Parhaat College Planning Podcastit (2024)

1
College Application Timeline: What You Need to Work on Now! 39:04

10h ago39:04

39:04

Send us a Text Message. In this episode, Arielle and her teammate, Arrin Dutton discuss how seniors can prepare for the application season. They chat about deadlines, essays, testing, and letters of recommendation. This is a jam-packed episode with everything students need before they apply!Kirjoittanut Arielle Villanueva

1
Deal Alchemy™ - Debt Paydown to Cash Flow 25:21

14h ago25:21

25:21

Deal Alchemy™ - Debt Paydown to Cash Flow Join us for an exciting and enlightening class with James Orr as he delves into the fascinating world of Deal Alchemy™. In this class, listeners will discover a surprisingly powerful strategy that has the potential to drastically improve cash flow on rental properties. Whether you're considering buying a ne…

1
Bombshell Changes to the ACT 36:55

3d ago36:55

36:55

Originally a webinar aired July 17, 2024... College consultant Andy Lockwood of Lockwood College Prep grills head tutor Marissa U on the latest suprise-not-surprise announcement about the ACT. See LockwoodCollegePrep.com and LockwoodTestPrep.com for webinars and more information about our college advisory and SAT and ACT prep offerings.…

1
College Finances | Exposing All The HIDDEN FEES In College 30:49

9d ago30:49

30:49

Takeaways: - Parents should help their children develop a budget and create an emergency savings fund for - unexpected expenses in college. - Open conversations about emergencies and when to use the emergency fund are important. - Having a good relationship with academic advisors can help students navigate course requirements and avoid unnecessary …

1
Tax Deductibility of PMI Payments 14:22

5d ago14:22

14:22

Tax Deductibility of PMI Payments Are you an owner-occupant puzzled by the ever-changing rules around PMI (Private Mortgage Insurance) deductibility? Or perhaps an ambitious real estate investor, hungry to maximize your deductions and supercharge your profits? Then this class is your golden ticket to the world of tax wisdom! Join us for an exhilara…

1
A Few Financial Aid and Essay Faux Pas 32:02

9d ago32:02

32:02

Originally broadcast on College Coffee Talk, 7-15-24 (Mondays 10am EST, Facebook.com/lockwoodcollegeprep): College consultants Pearl and Andy Lockwood discuss a handful of mistakes to avoid in the financial aid and college essay writing process. More information about the Lockwoods' college advising, financial aid and scholarship consulting and SAT…

1
Deep Thoughts Re: Summer Applications and Essays 32:48

12d ago32:48

32:48

Originally broadcast on College Coffee Talk (Mondays, 10am EST, Facebook.com/lockwoodcollegeprep) College advisors Pearl andy Andy Lockwood yak about the applications and essays, including mistakes to avoid, when to get what done, the truth about applying to college today, more. See the Lockwood's website, LockwoodCollegePrep.com for more informati…

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Functional Obsolescence Unveiled: The Silent Value Killer in Real Estate Investments—and How to Defeat It! 31:05

12d ago31:05

31:05

Functional Obsolescence Unveiled: The Silent Value Killer in Real Estate Investments—and How to Defeat It! There's a often overlooked risk of investing in reale state: obsolescence. Whether we're focused on properties that are or will become functionally obsolete or drift directly into economic or physical obsolescence... these are real-world risks…

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How to Analyze an All-Cash Rental Property Purchase 1:08:50

19d ago1:08:50

1:08:50

How to Analyze an All-Cash Rental Property Purchase Deal analysis is important. Learning how to analyze deals is a critical skill for all real estate investors, whether you're financing 100% of the purchase or buying a property without a loan at all and paying all cash. In this class, we will look at how deal analysis changes when you plan to buy a…

1
College Finances | This Is EXACTLY How To Budget In College 33:41

23d ago33:41

33:41

Takeaways Know your values and understand your needs versus wants when it comes to spending money. Use resources like the Bean Game and a budgeting template to track your expenses. Consider taking CLEP exams to earn college credits and save time and money. Take advantage of campus transportation, discounts, and free events. Shop where you can earn …

1
How Return on Investment Changes Based on Credit Score With PMI 41:52

26d ago41:52

41:52

How Return on Investment Changes Based on Credit Score With PMI Does your credit score really matter when you're buying rental properties? Sure, your credit score impacts the mortgage interest rate you can get with traditional mortgages. And yes, your credit score affects how much private mortgage insurance (PMI) will cost. Your credit score can al…

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The Fictional World of Campus Tours & "The Cookie Monster" 10:47

1M ago10:47

10:47

Takeaways Parents should ask their children questions about their college tours to understand what they are really looking for in a school. Students often focus on superficial aspects like cookies or the appearance of other students, rather than the academic programs or majors offered. It is important for parents to guide their children in making i…

1
What Should Applicants Know About the University of Georgia? 27:08

1M ago27:08

27:08

Send us a Text Message. In this episode, Arielle is joined by Cindy Ganas from the University of Georgia to discuss how students can succeed in the UGA admissions process. They discuss UGA's initiatives for helping students transition, the role of admissions representatives, and the academic criteria UGA considers.…

1
Is It Better to Buy Rentals with 25% Down or All Cash After Buying an Owner-Occupant? 31:25

1M ago31:25

31:25

So, are you stressing out over higher mortgage interest rates and properties not cash flowing as well as they used to, or in some markets, not having positive cash flow at all... even with 25% down? What's a real estate investor seeking financial independence to do? In this class, we will compare two strategies. In both strategies, you first buy an…

1
College Finances | How The Government Can Help Pay For College 26:25

1M ago26:25

26:25

Takeaways The government offers various programs and aid to help students pay for college, including grants, loans, military programs, and AmeriCorps. It is important to understand the financial implications of taking out loans and consider alternative options before resorting to loans. Participating in AmeriCorps and other service programs can pro…

1
How to Ruin a Financial Aid Appeal 25:17

1M ago25:17

25:17

From College Coffee Talk (Mondays 10am EST, Facebook.com/LockwoodCollegePrep): College advisors Pearl and Andy Lockwood discuss: *How to ruin a financial aid appeal * "Secret" skills not taught in college (that should be taught) See LockwoodCollegePrep.com for more info, and subscribe/follow us on Facebook, Youtube or this podcast channel to be upd…

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The Impact of Buying Properties at a 5% Discount When Nomading™ 26:23

1M ago26:23

26:23

So, you're considering Nomading™. Excellent! But as you dig into the details, you may wonder what the impact would be if you chose to buy a more desirable, higher quality, but maybe less optimal property at full price (without a discount), versus focusing on finding a slightly less desirable, slightly lower quality, but slightly more optimized rent…

1
College Essay Mistakes, Magical Thinking 28:32

2M ago28:32

28:32

Originally aired on College Coffee Talk (Mondays 10am EST Facebook.com/lockwoodcollegeprep), college advisors Pearl and Andy Lockwood discuss common application essay mistakes, and the problem with magical thinking. Plus, Pearl introduces a new segment, Don't Do That! (This one had Andy speechless. Seriously.) Info about our essays and applications…

1
Deal Alchemy™ - Black Box Cash Flow 31:55

2M ago31:55

31:55

Deal Alchemy™ - Black Box Cash Flow Deal Alchemy™ is all about manipulating returns to get the returns you desire most. One variation of Deal Alchemy™ has you think about your rental property investment as a black box. You put money into the black box, some magical things happen over the next few years and out pops profit which you can spend like c…

1
College Finances | FASFA EXPLAINED, Everything You Need to Know For Your Future 34:56

2M ago34:56

34:56

Takeaways: The FAFSA (Free Application for Federal Student Aid) is a crucial application for receiving financial aid for college. Parental involvement is essential in the FAFSA process, and special circumstances can impact the aid received. The financial aid department at colleges can provide valuable assistance in navigating the FAFSA and special …

1
More FAFSA Glitches, Child Behavior We'd Like to Change 30:09

2M ago30:09

30:09

Originally broadcast on College Coffee Talk, June 3 (Facebook.com/lockwoodcollegeprep): Pearl and Andy Lockwood discuss even more annoying and frustrating FAFSA problems. Plus, child behavior we'd like to change.Kirjoittanut Pearl and Andy Lockwood

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Warning - Risks of Rental Demand Declining When Investing in Real Estate 27:09

2M ago27:09

27:09

Warning - Risks of Rental Demand Declining When Investing in Real Estate Risk, risk, risk... Life is full of risks. To a limited degree, we get to choose which risks we voluntarily take on. For example, if you choose to invest in real estate, you choose to take on some additional risks that you might not—directly—face if you opt to invest in someth…

1
College Planning Tips from a High School Counselor 29:52

2M ago29:52

29:52

Send us a Text Message. In this episode, Arielle invites Justin, a high school Dean of Students, to share tips for effective communication with your high school counselor, strategies to identify and leverage your academic abilities, and practical advice for students who are feeling unsure about their future goals.…

1
Private Mortgage Insurance Myths 27:24

2M ago27:24

27:24

Private Mortgage Insurance Myths Reputation can be a challenging thing. I have found, through many conversations with clients over the years, that Private Mortgage Insurance (PMI) has a questionable reputation with home buyers in general and investors in particular. However, much of its reputation is based on half-truths, bad information, lies, and…

1
College Finances | SCHOLARSHIPS, How To Win The Most Money 35:13

2M ago35:13

35:13

In this episode, Hector and Kayla discuss scholarships and how they work. They explain that scholarships are money that you apply for and don't have to pay back. They clarify that scholarships are not handed out as physical checks, but are directly sent to the school to cover tuition and other expenses. They also discuss the wide range of scholarsh…

1
Warning - Risks of Neighborhood Decline When Investing in Real Estate 28:22

2M ago28:22

28:22

Warning - Risks of Neighborhood Decline When Investing in Real Estate Everything in life has risks. Not investing adds certain types of risks, while investing adds other risks. One risk that some real estate investors face is the possibility that the neighborhood they're investing in will decline, causing values and/or rents to drop. So, how do we …

1
How to Analyze a Duplex 21:03

3M ago21:03

21:03

How to Analyze a Duplex Some real estate investors are sensitive to their ability to get ten 30-year fixed rate financing loans and would prefer to fill those loan spots with larger purchases than just single family rental homes. One way to do that is to buy more expensive properties like duplexes, triplexes or fourplexes. In this class, James will…

1
College Finances | All The Ways You Can Pay For College 29:26

3M ago29:26

29:26

Navigating the payment process for college shouldn't require a degree in finance, and this episode is your cheat sheet to owning it. We dissect the myriad of options to foot those bills—think work-study, scholarships, grants, and yes, even the road less traveled like Americorps or military service. Get the inside scoop on what funding methods are o…

1
How to Analyze Deals with Private Mortgage Insurance (PMI) 12:39

3M ago12:39

12:39

How to Calculate PMI If you're a house hacker, Nomad™, investor buying properties with less than 20% down, or buying creatively where the seller has PMI, you'll want to make sure you know how to analyze deals that have Private Mortgage Insurance. In this mini-class, James will cover how to analyze deals that have PMI, with an emphasis on doing it u…

1
Understanding College Affordability 40:57

3M ago40:57

40:57

Send us a Text Message. In this episode, Arielle and Ann discuss college affordability. They debunk common misconceptions about paying for college and share the importance of understanding college costs. They also highlight the use of net price calculators, the importance of student ownership in the college admissions process, and various methods f…

1
Is it Better to Pay Off Properties with Cash Flow or In Full When Nomading™? 36:02

3M ago36:02

36:02

In many cases—not all, but many cases—real estate investors can speed up the time it takes to become financially independent by choosing to pay off the mortgages on their properties early. Sometimes it makes sense to take every extra dollar beyond a healthy amount of reserves and aggressively pay off properties as quickly as possible. Other times, …

1
Who Are We, Why Are We Here? 39:59

3M ago39:59

39:59

Ever find yourself scratching your head, wondering how to navigate the college maze without drowning in debt or regret? That's where we come in—Hector Lopez and Kayla Record—your unconventional guides through the thickets of higher education. Imagine having over-experienced, no-cost guidance counselors at your disposal—well, that's us, minus the of…

1
The Death of Test-Optional? 28:53

3M ago28:53

28:53

College Coffee Talk, April 24, 2024. (Live 10am EST, Facebook.com/lockwoodcollegeprep): Another blow to test-optional, the latest on student loan "forgiveness" developments. See LockwoodCollegePrep.com for more information on our college advisory, financial aid consulting, test prep and other programs.…

1
Deal Alchemy™ - Residential vs Commercial Property 14:51

3M ago14:51

14:51

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…

1
Warning - Risks of Loan Called Due When Investing in Real Estate 30:12

3M ago30:12

30:12

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…

1
College Applications | Early Decision, Last Tips, Series Wrap Up 37:08

4M ago37:08

37:08

Ever wondered how to outsmart the college application clock and not just meet deadlines but strategically beat them? That's exactly what Hector Lopez and I, Kayla Record, unpack in this revealing episode of Cut Throat College Planning. We share the inside scoop on why early application submissions can be a game-changer, diving into the benefits of …

1
How to Analyze Buying a Rental Property at a Discount 36:48

4M ago36:48

36:48

How to Analyze Buying a Rental Property at a Discount in College Station 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 th…

1
Harvard: Safety School? 33:03

4M ago33:03

33:03

4/1/24 episode of College Coffee Talk (Mondays 10am EST Facebook.com/lockwoodcollegeprep): The FAFSApocalypse - signs of relief? Harvard - Safety School? The first 100K per year college (not a sick April Fool's joke) More! For 11th graders: Get College Ready Summer Applications and Essays Bootcamp: LockwoodCollegePrep.com/bootcamp…

1
How to Calculate PMI 13:29

4M ago13:29

13:29

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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College Applications | The BIGGEST SECRET to Stand Out in Your College Application 37:21

4M ago37:21

37:21

This journey of college planning isn't just about ticking boxes; it's a collaborative adventure involving Post-it notes and a dash of creativity. We guide you through an interactive activity designed to map out your ideal recommenders, illuminating a spectrum of achievements that will make your application glow. Kayla and I share insights on how to…

1
How to Choose a College Major 38:30

4M ago38:30

38:30

Send us a Text Message. In this episode, Arielle and Jordan explore how experiences and learning new skills in high school can shape students' college majors. They share tips for students who are unsure of what to study, including trying new activities, considering colleges that support student exploration, and utilizing tools like personality asse…

1
New: Financial Aid "Secrets" for Families Who Think They Can't Qualify 1:24:34

4M ago1:24:34

1:24:34

Originally a live webinar on 3/20/24, college consultants Pearl and Andy Lockwood revealed how to comfortably afford college -- without cutting back on your lifestyle or racking up tens of thousands in high rate, high fee college debt (on your kid or you) -- by taking advantage of legal and ethical "loopholes" buried in the financial aid regulation…

1
Is it Better to Buy Rentals with 20% Down or For All Cash After Buying an Owner-Occupant First? 31:13

4M ago31:13

31:13

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 …

1
How to Beat the Leprechauns in the Financial Aid Office 31:23

4M ago31:23

31:23

College Coffee Talk (originally aired 3/18/24 - Mondays 10am EST on Facebook.com/lockwoodcollegeprep): A financial aid "hack" to beat the leprechauns in the financial aid office, another college pulls the plug on test-optional, more! Resources: LockwoodTestPrep.com/online LockwoodCollegePrep.com/bootcamp…

1
Live Workshop at the Manhasset (NY) Library 1:22:29

4M ago1:22:29

1:22:29

Recording of Andy Lockwood's presentation to an intimate group of parents (including one with a First and Third Grader) in March 2024. Lockwood fielded a variety of questions, including: *How many times should you take the PSAT? * What are "good" extracurricular activities? *How long will this presentation last (asked by a 5th grade daughter dragge…

1
Deal Alchemy™ - Increasing Down Payment 19:58

4M ago19:58

19:58

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…

1
Can My Kid Get Into Harvard? 5:39

4M ago5:39

5:39

From the Virtual Mailbag: Can your kid get into Harvard? Probably not. Well, maybe (although their published rate is currently in the 3% range, yikes!) We’ve helped a couple dozen kids get into Harvard over the years, but even we know that there’s no “magic recipe.” But we do know what it takes…Kirjoittanut Pearl and Andy Lockwood

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College Applications | NAILING Your Application Interview 29:57

5M ago29:57

29:57

Ever wondered what it takes to nail a college application interview? Tune in as Kayla Record and I, Hector Lopez, share crucial strategies for making a lasting impression on admissions committees. We delve into the nuances of interviews across various academic scenarios, highlighting their pivotal role in both specialist programs and competitive sc…

1
Post Mortem: The First Digital SAT 32:17

5M ago32:17

32:17

College Coffee Talk 3-11-24 (broadcast live on Facebook.com/lockwoodcollegeprep): Feedback on the first digital SAT in the US What do do if your FAFSA info doesn't tell the whole truth Bombshell reasons for the FAFSA problems (and what to do about them) More, from the live Q&A Join Pearl and Andy Lockwood live, Mondays 10am EST on their Facebook pa…

1
Warning - Risks of Rental Property Expenses When Investing in Real Estate 43:07

5M ago43:07

43:07

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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