Grateful Heart Tv Rebecca Hidalgo Rains

Get ready to dive🏊 into the latest updates and trends in the housing market! As usual, we have our expert guests Tara Krieg, Joe Smith, & Anthony Penna joining us to share their insights and expertise on the current state of the market.

In this episode, we'll take a look back at our previous market update and discuss how the numbers have changed.📈 From rising rents to consumer debt, our panel will break down all the factors influencing the market right now.

Anthony will share his perspective, from a title company standpoint, and give us a deep dive into the current interest rates. You'll also see some eye-opening charts that show the incredible equity💰 that Americans are sitting on, making real estate an extremely safe and valuable investment.

We'll touch on the ongoing NAR lawsuits and settlements, and give our thoughts on the essential role of real estate agents in the home buying process.🙌 You'll also hear why we believe owning a home is always a better option than renting, and why it's not just about the interest rate when it comes to purchasing a home. Like Joe says "You don’t buy the house for the interest rate you buy the house because it’s time to buy a house".🏠

Tune in and get ready for some insightful and valuable information. Also, be sure to check out our 'Show Extras' tab to see all the stats and charts from today's show!

Listen & Learn:
0:50 - Rebecca intros Tara, Joe, & Anthony
2:16 - Recap of the last market update
4:10 - Rebecca recaps the stats from our last market update
5:06 - Joe’s thoughts on the market now compared to the last episode and why we are where we are
7:32 - Tara’s thoughts on the market now and consumer debt
8:56 - Rising rents explained
9:23 - What is Anthony’s company Navi Title seeing with the housing market and current interest rates
10:53 - Everyone is paying higher interest rates, businesses, car loans, etc.
11:40 - Anthony’s charts on the current market
13:05 - 48 consecutive quarters of positive price appreciation chart
14:30 - Why we think purchasing real estate is the safest investment
16:19 - Americans sitting on tremendous equity chart
17:08 - Why we believe real estate agents are an essential part of home buying process
19:43 - Our thoughts on the NAR lawsuits and settlements
24:36 - Anthony’s chart on co-broke offered to buyer’s agents
27:42 - Fannie Mae responds to the NAR lawsuits
29:58 - What we think about the current interest rates
33:39 - Rebecca covers the Cromford stats
36:26 - Most expensive city to buy in the valley
37:05 - The Cromford index chart explained
37:55 - Anthony’s final thoughts for today’s show
38:40 - Joe’s final thoughts
39:43 - Tara’s final thoughts
40:32 - Rebecca’s final thoughts

Special Guests:
Anthony Penna - Senior Vice President at Navi Title:
Navi Title Agency is an Arizona-based full-service title agency. They offer competitive escrow and title solutions complemented by a strong tradition of grassroots standards.

Phone: 602-510-8848
Email: apenna@navititle.com
Website: www.navititle.com/

Joe Smith - Owner/Broker of Epic Mortgage:
Joe Smith first started in the mortgage business in 2002 as a loan officer. He quickly established himself as a top producer, eventually managing the state of Arizona for a top 10 mortgage lender. Currently, Joe is the Broker and Owner at Epic Mortgage and is definitely someone you're gonna want to go to for advice on lending!

Phone: 602-741-4121
Email: joe@myepicloan.com
Website: www.myepicloan.com

Tara Krieg - Owner of TK Team Lending:
Licensed to provide mortgages and loan programs for homeowners and buyers within Arizona, she has over 12 years' of experience in all aspects of real estate finance, real estate investing, mortgage planning, and business planning.

Phone: 480-344-1951
Email: tkrieg@amerifirst.us
Website: www.tkteam.us

Join us for the latest episode of Grateful Heart as we sit down with Natalia Karayaneva, the visionary founder and CEO of Propy. This Silicon Valley company is on the forefront of revolutionizing the home purchasing process through smart contracts and AI technology.🏠 With an impressive background as an award-winning real estate developer and software engineer, Natalia is a true pioneer in the world of blockchain technology and real estate.

During our conversation, we dive into the recent news of Propy’s partnership with Coinbase and its impact on the future of real estate transactions.🎉 Natalia talks about her vision for Propy and the importance of putting deeds on the blockchain. They also touch on the topic of the metaverse and how one day soon you will be able to tour all home listings virtually.

Rebecca shares her experience at the recent Propy conference in Miami, where Natalia was joined by other big names in the industry who support Propy and their mission. Natalia then goes on to share her inspiring journey as a woman in the tech industry and why she believes in the power of cryptocurrency.🪙 Plus, she gives valuable advice for beginners looking to get started in crypto and the signs to look for when it comes to timing your investments. Don't miss this insightful and inspiring conversation with CEO Natalia Karayaneva.🙌

Listen & Learn:
1:20 - Rebecca intros Natalia Karayaneva CEO of Propy
2:45 - What happened to Propy on March 13th
4:15 - You can now mint your home address
5:15 - Our first episode with Propy (check out episode 99)
6:11 - Natalia’s Instagram story about her vision for Propy
7:55 - Why Natalia likes and recommends Coinbase
10:15 - Why should you put your house deed on the blockchain?
12:25 - The future of real estate and the metaverse
17:27 - Rebecca talks about the Propy conference in Miami and the big names that support Propy
20:28 - Natalia’s journey with getting to where she is today especially as a woman in the industry
22:47 - What signs did Natalia see that prompted her to buy more crypto
25:25 - Natalia’s thoughts on bitcoin dropping
26:25 - Natalia’s final thoughts and how to get started in Crypto
28:47 - Rebecca’s final thoughts

Special Guests:
Natalia Karayaneva Founder/CEO of Propy, Inc:
Natalia Karayaneva is the founder and CEO of Propy, WEF pioneer, - a Silicon Valley company revolutionizing home purchasing via smart contracts and AI. She is an award-winning real estate developer, software engineer, and a serial entrepreneur with extensive knowledge in real estate and cryptography. Natalia is a frequent speaker at web3 and proptech events globally. She is a contributor to Forbes. Natalia has a degree in Computer Engineering, and a degree in Sustainable Urban Development from the University of Oxford.

As a real estate professional for 15 years, Natalia was frustrated with how time-consuming and rife with fraud real estate transactions were. Propy was built with the vision to automate the real estate sales process. Propy’s Transaction Management Platform is an all-in-one solution that revamps the purchase process by leveraging the latest in groupware and blockchain technology. The Palo Alto-based company is writing new pages in real estate history by introducing the technology to allow entirely online and self-driving real estate transactions on smart contracts.

Website: https://propy.com/home
Email: support@propy.com

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Join our host Rebecca Rains and Gary Hix, a certified well driller and pump installer, registered professional geologist, and certified real estate instructor, as they discuss the importance of National Groundwater Awareness Week.💧🙌

With the misperceptions surrounding Arizona's water situation, it is crucial to educate ourselves and raise awareness about the importance of groundwater. During this episode, Gary shares fascinating insights and data about the Earth's water and the significant impact of using 27 trillion gallons of groundwater in the US each year.😧

They also delve into where Arizona's water supply comes from and how it is used, including the state's water right laws and the Reasonable Use Law. In addition, Gary sheds light on the process of drilling private wells and the concept of county islands in real estate.🏠

Gary's extensive expertise in the field of water wells and groundwater is evident as he discusses the role of a well manager and emphasizes the importance of having licensed and professional well inspectors. He also offers helpful resources such as his E-books📚 for those interested in learning more on these subjects. (Check out our Show Extras tab for the link to his books)

The conversation takes an interesting turn as Rebecca shares her personal experience navigating the challenges of finding water in Northern Arizona.🌲 Don't miss this insightful episode where Gary and Rebecca bring attention to the vital role of groundwater and the need for proper management and conservation.

Listen & Learn:
0:48 - Rebecca intros Gary Hix
1:56 - Groundwater Awareness Week
3:13 - The misperception of Arizona’s water situation
4:30 - Amount of households that have their own wells
5:30 - Why Rebecca reached out to Gary in the first place
7:45 - What the National Association of Groundwater represents
12:03 - Gary’s slides on Earth’s water
13:35 - 27 trillion gallons of groundwater is used in the
U.S. each year
14:10 - Where Arizona’s water supply comes from
16:25 - How Arizona’s water is used & our water right laws
17:50 - Reasonable Use Law
24:48 - If a homeowner wants to drill a private well can they?
26:10 - What is a county island in regard to real estate
27:56 - Gary’s books on water wells and groundwater
29:45 - What is a well manager & what does it mean to have a shared water well?
32:50 - Where can you get Gary’s E-books?
34:00 - Why Gary is advocating for professional and licensed well inspectors
35:30 - Rebecca’s story about the difficulties of finding water up north

Special Guests:
Gary Hix - Certified Well Driller and Pump Installer, Registered Professional Geologist, & Certifed Real Estate Instructor:
Gary Hix has worked in the groundwater industry for over 40 years. He is the owner of In2Wells and now spends his time in Arizona, occasionally consulting to private well owners, lawyers, realtors and well drilling pump installing businesses. For many years Gary was actively involved with the National Groundwater Association, where he was a Contributing Editor to their Water Well Journal magazine, a frequent workshop instructor and nominated as the Groundwater Foundations’ McEllhiney Distinguished Lecturer for 2019.

His years of experience in many different areas surrounding water wells, well drilling, pump installing, real estate transactions of properties with wells, shared water wells, construction defects and environmental issues has prepared him for him to provide expert witness services when needed.

Website: https://in2wells.com/
Email: gary.hix@cox.net

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In Episode 155, our expert sponsors Tara Krieg of TK Team Lending, Anthony Penna of Navi Title, and Joe Smith of Epic Mortgage join us to share their insights on the current market stats and trends.🏠📈

We kick off the episode with a look back at our previous market update in December. But the real excitement begins when we dive into the predictions for 2024 – the "year of the 5's" – with a chart showcasing mortgage rates and treasury yield data from the past 50 years.🙌

Discover the surprising home appreciation📈 percentages this year and get a glimpse into the future with the 2024 Home Price Forecast chart. You'll also learn why homeowner net worth is a whopping 40 times higher than renters.🤯 But the biggest surprise? Market crash forecasters have been proven WRONG as home prices continue to rise by 8%.

Don't miss out on valuable insights as our host and expert sponsors explain the average price point chart and discuss the storm⛈️ that is STILL coming.

But it's not all about predictions. Our experts also share their knowledge on short sales and give valuable advice for both buyers and sellers.😄 Tune in now to stay updated on the latest market trends and predictions!

Be sure to check out our 'Show Extras' tab to see all the stats and charts from today's show!

Listen & Learn:
0:45 - Rebecca intros Anthony, Tara, & Joe
2:07 - We touch on our previous market update in December
3:10 - 2024 is going to be the year of the 5’s
5:00 - Chart on 50 years of data on Mortgage Rates & Treasury Yield
6:09 - Mortgage rate projections from Fannie Mae
9:35 - The average amount of credit card debt & homeowner equity
11:30 - Top 3 reasons buyers paused decision
12:15 - Inventory is still down
13:10 - Home appreciation percentages this year
14:16 - 2024 Home Price Forecast chart
16:00 - Homeowner net worth is almost 40x greater than a renter
21:40 - Home prices are up by 8% and market crash forecasters are wrong
23:10 - The market index chart and what cities are still the most popular for buyers
24:36 - Average price point chart explained
26:15 - The storm is still coming
29:45 - Market odds on Fed Cut chart explained
30:38 - Fed Dot Plot chart
32:08 - 2024 Real Estate Forecast chart
33:45 - What a short sale is

Special Guests:
Anthony Penna - Senior Vice President at Navi Title:
"There is nothing more satisfying than helping people achieve their goals by providing them with opportunities to excel in their business. It’s an awesome process that I feel very fortunate to be a part of." Navi Title Agency is an Arizona-based full-service title agency. They offer competitive escrow and title solutions complemented by a strong tradition of grassroots standards.

Phone: 602-510-8848
Email: apenna@navititle.com
Website: www.navititle.com/

Joe Smith - Owner/Broker of Epic Mortgage:
Joe Smith first started in the mortgage business in 2002 as a loan officer. He quickly established himself as a top producer, eventually managing the state of Arizona for a top 10 mortgage lender. After 17yrs in traditional retail banking, working for many top companies in the mortgage business he decided to make a jump to becoming a mortgage broker himself. Currently, Joe is the Broker and Owner at Epic Mortgage and is definitely someone you're gonna want to go to for advice on lending!

Phone: 602-741-4121
Email: joe@myepicloan.com
Website: www.myepicloan.com

Tara Krieg - Owner of TK Team Lending:
Licensed to provide mortgages and loan programs for homeowners and buyers within Arizona, she has over 12 years' of experience in all aspects of real estate finance, real estate investing, mortgage planning, and business planning. Her specialties include loan origination, credit education, mortgage-related financial consulting and planning, and personal coaching of Junior Loan Officers.

Phone: 480-344-1951
Email: tkrieg@amerifirst.us
Website: www.tkteam.us

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Join Rebecca as she sits down with Bret Lockett, internationally recognized speaker, love and relationship expert, and former NFL star.🌟 In this episode, Bret shares his journey from playing in the NFL to becoming a teacher and healer in the realm of relationships and spirituality.

During the episode, Bret shares his insight on the power of Gene Keys, a revolutionary tool for self-discovery and transformation that Brett has personally utilized in his own life and coaching sessions. He explains the concept of Siddhis, Gifts, and Shadows within Gene Keys and how understanding these can open up a deeper level of self-awareness and growth.🙌

Bret shares his insights on why Gene Keys was kept hidden for so long, as well as the importance of shadow work and how embracing the dark side of our humanity can lead to true healing and transformation.😄 He also offers guidance on how to get your own free Gene Key profile and why it is a powerful tool to have in self-exploration and growth.

Throughout the conversation, Bret's passion for helping others shines through as he shares his wisdom and experience to inspire listeners to unlock their true potential and live a life filled with love and connection.💖 So, tune-in to this episode and get a glimpse into the world of Gene Keys and the teachings of Bret Lockett!

Listen & Learn:
1:05 - Rebecca intros Bret
1:49 - Past NFL teams that Bret played for
3:00 - How we all live in different levels of consciousness
4:48 - What got Bret into Gene Keys
7:50 - Different types of spiritual teachings and how Gene Keys plays a part in most of them
9:08 - Why was Gene Keys kept secret or hidden over the years?
11:33 - What does Bret mean when he talks about shadow work and the dark side of the humans
16:05 - Rebecca’s Gene Keys Hologenetic profile
16:44 - Gene Keys explained
18:50 - What your Siddhi, Gift, & Shadow in terms of Gene Keys
19:34 - Rebecca’s chart explained
22:26 - How to get your free Gene Key profile and why it is important
24:35 - Bret’s Linktree & Instagram
25:47 - What to expect from a session with Bret and all the services he offers
27:11 - Bret’s breath-work sessions available online
27:55 - What was Bret’s biggest ah-ha moment from life before to today
31:21 - Rebecca’s final thoughts

Special Guest:
Bret Lockett - An internationally recognized speaker, love and relationship expert, and former NFL star who helps both men and women find love and intimacy in their lives. He is known for his deep understanding of the conscious collective and for his efforts to balance the yin and yang energies in relationships.

Bret's expertise in Gene Keys is a pivotal part of his transformative approach to coaching, which combines breathwork, diaphragmatic breathing, and other modalities to help people deal with emotional and physical trauma. His personal experiences, including his time as an NFL player, have inspired him to develop a unique method that has empowered thousands of individuals worldwide to experience deep healing and breakthroughs in their lives.

In addition to coaching, Bret also serves as a board advisor for The Flow Research Collective, an esteemed organization led by best-selling author Steven Kotler. Alongside esteemed individuals like Dr. Andrew Huberman and Dr. Michael Gervais, Bret contributes to groundbreaking research and guides individuals in unlocking their highest potential. Driven by love and kindness, Bret is committed to transforming lives, promoting overall well-being, and empowering individuals and organizations to unlock their true potential in love and relationships.

LinkedIn: https://www.linkedin.com/in/bret-lockett/
Instagram: https://www.instagram.com/bret_lockett/
Facebook: https://www.facebook.com/bret.lockett
Phone: (602) 288-6774
Email: bretlockett@gmail.com

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In our latest episode, our host Rebecca sits down with special guest Daran Wastchak, President of Learning Edge, LLC.💡 Daran is an expert in residential energy efficiency and this is not the first time Daran has joined us on the show - in fact, he was a guest on episode 147!😄 So if you want to learn more about his background and expertise, be sure to check it out.

In this informative discussion, Daran shares insights and updates on his upcoming master classes, as well as his personal project of rebuilding🏗️ his own house from the ground up.⬆️ We dive into the history of building materials and how the use of wood and insulation became more common than traditional block structures.🧱

Daran also explains why he recommends SIPs (Structural Insulated Panels) for building homes and how they can actually be more affordable than traditional builds. We also discuss the importance of proper window installation for energy efficiency and insulated slabs in homes.🙌

Join us as we delve into the new developments in HVAC technology and the reasons behind the recent ban on gas cooking in California.🤔 And find out why it is SO important to vote in the upcoming SRP board member elections as well as our final thoughts on the number one thing you can do to make your home more energy efficient in Arizona.💡☀️Don't miss this jam-packed episode!

Daran's Upcoming Master Classes: https://www.learningedgellc.com/schedule

VOTE: https://www.srpnet.com/about/governance-leadership/elections/early-voting-ballot-request-form

Listen & Learn:
1:09 - Rebecca intros Daran & his last episode
2:08 - Daran’s upcoming master classes
3:25 - Daran’s plans to rebuild his house
4:00 - Why we use to build everything out of block back in the day
6:40 - The series of events that lead to homes being built with wood/insulation vs block
8:05 - Why Daran is completely rebuilding his house from the dirt up
9:40 - Why Daran recommends SIPs for building homes
11:12 - How are SIPs houses are more affordable than traditional built homes
18:00 - Why SIPs are easier to install during construction
18:50 - Why having windows (and the right type) installed properly is such a huge deal for energy efficiency
21:30 - Insulated slabs and their purpose
24:32 - What is changing with HVAC units
26:50 - California is putting a ban on gas cooking and why
28:40 - Daran’s thoughts on solar and electric vehicles
30:50 - Why it is so important to vote for your SRP board member
31:50 - Mini Splits aka Variable Capacity Heat Pumps and why Daran is using one on his new home
32:45 - Daran’s upcoming Master Class session
34:36 - The number one thing you can add to your home in AZ to make it more energy efficient
35:10 - Home performance with energy star to have your home evaluated
36:59 - The $1500 yearly tax credit for homeowners that improve the energy efficiency of their home
38:38 - Rebecca’s final thoughts

Special Guest:
Daran Wastchak - President of Learning Edge, LLC: Learning Edge, LLC is a firm that specializes in residential energy efficiency training and building science consulting. Daran was a key implementer of the EPA’s ENERGY STAR for Homes program for more than 20 years. He has helped solve warranty issues for hundreds of homes that did not properly heat or cool, had high utility bills, poor indoor air quality, and/or were uncomfortable. Daran has trained thousands of individuals on the basics of building science, energy efficiency for buildings, energy efficiency programs, and international energy conservation codes. He holds a bachelor’s degree in Construction and master’s and doctoral degrees in Public Administration and Policy from Arizona State University.

Website: https://LearningEdgeLLC.com
Phone: (602) 288-6774
Email: support@learningedgellc.com

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