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The Double Comma Club

Education Podcasts

Building wealth through real estate.

Building wealth through real estate.


United States


Building wealth through real estate.






The Lowest Rate Doesn't Mean Your Lender is Serving You Best

Nicole gives you three examples as to what a creative lender can do for you. Creative is another word for experienced here. When you simply go with the lowest rate without any other thought to the best financial plan for your longer goal, you are selling yourself short and most likely costing you and your family a lot of money. Tune in to hear these quick examples.


Fact vs. Fiction - Reverse Mortgages

Gabe Bodner, Reverse Mortgage specialist at The Rueth Team joins Nicole for this episode. #1 myth: you give up the title of your house with Reverse Mortgage. Bank or lender takes over the house. FACT: You still own the house. #2 myth: you can no longer pass the house to your heirs. FACT: your heirs can inherit the home, pay off the reverse mortgage and inherit the additional equity above the reverse mortgage. #3 myth: You're losing equity FACT: Not losing but USING some of your equity....


Inflation Explained to Understand Why It Changes

Headlines regularly push the topic of inflation. We usually know it's bad if it goes up, but why? What causes the change, and what industries are affected by it that will affect my life? These are questions answered in this episode. so what is inflation? We know it can occur in any product or service including need base expenses and want base expenses. We also know that the Federal Reserve Bank monitors the inflation rates. The Consumer Price Index (CPI) measures what you and I feel at the...


Earnest Money Guarantee is Your Secret Weapon Against All Cash Offers

Being competitive isn't strategic, it's a must. Competitive offer tactics can include: Here are some loan approval options to make your offer stand out. Sellers want the best experience selling so they can turn around and buy their next home. Tune in to this short and helpful episode. Learn more about this offer Nicole covers here >


DMAR May 2021 Taper Tantrums and Equity Cushions

While the economy roars back to life, real estate continues to be judged. DMAR tells us that 2594 for sale - a lower than low figure. The previous low was 2015 with around 2400. Listen in for this recap.


How to Build Your Top 25 Brand Advocates

We continue the Agent Ignite session with Dr. Bruce Lund as he helps us master the four-hour workday. Some of what he covers in this session includes knowing the difference between a promoter and an advocate. Understanding the levels of relationships in business: Connectors, climbers, somedays, aspirational, and experts. He has some actionable homework for you too. Get excited! Listen now.


The First 90 Minutes of Your Four Hour Workday - Mind, Body, Heart and 30 for the Spirit

Have you ever heard of the concept, "Eat the frog"? Eat the frog is basically, do the one thing that you really don't want to do first thing in the morning. So for a lot of us that is working out, and so I'm just a big believer. Here is a time system that works for success. Nicole's guest is Dr. Bruce Lund. He's here to get us started on the successful method of a four-hour work day by starting from the moment your feet hit the floor - the first 90 minutes, then going into the next 30...


Strained Denver Housing Inventory, Understanding Headlines, and Cryptocurrency

Here's the quote that impacted me today. Courage doesn't always roar. Sometimes courage is the quiet voice at the end of the day saying, "I will try again tomorrow." I'm going to get up and I'm going to try again tomorrow. I loved this quote because some days you just feel so beaten down, but I actually love this quote right now from the perspective of the first-time homebuyer. It just really struck out at me because I know we've been working through trying to get those first-time homebuyers...


Fact vs. Fiction - Housing Bubble - Colorado

This is the one topic that has not only generated more calls to our office but to our agent clients, a crazy number of internet searches. People want to know - is the housing bubble about to hit? Let Nicole tell you how it is in Colorado. Fiction: an imminent collapse is coming. Fiction: forbearance will lead to foreclosures, especially in Colorado. Fact: Equity gain is our saving grace. Fact: What's happening is leaps and bounds different than 2008. Listen to this 10-minute episode to...


Fact vs. Fiction - Home Loans

As part of the continuing Fact vs. Fiction series, Nicole talks about the facts and fiction of home loans. Listen to this 7-minute episode, play again until it sticks. A preview: Fact 1 - call your lender first Fiction 1 - assume the best loan for them is with 20% down or minimum down. Fact 2 - you have the power to affect your monthly payment. Fiction 2 - renting is not more cost-effective unless you are only looking at the immediate short term. You want to pay your OWN mortgage, not your...


Fact vs. Fiction: Interest Rates and Long-term Investments

After hitting low historical interest rates 14 times last year, let's set the record straight. The first piece of fiction is that Rate is King. This is not always exactly as it appears. Oh, and the one using your house as a method to save interest rates on credit cards. Be smart. Then we move into the fiction of long-term real estate investments. >A buy and hold strategy provides OPTIONS. But, just as with rates, options also bring misinformation, many times turning people away from a...


What is the purpose of a title company in a real estate transaction?

If you have ever been involved in a Real Estate transaction, you've dealt with Title. But what do we need to know about the title process and what should we ask our underwriters? Sima Patel from WFT National Title gives us pointers. Some of what she covers includes advice for those who have gone through bankruptcies or are buying a home from someone who has gone through BK, what you need to know about trusts, LLCs, and quick claim deeds to avoid legal disasters. ----more---- Get to know...


Questions to Ask Your Homeowner's Insurance Agent

We all know insurance is important, even though we hope to never use it. Because no one wants to pay $5,000 out of pocket when they could have been paying an extra $2 a month. Enter, the creative insurance agent. Unlike 30-40 years ago, insurance brokers can help you find the best value for money when it comes to your homeowner's policy and covering any investments you may have as well. I had the chance to sit down with Brandon Ridder of Goosehead Insurance to talk more about the importance...


Tight Inventory Is Behind Denver Real Estate Market Agony

Let's start with strong demographics. 33% of home buyers today and for the next decade are first time home buyers with nothing to sell, taking from an already stressed market with nothing to give in return. At the other end of the spectrum baby boomers are delaying their downsizing, moving into assisted living nursing homes, or in with family due to their heightened pandemic risk, holding onto those homes younger families need. For new builders NAHB noted lumber continues to spike up with...


What Consumers Need to Know About Appraisals

Nicole's guest, Joey Pizzi of JP Appraisal Services wants consumers to know a few things about the appraisal process to help them before the appraiser arrives, and for buyers to understand the current market filled with over-asking-price offers.


How to Raise Your Credit Score

There are a lot of things that go into qualifying for a loan. One that remains the same no matter the product, you need to have a good credit score. If you're looking to purchase a home you need to make sure you're set up to get the best financing you can by having the best credit you can. This week I am beyond excited to share one of my hidden secrets, David Emge of Credit Advisor. He's our go-to at The Rueth Team to help our buyers get their credit score where it needs to be to qualify for...


Exploring 80113, 801212, 80103, 80119, 80222 Neighborhoods

Nicole's guest is Jenny Usaj of Usaj Realty. She explores several zip codes in neighbhoods that have seen a wonderful uptick in prices, as well as ongoing opportunity for investment. Jenny also gives agents advice about how to help their clients drill their buyers down to real needs, rather than distractions when they research online. She wraps up with talking about condos, and future income property and her favorite neighborhoods.


Top 4 Things to Know Before an Inspection, How to Exit Forbearance

Listen to this 15-minute recap from January's tips: Why an inspector is a must, Top 4 Things to Know Before an Inspection, and Exiting Forbearance. We've been talking a lot lately about buying your first investment. But what if you're a first-time homebuyer? One of the things that you're going to do right out of the gate when you get under contract is called a home inspector. And if you don't know one, you're probably going to get one from your real estate agent. But what does a home...


Today’s Real Estate Market – I know. I wonder. I’m boggled!

There are things I know, things I wonder about, and things that boggle my mind. Here are a few… I knew demand was about to explode before 2020 began. Demographics told us that. 8.8 to 9.2 million first-time home buyers were coming and they wanted a piece of the American Dream. With the largest age cohort numbering over 23 million, Americans aged 25 to 29 are looking to start families and buy homes. And once someone has a child they are twice as likely to purchase a home. I knew that a...


Ivy Zelman's Insights at the Fairway Economic and Housing Summit

This is only one session from the outstanding series of presentations during the Fairway Economic and Housing Summit on December 17. The full event featured presentations by the following. You can watch the replays on YouTube here: Barry & Dan Habib Dave Stevens Ivy Zelman Chris Whalen Rob Chrisman Mike Fratantoni Moderated by Nicole Rueth, Sarah Middleton, and Peter Beanland. Follow along with this presentation from Ivy Zelman. (PDF) ----more---- About Our Featured Presenter: As CEO...