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College planning is stressful! We bring you the latest news on choosing a good fit college, presenting yourself effectively in college applications, writing effective college essays, building a successful high school resume, and navigating the college admission process successfully.
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Cut Throat College Planning

Kayla Record & Hector Lopez

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Did you know that 80% of high school students nationally chose their college based on where their friends are going? Don’t let that be your student. The Cut Throat College Planning podcast is your all-in-one, start-to-finish guide to get your student on the right path for life after high school. We want to welcome parents, students, teachers, and any high school staff interested in helping students plan for their next step into adulthood. Choosing a college or not to go to college, can be on ...
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The College Planning Edge

Pearl and Andy Lockwood

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College planning tips , strategies and various & sundry, not necessarily politically-correct thoughts on the whole college application and scholarships kit and kaboodle. Brought to you by Pearl and Andy Lockwood, best-selling authors, financial aid and admissions consultants based in Long Island New York, a/k/a one of the spazziest places on earth for college stress, weird ultra-competitive behavior by parents and teens! For more info, visit www.LockwoodCollegePrep.com
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Learn all about investing in real estate in College Station, Texas with a combination of real estate financial planning and modeling with numbers specific to College Station plus syndicated, more generalized recordings of live and pre-recorded real estate investing classes (not all specific to College Station).
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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.…
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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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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…
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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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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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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…
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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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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…
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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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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…
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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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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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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 …
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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…
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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…
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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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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…
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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…
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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…
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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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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…
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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…
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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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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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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…
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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…
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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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Originally broadcast on College Coffee Talk! [Mondays 10am EST, Facebook.com/lockwoodcollegeprep This live episode covered: *Student Loan Relief Case Study (that sounds too good to be true) *The digital SAT and decline of test optional policies *College essay news *More! Resources mentioned: Student Loan Relief service: https://www.yesterdaysdebt.c…
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How to Analyze a New Construction Single-Family Home Property in College Station 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,…
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Ain't nothin' more stressful in the college process than writin' them essays! Trust me, I'm a college ad-vey-sor! Relax. Kidding. But writing essays is definitely the most stressful part of the process. I think you'll feel a lot better after you listen to this short episode (originally a live streamed video). Mentioned in this video: our summer Get…
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Ever felt like your college essay might just be another drop in the application ocean? Kayla and I will change that perception forever as we tie up our enlightening series with a toolkit of strategies designed to make your essay the beacon that guides admissions officers to your shores. We're tossing the five-paragraph essay overboard and navigatin…
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College Coffee Talk 2/22/24: The Mom Who Ripped Me a New One, Latest News and Predictions About Test-Optional, Student Loan Forgiveness Plans Update. (Originally an episode broadcast on our Facebook page, facebook.com/lockwoodcollegeprep - Mondays 10am EST). More info at www.YesterdaysDebt.com and www.LockwoodCollegePrep.com…
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Send us a Text Message. In this episode, join Arielle as she chats with Fredrick Evans from Elon University about what makes the school unique. Uncover the qualities Elon looks for in applicants and how to highlight them. Gain insights into demonstrated interest in admissions and customizable experiences such as internships, research, and study abr…
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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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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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Ever found yourself staring at a blank document, the cursor blinking mockingly as you attempt to start your college application essay? Fear not, as Hector Lopez and I, Kayla Record, swoop in with our latest episode to save you from the common blunders that could send your essay to the reject pile. We'll teach you how to ditch the essay title and in…
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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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College Coffee Talk is back! College advisors Pearl and Andy Lockwood pull out this weekly college news show from the vault and dust it off to cover the latest developments on test-optional trends, FAFSA delays, more. Live every Monday 10am EST on https://www.Facebook.com/lockwoodcollegeprepKirjoittanut Pearl and Andy Lockwood
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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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Ever found yourself staring at a bullfight and realizing it's the perfect metaphor for your college application essay? That's the kind of unexpected twist we explore as I, Hector Lopez, team up with Kayla Record to break down the do's and don'ts of standout introductions. We're flipping mundane into magnificent, urging you to ditch the clichés and …
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Thoughts on the financial aid lawsuit involving Yale, Columbia, Duke, Brown, Emory, Penn, Georgetown, Cornell, Notre Dame, MIT, Cal Tech, Johns Hopkins, Dartmouth, Northwestern and Rice...and the truth about so-called "need-based" aid. Info on how to appeal your lowball financial aid or merit aid offer: https://www.lockwoodcollegeprep.com/appeals…
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Send us a Text Message. In this episode of College Planning Simplified, join Arielle and Lindsey as they discuss receiving a denied admissions decision. Together, they delicately navigate the emotional landscape of decision-making, offering a supportive hand to students and comforting advice for parents. In moments of college denial, Arielle and Li…
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How to Analyze a 5% Down Single-Family Nomad™ Property in College Station 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 bes…
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Breaking: January 24, 2024: Costume-clad and highly credible college advisors Pearl and Andy Lockwood issue their bold predictions for Class of 2025, 2026 and younger college-bound families, including: is test-optional here to stay? Will acceptance rates continue to drop? What effect will the Supreme Court's decision on affirmative action have on c…
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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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Join Hector Lopez and me, Kayla Record, as we shed light on the common blunders that could torpedo your college aspirations before they even set sail. We're here to arm you with the know-how to avoid redundancies, repeat performances of the same leadership spiel, and initiative statements that lack punch. Our conversation is a treasure trove of str…
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