refi

Discover why mortgage refi's are back.

Ready for a great 2024?

As adults, we also can carry worries around that are similarly not logical, but we believe them.

We get strange ideas and beliefs about money, some come from stories and beliefs our parents had.

"Money doesn't grow on trees ya know" or "Do I look like I'm made of money?"

Yet there's nowhere simple to turn to find the right way to think about money.

You can try to figure it out on your own by reading magazines and books, but who has time to sort through all of the boring content to get to what you need?

That's why it is more important than ever that you have a place to ask questions and be given a simple recipe to follow, where you can just plug in all of the ingredients for success.

Gone are the days of being kept in the dark, not understanding how to grow your money or where advisors were making mistakes.

Now it is easier than ever to take control of your money, gain confidence and have a real understanding of what to do and how to do it.

Because the difference between earning 10% a year in your investments or 0.5% in a savings account, is the difference between having a winter home and a summer home or being a burden on your kids (no one wants that, but sometimes it becomes necessary for people who never were able to compound their money well0.

For example: "If you contribute $5,000 to a Roth IRA every year for forty years and earn 10 percent, you will end up with $2,660,555..." - You're Already a Wealth Heiress, p. 48.

No, it is not guaranteed, but it is learnable. Remember, wealth is about knowledge.

I want you to move forward into a more prosperous 2024.

To loosely quote Einstein, the same thinking that got you here isn't going to get you to where you want to go.

The thinking has to be different.

Now is a good time to start making plans for what you need to do to get where you want to go. ⠀⠀⠀

That’s why for a limited time, I am offering a 50% savings on the Be Wealthy & Smart VIP Experience.

When you become part of my exclusive inner investing circle you will receive:

• A monthly webinar where I share forecasts about our stocks, crypto and other investments, performance, and provide time for live Q & A with me
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This is all valuable, but what is the most valuable is the peace of mind you get because my forecasts have been on point.

What is your plan to achieve financial freedom and make positive progress in 2024?

To get your plan for financial freedom, join the Be Wealthy & Smart VIP Experience.

For the 50% savings, be sure to use code "SAVE50" at checkout.

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WEALTH MENTORING LIBRARY OF PODCASTS

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Be Wealthy & Smart, is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor™. Learn simple steps that make a big difference to your financial freedom. 

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Ever dreamt of a world where finance fuels regeneration instead of depletion? That's what our guests TeRex, Sam, and Sophia Dew aim to create and we’re lucky enough to hear about their innovative projects on today's episode. We delve into the intriguing world of the Traditional Dream Factory, a groundbreaking endeavor to build a network of provable regenerative villages powered by blockchain technology. You'll also get a sneak peek to Refi Week @ Traditional Dream Factory.

Bring your curiosity as we venture into the promising potential of ecological benefits Hypercerts for tracking impact claims, providing an additional source of revenue for regenerative stewards of the Earth. We also chat about the upcoming ETH Online Hackathon, pushing the boundaries of regenerative finance space. Join us as we uncover how the future of finance will be a game-changer for our environment.

Ever wondered how blockchain technology can support regenerative farming? Join us as we explore the fascinating intersection of regenerative agriculture and innovative tech with our guest, Kyle Sullivan, Director of Marketing and Communications at White Buffalo Land Trust. Kyle takes us on a captivating journey through their unique approach to land stewardship, illuminating innovative practices at the 1,000-acre ranch in Lompoc, California. From raising cattle to growing olives and pinot noir wine, Kyle shares how they are redefining farming while staying true to principles of land stewardship and regeneration.

We explore the power of NFTs in fostering community engagement and hear all about how White Buffalo is leveraging NFTs and blockchain technology to connect and engage with various communities, all while advancing their mission of land regeneration and community building. This isn’t your average loyalty program - it's a unique initiative offering exclusive rewards and experiences to members, from exclusive wines to custom butchered meat, olive oils, and more. 

We wrap up our chat with Kyle as he emphasizes the collective momentum that’s essential to drive forward the mission of the White Buffalo Land Trust. We discuss how they are using storytelling through blockchain technology and NFTs to build community loyalty, offering members access to exclusive content and rewards. The conversation underscores the power and potential of blockchain technology in supporting their mission of regeneration and community building. Don't miss this unique opportunity to explore how regenerative farming and innovative tech can unite to create a sustainable future!

This story was originally published on HackerNoon at: https://hackernoon.com/empowering-the-shoe-shiner-regenerative-finance-unleashes-the-power-of-investment-for-all.
Decentralized finance differentiates itself from the traditional financial incentives. It democratizes financial services and opportunities that would so
Check more stories related to finance at: https://hackernoon.com/c/finance. You can also check exclusive content about #investing, #finance, #refi, #web3, #defi, #cryptocurrencies, #technology, #decentralized-finance, and more.

This story was written by: @lillgibbons. Learn more about this writer by checking @lillgibbons's about page, and for more stories, please visit hackernoon.com.

Regenerative Finance, aka ReFi, is offering us the chance to shift towards long-term financial incentives associated with the creation of low-carbon assets. The technology is offering accessibility, transparency, and immutability. Regenerative finance provides a way for individuals to support and invest in larger issues facing the world like never before.

Un épisode hors série en anglais sur un sujet qui nous tient à coeur : la finance régénérative ! Kesako ? C'est dans cet épisode avec un échange sur les NFT en seconde partie. 

Et en anglais : 

Here is more info on the ReFi events organized by Decentralized Desires during the last Paris Blockchain Week in Paris in March 2023, with Jeanne Bloch and Leticia Prados. 

ReFi (Regenerative Finance) means leveraging the blockchain (decentralization, redefining value, incentivization) to address sustainability issues. Decentralized Desires addresses "Deep Regeneration", the cultural and structural change -new belief systems, value based tech infrastructures, new collaboration models- needed in order to turn organisations into vibrant change agents in the context of today’s Life crisis. 

Contacts:

Jeanne Bloch sur LinkedIn

Leticia Prados sur Linkedin  

Pour nous suivre :
@CaroleStromboni et @thomasgermond sur Twitter et notre podcast @wagmipod

https://twitter.com/WagmiPod

contact@wagmipodcast.com 

Autre podcast de Carole sur l'innovation (Innover en pratique) : https://linktr.ee/llinks 

Montage : Simon Lauris  

Et partagez cet épisode autour de vous ＼(＾▽＾)／         

On this episode of the Pocket Change Podcast, Kay Carroll, Director of Mortgage Sales and Services at Leaders Credit Union, talks about what a first-time homebuyer should know when navigating the homebuying process. The process of buying a home for the first time can be a daunting and overwhelming experience, especially for those who are not familiar. This podcast is dedicated to helping first-time homebuyers navigate the complexities of the home-buying process by providing valuable insights, tips, and advice from industry experts. 

Highlights: 

2:00-2:30 – How much down payment do you need to buy a house 

5:13-6:15 - The importance of credit reports 

9:44-10:32 – Understanding the mortgage lingo 

11:27-12:07 – Pre-Qualifications can set you a part as a buyer 

14:05-15:04 - What to look for in a realtor 

17:03-17:45 – Leaders refi assurance offer 

If you're ready to start the homebuyer journey, speak with a Leaders mortgage champion by visiting https://www.leaderscu.com/home-loans/champions

Learn more about all of Leaders home loan options at https://www.leaderscu.com/home-loans

*No Lender Fees Offer redeemable toward all lender fees except interest rate discount points, lock extension fees, rate re-lock fees, and prepaid daily interest due at closing. No Appraisal Cost Offer redeemable toward recipient’s actual appraisal cost or $500, whichever is less. Lender fee credit and appraisal credit will appear on final closing disclosures. To redeem offer, provide this card prior to initial loan disclosures and card expiration date. Offer only valid when all the following conditions are met: (1) the offer is redeemed by the recipient toward refinance of a first lien, owner occupied residential mortgage loan of $100,000 or more closed with Leaders Credit Union (Leaders); (2) Leaders originated the recipient’s initial purchase mortgage on the property; (3) since the recipient’s initial purchase mortgage, no subsequent refinance of the property has occurred; and (4) the recipient has made at least six consecutive payments on the initial purchase mortgage during the scheduled payment period in which they were due. Offer not valid on modification, conversion, or refinance of short-term financing, including but not limited to, construction or bridge loans. Offer may be subject to additional terms, conditions, restrictions, and product exclusions, all of which may change without notice. Offer and mortgage loans are subject to underwriting guidelines and approval. Offer may not: (a) be used in conjunction with any other down payment or cost assistance programs; (b) be combined with other Leaders offers, promotions, or incentives; (c) be transferred to another borrower; or (d) be redeemed for cash. Leaders employees are not eligible. Recipient is solely responsible for any personal tax liability arising out of this offer.

Please meet Alejandro Adon of Kokonut Network.

Based in the Dominican Republic, Kokonut Network provides blockchain governance and open-source accounting to the agricultural industry. Their mission is to promote, organize, fund, and manage coconut farms around the world.

https://kokonut.network/

As a blockchain-based cooperative, Kokonut aims to develop and manage a network of coconut farms, all connected by web3. Their main goal is to address the worldwide lack of funding for agricultural projects. Kokonut helps farmers get the funds they need while creating opportunities for web3 communities by giving them access to perpetual natural assets. Kokonut uses a DAO framework for decision-making and allocating treasury funds.

This episode is part of the Gitcoin Climate Series. Gitcoin is matching $333,000 for #climate as part of the Gitcoin Alpha Round.

Please support the project by going to gitcoin.basin.global and adding all grants to your "ballot". Every donation helps no matter how small. With quadratic funding, it is not the $ amount that matters, it is the # of donors. Support your favorite climate project today!

This episode is brought to you by .basin which is perpetual place-based climate and nature finance. .basin scales land, ecosystem, and carbon sink restoration and conservation to solve the climate, nature, and carbon crises.

In This Episode:

00:03 Gitcoin Climate Solutions
00:36 (chapters forthcoming)

The Impact App (TIA) and Eco Labs' mission is to make Regeneration an Occupation, where anyone can make a living healing our planet and restoring ecosystems as a Regenerator. They are weaving together technologies to help Regenerators issue Ecological Assets at any scale.

This episode is part of the Gitcoin Climate Series. Gitcoin is matching $333,000 for #climate as part of the Gitcoin Alpha Round.

Please support the project by going to gitcoin.basin.global and adding all grants to your "ballot". Every donation helps no matter how small. With quadratic funding, it is not the $ amount that matters, it is the # of donors. Support your favorite climate project today!

This episode is brought to you by .basin which is perpetual place-based climate and nature finance. .basin scales land, ecosystem, and carbon sink restoration and conservation to solve the climate, nature, and carbon crises.

In This Episode:

00:03 Gitcoin Climate Solutions
00:36 (chapters forthcoming)

#regeneration #ecosystems

ReFiDAO is a founder-led startup community on a mission
to accelerate impact for people and planet.

TMO is joined today by #ReFi legend John Ellison @climateXcrypto. John is leading the #RegenerativeFinance movement by always asking: How do we transform an extractive capitalist system into a regenerative economy that can heal the earth?

This episode is part of the Gitcoin Climate Series. Gitcoin is matching $333,000 for #climate as part of the Gitcoin Alpha Round.

Please support the project by going to gitcoin.basin.global and adding all grants to your "ballot". Every donation helps no matter how small. With quadratic funding, it is not the $ amount that matters, it is the # of donors. Support your favorite climate project today!

This episode is brought to you by .basin which is perpetual place-based climate and nature finance. .basin scales land, ecosystem, and carbon sink restoration and conservation to solve the climate, nature, and carbon crises.

This episode is part of the Gitcoin Climate Series. Gitcoin is matching $333,000 for #climate as part of the Gitcoin Alpha Round.

This segment is with Pranav Khanna of ReFi By South.

ReFi by South is a community building project with a goal to localize and scale climate action - through technology and community organizing using regenerative finance (ReFi) in the global South.

Please support the project by going to gitcoin.basin.global and adding all grants to your "ballot". Every donation helps no matter how small. With quadratic funding, it is not the $ amount that matters, it is the # of donors. Support your favorite climate project today!

This episode is brought to you by .basin which is perpetual place-based climate and nature finance. .basin scales land, ecosystem, and carbon sink restoration and conservation to solve the climate, nature, and carbon crises.

In This Episode:

00:03 Gitcoin Climate Solutions
00:36 (chapters forthcoming)

RWA for ReFi

Real World Asset Projects in Gitcoin GR15 from ReFiFriday RWA Twitter Space


Gitcoin is not just for software! GR15 is funding millions of dollars for public goods, including, real on the ground, real world asset projects (RWA’s).

Check out these RWA projects, almost all being built for ReFi (Regenerative Finance), ranging from climate, law, legal, solar, trees, real estate, property, endangered species, energy, art, NFT’s, aquifers, water, building reuse, regenerative agriculture, carbon, nature, impact and more….

Learn about and donate to these 39 awesome projects even if just a $1 or DAI or USDC each.... Only $39....

https://gitcoin.co/grants/explorer/?collection_id=31570

00:00:20 Stay Open. Pod hotel communities for digital nomads in repurposed buildings. NFT membership: Stay Pass. Seed funding @staydao
00:02:10 adaptive reuse of buildings, functionally obsolete buildings, digital nomad aspect 
00:03:30 open space, nature component, interoperable composable real estate and public art 
00:04:00 property could be used for nature, biodiversity, carbon sequestration, or, this part of the, this building can be used for educational purposes, by opening up smart contracts like basically mini lease agreements. 
00:05:00 funding public goods - blockchain, web3, open source software, climate, decentralized science, equity, diversity, inclusion, DeSci, ReSci, MRV, dMRV
00:05:50 RWA property real world assets.
00:06:10 Metaverse to IRL: tying it back to real on the ground climate action, social impact, nature action, overlap with refi and RWA. 
00:06:50 Lex DAO - legal engineering | crypto law
00:07:10 taterDAO Real world assets on-chain. Agriculture / Real Estate. RWA / Blockchain
00:07:20 RWA Consortium and KaliDAO LLC - When DAOs get real with real property. LexDao baby DAO forged with ETH and Ricardian series LLC.
00:09:40 quadratic funding and refi orbs!!
00:10:50 web3beach Social and environmental impact in Honduras 
00:14:20 ReCommon (RegenCLT)Establishing common ground for the resilient communities of our future where natural building, permaculture, Web3 economics, good urbanism, and regen ag meet.
00:18:10 rights of nature. Endangered Tokens: Invest in a Tree - Preserve-&-Earn - Tokenizing Endangered Trees & preserving them
00:24:40 ECORISE FINANCE - Blockchain solution for investing in Natural Capital an IMPACTDAO
00:27:30 Ben West from Gitcoin - https://twitter.com/BenWest
00:29:00 Blue Morpha Ocean Innovations - Climate-tech, Ocean-tech, Decentralized Utility Cooperative 
00:31:10 New Atlantis Ocean Regen & Marine Biodiversity Metagenomics
00:31:20 Regen Network around stewardship and practice based methodologies
00:31:40 SilviDAO is helping build economic and coordination tools to contribute to the trillion tree target.
00:35:20 angry teenagers TheAngryTeenagers 4,900 Angry Teenagers are coming to Tezos! They're living in a dystopian present. They're here to bring destroyed land back to life and create a better world
00:49:30 CougarDAO and basinDAO all these different real world asset projects
00:49:40 RWA stack, basinStack: Subsurface rights or air rights or legal or title, biodiversity and water, quality, water, quantity social impact carbon, habitat, defi apps we see a use case for insurance debt, equity, liquidity. 
00:51:10 Ogallala Life: Ancient roots, global inspiration and web3 tools to rehydrate the high plains
00:53:10 block Explorer. Catalyzing Web3 education especially focused on NFTs, Impact, Community + Regenerative Finance
00:54:50 Helios☀️ - next gen financial infrastructure powering high impact solar projects in emerging markets
01:03:10 harmony with nature - Ostrom's principles for managing the commons.
01:07:00 Khalon Bridge - Advancing the web3 economy in Africa by building a new world
01:14:50 regenerative agriculture movement - Ed Bourgeois -50+ yrs farming and food systems experience local to global - innovations and global farmer transition strategies
01:16:00 lease agreements, the contracts, climate lease
01:18:10 #ReFiFriday.
01:19:50 perpetual stewardship
01:20:10 Regen Hemp farmers in Turkey
01:21:40 MRV 101
01:24:40 Alejandro - Kokonut Network - Building the Infrastructure to Connect Web3 with Agriculture - "Unlimited Scalable Perpetual Nature Backed Assets"
01:25:50 RWA Circle at ReFiDAO - ReFi Founder's Circles - a cohort-based peer network of ReFi founders that meet regularly and get access to support from leading product, development design, and legal DAOs
01:26:10 Darren ReFi Bootcamp and ReGen Knowledge Graph and centree
01:27:20 $BASIN - sourcing and discovering properties for regenerative projects: climate carbon and nature projects. Scaling land restoration and conservation and the value of natural capital.
01:28:40 Rex St John - Organizing web3 ecosystems and communities. Developer Relations - ReFiSummit Organizer
01:30:00 White House Natural Capital / Natural Assets
01:30:50 proof of elephant

#021 RSIRE Using An Accountant To Watch Your Bottom Line

You want to be a real estate investor…perhaps you already own a few properties, but do you have a good handle on the finances of your investments? What can be written off? What can’t be? Can you pay your self as property manager? Is my HELOC deposit taxable?

MIKE LIBBY is a Durham-based Chief Operations Offices of Your bottom Line, an accounting firm that works with many self-employed persons and investors. Whether it’s personal income or corporate entities, Mike can help you figure it all out, to make sure you are getting the most money back, and not paying more than you have to.

In this podcast, Mike shares some of the stories in his many years of helping others, and Denise asks some specific questions from an investor perspective.

Join host award winning mortgage broker Denise Laframboise each week as she brings the good, the bad and the just plain ugly in real estate transactions, as told by real people. Success stories and tips on how to avoid the same pitfalls. We'd love you to please like, subscribe, follow and share these amazing stories.

To get in touch with Denise:

Web: http://DeniseLaframboise.ca
Email: mortgage@DeniseLaframboise.ca 
Phone: 289-645-1568 ext 1

#020 RSIRE Buying A House In Rough Shape

KAELEIGH NADEAU is a Durham-based designer and renovator that found a great 2nd investment property.

The house was cute, but it was currently tenanted and was dirty, which make it harder to see the potential. She did a walk through and as a designer, could see what she wanted opened up, and what was to be closed off.

Were there horrors lurking behind the walls? Yep, wiring, etc. but she dealt with them, as she does most days for her clients.

What did Kaeleigh learn? Would she do it the same way again? What advice does she have for others considering the process? Does she have regrets?

Join host award winning mortgage broker Denise Laframboise each week as she brings the good, the bad and the just plain ugly in real estate transactions, as told by real people. Success stories and tips on how to avoid the same pitfalls. We'd love you to please like, subscribe, follow and share these amazing stories.

To get in touch with Denise:

Web: http://DeniseLaframboise.ca
Email: mortgage@DeniseLaframboise.ca 
Phone: 289-645-1568 ext 1

#019 RSIRE Using Equity To Buy A Rental Properties

CRISTIN TEDFORD is a Durham-based realtor that decided to advantage of the equity in her family home to purchase another property, to eventually help her kids have a place to live.

Was it easy, was it a hands-off investment? No, but there is no other single investment vehicle that gives you the control and flexibility that real estate offers.

Did she have problems with tenants? YES! Did it last forever? No, once she got her screening process refined, it was smooth sailing. And Cristin shares many other lessons learned and tips/tools to help you succeed in real estate investing!

What did Cristin learn? Would she do it the same way again? What advice does she have for others considering the process? And Cristin has TWO regrets involving real estate, that you’ll have to listen to hear.

Join host award winning mortgage broker Denise Laframboise each week as she brings the good, the bad and the just plain ugly in real estate transactions, as told by real people. Success stories and tips on how to avoid the same pitfalls. We'd love you to please like, subscribe, follow and share these amazing stories.

To get in touch with Denise:

Web: http://DeniseLaframboise.ca
Email: mortgage@DeniseLaframboise.ca 
Phone: 289-645-1568 ext 1

Mo has some great ideas to consider when making your financial resolutions for 2022.  Topics covered include developing a serious spending plan, considering refi, eliminating debt, and boosting your retirement savings.

CloudVestors

See omnystudio.com/listener for privacy information.

John Milano of Genesee Regional Bank can be reached at

jmilano@grbbank or 585-737-9690

Learn why now is the best time to refinance your mortgage.

The article is here.

Are you investing well for financial freedom...or not?

Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest, makes a huge difference to your financial future and lifestyle.

If you only knew where to invest for the long-term, what a difference it would make, because the difference between investing $100k and earning 2% or 10% on your money over 30 years, is the difference between it growing to $181,136 or $1,744,940, an increase of over $1.5 million dollars.

Your compounding rate, and how well you invest, matters! 

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Extending the special offer, enjoy a 50% savings on the VIP Experience. More information is here or have a complimentary consultation with Linda to answer your questions. For an appointment to talk, click here.

PLEASE REVIEW THE SHOW ON ITUNES

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I suggest you get the audio book of Think and Grow Rich, or you can check out my website Resources page where I list all of my favorite financial books and you see exactly what books I have read and recommend you read. Then get started with Audible by visiting https://lindapjones.com/FreeBook and order your first audio book free! Get Think and Grow Rich or another book from my recommend list, and be sure to get started checking off the books you want to read with your free book from Audible!

Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America’s Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. 

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Dave Savage, Founder of Mortgage Coach, has over twenty-seven years of experience as a mortgage executive, business leader, and mobile technology pioneer. As the founder of SmartReply, Dave established a leading presence in mobile marketing. By launching Mortgage Coach, Dave has helped tens of thousands of loan officers and millions of homeowners make confident, informed mortgage decisions. Dave is passionate about leveraging mobile technology to reinvent the home buying experience. Dave Savage joins the Data Driven Real Estate Podcast to share trends in the mortgage space during the pandemic, a survey of the players in the market, how mortgage brokers are competing with disruptors, and how 

Get your questions answered on the upcoming show by posting your questions in our community: https://bit.ly/ddre-16

On this special Bonus episode of The Crushing Debt Podcast, we talk about Governor DeSantis's Executive Order, No. 20-94 regarding a stay on mortgage foreclosures and evictions in Florida based on COVID-19.

You can find the Executive Order here.

We also interview our friend, Bill Mantooth the Area Manager for Loan Depot, the largest purchase mortgage lender in the Country, about mortgage forbearances, refinances and modifications. If used correctly, a forbearance can give you some additional room in your budget over the next 3 - 12 months.  Used improperly, a forbearance may lead to foreclosure.  Learn the differences in this bonus episode.

You can contact Bill at Bill@BillMantooth.com.

If you have questions for me, Shawn@YesnerLaw.com, or www.YesnerLaw.com. We would appreciate if you would share this content with someone you know who has questions about foreclosure, forbearance, evictions, refinances, and modifications.