All Ships Rising

:15 Intro to Libby Kyros who is a loan officer with Guaranteed Rate, her line of work, and tips for non W2 workers 2:07 Types of clients she works with and the process of helping them through the loan process 2:51 If the client needs guidance through the process financial goals are discussed  3:35 Her company offers a concierge refinance team 5:49 Being comfortable in your current mortgage payment...

Subject Points:    :42 - Intro to Libby Kyros and her knowledge of interest rates 2:20 - Why are interest rates doing what they are doing?  3:30 - What is the federal funds rate?  6:45 - How mortgage rates are determined 7:50 - When is it best for investors to take a step back? 9:02 - When the stock market isn't great no one tells you not to put money in your 401 K 9:55 - If rates go down, not onl...

Subject Points:  :37 Introduction 1:30 Handling things head-on has been major growth 2:07 Taking inventory of loving people around you when things are tough 4:14 I hope this lifts your spirit 4:54 "Taking refuge" 6:45 Wrapping up   Resources Mentioned: https://allshipsrising.com/ High Yield Savings account: WealthFront – 5.00-5.50%! Legal Zoom  

Subject Points:    :22 Intro 1:00 Creating a will makes it easier for your family members when you pass 1:40 If you don't have a will it goes to probate 2:20 A will can take up to 10 minutes, legal zoom exists to help with this process.  2:25 People who bought a house 20 years ago, saw a huge increase in value 4:05 A trust can pass on a property that has gained value over time 5:30 A will is the c...

Subject Points: :21 - Intro 1:40 - Talking about manifestation in Istanbul 2:47 - Receiving the advice of waiting for what shows up 3:16 - Success that came with making a major decision 4:19 - Seeing the results of mental focus and committing to a vision 5:00 - The how to move forward when you are not good at making a decision 5:36 - Borrowing a friend's method of a manifesting journaling 6:36 - B...

Subject Points: :19 - Intro :56 - Empathic types can feel so many emotions beyond themselves 2:11 - As a child having a hard time figuring out which feelings were my own 3:39 - Realizing I was interpreting my dance teacher's nervous energy as mine 4:27 - Mentally imagining a space between self and others 5:10 - Realizing that most of the intense feelings weren't mine and I needed to create mental...

Subject Points:    :26- 1:15 - Intro 1:45 - Trying to piece together the path forward 2:22 - Most people feel behind these days 4:03 - Mentally inhabiting a space keeps you stuck 5:02 - Indecision is the killer of abundance 7:20 - Feeling healthy in my body took priority 8:40 - There is a lot of pressure on wealth-building in society 9:28 - The feeling of guilt exists when we do things for our goo...

Subject Points:  3:00  - What red flags should I walk away from? 4:00 - There's a solution to everything! (But you might not want to pay it) 5:30 – How can you tell a property can make money? Looking at the most conservative situation in terms of rental income. 7:00 – Prioritizing what will optimize the efficiency of the building "Is someone going to pay you more rent for that?" – Good question to...

Subject Points: 1:-3:00 Intro to Kaili and NAR comments 4:30: Starting out – finding a more permanent place to live. Ended up with a 4 unit 6:30: Renovated one of the units, moved in, saved on rent and spent on renovating more units 8:00: Buying one property a year. Putting larger mortgage on several properties when rates were low, and pulling out equity to buy 2 more buildings. 9:45: LLCs vs Trus...

Subject Points:  :38 - Intro. 2:23 - Should I Buy with my Boyfriend?  2:36 - Reasons to partner with someone to buy. 3:15 -  Legal ramifications of buying with someone. 5:25 - Always seek legal counsel. 7:02 - Your home is potentially one of the most expensive purchases you will make.  9:02 - Savings to consider in addition to the downpayment.  12:49 - A condo as a first property. 13:30 - HOAs 19:...

Subject Points: 0-2:00 Intro. 2:00 Making a plan to save up for a downpayment 4:00 Expense factors when owning – mortgage, taxes, insurance, utilities, repairs, expenses to move, and down payment   Factoring 1% of the building's cost for yearly repairs 6:00 Upfront costs – ideally at least 5%+ as a downpayment 8:00 Making decisions ahead of time about where any extra or unexpected money will be de...

Subject Points: 1:00 Intro. 2:00 Eating out and Amazon. 4:00 Evaluating your spending is the first step in understanding how to handle your budget 5:00 Downloading or printing out 6-12 months of spending from your bank, credit card, or amazon account can give invaluable information. 7:00 Two types of people – guardrails or excel users! 10:00 Keeping money out of your reach if you're a spender. 12:...

Subject Points:  :30 - Intro 1:00 - The emotionality attached to money 2:00 - Money relationship started in childhood  3:10 - The hard lessons of learning the value of money 4:00- Shifting money mindset to giving more 5:17 - Women's financial advice centers around saving 6:12 - The genderfication of money advice 7:15 - Women's products are more expensive than men's  12:07 - Laxing spending habit t...

Subject Points: 1:00 Intro 3:00 Dark to sudden light! 10:00 Serendipity 14:00 Never give up! 18:00 Introspection 22: Wrap up     Resources Mentioned: https://allshipsrising.com/ Vanguard or Fidelity Roth IRA account https://open.alliantcreditunion.com/products https://wealthfront.com https://www.wealthfront.com/c/affiliates/invited/AFFB-J75A-34KN-PW9Z  

Subject Points: 2:00 Intro 4:00 Starting the buying process – Having a long-term vision 5:00 Savings mentality 9:00 Talking to a lender before searching on Zillow! 12:00 Interviewing multiple lenders and agents 14:00 First house love 18:00 Types of financing 21:00 Offer not accepted 25: wrap up     Resources Mentioned: https://allshipsrising.com/ Vanguard or Fidelity Roth IRA account https://open....

Subject Points: 1:00 Intro 2:00 Katie's background 5:00 Downpayment fears 9:00 What type of home is right for me? 13:00 Ups and downs of the process 17:00 Overly attached to ideas 21:00 Escape route – Commitment Phobia 25:00 Wrap up     Resources Mentioned: https://allshipsrising.com/ Vanguard or Fidelity Roth IRA account https://open.alliantcreditunion.com/products https://wealthfront.com https:/...

#14 – "Hello Again!"   Timing Points: 0-1:30: Intro and Story 2:00 Story about personal hang ups 5:30: 2 Questions from the Audience 6:00: – "Should I Re-Finance, Cash-out Re-Finance, or Sell? What's the best option?" 8:00: What is a H.E.L.O.C (Home Equity Line Of Credit) 11:00: The right choice for you might be different than what other people choose to do, because your options might be unique 13...

A conversation with Bethany! Ah ha! I know you don't want to hear about budgeting; it's not my favorite topic either. However, it's an important tool. Bethany shares her own perspective and tips and tricks as a single woman on how to plan and maintain a budget, which she says gives her "guilt-free spending." Enjoy!   Resources Mentioned: https://allshipsrising.com/ Dave Ramsey https://www.ramseyso...

Timing Points: 0-2:00: Intro  2:00: Finding a real estate agent. 4:50: How does a real estate get paid? 7:45: Eliza's question – "Maximizing write-offs while being able to buy a second property." 8:30: The Burr Method – using cash-out refinancing to repeat the buying process over and over. 10:00: My personal experience trying to cash-out refi. 12:00: Tax write offs lower your declared income. 14:1...

Timing Points: 0-2:00: Intro  2:00: The 3 things that are contributing to being stuck financially 5:00: Making a plan 7:00: Multiple directions of money and receiving 10:00: Money as energy – mud season 12:00: Make a decision! There is no wrong decision! 13:00: Care for other people 14:00: Summary: 3 things to get out of a pay check to pay check cycle 15:00: A bit of history for the ladies out the...

Timing Points: 0-2:00: Intro to Clara 2:00: Being on vs off a personal routine 3:00: Mindset – serving others 5:00: The 80/20 Principle – managing Time 9:00: Leaning into intention in your work life 15:15: Forming habits – being an early bird 18:00: Clara's big "Why" 26:00: Focusing on others instead of personal fear 30:00: If you don't like where you are, move! 32:30: Gratitude and joy as part of...

Timing Points: 0-3:00: Intro to savings 3:30: Hard times lead to good things 4:15: Buckets of money and personality types 5:45: Short-term savings are liquid and easy to access  7:05: Compounding interest in a savings account 11:30: Long-term savings – IRAs and the difference between them 13:15: Taxable vs tax-advantaged 15:30: Take advantage of any savings-matching accounts that your company offe...

Timing Points: 0-2:00: Intro  2:00: Intention is our word of the year! 3:00: Franny's latest project – a TV show! Mantra – "I am beyond doubt!" 5:00: – Our greatest fear is that "we are powerful beyond measure." A Return to Love 7:00: Time as infinite energy 10:30: Do we manifest differently based on our personality? Law of Attraction 12:00: You're manifesting the version of yourself that has the...

Timing Points: 0-2:00: Intro  2:30: Francesca's background and relationship to money 5:45: Love Coach – taking unusual paths to create a job you love! 6:45: First step in manifesting is declaring or claiming what it is that you want  8:45: Miracles happen when you lean in and say "Yes!" 12:15: The work is to stay true to yourself 13:00:  "Ah ha" moments are addictive  15:00: Old beliefs and how th...