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The story of America’s largest estuary, its vibrant ecosystem and the people who rely on its health. Season 3 explores spotlights "Wavemakers," people 40 years old and younger who are making an environmental difference in the Chesapeake Bay region.
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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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show series
 
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 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…
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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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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…
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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…
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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…
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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…
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Connor Tupponce, a member of the Upper Mattaponi and Chickahominy tribes, discusses his work promoting tribal consultation in environmental and land-use matters in Virginia. Indigenous voices are crucial in managing public lands, he says. That's especially true at Werowocomoco, the recently rediscovered site along the York River that was once the s…
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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…
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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 …
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Ron Lopez is a researcher in wetlands ecology at Virginia Commonwealth University who is part of a team breaking ground on our understanding of potentially toxic algae blooms in the Shenandoah River. His efforts toward developing remote-sensing methods to map those slilmy blooms are the basis of his ongoing doctoral thesis. So, yes, we will be talk…
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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…
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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…
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Symone Barkley, a Baltimore native, is a recipient of the North American Association for Environmental Education’s "30 Under 30 Award," which recognizes young leaders in the field worldwide. And she’s a fellow traveler in the podcast world, hosting a podcast series for her employer, the National Oceanic and Atmospheric Administration. That would be…
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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, …
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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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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 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 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 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.Kirjoittanut 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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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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