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Rise And Fall

Looking for an investment that can make you feel proud? Yes, Real Estate is definitely such a deal. But bigger the investment, bigger the risk. How do you find what mortgage suits the best if you are just making the first purchase for yourself?

We are happy to help you! Astra Mortgage is a mortgage...

Before pre-approving your mortgage, a lender will look at your current assets like what do you own, your income and your current level of debt.
You’ll need to provide your lender or mortgage broker with your identification number, proof of employment, proof or assurance that you can pay for the down payment and closing cost, information about your additional assets, such as a car, cottage or anything that may help you get a mortgage.
Lender will discuss and would like you to share information about your debts or financial obligations, your future plans and your career goals.
For proof of employment, your lender or mortgage broker may ask you to provide:

  proof of current salary or hourly pay rate (for example, a current pay stub and a letter from your employer)


  your position and length of time with the organisation


  Notices of Assessment from the Canada Revenue Agency for the past two years, if you're self-employed



For proof you can pay the down payment, your lender or mortgage broker may ask you to provide recent financial statements from bank accounts or investments.
Your debts or financial obligations may include:

  credit card balances and limits, including those on store credit cards


  child or spousal support amounts


  car loans or leases


  lines of credit


  student loans


  other loans



Astra mortgage is one of the finest mortgage brokers in British Canada covering the entire area of Greater Vancouver Region. Visit us as astramortgage.com or find us on Facebook or Instagram and write a message to us. We look forward to help you reach your dream home.
If you are serious about purchasing a home in Canada, feel free to connect with us for a free consultation by just typing ‘Free Consultation’ on our Facebook Chat or visit our website at astramortgage.com

--- 

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#4 What do you need to provide to the mortgage lenders for pre-approved mortgage? All you need to know about the documents.

It is one of the most common questions by the first home buyers. Where to get a mortgage from? or how to apply for a mortgage? This post will help you understand the major mortgage providers out there.
Mortgages are available from several types of lenders, such as:

 banks


 mortgage companies


  insurance companies


  trust companies


  loan companies


  credit unions



Different lenders may have different interest rates and conditions for similar products. Talk to several lenders to make sure you’re getting the best mortgage product for your needs.
Although you may decide to switch lenders later, it’s important to be comfortable with the lender and the mortgage options they offer you right from the start. If you switch lenders after signing your mortgage contract, your lender may charge you a prepayment penalty. Make sure you understand the terms and conditions of your mortgage contract.
You can also consult a mortgage broker. Mortgage brokers don’t lend money directly to you. Mortgage brokers arrange transactions by finding a lender for you.
Some lenders only offer their products directly to borrowers, while some mortgage products are only available through brokers. Since brokers have access to a number of lenders, they may give you a wider range of mortgage products and terms to choose from.
Mortgage brokers don’t all have access to the same lenders. This means the available mortgages vary from broker to broker. When you’re considering a mortgage broker, ask which lenders they deal with. This also helps you establish trust in the mortgage.
Mortgage brokers generally don’t charge fees for their services. Instead, they usually receive a commission from the lender when they arrange a transaction.
Astra mortgage is one of the finest mortgage brokers in British Canada covering the entire area of Greater Vancouver Region. Visit us as astramortgage.com or find us on Facebook or Instagram and write a message to us. We look forward to help you reach your dream home.


If you are serious about purchasing a home in Canada, feel free to connect with us for a free consultation by just typing ‘Free Consultation’ on our Facebook Chat or visit our website at astramortgage.com

--- 

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#3 How to apply for a mortgage?

Canada is one of the most welcoming countries on the planet with a great lifestyle and numerous opportunities for career and wellbeing. If you are already here, you might be interested in buying a house in Canada, here are some tips for you.

Just a quick note before the tips, you can connect with us directly on Facebook chat or the link in the description for details.
Tip #1

Compare how much you currently spend on expenses and debt payments with the amount you have saved or invested. This will help you identify, how much money would you be spending on these expenses for a long period. Keep in mind, if you invest in shares or bonds or likewise, the returns may vary according to the market situation.
Tip #2

Figure out how much can you afford to spend on housing each month without risking your financial health? In order to own a house, you may want to buy a mortgage and depending on your current income sources you will have a recurring sum of money to repay your mortgage. This should not risk your further goals keeping in account your health, any untoward conditions and your savings.
Tip #3

Find how much do you pay for the down payment. Generally, you need to pay about 5% of the total mortgage value of the house you want to purchase. This depends on the amount you are willing to pay as a down payment and your historical credit score.
Tip #4

Recalculate how much would you be spending each month with homeownership expenses added to your current financial situation. Calculate the sum you would have to pay if the mortgage is approved and the monthly instalments add up to your current financial situation. Your banks or lenders will consider this before they approve the mortgage. Thus, it is better to prepare for this before you even apply for a mortgage.
Tip #5

Understand what is your credit score. Credit score is simply a standard that shows your ability to consistently pay the bills and debts with a copy of your credit report.  This turns out to be a crucial criteria for your home ownership plans.


Tip #6:

Last but not the least. Understand what are the upfront costs that you might need to pay apart from the instalments for your mortgage. That is

 home inspection and appraisal fees


 insurance costs


  land registration fees


  prepaid property taxes or utility bills (the buyer reimburses the seller or builder)


  legal or notary fees


  potential repairs or renovations


  moving costs


  GST/HST/QST on a newly built house or mortgage loan insurance



If you are serious about purchasing a home in Canada, feel free to connect with us for a free consultation by just typing ‘Free Consultation’ on our Facebook Chat or visit our website at astramortgage.com

--- 

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#2 A guide to own a home in Canada | The Mortgage Podcast

What is the eligibility criteria for a mortgage in Canada?
It is very important to understand that the mortgages are primarily designed to help homebuyers make it easier to own their new house. We like to keep it short.  mortgages can help you finance your home provided you repay the same with a standard rate of interest over a predetermined period of time.
We have listed down a few things that can be considered as a criteria for a mortgage.



Before we proceed, let us inform you that in the modern scenario, homebuyers prefer to consult a mortgage broker over a bank because an accredited mortgage broker helps to review mortgage options from several banks at once. Thus different banks may have different criteria,   this is what you need to know.
#1 Nationality

If you are Canadian, or if you have been a resident in Canada for some time, banks will review your Canadian credit history to determine whether they will lend to you the sum for your new house. If you have no credit history, build one by taking small loans from your bank and making payments on time. Get a credit card and use it responsibly. This will build records for your credit history.





#2 Income / Source of Income

You will also need a cash deposit for the home you wish to buy and a job or some source of income. Precisely, the banks or the lenders want to be sure that you have the capability to repay the money let to you for a house.





#3 Migrant History

If you are a newcomer to Canada, it is possible to get a mortgage based on your overseas history. In this case, you will need enough money to fund at least 35 percent of the house purchase yourself. In other terms, you need to own at least 35% of equity. If you already have a job offer in Canada, you will be able to proceed with even lesser deposit.
#4 Your plans
Of course, this is needless to say that your plans for the future of your mortgage matter. If you want to rent the place you own or even make a move to another location you might want to discuss this with your mortgage broker  first.
#5 Affordability

There are 2 affordability rules that determine how much you can spend on housing without risking your financial situation as a new homeowner:

 your monthly housing costs should be at or under 39% of your gross monthly income


 your monthly debt load (including your mortgage) should be at or under 44% of your gross monthly income.



You can explore your budget options with our mortgage calculator visit our website astramortgage.com or write mortgage calculator in our Facebook Chat, we will share the link with you.

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#1 Eligibility criteria for a mortgage in Canada | The Mortgage Podcast

Astra Mortgage

Did you know that standard fundamentals and economics explain only roughly 50% of price fluctuations? It’s more than what you see on TV. 

The Critical Point podcast knows the other half of the story. Critical Point provides investors and businesses with model-based signals based on market and econo...

News

Month to month PCE inflation as of Apr was within a long-term range. Normal.
Annualized eroded a bit and in line with Wall Street pollsters.
What is coming down the road for US inflation? Watch the video.
What of the reaction by the stock and bond markets? Become a subscriber. Get on board for the Raving/Roaring 2020s.
To subscribe: Critical Point Podcast
$27.99 per month recurring. Billing begins two weeks from signup (a form of 2-week free trial). Cancel anytime.Primary focus on the US stock market and the major grains. Short-term to super-long-term forecasts from the business cycle model, including signals.Additional model-based opinion/signals include global stock market indexes, interest rates, dollar, bitcoin, gold, oil, the boom/bust cycle of the economy, and the cyclical climate events that can cause crop problems.
For information, education, explanation see criticalpointpod.com.
Email: rich@ag-financial.com
Twitter @criticalpointp1

Inflation Model Update- May 31

PCE inflation update May 31, 2024 07:54

The world is running hot and dry or hot and wet. Hot, hot, hot- temps.Seasonal demand returns to grains. Get on board for model output of available supply and demand. The business cycle of grain.
To subscribe: Critical Point Podcast
$27.99 per month recurring. Billing begins two weeks from signup (a form of 2-week free trial). Cancel anytime.Primary focus on the US stock market and the major grains. Short-term to super-long-term forecasts from the business cycle model, including signals.Additional model-based opinion/signals include global stock market indexes, interest rates, dollar, bitcoin, gold, oil, the boom/bust cycle of the economy, and the cyclical climate events that can cause crop problems.
For information, education, explanation see criticalpointpod.com.
Email: rich@ag-financial.com
Twitter @criticalpointp1

Weekly Update- Grains May 23

Bear markets into 2025 for commodity indexes but some markets can rally a sizable amount summer 2024.
Sugar, coffee, cocoa are likely in bear markets. Will cotton rebound this summer?
To subscribe: Critical Point Podcast
$27.99 per month recurring. Billing begins two weeks from signup (a form of 2-week free trial). Cancel anytime.Primary focus on the US stock market and the major grains. Short-term to super-long-term forecasts from the business cycle model, including signals.Additional model-based opinion/signals include global stock market indexes, interest rates, dollar, bitcoin, gold, oil, the boom/bust cycle of the economy, and the cyclical climate events that can cause crop problems.
For information, education, explanation see criticalpointpod.com.
Email: rich@ag-financial.com
Twitter @criticalpointp1

Weekly Update- Soft May 20 sugar, coffee, cocoa, cotton

To subscribe: Critical Point Podcast
$27.99 per month recurring. Billing begins two weeks from signup (a form of 2-week free trial). Cancel anytime.Primary focus on the US stock market and the major grains. Short-term to super-long-term forecasts from the business cycle model, including signals.Additional model-based opinion/signals include global stock market indexes, interest rates, dollar, bitcoin, gold, oil, the boom/bust cycle of the economy, and the cyclical climate events that can cause crop problems.
For information, education, explanation see criticalpointpod.com.
Email: rich@ag-financial.com
Twitter @criticalpointp1

Weekly Update- Softs May 13 sugar, coffee, cocoa, cotton

The Critical Point Podcast

¿Qué son los CETES? Guía para quien quiere comenzar a invertir

Unos datos sobre canadá y mi opinión personal.

Canada

CETES para inversionistas nuevos

Let's Talk a Practical guide that takes you through the Crypto investing space, including Bitcoin, Ethereum, Alt Coins, and NFT's. It's a comprehensive guided tour telling all you want to know about Crypto. We share our in-dept knowledg digital assets and give insider secrets for investing.
 
Packed...

This episode is packed filled with all the information that happened in this past month's Expert takes on where the markets are going. We take a deep dive into the crypto space and go where no other team has dared go to bring in the information that you need to make wiser decisions and keep your family ahead of this crypto game. I'm more proud of the work done here.. You will feel the grit and real passion that went into crafting it. We are getting sharper in our analysis we're getting more in tune with you our audience and we know exactly what nuggets of real information to bring you so that you can be much stronger investors for it, this episode shows how Raw we can really get... 

We loved bringing this episode's insights to you we enjoyed every moment of it and we are so enthusiastic to see what you think of it enjoy because this is the crypto revolution and we are all part of it. T

--- 

Send in a voice message: https://podcasters.spotify.com/pod/show/terrance-hoddle/message

Crypto Freedom is not free, You have to fight for it Don’t let them pull the wool over your eyes…

This episode finds Its voice and is chock full of impactful podcast information that you can use. it pulls no punches, we give you the full Dynamic layout of what we are doing with our portfolio. What some of the smarter Whales in the crypto spaces are doing and give info on how to move forward. Crypto sometimes is a blood sport, right now it is investing your own assets that you secure and take custody of and you need the right information to make your own decisions, we're honored that you take the time to listen to our podcast and give us a seat at your war room table. We can work together for the win for you and your family.  I can honestly say that crypto has changed many of the people's lives at this company but also the lives of many people that listen to this podcast. Moving forward if you just do consistent actions and make the decisions that you deem right I can say wholeheartedly it will be a successful one you will learn and you would have taken action. 

All the wins that you get in crypto are not necessarily all for you some of those wins are for you to help other people gain wins as well, please remember that…. T

--- 

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The Win is in the inches in Cryto Plays, not in the long shot flyers…



This episode is chock full of Bank closers and early adopter's stories and guys who want to fuel the next crypto Gold Rush by selling the picks and shovels.  To say that you're in the right place at the right time would be an absolute understatement.  The fact is the majority of people don't even see the opportunity standing right in front of them right even though the opportunity is waving red flags got a reflective vest on and is beckoning them to come to safety and get themselves a crypto portfolio. It seems people are blinded and don’t see that all the Millionaires and billionaires the people who have the most amount of money are taking their money out of these banks in droves and moving to crypto-based Solutions.  This episode touches on all these things and a little bit more but gives you a solution not just highlights the problem. We help you dig deep into the information to go after big problems.  We need you guys to be better, faster, and move so that you can be successful in the coming Bull Run.
I love that you are here with us, now let’s make it worth your time and attention Cheers ….. T





--- 

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New Freedoms Means New Devils and Ways for Them to Keep Their Eyes on Your Money …

This episode has been a labor of love realistic and raw filled with all the information poured out for you. Laid bare at your feet for your perusal and for your absorption you can pick up and take away what you will and leaving us empty for all the information is exactly what we would give to our family our friends our lineage so that they can use these same tools to make a huge impact in the crypto space come 2023. We have wanted to do this for years and now have the opportunity to do it for you here in this podcast. We truly believe that in years to come from now we will be looking back at this podcast as the turning point, where people started to invest in crypto a different way and became more successful using basic tools, and rather than hearing the noise we start listening to the true signal which has always been our message here at let's start crypto 
Love, light, and strength for a prosperous future …. T

--- 

Send in a voice message: https://anchor.fm/terrance-hoddle/message

The History is guiding our steps now, and for our coming future. Those who embrace it will win here in 2023..

This episode is filled with tools and views that you can use to better prepare yourself for 2023 it is chock-filled with practical knowledge on the markets what's happening with the economy and what you can look to do to have the highest impact with your investment dollars. We touch on recent news and we even look at what the AI and Robotics Markets are doing to the economy, and how you can better prepare yourself for the coming storm that is this coming New World. Big money is here folks as we know what they want, you hard-won Crypto but how they are manipulating the markets to make sure that the smaller investor stays out so that they can have a blue ocean of Investments to buy up all the Bitcoin we touch on that and much more in this episode it is a pleasure to bring it to you and we're glad to see our whole family's and many new faces here for 2023 and coming out into the numbers to support us.
This episode is our gift to you thank you.. T

--- 

Send in a voice message: https://podcasters.spotify.com/pod/show/terrance-hoddle/message

Giants Walk Among Us and with tools like Chat GPT, we can catch them.. Here are our thoughts on what AI will do for the upcoming markets.

Let's Talk Crypto

GB’s podcasts are short and sharp educational broadcasts looking at market trivia, stats, specs, opinions and experience trading the markets. In the latest series, we look at one market at a time.

In this podcast/video we take a look at the coffee market.We’ll talk about some crazy action in the market lately – something that has brought as lot of interest from traders.  We look at coffee futures contract. Then we consider a few different ways to go about trading it. So, we’ll cover the WHY, WHAT, and HOW of the coffee market.Video ReferencesFor the video version and references we make in this podcast, please visit:https://bowerpost.com/2021/10/06/trading-coffee-futures/Direc...

Trading Coffee Futures

References:https://t.me/spreadtradarbot Telegram Spread and Scalp Chat Paid Group. www.MasterClassTrader.com/specials - Current discounts for coursework on Order Flow and Spreading. - The new ‘micro’ crude oil contract was listed this week on the CME. So far so good it seems. About MicrosThe micro is not a different style of futures contract from other futures. It simply refers to the contract size. They are smaller. The upside is smaller, downside is smaller, and comms ar...

New Micro Crude Oil is Big News

In this podcast, I talk about my experiences with data releases, from my early days collecting data for publishing to a few trading ideas for data days. Interesting stuff.  ------------------------------------------------------------- To learn more about order flower and spread trading, grab a nice little discount here:https://masterclasstrader.com/specialsFollow me on TradingView and get a discount on a paid plan: https://tinyurl.com/tradarienTVGet cool Tradarien Trading Merch...

What You Didn't Know About Data Releases

This one is for all our DOM MasterClass Students and others interested in the interest rate markets. The CME have just announced a series of new rate contracts. The new contacts are quoted in yield, not the usual price format. That alone is interesting and takes a small complexity out of the trading process. And hot of off the heels of heels of the popular micro equity contracts, these ones will also be micro sized.There are 2yr, 5yr, 10yr and 30yr contract each with a $1 tick size, being 1/1...

New Micro Treasury Yield Futures - Get In There!

One of the biggest and most common mistakes retail traders make is they look at one market in isolation. Or worse – when they look at more than one market, they ignore how these markets can work together. Today we will talk about adding a couple of new things to your watchlist to help you start seeing relationships. Is it easy? Nope, but is it hard? No I don’t think so, but it’s worth it. Ultra futures – we’ll talk about them. It should be a short podcast, but an interesting one if ...

What are Ultra Futures?

Trading with GB

Investing and Entrepreneurial insights for Millennials. We cover personal finance, investing, and tips for starting and growing your own business.

For advertising and interview inquiries email with subject line "Checks and Balances" - checksandbalancespodcast@gmail.com

On this episode of Checks and Balances, we are speaking with Brian Nethercutt. Brian is an investment strategist and is giving insight on his tips and tricks on his strategy. 

Brian Nethercutt- Investment Strategy

On this episode of the Checks and Balances Podcast we give you a well known and trending topic : Inflation. 

Inflation

Cliff Godwin, Head East Carolina Baseball Coach and and former player discusses how being an athlete prepares you for business. This local legend talks to us about his career and the connection between sports, leadership, and business. 

Cliff Godwin - Sports and Business

On this episode of the Checks and Balances Podcast we give you a market update for the week of November 8, covering all the latest economic news and indicators along with what to look for in the coming week.

Market Update for the week of November 8th

Taylor Hicks, the owner of Simple and Sentimental tells us how she took her hobby in the dorms and turned it into a wildly successful business with production space, 18 employees and over 18,000 sales to date!

Taylor Hicks - Runaway Success

Checks and Balances

Простые и откровенные разговоры топ-менеджеров о происходящем на финансовых рынках: новости, тренды, жизненный и личный опыт инвестирования. Ведёт подкаст Андрей Шеметов, старший вице-президент СберБанка.

В эпизоде: хотите знать, что покупать на падающих рынках и как найти баланс между риском и доходностью? Тогда аналитика на пальцах и топовые новости инвестора в аналитическом видеоподкасте «Рынки Доходчиво» – это то, что вам нужно!

Аналитический подкаст «Рынки Доходчиво». Февраль

В эпизоде: куда инвестировать в уходящем году и как омикрон повлиял на рынок; обзор бумаг в портфеле клиентов СберБанка и многое другое.

Аналитический подкаст «Рынки Доходчиво». Декабрь

В эпизоде: обзор бумаг в портфеле клиентов СберБанка; в какой отрасли будет наблюдаться спрос; какие сложности принесла новая политика конфиденциальности от Apple и много другое.

Аналитический подкаст «Рынки Доходчиво». Ноябрь

Борис Шерайзин – Руководитель трейдинга SberCIB. В эпизоде: как управлять крупнейшим Trading floor в России; какие качества нужны, чтобы стать трейдером; в чём разница между управляющим инвестором и трейдером. Ну и конечно же, не обойдется без советов для начинающих инвесторов.

«Что такое профессиональный трейдинг?». В гостях Борис Шерайзин

Оливер Хьюз – СЕО Tinkoff Group. В эпизоде: финансовый рынок в России и Европе; опасность криптовалюты; частные инвесторы сегодня и завтра; полезные советы для новичков в инвестициях.

«Частные инвесторы». В гостях Оливер Хьюз

Главный Инвестор

25歳からの資産構築法人から好かれて投資で月収100万円だんだん膨れ上がり１年後には年収１０００万も夢ではない！たった２ヶ月で人生を変えた女性起業家【塚本まよ】と波乱万丈な生活を送ってきた方達をゲストにざっくばらんに投資への第一歩をお伝えしていきます。初心者の方には投資の基礎知識から収入にしていくSTEP動画をプレゼントさせていただきます！さらにLINE＠ではポッドキャストでは伝えれない秘密の稼ぎ方まで公開している。→ https://goo.gl/Ss9E7vもしくはLINE ID検索 【＠maayon】

25歳からの資産構築法

人から好かれて投資で月収100万円
だんだん膨れ上がり
１年後には年収１０００万も夢ではない！

たった２ヶ月で人生を変えた女性起業家【塚本まよ】と
波乱万丈な生活を送ってきた方達をゲストに

ざっくばらんに投資への第一歩をお伝えしていきます。

初心者の方には投資の基礎知識から
収入にしていくSTEP動画をプレゼントさせていただきます！

さらにLINE＠では
ポッドキャストでは伝えれない秘密の稼ぎ方まで
公開している。

→ https://goo.gl/Ss9E7v

もしくはLINE ID検索 【＠maayon】



●第7回塚本まよの資産構築方.mp3




第7回 FX投資家講師 東京に出て来たら稼げる

25歳からの資産構築法

人から好かれて投資で月収100万円
だんだん膨れ上がり
１年後には年収１０００万も夢ではない！

たった２ヶ月で人生を変えた女性起業家【塚本まよ】と
波乱万丈な生活を送ってきた方達をゲストに

ざっくばらんに投資への第一歩をお伝えしていきます。

初心者の方には投資の基礎知識から
収入にしていくSTEP動画をプレゼントさせていただきます！

さらにLINE＠では
ポッドキャストでは伝えれない秘密の稼ぎ方まで
公開している。

→ https://goo.gl/Ss9E7v

もしくはLINE ID検索 【＠maayon】




●第6回 塚本まよの資産構築法.mp3

第6回 投資家になるには初めの３ヶ月で世界が変わる

25歳からの資産構築法

人から好かれて投資で月収100万円
だんだん膨れ上がり
１年後には年収１０００万も夢ではない！

たった２ヶ月で人生を変えた女性起業家【塚本まよ】と
波乱万丈な生活を送ってきた方達をゲストに

ざっくばらんに投資への第一歩をお伝えしていきます。

初心者の方には投資の基礎知識から
収入にしていくSTEP動画をプレゼントさせていただきます！

さらにLINE＠では
ポッドキャストでは伝えれない秘密の稼ぎ方まで
公開している。

→ https://goo.gl/Ss9E7v

もしくはLINE ID検索 【＠maayon】



●第5回 塚本まよの資産構築法.mp3

第5回 投資をする上でメンタルやられた時の対処法

塚本真世の資産構築法　会社が倒産しても一生稼ぎ続けるスキル 人から好かれて投資で月収１００万円

Un podcast donde hablaremos sobre esta criptomoneda

Un podcast hablando sobre la criptomoneda bitcoin.

Acerca de los bitcoins 

O programa Saúde Financeira para a Paz, originalmente transmitido pela Rádio Nova Cajazeiras FM 87.9, irá trazer temas relacionados ao mundo das emoções e o mundo das finanças. Apresentado pela educadora financeira comportamental, Meire Cardeal, a Doutora Finanças, o programa conta com um episódio n...

No episódio de hoje do podcast Saúde Financeira Para a Paz, a Doutora Finanças explica para você o que é Saúde Financeira e dá dois passos para você começar a conquistá-la. Ouça agora!

O que é a saúde financeira e como conquistar?

No episódio de hoje do podcast Saúde Financeira Para a Paz, a Doutora Finanças dá 6 dicas para enfretarmos esse momento de caos mundial que estamos passando. Ouça já!

Como viver num mundo em pandemia?

No episódio de hoje do podcast Saúde Financeira Para a Paz, a Doutora Finanças dá dicas e fala sobre orçamento financeiro. Esse é um episódio especial que foi transmitido pela Rádio Cultura 1140 AM.

Orçamento financeiro

No episódio de hoje do podcast Saúde Financeira Para a Paz, a Doutora Finanças fala sobre aprender, rever e analisar a sua vida financeira para saber o que fazer com o dinheiro que você recebe. Ouça agora!

Como lidar com o dinheiro em meio a crise

No episódio de hoje do podcast Saúde Financeira Para a Paz, a Doutora Finanças trás algumas reflexões sobre dois assuntos: o Dia do Trabalho e o uso da sua criatividade no processo de transformação do momento atual. Ouça agora!

O Dia do Trabalho e a sua criatividade

Saúde Financeira Para a Paz

Kalu Baurir Rabindra Jayanti

Arindam

Ich bin Björn Schehr, Immobilien- und Baufinanzierer aus Schleswig Holstein sowie Hamburg und ich spreche mit Geschäftspartnern, Kunden und spannenden Gästen über die Themen Baufinanzierungen, Immobilien und Investments. Wir besprechen die Marktlage, die Strategien und was es bedeutet Eigenheim zu b...

Courses

In der neuesten und letzten Episode zum Thema Verfügungen und Vollmachten unseres Podcasts "Wohnen und Investieren" mit Björn steht ein besonderer Gast im Mittelpunkt: Steffen Moser, ein Familienbeschützer, der sich darauf spezialisiert hat, Familien bei Fragen zu Vorsorgevollmachten und Verfügungen zu unterstützen. Steffen eröffnet die Folge mit seiner bewegenden persönlichen Geschichte, die verdeutlicht, warum er sich für diese Aufgabe entschieden hat. Er schildert eindringlich, wie er selbst erleben musste, welche Herausforderungen und Schwierigkeiten entstehen können, wenn keine rechtlichen Vorsorgemaßnahmen getroffen wurden, insbesondere in Notfällen oder bei schwerwiegenden gesundheitlichen Problemen - selbst als Ehepartner.
Im Gespräch mit Björn geht Steffen darauf ein, warum es vielen Menschen schwerfällt, sich mit diesem Thema auseinanderzusetzen. Die Konfrontation mit der eigenen Verletzlichkeit und die Klärung unangenehmer Fragen, vor allem im Zusammenhang mit Patientenverfügungen, stellen oft eine große Hürde dar. Trotzdem betonen beide die unabdingbare Wichtigkeit dieser Dokumente, um in Krisensituationen rechtlich abgesichert zu sein. Insbesondere die Vorsorgevollmacht, die Patientenverfügung und die Sorgerechtsverfügung sind hier von entscheidender Bedeutung.
Ein weiteres Thema, das Björn und Steffen besprechen, ist die Auswahl der Bevollmächtigten. Sie erläutern, warum es ratsam ist, mehrere Personen zu bevollmächtigen und diese nicht nur nebeneinander, sondern in unterschiedlichen Rängen zu benennen. Dies gilt insbesondere für die Sorgerechtsverfügung, aber auch für Unternehmer, die eine Unternehmervollmacht benötigen. Steffen verdeutlicht dies anhand eines Beispiels aus seiner eigenen Erfahrung, wie ein Unternehmen in eine Krise geraten kann, wenn der Geschäftsführer unerwartet ausfällt und keine klaren Regelungen getroffen wurden.
Zum Schluss appellieren Björn und Steffen eindringlich an alle Zuhörer, sich nicht auf vorgefertigte Formulare aus dem Internet zu verlassen, da diese im Ernstfall oft keine rechtliche Gültigkeit haben. Steffen berichtet von einem aktuellen Fall, in dem eine Kundin trotz vermeintlicher aus dem Internet geladener Vorsorgevollmacht große Schwierigkeiten hat, das gemeinsame Haus zu verkaufen, in dem sie mit ihrem demenzkranken Ehemann lebt. Dies unterstreicht noch einmal die Dringlichkeit und Wichtigkeit, der richtigen, rechtskräftigen Formulare und vor allem sich frühzeitig um Vollmachten und Verfügungen zu kümmern, idealerweise solange alle Beteiligten gesund sind.

Hast Du Fragen, melde Dich hier:
https://www.etermin.net/bjoern

Hier geht es zu unserem Youtube-Kanal:
https://www.youtube.com/channel/UCqSJ6-8aPUjC8m9MJTJ7Hog

Hier geht es zu unserer Instagram-Seite:
https://www.instagram.com/finanzhavn/

Hier geht es zu unserer Webseite:
https://finanzhavn.de

Der wohl wichtigste Schritt für deine Zukunft

In dieser Podcast Folge "Wohnen und Investieren" mit Björn dreht sich alles um das Thema Immobilien als Kapitalanlage. Björn präsentiert fundierte Zahlen, Daten und Fakten zu diesem Thema und führt die Zuhörer auf eine spannende Reise, bei der zwei Kunden ihre Entscheidung für eine Immobilienkapitalanlage treffen, aus völlig unterschiedlichen Motiven, aber mit dem gleichen Ergebnis. 

In der Podcastfolge wird beleuchtet, warum der Zinssatz bei der Finanzierung nicht das ausschlaggebende Argument für den Immobilienkauf ist, sondern lediglich eine Variable in der Wirtschaftlichkeitsrechnung. Weiterhin wird erläutert, warum es von Vorteil ist, wenn der Verkäufer auch für die Sondereigentumsverwaltung zuständig ist, sowie warum es vorteilhaft sein kann, wenn der Makler auch die Baufinanzierung und Versicherungen mit dem Kunden regelt.

Ein weiterer Schwerpunkt des Podcasts liegt darauf, wie man mit einer Immobilie als Turbo für die Altersvorsorge vorsorgen kann, insbesondere für diejenigen, die neben der gesetzlichen Rente nie zusätzlich vorgesorgt haben, und sogar ohne Eigenkapital. Ein besonderes Highlight ist, dass die Erträge aus dem Verkauf einer Immobilie nach zehn Jahren im Vergleich zu fast allen anderen Anlagemöglichkeiten steuerfrei sind.

Man kann sagen, dass trotz einer kurzen Stagnation vor etwa anderthalb Jahren, sich Immobilien als Kapitalanlage wieder voll im Aufwind befinden .

Insgesamt bietet der Podcast wertvolle Einblicke und Informationen für alle, die sich für Immobilien als Kapitalanlage interessieren und ihre finanzielle Zukunft strategisch gestalten möchten.

Viel Spaß beim zuhören!

Hast Du Fragen, melde Dich hier:
https://www.etermin.net/bjoern

Hier geht es zu unserem Youtube-Kanal:
https://www.youtube.com/channel/UCqSJ6-8aPUjC8m9MJTJ7Hog

Hier geht es zu unserer Instagram-Seite:
https://www.instagram.com/finanzhavn/

Hier geht es zu unserer Webseite:
https://finanzhavn.de

Warum Immobilieninvestitionen wieder im Trend sind: Zahlen, Daten, Fakten

In der neuesten Podcastfolge "Wohnen und Investieren" setzt Björn das Thema Vorsorgevollmachten und Verfügungen fort, mit praxisnahen Beispielen aus dem Leben. Er beleuchtet, was passiert, wenn Unvorhergesehenes eintritt, sei es im Urlaub oder im Krankenhaus, und die Bedeutung von Vollmachten in solchen Situationen.

Björn unterstreicht die dringende Notwendigkeit, sich jetzt um eine Vorsorgevollmacht und eine Patientenverfügung zu kümmern, da dies jeden betrifft. Besonders betont er die Ohnmacht der Ehepartner, die ohne Vollmachten in schwierigen Situationen oft vor unüberwindbaren Hindernissen stehen. Er zeigt auf, welche Folgen es haben kann, wenn man diese wichtigen Dokumente nicht besitzt, insbesondere in Bezug auf Vermögen, Immobilien und die Rolle des Ehepartners. 

Fazit: Streicht das Thema von der Bucket Liste und geht es an!

Hast Du Fragen, melde Dich hier:
https://www.etermin.net/bjoern

Hier geht es zu unserem Youtube-Kanal:
https://www.youtube.com/channel/UCqSJ6-8aPUjC8m9MJTJ7Hog

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https://www.instagram.com/finanzhavn/

Hier geht es zu unserer Webseite:
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Die Macht der Vollmacht und die Ohnmacht der Ehepartner

In der aktuellen Folge des Podcasts "Wohnen und Investieren - Dein Immobilien Finanzierungspodcast mit Björn Schehr" steht das Thema Vorsorge im Mittelpunkt. Björn betont, dass während Investment und Vermögensaufbau zwar elementar wichtig für die Altersvorsorge und die eigene Zukunft sind, die Vorsorge hingegen unumgänglich ist und vor allem JEDEN betrifft.
Er erklärt, dass der Sterbeprozess oft mit Pflege und Entscheidungsunfähigkeit einhergeht und dass auch nach dem Tod wichtige Entscheidungen getroffen werden müssen, wie die Bestattung oder die Betreuung von Haustieren.
Während die drei Verfügungen: Trauerverfügung, Groß-Haustierverfügung und Sorgerechtsverfügung zwar wichtig, aber optional sind, gibt es jedoch eine Vollmacht und eine Verfügung die ausnahmslos jede*r Volljährige haben sollte! 
**Die Vorsorgevollmacht und die Patientenverfügung!**
Die Vorsorgevollmacht regelt wichtige Bereiche wie Gesundheit, Finanzen, Aufenthalt und Post/Kommunikation, während die Patientenverfügung festlegt, welche medizinischen Maßnahmen im Notfall ergriffen werden sollen.
Björn erklärt, dass ohne Vorsorgevollmacht jemand anderes Entscheidungen treffen und handeln muss, selbst Ehepartner oder Kinder haben nicht automatisch das Recht dazu. Als Immobilienbesitzer ist die Vorsorgevollmacht besonders wichtig, da ohne sie der Partner eine Vermögensaufstellung machen und das Vermögen mündelsicher anlegen muss. Wichtige Entscheidungen zum Beispiel über den Verkauf der Immobilie können ohne diese Vollmacht nicht ohne Weiteres getroffen werden.

Verpasse nicht die wahrscheinlich wichtigste Podcastfolge, die Du je gehört hast!

Hast Du Fragen, melde Dich hier:
https://www.etermin.net/bjoern

Hier geht es zu unserem Youtube-Kanal:
https://www.youtube.com/channel/UCqSJ6-8aPUjC8m9MJTJ7Hog

Hier geht es zu unserer Instagram-Seite:
https://www.instagram.com/finanzhavn/

Hier geht es zu unserer Webseite:
https://finanzhavn.de

Die wahrscheinlich wichtigste Podcastfolge: Vorsorgevollmacht und Patientenverfügung

Diese Podcastfolge "Wohnen und Investieren" von Björn widmet sich dem Thema Konzept, insbesondere rund um die Anschlussfinanzierung von Immobilien und deren Auswirkungen auf weitere Investitionsmöglichkeiten. Zunächst erläutert Björn, wie man bei der Anschlussfinanzierung attraktive Zinsen von der Bank erhalten kann und warum der Marktwert dabei entscheidend ist. Er geht auch auf den Beleihungsauslauf ein und erklärt, welche Rolle die Erwerbsnebenkosten dabei spielen.

Ein weiterer wichtiger Aspekt ist das Forwarddarlehen: Björn erläutert, wann ein solches Darlehen sinnvoll ist und wann nicht. Besonderes Augenmerk legt er darauf, wie die Anschlussfinanzierung als beste Möglichkeit betrachtet werden kann, Kapital für weitere Investitionen zu beschaffen.

Björn beleuchtet auch die Möglichkeit, ein Darlehen durch eine andere Bank ablösen zu lassen und ob dabei die Zinsbindung und die Rate angepasst werden können. Des Weiteren diskutiert er, wann eine Volltilgung Sinn ergibt und ob dieses Darlehen gekündigt werden kann, sowie eventuell damit verbundene Kosten.

Abschließend gibt Björn praktische Tipps, wie man dieses komplexe Thema in den Griff bekommen kann, und ermutigt die Zuhörer, sich aktiv mit ihren Finanzen auseinanderzusetzen, um die besten Entscheidungen für ihre individuelle Situation zu treffen.


Hier geht es zu unserem Youtube-Kanal:
https://www.youtube.com/channel/UCqSJ6-8aPUjC8m9MJTJ7Hog

Hier geht es zu unserer Instagram-Seite:
https://www.instagram.com/finanzhavn/

Hier geht es zu unserer Webseite:
https://finanzhavn.de

Grundlagen der Finanzierung: Teil 3 das passende Konzept

Wohnen und Investieren - Der Immobilienfinanzierungs PodCast

Affari Miei è il podcast dedicato a tutte le persone che vogliono gestire al meglio il proprio patrimonio.Nel podcast trovi contenuti utili per curare le tue finanze e investire al meglio.Puoi ascoltare il podcast tramite il blog, su Spreaker, su iTunes, su Spotify oppure puoi effettuare il download...

NUOVO SU AFFARI MIEI? Scopri 3 ETF a ZERO COMMISSIONI su Cui Investire: https://bit.ly/3w2k7mG----Se hai tra i 50 e i 60 anni sei nella fase migliore della vita per interessarti di investimenti!Oggi cercheremo quindi di capire come gestire al meglio il patrimonio se ti trovi in questa fase della vita, e come investire senza commettere errori.Nello specifico vedremo:Perché questo è il momento migliore per investire?La pianificazione previdenziale è crucialePuoi versare dei soldi nel fondo pensioneIl pensiero dei figliLe renditeI piaceri della vitaCosa ne pensi?Sei interessato ai nostri servizi?Prenota una sessione gratuita con il team di Affari Miei, ti guideremo nella scelta delle soluzioni più adatte a te: https://bit.ly/3ZHtAg2—

Come Investire a 50-60 Anni: Pensione, Famiglia & Futuro

Per approfondire acquista il libro "Il Pasto Gratis: Dieci Anni di Spesa Pubblica Senza Costi (apparenti)" di Veronica De Romanis: https://amzn.to/4ayKAu3----Oggi parliamo di spesa pubblica con la Professoressa Veronica De Romanis, docente di economia europea presso LUISS e autrice del libro "Il Pasto Gratis: Dieci Anni di Spesa Pubblica Senza Costi (apparenti)".In questo talk cercheremo di capire perché lo Stato Italiano negli ultimi 10 anni ha speso male le proprie risorse e ci focalizzeremo sulla spesa illimitata e sulla sua pericolosità.Nello specifico toccheremo questi punti:"Non ci sono pasti gratis": il concetto del pasto gratis applicato alla spesa pubblicaLa spesa illimitata e il Superbonus 110L'effetto spiazzamentoL'interesse del governo verso gli investitori privati è un nuovo pasto gratis?Fino al 2026 non si parla di diminuire il debito pubblico: ci saranno ancora pasti gratis?Cosa ne pensi?—NUOVO SU AFFARI MIEI? Scopri 3 ETF a ZERO COMMISSIONI su Cui Investire: https://bit.ly/3w2k7mG

Debito Pubblico in Aumento e Spesa Sciagurata: Perché l'Italia è finanziariamente irresponsabile?

NUOVO SU AFFARI MIEI? Scopri 3 ETF a ZERO COMMISSIONI su Cui Investire: https://bit.ly/3w2k7mG----Quali sono gli errori commessi in modo più frequente dagli investitori nella gestione del proprio patrimonio?Analizzeremo situazioni che in tutti questi anni abbiamo notato essere ricorrenti nella vita di tutte le persone e dei nostri clienti.In questo video affronteremo questo tema. In particolare ci concentreremo su 3 macro-categorie di errori:Eccesso di complessità;Scelta di strumenti finanziari sbagliati;Assenza di pianificazione.Nello specifico toccheremo questi punti:Errore #1 – Eccesso di complessitàErrore #2 – Scelta di strumenti finanziari sbagliatiErrore #3 – Assenza di pianificazioneL'importanza dell'orizzonte temporaleInvestire bene è importante anche per figli e nipotiIl testamento è importante!Tu hai mai commesso uno di questi errori?Cosa ne pensi?Sei interessato ai nostri servizi?Prenota una sessione gratuita con il team di Affari Miei, ti guideremo nella scelta delle soluzioni più adatte a te: https://bit.ly/3ZHtAg2—

3 Errori ENORMI nella Gestione del TUO Patrimonio: Scopri Come Evitarli!

NUOVO SU AFFARI MIEI? Scopri 3 ETF a ZERO COMMISSIONI su Cui Investire: https://bit.ly/3w2k7mG----Dopo tutti i miei anni di esperienza negli investimenti mi sono reso conto che il mercato dei consigli sulla ricchezza si è rotto, sia dal lato della domanda che dal lato dell'offerta. La maggior parte delle persone vuole solo consigli da persone che sono già ricche, per capire come hanno fatto!L'offerta invece è composta da: ciarlatani e persone ricche che condividono informazioni.Oggi vedremo qual è il principale problema della maggioranza dei consigli finanziari che trovi online, faremo delle riflessioni sul tema della fortuna e vedremo anche perchè spesso non va bene copiare gli altri.Nello specifico toccheremo questi punti:Ho guardato un video...Se fosse successo questo...I risparmiatori serialiUn esempio matematicoUn altro esempioIl fattore chiave è il guadagnoPost hoc fallacyUna storia da raccontareCosa ne pensi?Sei interessato ai nostri servizi?Prenota una sessione gratuita con il team di Affari Miei, ti guideremo nella scelta delle soluzioni più adatte a te: https://bit.ly/3ZHtAg2—

Perché i Consigli FINANZIARI dei Guru Online non ti faranno MAI diventare ricco

NUOVO SU AFFARI MIEI? Scopri 3 ETF a ZERO COMMISSIONI su Cui Investire: https://bit.ly/3w2k7mG----l mercato immobiliare di Milano: avrai sicuramente sentito o letto un'analisi che ti dice che il capoluogo meneghino sta macinando ogni giorno numeri importanti.Probabilmente qualcuno ti ha detto di quanto sarebbe conveniente investire nel mattone a Milano, ma siamo sicuro che sia davvero una così buona idea?Oggi cercheremo di rispondere proprio a questa domanda: premetto che sto facendo l'analisi basandomi sui dati di aprile 2024.Nello specifico vedremo:La stima della rendita netta di affittoUn esempio per capire meglioIl ritorno è tanto o poco?Il confronto tra il rendimento immobiliare e i mercati finanziariGuarda l'S&P; 500Un investimento singolo è diverso dal diversificareNon dobbiamo guardare solo il rendimento...Non si possono fare previsioni sui mercatiCosa ne pensi?Sei Interessato ai nostri servizi?Prenota una sessione gratuita con il team di Affari Miei, ti guideremo nella scelta delle soluzioni più adatte a te: https://bit.ly/3ZHtAg2—

Investire in Immobili a Milano è VERAMENTE un Affare?

Affari Miei Podcast

Educating Nigerians about Trading, Investing, and Online Business.

In this very first episode of the 9jacashflow podcast, I had an interesting conversation with a great guest in the person of Michael Otega. 
His a fish farmer and cryptocurrency investor.
We discussed his early business career, and the experience he has had with saving and investing in today's digital age.
I'm sure you will enjoy it, so kindly watch, comment, and subscribe to my podcast.

How to Start Saving and Investing in 2021

9jaCashFlow Podcast

Am I managing my personal finances in a God honoring way? What does biblical stewardship look like? As a Christian, what should my view of money be? These are just some questions that you, and other Christians, are pondering day in and day out. To be frank, there aren't a lot of places for Christian...

Hey everybody, I'm still alive! I know it's been a little quiet on my end so this episode is dedicated to some personal updates and some updates going on in the country. In this episode I discuss:Some personal updates and why I've been a little quiet latelyUpdates going on with student loan forbearance and PSLF waiver2022 Goal Setting & the systems needed to reach those goals
Enjoy! You can view the full show notes by clicking the link below: https://building-stewards.captivate.fm/episode/personal-update-2022

Personal Update, Goals & Systems for 2022, and More!

We often discuss our civil freedoms around this time of year due to the 4th of July. However, as Christians we spend very little time reflecting on our personal financial freedom and how it relates to our faith. In this episode I discuss:The importance of striving for financial freedomThe path and principles towards financial freedomThe fruit from financial freedom
Enjoy! You can view the full show notes by clicking the link below: https://building-stewards.captivate.fm/episode/striving-for-financial-freedom

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塚本真世の資産構築法 会社が倒産しても一生稼ぎ続けるスキル 人から好かれて投資で月収１００万円

Acerca de los bitcoins

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塚本真世の資産構築法　会社が倒産しても一生稼ぎ続けるスキル人から好かれて投資で月収１００万円