Love Where You Bank Podcast

Ben Kjar, a three-time Utah high school state wrestling champion, shares his remarkable journey of overcoming Cruzon syndrome and achieving success in wrestling, adoption, and IVF. He emphasizes the importance of choosing passion over convenience, disobeying average, and achieving self-mastery. His story is a testament to the power of perseverance, self-belief, and the pursuit of excellence.

Takeaways

• Passion over convenience
• Disobeying average and self-mastery

Chapters

• 00:00 Ben Kjar's Story
• 06:00 Ben's Journey of Adoption and IVF
• 19:45 Choosing Passion Over Convenience
• 31:03 Defying Average and Self-Mastery

Join us as we explore the inspiring journey of Justin Olson, CEO of UCCU, and discover how their community-focused approach is transforming banking. Learn valuable tips on financial health, community impact, and the importance of loving where you bank. Welcome to the first epsidoe of the 'Love Where You Bank' podcast!

Jeremiah Jensen of KSL Sports sits down with Utah star Walker Kessler to discuss his third year of living and experiencing the state of Utah.

A sit down conversation with Creg and Rachel regarding security information that can help keep you and your loved ones safe from financial fraud or online cyber attacks.

Jeremiah Jensen of KSL Sports sits down with Utah star Walker Kessler to discuss his upbringing and experience living in Utah and playing for the Jazz organization.

Buying a home involves a lot of different parties and groups of people. With you as the buyer, the banks/credit unions as the lenders, real estate agencies, and property management teams, it can be difficult to navigate the waters and how they all are connected to each other. In this podcast, we have brought together each of these groups to discuss the market, and what it's like to buy in this world today.

With housing prices at historic rates along with increased federal rates, many are viewing the market similar to the 2008 during the Great Recession. However, McKelle goes into the details showing the differences between the recession we experienced 15 years ago and the financial turbulence we are currently experiencing today. The main questions she covers are

• What rates are considered good when buying a house?
• When will housing prices bottom out?
• What signs show us that today really is a good time to buy a home?

Later, we hear Jeff talk about Cross Collateralization, an innovative financial and lending concept where one loan or line of credit is used to secure, support, and attain new line of credit, typically in the form of a new mortgage or home. This can be a valuable tool for those who find it difficult to secure a large enough down payment for the desired loan.

Finally, we hear from Tyler who speaks primarily about renting properties. The main points he focuses on include:

• The current renting world including common rules and regulations.
• Management of your property
• What the future holds for renters specifically in the state of Utah.

The best time to plant a tree was 20 years ago, the second best time to plant a tree is now. The same is true about the housing market. We have entered into a new world of housing and real estate, especially in the state of Utah where interest rates are at a 20 year high and housing prices are at an all-time high. While rates will continue to fluctuate based on federal regulation, the price of homes are expected to continue to appreciate. Regardless of when you get into the housing market, you will always have the option to refinance your home and achieve the lower interest rate you may have missed when purchasing your home.