How do you define if housing is ‘affordable’? If there isn’t enough market rate housing, how can you even start a discussion about affordable housing? At what point do we decide there have been enough conversations and it is time for action? There are some who are taking action. This week Justin talks with Chris Todd – Business & Development Director for Henderson County, NC – about The Apple Ridge Project.The Apple Ridge Project is made up of 60 multi-family housing units and 20 single family units. Henderson County approved using some American Rescue Plan (ARP) funds to help with infrastructure costs. Specifically, the funds will be used toward the water & sewer extension requirements that are necessary to complete the project.The Apple Ridge Project, which is being spearheaded by The Housing Assistance Corporation, is proof that real partnership can exist with the common goal of providing more affordable housing units in the community. References Today's Real Talk: https://www.TodaysRealTalk.com/Info@TodaysRealTalk.com Apple Ridge Project: https://www.hendersonvillenc.gov/sites/default/files/uploads/calendar-files/apple_ridge_-_overall_development_plan_1-20-22.pdfHenderson County: https://www.hendersoncountync.gov/Housing Assistance Corporation: https://www.housing-assistance.com/Want content sent directly to your device? Text 'Get Real' to 844-STUDIO-4 Have you enabled Amazon and Google Home skills? "Hey Alexa, play Today's Real Talk!" "Hey, Google, play Today's Real Talk!" All shows streaming wherever you like to listen to your podcasts Chapters00:00 - 06:17: Talking w/ Justin06:17 - 08:29: Intro w/ Chris Todd08:29 - 09:55: Apple Ridge Project Overview09:55 - 11:35: The Apple Ridge Team11:35 - 13:24: The Go-Forward Plan13:24 - 14:07: Partnering With Others14:07 - 15:59: Criteria for Approval15:59 - 19:39: Population Shift During COVID19:39 - 22:55: Defining Affordable22:55 - 25:24: Size of the Apple Ridge Project25:24 - 26:23: Relationships w/ Other Municipalities26:23 - 31:20: Long Term Vision31:20 - 34:48: Internet Access in Western NC34:48 - 37:03: Public Feedback37:03 - 38:50: Support At All Levels38:50 - 40:17: Take Aways for Success 40:17 - 41:11: Outro w/ Chris Todd41:11 - 44:15: Managing Projects44:15 - 48:19: Why isn't there more affordable housing options?48:19 - 53:54: My neighbor isn't letting me use my driveway anymore. What are my options?53:54 - 59:30: If you could pick one sector of real estate to invest in, what would it be?59:30 - 01:01:24: Final Thoughts w/ Justin

Developing Properties is a process. Land acquisition, zoning entitlements, engineering, architecture, leasing; just a few of the many steps. Bigger than the process is the potential affect developing has on communities. How do you know if a project will be positive or negative?This week Justin sits down with Vinny Giglio to talk about the development process. Vinny, a military veteran now developing some properties in the North Charlotte/Iredell County area, describes what goes into his team’s thought process when they find a potential development site. Not all the topics are easy. Affordable Housing, Water & Sewer Capacity, Parking Requirements, and much more. If you are interested in how developers think, this show is for you.References Today's Real Talk: https://www.TodaysRealTalk.com/Info@TodaysRealTalk.com MV2 Investments: https://www.mv2invest.com/ Chapters00:00 - 04:05:Talking w/ Justin04:05 - 06:30: Intro w/ Vinny 06:30 - 14:00: Vinny's Why 14:00 - 14:49: Justin Sharing his Why 14:49 - 20:50: Getting Started in Real Estate 20:50 - 23:33: Buying Commercial Real Estate 23:33 - 27:48: Falling into Development 27:48 - 31:22: Development Projects 31:22 - 34:00: What is good for a community? 34:00 - 37:00: Transportation 37:00 - 40:47: Water & Sewer Capacity 40:47 - 41:27: Local Drives Markets 41:27 - 47:38: Affordable Housing 47:38 - 49:26: Managing Development Sites 49:26 - 50:35: The Multifamily Sector 50:35 - 52:49: Material Costs Through COVID 52:49 - 54:44: Risk in Development 54:44 - 58:00: The Struggle is Real 58:00 -  01:01:10: The Future of North Carolina 01:01:10 - 01:02:53: How Do We Bring in More Jobs 01:02:53 - 01:05:37: Outro w/ Vinny 01:05:37 - 01:15:45: Q&A Session 01:15:45 - 01:16:20 - Final Thoughts w/ Justin

Energy Efficiency is not just about spending money. The Deficit Reduction Act and the Inflation Reduction act (along with many other pieces of legislation throughout the years) carve out specific tax benefits when you invest in green energy and updating to modern building standards. Have you heard of 179D and 45L tax incentives? This week Dawn Polin, the Real Estate Incentives CPA, joins Justin to discuss the current landscape for energy efficiency tax incentives. Whether it be ground up development or a value-add project, there are potential tax benefits you should consider when designing your project.Mechanical SEER ratings. Energy Efficient windows. Thermal. Solar. So many different components to consider when you are developing a new property or improving an existing property. How do you know whether making such an investment has any financial benefit? Listening to Today's Real Talk will give you a leg up.ReferencesDawn Polin: https://cretaxplanning.com/Deficit Reduction Act: https://www.congress.gov/bill/109th-congress/senate-bill/1932Inflation Reduction Act: https://www.congress.gov/bill/117th-congress/house-bill/5376/textIRS 179D Publication: https://www.irs.gov/pub/irs-utl/irc-179d-energy-efficient.pdfIncentifind Database for Incentive Reporting: https://incentifind.com/welcome?affiliate=6666bbe3-95c3-49d9-a28e-5969cd6ca85bChapters00:00 - 03:55: Talking w/ Justin03:55 - 08:23: Intro w/ Dawn Polin08:23 - 13:20: Cost Segregation Overview13:20 - 14:51: Introduction to 179D & 45L14:51 - 19:24: What is 179D?19:24 - 21:11: History of 179D21:11 - 29:44: How to use 179D29:44 - 34:48: Necessity of Planning34:48 - 36:57: The Building Envelope36:57 - 41:08: History & Use of 45L41:08 - 43:24: Cautions of Seeking 45L 43:24 - 48:17: Who is using 179D & 45L incentives?48:17 - 50:38: Using Tax Credits & Incentives50:38 - 55:18: Future of North Carolina Incentives55:18 - 56:30: Wrap Up w/ Dawn56:30 - 01:03:08: Q&A 1 - Are there any good courses you would recommend to help w/ learning real estate?01:03:08 - 01:08:22: Q&A 2 - What do I do if my contractor won't finish the job?01:08:22 - 01:12:41: Q&A 3 - What sector of real estate do you think will be most volatile in the short term?01:12:41 - 01:13:59: Final Thoughts w/ Justin

When you buy a property that is subject to an association, you are buying a property that is subject to change.Is your property subject to an association? If so, there may or may not be rules &regulations that you like or don't like. There may be fees with living where you live that you may not have been expecting or anticipating when you purchased. Maybe how you want to use your property has changed and your are wondering if it is ok? Short Term Rentals continue to be a hot topic. Ever thought about adding solar panels to your home? This week Justin is talking with Attorney Jim Slaughter of Law Firm Carolinas to learn about HOAs. The ins and outs. The ups and downs. The pros and cons. What has changed from pre-covid to now when considering the management practices of HOAs? What changes has the North Carolina legislature made to make things easier for associations to govern? All that and more this week on Today's Real Talk.References Today's Real Talk: https://www.TodaysRealTalk.com/Info@TodaysRealTalk.com Jim Slaughter - https://www.jimslaughter.com/ Law Firm Carolinas - http://lawfirmcarolinas.com/ North Carolina Planned Community Act - NCGS 47F - https://www.ncleg.gov/Laws/GeneralStatuteSections/Chapter47F North Carolina Condominium Act - NCGS 47C - https://www.ncleg.gov/Laws/GeneralStatuteSections/Chapter47CWant content sent directly to your device? Text 'Get Real' to 844-STUDIO-4 Have you enabled Amazon and Google Home skills? "Hey Alexa, play Today's Real Talk!" "Hey, Google, play Today's Real Talk!" All shows streaming wherever you like to listen to your podcasts Chapters00:00 - 01:49: Talking w/ Justin 01:49 - 03:56: Intro w/ Jim 03:56 - 05:41: HOA Usage in NC 05:41 - 06:44: Future HOAs in NC 06:44 - 09:09: HOA Positives 09:09 - 13:16: Costs Associated w/ HOAs 13:16 - 15:54: HOA Budget & Operation Limitations 15:54 - 18:31: How does NC compare to other states? 18:31 - 22:26: Pre & Post COVID 22:26 - 28:30: Online HOA Meetings28:30 - 35:24: HOA Management Companies35:24 - 36:48: Mgmt Company Credentials36:48 - 42:17: Self Managed HOAs42:17 - 44:50: Robert's Rules of Order44:50 - 49:39: Condos49:39 - 52:13: CC&Rs vs Bylaws vs Committees52:13 - 58:56: Short Term Rentals58:56 - 01:03:41: The Future of HOAs01:03:41 - 01:04:34: Final Thoughts w/ Jim Slaughter01:04:34 - 01:08:23: Q&A 1 - Do I need to purchase a 'title monitoring' service subscription? 01:08:23 - 01:09:17: Q&A 2 - What is the strongest market in North Carolina?01:09:17 - 01:11:05: Q&A 3 - What is more important; size vs. location of a property?01:18:14 - 01:18:54: Closing Thoughts w/ Justin

Technology isn't always easy. It is, however, becoming a necessity. Here we talk about North Carolina Real Estate, Business, and Life. Today's Real Talk.This week we are joined by Representative Jon Hardister (District 59), the House Majority Whip, and Primary Sponsor on North Carolina House Bill 776 - a Bill to allow for Remote Electronic Notarization in North Carolina.If you have purchased a home, do you remember all the paperwork you had to sign? What if you could have signed electronically on your computer or even your phone? That will now be possible in North Carolina!Justin discusses with Representative Hardister the ins and outs of the bill, the vision, and the shortcomings. Everyone wants to see North Carolina succeed and it starts with allowing the use of more tools for businesses and residents.Subscribe to the show if you want to be updated as we release new content.ReferencesToday's Real Talk: https://www.TodaysRealTalk.com/Info@TodaysRealTalk.comRep Jon Hardister: https://www.jonhardister.com/North Carolina House Bill 776 (An Act to Allow Remote Online Notarization): https://www.ncleg.gov/BillLookup/2021/H776NC DOT Public Street Information Database: https://connect.ncdot.gov/resources/gis/Pages/Database-Map-HB620.aspxChapters00:00 - 04:58: Talking w/ Justin Today04:58 - 08:15: Intro w/ Representative Jon Hardister & NC HB 77608:15 - 11:47: COVID and the effect on Technology11:47 - 14:07: Technology Requirements in HB 77614:07 - 15:05: Limitations in HB 77615:05 - 18:32: Does Electronic Notarization save people money?18:32 - 22:04: The Notary Acknowledgment22:04 - 23:42: Using Electronic Notarization in Healthcare23:42 - 24:32: Banking & the SECURE Act24:32 - 27:25: NC DOT & DMV27:25 - 30:26: Preventing Wire Fraud & Cyber Threats30:26 - 32:27: Education in North Carolina32:27 - 34:55: Infrastructure in North Carolina34:55 - 37:26: The Future of North Carolina37:26 - 42:26: Q&A1 - What are the most important factors when refinancing?42:26 - 45:18: Q&A2 - Do I live on a public or private street?45:18 - 50:33 - Q&A3 - At what points do interest rates come back down?50:33 - 51:10: Outro w/ Justin

Have you purchased your first investment property? What are the tax strategies you plan to use? Have you considered Cost Segregation? If you are thinking of investing in Real Estate, you will need some tools and resources to help you succeed.The IRS (Internal Revenue Service) Tax Code contains many sections dealing with Real Estate. Changes based on the Tax Cuts and Jobs Act have pumped certain Real Estate concepts, such as Depreciation, Cost Segregation, and Bonus Depreciation, to new levels.Those with Real Estate Professional Status can take advantage of these changes. How long will Bonus Depreciation remain accelerated? Is it a good think to use Cost Segregation if you are going to be selling the real estate property in a short amount of time? What is the process for obtaining a Cost Segregation study? All that and more as Justin Ckezepis of Today's Real Talk sits down with Yonah Weiss to discuss Cost Segregation in Real Estate. References Yonah Weiss: https://www.yonahweiss.com/Tax Cut and Jobs Act: https://www.govinfo.gov/content/pkg/BILLS-115hr1enr/pdf/BILLS-115hr1enr.pdf IRS Tax Cuts and Jobs Act - Comparison for Businesses: https://www.irs.gov/newsroom/tax-cuts-and-jobs-act-a-comparison-for-businesses IRS Cost Segregation Audit Techniques Guide: https://www.irs.gov/businesses/cost-segregation-audit-techniques-guide-chapter-1-introduction Today's Real Talk: https://www.TodaysRealTalk.com Want content sent directly to your device? Text 'Get Real' to 844-STUDIO-4Have you enabled Amazon and Google Home skills?"Hey Alexa, play Today's Real Talk!""Hey, Google, play Today's Real Talk!"All shows streaming wherever you like to listen to your podcasts Chapters0:00 - 3:33: Talking w/Justin Today3:33 - 7:17: Intro w/ Yonah Weiss7:17 - 16:57: Top Terms in Cost Segregation16:57 - 19:49: Real Estate Professional Status19:49 - 23:38: Breaking Down Financials in a Cost Segregation Analysis23:38 - 25:34: Ground Up Development vs. Value Add Property25:34 - 28:18: The Cons of Doing Cost Segregation28:18 - 31:51: What is Depreciation Recapture?31:51 - 33:51: 1031 Exchanges and Off-Setting Gains & Losses with a Lazy 1031 Exchange33:51 - 34:57: The Important of Real Estate Teams34:57 - 36:34: Who currently uses Cost Segregation?36:34 - 38:34: The Short Term Rental Loophole38:34 - 41:20: The Future of the Real Estate Market and Cost Segregation41:20 - 43:51: Adoption of Cost Segregation in the Marketplace43:51 - 44:33: Outro w/ Yonah44:33 - 47:31: Q&A #1: What is the future of the Real Estate Market in North Carolina?47:31 - 49:04: Q&A #2: What type of taxes do I pay when earning $ in real estate?49:04 - 53:15: Q&A #3: When are you financially prepared to buy a home?53:15 - 54:04: Wrap Up & Outro

Location. Location. Location. Here we talk about North Carolina Real Estate, Business, and Life. Anytime you consider real estate, location is a top priority. What makes a house a "home"? Everyone wants to live in a great community. Today we find out from Zach Ollis - Town Manager of the Town of Tryon, North Carolina - what makes Tryon a great place to be. Small town with convenient access to many of the surrounding major cities. That is what Tryon can offer. With amenities like the International Equestrian Facility, Harmon Field, Lake Lanier, and several vineyards; you can choose to sit and enjoy the views of the beautiful Blue Ridge Mountains or spend time adventuring. Affordable living and a diverse community made up of those living full time in Tryon as well as the many that pass through for vacationing and even several families who spend part of their year living in Tryon - development continues to grow and with it, the annual budget for the Town of Tryon. A community with a strong foundation and unlimited potential for its future. Resources Town of Tryon: https://tryon-nc.com/ Tryon International Equestrian Center: https://tryon.com/ Lake Lanier: https://www.discoverlakelanier.com/  Q&As When are Property Taxes due in North Carolina?Why are interest rates adjusting so frequently?When I buy a property, do I have to get a survey? Chapters 00:00 - 03:08: Intro03:08 - 05:58: Guest Introduction (Zach Ollis - Town of Tryon, NC - Town Manager)05:58 - 09:26: What is it like living in Tryon, North Carolina?09:26 - 12:33: Equestrian Community in Tryon12:33 - 14:06: Vineyards Throughout Tryon14:06 - 16:22: Lake Lanier16:22 - 19:39: Wastewater Treatment & Capacity for Development19:39 - 22:05: Second Home Market in Tryon22:05 - 25:57: Town of Tryon Budget25:57 - 30:52: Property & Sales Tax in Tryon30:52 - 34:34: Personnel Costs for Tryon34:34 - 41:29: 2022 - 2023 Budget (Cap Ex, Police Department, Assets)41:29 - 46:55: American Rescue Plan & Cares ACT Funds46:55 - 50:03: Harmon Field Fund50:03 - 51:49: Other Tryon NC Amenities & Things to do in Town51:49 - 55:20: Geographic Advantage for Tryon and Outro w/ Zach55:20 - 57:55: Q&A1 - When are property taxes due in North Carolina?57:55 - 01:01:58: Q&A2 - Why are interest rates adjusting so frequently?01:01:58 - 01:05:37: Q&A3 - Do I need to get a survey when I buy a property?01:05:37 - 01:06:21 - Outro & Wrap Up w/ Justin

How do I win at real estate? Cash flow. In North Carolina, and across the entire world, everyone needs a place to live. People want a place to work and do business. Those who own the properties where people live and do business are the ones who collect cash flow and are winners. It is also important to learn important Real Estate terms and definitions. Cap Rate. Cash on Cash Return. IRR. Terms that you commonly hear and must be able to understand if you are going to invest in Real Estate. Justin walks you through each of these terms today. Multifamily Real Estate is popular. Many investors want to be in multifamily real estate because of the potential cash flow (whether passive or active) from the property. Do all counties, cities, and towns, like multifamily? Are all the financials related to multifamily investing true? Dante Belmonte of Victory Capital Group talks with Justin Ckezepis about multifamily real estate investing. During Justin's Q&A Real Estate Session he answers these questions:What is a good deal in Real Estate?Do you think rents will go up or down over the next few years?How did Justin get started in Real Estate? Ready to learn about investing in multifamily real estate? Listen now.Chapters00:00 - 5:33 - Talking w/ Justin Today05:33 - 10:14 - Common Real Estate Terms & Definitions10:14 - 11:48 - Victory Capital Group11:48 - 18:19 - Investing in North Carolina18:19 - 26:02 - Analyzing Real Estate Deals26:02 - 29:37 - Common LOI & Contract Terms29:37 - 32:05 - Common Objections32:05 - 39:15 - Funding Real Estate Deals39:15 - 42:10 - North Carolina Markets42:10 - 50:15 - Pitch Deck & Working w/Investors50:15 - 54:14 - Property Management Companies & Other Expenses54:14 - 56:44 - Wrap Up w/ Victory Capital Grouphttps://todaysrealtalk.com/

If you live anywhere in North Carolina, you’ve probably noticed that growth is happening at a rapid rate. While all of this economic growth and development is a positive thing, it must be managed carefully to reduce growing pains. As the North Carolina real estate market continues to boom, you need to know what’s going on and hear from the people who live near you, so you have a say. Now more than ever, it’s important that we are good local stewards of the land and make choices that empower the community as a whole 5, 10, or even 20 years down the road. On this episode, we welcomed Joel Gillie, the Public Affairs Director for Wayne County, North Carolina, to talk about this tremendous growth happening in Wayne County and throughout the rest of the state, as well as some of the challenges that come with it. We discuss the current comprehensive development plan for the 2022-2023 fiscal year and how the budget is affecting certain projects and developments. Some of the issues we go over in this episode include the current public transportation system, like the existing bus system and the I-42 corridor, and how to grow transportation infrastructure in a way that benefits the population but doesn’t impede on businesses. We also talk about how to balance development while still prioritizing farmers, the future of Wayne County, specific development projects (like broadband internet connectivity), how to adjust public services in the wake of problems like the national fuel shortage, and other pertinent issues to a developing area. Joel Gillie, Public Affairs Director for Wayne County, NC and Justin Ckezepis Talk About Development and the Challenges of Rapid Growth on Our Show

You need money to start a business. But as a small business owner, you only have so much funding to get started. This is where small business loans come in, and our latest episode, we go over what you need to know about getting a loan from the Small Business Administration with Mike Arriola.Arriola originally started as the SBA officer for the Asheville area and eventually became the District Director for the entire state of North Carolina. Today, he oversees the SBA operations for over 900,000 small businesses throughout the state.In this episode, we go over what exactly an SBA loan is, specifically the 7(a) guaranty process, why lenders decide to offer these loans, and why you should consider getting one of these loans if you’re trying to get your small business off the ground. We also go over some of the other tools and resources the SBA has for small business owners on top of their loan programs.The SBA has resources that can help small business owners at any phase of their business’ lifecycle. Give this episode a listen if you’re thinking of or currently involved in starting a small business, and make sure to check back soon to see when our next episode goes live.

How high can home prices continue to rise? What will the real estate market look like over the next twelve months?Meet Dr. Yongqiang Chu, Director of the Childress Klein Center for Real Estate. What does the real estate market look like going forward into 2022? Will real estate prices go down? What’s causing the increased demand for real estate?We answer these questions and others related to the current state of real estate in our most recent podcast.In this episode, we’re joined by Dr. Yongqiang Chu, the Director of the Childress Klein Center for Real Estate. Dr. Chu is originally from China, and he came to the U.S. to complete his PhD at the University of Wisconsin-Madison. His career initially involved teaching finance, but today, his career is research-based, and he is currently working on several papers, one specifically about mortgage lending discrimination in today’s market.We cover how the recent pandemic increased the demand for real estate throughout the country, but mainly here in the Charlotte, North Carolina area. Dr. Chu also makes a few predictions about interest rates and where real estate prices will head in a post-pandemic world. Other topics covered include what will solve current supply and demand issues and how these will affect local concerns about population and housing density.Don’t miss this latest episode of Today’s Real Talk if you’re intrigued by real estate economics and have questions about housing and the real estate market for the upcoming year.Dr. Chu - Director of the Childress Klein Center for Real Estate at University of North Carolina at Charlotte

The Foreign Investment in Real Property Tax Act of 1980 (FIRPTA) is a congressional act that was passed because foreigners were selling property in the U.S. and not paying taxes or capital gains taxes on the sales. Richard’s goal is to simplify the FIRPTA process as much as possible and raise awareness about transactions dealing with foreign nationals.Because foreign nationals are not subject to U.S. tax laws, FIRPTA requires buyers to withhold a percentage of the property sale to pay to the IRS – not taking this withholding following a transaction can result in an IRS penalty of 5% of the transaction’s value per month for up to 5 months.Originally, this withholding amount was set at 10%, but during the Obama administration, the rate was changed to 15% under the Debt Reduction Act. The goal of raising this rate was to ensure there were sufficient funds to pay outstanding taxes on any transaction that occurred involving a foreign seller.We go into further detail about what FIRPTA is and how it affects both buyers and sellers involved in the U.S. real estate market in this episode. Make sure you give it a listen, especially if you’re involved in real estate, and check back soon to see when our next episode goes live.Richard Kahn of FIRPTA Refunds

Many people want to invest in real estate, and one of the reasons why they want to do this is because they think it’s easy. Although this is true to some extent, real estate investing is only easy when you have the right partners to help you out.When you invest in real estate, access to capital will always be a necessity. On our latest episode of Today’s Real Talk, we are joined by Patrick Prunty and Stephanie Miller from Marshall Reddick Real Estate. This real estate investment firm is based out of California but takes deals all over the country.One of the things that sets this investment firm apart is their transparency. They want investors to feel confident in their loans, and Marshall Reddick Real Estate funds out-of-the-box loans and deals that may not be a good fit for an institutional lender.This investment firm is also an asset-based lender, so they fund deals with high loan-to-value ratios. All they do before agreeing to fund a deal is verify the value of the property instead of verifying your income. They’re not afraid to loan to anyone, and they also have their own real estate investors passively looking to invest in the deals they fund.Real estate investing can be intimidating, but you must be willing to take the plunge. Learn more about this nontraditional approach to investing, especially if you are an investor yourself, and another side of the investment market in this episode.Marshall Reddick Real Estate

The pandemic sped up the demand for online real estate closings, but are they really safe and credible? Electronic Notarization and Notary Enforcement Director at the NC Department of the Secretary of State, Ozie Stallworth, and Real Estate Attorney, Justin Ckezepis unpack the questions around real estate fraud prevention, pandemic closings, and e-closing changes!On Today’s Real Talk, hosted by Justin Ckezepis, we go over hot topics in today’s real estate market, but we don’t just talk about the problems – we also introduce solutions.

Are there really any affordable health care plans outside of Obama Care in 2021?This is one question nearly all individuals and businesses, ranging from real estate brokers to seasoned entrepreneurs, ask today.  In Episode Four of Today's Real Talk, Justin goes over this important healthcare and wealth planning topic with The Retirement Wealth Coach® Steven Crawford.  This can make securing health insurance incredibly expensive for individuals and business owners alike.You can learn more about these solutions at http://www.figwealthadvisors.com.

Episode 3 is ALL ABOUT The Biggest U.S. Tax Changes in 30 years! ‍‍‍‍‍‍ ‍‍ ‍‍  These changes have affected: ✅ Real Estate ✅Business Owners ✅The everyday American citizen! ‍‍‍‍‍‍ ‍‍ ‍‍‍‍‍‍ ‍‍  To make things easier to understand we decided to bring on Tax professional, Ed Lloyd, who is the owner of Ed Lloyd & Associates, PPLC. ‍‍‍‍‍‍ ‍‍ ‍‍‍‍‍‍ ‍‍  He provides EXCELLENT insight into the following: ‍‍‍‍‍‍ ‍‍ ‍‍‍‍‍‍ ‍‍ ✅The Difference between the new and old tax code. ✅Top 3 Questions You should ask yourself when it comes to taxes and structure. ✅How these tax changes have affected what you can write off. ✅The effect on Businesses. ✅The effect on Real Estate. ✅What you can do to ensure you are overpaying the government in taxes. ‍‍‍‍‍‍ ‍‍ ‍‍‍‍‍‍ ‍‍  If you want to discuss tax solutions for yourself or your business. ‍‍‍‍‍‍ ‍‍ ‍‍‍‍‍‍ ‍‍  Ed Lloyd has provided a FREE GUIDE to download to help you MAXIMIZE your Tax Return in regards to the Tax Cut & Jobs Act changes! ‍‍‍‍‍‍ ‍‍ ‍‍‍‍‍‍ ‍‍  ➡️Download your FREE TAX CUT GUIDE here: http://elcpa.com/tax-cut/

With everyone at home and online more than ever, we discuss the increasingly important topic of cybersecurity and what you can do to protect your personal and business information. ‍‍‍‍‍‍ ‍‍Learn how to:Protect your home against hackers How to protect your financial accounts What social media platforms to avoid to protect your privacyOur special guest on this episode is John Stengel of JSCM Group, a company that offers security management and testing services designed to help people protect their sensitive information. ‍‍‍‍‍‍ ‍‍

WHY IS AFFORDABLE HOUSING AN ISSUE RIGHT NOW?Back in 2005, when the housing market started to decline through the main crash in 2008/2009, people started getting loans for properties when they shouldn’t have. Combine that with a slowed job market, and many of these people had to default on their loans. A decade later, while the market has grown significantly, we’re still not in a normal situation, since market inventory is low and there’s a high demand for homes, especially in the $100,000 to $250,000 range. Even ready, willing, and able buyers have to offer more for homes than they’re worth, which makes finding affordable housing a difficult process.A SOLUTION IN THE MARKET:We brought up one solution to this problem by bringing Kelvin Young of KEYO Tiny House onto our show. He builds beautiful, stick-built tiny homes and is driven to do this to bring affordable housing to the marketplace. These homes feature high-end appliances, tankless water heaters, granite surfaces, 16-foot ceilings, and a host of other incredible amenities.THE HOUSING CRISIS CONTINUEDIn the second part of Today’s Real Talk Episode 1 podcast, we continue to cover the affordable housing crisis in relation to relaxed land use and zoning rules. We bring back Kevin Young from KEYO Tiny House, as well as Levi Santos from MVB Bank. Levi runs a program that was originally designed for people building custom homes, but today is used for those building a KEYO Tiny House.Through this program, buyers with a minimum score of 660 can qualify for a mortgage to build a KEYO Tiny House. With this opportunity, they also have the flexibility to build on property where they normally wouldn’t be able to afford to live, like right off of Lake Norman.THE FINAL WORDWe enjoyed talking about what’s going on in the market in terms of affordable housing right now and hope you go ahead and listen to this two episodes in their entirety. Catch us next time on Today’s Real Talk!Resource Links:KEYO Tiny House: https://www.keyotinyhouse.com/Levi Santos with MVB Mortgage: https://lsantos.mvbmortgage.com/Charlotte Regional REALTOR® Association April 2018 Market Report: https://apps.carolinarealtors.com/files/Local%20Market%20Update%20April%202018.pdfNational Association of REALTORS® Stats: https://www.nar.realtor/sites/default/files/documents/ehs-04-2018-summary-2018-05-24.pdfForbes Article Discussing Affordable Housing Solutions: https://www.forbes.com/sites/lawrenceyun/2018/05/02/what-to-do-to-relieve-housing-inventory-crunch/#10ead25e3e0eHusqvarna AutoMower Video: https://www.youtube.com/watch?v=KE7O3dK07nQLooking for a Real Estate School to take your Continuing Education courses? Look no further! https://www.superiorschoolnc.com/instructors/bill-gallagher/