Bunch of Aussie talking about Warhammer 40k. The RLG40k folks do like to ramble and are a casual competitive group that likes to share.We will talk about stuff, mostly 40k battle reports, hobby progress, tactics and of course key topics that challenge the world as you see it.
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A show hosted by gays, discussing topics/issues relating to the LGBTQ+ community. For more information visit us at reallifegays.com. Instagram / Twitter - @reallifegays
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Listen along to this podcast or watch the videos of each episode at https://community.ridgelendinggroup.com or YouTube.com/RidgeLendingGroup Ridge Lending Group (RLG) is a nationwide lender and second-generation company specializing in residential investment property financing. But the heart of Ridge Lending Group is our commitment to the continued education and success of our clients.There is a reason that we are the #1 choice for so many repeat clients and referrals. Ridge Lending Group re ...
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Send us a Text Message. This month the folk have a look at the mental side of the hobby. From discussing how to handle big wins or big loss to a brief look at how some may deal with other neurodivergent aspects. Support the Show. Enjoying the podcast and want to help support it? There are many ways to do so. You can be a monthly supporter - https:/…
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Send us a Text Message. We adore our miniatures, cherish the game, and relish competing against each other. But how do we craft the ultimate roster or even just a fun one? The team explores the various tools available that help you organise your miniatures into a legal formation for battling your friends. Support the Show. Enjoying the podcast and …
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Send us a Text Message. How much does the lore of the game mean to you? Does it influence the way you build a lits, paint a mini or choose a faction? Does the lore have any actual impact on the game itself? Has the storyline advanced at all? The folk delve into the lore of the game and discuss the impact it has on the hobby. Support the Show. Enjoy…
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Send us a Text Message. How big is that gun? Lets have a look at some the over the top stuff that is happening in 10th edition right now. Should you be able to destroy a titanic unit in one shot? Does the limit of CP make that much difference? How do you get the most bang for buck when it comes to the 300+points single model unit? Support the Show.…
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Episode 73 - Battle Shocked and Appalled
1:37:52
1:37:52
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Send us a Text Message. This month the crew have a look at morale in 10th edition 40k. Is it still a critical part of the game? Previous editions, losing morale was devestating to your force and gave reason for having a friendly commissar with istol ready to restore faith in the emperor's protection. Now we forget how to hold a flag and lose the ab…
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Self Employed Income Calculation Crash Course
15:44
15:44
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The first episode of "Now You Know" with Caeli Ridge is here ! Caeli is going to walk you through calculating your income for mortgage loans as a self-employed person and what this means when applying for a mortgage loan. For more education and access to live events join our Community here ! https://community.ridgelendinggroup.com/events/live-with-…
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Remote Real Estate Investing: Pros, Cons & Tips
33:42
33:42
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Caeli Ridge recorded this episode on 2/20/2024 Remote Real Estate Investing : Pros, Cons & Tips Caeli details the Pros, Cons and Tips to Master Remote Real Estate Investing including diversifying portfolios, thorough research, build reliable local teams, embracing technology, finding reliable property managing partnerships and other topics! https:/…
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Episode 72 - They Giveth, They Taketh
1:58:05
1:58:05
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Send us a Text Message. New Balance Dataslate but how balanced is it? The team have a quick gander at key changes and provide their thoughts on winners and losers. Listen to Greg get exciting about Drukhari! Hear about the the percieved impact on Aeldari. Will it change thier lists going forward? Why are indirect units and aircraft the black sheep …
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When is the Right Time to Refi? Let’s do the Math!
34:25
34:25
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Caeli Ridge recorded this episode on 2/6/2024 When is the Right Time to Refi? Let’s do the Math! In today's call Caeli discussed the things you should be looking at when you are deciding whether or not to refinance your property. She outlines the checklist that she would recommend you doing before making your decision, to cover all of your bases an…
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Guest Speaker Sam Parker with My Credit Guy
53:17
53:17
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Caeli Ridge recorded this episode on 1/23/2024 Guest Speaker Sam Parker with My Credit Guy Sam Parker of My Credit Guy joins the podcast today to talk about credit, credit repair, the percentages of the different points that make up your credit score, and some really interesting tips and tricks of the trade for building your credit and maintaining …
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Episode 71 - Looking Into The Warp 2024
1:48:27
1:48:27
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Send us a Text Message. It is a new year and Greg, Adam and Anthony discuss what they think will hapen in the hobby. What are the predictions for 2024 and what does GW have installed? What are the wishlist and how likely will they happen? What are the hiobby challenges of the year? Support the Show. Enjoying the podcast and want to help support it?…
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Creative Financing Strategies for Non-Owner Occupied Portfolios
43:09
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Caeli Ridge recorded this episode on 1/2/2024 Creative Financing Strategies for Non-Owner Occupied Portfolios Caeli Ridge discusses some really creative options that Ridge Lending Group can offer as it relates to purchases and refinances. Ever wondered about some alternative ways to get funding for your next home or investment property? Tune it to …
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Risk Management: Understanding Through a Lenders Perspective
21:25
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Caeli Ridge recorded this episode on 12/26/2023 Risk Management: Understanding Through a Lenders Perspective Caeli Ridge will go through the understanding of risk management as it pertains to the lender, so that investors can have a better understanding of what is going on behind the scenes when it comes to investing in real estate. She will round …
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Episode 70 - What Have You Done For Me Lately, GW? 2023
1:52:50
1:52:50
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Send us a Text Message. The folk have a long hard look at themselves, looking back on their predictions for the year and their personal goals. How do you think they went? We get in reviewing the hobby year that was 2023. There were big releases, lots of rumours and enough space marines datacards to start more than a small fire. How did your predict…
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Staying Consistent Long After the New Years Resolutions are Forgotten
49:55
49:55
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Caeli Ridge recorded this episode on 12/12/2023 Guest Speaker Brent Widman from Southwestern Consulting joins today as our guest speaker. Caeli and Brent have a great Q&A on what it means to stay consistent in life and discuss the power of writing your goals down in order to achieve them. They discuss many personal insights on what it means to be s…
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How to Confirm Property Taxes via County Tax Assessor
48:27
48:27
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Caeli Ridge recorded this episode on 11/28/2023 Have you ever been hit with a property tax bill that far exceeded your expectations? You've come to the right place ! Caeli breaks down property tax definitions for us as well as showing us how you can know exactly what you'll be paying in property taxes based on the county in which your property resi…
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Send us a Text Message. Warhammer+ has been around for a while now. It boasts painting guides, battle reports and more excitingly, orginal animation. But is it enough? What do we want to get out of Warhammer+? And where does Hanry Cavil/ and Amazon's announcement fit? What do you think this TV show will be about? Will we see space marines throwing …
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Guest Speaker Alex Hines- How to Turn $40K into a $160K Investment Property & Get Passive Income !
46:42
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Guest Speaker Alex Hines Caeli Ridge pre-recorded this episode on 11/3/2023 Caeli and Guest Speaker ( & Ridge Lending Group Borrower) Alex Hines discuss how he has been so successful in real estate investing in just the few years he has been doing it. They go into detail about his properties and how he has been able to fix and flip while still turn…
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Send us a Text Message. Adam and Greg attended their first tournment this month thanks to ScottyD's words of encouragement from episode 66. It was a 27 player tournment, Greg took his Death Guard to prove a point, Adam took his Chaos Daemon horde to spread the joy and another member of the RLG40k group, Chris, took his almost meta Aeldari. So how d…
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How to Prepare for Year-End-Investor Push for Tax Write-Offs
31:25
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Edit Delete How to Prepare for Year-End-Investor Push for Tax Write-Offs Description Caeli Ridge pre-recorded this episode on 10/17/2023 Caeli dives into how to prepare for the year-end closings and investor pushes for tax write-offs. 98% of our industry is only focused on non-owner-occupied transactions. For non-owner-occupied transactions, the en…
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New Product Alert! Cross Collateralization Line of Credit for Investment Properties
5:54
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Caeli Ridge pre-recorded this episode on 10/3/2023 Caeli introduces a new product Ridge Lending Group has - Cross Collateralization Line of Credit for Investment Properties! Individual or Multi-Unit Properties, Residential or Commercial Housing up to 24 units. Starts as minimum line amount of 1 million, and goes all the way to 25 million. 80% LTV, …
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Episode 67 - Meta? I Barely Knew Her.
1:26:46
1:26:46
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Send us a Text Message. The folk talk about Meta and in particular the pros & cons of Meta Chasing. What is meta chasing? Is it a good thing? Is it a new thing or has it been here forever? Support the Show. Enjoying the podcast and want to help support it? There are many ways to do so. You can be a monthly supporter - https://www.buzzsprout.com/164…
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Guest Speaker Daniel Paloscio with SEP Capital
56:05
56:05
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Caeli Ridge recorded this episode on 9/19/2023 Guest Speaker Daniel Paloscio This week’s guest speaker is Daniel Paloscio from SEP Capital. He is a seasoned private lender with more than a decade of experience in residential real estate. His track record includes over 600 loans successfully closed since 2013. This extensive experience in the indust…
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Caeli Ridge recorded this episode on 9/5/2023 uDirect IRA Services with Special Guest Speaker Kaaren Hall Kaaren Hall founded and made a resounding success of uDirect IRA Services. She discovered a strategic way to put her 20+ year experience in mortgage banking, real estate and property management to use. The solution was an untapped market for bo…
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The Income Snowball with Special Guest Tanisha Souza
1:00:36
1:00:36
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Caeli Ridge recorded this episode on 8/29/2023 The Income Snowball with Tanisha Souza from Tardus Wealth Strategies Tanisha presents her Income Snowball method of acquiring rental properties and how to build a real estate portfolio fast in any market. She details how Tardus and their patented calculator can help you in achieving financial freedom. …
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Episode 66 - An Interview with a TO
2:29:50
2:29:50
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Send us a Text Message. GUEST STAR!! ScottyD of AustralisTWN has been kind enough to join us to talk all things tournaments. The folks talk with ScottyD on whats involved in running a tournament, and what impact 10th ed has. We discuss - what happens if there is a player cheating? What advice do you have for people interested in trying a tournament…
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Caeli Ridge recorded this episode on 8/15/2023 Amortized vs. Interest Only Loans This week Caeli will be going into detail about Amortized (Close Ended) vs. Interest Only (Open Ended) Loans. She will highlight the differences and when you should be looking at either one as an option for your next loan transaction depending on your scenario. Check o…
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DSCR vs. Conventional Loans & How to Compare Percentages of LTV's.
40:48
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Caeli Ridge recorded this episode on 8/1/2023 DSCR vs. Conventional Loans & How to Compare Percentages of LTV's. Tune in to this week's Calling All Real Estate Investors live event with Caeli to learn the differences between a DSCR (Debt Service Coverage Ratio) Loan and a Conventional Loan. Caeli will also review how to do the math when comparing L…
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Send us a Text Message. 10th Edition has now been around for a few weeks. What do we think of it? The crew discuss the launch experience, the actual gameplay and the aftermath of all of it. Is 10th edition good? Are we still excited now Leviathan has been out for a few weeks? Is Adam going to stay awake for the whole episode? Support the Show. Enjo…
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Recourse Vs. Non-Recourse Loans & a Surprise!
37:59
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Caeli Ridge recorded this episode on 7/25/2023 Recourse vs. Non-Recourse Loans Caeli provides an overview of what recourse and non-recourse loans are and in what situations you would choose one over the other. She details that the difference in rates and terms between the two options is significant, and that she does not see a place for non-recours…
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Caeli Ridge recorded this episode on 7/18/2023 Short Term Rental Tips and Tricks Curveball! This week Caeli does a brief overview of what an amortized loan is vs. an interest only loan, with a short pro & con list of each. She will come back next week with a deeper dive and some great visual aids. Caeli discusses the topic for our July Newsletter w…
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To Pay or Not to Pay Points, That is the Question
56:08
56:08
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Caeli Ridge recorded this episode on 7/11/2023 To Pay or Not to Pay Points, That is the Question. And it might be a trick question... During this episode Caeli details how to figure out what your interest rate will be.. the old school way. By using a chart and, say it with me "Doing the Math" :) This breakdown explains why interest rates end of bei…
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Top 10 Things TO DO During a Loan Transaction
49:59
49:59
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Caeli Ridge recorded this episode on 6/27/2023 Caeli details Ridge Lending Group's list of the Top 10 Things TO DO during a loan transaction. Some of this list may resonate easily with you, while with others you may have never thought of their importance. Tune in to hear Caeli's insight and expertise on the list. A spirited Q & A from our members d…
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Episode 64 - Its Almost Here. Is Anyone Ready For It?
2:00:44
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Send us a Text Message. 10th Edition is almost here. There is excitment, apprehension and some anger. But why are folks angry? With all the leaks, are we sure this is a good eidtion? Have GW done enough to soothe all players (the impossible task) Join Greg, Mike, Mark and Mark explore what we know, what we hope and what has happened so far. Be warn…
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Top 10 Things TO NOT DO During a Loan Transaction
24:04
24:04
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Caeli Ridge recorded this episode on 6/20/2023 Caeli details Ridge Lending Group's list of the Top 10 Things TO NOT DO during a loan transaction. This list shows some easy mistakes that can be made to delay or even make you unqualified during the loan transaction. Some may be obvious to you, while others you may have never thought of. All are impor…
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Caeli Ridge recorded this episode on 6/13/2023 During this episode, Caeli Ridge discusses Cash Out Refi Rules and has a lively Q&A with participants who are vying for a prize! Pop Quiz style, Caeli Ridge talks BRRR, and Cash Out Refi Scenarios. Check out the video with the screen share and the documentation in the Community. You can join these live…
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Different Credit Requirements for Investor Loans
18:28
18:28
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Caeli Ridge recorded this episode on 6/6/2023 During this episode, Caeli Ridge discusses the score qualifications per loan product, the minimum tradelines required, the minimum length of credit and the credit score optimization review. Check out the video with the screen share and the documentation in the Community. You can join these live each wee…
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Send us a Text Message. Games Workshop has been producing so many choices in games and models but have they gone overboard? How can they sustain the demand on models while support so many core games and specialist games? They couldnt get the Lion launch right and 10th Ed is going to be bigger. How will they handle it? Support the Show. Enjoying the…
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Guest Speaker John Dingeman: Expert Appraisal Discussion
59:49
59:49
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Caeli Ridge hosted this episode on 5/16/2023 Guest Speaker John Dingeman with Class Valuation Appraisers was on the show today discussing with Caeli and the community his expert knowledge of appraising property, and how to overall understand an appraisal as it relates to investment type properties. John ran us through some scenarios and showed us h…
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Caeli Ridge recorded this episode on 5/9/2023 This episode outlines and sets the expectations for the third and fourth video calls within the Certified Power Buyer (CPB) program hosted by Caeli Ridge, available at Ridge Lending Group. These are free educational calls for real estate investors looking for information and guidance from Caeli Ridge. T…
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Caeli Ridge recorded this episode on 5/2/2023 This episode outlines and sets the expectations for the first two video calls within the Certified Power Buyer (CPB) program hosted by Caeli Ridge, available at Ridge Lending Group at no cost. These are free educational video calls for real estate investors looking for information and guidance from Cael…
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Part 2 : Important Property Review Mistakes and How to Avoid Them
52:02
52:02
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Caeli Ridge hosted this episode on 4/25/2023 Last week we went over some property review mistakes and there was so much to talk about that we are going into part 2 for this episode! Caeli Ridge will finish explaining which mistakes you can avoid, and how to avoid them. Open Discussion and Q&A to follow. Check out the video with the screen share and…
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Episode 62 - 10th Edition is Coming....So Now What?
1:33:04
1:33:04
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Send us a Text Message. 10th Edition was announced and GW have been providing the Big Drip of information. But what does it mean for the hobby right now? While we wait for a new edition, do we continue as normal? Are you buying new minis? Or are you on hold until 10th Drops? Maybe this is the time to attack the Pile of Potential? And what do you th…
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Important Property Review Mistakes and How to Avoid Them
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Caeli Ridge hosted this episode on 4/18/2023 Learn about important property review mistakes and how to avoid them. Caeli Ridge explains what to know when dealing with property review, with an open discussion and Q&A. Open conversations about this topic and more... Check out the video with the screen share and the documentation in the Community. You…
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Caeli Ridge hosted this episode on 4/11/2023 Caeli Ridge will be going through and showing you how to use and fill out Ridge Lending Groups new 'Investor Investment Profile'. You will learn how Ridge Lending Group uses this information to help you find opportunities for your real estate investment ventures. Open conversations about this topic and m…
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No Doc Loans are Back (April Fools) but Let's Discuss our Creative Loan Programs
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Caeli Ridge hosted this episode on 4/4/2023 On this podcast episode, Caeli Ridge will be going over all of the creative ways you can borrow money with Ridge Lending Group! This includes Conventional, Debt Service Coverage Ratio Loans, Bank Statement Programs, Asset Depletion Programs, All-in-One HELOC (Primary Home, Second Home, Investment Home), C…
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Why Diversification in Your Real Estate Portfolio Matters
54:25
54:25
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Caeli Ridge hosted this episode on 3/28/2023 In this episodes discussion, Caeli Ridge is going to explain why diversification in your real estate portfolio matters and what you can do about it. Open conversations about this topic and more... Check out the video with the screen share and the documentation in the Community. You can join these live ea…
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Episode 61 - Are You the Gatekeeper?
1:23:53
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Send us a Text Message. The folk have a look at the increase of gatekeeping in the 40k hobby. What is gatekeeping and is it a bad thing? Hint: More often than not, yes. But is there a good way to gatekeep? What is the impact of gatekeeping? What makes people think they can tell people how to hobby? There is a fair bit of passion in this one. Nomad …
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What is the Biggest Fear Holding You Back From Investing in Real Estate Right Now?
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Caeli Ridge hosted this episode on 3/21/2023 What is the biggest fear holding you back from investing in Real Estate right now? This episode holds an open mic discussion with members of the Ridge Lending Group Community as they talk about their fears and concerns regarding investing in real estate- followed up by Caeli Ridge's advice for them. Cael…
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What Will Jerome Powell (Fed Chair) Tell Us on March 21st?
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Caeli Ridge hosted this episode on 3/14/2023 The Feds are meeting again at the end of March. What does this mean for interest rates immediately and for the rest of 2023? Caeli will give her predictions, with no guarantee that her crystal ball holds all the answers. Open conversations about this topic and more... Check out the video with the screen …
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