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coffee talk augusta

coffeetalk augusta

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Fun & Interesting hopefully... maybe talk about nothing but including tech stuff, a little sports, movies, classic rock , and oh yeah some talk about goings on ... NO POLITICS OR CORONA
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Rachel Augusta

Rachel Augusta

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Rachel Augusta is committed to helping humans with extremely common issues they might be having with their furbabies where western medicine doesn't necessarily have the answers. Rachel Augusta is not a veterinarian and does not diagnose or prescribe medications and you should refer to a licensed veterinarian for traditional medical care or for questions concerning specific illnesses. You are solely responsible for consulting a veterinarian in any case of physical, mental or emotional illness.
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Welcome to The Phenomena Podcast with Augusta Chapman! Each episode, Augusta (comedian, writer) and Eva (paranormalist, digital culture enthusiast) talk about ghosts and their role in American culture, media, and sociality -- well, we used to. Now we kind of just talk about any phenomenon, haunted or otherwise, that is fascinating us at the moment. Augusta and Eva (used to) use their background in anthropology to research and discern the meaning and patterns of apparitions, hauntings, and le ...
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"Shots in the Back: Exhuming the 1970 Augusta Riot" tells the story of one of the first major Civil Rights Era riots in the South. The immediate cause of the riot in Augusta, Ga. was the brutal murder of Charles Oatman, an African American teenager held by police in the county jail. During the riot, six Black men were killed by white police officers, all of them shot in the back. In a collaboration, students at the Jessye Norman School of the Arts join GPB in telling this story.
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Pastor Schwartz's sermon for May 19, 2024 (Pentecost)Readings used:- Ezekiel 37:1-14 | https://www.biblegateway.com/passage/?search=Ezekiel+37%3A1-14&version=NIV- Acts 2:1-21 | https://www.biblegateway.com/passage/?search=Acts+2%3A1-21&version=NIV- John 15:26-27; 16:4b-15 | https://www.biblegateway.com/passage/?search=John+15%3A26-27%3B+16%3A4b-15&…
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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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Pastor Schwartz's sermon for May 12, 2024Readings used:- Acts 1:12-26 | https://www.biblegateway.com/passage/?search=Acts+1%3A12-26&version=NIV- 1 John 5:9-15 | https://www.biblegateway.com/passage/?search=1+John+5%3A9-15&version=NIV- John 17:11b-19 | https://www.biblegateway.com/passage/?search=John+17%3A11b-19&version=NIVCheck our website for inf…
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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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Pastor Schwartz's sermon for May 5, 2024Readings used:- Acts 10:34-48 | https://www.biblegateway.com/passage/?search=Acts+10%3A34-48&version=NIV- 1 John 5:1-8 | https://www.biblegateway.com/passage/?search=1+John+5%3A1-8&version=NIV- John 15:9-17 | https://www.biblegateway.com/passage/?search=John+15%3A9-17&version=NIVCheck our website for info on …
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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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Pastor Schwartz's sermon for April 28, 2024Readings used:- Acts 8:26-40 | https://www.biblegateway.com/passage/?search=Acts+8%3A26-40&version=NIV- 1 John 4:1-21 | https://www.biblegateway.com/passage/?search=1+John+4%3A1-21&version=NIV- John 15:1-8 | https://www.biblegateway.com/passage/?search=John+15%3A1-8&version=NIVCheck our website for info on…
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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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Pastor Schwartz's sermon for April 21, 2024Readings used:- Acts 4:1-12 | https://www.biblegateway.com/passage/?search=Acts+4%3A1-12&version=NIV- 1 John 3:16-24 | https://www.biblegateway.com/passage/?search=1+John+3%3A16-24&version=NIV- John 10:11-18 | https://www.biblegateway.com/passage/?search=John+10%3A11-18&version=NIVCheck our website for inf…
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As we end John’s Gospel, we ask on question: What now?What do we do with it?What we need most is to see that discipleship, this following Jesus, this being sent in the Holy Spirit…It is not something that we can use our cultural measures of success and failure to understand.It is not like choosing a career path.This life found in Christ alone is no…
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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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Pastor Schwartz's sermon for April 14, 2024Readings used:- Acts 3:11-21 | https://www.biblegateway.com/passage/?search=Acts+3%3A11-21&version=NIV- 1 John 3:1-7 | https://www.biblegateway.com/passage/?search=1+John+3%3A1-7&version=NIV- Luke 24:36-49 | https://www.biblegateway.com/passage/?search=Luke+24%3A36-49&version=NIVCheck our website for info …
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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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Pastor Schwartz's sermon for April 7, 2024Readings used:- Acts 4:32-35 | https://www.biblegateway.com/passage/?search=Acts+4%3A32-35&version=NIV- 1 John 1:1 -- 2:2 | https://www.biblegateway.com/passage/?search=1+John+1%3A1+--+2%3A2&version=NIV- John 20:19-31 | https://www.biblegateway.com/passage/?search=John+20%3A19-31&version=NIVCheck our websit…
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How to Analyze Buying a Rental Property at a Discount in Augusta 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 test o…
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Pastor Schwartz's sermon for March 31, 2024 (Easter Sunday)Readings used:- Isaiah 25:6-9 | https://www.biblegateway.com/passage/?search=Isaiah+25%3A6-9&version=NIV- 1 Corinthians 15:1-11 | https://www.biblegateway.com/passage/?search=1+Corinthians+15%3A1-11&version=NIV- Mark 16:1-8 | https://www.biblegateway.com/passage/?search=Mark+16%3A1-8&versio…
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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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Sermon notes 👇Barabbas is seen in all four Gospels.It’s interesting to me that Barabbas’s name literally means “son of the father.”So, when Pilate gave the crowd a choice between Jesus and Barabbas, they choice a violent man - a murderer - whose name meant son of the father.Meanwhile, they were clamoring for the death of the true Son of God - the t…
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Pastor Schwartz's sermon for March 24, 2024 (Palm/Passion Sunday)Readings used:- Zechariah 9:9-12 | https://www.biblegateway.com/passage/?search=Zechariah+9%3A9-12&version=NIV- Philippians 2:5-11 | https://www.biblegateway.com/passage/?search=Philippians+2%3A5-11&version=NIV- Mark 14--15 | https://www.biblegateway.com/passage/?search=Mark+14--15&ve…
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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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Pastor Schwartz's sermon for March 17, 2024Readings used:- Jeremiah 31:31-34 | https://www.biblegateway.com/passage/?search=Jeremiah+31%3A31-34&version=NIV- Hebrews 5:1-10 | https://www.biblegateway.com/passage/?search=Hebrews+5%3A1-10&version=NIV- Mark 10:32-45 | https://www.biblegateway.com/passage/?search=Mark+10%3A32-45&version=NIVCheck our web…
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Sermon notes 👇What part of Jesus as Lord and Savior are you willing to believe?What parts do you struggle with?John 18:1-27 has to do with Jesus’s arrest, but there is another story intertwined with it, and it is that of Peter denying Jesus 3 times…just as Jesus foretold. As these two scenarios are contrasted, we are guided to recognize and confron…
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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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Ch Schneider's sermon for March 10, 2024Readings used:- Numbers 21:4-9 | https://www.biblegateway.com/passage/?search=Numbers+21%3A4-9&version=NIV- Ephesians 2:1-10 | https://www.biblegateway.com/passage/?search=Ephesians+2%3A1-10&version=NIV- John 3:14-21 | https://www.biblegateway.com/passage/?search=John+3%3A14-21&version=NIVCheck our website fo…
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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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Pastor Schwartz's sermon for March 3, 2024Readings used:- Exodus 20:1-17 | https://www.biblegateway.com/passage/?search=Exodus+20%3A1-17&version=NIV- 1 Corinthians 1:18-31 | https://www.biblegateway.com/passage/?search=1+Corinthians+1%3A18-31&version=NIV- John 2:13-22 | https://www.biblegateway.com/passage/?search=John+2%3A13-22&version=NIVCheck ou…
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How to Analyze a New Construction Single-Family Home Property in Augusta 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, James w…
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Pastor Schwartz's sermon for February 25, 2024Readings used:- Genesis 17:1-7, 15-16 | https://www.biblegateway.com/passage/?search=Genesis+17%3A1-7%2C+15-16&version=NIV- Romans 5:1-11 | https://www.biblegateway.com/passage/?search=Romans+5%3A1-11&version=NIV- Mark 8:27-38 | https://www.biblegateway.com/passage/?search=Mark+8%3A27-38&version=NIVChec…
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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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Pastor Schwartz's sermon for February 18, 2024Readings used:- Genesis 22:1-18 | https://www.biblegateway.com/passage/?search=Genesis+22%3A1-18&version=NIV- James 1:12-18 | https://www.biblegateway.com/passage/?search=James+1%3A12-18&version=NIV- Mark 1:9-15 | https://www.biblegateway.com/passage/?search=Mark+1%3A9-15&version=NIVCheck our website fo…
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