Birdman Media

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Canal • 6 programas

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Destinos y viajes

9 abr
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15 abr
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23 ABR

The $1 Investment That Returns $16: Why Early Childhood Is the Future of Rural America"

Rural Builds

23 abr

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25 min
25/07/2025

Adjustable Mortgage

An Adjustable-Rate Mortgage (ARM) is a type of home loan where the interest rate can change over time, usually in response to changes in a financial index (like the 1-Year Treasury rate or SOFR). ⸻ 🏠 Key Features of an ARM: 1. Introductory Fixed Rate Period • You get a low fixed interest rate for a set number of years (commonly 3, 5, 7, or 10). • Example: A 5/1 ARM means your rate is fixed for the first 5 years, then adjusts once per year afterward. 2. Adjustment Period • After the fixed period, the interest rate adjusts periodically (usually annually). • The new rate is based on: • A benchmark index (e.g., SOFR or LIBOR) • Plus a margin (set by the lender) 3. Rate Caps • Initial cap: Limits how much the rate can go up at the first adjustment. • Periodic cap: Limits increases at each adjustment. • Lifetime cap: Maximum the rate can rise over the life of the loan. ⸻ 📊 Example: 5/1 ARM • First 5 years: Fixed at 4.25% • After year 5: Adjusts annually • Let's say the cap is 2/2/5 (initial/periodic/lifetime) • Year 6 rate could jump to 6.25% max • Later years could go up 2% per year, but never more than 5% above the original rate ⸻ ✅ Pros of an ARM: • Lower initial rate = lower monthly payments early on • Good if you plan to move or refinance before the adjustment kicks in • May qualify you for more home upfront ⚠️ Cons of an ARM: • Rates can rise—your monthly payment may go up significantly • Less predictable than a fixed-rate mortgage • Riskier in a rising interest rate environment ⸻ 💡 When Is an ARM a Good Choice? • You're only staying in the home for a few years • You expect interest rates to stay the same or drop • You want lower upfront payments and can handle possible increases later House Keys is brought to you by Mountain Retreat Realty Experts https://mtnretreatrealty.com

25/07/2025

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2 min
24 FEB

From Center Stage to Grand Vista: The Reinvention of a Scottsdale Icon

On this episode of Arizona Backroads, Birdman goes behind the scenes at the newly renovated Grand Hyatt Scottsdale Resort with Regional Director of Engineering Jennifer Mueller — the woman who helped oversee a massive $120 million transformation of one of Scottsdale's most legendary properties. From the iconic days of Center Stage Bar to today's reimagined Grand Vista Lounge, this isn't just a renovation story — it's the evolution of live music culture in Arizona. You'll hear about: 🎸 The legacy of guitarist Esteban, who launched his career right here 🏔️ Why the McDowell Mountain views are part of the entertainment 🍸 The hidden speakeasy-style Z-Bar 🍝 Celebrity chef Richard Blais' Italian concept at La Zozzona 🎶 How live music drives connection in a resort setting 🏖️ The only beach-style resort pool in Arizona with live entertainment 🏢 The shift toward convention culture — and why big bars matter Jennifer shares how the property evolved from the Hyatt Regency at Gainey Ranch into the Grand Hyatt Scottsdale, why live music still anchors the experience, and how resort entertainment now blends locals with visitors in a uniquely Arizona way. This episode is about more than a hotel. It's about: Reinvention Arizona music history Community gathering spaces The energy that only live performance creates If you think you know this property — you probably don't know it like this. 🎙️ Arizona Backroads — Get out and explore.

24 feb

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9 min
25/07/2025

"As Is" Home Sale

🔍 What "As-Is" Really Means: • The buyer gets the property exactly as it stands, with all its flaws—visible or hidden. • The seller makes no guarantees about the home's condition. • The seller won't fix any issues found during the home inspection. • The buyer still has the right to inspect the property, and can walk away or negotiate based on what's found—but the seller isn't obligated to fix anything. ⸻ 🛠 Common Reasons Homes Are Sold As-Is: • Distressed property or fixer-upper. • Estate sales or inherited homes. • Seller is financially unable or unwilling to make repairs. • Investor-owned property. ⸻ ⚠️ Important Notes for Buyers: • Get an inspection—even if the seller won't fix anything, you need to know what you're getting into. • Check disclosure laws in your state—some still require sellers to disclose known issues (like mold, roof leaks, or foundation problems). • Be ready to handle repairs post-purchase, possibly major ones. ⸻ 💬 Real-World Example: A home listed "as-is" might have an aging roof, outdated wiring, or plumbing issues. The seller says: "Here it is, take it or leave it." You can still have an inspection—but if the inspector finds problems, the seller won't negotiate or fix them. You either accept it or back out (assuming your contract allows it). House Keys is brought to you by Mountain Retreat Realty Experts https://mtnretreatrealty.com

25/07/2025

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3 min
19/03/2022

Gaslight-Proof - Helping Your Friend.

Amber, Patrice and Brandi talk about how to approach someone that is in a toxic releationship. How to be there without judging and the things to avoid that will cause them more harm. They also start a discussion about the affect of abuse and how it is simular to addiction. This topic will continue next episode.

19/03/2022

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47 min
09/09/2022

Gaslight-Proof - Another Male Perspective

Jerry joins the ladies to talk about his experience with an abusive relationship that lasted over 28 years. As mentioned in the episode, if you'd like to contact the ladies use the following email - wrafainfo@gmail.com

09/09/2022

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55 min
07/04/2023

Holidays / Special Occasions and the Narcissist

When it comes to holidays, interacting with a narcissist can be a challenging experience. Narcissists tend to have a sense of entitlement and an exaggerated need for attention and admiration, which can make it difficult to have a peaceful and enjoyable holiday. Here are some tips for navigating holidays with a narcissist: Set boundaries: Before the holiday season begins, set clear boundaries with the narcissist. Let them know what behavior is unacceptable and what the consequences will be if they cross those boundaries. Plan ahead: If you're hosting a holiday gathering, plan the event in advance and communicate the plan to the narcissist. This will help prevent any surprises or disruptions to the schedule. Stay calm: If the narcissist tries to provoke you or create drama, stay calm and don't engage in arguments. Narcissists thrive on conflict and attention, so don't give them the satisfaction. Don't take it personally: Remember that a narcissist's behavior is not a reflection of you or your actions. Their behavior is driven by their own insecurities and need for validation. Take breaks: If you start to feel overwhelmed or stressed, take a break from the situation. Go for a walk, spend time with someone who is supportive, or engage in an activity that helps you relax. Seek support: If you're struggling to deal with a narcissist during the holidays, seek support from friends or family members who understand the situation. You may also want to consider working with a therapist to develop coping strategies. Overall, navigating holidays with a narcissist can be challenging, but with the right approach and support, you can maintain your boundaries and have a peaceful holiday season. As mentioned in the episode, if you'd like to contact the ladies use the following email - wrafainfo@gmail.com The following are the sponsors of Birdman Media Podcasts; please visit them and support them when you can, as they make this show possible. Premier Sponsors: Arizona's Mountain Home Hunters The Hub Alberito's Buffalo Bill's Tavern and Grill Darbi's Cafe The House Restaurant La Casita Cafe The Lion's Den The Lodge Sports Bar & Grill Nexus Coalition for Drug Prevention Pour Station - White Mountain Purified Water Solterra Senior Living St. Anthony's School Sutton Weed & Pest Control White Mountain Tees WME Theaters

07/04/2023

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30 min
01/04/2022

Gaslight-Proof - Balance and Stability

The Ladies chat a bit about The Acadamy Awards "Slap" incident and then on about the need to balance out the issues a narcassit creates.

01/04/2022

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28 min
18/11/2022

Gaslight-Proof - Ronnie's Story

Hear how childhood trauma affected Ronnie (Patrice's Husband) and the steps he has taken to manage the resulting anger. As mentioned in the episode, if you'd like to contact the ladies use the following email - wrafainfo@gmail.com

18/11/2022

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45 min
27/02/2025

Welcome to the Arizona White Mountains Update

Birdman Media™ is proud to present the relaunch of Community Event and Activities Updates with the Arizona White Mountains Update, brought to you by Carin Rubin - State Farm. The following are the sponsors of Birdman Media Podcasts; please visit them and support them when you can, as they make this show possible. Premier Sponsors: Carin Rubin - State Farm Alberito's Buffalo Bill's Tavern and Grill Darbi's Cafe The House Restaurant The Hub La Casita Cafe Nexus Coalition for Drug Prevention Pour Station - White Mountain Purified Water Solterra Senior Living St. Anthony's School Adventure Pest and Wildlife WME Theaters

27/02/2025

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4 min

The shows created and produced by Birdman Media™