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Learn all about investing in real estate in San Bernardino, California with a combination of real estate financial planning and modeling with numbers specific to San Bernardino plus syndicated, more generalized recordings of live and pre-recorded real estate investing classes (not all specific to San Bernardino).
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This series began in response to the police killing of George Floyd on May 25, 2020. In this work, we hope to explore, enlighten, and engage ourselves and the campus community with ongoing panel discussions, lectures, presentations, and film screenings related to the history and current context of race, policing, and criminal justice. We invite leading scholars, journalists, lawyers, healthcare professionals, current and veteran members of law enforcement, faith-based leaders, the formerly i ...
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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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Zoom link: https://tinyurl.com/csusb-race-policing Join Luke William Hunt (link) -- a philosophy professor and former FBI Special Agent -- for a conversation about the ethics of police deception and dishonesty. In his new book, Police Deception and Dishonesty: The Logic of Lying, Hunt argues that many of our assumptions about policing and security …
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Tune in to this episode from, "The Briefing Room" where Lt. Kohrell and sidekick Sgt. Gray interviewed a friend and attendee of the "Women's Self-Defense Class." She will be speaking on the many things the class has to offer, and how women can benefit from it.San Bernardino Police Department による
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Join us for a conversation with Gisela Perez Kusakawa (Asian-American Scholar Forum, director, link). Find Ms. Kusakawa's recent article "From Japanese American Incarceration to the China Initiative, Discrimination Against AAPI Communities Must End" for the ACLU here (link). Zoom link: https://tinyurl.com/csusb-race-policing Thank you to the Colleg…
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Join us for a conversation with Rosemary (“Ruby”) Nidiry, a Senior Counsel in the Justice Program at the Brennan Center for Justice (link). She manages the program’s Law Enforcement Leaders to Reduce Crime and Incarceration project, a coalition of nearly 200 police chiefs, correctional officials and federal and state prosecutors from around the cou…
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Join us for a conversation with Dr. Samantha Simon (University of Arizona, link). Find Dr. Simon's new book, Before the Badge: How Academy Training Shapes Police Violence, here at the publisher's website (link) and here at Amazon (link). Find Dr. Simon's website here (link). Recording Coming Soon Thank you to the College of Social and Behavioral Sc…
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Join us for a conversation with Dr. Tony Cheng (Duke University, link). Find Dr. Cheng's new book, The Policing Machine: Enforcement, Endorsements, and the Illusion of Public Input, here at the publisher's website (link) and here at Amazon (link). Find Dr. Cheng's website here (link). Thank you to the College of Social and Behavioral Sciences, and …
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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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A conversation with Dr. Daniel Gascón and LG Freierman University of Massachusetts, Boston. Daniel Gascón is an Associate Professor in the Sociology Department at the University of Massachusetts Boston, a Research Fellow at the Mauricio Gastón Institute for Latino Community Development and Public Policy. He is the founding director of the Racial Ju…
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How to Analyze Buying a Rental Property at a Discount in San Bernardino 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…
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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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Tune in to this episode from, "The Briefing Room" where Lt. Kohrell and sidekick Sgt. Gray interviewed both Trainee Bobby Rodriguez and AJ Raya, who recently graduated from the San Bernardino Sherriffs Academy, Class 234. They discussed their experience going through the 23-week course and provided insight for those interested in joining our Depart…
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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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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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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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How to Analyze a New Construction Single-Family Home Property in San Bernardino 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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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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A conversation with Professor Vida Johnson (Georgetown Law, link). Find Professor Johnson's recent article "White Supremacy from the Bench" in the Lewis & Clark Law Review here (link). Zoom link: https://tinyurl.com/csusb-race-policing Thank you to the College of Social and Behavioral Sciences, and the Diversity, Equity, and Inclusion Committee for…
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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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A conversation with Guesnerth Josué Perea (Executive Director of the Afrolatin@ Forum). This event is made possible in part by the Institute of Museum and Library Services. Thank you also to the College of Social and Behavioral Sciences for sponsoring this event along with Pfau Library. This event is presented in partnership with the CSUSB Anthropo…
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A conversation with Julia Yoo (link), civil rights attorney at Iredale and Yoo (link), and author of this recent LA Times article: "Opinion: California might have thousands of cops who are unfit to wear a badge. This is why" (link). Thank you to the College of Social and Behavioral Sciences for sponsoring this event along with Pfau Library. Series …
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a conversation with Dr. Marisol LeBrón (UC Santa Cruz). Wednesday, October 18 2023 at 1:00 PM PDT Recording is at this link Thank you to the College of Social and Behavioral Sciences and the Committee on Diversity, Equity, and Inclusion for supporting this event along with Pfau Library. This webinar event is open to the public. Marisol LeBrón is an…
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A conversation with Professor Dorothy Roberts (University of Pennsylvania). Thank you to the College of Social and Behavioral Sciences for sponsoring this event along with Pfau Library. Find Professor Roberts's new book, Torn Apart: How the Child Welfare System Destroys Black Families--and How Abolition Can Build a Safer World, here at the publishe…
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A conversation with Congressman Jamaal Bowman (NY, 16th District) (link). Thank you to the College of Social and Behavioral Sciences for sponsoring this event along with Pfau Library. Series organizers: Dr. Mary Texeira (Sociology), Robie Madrigal (Pfau Library), Stan Futch (President, Westside Action Group), Dr. Jeremy Murray (History), Cecelia Sm…
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A conversation with Dr. Ronnie Dunn of Cleveland State University's Department of Urban Studies (link). Thank you to the College of Social and Behavioral Sciences for sponsoring this event along with Pfau Library. Series organizers: Dr. Mary Texeira (Sociology), Robie Madrigal (Pfau Library), Stan Futch (President, Westside Action Group), Dr. Jerem…
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A conversation with Professor Joanna Schwartz (link) for a presentation and discussion of her new book, Shielded: How the Police Became Untouchable (link). Thank you to the College of Social and Behavioral Sciences for sponsoring this event along with Pfau Library. Series organizers: Dr. Mary Texeira (Sociology), Robie Madrigal (Pfau Library), Stan…
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A conversation with Dr. Matthew Guariglia (UC Hastings). Zoom link: https://tinyurl.com/csusb-race-policing Thank you to the College of Social and Behavioral Sciences for sponsoring this event along with Pfau Library. Find Dr. Guarigilia's new book, Police and the Empire City: Race and the Origins of Modern Policing in New York, here at the publish…
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A conversation with Drs. Roger A. Mitchell (Howard University, link) and Jay D. Aronson (Carnegie Mellon University, link). Find Drs. Aronson and Mitchell's new book, Death in Custody: How America Ignores the Truth and What We Can Do About It, here at the publisher's website (link) and here at Amazon (link). Find their podcast "Official Ignorance" …
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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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How to Analyze a 5% Down Single-Family Nomad™ Property in San Bernardino 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 best…
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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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You're a real estate investor looking to acquire properties by saving up and putting 25% down. Should you buy an owner-occupied property first? What if that's more expensive than renting? Should you still do it? What if it means you'll be saving less for acquiring rentals by buying an owner-occupied property first? In this comparison class, we will…
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Deal Alchemy™ - Lease-Options Different real estate investors desire, prefer, and prioritize different returns. For example, many real estate investors have a strong preference for the cash flow part of their return. With Deal Alchemy™, we can manipulate returns and move them from one area to another. Or, we can move them from one or more areas to …
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