Best Dda Podcasts (2024)

1
MakeGood - Using the Latest Tech to Create an Accessible World 49:54

2h ago49:54

49:54

Noam Platt is the founder of MakeGood, an organization in Louisiana specializing in designing and building devices for people with disabilities. We caught up with him about how new technologies are making it easier and cheaper to build an accessible world.By communicationsz8

1
What happens after the rates come down 3:32

15h ago3:32

3:32

We know when the interest rates drop the following will happen 1. refinancing to a lower rate 2. consolidating debt into one lower payment 3. First-time home buyers will be coming out to buy 4. There will be downsizing of homes with the lower rates 5. There will be upsizing on homes with the lower rates 18 to 29-year-olds still living at home will …

1
Catalysts for Care 20:23

9h ago20:23

20:23

John talks to Lee, Lucy and Sue about the Catalysts for Care project running across the counties of Pembrokeshire, Carmarthenshire and Ceredigion. One of the Micro-Enterprise leaders, Janette, is mentioned in this episode. You can view the Catalysts for Care directory here: https://planed.org.uk/projects/catalysts-for-care/…

1
When do you think Interest rates will really come down? 4:58

7d ago4:58

4:58

The Government is printing 1 trillion every 100 days, we are over 35 trillion in debt today, and we are spending 1/3 of the debt is interest payments of total revenue coming in, next year it will have 1/2. so I feel the probability of rates coming down is great at some point down the road. You can see the 10-year has come down from 5% to 3.81%, whi…

1
You are not in a flood zone, not a bad idea to get Flood Insurance 4:28

7d ago4:28

4:28

Whether to get flood insurance outside of a designated flood zone depends on various factors, including your location, property value, risk tolerance, and financial situation. Here are some points to consider: Flood Risk Outside of Flood Zones: Even if you're not in a high-risk flood zone, flooding can still occur due to factors like heavy rainfall…

1
different ways of paying off your mortgage sooner 5:54

11d ago5:54

5:54

Paying off your mortgage earlier can save you money on interest and give you financial freedom sooner. Here are some strategies to help you achieve this goal: 1. Make Extra Payments Biweekly Payments: Instead of making one monthly payment, make half of your mortgage payment every two weeks. This results in 26 half-payments or 13 full payments each …

1
Is it accurate the credit scores you are pulling 3:35

19d ago3:35

3:35

Why is it that when you pull your credit scores it is usually not the same as when you have one pulled for a mortgage? Credit Karma is a great source but the scores are usually not spot on the value is that when you make payments or make changes the scores will change and a great tool to monitor the scores. Also, when you look at Discover or what y…

1
Portability and homestead and what you need to know 3:39

27d ago3:39

3:39

The concepts of real estate portability and homestead are key aspects of property tax laws in some jurisdictions, notably in states like Florida. Here's an overview of each: Real Estate Portability Real estate portability, particularly in the context of Florida, refers to the ability of homeowners to transfer some or all of their accrued property t…

1
Audio: Chairperson’s concluding remarks

1M ago

—

Trade Policy Review: China The ninth review of the trade policies and practices of China takes place on 17 and 19 July 2024. The basis for the review is a report by the WTO Secretariat and a report by the Government of China.By WTO

1
What is the process like for a Reverse Mortgage 5:59

2M ago5:59

5:59

I like to see what is available for you by getting your age and the approximate value of your home. Once we have that and go over what you may have available, we encourage you to get take the Gov't class which costs about $190. You have a 3rd party that goes over all the details of a Reverse Mortgage making sure you understand everything and it mak…

1
What happens after your home closing with all the mail coming to you? 3:55

2M ago3:55

3:55

After closing on a mortgage, many new homeowners notice a significant increase in the amount of unsolicited mail, often referred to as "junk mail." Here's why this happens and what you can expect: Why You Receive More Junk Mail Public Records: When you close on a mortgage, the transaction becomes a matter of public record. Companies that sell produ…

1
Do you have enough insurance coverage with all the appreciation on your home 2:58

2M ago2:58

2:58

How long has it been since you have lived in your home? what did you pay for it back then and what is the value today after all of the home appreciation? Maybe it is time to call your insurance agent and ensure you have replacement coverage. Our home has been our wealth over the years and I think it is important to make sure you are well covered. t…

1
PMI is different on FHA, VA, and Conventional Mortgages 4:51

2M ago4:51

4:51

VA Mortgages have no monthly PMI, they have a funding fee that goes on top of the loan and it varies from a first-time VA buyer to a second-time user if there is a certain percentage of disability then no funding fee. With an FHA Mortgage, there is an upfront funding fee of 1.75% and a .55 factor for monthly PMI. Now for Conventional Mortgages, the…

1
The loan limits for FHA, Va, and Conventional 3:28

2M ago3:28

3:28

For Conventional loans, limits are now at $766,550 before entering Jumbo territory. You can buy a home for $806,842 putting 5% down and still be Conventional. Now for FHA the loan limit is $498,257. you can buy a home for $516,328 putting 3.5% down now A VA mortgage can go up to $2,000,000 with no money down. 100% financing up to $2,000,000 With th…

1
A DSCR loan uses rental income only to qualify for a mortgage on an investment property 4:49

3M ago4:49

4:49

A residential DSCR (Debt Service Coverage Ratio) loan is a type of mortgage typically used for investment properties, where the approval and terms of the loan are based on the property’s income rather than the borrower’s personal income. The DSCR is a measure of a property's ability to generate enough income to cover its debt obligations. Here's a …

1
Accessibility on Vancouver Island 34:03

3M ago34:03

34:03

He moved to Canada about 20 years ago from the UK and never left. We chat with accessibility consultant Ramesh Lad who aims to make Vancouver Island accessible to all. TRANSCRIPT 00:08 Welcome again to DDA's Encouraging Abilities podcast, where we chat about everything disability related. I'm your host, DDA Communications Manager, Evan Kelly. Now w…

1
Needing only 1 year's return for the self-employed for the last 5 years for a Conventional Mortgage 4:15

3M ago4:15

4:15

I learned a hard lesson on a loan last year, I had a borrower who was self-employed for the last 2 years but another company was self-employed for 3 years. I took that loan as a non-QM with a higher rate. The borrower had another broker run it and required only 1 year's return and he qualified which lost me the deal. He would not have qualified for…

1
Why use a Mortgage Broker 6:33

3M ago6:33

6:33

Mortgage brokers are intermediaries between borrowers and lenders, offering assistance in finding and securing mortgage loans. Here's what they typically provide: Access to Multiple Lenders: Mortgage brokers work with a variety of lenders, including banks, credit unions, and private lenders. This allows them to offer borrowers a range of options to…

1
Theatre Terrific - Expanding the Horizons for Anyone With the Acting Bug 42:19

3M ago42:19

42:19

Laen Herschler knows his live theatre. The UBC PhD student has taken the reins of Vancouver's inclusive Theatre Terrific and encourages anyone of any ability to get involved. TRANSCRIPT Theatre Terrific – Expanding the Horizons for Anyone With the Acting Bug 00:09 Okay, we are back for another edition of DDA's encouraging abilities podcast. I am yo…

1
What you need to know about FHA203k 6:00

3M ago6:00

6:00

There are two main types of FHA 203(k) loans: Standard 203(k) Loan: This is for more extensive renovations and repairs, including structural changes and repairs that exceed $35,000. The loan amount is based on the projected value of the property after the renovations. Limited 203(k) Loan: This is for less extensive renovations and repairs, typicall…

1
Filling the Gap - Leash of Hope Assistance Dogs 37:18

3M ago37:18

37:18

It's a long process, and it's not cheap. We chat with the founders of Leash of Hope Assistance Dogs who are doing everything possible to meet the demand for service dogs to help the world become more accessible for people with disabilities. TRANSCRIPT Filling the Gap - Leash of Hope Assistance Dogs 00:04 We are back with DDA's Encouraging Abilities…

1
What are the 3 different types of FHA Mortgages 4:34

4M ago4:34

4:34

1. Regular FHA where you can put down 3.5% have lower credit scores, higher income debt ratios 2. FHA203k - Mortgage you can do with an added feature of having Home improvements where you buy a home and get things done like a new roof, air conditioning, etc ., and have it all in one. 3. I am going to catch you on this one, did you know that Reverse…

1
Mortgages and Inflation 5:38

4M ago5:38

5:38

The Gov't is printing 1 trillion every 100 days, and the costs of everything are out of control. The time will come when they will be printing a trillion every 30 days. Credit cards, car loans, and student loans are at unprecedented levels is it time to refinance your home to save money and then do another refinance as a rate term when the pivot ha…

1
What opportunities are their for First-Time Homebuyers 4:21

4M ago4:21

4:21

Depending on where you live there is an opportunity in certain areas that you can get $2,500 towards the closing costs. You also get a lower rate and monthly PMI. Programs open up to you where there is down payment assistance and also the 1% down program available. I am seeing more and more first-time home buyers coming out now and this is informat…

1
What is going on with interest rates 5:32

4M ago5:32

5:32

Rates are moving up now and several factors could be contributing to it, the 1 trillion dollars that the gov't is printing every 100 days could be inflationary. so what I see happening is there will have to be an event that happens to drop rates like we experienced in 2020. We will be paying 1.6 trillion in interest expense annually starting at the…

1
What do you need to know about VA Mortgage 4:53

5M ago4:53

4:53

Competitive Interest Rates: VA loans often offer competitive interest rates compared to conventional loans, making them an attractive option for eligible borrowers. Flexible Credit Requirements: VA loans typically have more flexible credit requirements compared to conventional loans, making them accessible to borrowers with less-than-perfect credit…

1
Getting an FHA203k or a Conventional Renovation Mortgage 5:07

5M ago5:07

5:07

With More homes going on the market, people losing jobs and the cost of everything going up, when a home comes on the market it may need a New Roof, A/c, floors, kitchen, and or bathroom. With an FHA 203k or a Conventional renovation loan, you can have that done when buying the home. An opportunity to include that in the mortgage so you do not have…

1
Elliot Hedley: Disability Advocate One Song and One Documentary at a Time 33:33

5M ago33:33

33:33

The disability community must have self-advocates. Meet Elliot Hedley, budding songwriter, filmmaker, and screenwriter on why being a voice for his community is so important. TRANSCRIPT Elliot Hedley: Disability Advocate One Song and One Documentary at a Time 00:19 Welcome back to DDA's Encouraging Abilities podcast. I'm your host, DDA Communicatio…

1
What different type of mortgages are there 6:44

5M ago6:44

6:44

You have Conventional Mortgages, FNMA/FHMC, FHA, VA, Reverse Mortgages, Bank Statement loans, DSCR, Reverse Mortgages, and 1099 mortgages. Depending on your particular situation, could be a choice based on credit scores, income, funds to close Buying a home using Bank statements to qualify for a mortgage Buying a home using a 1099 only to qualify f…

1
Refinancing your mortgage using the blended rate 4:08

5M ago4:08

4:08

What if you refinanced your lower-rate first mortgage into a higher rate but consolidated all of your debt into one low payment. Getting rid of credit cards, car loans, installment loans, and student loans. What would your savings be a month and how much would you save? Then if property values were ever to plummet and rates came crashing down. Just…

1
Standing at the Intersection of Race and Disability is Rabia Khedr 39:34

5M ago39:34

39:34

It's one thing to have a disability and feel left out, it's another to be part of a marginalized group as well. We chat with Rabia Khedr, founder of Race and Disability Canada in this Encouraging Abilities podcast. TRANSCRIPT Standing at the Intersection of Race and Disability is Rabia Khedr 00:06 Welcome once again to DDA's Encouraging Abilities p…

1
1% down for the purchase of your home 2:49

5M ago2:49

2:49

First-time homebuyers put down 1%, and the lender gives you 2% towards the down payment, no strings, and no liens. You have 3% down and now work on getting the seller to pay closing costs of up to 3%. Working on a loan right now where the purchase price is $238,000, the 1% down is $2,380 the lender is giving $4,760 and the seller is paying 6,000 of…

1
Bridge loans for commercial loans and residential flip properties 3:18

6M ago3:18

3:18

Bridge loan to acquire, renovate, and stabilize a multifamily investment property. When the rents are under the market and the units are outdated. This program allows you to acquire a property below market value and make cosmetic upgrades to increase rents. how about capitalizing the fit-up of retail/office investment property? We also have flip-fi…

1
CURIKO - Filling the Spaces in Between 1:11:04

6M ago1:11:04

1:11:04

Community inclusion for people with developmental disabilities is and always will be a driving force for DDA. However, here in 2024, some new players and organizations are emerging to fill the spaces in between to help broaden horizons and cultivate relationships for people of all abilities. Say hello to CURIKO. TRANSCRIPT CURIKO – Filling the Spac…

1
Is a Reverse Mortgage tabboo 6:17

6M ago6:17

6:17

Do you not tell anyone that you have one? Are there others in similar situations Spouse and has passed on, only fixed income such as social security. Are food costs going up along with Medical? It is time to get a HECM - a line of credit to help you in your later years of life, Have your children be involved and everyone learn how a Reverse Mortgag…

1
Dr Edward Jones 31:52

6M ago31:52

31:52

Dr Edward Jones from Bangor University talks to Iwan from PLANED about the event he will be hosting and facilitating on community enterprises and local regeneration, but also reflecting on the wider movement of local economic innovation across Wales, with examples including Wrexham, Y Felinheli, Llanelli, and Crymych all highlighted.…

1
DSCR - using the rental income only to qualify for an investment property 5:11

6M ago5:11

5:11

DSCR (Debt Service Coverage Ratio): DSCR is a financial ratio that measures a company's ability to meet its debt obligations. In the context of loans, it typically refers to the ratio of a property's net operating income to its debt obligations, including mortgage payments. A higher DSCR indicates a better ability to cover debt payments. Non-Qualif…

1
Sorcery in Stitches: A Guide to Jujutsu Kaisen Plush Must-Haves 4:03

6M ago4:03

4:03

Enter the mystical realm of Jujutsu Kaisen, where the supernatural meets the cuddly in the form of plush companions. In this enchanting guide, we'll explore the world of "Sorcery in Stitches," offering insight into the must-have Jujutsu Kaisen plushies that weave a spell of adoration and charm for fans of this beloved anime and manga. 1. The Cursed…

1
Project Cadarnhad's First Year 27:51

6M ago27:51

27:51

Iwan talks to John about the PLANED project that focuses on recognising the skills and experience of people in South West Wales and awarding Agored Cymru certificates to promote self-confidence and improve wellbeing. In this episode John mentions the commercial aspect of the project: Puffin Learning which has its own website https://puffinlearning.…

1
From Game to Hug: Blox Fruits Plushies for True Fans 4:15

6M ago4:15

4:15

Embark on a plushie-filled journey as we explore the enchanting world where Blox Fruits, the popular Roblox game, comes to life in the form of huggable companions. For true fans and gamers, the transition from virtual adventures to real-world cuddles has never been more delightful. In this blog post, we'll unravel the magic of "From Game to Hug," d…

1
From Screen to Shelf: The Allure of Ghibli Figures for Collectors 4:06

6M ago4:06

4:06

Step into the magical world of Studio Ghibli, where enchanting characters from beloved animated films come to life in the form of exquisite figures. For collectors and fans alike, the allure of Ghibli figures goes beyond simple admiration – it's a tangible connection to the fantastical universes crafted by the studio's visionary creators. In this b…

1
Anthropomorphic Bliss: Unwrapping the Joy of Smiling Critters Plush Toys 4:11

6M ago4:11

4:11

Step into a world where joy comes in small, colorful packages with zippers, enchanting smiles, and unique scents – the world of Smiling Critters Plush Toys. These adorable anthropomorphic animals bring a sense of blissful delight to anyone lucky enough to unwrap their plush embrace. In this blog post, we'll take you on a journey into the heart of "…

1
Using Business Bank Statements to qualify for a mortgage 3:48

6M ago3:48

3:48

12-month business bank statement loans" typically refer to a type of loan program where a borrower's income is determined based on their business bank statements rather than traditional income documentation such as tax returns or pay stubs. This type of loan is often categorized as a Non-Qualified Mortgage (Non-QM) because it doesn't meet the crite…

1
Buying a home that is still in probate, what could go wrong? 5:05

7M ago5:05

5:05

Why list a home when it is in probate? Anything can happen during probate, it is hard to lock in an interest rate and notify the landlord if you are a renter giving a 30-day notice. They never seem to work out on schedule which is why it makes it difficult for all parties. When you are told that it is almost done, like my present client who has bee…

1
Challenging the Scientific Publication 33:34

7M ago33:34

33:34

How can we make sure the practices of disseminating research findings evolve with the times? The primary means of dissemination is publication. And while the contents of scientific publications have changed a lot over the last 100 years, the methods and structure of publication have seen relatively few changes, and most of them only in the last 10 …

1
The Life That's Chosen Me - From Russia With Love 40:15

7M ago40:15

40:15

Making personal sacrifices for your partner's career is one thing, creating a home in several countries while at the same time caring for a severely disabled child is another. We caught up with Rachelle Rosolofo-Czerwinski to talk about her new memoir, The Life That's Chosen Me - From Russia With Love. TRANSCRIPT The Life That’s Chosen Me – From Ru…

1
Need a little extra income to qualify for a mortgage and over 59 1/2 years old 5:25

7M ago5:25

5:25

If you are over 59 1/2 and have a retirement account, you can use monthly distributions to qualify for a mortgage. You must have 36 months of payments in order to use the income. If you need 500 a month and if you calculate out 36 months that is 18,000 in your retirement account and you have that or more then you can use that as income. It's a grea…

1
A list of things you need to know about Condos 6:24

7M ago6:24

6:24

Find out if you have a dog and what is the weight they accept. I just had a deal fall through due to the dog weighing 40 pounds and the weight allowed was 25 pounds. If they have an engineering report done review it. Are they going to charge an assessment? or association fees going up? You need to do your homework. If the budget has more than 10% r…

1
Beyond the Game: Creating a Cozy Corner with Baldur's Gate 3 Plush Toys 3:31

7M ago3:31

3:31

As the world of Baldur's Gate 3 comes to life on our screens with its epic storylines and immersive gameplay, fans of the series can now extend their love for this iconic universe beyond the digital realm. With the release of an adorable line of Baldur's Gate 3 plush toys, enthusiasts can bring a touch of Faerûn into their homes, creating a cozy co…

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