Eli Beer is a pioneer, social entrepreneur, President and Founder of United Hatzalah of Israel. In thirty years, the organization has grown to more than 6,500 volunteers who unite together to provide immediate, life-saving care to anyone in need - regardless of race or religion. This community EMS force network treats over 730,000 incidents per year, in Israel, as they wait for ambulances and medical attention. Eli’s vision is to bring this life-saving model across the world. In 2015, Beer expanded internationally with the establishment of branches in South America and other countries, including “United Rescue” in Jersey City, USA, where the response time was reduced to just two minutes and thirty-five seconds. Episode Chapters (0:00) intro (1:04) Hatzalah’s reputation for speed (4:48) Hatzalah’s volunteer EMTs and ambucycles (5:50) Entrepreneurism at Hatzalah (8:09) Chutzpah (14:15) Hatzalah’s recruitment (18:31) Volunteers from all walks of life (22:51) Having COVID changed Eli’s perspective (26:00) operating around the world amid antisemitism (28:06) goodbye For video episodes, watch on www.youtube.com/@therudermanfamilyfoundation Stay in touch: X: @JayRuderman | @RudermanFdn LinkedIn: Jay Ruderman | Ruderman Family Foundation Instagram: All About Change Podcast | Ruderman Family Foundation To learn more about the podcast, visit https://allaboutchangepodcast.com/ Looking for more insights into the world of activism? Be sure to check out Jay’s brand new book, Find Your Fight , in which Jay teaches the next generation of activists and advocates how to step up and bring about lasting change. You can find Find Your Fight wherever you buy your books, and you can learn more about it at www.jayruderman.com .…
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That Home Loan Hub
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A tartalmat a Zebunisso Alimova biztosítja. Az összes podcast-tartalmat, beleértve az epizódokat, grafikákat és podcast-leírásokat, közvetlenül a Zebunisso Alimova vagy a podcast platform partnere tölti fel és biztosítja. Ha úgy gondolja, hogy valaki az Ön engedélye nélkül használja fel a szerzői joggal védett művét, kövesse az itt leírt folyamatot https://hu.player.fm/legal.
Welcome to That Home Loan Hub, your ultimate guide to mastering the world of home loans and property. I'm Zebunisso Alimova, here to simplify the complexities of real estate and provide you with expert insights and the latest trends.
Whether you're a first-time homebuyer, an experienced investor, or simply curious about the property market, this podcast is for you. Join me each week as we unlock the secrets to property success and help you make informed decisions. Let's dive into the world of property together!
50 epizódok
Megosztás
Mind megjelölése nem lejátszottként
Manage series 3603762
A tartalmat a Zebunisso Alimova biztosítja. Az összes podcast-tartalmat, beleértve az epizódokat, grafikákat és podcast-leírásokat, közvetlenül a Zebunisso Alimova vagy a podcast platform partnere tölti fel és biztosítja. Ha úgy gondolja, hogy valaki az Ön engedélye nélkül használja fel a szerzői joggal védett művét, kövesse az itt leírt folyamatot https://hu.player.fm/legal.
Welcome to That Home Loan Hub, your ultimate guide to mastering the world of home loans and property. I'm Zebunisso Alimova, here to simplify the complexities of real estate and provide you with expert insights and the latest trends.
Whether you're a first-time homebuyer, an experienced investor, or simply curious about the property market, this podcast is for you. Join me each week as we unlock the secrets to property success and help you make informed decisions. Let's dive into the world of property together!
50 epizódok
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What happens after you've settled on your dream home? The journey doesn't end when you get the keys - that's just the beginning of a whole new chapter in your homeowner story. Most new homeowners don't realize that the cashback they received from their bank comes with strings attached. For typically three years after settlement, switching lenders means repaying that welcome bonus you received. We break down why hasty bank-hopping could cost you more than you think when weighing up lawyer fees against potential benefits. Your mortgage advisor shouldn't disappear after settlement day. We recommend scheduling a check-in six to twelve months later to review your loan structure and ensure everything's working as planned. By this point, you've settled into your new normal - you understand your budget, council rates, insurance costs, and household expenses. This makes it the perfect time to develop strategies for paying down your loan faster and potentially exploring your next property move. For new build owners, we highlight the importance of understanding your warranty coverage - usually a 10-year Master Build guarantee that can save you significant headache and expense when things go wrong. We share a cautionary tale about burst pipes, insurance excesses, and the stark difference between new builds with warranties versus older homes where you're on your own after purchase. The relationship with your mortgage advisor should be ongoing rather than transactional. Though we try to maintain regular contact with all clients, we're honest about sometimes dropping the ball in follow-ups. Don't hesitate to reach out if you haven't heard from us - we're always here to help navigate your ongoing mortgage journey and remember your unique situation in ways that big banks simply can't. Ready to revisit your mortgage structure or discuss your next property move? Get in touch today to ensure your homeownership journey stays on the optimal path for your financial future. Send us a text…
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That Home Loan Hub
From the moment your offer goes unconditional to the day you receive your keys, there's a crucial window of opportunity to make decisions that will shape your homeownership journey for years to come. This eye-opening episode pulls back the curtain on what happens after the excitement of having your offer accepted, revealing the essential steps that many first-time buyers overlook. We dive deep into the art of structuring your mortgage to fit your unique life circumstances. Should you fix for six months or five years? How can aligning your payment cycle with your payday save your credit score? And why does paying weekly rather than monthly help you chip away at your principal faster? These seemingly small decisions can save you thousands over the life of your loan. Perhaps most powerfully, we share personal stories about the importance of protecting your new investment with appropriate insurance. When one of us lost her father at a young age, her mother had to work three jobs while grieving because there was no financial safety net. This raw, honest conversation highlights why "relying on Give a Little pages is just not good enough" when it comes to securing your family's future. The episode is packed with practical wisdom you won't find in typical homebuying guides: arranging utilities before you move (avoiding the cold shower on moving day!), planning your final inspection, organizing free moving boxes, and the four-box method for efficiently sorting your belongings. Whether you're weeks away from settlement or just beginning your homebuying journey, these insights will help you navigate the process with confidence and foresight. Ready to turn your house into a home without the stress? Listen now, and don't forget to share your own settlement day stories with us online. Send us a text…
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That Home Loan Hub
Navigating the property purchase journey involves critical moments that can make or break your homeownership dreams. The moment your offer goes "unconditional" represents one of the most significant commitments you'll make in the process—yet many buyers remain confused about what this actually means. We unpack the crucial distinction between going unconditional and settlement day. Think of unconditional status as your engagement—you've made a serious commitment and legally bound yourself to the purchase, but you haven't yet gotten the keys or moved in. This distinction frequently creates confusion among first-time buyers who don't understand why they're celebrating a purchase they can't yet access. The stakes at this stage couldn't be higher. Once unconditional, backing out means facing potentially severe financial penalties. We share real-world scenarios where circumstances forced buyers to reconsider after going unconditional—resulting in significant financial losses. This isn't meant to frighten you but to emphasize the gravity of this commitment. Practical considerations abound during this phase. Your deposit payment comes due within 24 hours, requiring careful financial planning. If you're using KiwiSaver funds, timing becomes critical as withdrawals take ten working days to process. Similarly, coordinating the end of rental agreements requires foresight to avoid the financial strain of paying both rent and a mortgage simultaneously. We also emphasize the absolute necessity of conducting final property inspections before going unconditional—sharing cautionary tales of flooded properties and tenant damages that have derailed purchases at the eleventh hour. Our insider knowledge helps you navigate potential roadblocks, including how to properly request extensions if bank approvals or other requirements are delayed. These insights come from years of helping buyers through exactly the stressful scenarios most guides never mention. Listen now to ensure your journey from pre-approval to property ownership proceeds with confidence rather than confusion. Your dream home awaits, and understanding the unconditional phase is your key to claiming it without costly missteps. Send us a text…
Found a house you love but not sure what happens next? The excitement of house hunting can quickly turn to confusion when it's time to make an offer. In this practical episode, we demystify the crucial steps between getting pre-approval and making an offer on your dream home. House hunting should be fun, not stressful! We share actionable tips to streamline your property search, from creating a prioritized checklist of must-haves versus compromises to leveraging websites like Trade Me and building relationships with flexible real estate agents who can accommodate your schedule. Can't make that Sunday open home? Don't worry - we explain how agents can often arrange private viewings that work around your availability. The offer process itself comes with potential pitfalls that can trip up even the most prepared buyers. We reveal one of the most overlooked yet critical errors people make when signing sales and purchase agreements - dating the document before vendors sign! This simple mistake could cost you valuable days on your finance conditions. Plus, we explore the complexities of using KiwiSaver for deposits (not all lawyers handle this the same way), how to choose the right property lawyer, and what happens when your offer is accepted and moves to conditional approval. Ready to navigate the property market with confidence? Listen now, and be sure to stay tuned for our next episode where we'll explain what happens after your conditions are met and you go unconditional on your property purchase. Want our comprehensive house buying guide? Reach out directly and we'll send it your way! Send us a text…
Stepping into the mortgage pre-approval process can feel like navigating a maze without a map. What exactly happens after you receive that coveted pre-approval letter from your bank? This episode demystifies the journey between pre-approval and property purchase, breaking down the crucial conditions you'll need to satisfy. We tackle one of the biggest misconceptions first-home buyers face – how to evidence your deposit. For those relying on KiwiSaver withdrawals, there's good news: you don't need to wait until finding a property to get your withdrawal letter! Simply contact your provider directly to start this process. We also explore the ins and outs of registered valuations, explaining why these should only be ordered after your offer is accepted (saving you unnecessary expenses along the way). Diving deeper into pre-approval conditions, we unpack income verification requirements for both employed and self-employed buyers, the proper way to close existing debts (hint: cutting up credit cards isn't enough), and the increasingly important role of insurance in the approval process. For single buyers planning to have flatmates help with mortgage payments, we explain the border declaration requirements you'll need to satisfy. We also highlight special considerations for properties with monolithic cladding and those in flood-prone areas – crucial knowledge in today's climate-conscious property market. Whether you're a first-time buyer or returning to the market after years away, understanding these pre-approval conditions puts you in the driver's seat of your property journey. Armed with this knowledge, you'll be better prepared to meet bank requirements efficiently and move confidently toward making an offer on your dream home. Ready to take the next step? Stay tuned for our upcoming episode where we'll walk through exactly what to do when you find a property and how to structure your offer for success. Send us a text…
Ready to step onto the property ladder? Our latest episode demystifies the first critical step every aspiring homeowner needs to understand: pre-approval. As we've seen a surge in first-home buyer inquiries, we're breaking down the entire home purchasing journey into digestible episodes, starting with the foundations. Pre-approval isn't just paperwork—it's your financial compass for the house hunting process. We explain exactly what information lenders examine, from income and savings to expenses and employment status. We distinguish between pre-assessment (your initial consultation with an advisor) and formal pre-approval (the bank's conditional lending commitment), clarifying how each stage guides your home buying journey. The power of proper preparation became evident with recent clients who progressed from their initial advisor meeting to viewing properties within just two hours! This illustrates the confidence and clarity that comes with understanding your financial position. We also share an unexpected insight many first-time buyers experience—the emotional shock when they realize their homeownership dreams are genuinely achievable. While pre-approvals typically last 60-90 days (with extension options), knowing your numbers transforms your property search from wishful browsing to purposeful hunting. Construction loans follow a different pathway, which we'll address in a dedicated future episode. Join us next time as we continue the journey, exploring what happens after securing your pre-approval and how to navigate the next exciting steps toward homeownership. Send us a text…
A startling revelation emerged from my trip to the Financial Advisor New Zealand conference in Christchurch – most Kiwis aren't getting professional financial advice. While our counterparts in Australia, the UK, and Canada regularly seek financial guidance, New Zealanders tend to rely on casual advice from "Uncle Bob at the barbecue" or friends at sporting events. This knowledge gap becomes particularly concerning as baby boomers prepare to transfer substantial wealth to younger generations who may lack the financial literacy to manage it effectively. The conference spotlighted a fascinating gender imbalance in our industry. Not only are women underrepresented as financial advisors, but they're also less likely to seek professional financial guidance. This disparity creates a troubling dynamic, especially considering that when parents age or face health challenges, it's typically the oldest daughter who takes responsibility for managing their finances – often without having the necessary experience or knowledge. As a passionate advocate for women in finance, I had the honor of hosting a women in financial advice breakfast attended by over 80 people, where we explored how to address both sides of this equation: bringing more women into the profession while encouraging more women to seek financial guidance. Connecting with industry leaders was a conference highlight, from spending time with powerhouse keynote speaker Vanessa Stoikov to sitting alongside legends like Naomi Ballantyne, who built and sold two insurance companies. We explored cutting-edge AI developments in financial services and discussed navigating economic uncertainties with a focus on "controlling the controllable." The energy and insights were so valuable that our entire team will be attending next year's Auckland conference. If you're thinking about your financial future or wondering how to make the most of potential inheritances, reaching out to a professional advisor could be the most important step you take. Financial literacy isn't just about managing money – it's about creating security, opportunity, and legacy for generations to come. Send us a text…
Mortgage relief or savings squeeze? The April 9th OCR announcement looms large with significant implications for Kiwi households. We're predicting a modest 0.25% drop, which could provide welcome breathing room for the mortgage holders currently floating and waiting for the right moment to fix. The impact of this anticipated change cuts both ways across our economy. While homeowners might celebrate potential mortgage relief, we unpack the challenging reality for retirees and others dependent on interest income from savings. With banks already offering two-year fixed rates at 4.99%, we examine whether now might be the time to lock in your mortgage. Real estate dynamics are shifting as well, with increased activity among both first-home buyers and investors despite ongoing economic uncertainties. For many families, any financial relief from lower mortgage payments must be balanced against the rising costs of rates, power, and insurance. This delicate economic equilibrium affects nearly every household in different ways. Whether you're looking to get on the property ladder, managing existing mortgage commitments, or planning your retirement investments, understanding these OCR implications is crucial. Listen now for our complete analysis and predictions on how this announcement might affect your financial situation in 2025 and beyond. What financial moves will you make in response to the changing economic landscape? Send us a text…
Ready to make your home more energy efficient or purchase an electric vehicle without the financial strain? Our latest conversation dives into the world of green loans – a game-changing financial option that's flying under the radar for many Kiwis. We explore how these specialized loans offer dramatically reduced interest rates – as low as 0-1% compared to standard 5-5% loans – making environmentally friendly choices much more accessible. From solar panels and batteries to heat pumps, insulation, water tanks, and double-glazed windows, green loans cover a surprising range of home improvements. For those in the market for cleaner transportation, these loans extend to electric vehicles and even electric bicycles. The application process couldn't be simpler. You'll need a quote from an authorized provider, but most banks charge no application fees, and the approval process mirrors a standard home loan top-up. Once approved, you typically have three months to use the funds (with possible extensions), provided you have sufficient equity in your home to secure the loan. With winter approaching and power bills set to rise, timing couldn't be better to consider these energy-efficient upgrades. Perhaps most compelling is the urgency factor – these exceptional rates could disappear from the market at any moment. If you've been contemplating solar energy, an EV, or upgrading your home's efficiency, now might be the perfect time to speak with your financial advisor about green loan options. Could this be the financial opportunity that helps both your wallet and the planet? Send us a text…
Wrapping up the financial year with tremendous gratitude and celebration! Join us as we reflect on a year of remarkable achievements and growth for our mortgage advisory team. The numbers tell an inspiring story: over 200 families have found their pathway to homeownership through our services, with more than $70 million in loans settled despite many being cases that other advisors or banks had previously declined. What truly sets our approach apart is our willingness to tackle the challenging scenarios. When clients hear "no" elsewhere, they come to us for creative solutions and dedicated advocacy. This commitment to finding possibilities where others see roadblocks has become our hallmark, allowing hundreds of families to move forward with their financial goals and dreams. Our team has grown alongside our client base, welcoming new advisors James and Kunj, whose expertise you've been enjoying through recent podcast episodes. Their contributions have enhanced our ability to serve a broader range of client needs with specialized knowledge. We're equally grateful to our network of lending partners—both mainstream banks and specialized lenders—who collaborate with us to make the seemingly impossible happen. Our insurance services have also provided crucial protection for clients' assets and wellbeing, including successfully settled claims during difficult periods. Looking toward the future, we remain committed to helping more families achieve financial stability and success. Thank you for being part of this journey with us—here's to another year of turning financial challenges into opportunities! Send us a text…
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That Home Loan Hub
Discover the untapped potential of Second Chance KiwiSaver – a lifeline for Kiwis who've previously used their KiwiSaver for a home purchase but had to sell due to circumstances beyond their control. We dive deep into how this program works and who qualifies, with a focus on real-world application. The heart of this episode is an inspiring success story about a couple in their late fifties who had given up hope of ever owning a home again after bankruptcy seven years ago. Despite their challenges, they continued contributing to their KiwiSaver accounts, unknowingly building a pathway back to homeownership. Their journey highlights that it's never too late to start over, and financial setbacks don't have to be permanent. We walk through the application process step-by-step, explaining how Kāinga Ora assesses eligibility and provides approval letters that remain valid for six months. Learn what documentation you'll need, how to approach your KiwiSaver provider, and what to expect when working with mortgage advisors after approval. This information is crucial for anyone who has faced divorce, bankruptcy, or financial hardship that resulted in selling their first home. The key takeaway? Don't give up on homeownership if you've had setbacks. Second Chance KiwiSaver might be your path forward, and continuing to contribute to your KiwiSaver is vital regardless of your current housing situation. Share this episode with anyone you know who might benefit from this lesser-known opportunity – you might just change someone's life. Send us a text…
The highly publicized "cashback wars" between banks have many Kiwi homeowners wondering how to claim their share of advertised $20,000 incentives. But what's the real story behind these attention-grabbing headlines? We break down exactly how mortgage cashbacks work, revealing the often-overlooked mathematics behind these offers. While $20,000 sounds incredible, this would require borrowing over $2 million, as cashbacks typically represent just 0.8-0.9% of your total loan amount. For the average New Zealand mortgage of around $500,000, a more realistic expectation would be approximately $4,500. Beyond the dollar figures, we explore the crucial fine print that accompanies these offers. Most banks require you to remain with them for three years after receiving a cashback, with pro-rata clawback conditions if you leave early. We also discuss the lesser-known concept of cash retention, where your existing bank might offer financial incentives to prevent you from refinancing elsewhere. Making the right decision requires careful consideration of multiple factors: potential cashbacks, legal costs, break fees for existing fixed loans, and possible retention offers from your current lender. Rather than being swayed by headline figures, it's worth consulting with a mortgage advisor who can calculate whether staying or moving makes more financial sense for your specific situation. Have questions about whether a cashback offer might benefit your mortgage situation? Reach out to discuss your options and determine if the timing is right to take advantage of the current competitive banking environment. Send us a text…
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That Home Loan Hub
A forgotten classic is making a comeback. Robert Kiyosaki's Cashflow Quadrant - the framework that revolutionized how a generation viewed wealth creation - remains as relevant today as it was 25 years ago when it first captivated eager minds seeking financial independence. James Shears breaks down this powerful concept with crystal clarity, explaining how income sources fall into four distinct categories: Employee, Self-Employed, Business Owner, and Investor. The left-side quadrants (Employee and Self-Employed) represent the traditional path where more money requires more time and effort. The right-side quadrants (Business Owner and Investor) represent financial freedom - where systems and investments generate income without your active involvement. For young professionals and first-home buyers in New Zealand, this episode offers practical stepping stones toward financial independence. KiwiSaver emerges as the perfect starting point, with its employer-matched contributions creating an instant "pay rise" while building investment capital. James explains how property investment provides another powerful path, with mortgage strategies that can save hundreds of thousands in interest while building equity for future investments. Self-employed listeners receive a crucial wake-up call about business value. If you "are the business," what happens when you're gone? The episode explores how to transition from self-employment to true business ownership by creating systems that function without your daily involvement - ensuring your hard work culminates in an asset with real market value rather than disappearing when you retire. Whether you're just starting your financial journey or looking to accelerate your path to independence, this timeless wisdom provides the roadmap. As James summarizes perfectly: "The sooner you get started, the better." Want to dive deeper? Google "Robert Kiyosaki Cashflow Quadrant" or pick up his legendary book "Rich Dad, Poor Dad" - still converting readers into investors after all these years. Send us a text…
Dreaming of that second property purchase but unsure if your numbers add up? Our candid conversation tackles the often misunderstood relationship between property equity and income requirements that determines your true buying power. Through a practical example based in Waikanae, we dissect the crucial difference between perceived equity and usable equity – a distinction that catches many property owners by surprise. While that $400,000 in property equity might look impressive on paper, we reveal why banks might only consider $190,000 of it usable for your next purchase, and how this dramatically affects your options. Diving into the mathematics of mortgage servicing, we explore the five-times income rule that banks typically apply and demonstrate how rental income factors into your borrowing capacity (spoiler: it's not as straightforward as you might hope). For our example client with $80,000 income and a desire to purchase a $950,000 property while retaining their existing home as an investment, we calculate exactly what income level would be required to make this dream a reality. Whether you're asset-rich but cash-poor, or simply trying to understand what's realistically achievable with your current financial position, this episode provides the clarity needed to set meaningful medium-term property goals. Ready to understand your true property purchasing power? Listen now and transform how you think about equity, income, and strategic property planning. Send us a text…
Michael Tresch from Southern Cross Partners pulls back the curtain on how property investors can access capital when banks turn them away. With over two decades of experience in non-bank lending, Michael shares invaluable insights into an often-overlooked corner of New Zealand's property investment ecosystem. For anyone who's had a bank decline their investment property loan, this conversation reveals the alternative pathway that might just save your next deal. Michael explains how Southern Cross Partners provides short-term funding solutions (3-24 months) for everything from rental property purchases to spec builds, renovations, and commercial developments. Their sweet spot? Being the bridge that helps investors secure a property or complete a project before ultimately refinancing back to mainstream lenders. What sets them apart is their remarkable speed and flexibility. With loan approvals often completed within 12 hours and their ability to lend up to $5 million without rigid serviceability criteria, they're perfectly positioned to help investors who need to settle quickly. Michael shares multiple case studies – from offshore borrowers investing in New Zealand to developers who hit construction hurdles mid-project – demonstrating how their relationship-focused approach extends beyond just providing capital. The conversation delves into specific lending parameters (interest rates starting at 8.1%, fees from 1.25%, and LVRs up to 70%), current market trends, and critical advice for property investors considering short-term finance. Michael's candid discussion of projects that have faced challenges offers valuable lessons about realistic pricing expectations and the importance of thorough due diligence. Whether you're a seasoned property investor or considering your first development project, this episode provides rare insights into non-bank lending that could become your secret weapon in a competitive market. Ready to explore how alternative lending might accelerate your property investment journey? Send us a text…
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