The story of America’s largest estuary, its vibrant ecosystem and the people who rely on its health. Season 2 explores how Tropical Storm Agnes forever changed the Chesapeake Bay watershed.
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Learn all about investing in real estate in Chesapeake, Virginia with a combination of real estate financial planning and modeling with numbers specific to Chesapeake plus syndicated, more generalized recordings of live and pre-recorded real estate investing classes (not all specific to Chesapeake).
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A quick look at the demands of teacher unions for returning to classrooms from the perspective of a father of two living on the Chesapeake bay.
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We are a nonprofit based in Annapolis, MD focused on putting the power of technology toward Chesapeake conservation and restoration, and connecting people to the Bay through the John Smith Chesapeake Trail.
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Chesapeake Shores After Show Podcast recaps, reviews and discusses episodes of Hallmark Channel's Chesapeake Shores. Show Summary: High-powered career woman Abby O'Brien has made it out of her hometown of Chesapeake Shores and into the big city — New York. When the divorced mother of twins takes a trip home, she is confronted with people from her past — including high school sweetheart Trace, uncompromising father Mick and esteemed grandmother Nell.
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CBF President Will Baker and guests discuss what it will really take to turn the tide—to restore our Bay and its rivers and streams.
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We hope and pray that the sermons of Bethel Baptist Church, given by Dr. Marcus Bridges, help meet you right where you are in your relationship with Jesus. Whether you have known Jesus for years, are trying to find out more about who He is, or are just catching up on a sermon you missed, this is the place for you!
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Join retired Chesapeake Bay Foundation Senior Naturalist John Page Williams every Wednesday for inside accounts of our Bay’s creatures and seasonal events. Follow the Bay through the seasons. Williams' fascinating natural history will enable those who love the Chesapeake to tune in to life around the Bay. The fishing enthusiast will discover things that help him or her catch more bluefish or white perch; the bird watcher and the hiker will learn when to look for the appearance of the ospreys ...
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Dive into the troubled waters of one of the most magnificent estuaries in the world. The Fateful Tale of Chesapeake Bay is a 4-part podcast that brings you the re-telling of 160 years of ecological and social history as seen through the eyes of 2 artists trying to piece it all together. Visual artist Judith Anketell and theatre maker Miriam Gould present this tale in the only way they can, interweaving the science with song, poetry and sound, to give perspective on the changing face of natur ...
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Deal Alchemy™ - Residential vs Commercial Property
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Deal Alchemy™ - Residential vs Commercial Property Deal Alchemy™ is all about manipulating the returns you're earning on your investments. Often, this is done through the choices we make when selecting the investment property and the strategies we choose to implement. For example, you could choose to invest in residential properties where your tena…
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Grace Ziegmont: She Caught the EPA by the Ear, and Officials Listened
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The Pennsylvania 4-H chapter has named Grace Ziegmont as one of its state project ambassadors. These are members who provide guidance to 4-H staff statewide on programming and projects. The 16-year-old York County resident also serves as the president of the Governor’s Youth Council for Hunting, Fishing and Conservation. And we haven’t even gotten …
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Warning - Risks of Loan Called Due When Investing in Real Estate
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Warning - Risks of Loan Called Due When Investing in Real Estate Investing in real estate adds some risk to an already risk-filled life. However, certain activities and strategies when investing in real estate create additional risks that other strategies and activities do not have. For example, choosing to utilize strategies where the lender has t…
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How to Analyze Buying a Rental Property at a Discount
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How to Analyze Buying a Rental Property at a Discount in Chesapeake Some real estate investors insist on only buying properties where they can purchase them at a significant discount. While not mutually exclusive, other investors insist on buying quality properties at a fair price as long as it gets them their desired returns and will stand the tes…
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Jay Fleming: Capturing the Chesapeake Bay's Disappearing History
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Jay Fleming has devoted his life to documenting a dying way of life on the Chesapeake Bay. He has compiled his photographs of watermen into two popular books. His photographs, more than anyone else's, tell the tale of of the estuary's seafood industry.Chesapeake Bay Journal
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How to Calculate PMI If you're planning to buy a property and put less than 20% down, you're likely to be required to pay Private Mortgage Insurance. Lenders prefer that you put at least 20% down, but if you insist on putting less than 20% down, they may still make the loan. However, they will usually do so at a slightly higher mortgage interest ra…
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Is it Better to Buy Rentals with 20% Down or For All Cash After Buying an Owner-Occupant First?
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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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Maya Alexander: Building Stronger Connections Between the Black Community and Nature
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Helping others fall in love with nature is one of Maya Alexander's main passions. She is African American and has experienced first hand the challenges of engaging with the outdoors, a pasttime that has traditionally been associated with the white middle class. Yet, Alexander, a community engagement manager for Virginia's Alliance for the Shenandoa…
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Deal Alchemy™ - Increasing Down Payment
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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
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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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Noah Bressman: Fighting Invasive Fish Species with Our Forks
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Noah Bressman, a Salisbury University researcher, has quickly made a name for himself as a marine biology researcher and a science communicator. He’s active on social media. He organizes fishing tournaments that incorporate environmental education. He envisions a world with fewer invasive fish in the Chesapeake Bay and its tributaries -- a world ma…
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How to Analyze a New Construction Single-Family Home Property
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How to Analyze a New Construction Single-Family Home Property in Chesapeake 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, Jame…
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The 3 Strategies to Pay PMI
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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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Carmera Thomas-Wilhite: Putting Environmentalism on a Path Toward Justice
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In early 2023, Carmera Thomas-Wilhite joined the Chesapeake Bay region’s most influential environmental group, the Chesapeake Bay Foundation, as its first vice president for diversity, equity, inclusion and justice. How’d she get there? What’s her mission? Find out in our conversation.Chesapeake Bay Journal
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Is It Better to Pay Off Rentals Early With Extra Cash Flow or Traditional Nomad™?
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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
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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
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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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How to Analyze a 5% Down Single-Family Nomad™ Property
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How to Analyze a 5% Down Single-Family Nomad™ Property in Chesapeake 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 dea…
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Anna Killius: At the Center of Environmental Policy
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Anna Killius is a political wrangler. Her formal title: executive director of the Chesapeake Bay Commission. She occupies a space with few peers in American politics: a regional influencer of environmental policy with her sights set on a single watershed. Here, she discusses how she builds consensus -- and steers clear of infighting -- to drive bet…
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What Affects Your PMI Rate
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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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Is It Better to Rent or Buy an Owner-Occupant Property for 5% Down When Otherwise Buying 25% Down Rentals?
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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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Randy Rowel: Overcoming a troubled youth to be a green mentor
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If anyone has the word "mentor" written all over them, it's Randy Rowel. He coordinates the Chesapeake Research Consortium's C-StREAM (Chesapeake Student Recruitment, Early Advisement, and Mentoring) program, helping to guide people of color into green careers. He talks with us about how the environmental sector can bring more diversity into its ra…
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Deal Alchemy™ - Lease-Options
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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
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Warning - Insurable Risks When Investing in Real Estate Life has risks. Real estate investing in Chesapeake 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 to…
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Luke McFadden: The Influencer in Brown Coveralls
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Within three years, Luke McFadden has built a mini-empire on social media, accumulating 1.6 million followers on TikTok and hundreds of thousands more on other sites. He simply shows what life is like as a crabber on the Chesapeake Bay. No one has been more surprised with his success than the unassuming 27-year-old from Pasadena, Maryland.…
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How to Analyze a 20% Down Single-Family Home Rental
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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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What is PMI And How to Avoid It
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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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Imani Black: Blazing a Trail in Aquaculture
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Imani Black founded Minorities in Aquaculture in 2020. In doing so, she set out to help people of color, especially women of color, enter the growing field of aquaculture. Aquaculture is the technical name for fish farming or, in this case, oyster farming. This is a story about seismic shifts in an industry, a Chesapeake Bay way of life. But it’s a…
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Is It Better to Put 25% Down and Buy 9 Rental Properties After Buying an Owner-Occupant or Nomad™ with 5% Down?
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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
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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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The federally led campaign to save the Chesapeake Bay is officially 40 years old. This season, we turn to movers and shakers in the Bay sphere who weren't born when the effort got started. With the cleanup facing a critical inflection point, these younger voices -- we call them "wave makers" -- offer a tantalizing glimpse into what the future may h…
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Refinancing Rental Property Tips
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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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Financing Tips When Writing an Offer to Buy a Rental
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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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Is It Better to Sell Properties to Invest in Stocks If That Means Financial Independece When Nomading™?
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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
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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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