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My GRCC Story

Grand Rapids Community College

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Grand Rapids Community College students are inspiring. They overcome challenges. They are leaders. And they have great stories to tell. We hear from students about their journey to GRCC, the people who helped them along the way, and their dreams for the future. We also talk with the staff, faculty, and community members who work hard to empower students. What’s your GRCC story?
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Do you remember the first time you watched The Wizard of Oz? The familiar pair of red shoes that sparkle as Dorothy skips down the yellow brick road, a rare collector’s item worth millions. In the summer of 2005, a pair was stolen from the Judy Garland Museum in the small town of Grand Rapids, Minnesota. No Place Like Home follows a classic heist story against the nostalgic backdrop of one of the most famous movies and Hollywood props of all time. Journalist Ariel Ramchandani and editor Seyw ...
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Anatomy of Addiction

Host: Marilyn Spiller

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Trusted addiction and recovery experts and advocates are discussing the most effective ways of combatting addiction and living well in recovery (and having fun while doing so). We also host The Recovery Tea, which features innovations in eating disorder treatment and recovery. Special Guests: Rae Green, JD, LPC, CAADC, Alec Green, Sanford Behavioral Health Managing Director, Dr. Anna Flores, and others. Sponsored by Sanford Behavioral Health, serving Greater Grand Rapids, Michigan, and beyon ...
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John Wesley Powell was a pioneer American explorer, ethnologist, and geologist in the 19th Century. In 1869 he set out to explore the Colorado and the Grand Canyon. He gathered nine men, four boats and food for ten months and set out from Green River, Wyoming, on May 24. Passing through dangerous rapids, the group passed down the Green River to its confluence with the Colorado River (then also known as the Grand River upriver from the junction), near present-day Moab, Utah. The expedition’s ...
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show series
 
There are a large number of investing strategies you could pursue as a real estate investor: Nomad™, house hacking, fix and flip, buying 20% down rentals, buying 25% down rentals, saving up to buy free and clear rentals and many, many more options. Which is the best? Which gets you to financial independence fastest? Which gives you the highest net …
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Deal Alchemy™ - Increasing Down Payment There are four primary returns from investing in rental properties: appreciation, cash flow, debt paydown, and the tax benefits of depreciation. Additionally, there is a secondary return in the form of the interest earned on the reserves required to make the investment in the first place. Many real estate inv…
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Warning - Risks of Rental Property Expenses When Investing in Real Estate Risk is all around us. When we choose to invest in anything, we’re choosing to take on the additional risk characteristics of that investment. For example, when we choose to invest in real estate, we choose to take on the risk characteristics of the specific real estate inves…
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How to Analyze a New Construction Single-Family Home Property in Grand Rapids Your ability to analyze deals is arguably the most important skill as a real estate investor. It allows you to make smart investment decisions and helps you avoid making career-ending bad decisions, such as buying cash-flowing-sucking vampire properties. In this class, Ja…
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The 3 Strategies to Pay Private Mortgage Insurance (PMI) Whether they're putting 15% down and buying a non-owner-occupied property or utilizing an owner-occupied loan with 0%, 3%, 3.5%, or 5% down for Nomading™ or house hacking, some real estate investors will choose to put less than 20% down. With the decision to put less than 20% down comes the c…
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Investing in real estate is full of truthy-sounding falsehoods: it is always better to do X than Y. However, if you were crazy enough to sit down and do the math, you'd find the truth to be much more nuanced. For example, should you take all your extra cash flow and savings and apply it to your mortgages each month to pay off rental properties fast…
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Deal Alchemy™ - Cash Flow to Debt Paydown There are four primary returns from investing in rental properties: appreciation, cash flow, debt paydown, and the tax benefits of depreciation. Additionally, there is a secondary return in the form of the interest earned on the reserves required to make the investment in the first place. Many real estate i…
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Warning - The Risk of Down Payment Size When Investing in Real Estate Life is full of risks. When we choose to invest, we choose to take on additional risks. If we invest in stocks, we choose to take on certain risks. When we choose to invest in bonds, we take on different risks. When we choose to invest in real estate, we choose to take on additio…
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This song is an excerpt from A Talk in the Attic Ep. 242. This parody was written and performed by Kirk Ross using Neil Young's "From Hank to Hendrix" as the source of inspiration. From Fontes to Patricia I stayed rootin’ for you I was this close to giving up Couldn’t bring myself to So many new coaches It was an endless hell So hard to believe in …
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*WATCH ON YOUTUBE* ... Kirk dives into his favorite sports team: the Detroit Lions, who are about to take on the San Francisco 49ers in their first NFC Championship game in 32 years. An organization marred by a lack of continuity and buried in futility, these Brand New Lions have everyone talking...and in this case, they've even got Kirk singing (a…
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How to Analyze a 5% Down Single-Family Nomad™ Property in Grand Rapids Using the latest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™, we will walk through how to analyze a single-family home Nomad™ property with a 5% down payment. Learn how to analyze deals correctly and avoid buying cash flow vampires. Only buy the best d…
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What Affects Your PMI Rate Lenders prefer that you put at least 20% down, but if you push hard enough, many will allow you to put less than 20% down if you're willing to purchase insurance to protect them in case you default. This insurance is called Private Mortgage Insurance. The cost of this insurance depends on several factors. Some are primary…
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You're a real estate investor looking to acquire properties by saving up and putting 25% down. Should you buy an owner-occupied property first? What if that's more expensive than renting? Should you still do it? What if it means you'll be saving less for acquiring rentals by buying an owner-occupied property first? In this comparison class, we will…
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in this introspective installment, kirk dives into his psyche to unpack his internal tumult. no script; no agenda; just his raw thoughts. theme song by joe jenneman, background track by manabu (kirk), finishing song "fail" by rainbow kitten surprise. *watch on youtube* links: 1. attic 2. joe jenneman 3. manabu (kirk's music project) 4. rainbow kitt…
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Deal Alchemy™ - Lease-Options Different real estate investors desire, prefer, and prioritize different returns. For example, many real estate investors have a strong preference for the cash flow part of their return. With Deal Alchemy™, we can manipulate returns and move them from one area to another. Or, we can move them from one or more areas to …
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Warning - Insurable Risks When Investing in Real Estate Life has risks. Real estate investing in Grand Rapids adds some additional risks. Some of these risks can be shifted from your responsibility to the responsibility of a third party for a fee. This is often described as insurance. You choose to pay someone else to take on a risk you don't want …
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How to Analyze a 20% Down Single-Family Home Rental Using the latest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™, we will walk through how to analyze a single-family home rental property with a 20% down payment. Learn how to analyze deals correctly and avoid buying cash flow vampires. Only buy the best deals that make sen…
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*WATCH ON YOUTUBE* ... Kirk is joined by three Grand Rapids musicians to discuss their upcoming show Winter Heat, set to go down at The Pyramid Scheme on Thursday, December 21st. If you're into hip-hop, rap, R&B, or just into supporting independent musicians, swing through and show some love. Tap into this musical installment that dives into influe…
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What is PMI And How to Avoid It You want to work with a lender so that you don't need to purchase a property with all cash. The lender is willing to lend you money, charging you interest to make a profit, and ensuring there is a safety buffer of equity in case you default and they need to foreclose to recover their funds. Your goal is to minimize t…
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Should you use the Nomad™ strategy to acquire properties with a minimal 5% down payment as quickly as possible? Or is it better to be a little more patient and save up for full 25% down payments and buy rentals without moving into each? By saving up for a 25% down payment, the properties will cash flow better. That may allow you to save up faster f…
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Improving Cash Flow on Rental Properties by Improving the Property When real estate prices, mortgage interest rates, and rent rates are high, it can be more challenging to generate great cash flow from a rental property. However, it is also more important than ever to do everything in your power to maximize cash flow. There are 88 strategies for im…
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Refinancing Rental Property Tips There are many flavors of refinancing rental properties: cash-out refinances, cash-in refinances, rate and term refinances, and recasting loans. Understanding each one, when you might want to use them in your real estate investing, the general rules and guidelines for using them, and the impact of each are all impor…
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**WATCH ON YOUTUBE** ... In 2020, we set out to create the world's first Thanksgiving song. Three years later, it's finally taking off. Today's holiday episode features (12) original takes on the Turkey Day classic 'Tryptophan'. Featured Artists (in order of appearance): 1. C.L.R. 2. Young Zippa 3. Billy Flats 4. E.S.P.O. 5. Joe Jenneman 6. Christo…
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Financing Tips When Writing an Offer to Buy a Rental So, you understand financing for buying your next property, and you're ready to go out in search of a property to buy. There are a few financing-related tips that might help set you up for success, improve the odds of getting your offer accepted, getting the best price and terms on your offer, an…
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Sometimes buying rental properties is merely a means to an end: financial independence. Some folks don't want to hold onto their rental properties, manage them, or deal with the business of owning them when they achieve financial independence. Instead, they may prefer to have their money more passively invested in stocks. Can a real estate investor…
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Tips for Getting Mortgage Quotes from Lenders If you choose a random lender, you'll have a random chance of closing with financing. And in many markets, if your lender fails to perform, you as the buyer are in default (since your lender is not a party to the contract). Wouldn't you rather have more certainty that your lender will perform and that y…
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In the last few years, we've seen equity explode. Property prices have been growing like a weed in a spring. And, lower mortgage interest rates mean loan paydown has been more like the Mississippi than a backyard creek. Many real estate investors who owned property during that period will be tempted to tap into that equity to invest in more propert…
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How can you speed up your journey to financial independence (FI)? In this special class, James will go over a brand-new spreadsheet and walk you through all the different ways to speed up your achievement of financial independence. James covers the following in this class: What is financial independence? How is financial independence defined mathem…
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Preparing to Get Mortgages So, you’ve decided to invest in real estate and know that you’ll need a mortgage to buy property. There are some things you should do BEFORE you apply for your mortgage. You should be thinking about these things ideally for multiple years before you try to get a mortgage. In this mini-class, we will discuss the preparatio…
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**watch on youtube** ... here's the thing: witches and mummies and creaky doors are no longer scary, but you now what is? the d.m.v., the i.r.s., and food poisoning. check out genesee county's most terrifying attraction. happy halloween, and thanks for checking it out! attic links Support the showBy Kirk Ross
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On September 3, 2018, a rancher in Laredo, Texas, discovered a woman’s body shot execution-style on the side of the road. When investigators identified her as a local sex worker, their search for the killer took them into the darkest corners of the city. Then, after days of false starts and dead-ends, another body turned up, terrifying residents an…
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Accessing Equity in Properties With prices up a lot over the last few years and interest rates having lingered near all-time lows, many real estate investors find themselves sitting on massive amounts of equity in their properties. But, how do you access that equity? In this mini-class, James will look at a variety of ways to access equity in prope…
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The Return on Investment on Extra Down Payments You’re buying a rental property. You have more than you need for a down payment, closing costs and reserves. One option you’re considering is putting more down. Putting more down will often improve cash flow and Cash on Cash Return on Investment. The dollar amount of returns from Appreciation and Depr…
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