Shows
Real Estate Agent Market Update and Mindset PodcastPowell vs. Trump: The Battle That Affects Your Mortgage - July 21st Monday Market UpdateSend us a textThe mortgage market is experiencing volatility with interest rates fluctuating between the mid-to-high 6% range after pushing toward 7% last week, showing increased responsiveness to economic news and policy shifts.• Interest rates have been affected by Federal Reserve meetings and uncertainty around fiscal policy• Tension exists between Trump and Fed Chair Jerome Powell over interest rate policies• Fannie Mae and Freddie Mac will begin accepting Vantage Score 4.0 for mortgage qualification starting August 1st - What does this mean!!• Market conditions vary significantly across different states and regions• Agents need to stay in...2025-07-2114 min
The Real Estate MailbagEp. 21: Nikki Sanders, Molly Jones, and Beth Ann Seddon: Staging a House to Make it a HomeAs Nashville edges deeper into what many now describe as a “buyer’s market,” sellers and real estate professionals must bring their A-game to attract attention and command top dollar. In this episode, we go behind the scenes with three of Nashville’s top home stagers to explore why staging is one of the most powerful tools in today’s real estate toolkit. Our guests include Nikki Sanders, founder of Design House Nashville and a seasoned Compass real estate professional; Molly Jones, designer and founder of Myah Staging, known for her thoughtful, detail-driven approach; and Beth Ann S...2025-07-1048 minReal Estate Agent Market Update and Mindset PodcastRates Down, Stocks Up: The Housing Reality Nobody's Talking AboutSend us a textInterest rates continued their downward trend last week, settling into the 6.5-6.625% range as the stock market reached all-time highs following a significant Senate bill passage. • Interest rates saw consistent decreases throughout last week• Stock market at all-time high, positively affecting mortgage bonds• Recent CNBC report highlighted 0.05% increase in 30-60 day mortgage delinquencies while ignoring decreases in longer-term delinquencies• Overall delinquency rates are lower compared to last year• Morgan Stanley forecasts on rate cuts by end of 2026...• Fundamental economic indicators (lower inflation, higher stock market) support continued sta...2025-07-0109 minReal Estate Agent Market Update and Mindset PodcastBeyond the Headlines: Finding Truth in Today's Real Estate Market - June 16th, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textThe real estate market experiences volatility due to the Israel-Iran conflict while navigating inaccurate market reporting and dealing with predictions for future appreciation rates. • Interest rates fluctuated between 7.5% and 6.375% last week due to the Israel-Iran conflict affecting oil prices and bond rates• Current mortgage rates are just under 7% at 6.875% for 30-year conventional with good credit and good down payment• Government borrowing to fund conflict involvement affects 10-year treasury rates, which impacts mortgage interest rates• The Fed meeting announcement comes Wednesday with predictions of no rate decrease• Redfin's report clai...2025-06-1614 minReal Estate Agent Market Update and Mindset PodcastJune 9th, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textThe Monday Market Update returns with key insights on changing real estate markets across the United States, highlighting significant regional differences and explaining why waiting for interest rates to drop might cost buyers more in the long run.• Jobs report exceeded expectations with 160,000 new jobs versus the anticipated 92,000• Bond market reaction pushed interest rates higher, breaking through resistance levels• Interest rates likely heading toward or exceeding 7% this week as CPI reports and China trade talks add uncertainty• Florida homes now average 65 days on market (up 12 days from April) with 38...2025-06-0911 minReal Estate Agent Market Update and Mindset PodcastJune 2nd, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textHere is the latest going on in the Market and a boost of Gratitude!• Trump announced doubling down on tariffs with China and the EU, affecting 10-year Treasury rates• Redfin's claim about seller/buyer imbalance lacks supporting data and seems designed to incite fear• Building trust requires becoming the reliable source of accurate information in your sphere• Gratitude serves as a foundation for success and opens you to greater possibilities• Your results directly reflect your thought patterns through the thought-feeling-action-result chain• We are halfway through the year—time to...2025-06-0316 min
Real Life Runners with Angie and Kevin Brown411: Unlock Your Potential Through Gut Health with Dr. Nikki DiNezza: How Tending to Your Gut Can Fuel Your Energy, Recovery, and ResilienceIn this empowering and eye-opening episode, I sit down with the incredible Dr. Nikki DiNezza—a true expert in the world of gut health. Whether you're a runner, a health-conscious human, or someone who’s just trying to feel better in your own skin, this conversation will resonate with you.Dr. Nikki shares her fascinating journey into gut health and explains how our digestive system is so much more than what we often think. We talk about why runners, in particular, need to prioritize their gut—especially if you've ever struggled with GI distress on a long run (y...2025-05-291h 23
Stroke Sisters: Stories of Strength and ResilienceFaith, Determination, and Healing: Nikki's Miraculous RecoveryIn this episode, Nikki Epperson shares her intense journey of surviving a stroke at the young age of 33. She describes waking up with a severe headache and later realizing she was experiencing a stroke. Despite being paralyzed on her left side, Nikki's faith and determination drive her rehabilitation. Through consistent exercises and lifestyle changes, including improving her diet and quitting alcohol, Nikki has defied doctors' expectations. With unwavering support from her husband, she learns to walk again and advocates for a positive mindset. Her story is a testament to resilience and the power of belief.Did you know 80...2025-05-0933 minReal Estate Agent Market Update and Mindset PodcastMay 5th, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textMortgage interest rates experienced volatility last week due to rumors about Japan selling treasury securities but have since stabilized back into the high 6's with expectations to settle in the mid-six range throughout the week.Student loan collections have officially begun for approximately 10 million Americans with delinquent loans• 5.3 million borrowers are in default (more than 270 days late) while 4 million are 91-180 days late• Collection actions can include garnishing tax returns, social security income, and up to 15% of wages• First step for those in default is obtaining a curren...2025-05-0516 minReal Estate Agent Market Update and Mindset PodcastApril 28th, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textThe real estate market shows signs of transitioning from a seller to a buyer's market with Florida leading the way at 13% of homes currently for sale while other states remain around 6-7%. How long will it take for this to move across the country...Interest rates continue to be volatile but are settling in the mid-to-high 6% range with potential downward pressure from economic factors.• Florida real estate market turning with 132,000 homes for sale out of 10 million residences (13%)• Minnesota and Arizona markets have fewer homes for sale at about 6.6-6.8...2025-04-2920 min
endokindNikki Campbell, Endometriosis Clinical Nurse Consultant, Nurse Practitioner Candidate, PatientNikki Campbell is an Endometriosis Clinical Nurse Consultant and a Nurse Practitioner Candidate, and she established Australia's first nurse-led clinic for patients with known or suspected endometriosis. Nikki is the OG endo nurse, an amazing advocate for patients, and she brings lived experience to her work as an endo patient herself. She is particularly passionate about being inclusive in her work with endo and pelvic pain patients, especially gender diverse and trans folks, and she's much loved within the Australian endo community and beyond. We cover A LOT in this conversation! Nikki walks us through he...2025-04-2357 minReal Estate Agent Market Update and Mindset PodcastApril 21st, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textThe real estate market remains the same as last week with mortgage rates fluctuating between high 6% and low 7%, Successful agents need to become the trusted source of information by consistently showing up across platforms with factual, educational content that cuts through misinformation.• Now is a great time to reach out to past clients about reviewing insurance policies as a valuable touchpoint• The Miami condo collapse has triggered stricter insurance requirements affecting transactions nationwide• Consider sharing personal or client insurance comparison stories on social media as valuable content• Be the voic...2025-04-2211 minReal Estate Agent Market Update and Mindset PodcastApril 14th, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textNikki covers interest rate volatility, USDA financing changes for manufactured homes, and strategies for maintaining client relationships.• Interest rates are correcting after last week's tariff-related volatility, settling back into the low sevens and high sixes• Previous clients are re-engaging in the market due to lease expirations, credit improvements, and life changes• USDA/Rural Development now allows manufactured homes with 0% down financing, expanding options for rural homebuyers• Self-employed borrowers changing business structures need to demonstrate "continuity of income" for mortgage qualification• Real estate professionals should foc...2025-04-1413 minReal Estate Agent Market Update and Mindset PodcastApril 7th, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textMarket volatility has created dramatic swings in mortgage interest rates, with rates falling sharply after tariff implementation caused stock market declines, then rebounding rapidly the following day.• Mortgage rates directly tied to 10-year Treasury bond yields, which drop when investors move from stocks to bonds• Recent volatility saw rates swing from 5.875% to around 8% within 24 hours• Locking rates provides protection while "relocks" allow borrowers to benefit if rates improve later• **Minnesota Housing has reduced down payment assistance amounts and increased minimum credit score requirements** KNOW THESE NUMBERS!• E...2025-04-0820 minReal Estate Agent Market Update and Mindset PodcastMarch 31st, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textThis is a BIG one!! Be sure to tune in and listen!!Mortgage interest rates remain in the mid to high 6's with significant changes coming to FHA mortgage eligibility that will impact non-permanent residents. Starting May 25th, only US citizens and permanent residents will qualify for FHA loans, while temporary residents with work visas must explore alternative financing options.• Mortgage rates holding in mid-to-high 6% range with potential to move lower later this year• Major FHA policy change eliminating eligibility for non-permanent residents effective May 25th•...2025-04-0115 minReal Estate Agent Market Update and Mindset PodcastMarch 24th, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textMortgage interest rates are currently in the mid to high sixes, with positive movement expected as housing data reports are released this week and reciprocal tariffs appear less impactful than initially feared.• Consumers without credit scores can qualify for mortgages through both FHA and conventional loans using non-traditional credit• Having no credit score often results in better interest rates than having a low credit score• Parents can help children establish credit by adding them as authorized users on credit cards at age 16. Establishing three trade lines with 12 months of paymen...2025-03-2510 minReal Estate Agent Market Update and Mindset PodcastMarch 17th, Monday Market Update and Mindset Call with Nikki, Cari and AngieSend us a textMortgage expert Nikki explains the critical importance of using proper language in purchase agreement addendums and how seemingly innocent terminology can create significant issues for mortgage approval. Proper communication between real estate agents and lenders before drafting addendums can prevent costly mistakes and ensure smoother transactions.• Market update: Fed meeting expected this week with no anticipated rate cuts but updated economic projections• Interest rates seeing slight increase due to market uncertainty but trending back down to mid-to-high 6% range• Reducing purchase price often better than large seller credits that buyers might...2025-03-1716 minReal Estate Agent Market Update and Mindset PodcastMarch 10th, Market Update and Mindset Call with Nikki, Cari and AngieSend us a textMortgage rates are holding in the mid to high 6% range with positive indicators from the bond market and expected lower CPI numbers suggesting future rate decreases. Property taxes on new construction homes follow a complex pattern from lot tax to full assessment that significantly impacts mortgage qualification and payment changes over the first few years of ownership.• Current mortgage rates remain in the mid to high 6% range• Improving bond market and expected lower CPI should help push rates down• Florida considering eliminating property taxes completelyMore on New Co...2025-03-1009 minReal Estate Agent Market Update and Mindset PodcastMarch 3rd, Market Update and Mindset Call with Nikki, Cari and AngieSend us a textEverything is still looking positive in today’s mortgage landscape! We explore critical changes in condo financing due to evolving HOA insurance policies that can affect buyers and sellers alike. I'm going through this right now with a seller, who is also a buyer.• Current interest rates stabilizing in the mid to high six range • Insurance industry changes impacting HOA coverage requirements • Understanding cash basis coverage and its implications for financing If you need help or guidance, look us up on social media or connect with us here...2025-03-0312 minReal Estate Agent Market Update and Mindset PodcastFebruary 24th, Market Update and Mindset Call with Nikki, Cari and AngieSend us a textEverything is looking positive in today’s mortgage landscape! We dive deep into recent trends in interest rates, providing insights on how buyers can strategically navigate the current market conditions. Watch for the housing number to come out later this week or tune in next week for all you need to know!• Recent improvements in interest rates make home-buying more accessible • Upcoming inflation data and its expected impact on mortgage rates • How small changes in rates can significantly affect monthly payments • Emphasizing the importance of a tailored home...2025-02-2518 minReal Estate Agent Market Update and Mindset PodcastFebruary 3rd, 2025 Tariff News & Impact on Loans - Navigate with Nikki!Send us a textTariffs!? What is going to happen to the Real Estate Market??...Also, tons of great information about USDA loans!Another must watch/listen Monday Market Update!Listen to this 15-minute call for up-to-date information on the market! Things are shifting - be sure to be in the know!Need help with business planning for 2025...Grab my eBook ➡️➡️➡️ Stan.Store/AngieGerber for so many helpful strategies to get you from where you are to where you want to be!!Email me if you have any ques...2025-02-2214 min
How do you divine?SEASON 2 FINALE | UNFILTERED Q&A: My Journey into Technology, YouTube Inspiration, and Dream Guests! Part 3In the final episode of Season Two of 'How Do You Divine,' Host Sanika Nikki answers your questions about her journey into technology, the inspiration behind starting her YouTube channel, and the significant themes she explores. Discover how Sanika's passion for data led her to a career in technology, why she decided to share her life on YouTube, and what she hopes to convey to her audience. She also discusses how she selects topics and guests for her content and the qualities she looks for in podcast guests. Learn about her dream guests, such as Oprah Winfrey and A...2024-12-2035 min