Selling St Pete with Nicole Saunches: Recent Episodes

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Join Nicole Saunches as she sits down with Austin Weaver from My Easy Mortgage to uncover the common pitfalls and mistakes that could cost you more money or even prevent you from obtaining a mortgage. In this insightful episode, Austin shares expert advice on navigating the mortgage process, ensuring you're well-prepared for one of the most significant financial decisions of your life.

Key Topics Discussed:

1. Understanding the Mortgage Process:
2. Common Mistakes to Avoid:
3. Costly Pitfalls:

4. Expert Tips from Austin Weaver:

   • How to improve your credit score before applying
   • Steps to take to ensure a smooth mortgage approval process
   • The importance of working with a trusted mortgage advisor

Why You Should Listen:

• Gain insider knowledge from a mortgage expert
• Learn how to avoid costly mistakes
• Empower yourself with the tools to make informed decisions about your mortgage

Connect with Us:

• Follow Nicole Saunches on Instagram at @sellingstpetefl
• Follow Austin Weaver on Instagram at @atwmortgage
• Subscribe to Selling St Pete with Nicole Saunches for more expert advice and tips

Call to Action:

• Enjoyed this episode? Leave us a review and share it with your friends!
• Have questions about mortgages? Reach out to Austin at https://myeasymortgage.com/team/austin-weaver/
• Have a question for Nicole or a show topic to recommend? DM Nicole on Instagram or call/text her at 727-282-4335

Closing Thoughts:

• Thank you for tuning in!
• Stay tuned for more insightful episodes with industry experts

Keywords:

• Mortgage tips
• Mortgage mistakes
• Home loan advice
• Austin Weaver
• My Easy Mortgage
• Mortgage approval
• Financial advice
• Credit score improvement
• Mortgage rates

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Join us as Nicole Saunches from Coastal Properties Group International, Forbes Global Properties speaks with Ashley Hutson, an esteemed Estate Planning Attorney from Berlin, Patten, Ebling. Together, they discuss the proactive steps individuals can take to ensure peace of mind, maintain control over their affairs, and safeguard their legacy.

Episode Highlights:

1. The Foundation of Legacy:

   • Nicole and Ashley emphasize the fundamental importance of estate planning, transcending wealth brackets. Whether you're a high-net-worth individual or just starting your journey, estate planning is indispensable for securing your legacy and ensuring your wishes are honored.

   • Proactive Peace of Mind:

   • Delve into the peace of mind that comes with proactive estate planning. By setting up power of attorney and beneficiaries in advance, individuals can navigate unforeseen circumstances with clarity and control. Ashley provides insights into how such proactive measures mitigate the risk of guardianship or probate, offering solace in times of incapacity.

   • Navigating Incapacity:

   • Nicole and Ashley shed light on the startling statistic that 70% of individuals will experience some form of incapacity in their lifetime. From minor setbacks to significant challenges, the repercussions can be profound. Discover how estate planning empowers individuals to dictate their decision-makers, ensuring their voice is heard amidst legal complexities.

   • Dispelling Probate Myths:

   • Addressing the common misconception that a will can entirely circumvent probate, Nicole and Ashley demystify the complexities surrounding probate proceedings. Through insightful anecdotes and legal expertise, they illustrate why comprehensive estate planning extends beyond a simple will, offering a holistic approach to asset distribution and legacy preservation.

Key Takeaways:

• Estate planning is a universal imperative, transcending income levels.
• Proactive measures provide peace of mind, allowing individuals to navigate unforeseen circumstances with clarity and control.
• Incapacity is a reality for many; estate planning empowers individuals to dictate their decision-makers, mitigating legal uncertainties.
• Comprehensive estate planning goes beyond a will, offering a holistic approach to asset distribution and legacy preservation.

Conclusion:Thank you for tuning in to the Selling St Pete podcast. We hope today's discussion has shed light on the vital importance of estate planning in shaping your legacy and securing your future. If you would like to schedule a consultation with Ashley Hutson, you can reach her via email at ahutson@berlinpatten.com or by phone at 727-822-2505.

And, if you would like to schedule a consultation with Nicole Saunches, you can reach her via email at nicole@nicolesaunches.com or phone/text at 719-201-5022.

Stay tuned for more insightful conversations on topics shaping your financial and personal well-being. Until next time, remember: Your legacy begins with a plan.

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In this episode, I share some of the latest insights on the housing market, covering nationwide and local trends impacting buyers and sellers.

Key Highlights:

• Nationwide Trends:

  • 4 million real estate transactions in 2023, the lowest in three decades despite a 24% population increase since 1993.

  • Local Insights:

  • Pinellas County saw an 11% sales decrease, while St. Pete experienced a 6.4% decline year-over-year.

  • Impact of Interest Rates:

  • Rising rates have prompt homeowners to hold onto low pandemic-era rates, leading to pent-up demand.

  • Cash Purchases:

  • Nationwide, cash transactions hit a 10-year high, comprising one-third of sales in January 2024. Locally, Pinellas County and St. Pete saw 51% and 48% cash transactions, respectively.

  • Price Appreciation:

  • Home prices continue to rise, with over 85% of metro areas seeing increases in Q4 2023. Tampa Bay maintains double-digit growth and Florida has experienced the largest home equity growth nationwide since Q1 2020.

  • Condo Market Shift:

  • The passage of Senate Bill 4D in the spring of 2022 has created notable changes in the condo market

  • Market Dynamics:

  • By definition the market is still considered to ba a seller's market though, in many ways, it is acting like a buyer's market. However, real estate and market trends are hyper local and what happens in one neighborhood may not be the same trend in another neighborood.

If you are thinking of buying or selling I would recommend seeking professional guidance for personalized strategies in navigating the evolving market landscape. If you would like to schedule a consultation, you can call or text me at 727-282-4335 or email at nicole@nicolesaunches.com

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Nicole Saunches from Coastal Properties Group engages in an insightful conversation with Angelic Williams, financial expert from J Galt Financial Suite, on the crucial topic of financial strategies for business owners. In this episode of Selling St Pete podcast, they explore the nuances between establishing business credit and corporate credit, shedding light on the advantages of securing corporate credit for business growth, and the significance of maintaining a clear separation between personal and business expenses.

Episode Highlights:

1. Distinguishing Business Credit and Corporate Credit:

   • Angelic Williams begins by demystifying the terms 'business credit' and 'corporate credit,' outlining the fundamental differences between the two.
   • The discussion touches upon how each type of credit serves distinct purposes and contributes to the overall financial health of a business.

   • The Pros of Securing Corporate Credit:

   • Nicole Saunches delves into the benefits that come with a business owner actively pursuing and securing corporate credit for their company.

   • Angelic Williams provides insights into how corporate credit can open up new avenues for funding, expansion, and financial flexibility for business operations.

   • Financial Empowerment for Business Owners:

   • The conversation extends to practical tips and strategies for business owners to successfully establish and leverage corporate credit.

   • The speakers emphasize the empowerment that comes with financial knowledge, enabling business owners to make informed decisions for the growth of their enterprises.

   • Importance of Separating Personal and Business Finances:

   • One key aspect discussed is the significance of maintaining a clear line between personal and business expenses.

   • The interview highlights the potential pitfalls of mingling personal and business finances, and the positive impact it can have on creditworthiness and financial stability when separation is maintained.

If you would like a free business check, click here: And, if you would like to connect with Angelic, you can reach her via email at awilliams@jgalt.io or text her (please no phone calls) at 510-833-6429.

As always, we hope you found this episode to be useful and learned something new.

Please share this episode with anyone you think could benefit from this information.

Disclaimer: The information provided in this podcast is for educational purposes only and should not be considered as financial advice. Listeners are encouraged to consult with financial professionals for personalized guidance tailored to their specific situations.

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Join us on the latest episode of Selling St Pete as we sit down with Pinellas County native and attorney David Reider from Berlin, Patten, Ebling. Discover how David's background as a real estate agent influences his role today and gain valuable insights into the various brokerage relationships realtors can establish with clients. Explore Berlin, Patten, Ebling's unique approach as both a title company and a representative in real estate transactions.

In a groundbreaking discussion, we delve into the aftermath of the Sitzer vs NAR class-action lawsuit, a recent decision favoring the plaintiffs, and its potential impact on the real estate industry. Hear about proactive measures taken by Florida Realtors, Stellar, and other MLSs in Florida, as well as changes implemented by my brokerage, Coastal Properties Group, in response to this pivotal decision.

Uncover the key questions arising from this legal shift: Will there be a surge in the use of buyer brokerage and showing agreements? Are buyers likely to bear the cost of representation, and how might this affect transactions? Explore the potential changes for VA buyers contributing more than 1% towards closing costs and their implications on market values and the appraisal process. Will increased transparency in agent compensation reshape the industry?

Stay informed with Selling St Pete as David and Nicole Saunches track the ongoing developments of this case and follow copycat lawsuits. Share your thoughts on this episode - was it informative? Do you have burning questions or suggestions for the future of the real estate industry? We want to hear from you!

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In this episode of Selling St Pete, your host, Nicole Saunches, delves into the holiday season and how to navigate it with grace, focusing on mental well-being. Joining her is Kelly Abanda, a Positive Intelligence Coach with Design Your Detour, as they explore strategies to avoid the top 3 mistakes that often lead to increased stress during this festive time.

Nicole and Kelly set the stage by discussing the common stressors people face during the holiday season, emphasizing the importance of mental well-being. Additionally, they introduce the concept of Positive Intelligence, otherwise known as PQ. Positive Intelligence refers to the capacity to respond to life's challenges with a positive rather than a negative mindset. It is a measure of the strength of your positive mental muscles versus the negative ones.

The top 3 mistakes people make to increase holiday stress:

1. Trying to make everyone happy
2. Saying Yes when you want/need to say no
3. Wanting others to do it YOUR way

Utilizing PQ strategies, the goal of Positive Intelligence is to enhance the positive mental muscles and weaken the saboteurs, leading to improved mental fitness and resilience. It's about developing the ability to see challenges as opportunities for growth, cultivating a more optimistic mindset, and building stronger mental habits.

Click here if you would like to take the self-assessment and identify your top saboteurs.

My hope is this episode provides listeners and viewers with a dose of positivity and practical strategies to make your holidays more enjoyable and stress-free!

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In this episode, I chat with Frank Gemma with Caliber Home Loans. He explains why sellers may want to consider offering a credit vs. a price reduction when selling their home.

With interest rates in the 7-7.5% range, many home are staying on the market longer and some buyers are seeing a decrease in their buying power due to higher interest rates. A seller credit will have a bigger impact in reducing a buyer's mortgage than a price reduction of the same amount.

Sellers will pay a little more (and net a little less) when offering a credit. I would recommend a seller to compare an estimated net sheet that compares a price reduction vs. seller concession. In a similar fashion, I would recommend buyers do a side-by-side comparison of loan estimate with and without a seller concession.

Frank also shares why it is important to work with professionals when purchasing a home.

If you would like to schedule a consultation with Frank, click here to access his calendar or email him at Frank.Gemma@caliberhomeloans.com

You can also access the Mortgage Bankers Association's website here.

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In this episode, Nathan and I speak with Joanna - a mutual client of ours who previously had been unsuccessful in attempting to purchase a home. When I met her in 2022, she mentioned that she would like to purchase a home eventually, but had some things she needed to sort out first. Throughout our discussion, it became clear that most of the obstacles and barriers she mentioned could be overcome with the loan product that Nathan Willis and I discussed in the previous episode, episode 056. I suggested to Joanna that if she really wanted to purchase a home, she may want to have a conversation with Nathan because home ownership could be closer than she envisioned. Further, if she wasn't yet mortgage-ready, a conversation with Nathan could help her determine when she would be mortgage-ready and the steps she would need to take to get there. She did just that and closed on her home a few short months later. Joanna also shared some insights and information she learned throughout the process.

Not only was she able to purchase a home, but she has enjoyed seeing that home appreciate approximately $60-70,000 in the year she has owned it.

If you would like to have a consultation about the home-buying process, Nathan and I would be happy to have a no-pressure, no-obligation conversation. You can reach me by phone or text message at 727-282-4335 and you can reach Nathan by phone or text message at 260-418-3742.

Thank you for tuning in!

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Nathan Willis with Southstate Bank joins me again (previously featured on Episode 44) and this time we are discussing a loan geared towards first-time homebuyers.

Originally from Springfield, MO, the Southwest Missouri State graduate transitioned from corporate sales into the mortgage industry approximately 20 years ago.

Nathan's father was a contractor and he was familiar with the real estate industry. He enjoys being able to help his clients achieve home ownership.

In this episode, Nathan answers the following questions:

What is the biggest misconception buyers face right now?

How is the market different from when you started in 2002?

How can borrowers today feel confident they're not going to put themselves in jeopardy of defaulting on that loan with interest rates and inflation where they are right now?

From your experience, what is the biggest mistake buyers make either in preparation of obtaining a mortgage or during the loan process?

What is the definition of a first-time home buyer?

What are the loan parameters for this loan where borrowers can obtain 100% financing with no private mortgage insurance and potentially get credit for closings costs up to $12,500?

For people who would like to consult with Nathan, you can reach him by phone at 260-418-3742 or via email at nathan.willis@southstatebank.com

Thank you for listening!

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The market has slowed considerably since the pandemic frenzy. Since then, interest rates have eclipsed 8% and exceed 7%. These rates may seem astronomical following the historically-low rates we saw in 2020 and 2021. And, yet, the current interest rates hover near the median interest rate since 1975 (7.14%) and far lower than the 18.63% rates experienced 1981.

For buyers who are looking to make a purchase, Jason Williams with Guild Mortgage speaks about where the opportunities are and why making a purchase still can be a great investment despite the current interest rates.

If you would like to speak with Jason to determine whether or not you are mortgage-ready, you can reach him by phone at 317-847-7161 or via email at jasonw@guildmortgage.net

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In this episode, I speak with Andi Menaul with Motto Mortgage Impact. Andi and I share many passions, one of which is working with and helping service members and veterans. We both have histories of working with service members and veterans prior to entering the real estate in our respective roles. We chat about how the VA loan is different from other loans such as FHA, conventional, jumbo and portfolio loan products; we discuss the eligibility requirements and some additional benefits veterans with disabilities are eligible for. We also discuss the possibility of using a VA loan to refinance an existing mortgage as well as the fact that VA loans are assumable and the pros and cons of assuming a VA loan.

If you found this podcast to be informative and you'd like to speak further with Andi about obtaining a mortgage, you can reach her by phone at 727-667-5936 or via email at amenaul@mottomortgage.com.

Thank you for listening! Please share this episode with anyone you feel could benefit from this information.

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In this episode, Nicole Saunches speaks with Alexa Price of the Price Mortgage Group at Go Mortgage. Born and raised in Tarpon Springs, Florida, Alexa was raised in a family with deep roots in the real estate industry. She has been in the mortgage industry since 1995 and has a wealth of knowledge. Alexa and the Price Mortgage Group are backed by Go Mortgage, an innovative mortgage company that offers a variety of tools.

As the market conditions shift from an incredibly fast-paced market towards a normal market following the pandemic, Nicole and Alexa discuss whether or not it is still a good time to buy, current opportunities for buyers in the market as well as challenges that buyers are facing in this market. Alexa also shares why it is important to have an in-depth consultation with your lender prior to obtaining your pre-approval so buyers can be confident with their pre-approval and have a good understanding of all of the elements of the transaction, including the estimated mortgage, closing costs and pre-paids (such as property taxes and insurance). She also discusses why the credit scores consumers see when they check their credit scores are almost always different from a consumer's score when their mortgage lender runs their credit for the loan application.

Alexa also speaks about what differentiates the Price Mortgage Group and Go Mortgage from other lenders. If you would like to speak with Alexa, you can call or text her at 727-409-3869 or you can visit her website here.

Thank you for listening! If you find this episode to be informative, please share! And, if you would like to make a request topic for a future episode, please email Nicole at Nicole@nicolesaunches.com or call or text her at 719-201-5022.

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In this episode, I talk about the difference between a condominium, coop, townhome and villa. Additionally, I outline the documents sellers should provide to buyers when purchasing a condominium or coop. It is important for sellers to provide buyers with those documents as soon as possible because buyers have a three-day rescission period when requesting the documents in writing.

When buying a condo, you should receive the following documents from the seller: a current copy of the declaration of condominium, Articles of Incorporation of the association, Bylaws and Rules of the association, FAQs and a copy of the most recent year-end financial information. You should also receive a Condominium Governance Form from your real estate agent.

When buying a coop, you should receive the following documents from the seller: a current copy of the Articles of Incorporation, Bylaws, Rules of the association and the questions and answers sheet.

BUYERS: If you are purchasing a condo or coop and obtaining financing, it is especially important to get those documents as soon as possible because these documents play a huge part in financing, in particular the budget.

SELLERS: I would strongly advise sharing these documents as soon as the contract is executed so the rescission period is within the first few days of the escrow period and the buyer doesn't have the opportunity to extend closing or void the transaction late in the process because the documents were not shared.

If you would like to review the condo governance form or any of the riders or addenda mentioned in this episode, please contact me and I would be happy to email those documents to you.

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In this episode, I discuss business banking with Tiffany Street and why it is important for business owners, especially entrepreneurs to open a business bank account when they establish their business.

Additionally we discuss:

• what documentation a business owner needs to do to start up a business account
• how a business owner's personal finances, credit and income impact the business' bank account
• what is required to secure a business credit card and/or utilize other products available, such as a loan, line of credit, equipment loan, business real estate loan, etc
• Programs available for business owners such as payroll, wire transfers, payment processing, retirement accounts, employee benefit packages, financial literacy education for your employees, etc.
• Fraud protections provided by business accounts
• whether or not there is a stigma for business owners that don't accept credit cards
• whether or not your customers think your prices are negotiable if you accept payment via apps like Venmo, Cashapp or PayPal
• myths and misconceptions about setting up a business loan
• an entrepreneurial venture that Tiffany has embarking on and her biggest AHA moment of the process that has taught her to always be open to the possibility.

If you would like to speak further with Tiffany to get additional information or set up a business account, you can send her a direct message on Instagram. Her handle is @tiffanybriana

Thanks for listening!

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In this episode of the Selling St Pete podcast, I chat with Kelly Abanda, founder of the Biz Bestie Lounge, on the power of community and collaboration. Kelly shares with listeners her journey from the Midwest, to LA, to a 4-year global road trip, and what led her to relocate to St Petersburg in the summer of 2022.

Along the way, she learned powerful and valuable lessons that gave her the confidence to take the leap and start her own business.

I didn't realize how many entrepreneurs reside in St Petersburg, Florida until I became one myself. And in my own entrepreneurial journey have discovered how isolating the entrepreneur's journey can be. Enter Kelly Abanda and the Biz Bestie Lounge. This new venture was birthed from her own entrepreneurial journey and pain other entrepreneurs have shared with her regarding their experiences with their business ventures. The Biz Bestie Lounge is a paid membership for female entrepreneurs where they are given a collaborative space where they can be heard and given feedback from other entrepreneurs on a weekly basis.

To learn more about the Biz Bestie Lounge or the next Solopreneur Social, you can find Kelly instagram at @kellyabanda

Also, I want to give big shout-out to St Pete Girl Bosses for bringing Kelly and I together. If you are a female entrepreneur in St Pete and are looking for a community that educates, elevates and collaborates - this community is for you. You can get more information by visiting the website or attending one of the free coffee networking events. Or feel free to DM me or Kelly and we would be happy to chat with you about the community.

Thanks for listening! Please share with anyone you think can benefit from hearing this episode.

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In this episode of the Selling St Pete podcast, I provide a market update with nationwide and local data.  The presentation utilized in this episode was prepared by Brian Buffini, the National Association of Realtors and the Florida Realtors Association.

As I mentioned in the podcast, real estate is hyperlocal.  If you would like to receive a market update specific for your neighborhood, community or subdivision, please email me at nicole@nicolesaunches.com with the subject line: Personalized Market Update and I will prepare a report specific to your community.  Additionally, if you would like to track your home's values (and have an estimate that is far more accurate than Zillow's Zestimate), click on this link and add your information and you will receive a monthly update estimating you're home's market value.

I'd love to connect with you if you're considering buying or selling your home.  Even though I am licensed in Florida, I can connect you with real estate agents globally if you are looking to buy or sell outside of Florida.

Thanks for tuning in!  Please don't hesitate to reach out if there is a specific topic that you would like for future episodes.  Happy New Year!

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In this episode of the Selling St Pete podcast, I have recorded my most personal episode yet;  I am speaking with Margaret Wright from an Ounce of Prevention about health and wellness and the role nutrition and supplements play in optimal living.

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In this episode, Nicole Saunches interviews Leah Negri, General Manager of Platinum National Title. For Leah, this is a family affair as she and her mother manage Platinum National Title and between the two of them have more than 50 years of experience in the title industry!

Leah and Nicole speak about the importance of title insurance and why it is critical to store your title insurance policy in a safe space. Additionally, they discuss how a defect in the title, also known as a cloud in the title, can delay and/or derail a transaction. They discuss examples of title defects we have experienced as well as share a tip for sellers that it may be beneficial to have a preliminary title search in advance of selling your property to ensure there aren't any title defects that need to be remediated. As evidenced in the examples, sometimes there are defects that occur due to clerical mistakes or previous owners and are out of the current sellers control.

Real estate laws vary by state. For example, did you know in the state of Florida a title company only insures the property's legal description (as opposed to the property address or parcel ID). Leah and Nicole also discuss a couple of other ways the real estate business is different in other states as well as other counties within Florida.

Additionally, Leah suggests obtaining an owners encumbrance report for properties that buyers may be bidding on at auction to help prevent a buyer from inheriting previous owners' title defects (such as delinquent property taxes, IRS liens or delinquent HOA fees - just to name a few).

Finally, Leah and Nicole share a tip on how a buyer or seller (depending on who is purchasing the owner's policy) can get a rebate on title insurance if the property is sold within three years of the policy. And, hint, the same tip applies for buyers who refinance within three years of purchasing their home.

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In this episode, Nicole speaks with KC Kephart - a functional medicine nutritionist, Board Certified health coach and founder of the Feel Good Formula.  They discuss:

• Why she chose to specialize working with women who have autoimmune diseases
• the definition of autoimmune diseases are
• the most common symptoms women with autoimmune diseases experience
• the connection between autoimmune diseases and leaky gut syndrome
• some of the biggest lifestyle habits and contributing factors for developing autoimmune diseases
• how dietary choices can play a role in alleviating the symptoms for autoimmune disease
• how to access her course, The Feel Good Formula for Women with Autoimmune Disease

To book a free 20-minute nutrition review or register for her course, go to: www.nutritionwithkc.com

To access the directory of wellness-minded health professionals, click here

Thank you for listening!  Please share with anyone you feel could use this information.

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In this episode, I am joined by Mike Romano with Thrive Mortgage.  We discuss:

• the difference between a buyer's market and a seller's market
• the rapid increase in interest rates in 2022
• an historic view of interest rates in the last 50 years
• the pace of new construction and how that plays a role in the inventory
• we look at data points for several categories all the way back to 2008 to see how the market during the 2008-2009 crash compares to the market when the pandemic began to today's market

If you would like to connect with Mike, you can get his contact information here: https://financingbymike.com/

You can reach Nicole via email at nicole@nicolesaunches.com or by phone/text at 719-201-5022.

Thanks for listening!

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On this episode, I'm joined by Nathan Willis with South State Bank and we will be discussing South State's Physician Loan.  This portfolio product offers medical doctors (MD), doctors of Osteopathic Medicine (DO), dentists, and veterinarians who possess a 700+ credit score with a 100% loan to value mortgage up to $750,000, a 95% loan to value mortgage up to $1M for applicants with a 720+ credit score, and loan from $1M to $2M with a 720 credit score and just 10% down.   All of these loans are available without private mortgage insurance (PMI) resulting in big savings for the borrower.

These loans are available as 15-, 20- or 30-year fixed or 5-, 7- or 10-year adjustable-rate mortgages (ARMs).

This product is available for primary residences whether single-family homes,  condominiums, planned unit developments, or duplexes.

If you have any questions or for more additional information on this loan product, you can reach Nathan Willis by phone at 260-418-3742.  

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Have you recently purchased a property in Florida? Did you have a homestead exemption on your previous home? Did you move less than two years ago?If you answered yes to these questions, did you or are you planning to apply for the portability benefit? If not, you may be leaving money on the table.

In this episode, we take a deep dive into the Save our Homes cap, portability benefit, homestead exemption, and additional exemptions residents of Florida may be eligible for and how these elements can save homeowners money on their property taxes when compared to homeowners who are not eligible for and/or not using those benefits. The website that was featured in the episode is: www.pcpao.org

This episode also discusses why it is crucial to use the tax estimator when purchasing a new home. As mentioned in the episode, the assessed value resets when the ownership changes hands. This reset has caught many buyers off guard when they assume their real estate taxes will be similar to those of the prior owner because it could change dramatically the next tax year if exemptions no longer apply if the homeowner has been a longtime primary resident and has been taking advantage of the save our homes cap for an extended period of time and/or if there is a large differential between the purchase price of the previous owner and the current purchase price. In some cases, taxes have increased more than two or three times the amount the previous owners were previously paying.

I love being able to help people save their hard-earned money and put it back in their pockets. Please share this episode if you know anyone who can benefit from the information.

If you would like to share a show idea for an upcoming episode, please feel free to call or text me at 727-282-4335 or email me at nicole@nicolesaunches.com.

Thanks for tuning in!

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In this episode, Nicole Saunches explains how property taxes are calculated in Pinellas County, including what variables impact property taxes, how exemptions and valuation caps are administered, how the taxing authorities set their budgets each year and how homeowners can work with the property appraiser's office to ensure their property values are fair and accurate.

I think this is an important conversation because buyers assume when they purchase their home that their property taxes will be similar to the taxes the current homeowner is paying and in some cases that couldn't be further from the truth.

In Florida, property taxes are paid in arrears and the tax bills are mailed out in November, meaning that the tax bill that was sent out last month, was the bill for January 1-December 31 of this year. The sooner the bill is paid, the less the homeowner will pay in taxes. For example, a tax bill mailed to an owner in November 2020 states the property taxes owed for 2020 are $3,370.18. The amount of the bill could increase depending on when the bill is paid. If the bill is paid on or before Nov. 30, the amount due is $3,335.43 saving the homeowner approximately $35. If paid by December 31, the amount due is $3,370.18. If paid by January 31, the amount due is $3,404.92. If paid on or before Feb. 28. the amount due is $3,439.67. If paid by Mar. 31, the amount due is $3,474.41. They are considered delinquent as of April 1.

Other topics discussed in this episode include:

• Save Our Homes Portability Benefit
• The recapture rule
• the property tax estimator tool
• the TRIM notice
• information regarding the Value Adjustment Board and the petition process
• property tax payment options, including an installment payment plan
• tax certificates and tax deed sales

Click here to access a list of tax exemptions and how to apply for them (click on the tab labeled Exemptions/Save-Our-Homes/Portability in the menu on the left)

Click here to file for the homestead exemption

Click here for information on Amendment 6

Click here to see an example of portability showing how the save our homes portability benefit is calculated

Click here for a link to the tax estimator

Click here to access the Pinellas County millage rates levied in previous years

Click here to access a sample TRIM notice

Click here for information regarding the value adjustment board process

Click here to access the application for the 2021 Pinellas County property tax installment payment plan

Click here for information on tax certificates and tax deed sales

Click here to access the tax certificate sale

Additional resources:

Florida Department of Revenue website

Pinellas County Tax Collector website

Pinellas County Property Appraiser website

Pinellas County Clerk of Circuit Court website

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In this episode, I discuss customary closing costs for buyers and sellers in a residential real estate transaction. O break down the costs customary for sellers and for buyers as well as some differences in closing costs when buying new construction. Additionally, I offer several ways to potentially save money at closing. I hope this episode has been informative and useful for you. If you think so, please consider leaving a review or sharing with someone who could use the information. Thanks for listening!

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In this episode of the Selling St. Pete podcast, we examine whether or not we can expect the outcome of the presidential election to have an impact on the real estate market.

In a year filled with adversity, the real estate market has actually been a bright spot with strong sales - so strong in fact, they are the most since 2005 in February, July, September and October.It’s quite possible we would have had more months had we not experience massive economic shutdowns due to the pandemic.

I believe sales in Pinellas County and the Greater Tampa Bay area will remain strong for the foreseeable future for the following reasons:

• historically low interest rates • prices continue to rise • low inventory • strong buyer demand

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Several years ago Sean Doyel was looking after his friend's home while he was away. On one of his inspections, Doyel encountered a pipe that had burst in the ceiling and had caused approximately $75,000 in damage to the property. The homeowner filed a claim with his insurance company and the claim was denied. The homeowner went to court to try and compel the insurance company to pay for the damages and Doyel was brought in as a character reference.

The suit was dismissed because the magistrate determined there wasn't adequate proof of inspections and that Doyel lacked the proper professional experience as a home inspector or home watcher. Sean sought out information regarding what that training entailed and is now a certified home watch inspector and his business, While You're Away FL, LLC is accredited with the National Home Watch Association.ed. Unfortunately, for his friend, he had to pay out of pocket for the repairs. For Doyel, however, a business was birthed from this experience.

While You're Away Home Watch Services comes to your home on a pre-determined basis and checks the interior and exterior of your property to look for potential issues that may arise. If they discover anything, they will contact you immediately and, if needed, coordinate with you to have the problems fixed or remediated.

As a While You’re Away Home Watch client, they will set up a custom home watch plan based on your specific needs. They will complete and send to you a detailed Inspection Checklist every time they visit your home, along with the date, time and photos documenting the visit (if his friend had this documentation in his lawsuit from a properly certified professional, he likely would have won his case).

Additionally, they offer concierge services such as: airport transportation, grocery shopping & stocking, hurricane shutter installation & removal, package pickups, watering plants, replacement of air filters, smoke detector batteries, light bulbs, etc.

If you would like schedule a free, no-obligation consultation with While You're Away, you can reach them by phone at 727-667-5101, via email at info@whileyoureawayfl.com. You can also get more information at their website at whileyoureawayfl.com

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Are you looking for a Lease with a Right to Purchase? Are you looking for transparency, choices, value, control and flexibility?

-Transparency: Upon entering this program, you are given the monthly lease and purchase price informaiton each year for up to five years so you can plan for the future

-Choices: This investment firm provides access to the MLS listings in the communities they serve, expanding your selection to all qualifying homes for sale

-Value: The investment first uses their skill to purchase the home you want, providing you with an affordable lease and a pre-set purchase price each year for up to give years. There are no hidden fees or non-refundable deposits.

-Control and flexibility: You have the right to purchase the home at any time during your residency, at the pre-set price. If the home value appreciates above this price each year and you choose to purchase it - congratulations! -you realize the financial benefit. If the value of the home declines, you can choose to continue to lease it, you can choose to not to renew your lease and walk away without penalty, or you can choose to move forward with the purchase but would be responsible for making up the difference between the appraisal and the pre-set purchase price.

To learn more about this program or to apply, please contact me via email at nicole@nicolesaunches.com or call or text 727-282-4335.

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In this episode, we talk about what buyers can do to write a compelling offer that captures the seller’s attention in a multiple offer situation. My top three tips are:

1) Show you are qualified, and are the best candidate, to purchase the home

2) Find out what's important to the seller and include it in your offer, and conversely, do not include the seller's non-negotiables in your offer

3) Write your best offer - you may not have the chance to counter your offer and you only have one chance to make a great first impression - write an offer that if your offer isn't accepted you aren't left wondering, "what if?"

Additionally, I talk about utilizing back-up offers in the event your offer isn't selected. There are a variety of reasons a deal may fall apart. If you have a back-up offer in place, rather than the home going back on the open market, it instead goes to the back-up offer in first position. Since March I have written four back-up offers and 3 of 4 have gone into effect.

Lastly, if you want to try and avoid multiple offers at all cost (which is very difficult to do in our current market), I offer five strategies on how to avoid multiple offer situations:

1) See if you can access off-market listings

2) Consider For Sale By Owners (with the guidance of a seasoned real estate advisor)

3) If you desire to be in a specific neighborhood or building, consider writing a letter to current owners and see if they are considering selling. You may be able to broker a deal without the property ever going on the market.

4) Be the star of your own HGTV show and utilize a renovation loan to purchase and renovate a property (Don't know what a renovation loan is? No problem, check out episode 13 of this podcast!)

5) Look at listings that have languished on the market. Sometimes the only thing wrong is the initially listed the sales price too high and how has to drop to a price that buyers feel comfortable paying.

I hope this episode provides helpful tips for anyone who is encountering multiple offer situations. May you be successful in having your offer selected and purchasing your next home!

If you are in need of a real estate advisor in the Tampa Bay market, I would love to interview for the job!

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In this episode, we take a look at Brian Buffini’s mid-year real estate report and compare the national numbers in that report to what is happening here locally in Pinellas County. Following this episode, I will be taking a brief hiatus to re-Group and will resume with new episodes in October. I would love to know if you have topics that you would like to request or have questions that you would like answers to. You can reach me via email at nicole@nicolesaunches.com or call or text me at 719-201-5022. Thank you so much for listening, viewing and sharing this podcast. It has been a real pleasure watching this audience grow. Thanks so much for your support!

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On this episode of the Selling St Pete podcast, I share why I am a fan of the Homesnap app. This mobile application can be downloaded on mobile phones or can also be accessed via the web at www.homesnap.com. Outlined below and in this episode are all the reasons I am a fan of the Homesnap app.

1. Homenap offers a national search portal
2. Homesnap is syndicated with all of the multiple listing services and will immediately alert you to new listings, price changes, and any other market updates in the zip codes you want to watch.
3. Homesnap allows you to search by a variety of filters including but not limited to: by a specific school district, school ratings, scheduled open houses, property type, property features, listing date, lot size, HOA fees, number of stories
4. On certain mobile phones, the Homesnap app allows you to walk the property lines via augmented reality.
5. You can message directly with me or the real estate agent you are working with directly in the app. If you would like to connect with me, you can do so via this link: homesnap.com/Nicole-Saunches
6. Homesnap's in-app messaging allows you to share homes with friends, family and your real estate agent, even if they aren't on Homesnap and their reply will go right back into the app so you can find and discuss homes all in one place.
7. The app has a built-in mortgage calculator and net sheet so buyers can estimate their mortgage and sellers can estimate their net profit when selling their home
8. The app allows you to draw on the map and narrow down the search to the area you want.
9. The app allows you to type in up to five addresses and will compute an estimated commute time for the distance from the address to the property you are looking at.
10. You can even take a photo of a property and get details, which is how the app got its name in the first place. For homes that are actively listed in an MLS, you will be delivered a property card with all of the details and for homes that are not actively listed in an MLS you will get data from public records.

I highly recommend connecting to the Selling St Pete Facebook page so you can see the corresponding video walk-through. You can do so here. And, thanks for tuning in!

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In this episode, I speak about the nuances of condo financing with Nathan Willis of CenterStage Bank.

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In this episode, I'm joined by Paul Valenti and Jeffrey Lorick from the Pinellas County Office of Human Rights and we are going to be talking about Fair Housing. A few months ago, I attended a training these gentlemen put on at my realtor board, the Pinellas Realtor Organization. The training was about how implicit bias can have an impact on Fair Housing laws. The training was one of, if not the best, training I have experienced in my real estate career.

In light of the recent events across our nation as it relates to COVID-19 as well as the civil unrest, I thought this was an important conversation to share with listeners and viewers and I wanted to share this important information with as many people as possible.

In this episode we discuss:

• Who is protected under the Fair Housing Act
• What fair housing laws prohibit and who is exempt from the law
• Local, State and Federal Organizations that enforce Fair Housing Laws
• What happens if a person is found to be in violation of Fair Housing Laws
• The use of service animals and emotional support animals, in particular as it relates to pet restrictions and pet policies

Additionally, the Pinellas County Office of Human Rights together with the Tampa Bay Fair Housing Consortium, Gulfcoast Legal Services and the Hispanic Outreach Center will be holding a pair of free webinars for Landlords, Property Managers and Tenants on Friday, July 17 and Friday, July 24. Each event will start at 1pm. Go to tbfhc.org/events to learn more about the events and to register to attend

Additional Fair Housing Resources:

Pinellas County Office for Human Rights website

U.S. Department for Housing and Urban Development

Municode website

If you feel you need to file a Fair Housing violation with the Pinellas County Office of Human Rights, you can call the office at 727-464-4880 or download an intake form from the website

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To build or not to build - that is the question for this episode of the Selling St. Pete podcast. Today we’re going to be talking about new construction.

When it comes to buying a new home, a buyer may opt for a newly constructed home over an existing home, especially in a market that is expanding rapidly. In this episode, we’re going to take a high-level overview of new construction. We’ll be looking at factors to consider when deliberating between purchasing an existing home or new construction. We'll discuss the difference between tract, spec and custom homes, the pros and cons of new construction as well as questions to ask when deliberating a new build.

We also define what a Community Development District fee and what it entails. Below are the designated items that CDD fees

It is important to note that payments for CDD fees are tax-deductible, like your property taxes, however, they are not to be confused with HOA fees. CDD fees are paid in addition to HOA fees, if HOA fees exist in the community.

Section 190.012 of the Florida Statues limits the special powers of the CDD to a defined set of services and facilities. They are:

• water management and control
• water supply, sewerage and wastewater management
• bridges and culverts
• district roads and street lights
• public transportation including buses, trolleys, transit shelters, ridesharing facilities and services, parking infrastructure and related signage
• Investigation and remediation of environmental contamination
• conservation areas, parks and recreational facilities
• fire prevention and control
• school buildings and related structures
• security, but not the exercise of any police power
• waste collection and disposal
• mosquito control

If you are considering purchasing new construction - here are some questions to ask:

1. Is the lot cost included? Are there premium costs for certain lots?
2. How long will my home take to build and what happens if you don’t make the date? Does this include the time to get permits?
3. When do extras have to be paid? Upfront or at closing?
4. How much customization can be done? Am I able to make any modifications or upgrades once construction on the home has started?
5. What warranties are provided with the home? What do the warranties include & how long do they last?
6. What are the standard finishes?
7. Are you allowed to purchase your own appliances or materials?
8. If you can bring in your own appliances or materials, will the builder provide a credit?
9. Is landscaping included? If yes, what does it entail? Is there any warranty on the materials used?
10. Does the contract include an escalation clause?
11. Is there an HOA? What are the dues? What do they cover? If not, are there any protective covenants for the neighborhood?
12. Does the builder’s preferred lender offer any financial incentives?
13. What are the anticipated property taxes? What are the anticipated HOA fees? Is there a CDD?
14. Can you give me references from prior buyers?
15. How quickly will punch list items be completed after the final walk through? If there is a major item that hasn’t been completed or is on backorder, it may make sense to ask the builder for an escrow holdback of funds to ensure these things will be finalized

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On this episode of the Selling St. Pete Podcast, I'm joined by Susan Vaughn a fellow real estate advisor with me at Coastal Properties Group, Christie's International Real Estate and today's topic is pocket listings.

Our definition of pocket listing is: a property where a broker holds a signed listing agreement with the seller, whether that be an Exclusive Right to sell or Exclusive agency" but which is never advertised publicly or published to multiple listing service (MLS) members.

It's important to note that a pocket listing is not the same as a For Sale By Owner - also known as a FSBO. In the case of a pocket listing, the sellers are still working with a listing agent, they simply want their property to be marketed in a different manner.

In November 2019, the National Association of Realtors voted in support of a new "Clear Cooperation" policy mandating how properties are marketed to the public, essentially ending the practice of "coming soon" The policy states:

"Within one business day of marketing a property to the public, the listing broker must submit the listing to the MLS for cooperation with other MLS participants. Public marketing includes, but is not limited to, flyers displayed in windows, yard signs, digital marketing on public-facing websites, brokerage website displays, digital communications marketing, multi-brokerage listing sharing networks, and applications available to the general public).

Additionally, we talk through the pros and cons of pocket listings and why sellers and buyers may choose to utilize or pursue pocket listings.

We also referenced National Association of Realtor's Code of Ethics

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In this episode, we talk about debt and financial literacy with Lori Elliott of Prosperity Solutions Group (PSG). Lori has spent the majority of her career in finance. About four years ago, Lori and her husband Tom co-founded PSG. The company is chartered to provide consumers and business owners with financial literacy as well as methods to become debt-free and build wealth.  In fact, in many cases she can help you eliminate debt in a fraction of the time - often in 1/3 or 1/4 of the bank or lender's timetable.

PSG offers self-paced online courses and Selling St. Pete listeners and viewers can get a discount on the Financial Acumen Course described in this episode by using the following coupon code: special-259ns (please note: the coupon code is case sensitive and all letters utilized are lower case).

In this episode we discuss:

• the biggest fallacy when it comes to money management

• the most common mistakes when it comes to debt elimination

• the biggest misconceptions about debt

• her customized approach to debt elimination and wealth creation

If you would like to connect with Lori, you may reach her by phone at 240-675-7802 or on her website at iamcoachlori.com.  

One thing is for sure…”Those who don’t understand interest are doomed to pay it…Those who do are destined to earn it.”

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Hurricane season is officially underway and today we're going to be talking about buying and selling during hurricane season. On this podcast, I have been joined by Frank Gemma with Caliber Home Loans and Tracy Baer with Northshore Insurance.

Weather experts are predicting an active hurricane season with above-normal activity this year. In fact, we have already had three named storms so far. But this year brings added considerations as we are also dealing with COVID-19 and must also take additional provisions and guidelines into consideration.

Below are some tips from the National Weather Service and National Oceanic and Atmospheric Administration (NOAA) on how to best prepare for the season: (click here to get additional information on the below tips)

• Develop an Evacuation Plan
• Find out if you live in an evacuation zone
• Plan your route out
• Follow evacuation orders
• Plan for your pets
• Assemble Disaster Supplies
  • Food/Water (have enough non-perishable food and water for each person for at least 3 days)
  • Medicine
  • Make sure you are stocked up with batteries, radio, chargers
  • Gas up
  • Have cash on hand
  • If you need to go to a public shelter, you will need to bring masks for each person and hand sanitizer
  • Get An Insurance Checkup
  • Check with your agent
  • Keep your documents with you
  • Consider flood insurance
  • Know your policy
  • Make sure you have enough homeowners insurance to repair or even replace your home. Don't forget coverage for your car or boat.
  • Remember standard hazard/homeowner's insurance doesn't cover flooding
  • If you do not have a mortgage, there is a 30-day waiting period for flood insurance
  • Determine the best policy for you...FEMA vs private flood insurance
  • The Federal Alliance for Safe Homes also known as Flash and The Actuarial Foundation jointly put out a comprehensive insurance guide including tips for reducing potential damages and premiums ... (flash.org/pdf/ActuarialFoundationInsuranceGuideEnglish.pdf)
• Strengthen Your Home
  • Cover Windows
  • Trim Trees
  • Secure Loose Outdoor Items
  • Secure All Doors
  • Move your car to a safe location
  • Many retrofits are not as costly or time-consuming as you may think
  • Remember, the garage door is the most vulnerable part of the home
• Be Prepared
  • Have photo documentation of valuables
  • Keep your important documents together for quick access
  • Know who issues evacuation orders for your area
  • Determine locations in advance where you will ride out the storm
  • Get your supplies now

If you would like to connect with Frank Gemma with Caliber Home Loans, you can email him at frank.gemma@caliberhomeloans.com or by phone/text at 727-642-6382. And, Tracy Baer with Northshore Insurance can be reached via email at tracybaer@northshoreinsurancegroup.com or via phone at 727-896-5165.

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In this episode, we chat with Chris Boss with Boss Law in St. Pete to discuss resources that people can tap into if they are struggling financially due to COVID-19.

To apply for the Payment Protection Program (PPP loan), you need to apply with a bank (and you must have an account open with the bank 48 hours prior to the application).

The federal government has contributed a $600/week kicker for unemployment benefits in addition to the potential $275/week from the State of Florida. Independent contractors due qualify for the $600/week benefit from the federal government.

To file for the Economic Injury Disaster Loan (EIDL), you need to apply with the Small Business Administration at sba.gov

AnnualCreditReport.com is offering weekly updates

If you have questions or would like to schedule an appointment with Chris, you may reach him via email at cboss@bosslegal.com or by phone at 727-471-0039. You can also get more information about Boss Law at bosslegal.com

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Real estate laws vary from state to state and an important question to ask when hiring your real estate agent is how you will be represented in the transaction.

As discussed in this episode, there are three different relationships a customer can have with their real estate agent In the state of Florida.

Listed below are the duties of the agent in each relationship.

A Transaction Broker provides you a limited form of representation that includes the following duties:

1. Dealing honestly and fairly;
2. Accounting for all funds;
3. Using skill, care, and diligence in the transaction;
4. Disclosing all known facts that materially affect the value of residential real property and are not readily observable to the buyer;
5. Presenting all offers and counteroffers in a timely manner, unless a party has previously directed the licensee otherwise in writing;
6. Limited confidentiality, unless waived in writing by a party. This limited confidentiality will prevent disclosure that the seller will accept a price less than the asking price, that the buyer will pay a price greater than the price submitted in a written offer, of the motivation of any party for selling or buying property, that a seller or buyer will agree to financing terms other than those offered, or of any other information requested by a party to remain confidentia; and
7. Any additional duties that are entered into by this or by separate written agreement

Limited representation means that a buyer or seller is not responsible for the acts of the licensee. Additionally, parties are giving up their rights to the undivided loyalty of the licensee. This aspect of limited representation allows a licensee to facilitate a real estate transaction by assisting both the buyer and the seller, but a licensee will not work to represent one party to the detriment of the other party when acting as a transaction broker to both parties.

As a single agent, your brokerage and its associates owe to you the following duties:

1. Dealing honestly and fairly;
2. Loyalty;
3. Confidentiality;
4. Obedience;
5. Full disclosure;
6. Accounting for all funds;
7. Skill, care, and diligence in the transaction;
8. Presenting all offers and counteroffers in a timely manner, unless a party has previously directed the licensee otherwise in writing; and
9. Disclosing all known facts that materially affect the value of residential real property and are not readily observable.

In a no-brokerage relationship, the brokerage and its associates owe to you the following duties:

1. Dealing honestly and fairly;
2. Disclosing all known facts that materially affect the value of residential real property which are not readily observable to the buyer;
3. Accounting for all funds entrusted to the licensee.

As you can see, the duties of the brokerage vary greatly in each of the three brokerage relationships available in Florida. When you are working with a brokerage and its associates make sure you know which relationship you have when buying or selling residential real property.

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In this episode, Nicole Saunches interviews Cathy DiLeo with DiLeo Design and Staging.

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In this episode, Nicole Saunches speaks with Nicole Hayes, also known as Escrow Nico, from Coast to Coast Title & Escrow. COVID-19, also known as the coronavirus has caused a massive shift in the way we live and work as we all adjust to this new era of social distancing. And, though the real estate industry is still deemed an essential business in Florida and we are able to continue facilitating transactions, we too are having to adjust to working remotely or making modifications to the way we run our businesses. Fortunately, recent legislation and technology allows us to continue most of our business practices virtually or with very limited contact with others. Nicole and Escrow Nico not only walk listeners through what they can expect during a transaction with Coast to Coast Title & Escrow, but Escrow Nicole also shares that Coast to Coast Title & Escrow is growing and currently hiring people. If you are looking for employment and have excellent communications and customer service skills, I encourage you to reach out to Coast to Coast. You can call or text the office at 727-538-4228 or you can reach out directly to Nicole Hayes at 727-212-3621 by phone or via email at nicole@ctctitleco.com. You can also learn more about Coast to Coast by visiting their website www.ctctitle.com

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In this episode, Nicole Saunches speaks with Justin Kelly of VanDyk Mortgage about the recent changes in the real estate industry in the midst of the current global health crisis. The events of the last few weeks have created a lot of uncertainty and unprecedented measures have been taken to attempt to slow down this global pandemic. And, while a lot of people have lived through wars, challenging recessions and instability previously, it’s fair to say that no one has experienced an event like this where. Health crisis has effectively shutdown so many industries in a short period of time. In this episode, we discuss the modifications our respective companies and industries are taking to limit face-to-face contact while also facilitating real estate transactions.

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On today's episode, we're discussing the Coronavirus. I thought it was important to do so for several reasons:

1. Though state officials say the threat to the public remains low, public interest in learning about the disease is high - in particular, who is most at risk and how to prevent it from spreading
2. Overnight the first two cases for Pinellas County were reported bringing the number of cases in Tampa Bay to 6 - 2 in Pinellas County, 2 in Hillsborough County, 1 in Pasco County and 1 in Manatee County
3. Earlier this week, the Food and Drug Administration (FDA) and Federal Trade Commission (FTC) jointly warned Americans of companies trying to capitalize on the fear and concerns caused by the virus.
4. Florida's Attorney General Ashley Moody activated the coronavirus price gouging hotline
5. We are seeing a growing number of events being altered or canceled as a result of the virus spreading
6. the World Health Organization (WHO) officially declared the coronavirus, also know as COVID-19, to be a pandemic

In this episode, I highlight the differences between an outbreak, epidemic and pandemic.

Below are the 7 sellers of unapproved and misbranded products that received warning letters from the FDA & FTC:

• Vital Silver
• Aromatherapy Ltd
• N-ergetics
• Vivify Holistic Clinic
• Herbal Amy LLC
• The Jim Bakker Show

Coronavirus-related price gouging can be reported by calling 1-866-9-NO-SCAM or by visiting MyFloridaLegal.com. Violators of the state's price gouging statute are subject to penalties of $1,000 per violation and up to a total of $25,000 for multiple violations committed in a single 24-hour period

If you think you need to be tested, the Florida Department of Health can now test for the Coronavirus in Tampa, Jacksonville and Miami within 48 hours. Health officials advise calling ahead to a doctor or health department if you suspect you have the Coronavirus so they can prepare for your arrival and limit the risk of infecting others. To contact the health department directly, call 866-779-6121 or email COVID-19@flhealth.gov.

World Health Organization website

Center for Disease Control and Prevention website

Florida Department of Health website

Wishing you good health in the days to come!

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On this podcast, I am joined by Dan Miller of Tactical Defense and we are talking about about personal safety and self defense.

Dan has a love for and training in several martial arts. And, while he has a passion as a martial artist and had a lot of training in the martial arts and self-defense, he came to the realization that the technical skills he had learned didn't necessarily translate to what actually happens in a physical altercation. His research on self-defense led him to discover a gentleman by the name of Tony Blauer and his system entitled Blauer Tactical Systems, which utilizes the SPEAR method, and was used to instruct police first responders and members of the Military. Dan started Tactical Defense after earning a certification with Tony Blauer, who he still studies under today.

In this episode, Dan talks about: How his upcoming personal defense workshop differs from a typical self defense class Gives an overview of the 3 primary tenants of the SPEAR system -- the three Ds - Detect, Defuse/De-escalate, Defend Listeners are invited to attend an upcoming Personal Defense Workshop to be held on April 25, 2020 from noon-5pm at Burg Fitness, which is located at 227 14th Street N, St. Pete, FL 33705

For listeners who are interested in attending the upcoming Personal Defense Workshop mentioned on this podcast, here is a link to the registration page: https://tactical-defense.com/events/personal-defense-workshop-dec2019-4eh23-rgae8

For listeners who are interested in learning more about the GoGuard ring mentioned, you can find more information here: https://tactical-defense.com/products

To learn more about Burg Fitness, click here: www.burgfitness.com

If you have additional questions or would like to connect with Dan, you can reach him via email at dan@tactical-defense.com or via phone/text at 941-544-2686

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In this episode, with are once again joined by Megan Galane with Mountain West IRA and she shares with us one of her wealth building strategies - the utilization of private and promissory notes.

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In this episode, Nicole Saunches speaks with Oliver Gray from New York Life about how to protect your home and your family’s financial future. In the U.S., 7 out of 10 households are dependent on two incomes. What would happen to your loved ones if you were to die prematurely, become disabled or critically ill, and your income suddenly disappeared? Would they be able to continue to make the mortgage payment without difficulty and stay in your home?

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In this episode, Nicole Saunches discusses the 2020 Real Estate Market Outlook with Chris Musto from Guaranteed Rate.

Many people are approaching this year anticipating a recession, however, times have changed and there are quite a few differences between the years that led up to 2008 and the real estate crash and today that may ease these concerns.

• At the end of 2019, the U.S. jobless claims were at a 50-year low. And, we're seeing the same in Florida. A recent article in the Tampa Bay Times reported that the state's unemployment rate dropped to a record-low 3% (the lowest since record-keeping began in 1976).
• Stricter lending standards reduct the likelihood of borrowers defaulting on their mortgages
• Nationwide, it appears that homeowners are more cautious choosing to retain equity in their homes instead of borrowing against them
• Subprime, portfolio and nonprime loans only made up a small percentage of loans (compared to ~20% in 2005)
• State forecasters estimate that Florida is gaining 906 residents daily

Below are the new loan limits for Pinellas County:

• FHA - $331,760 for a single-family home; $424,800 for a duplex; $513,450 for a triplex and $638,100 for a quad
• Conventional/Conforming - $510,400

Below are the 12/2019 Pinellas County stats referenced:

• Combined Closed Sales (single-family homes & condos/townhomes): 12/2019 - 1,928 sales (up 11.3% over 12/2018); 12/2018 - 1,733 sales; 12/2017 - 1,891 sales; 12/2016 - 1,875 sales
• Closed Sales for single-family homes: 12/2019 - 1,242 sales (up 19.5% over 12/2018; 12/2018 - 1,039 sales; 12/2017 - 1,137 sales; 12/2016 - 1,188 sales

• Closed Sales for condos/townhomes: 12/2019 - 686 sales (down 1.2% from 12/2018); 12/2018 - 694 sales; 12/2017 - 754 sales; 12/2016 - 687 sales

• Combined New Listings - 12/2019 - 1,459 units (down 15.4% from 12/2018); 12/2018 - 1,724 units; 12/2017 - 1,581 units; 12/2016 - 1,675 units

• New Listings (single-family homes) - 12/2019 - 914 units; 12/2018 - 908 units; 12/2017 - 935 units; 12/2016 - 995 units

• New Listings (condos/townhomes) - 12/2019 - 545 units; 12/2018 - 816 units; 12/2017 - 646 units; 12/2016 - 680 units

• Inventory (combined active listings for single-family homes & condo/townhomes): 12/2019 - 4.580 units (down 21.4% from 12/2018); 12/2018 - 5,828 units; 12/2017 - 4,970 units; 12/2016 - 5,728 units

• Single-Family Inventory: 12/2019 - 2,556 units (down 23.1% from 12/2018); 12/2018 - 3,322 units; 12/2017 - 2,890 units; 12/2016 - 3,288 units

• Condo/Townhome Inventory: 12/2019 - 2,024 units (down 19.2% from 12/2018); 12/2018 - 2.506 units; 12/2017 - 2,080 units; 12/2016 - 2,440 units

• Median Price for single-family home: 12/2019 - $271,000 (up 8.4% over 12/2018); 12/2018 - $249,000; 12/2017 - $239,900; December 2016 - $222,250

• Median Price for condos/townhomes: 12/2019 - $188,500 (up 1.9% over 12/2018); 12/2018 - $185,000, 12/2017 - $162,000; December 2016 - $142,000

• Average Sales price for single-family homes: 12/2019 - $356,003 (up 8.9% over 12/2018); 12/2018 - $326,789; 12/2017 - $303,016; 12/2016 - $276,945

• Average Sales price for condo/townhomes: 12/2019 - $260,713 (down 14.3% from 12/2018); 12/2018 - $304,056; 12/2017 - $240,497; 12/2016 - $215,214

• Months supply of inventory for single-family homes: 12/2019 - 2.3 mos (down 23.3% from 12/2018); 12/2018 - 3 mos; 12/2017 - 2.5 mos; 12/16 - 2.8 mos

• Months supply of inventory for condos/townhomes: 2.7 mos (down 18.2% from 12/2018); 12/2018 - 3.3 mos; 12/2017 - 2.7 mos; 2016 - 3.4 mos

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In this episode, Nicole Saunches speaks with Ryan Thompson of Total Title Solutions regarding the pros and cons of iBuyers.

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For many decades, Florida has been the destination for retirees and empty nesters. And, who can blame them? The Sunshine State provides and abundance of sunshine, beautiful beaches and a variety of activities to partake in. 

I’ve noticed in my nearly five years as a real estate advisor that our industry devoted more attention towards encouraging and guiding first-time home buyers and those moving up to larger homes than it does in effectively addressing the needs of those seeking to ‘right-size’ or downsize their home-related lifestyle. Which is why I have put together a free report entitled Downsizing with Distinction. 

In this report I share:

• Decisions to consider prior to choosing to downsize
• Tips to consider when downsizing
• Is it the Right Time to Downsize Quiz
• Frequently Asked Questions
• Downsizing with Distinction Needs & Wants Assessment
• Downsizing Cost Analysis
• Overview regarding capital gains and losses
• Upgrades that boost your property value
• 5 steps to Downsizing with Distinction

To receive a copy of this free report, call or text me at 727-282-4335 or email me at nicole@nicolesaunches.com

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In this episode, Nicole Saunches speaks with Steve Kelly of All Western Mortgage about renovation loans.

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In this episode, Nicole Saunches speaks about appraisals and the appraisal process with John Barcelo of Valucentric.

For customers looking to secure a mortgage, it is good to know what an appraisal is and what is involved with the process. For consumers who haven't purchased or sold a property in the last several years, the regulations surrounding appraisals has changed quite a bit as a result of the real estate crash and nefarious practices by professionals in the real estate industry.

For cash buyers, appraisals and an appraisal contingency can be a great tool to ensure that a buyer is not overpaying for a property. I would recommend specifying that you would like to order an appraisal for the secondary market. These are the same type of appraisals that mortgage originators order when processing a transaction. The difference between information that can and can't be used in an appraisal for a private party versus the information utilized in an appraisal for the secondary market and necessary to meet the Fannie Mae or Freddie Mac guidelines.

USPAP (Uniform Standards of Professional Appraisal Practice) is the generally recognized ethical and performance standard for the appraisal profession in the United States and utilizes three approaches when determining appraisals.

1. Income Approach - in residential sales, this is typically used for rental properties or properties a homeowner is trying to create income from
2. Sales Comparison Approach - This approach uses data from recent and proximate sales from the subject property to determine a price. This is the most common approach used by residential mortgage companies.
3. Cost Approach - This approach helps to determine what it would cost to rebuild the structure. This approach is most often used in insurance claims and in new construction.

Also in this episode, John provides tips for a homeowner so they are able to maximize the property's value when selling their home. He also shares what information is beneficial for homeowners and/or listing agents to provide to the appraiser. He talks about which elements are most disputed in an appraisal and what a homeowner or prospective buyer can do when an appraisal does not meet the contract and/or list price. He points out that not all square footage is considered equal when it comes to accessory dwelling units, explains how appraisers approach square footage discrepancies and reveals an appraiser's viewpoint on price per square foot.

Finally, he talks about the AVM tool that Valuecentric offers. The AVM tool provides a property value and range of value for a property as well as the confidence level of the market recommendation. It defines the market status (buyer's market, seller's market or neutral). It includes data on sales for similar properties in the last year as well as a value forecast highlighting the property's value for the past five years and projecting it for the next three years. It also includes information on active listings and historical sales of similar comparables. It also provides data related to the gross living area, lot size, bedrooms, bathrooms, age of the home both for the subject properties and nearby properties in the neighborhood. The report also includes analysis for days on market for sold and de-listed properties, the months of supply, a market index showing the market status and the risk level for 1-year risk of decline. Finally, the report ends with a glossary.

For more information about John Barcelo and Valucentric, please check out their website at: valucentric.com. For homeowners, prospective buyers and/or prospective sellers who wish to order an AVM report or would like additional information about the appraisal process, they can call Valucentric at 813-252-1140.

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In this episode, Nicole Saunches outlines the six steps she takes to ensure a successful sale for her clients and to build and maintain a successful business by referral.

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In this episode, Nicole Saunches walks you through her six step process for helping buyers find their dream home.

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In this episode, Nicole Saunches speaks with Megan Galane from Mountain West IRA about utilizing a self-directed IRA to purchase investment properties or other alternative assets. Nicole felt it was important to record this episode because 1) a lot of people don’t know about self-directed IRSa; 2) a lot of people don’t know you can buy investment properties and alternative assets with a self-directed IRAs; and 3) to speak with someone who has a great deal of knowledge on the topic. And as a Certified IRA Services Provider (CISP), Megan is uniquely qualified. In this episode, Nicole and Megan discuss the different types of accounts offered by Mountain West IRA and their annual distribution limits, the most common use of self-directed IRAs, prohibited transactions, converting employer retirement plans (401k, 403b, 457, etc) to self-directed IRSa, transferring from one IRA to another, health savings accounts and the most creative use of self-directed IRAs that Megan has come across in her time with Mountain West IRA. If you would like to speak with Megan or a member of the Mountain West IRA Team, you can reach them by phone at 866-377–3311 or via email at accounts@mwira.com. Additionally, listeners can sign up for Mountain West IRA’s newsletter or access their webinars via their website: www.mwira.com And, finally, listeners are also encouraged to tune in to Megan’s Women Building Wealth Podcast.

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In this episode, Nicole Saunches interviews Chris Musto, Vice President of Mortgage Lending with Guaranteed Rate. When it comes to luxury homes, Guaranteed Rate is the #1 lender for jumbo loans and Coastal Properties Group, Christie’s International Real Estate is the #1 brokerage in Pinellas County for luxury sales, in particular waterfront sales and properties over $1M -- which makes the two a perfect pairing.  

Chris also provides his top 3 tips for buyers.  Additionally, Nicole and Chris also talk about St. Pete and the growth the city is experiencing, how recent tax changes have increased migration to Florida as well as whether or not new international flights at Tampa International Airport will impact the makeup of foreign buyers in the Tampa Bay area.

You can learn more about Chris here: https://www.rate.com/loan-expert/chrismusto

If you would like to speak with Chris, he can be reached by phone at 813-956-5170.  Be sure to tell him you heard him on the Selling St. Pete podcast!

And, if you like what you hear, please leave a review and feel free to reach out to Nicole and let her know if you have a question you would like answered or have a show topic to submit.

Thank you!

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Is your home or property properly insured? When was the last time you shopped for a new homeowners insurance policy or compared your rate? Are you insured for the current value of your home? Insurance carriers do renew their dwelling values and increase them accordingly. It’s important to make sure you are not under insured. In this episode, Nicole Saunches interviews Tracy Baer with North Shore Insurance. Tracy explains how insurance companies utilize information in the 4-point inspection to determine a property's eligibility for coverage.  Additionally, we discuss how a wind mitigation report can provide homeowners with discounts on their homeowner's policy - including some sizeable discounts!   And, we talk about flood insurance.  Did you know some private insurers provide policies for less than FEMA's $480/year policies for residents who do not live in a special flood hazard area (X or X500).  And, for residents in a special flood hazard area (AE, A, VE, etc), private insurers also provide additional options to the policies offered by FEMA. Finally, it is important to shop your policy once a year, especially if your rate goes up.  Tracy (and Northshore Insurance team) have been able to save people money without sacrificing a customer's coverage simply by shopping their policy/rates annually. If you would like to get a quote from Northshore Insurance or would like to reach out to Tracy with a question, you can reach her by phone at 727-896-5165 or via their website: https://www.northshoreinsurancegroup.com/

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In this episode, Nicole Saunches interviews Christine Shelton with Shelton Home Inspections. For most people buying a home is the largest investment and a home inspection is an inexpensive way to investigate the condition of a home. What is a home inspection? A home inspection is a systems and components inspection and giving a prospective buyer (or seller) the condition of a home.   In addition to a home inspection, many customers also choose to include a 4-Point Inspection, Wood-Destroying Organism (WDO) inspection (also known as a pest inspection or termite inspection) and to get a Wind Mitigation report.  

4-Point inspection, an inspection that tells the insurance company the underwriting questions they want answers to, will give consumers an idea if there are any red flags when it comes to obtaining a homeowner's insurance policy for the property.  Wind Mitigation report - lets consumers know if - or how much - of a discount they are eligible for as well as how hurricane-proof the property is. The inspector can also recommend changes the consumers could implement to improve the property to get additional discounts on their insurance policy. The discounts for opening protection can be significant.   WDO inspection - lets consumers know if there is any damage, activity and/or evidence related to wood-destroying organisms.  Christine also provides tips on how to spot the difference between evidence of dry wood termites vs subterranean termites.

To learn more about Christine & Steve Shelton and Shelton Home Inspection, you can visit their website at https://www.sheltonhomeinspections.com/

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In this episode, Nicole Saunches interviews Brian Brown with Old Republic Home Protection to discuss why a buyer, seller and/or homeowner would be interested in purchasing a home warranty.

Below are the top reasons in favor of purchasing a home warranty plan:

• Home Warranty plans can help offset or protect against unexpected costs of a major repair (Statistically, homeowners have a major repair in their first year of ownership 68% of the time)
• Provide peace of mind, especially for homeowners who are not handy with repairs
• Provide reliable tradesmen who carry at least $1M insurance policy

Did you know home warranty companies are able to replace and/or repair components for far less than what it would cost a homeowner calling on his or her own behalf. Why, you may ask? It's because home warranty companies order products & services in bulk and work out special labor rates with companies and are able to purchase products at wholesale costs.

The Top 3 claims for Old Republic Home Protection

1. Clearing sewer lines/Plumbing
2. AC
3. Appliance repair/replacement

Additionally, Brian answers to the following questions:

-What is a home warranty?

-What is the difference between my homeowner's insurance policy and a home warranty plan?

-What is the process to submit a claim?

-What do you recommend prospective customers look for when shopping for a home warranty plan?

-What is the difference between a deductible and a trade call fee?

Questions Brian recommends consumers should ask prospective home warranty companies:

-Do you cover all of the AC coolant?

-Do you cover the Florida Mandate for AC replacement? or If my AC failed, do you replace both air handler and condenser?

Old Republic Home Protection has a variety of resources for homeowners. Below are few I believe you will find handy.

Moving Guide

Final Walk-Thru Checklist

Home Maintenance Checklist

Frequently Asked Questions

Old Republic Home Protection website

If you would like to reach out to Brian Brown directly, you can email him at BrianB@orhp.com

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Real estate laws vary from state to state. Some states require the use of an attorney to facilitate a transaction. Florida is not an attorney state and transactions can be facilitated by title companies. In this episode, Nicole Saunches talks with John Ricker from Baxter Title about the role of the title company in a real estate transaction.

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In this episode, Nicole Saunches speaks with Ray Rau of VanDyk Mortgage about obtaining and utilizing VA Loans.  

This summer the Department of Veterans Affairs celebrated the 75th Anniversary of the GI Bill, which created the VA Home Loan Benefit.  And, this summer in Washington, DC the VA honored the recipient of the 24 millionth VA home loan since the benefit's inception 75 years ago.

Additionally, we dispel 10 myths surrounding VA loans.  

If you would like to speak with Ray Rau about obtaining a home loan, you can reach him by phone at 727-512-0497 or via email at rrau@vandykmortgage.com

If you would like to support Ray's efforts in providing honor flights for our US Veterans, you can make your donation here: https://www.gofundme.com/f/57689c-honor-flight-guardian

To see photos of Ray's jeep, click here: https://www.instagram.com/sellingstpetefl/

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Is your credit score costing you? In this podcast, Nicole Saunches and Arnold Bogerty discuss credit, the make-up of your credit score and dispel some credit myths. Did you know the rates you pay for insurance are based on your credit score? As are the rates you pay on interest-bearing loans. If your FICO score is less than a 750, you are paying higher interest rates and sometimes overpaying significantly.

Also - do you know your credit score changes based on the inquiry. Consumers have different scores for car loans, mortgages, consumer credit, insurance, etc. And - it's important to know the difference between your vantage score (what many consumer credit reporting companies such as Credit Karma and Check My Score provide to consumers) and your FICO score (what most institutions weigh more heavily when determining your loan eligibility and interest rate). In some cases, the vantage score and FICO score can vary more than 100 points!

This podcast is full of valuable information for anyone with an interest-bearing loan or looking to access capital.

If you are looking for ways to eliminate debt, one of the best tools I have come across is the Debt Shredder. Debt Shredder is a navigation system for your finances. It tells you the shortest, most effective way to get to your financial destination. It is a web-based program that uses the same financial strategies that banks use. Essentially, it teaches you how to bank like a bank.

For more information on Debt Shredder, please visit: www.shreddebtbuildwealth.com or call 727-282-4335 for a free, no obligation savings analysis to see how much Debt Shredder can save you.

A wise person once said, "Those who don't understand interest are doomed to pay it. And, those who do are destined to earn it."

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Nicole Saunches introduces herself and tells you what you can expect to hear on future episodes and gives you a sneak peek to an upcoming episode.