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Chesapeake Conservancy

Chesapeake Conservancy

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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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BBCva Chesapeake Sermons

Dr. Marcus Bridges

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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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Chesapeake Almanac

Chesapeake Bay Foundation

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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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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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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 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 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, 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 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 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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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.Kirjoittanut Chesapeake Bay Journal
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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 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 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 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 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 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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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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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 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 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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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 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 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 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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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 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 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 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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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 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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In the last few years, we've seen equity explode. Property prices have been growing like a weed in a spring. And, lower mortgage interest rates mean loan paydown has been more like the Mississippi than a backyard creek. Many real estate investors who owned property during that period will be tempted to tap into that equity to invest in more propert…
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How can you speed up your journey to financial independence (FI)? In this special class, James will go over a brand-new spreadsheet and walk you through all the different ways to speed up your achievement of financial independence. James covers the following in this class: What is financial independence? How is financial independence defined mathem…
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Preparing to Get Mortgages So, you’ve decided to invest in real estate and know that you’ll need a mortgage to buy property. There are some things you should do BEFORE you apply for your mortgage. You should be thinking about these things ideally for multiple years before you try to get a mortgage. In this mini-class, we will discuss the preparatio…
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Accessing Equity in Properties With prices up a lot over the last few years and interest rates having lingered near all-time lows, many real estate investors find themselves sitting on massive amounts of equity in their properties. But, how do you access that equity? In this mini-class, James will look at a variety of ways to access equity in prope…
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The Return on Investment on Extra Down Payments You’re buying a rental property. You have more than you need for a down payment, closing costs and reserves. One option you’re considering is putting more down. Putting more down will often improve cash flow and Cash on Cash Return on Investment. The dollar amount of returns from Appreciation and Depr…
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Most real estate investors consider themselves financially independent when the income from all of their investments exceeds their personal expenses. To achieve this, they need net positive cash flow from all rental properties after all expenses, any income generated from stocks, bonds, or other investments times a safe withdrawal rate, and any soc…
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