Hello, hi. Hi, we are here. How are you doing? Okay, tell you what? For the benefit of everybody listening to the podcast, whereabouts in the United Kingdom are you? We are in Somerset, that's just right down in the South West, South west corner, in Bristol. Okay. Now give us a little bit of your background. How long have you been doing property for? What was the traditional method you have been using and what have you done to modify that over the years to sort of create more cash out of it? Okay, well we started off, probably, about 12 years ago now, about We used to have a hair dressing salon which had a load of empty space upstairs all going to waste. So we what we did we started converting the 2
3 empty spaces into flats and letting them out. We quite liked that it was working pretty well and so we started going the way most property investors do and we bought a couple of terrace houses and we painted them ourselves. Joe put in new a kitchen and bathroom and so on and we let them out and sold them and we did traditional buy-to-let, which was fine for a couple of years, it worked really pretty well. But then after that we decided to go back to the strategy of creating flats. We bought rundown guest houses and closed down hotels, all that kind of things, big properties which we could create several flats out of and we found that was a huge way of maximizing the potential of the building. So okay, hang on, let me stop you right there. So you weren't so much buying the typical residential property and then renting it out, or not only that you weren't just getting a typical residential building or house and refurbishing it, you were going to buy different types of property which were not used for residential leasing and then you were changing those and converting those into the flats, is that correct? That's right Rick, yeah we would buy guest houses with about four or five apartments in it and then what we would do, we would title split them. What title split means, it would be under one title with each worth 200,000 as we bought it. We would split the titles which would force the value up of the property. It could be worth 350,000 after we've done it. Now, once you've done this title split, therefore people if they wanted to, if they wanted to sell those you would be 3
4 able to sell those individually and people would be able to get individual mortgages. Would that be correct? Yeah. We use the analogy of saying that if you could buy a big cake for say five pounds, then you could cut the cake into 8 slices and then each slice, separately sold, would sell for probably two pounds fifty each. So by selling them individually you are raising the value. So we put the whole of the property into a free-holding company and then we create leases off of that company and by creating the leases that is what you will use to raise finance for yourself to re-mortgage and that way you can get all your funds back out and hold onto to the property and let it out, or alternatively you can sell each flat separately and your buyer would then be able to get a mortgage loan too. I want to back up a little bit, because you have just covered half a dozen components and I know people are busily trying to... going to go, "I have to listen to this podcast five or six different times to get the last couple of things that you said," only because of what you do is quite creative. Let's go back to the first step. The first step is, you go and find yourself a building which doesn't necessarily have apartments in it now or it's already got apartments but they are already under one title. Okay, you don't necessarily need to find a building that have apartments in it. You could buy a three-bedroom house and you could split the downstairs into a flat and the upstairs into a flat. You would then split the title so you end up with two units instead of one unit. 4
5 Basically what we look for are larger properties. It can even be blocks of offices or disused shops or warehouses, anywhere basically which is a residential area where somebody would ultimately like to live. So just basically you're looking for big enough space, not boggled in criteria. Now you found a building and you go This could be a great building. What we're going to do is we are going to split these titles and do some work. How hard or how difficult is the learning because understanding when you ve got to split these titles then what has to happen is the various councils have to agree that this particular property qualifies under a whole number of regimes in order to have its own title, to learn that... This could be one of the main hurdles to get over. At the moment, in the UK, we are very fortunate in that because there is a new government directive, about a year now, we can convert empty office buildings into residential without needing planning permission. You still have to go through a sort of process, like a permit development process but it's much quicker and much easier than planning. Yes, you do have to follow guidelines about room sizes. Every council has got different criteria which you need to be aware of what the criteria is to make sure that what you propose is going to be acceptable to them. Yeah, they can be quite a hurdle to get over, it is one of the main issues to deal with, really. Now, do you therefore go to the council to get approval to what you want to do before you buy the building or do you wing it and buy the building and hope for the best? 5
6 What we do, we always run it past the council first just to see whether or not they foresee they are going to be any likely issues. Then wherever possible, we would use an option, we would use the utility option, subject to planning and we would try to tie this in for as long as possible. So if we could get them to agree to an option of six months or something to allow us to apply to planning, that is the number one choice. If they won't agree to that, the next thing we do is to exchange contracts, again subject to planning, so we don't have to complete if we don't get the planning. Unfortunately, some of these properties there's quite a lot of competition for and in that situation then we really do have to just get the best advice you could possibly get beforehand and just go for it and trust the planning is going to go through. We try not to do that if at all possible, as you can imagine. I totally get it, but I understand also sometimes with the market pressure you won't get what you want because someone else will come and snatch the deal and they will commit themselves to the contract, which of course in a perfect world, sellers would always like you to commit yourself to the contract. When you go to these plannings, so now we have got our planning, you come and now do the work. So now let's go to the next stage, you do the work and you have now got a number of separate titles. Now let's step through the next bit, Jane, that you are talking about that you do. Now that you have the separate titles and you have done the work, what's the next step of the process? Once you have got the planning permission, we now set about creating the individual flat and it's not like doing a 6
7 normal refurbishment on a house. They've got the building regulation that you need to follow. For instance, in the UK, it is quite a rigorous sound testing procedure that you have to go through. You have to separate each flat separately from the other in order that sound can't be heard and there are also quite strong insulation requirements as well and there are various tests and standard assessment procedure tests, which measure how energy efficient your properties are. You have to pass all these tests in order to get the building certificates and in order to create the individual flats. So it's during this process, while this is being done, that we leave the title splitting to the solicitors to go on and do. So when we finish doing the development, the titles are already split and we're ready to go with whatever action we can take. Okay, now that you have split all the titles and now that you have turned these things into flats, what's the next bit that you do? After we split the titles, at that point we've made the decision, depending on the local market, what should we do? Should we sell these flats or should we refinance and hold them? If the rental market is looking really strong at that time we would probably refinance each flat separately on a separate buy-to-let mortgage and then we would pull the money out, we would put it in the development finance side, and the investment that we use in order to purchase the property and some additional funds for ourselves as well. Of course it is tax free because it is a loan and then the mortgages are paid for by the tenants, much the same as we when we do the normal buy-to-let mortgage. Yeah we do that, another 7
8 alternative that we could do is look at tennant/buyers, that would also be a great scenario to use and they could pay a small income amount as they would in a normal tenant/buyer situation, pay over a number of years, that would also be a really good strategy to follow. Okay, so what we are doing is we then put people into those properties and then you re-mortgage to pull all your cash out and create a lot of debt against the property but enough that could be serviced by the person who is moving into the property. As you said because it's a loan, it's tax free, you are taking a loan and creating debt as against pulling cash out. You said something earlier about creating company structures and entities. Can you run us through that again? Yeah. It is not possible to actually hold a freehold and the leasehold yourself, you just can't do that. So what we do is that we put the actual property itself, the freehold into a company and the company then runs ground regs and runs a maintenance company then to control all the flats with your individual leases, because in the UK you cannot get a mortgage on a freehold flat. It has to be a leasehold flat, as the block of flats have to be managed by a management company. This is to ensure all the communal areas and the upkeep of the entire building is looked after and so it is pretty standard for any mortgage company in the UK. They would definitely want the flat to be leasehold. It's something you have to do. But of course, this also has another advantage because the freehold company has its own value because over the years it collects ground rent off of the leases and then 8
9 actually has a value of its own in the future. So it's another little added bonus basically. So what you do is you create your own management company? Yes, yes. So you create your own management company, you set these things up, you take the income from them, you borrow the money out and then you go on to the next one. So this is a model you have been applying now for how long? Oh, since We did not have much competition for it in those early days, there weren't many people doing it at all, but since May 2013, when it became okay to do offices to residential in the UK and to permit development, it's becoming quite a hot topic at the moment. So we're expecting a lot more competition out there these days for the good properties and the last two we bought we had to do seal bids to get, which ten years ago would not have been the case for a commercial property at all. Now when you go into this, the crew that come in and fixes and does these jobs for you, are these employees or people you contract in? We always use contractors, we do not employ any builders ourselves at all. We don't use major, major building companies, generally small building companies but we prefer them to control the plumbers and electricians and so on rather than us completely managing it and bringing in separate subcontractors because... the electrician that we brought in was to be a 9
10 JH or something that completely messed up plaster and the other trades and so on. So we find it better if the head of the building company controls the actual project itself. That's not to say that we're not hands on. We're around nearly every day just checking up on the project, just keeping an eye on things, just making sure everything is running on time and how we want it and to the standard we wanted it to be as well. Well, one of the issues that people run into when they do this, and we hear about it all the time in the property investment clubs or at conferences or whatever, is people look at what you do and they go, "Oh, great, I am going to go and get this refurbished and the building company in." The next minute it's got massive cost overruns, it takes a lot longer than what I thought and the profit is burnt up either in the holding costs or the overruns. How have you learned to control those things? Because let's face it, some of these jobs are getting somewhat large. How do you kind of control how these things do or do not blow out? What we do is we re fortunate because we built good relationships with our power team. They know what we expect and they know the timescale for each average flat, what we want doing with all the services and everything done. We do kind of time them on a bit more contracted work, so if they come in on time they get a bonus, if they go over time they actually kind of don't get bonus. It's actually our power team, we know them really quite well and so we're just lucky with the relationship that we have built up over a period of time. 10
11 We find it good to work with the same building teams because it's just a lot simpler then, particularly with things like the sound proofing. They know the exact procedure we like them to follow to ensure that the tests get passed. So what happens is, they probably use the same equipment, the same colors, the same look, the same design and they know all your bits and pieces, they sort of like take off the shelf and put it there for you. I like the idea that when you say you give them a bonus, which means they are obviously going to quote you a time frame to get the job done, and Joe you just said you give him a bonus if they come in earlier than that. Now, that bonus, is that done as a percentage or is it just something that you pull out of the air at the last minute and give them a couple of thousand pounds? Is that structured? It's a couple of thousand pounds as a bonus but not percentage. Okay, just a couple of thousand pounds you give them, okay. Now do you also use the same builders, when you go into these properties to decide which one to do and not to do? I could see that one of the issues a lot of people could have is they walk in and they will go, "Ah, heck I could convert this, but wow, I don't really know what I'm getting into. I don't really know what things are going to cost to get done." Now you would have had this when you started doing this. It would have been, "Wow, I want to do this but you just don't know what things cost to get this done." Now I am going to suggest that now Joe and Jane when you walk into a property, you probably have a fair idea what things cost to get done. Now, for someone who is listening to this podcast, what is the best 11
12 way to get your head around that? Because let's face it, you could walk into something and go, "Oh, this is a 5000 pound fix up." The next minute you've spent 20,000 pounds. So what can you use like a safety mechanism, if you like, so you know what you are getting into before you've gotten into it? Well certainly take a number of builders around and get some different quotes, but I think what I would do, I would look for somebody who is doing this similar kind of strategy already and maybe take them around as well. Either that or perhaps enter into like a joint venture with somebody who has done this already, so you can piggyback off of their experience or look over their shoulder and learn as they go along. Then maybe, perhaps, get their builders to have a word with the builders you want to use as well, to make sure that they are all working to the same standards. We've come across lots of different methods of working, particularly with sound proofing, and some of them we found really expensive and not terribly effective. So if anybody was asking our advice, we would steer them away from doing that kind of thing. I would say piggyback off somebody else's experience, try and link up with somebody who knows what they're doing and get them to come around with a couple of builders and get some different quotes I think. Have you had any experience of working with builders, over the years, where you've suggested to a builder that maybe you do something together as a joint venture? So the builder comes to the party, you come to the party with the property, the builder comes with the skill set, you fix it, 12
13 you get out of it and you split the profit in some way with the builder. Have you done anything like that before? No, we haven't Rick but it's something that we're talking to our builder about at the moment and it was only mentioned to him last week, when we said, "Well look, if you did a self-fund, what type of factor would you be looking for? Right. And he said, "Maybe about a 10% uplift." Which I thought was very, very good. A bargain. So whether or not he thought that through properly, I do not know, but this particular builder we use was actually quite open to it. I am doing one at the moment where I was at the coffee shop, meeting with a builder the other day and the biggest problem he had, he was probably a small team builder more like a sophisticated renovator, and his problem is getting the finance to his next project all the time, which is one of the issues that holds that industry back and I said, "I tell you what, why don't we do this, I will fund the projects, you come in and do all the work get us in and get us out of it very, very fast and what we will do is take out all the costs and split the profits." Now, what's tempting for me to do that is if I've got a builder who will get paid based on his performance of getting in, getting out, and getting it done efficiently and splitting profits with me, I probably don't have to supervise his as much as a guy that is on a contract but it's my $0.10 that 13
14 runs over board, he's all over that, loves the idea of it and I'm just going to do the mathematics that makes simple sense for me to get it in and get out. I want to be able to do two or three at the same time, knowing that my builder is in there on a percentage of profit basis. And I have always found actually that if I ever had builders in there on a percentage profit, it is always surprising how they get the cost of materials for a much cheaper price when it's going to affect their percentage profits. So I say, "Look, I tell you what I'll write all the mortgages, I will pay the holding cost, I'll pay material costs and whatever is left we split." And I just find magically, they've called in all these favors and all these material costs get a lot less and they seem to get out of the property fixed and done a lot quicker than the other way. Are you working on a project at the moment? Yes, we've got about three projects on at the moment. They are all at various stages of planning. One is going to be a four-flat development with a VTEL underneath, one is seven flat development with a sandwich bar or coffee shop underneath and another one, we've actually got quite a long delay completion on it, because at the moment it is a listed building, which in the UK if it is a listed building is of stark importance, then unfortunately it has to go for full planning permission and we have got a council official who wants the property to be marketed for a little bit longer to test whether there is any need for an office in the area. So that one we've got on a delayed completion in order to ride out this extra period of marketing. 14
15 Okay, well how do you work out, when you do all their mathematics, to get in and out of a project, do you have a formula that says x percentage goes towards acquiring the property, x percentage goes towards the fix up and x percentage profit. When you decide to get into or out of a project, how do you decide what profit margin it has to make for it to be a good call or a bad call? Well, out of the two of us Rick, Jane is the brain in the outfit, so what I will do is let Jane let you know how we do it, we put the n value forward. We always start with the end product to site, so the first thing we do is we assess what the likely value is of all the completed units. So if it is a commercial units we look at the yearly rent and then multiply that by a certain number depending on how good or weak the area it is, and the individual value of each separate flat. Then we add them together, then out of that I would take 75% and that 75% figure then I know I would to be able to re-finance at or about the amount. So even if we were planning on selling the units, I would still look at 75% as an absolute minimum. Then off of that figure we then take off all the costs, all the holding costs, the building costs, planning, legal, dressing, the property sales afterwards, agent cost, the whole myriad of costs. Then I would also take off what fee did we want for actually doing the work ourselves, what wage did we want out of that. Then the figure that we would be left with after all that would be the absolute maximum that we would offer on that property regardless of what it was marketed for but that's what we would base our offer on as a maximum. 15
16 Ricky: Okay, so if you look at Joe and Jane, just for the benefit of people, Joe what do you do? Jane what do you do? I am sure you both do different components. So who does what bit? Well, Jane is the brains, Jane works out all the figures, what we can afford, what we can't afford, how we can do it. What I do I negotiate. So I love to negotiate the vendors and with the agents. I must say Rick, being on your course, when we were on your course last year we learnt so much from you. It was amazing. And I just love to negotiate and that is what I love to do and that's what I do. Jane doesn't like to negotiate, Jane send me in, so I've got to break the ice, so I 've got to meet the vendor or the agent. Once the ice is broken then Jane will come in and then starts kind of working figures out. Okay, so Jane is the analytical and Joe, you are the big picture guy, you bring the deal to the table and then Jane comes and then cleans up your mess. Exactly, exactly, yeah, that's exactly... Joe comes up with all the ideas and then I take the ideas and see whether they are going to work or not and if they are, if I feel it is a good project, then I'll take it on from then and maximize it, yeah basically. In other words Joe comes up with the idea and then Jane, you turn around and say how is that ever going to make us some money Joe? Then Joe has to sell the idea to Jane. Yeah I get it, I understand. There would be nothing worse if you were both analytical and nothing worse if you were both big ideas people. Image two big ideas people, 16
17 you would never get anything done but you talk about some great ideas. Joe would want to do every project out there if it wasn't for me saying, "Hang on a minute, let's make sure that will really work, because then you need somebody to keep your feet on the ground, don't you? I totally, totally get that 100%. Hey guys, if you listen to the podcast and you're in Australia and you want a free copy of the brand new property investors tool kit, subscribe to webuyhousesradio.com and we will ship it to you free. For everybody here in the UK, like Joe and Jane, you want to download the property investors tool kit, go to that's Joe and Jane, it's really interesting, we've been chatting for just about 30 minutes about how you're putting these transactions together. So guys, I know we have come to the end of our podcast for another week. So I want to thank you Joe and Jane for coming in guys and sharing your time because I know what you're doing with the property and I think what's great about it is there are a lot of people listening to this podcast and going, "Now, there is something that I've never thought about before." So I think that's really fantastic. So guys, thank you very much for coming on the podcast with us today. Thanks Rick. It has been my pleasure, I thoroughly enjoyed it. Thank you very much for asking us, I totally find it interesting. 17
18 Narrator: No worries, guys, everybody listening we have come to the end of the podcast. Listen, to subscribe to our podcast and to get the free transcripts, a lady said to me the other day, she said, "I love your podcast because you actually have the transcripts," at webuyhousesradio.com and send questions to us at support@webuyhouses.com.au and ask any questions about could you interview somebody who does this or does that or how do you put a different type of strategy around bearing in mind that the audience is somewhat worldwide these days. Okay everybody, looking forward to catching you on the We Buy Houses podcast next week. Good bye. If you would like to download the audio or transcript for this episode, go to radio.com. And if you have any questions please support@webuy houses.com.au. Thank you for tuning in, you are on the right path to real estate success. This show does not provide legal, financial, accounting, investment or any other professional advice. Any information shared on this podcast is that of the hosts. Nevertheless, Rick and his students are abundantly successful and would not transact real estate in any other way. 18
Buying and Holding Houses: Creating Long Term Wealth
Buying and Holding Houses: Creating Long Term Wealth The topic: buying and holding a house for monthly rental income and how to structure the deal. Here's how you buy a house and you rent it out and you
More informationLife Science Marketing Agencies: The RFP is Dead
Life Science Marketing Agencies: The RFP is Dead This transcript was lightly edited for clarity. My guest on this episode is Laura Brown. Laura is the CEO of Covalent Bonds. Covalent Bonds works with scientific
More informationWelcome to our first of webinars that we will. be hosting this Fall semester of Our first one
0 Cost of Attendance Welcome to our first of --- webinars that we will be hosting this Fall semester of. Our first one is called Cost of Attendance. And it will be a 0- minute webinar because I am keeping
More information2015 Mark Whitten DEJ Enterprises, LLC 1
Mark: All right guys. First of all I just wanted to thank everybody for getting on this webinar. Usually I go around the country, I do my seminars, my bus tours, or things like that and it is good. I just
More informationOG TRAINING - Recording 2: Talk to 12 using the Coffee Sales Script.
OG TRAINING - Recording 2: Talk to 12 using the Coffee Sales Script. Welcome to The second recording in this series which is your first training session and your first project in your new gourmet coffee
More informationCLICK HERE TO SUBSCRIBE
Mike: Welcome to the inaugural episode of the Membership Guy's podcast. I'm Mike Morrison, one half of the membership guys alongside my partner Callie Willows and the purpose of these episodes is to provide
More informationCOLD CALLING SCRIPTS
COLD CALLING SCRIPTS Portlandrocks Hello and welcome to this portion of the WSO where we look at a few cold calling scripts to use. If you want to learn more about the entire process of cold calling then
More informationModule 2: Foundation. Welcome to Part 2 of Guerrilla Property Marketing.
Module 2: Foundation Welcome to Part 2 of Guerrilla Property Marketing. This is the foundation section. In this section, we will talk about what preparation you need to make before you get moving with
More informationBecome A Blogger Premium
Introduction to Traffic Video 1 Hi everyone, this is Yaro Starak and welcome to a new series of video training, this time on the topic of how to build traffic to your blog. By now you've spent some time
More informationBOOK MARKETING: Profitable Book Marketing Ideas Interview with Amy Harrop
BOOK MARKETING: Profitable Book Marketing Ideas Interview with Amy Harrop Welcome to Book Marketing Mentors, the weekly podcast where you learn proven strategies, tools, ideas, and tips from the masters.
More informationHow to use messages on hold to grow your small business.
How to use messages on hold to grow your small business. Transcribed from the September, 2016 Tom Borg Business Builders Tele-seminar. http://tomborgconsulting.com Hello everyone, and welcome to our Business
More informationHow to get more quality clients to your law firm
How to get more quality clients to your law firm Colin Ritchie, Business Coach for Law Firms Tory Ishigaki: Hi and welcome to the InfoTrack Podcast, I m your host Tory Ishigaki and today I m sitting down
More informationReal Estate Investing Podcast Brilliant at the Basics Part 15: Direct Mail Is Alive and Very Well
Real Estate Investing Podcast Brilliant at the Basics Part 15: Direct Mail Is Alive and Very Well Hosted by: Joe McCall Featuring Special Guest: Peter Vekselman Hey guys. Joe McCall back here with Peter
More informationPhone Interview Tips (Transcript)
Phone Interview Tips (Transcript) This document is a transcript of the Phone Interview Tips video that can be found here: https://www.jobinterviewtools.com/phone-interview-tips/ https://youtu.be/wdbuzcjweps
More information2015 Mark Whitten DEJ Enterprises, LLC 1
All right, I'm going to move on real quick. Now, you're at the house, you get it under contract for 10,000 dollars. Let's say the next day you put up some signs, and I'm going to tell you how to find a
More informationInterviewing Techniques Part Two Program Transcript
Interviewing Techniques Part Two Program Transcript We have now observed one interview. Let's see how the next interview compares with the first. LINDA: Oh, hi, Laura, glad to meet you. I'm Linda. (Pleased
More informationDo Not Quit On YOU. Creating momentum
Do Not Quit On YOU See, here's the thing: At some point, if you want to change your life and get to where it is you want to go, you're going to have to deal with the conflict of your time on your job.
More informationClass 1 - Introduction
Class 1 - Introduction Today you're going to learn about the potential to start and grow your own successful virtual bookkeeping business. Now, I love bookkeeping as a business model, because according
More informationeven describe how I feel about it.
This is episode two of the Better Than Success Podcast, where I'm going to teach you how to teach yourself the art of success, and I'm your host, Nikki Purvy. This is episode two, indeed, of the Better
More informationTraining and Resources by Awnya B. Paparazzi Accessories Consultant #
Papa Rock Stars Podcast Training and Resources by Awnya B. Paparazzi Accessories Consultant #17961 awnya@paparockstars.com http://www.paparockstars.com Paparazzi Accessories Elite Leader: Natalie Hadley
More informationSHA532 Transcripts. Transcript: Forecasting Accuracy. Transcript: Meet The Booking Curve
SHA532 Transcripts Transcript: Forecasting Accuracy Forecasting is probably the most important thing that goes into a revenue management system in particular, an accurate forecast. Just think what happens
More informationjust going to flop as soon as the doors open because it's like that old saying, if a tree falls in the wood and no one's around to hear it.
Mike Morrison: What's up, everyone? Welcome to episode 141 of The Membership Guys podcast. I'm your host, Mike Morrison, and this is the show for anybody serious about building and growing a successful
More informationHow to Help People with Different Personality Types Get Along
Podcast Episode 275 Unedited Transcript Listen here How to Help People with Different Personality Types Get Along Hi and welcome to In the Loop with Andy Andrews. I'm your host, as always, David Loy. With
More informationEp #181: Proactivation
Full Episode Transcript With Your Host Brooke Castillo Welcome to The Life Coach School Podcast, where it s all about real clients, real problems, and real coaching. And now your host, Master Coach Instructor,
More informationShift your mindset A survival kit for professionals in change with Cyriel Kortleven
CPA Australia Podcast Transcript - Episode 31: Shift your mindset A survival kit for professionals in change with Cyriel Kortleven Introduction: Hello and welcome to the CPA Australia podcast, your source
More informationEarning & Receiving Your Fee With Larry Kendall
1. Fee Discussions Earning & Receiving Your Fee With Larry Kendall Times have changed. 3 Waves Choices o Consumers o Realtors Earning your fee. Tomatoes 3 Waves o Wave #1: o Wave #2: o Wave #3: o Whose
More informationEpisode 6: Can You Give Away Too Much Free Content? Subscribe to the podcast here.
Episode 6: Can You Give Away Too Much Free Content? Subscribe to the podcast here. Hey everybody! Welcome to episode number 6 of my podcast. Today I m going to be talking about using the free strategy
More informationSkills 360 Handling Technical Interviews (Part 1)
Skills 360 Handling Technical Interviews (Part 1) Discussion Questions 1. How do you feel when you have to prepare for a difficult interview? 2. When you don t understand an interview question, what do
More informationONTARIO MINISTRY OF EDUCATION
ONTARIO MINISTRY OF EDUCATION ************************************************************************ Financial Literacy in Grade 10 Guidance and Career Education GLC2O ************************************************************************
More informationReal Estate Buyer Scripts Role Play CD I
Real Estate Buyer Scripts Role Play CD I 1 Real Estate Buyer Scripts Hi. This is Joey Bridges with www.onlinerealestatesuccess.com. James and I have put together this Role Playing CD so you can hear how
More informationHow to Get Started with AdWords for Your Online Store
TRANSCRIPT: 7.31.2017 How to Get Started with AdWords for Your Online Store Bluehost, the sponsor of the WP ecommerce show, is the most trusted host for WordPress websites and has been the most recommended
More informationListening Comprehension Questions These questions will help you to stay focused and to test your listening skills.
RealEnglishConversations.com Conversations Topic: Job Interviews Listening Comprehension Questions These questions will help you to stay focused and to test your listening skills. How to do this: Listen
More informationUsing Google Analytics to Make Better Decisions
Using Google Analytics to Make Better Decisions This transcript was lightly edited for clarity. Hello everybody, I'm back at ACPLS 20 17, and now I'm talking with Jon Meck from LunaMetrics. Jon, welcome
More informationThe Open University xto5w_59duu
The Open University xto5w_59duu [MUSIC PLAYING] Hello, and welcome back. OK. In this session we're talking about student consultation. You're all students, and we want to hear what you think. So we have
More informationPARTICIPATORY ACCUSATION
PARTICIPATORY ACCUSATION A. Introduction B. Ask Subject to Describe in Detail How He/She Handles Transactions, i.e., Check, Cash, Credit Card, or Other Incident to Lock in Details OR Slide into Continue
More informationAuthor Platform Rocket -Podcast Transcription-
Author Platform Rocket -Podcast Transcription- Grow your platform with Social Giveaways Speaker 1: Welcome to Author Platform Rocket. A highly acclaimed source for actionable business, marketing, mindset
More information2015 Mark Whitten DEJ Enterprises, LLC 1
Here's an example of double closings. I know we talked about it and I want to show you exactly how it works. This is how it works. Let me turn on my screen. Wait, I've almost got it. Just know this, look
More informationCLICK HERE TO SUBSCRIBE
Mike: Hey, what's happening? Mike here from The Membership Guys. Welcome to Episode 144 of The Membership Guys podcast. This is the show that helps you grow a successful membership website. Thanks so much
More informationCLICK HERE TO SUBSCRIBE
Mike Morrison: What's up, everybody? Welcome to Episode 120 of The Membership Guys Podcast. I'm your host Mike Morrison, one half of the Membership Guys, and on today's show we're talking about five things
More informationThe ENGINEERING CAREER COACH PODCAST SESSION #1 Building Relationships in Your Engineering Career
The ENGINEERING CAREER COACH PODCAST SESSION #1 Building Relationships in Your Engineering Career Show notes at: engineeringcareercoach.com/session1 Anthony s Upfront Intro: This is The Engineering Career
More informationI have been a full time investor for 8 years closing over 100 million dollars in real estate.
Hi my name is Brian Haskins I am a speaker, author and real estate coach. I have been a full time investor for 8 years closing over 100 million dollars in real estate. I still run a full time wholesaling
More informationHow to get more clients with LinkedIn with Gary Kissel
How to get more clients with LinkedIn with Gary Kissel Intro: Turn your hobby and freelance work into a profitable business! Make your marketing easier by applying the strategies of experienced entrepreneurs
More informationIntegrating Events with Marketing Automation to Improve ROI
Integrating Events with Marketing Automation to Improve ROI This transcript was lightly edited for clarity. Chris: Okay, welcome and thank you for joining us. My guest on the show today is a modern marketing
More informationEp 195. The Machine of Your Business
Full Episode Transcript With Your Host Jody Moore I'm Jody Moore and this is Better Than Happy, episode 195, The Machine of Your Business. This podcast is for people who know that living an extraordinary
More informationCelebration Bar Review, LLC All Rights Reserved
Announcer: Jackson Mumey: Welcome to the Extra Mile Podcast for Bar Exam Takers. There are no traffic jams along the Extra Mile when you're studying for your bar exam. Now your host Jackson Mumey, owner
More informationWelcome to another episode of Getting the Most. Out of IBM U2. This is Michael Logue, and I'll be your host
Welcome to another episode of Getting the Most Out of IBM U2. This is Michael Logue, and I'll be your host for today's episode which takes a look at getting the most out of U2 Technical Support. First
More informationTips On Starting Your WooCommerce Online Store with Michael Tieso
TRANSCRIPT: 11.2.2016 Tips On Starting Your WooCommerce Online Store with Michael Tieso Bob Dunn: Hey everyone, welcome to episode thirty-nine. Bob Dunn here, also known as BobWP on the web. Today is a
More informationGetting Affiliates to Sell Your Stuff: What You Need To Know
Getting Affiliates to Sell Your Stuff: What You Need To Know 1 Getting affiliates to promote your products can be easier money than you could make on your own because... They attract buyers you otherwise
More informationLISA: WE ARE BACK AND I'M LISA SCHAFFNER YOU ARE WATCHING HOW TO BUY A HOME THE RIGHT WAY
LISA: WE ARE BACK AND I'M LISA SCHAFFNER YOU ARE WATCHING HOW TO BUY A HOME THE RIGHT WAY IN THIS PARTICULAR SEGMENT WE'RE GONNA TAKE A LOOK AT WHAT YOU SHOULD KNOW ABOUT WORKING WITH A LENDER AS WELL
More informationSOAR Study Skills Lauri Oliver Interview - Full Page 1 of 8
Page 1 of 8 Lauri Oliver Full Interview This is Lauri Oliver with Wynonna Senior High School or Wynonna area public schools I guess. And how long have you actually been teaching? This is my 16th year.
More informationBlatchford Solutions Podcast #30 Top Women in Dentistry: Interview with Dr. Davis Only If I Knew Than What I Know Now
Blatchford Solutions Podcast #30 Top Women in Dentistry: Interview with Dr. Davis Only If I Knew Than What I Know Now Intro: 00:00 Welcome to the Blatchford Solutions podcast. A podcast dedicated to helping
More informationSDS PODCAST EPISODE 94 FIVE MINUTE FRIDAY: THE POWER OF NOW
SDS PODCAST EPISODE 94 FIVE MINUTE FRIDAY: THE POWER OF NOW This is Five Minute Friday episode number 94: The Power of Now. Hello and welcome everybody back to the SuperDataScience podcast. Today I've
More informationHow to Make Money Selling On Amazon & Ebay! By Leon Tran
How to Make Money Selling On Amazon & Ebay! By Leon Tran Chapter Content Introduction Page 3 Method #1: Amazon To Ebay Page 4 Method #2: Cross-Selling On Ebay Page 9 Method #3: Reselling The Big Bucks
More informationPower of Podcasting #30 - Stand Out From The Crowd Day 3 of the Get Started Podcasting Challenge
Power of Podcasting #30 - Stand Out From The Crowd Day 3 of the Get Started Podcasting Challenge Hello and welcome to the Power of Podcasting, and today we have a very special episode. Recently, I just
More informationIB Interview Guide: How to Walk Through Your Resume or CV as an Undergrad or Recent Grad
IB Interview Guide: How to Walk Through Your Resume or CV as an Undergrad or Recent Grad Hello, and welcome to this next lesson in this module on how to tell your story, in other words how to walk through
More informationSPECIAL REPORT. How To Sell A House If You Own It Free & Clear
SPECIAL REPORT How To Sell A House If You Own It Free & Clear SPECIAL REPORT How To Sell A House If You Own It Free & Clear Whether you are in a place where you want to move somewhere more interesting,
More informationStay connected to out investing posts and videos - visit and Like Facebook.com/MakeExtraMoney
FREE Tool - Type in Zip Code - Find CASH Home Buyers Get free access to it plus free training on how to profit bringing them Foreclosure deals by going here... CashFlowInstitute.com Stay connected to out
More informationDON T SABOTAGE YOUR DREAM.
DON T SABOTAGE YOUR DREAM. The home you ve dreamed about is right around the corner. You ve done all the right legwork up front: You ve gotten pre-approved for a mortgage. You re working with a great real
More informationSmart Passive Income Gets Critiqued - Conversion Strategies with Derek Halpern TRANSCRIPT
Smart Passive Income Gets Critiqued - Conversion Strategies with Derek Halpern TRANSCRIPT Blog Post can be found at: http://www.smartpassiveincome.com/conversion-strategies YouTube video of interview can
More informationEpisode 14: How to Get Cheap Facebook Likes and Awesome Engagement Subscribe to the podcast here.
Episode 14: How to Get Cheap Facebook Likes and Awesome Engagement Subscribe to the podcast here. Hi everybody welcome to episode number 14 of my podcast where I'm going to be talking about how to use
More informationCharissa Quade. CookWithAShoe.com
Charissa Quade CookWithAShoe.com Like many people, Charissa Quade was once a person who hated budgeting because it made her feel like a failure with money. She realized the opposite is true. Budgeting
More informationGood day. Thank you, Jacob, for inviting me.
Introduction: Welcome to the Enchanting Lawyer Podcast, the show that walks you step- by- step to improving strategies you can use today to grow your business. We show you how being kind, useful, and,
More informationHiring intelligently (NOW!)...
Hiring intelligently (NOW!)... As with each and every module presented any of them can revolutionize everything in your company, dramatically rocket your income and change your life - regardless of your
More information2015 Mark Whitten DEJ Enterprises, LLC 1
Now what we going to do is we going to talk about setting up a business, all right? As you see on the screen, it's says, "Setting Up Your LLCs". What's an LLC? An LLC is a limited liability company. Why
More informationThe Magic Letter. Copyright All rights reserved. You do not have permission to distribute this file to others. It is strictly for your own use.
The Magic Letter. Copyright 2012. All rights reserved. You do not have permission to distribute this file to others. It is strictly for your own use. From The Mind Of: Bryan Winters l 1:34 a.m. Dear online
More informationCopyright MMXVII Debbie De Grote. All rights reserved
Gus: So Stacy, for your benefit I'm going to do it one more time. Stacy: Yeah, you're going to have to do it again. Gus: When you call people, when you engage them always have something to give them, whether
More information************************************************************************ Financial Literacy in Grades 9 and 10 The Arts Music AMU1O and AMG2O
************************************************************************ Financial Literacy in Grades 9 and 10 The Arts Music AMU1O and AMG2O ************************************************************************
More informationHello and welcome to the CPA Australia podcast, your source for business, leadership and public practice accounting information.
CPA Australia Podcast Episode 30 Transcript Introduction: Hello and welcome to the CPA Australia podcast, your source for business, leadership and public practice accounting information. Hello and welcome
More informationEp #207: Being a Good Employee
Full Episode Transcript With Your Host Brooke Castillo Welcome to The Life Coach School Podcast, where it s all about real clients, real problems, and real coaching. And now your host, Master Coach Instructor,
More informationMaking the Offer How to Draft a Letter of Intent
Making the Offer How to Draft a Letter of Intent To watch the corresponding video, Click Here! So you have now found a property that you like and you want to make an offer. This is where I see so many
More informationDialog on Jargon. Say, Prof, can we bother you for a few minutes to talk about thermo?
1 Dialog on Jargon Say, Prof, can we bother you for a few minutes to talk about thermo? Sure. I can always make time to talk about thermo. What's the problem? I'm not sure we have a specific problem it's
More informationProfitable Consulting Fees
Profitable Consulting Fees Brought to you by: ConsultingVideos.com Copyright (C) 2008 - ConsultingVideos.com Page 1(22) Calculate Hourly Consulting Fees - Method 1 - Copyright (C) 2008 - ConsultingVideos.com
More informationThe Online Marketing Made Easy Podcast with Amy Porterfield Session #123
The Online Marketing Made Easy Podcast with Amy Porterfield Session #123 Show notes at: http://www.amyporterfield.com/123 Amy Porterfield: Hey there, Amy Porterfield here. Welcome back to another episode
More informationFirst of all, I have my good friend, Rick Mulready, on the show today. He s back to talk about Facebook ads. Rick, how the heck are you?
EPISODE 123 How Much Money Should I Spend on Facebook Ads To be Successful on My Webinar? SEE THE SHOW NOTES AT: AMY PORTERFIELD: Hey there, Amy Porterfield here. Welcome back to another episode of The
More informationCOPYRIGHTED MATERIAL. getting started right. chapter 1
chapter 1 getting started right The individual who wants to reach the top in business must appreciate the might of the force of habit and must understand that practices are what create habits. He must
More informationWhat most people do when they're thinking building an online business is they're just thinking a website.
How to Build an Online Business What most people do when they're thinking building an online business is they're just thinking a website. You can't just think website anymore, it's more than that. But
More information26 AdWords Mistakes: How They Are Killing Your Profits (And How To Fix Them) Contents
Contents Mistake #1: Not Separating Search Network & Display Network Campaigns... 4 Mistake #2: Not Adding Negative Keywords... 5 Mistake #3: Adding Too Many Keywords Per Ad Group... 6 Mistake #4: Not
More informationSingle mother of two creates $96,026 positive cashflow
Single mother of two creates $96,026 positive cashflow Dymphna: The first of my students I m going to bring up and once again, I m trying to get a variety here of different types of stories, the first
More informationGETTING FREE TRAFFIC WHEN YOU HAVE NO TIME TO LOSE
GETTING FREE TRAFFIC WHEN YOU HAVE NO TIME TO LOSE Shawn, it's so great to have you here on this show. For people who are listening in today who haven't heard about you, I'll be surprise if some people
More informationRemote Property Flipping Podcast Introduction to Property Sourcing
Remote Property Flipping Podcast Introduction to Property Sourcing Hosted by: Joe McCall and Tom Wade Intro: This is the Remote Property Flipping podcast, with your hosts Joe McCall and Tom Wade, two of
More informationTEL EPISODE #025: The Entrepreneur Mind with Kevin D. Johnson Show Notes:
TEL EPISODE #025: The Entrepreneur Mind with Kevin D. Johnson Show Notes: http://www.theelpodcast.com/tel-025-the-entrepreneur-mind-kevin-d-johnson/ Welcome to The Entrepreneurs Library, the only book-centric
More informationEPISODE 10 How to Use Social Media to Sell (with Laura Roeder)
EPISODE 10 How to Use Social Media to Sell (with Laura Roeder) SEE THE SHOW NOTES AT: AMY PORTERFIELD: Hey there! Amy Porterfield here, and we are on episode #10. Why am I so excited about that? Well,
More informationA Conversation with Dr. Sandy Johnson Senior Vice President of Student Affairs Facilitated by Luke Auburn
A Conversation with Dr. Sandy Johnson Senior Vice President of Student Affairs Facilitated by Luke Auburn Luke Auburn: You're listening to the RIT Professional Development podcast series. I'm your host
More informationBreak Patterns (Free VIP Bonus Video) Hi, it s A.J. and welcome. This is a little special bonus video lesson for you because you are my special VIP member. And in this video I m going to follow up with
More information>> Or, Los Angeles, California where it doesn't go nearly as far.
[ Music ] >> The information in this podcast is provided for general informational and educational purposes only and is not a substitute for professional advice. Accordingly, before taking any action based
More informationAudio transcript Wish someone told me with Nat Locke Episode 2: Boom Fitness
Audio transcript Wish someone told me with Nat Locke Episode 2: Boom Fitness Male voice: Male voice: Male voice: The information contained in this podcast is of a general nature, and is not intended to
More informationTHE HOUSE FLIPPING HQ PODCAST Episode 2 - Doug Van Soest
All right, House Flipping Nation. Let's get this show on the road. I'm superpumped to introduce to you our first guest ever on the House Flipping HQ Podcast. He's a good friend, colleague, role model,
More informationGlenn Livingston, Ph.D. and Lisa Woodrum Demo
Glenn Livingston, Ph.D. and Lisa Woodrum Demo For more information on how to fix your food problem fast please visit www.fixyourfoodproblem.com Hey, this is the very good Dr. Glenn Livingston with Never
More informationTranscription Media File Name: Radio-Muckler-Visser.mp4 Media File ID: Media Duration: 10:54 Order Number: Date Ordered:
Transcription Media File Name: 030216-Radio-Muckler-Visser.mp4 Media File ID: 2461979 Media Duration: 10:54 Order Number: Date Ordered: 2016-03-31 Transcription by Speechpad www.speechpad.com Support questions:
More informationTrade-In Strategies: How to Get Thousands More for Your RV Than the Dealer Was Willing to Give You. Copyright 2006 Bill Smith. All Rights Reserved.
Trade-In Strategies: How to Get Thousands More for Your RV Than the Dealer Was Willing to Give You Copyright 2006 Bill Smith. All Rights Reserved. According to one industry source, a typical RVer will
More informationNFL Strength Coach of the Year talks Combine, Training, Advice for Young Strength Coaches
NFL Strength Coach of the Year talks Combine, Training, Advice for Young Strength Coaches Darren Krein joins Lee Burton to discuss his recent accolades, changes in the NFL Combine, his training philosophies
More informationGlencoe/McGraw-Hill Podcast Script
Glencoe/McGraw-Hill Podcast Script Title: Work Talk "Careers, Financial Planning, and Entrepreneurship" Date: 1/05/07 Version: First Draft Writer: Michael Byrne Section Topic Copy Notes 1 ANNOUNCER Welcome
More informationReviewing 2018 and Setting Incredible 2019 Goals You Will Actually Achieve
Reviewing 2018 and Setting Incredible 2019 Goals You Will Actually Achieve Hello and a really warm welcome to Episode 42 of the social media marketing Made Simple podcast. And I am your host Teresa Heath-Wareing.
More information2015 Farnoosh, Inc. 1 EPISODE 119 [ASK FARNOOSH] [00:00:33]
EPISODE 119 [ASK FARNOOSH] [00:00:33] FT: You're listening to So Money everyone. Welcome back. I'm your host Farnoosh Torabi. For all you mothers out there, happy Mother's Day! It's funny, I'm a mother
More informationIT S ALL IN YOUR HEAD
IT S ALL IN YOUR HEAD By Jennie Brown Hi, it's Jennie here again, and welcome to this module, which is entitled It's All in Your Head. Now, the reason why we're dealing with what's in your head, first
More informationTranscript of the podcasted interview: How to negotiate with your boss by W.P. Carey School of Business
Transcript of the podcasted interview: How to negotiate with your boss by W.P. Carey School of Business Knowledge: One of the most difficult tasks for a worker is negotiating with a boss. Whether it's
More informationMike Ferry North America s Leading Real Estate Coaching and Training Company TRIGGER CARDS
Mike Ferry www.mikeferry.com North America s Leading Real Estate Coaching and Training Company TRIGGER CARDS Script cards to take you through the many stages of effective Real Estate sales. These are prepared
More informationOur home buyers guide. Making it easier for you to buy a home you ll love
Our home buyers guide Making it easier for you to buy a home you ll love 1 Introduction / Our home buyers guide Buying your new home Buying a house is a big step, whether you ve done it before or you
More informationIs Your Director of First Impressions Hurting Your Business?
Episode 66 Is Your Director of First Impressions Hurting Your Business? Full Episode Transcription Have you joined yet? The Business Made Easy Facebook Business Community www.businessmadeeasypodcast.com/community
More informationMarlon National Deal #1
Marlon National Deal #1 Call Marlon and William Call 1 Length 11 min Hey. Hey, man. Yeah. We can call him back in a little while. Let's move on and see who else we got or we're gonna call today. You want
More information