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Rolf, a youth in early Christian Iceland, loses first his father, then his property, and finally his freedom to the schemes of a greedy neighbor. Outlawed from Iceland, Rolf travels abroad, meeting with shipwreck, enslavement, Viking berserkers, and many other dangers and adventures. All the while, Rolf searches for a way to prove his father was killed unjustly and win back his own property and freedom. Even more difficult, Rolf must end the cycle of enmity, vengeance, and pride that hangs l ...
 
Are you looking to buy your first home? The Buyers Bible podcast is your complete guide for anyone looking to get into the property market, no matter what stage you’re at in your journey. Your host, buyers agent Amy Lunardi, takes through the A to Z of the property buying process, along with featured finance & property expert guests including Victoria Devine from She’s On the Money, Glen James from My Millennial Money, Emma from The Broke Generation and Owen Raszkiewicz from The Australian F ...
 
The Brief is a legal show, broadcast into prison cells in England and Wales on National Prison Radio. It is a chance for listeners to get their legal questions answered, with subjects ranging from parole, to lost property and appeals. It is hosted by Hilary Ineomo-Marcus, who has served a prison sentence, and solicitor and prison law expert Claire Salama. Funded by The Law Society. For more information about National Prison Radio visit www.prison.radio and to donate visit www.justgiving.com/ ...
 
What is Radio Luftballet? Radio Luftballet—anchored at the Western Norway University of Applied Sciences (HVL)—is a place for imagining new worlds and sharing people’s stories about how we can contribute to the transition to a more sustainable society. Radio Luftballet hopes to open up connections and collaborations between the many sectors—cultural, commercial, social, political—working on transitions within their fields. In this project we wish to keep alive the historic ambitions of utopi ...
 
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Woohoo! You’ve bought a property, congrats! So…. now what? In today’s episode I’m joined again by the fabulous Victoria Devine, who recently went through the home buying journey and settlement process herself. We explore what happens between purchase and settlement, including making sure you get the contract off to the relevant people, paying your …
 
Buying a property at auction can be terrifying and exhilarating. And no matter how many times you watch an auction, nothing can really prepare you for the feeling you get when you actually need to bid yourself. Auctions are super fast paced, dynamic and unpredictable environments where anything can happen. But whilst the outcome is out of your cont…
 
In today’s episode we’re exploring how to submit an offer. Unlike auctions where there’s super strict rules around how the buyer and agent need to behave, there’s actually no rules around private sales and submitting offers, and every real estate agency and agent will have a different process in how they handle offers. We’ll be running through the …
 
Building & pest inspections are a vital step in the due diligence process. I recommend getting one for EVERY type of property - even brand new properties and apartments. Listen to this episode to find out why! Today I'm joined by Craig Mace from Mace Building inspections. We explore: Why you should consider getting a building (and sometimes pest) i…
 
26 Doing your Due Diligence (don’t skip these steps!) We run through the due diligence steps you NEED to take when you’re buying a property. Due diligence (or “DD”) is the investigation of every aspect or feature of a property which could impact its value and suitability. Aside from figuring out how much a property is worth (which we covered in epi…
 
In todays episode we’re exploring how to figure out how much a property is worth. We run through how to do a comparable sales analysis - this this is the best way for us to determine the value of a property. We’ll discuss the difference between what a property is worth on paper, versus what it’s worth to you, and we’ll also be chatting about bank v…
 
Today I’ll be running you through what you should be saying and doing at an inspection, how to have the challenging conversation with an agent regarding your budget, what kind of things you should be asking the agent if you’re interested in a property, and later in the episode I’ve got some real estate agents telling us the types of things which bu…
 
Strap on your favourite bum bag and grab your notepad and measuring tape - this week we’re inspecting properties! Amy tells us her 13 top things to look out for at an inspection, which includes: Natural light Noise from nearby roads, train lines or other noisey things (eg schools!) Making sure room sizes match up with the floorplan measurements, an…
 
Searching for properties sounds easy right. Just jump onto Realestate.com.au or Domain and click search? Wrong! If you want to make sure you’re searching effectively AND getting access to as many off market (and pre market) opportunities as possible, you need to listen to this episode. Amy shares her top tips for using the online search websites mo…
 
In todays episode we’re exploring how to create our property brief. A property brief is kind of like a list, which defines HOW MUCH we’re going to spend, WHERE we’re going to be looking, and the TYPE of property we’re going to buy. It’s kind of like putting together a grocery shopping list, and I’m not sure about you but if I create a list before I…
 
Rentvesting as a strategy involves buying a property, and leasing it out whilst continuing to rent somewhere else, or perhaps continuing to live at home. If you’ve decided that rentvesting is a strategy you might want to pursue, especially after listening to last weeks episode where we discussed investment basics and how property compares to other …
 
Today's episode is part 1 of rentvesting, with special guest Owen Raszkiewicz from The Australian Finance Podcast. Rentvesting is where you rent where you want to live, and buy an investment property somewhere you can afford. This means you can get into the property market without necessarily having to sacrifice your lifestyle. Rent vesting is basi…
 
This episode is for anyone who is even remotely considering buying a property to renovate, or perhaps renovating at some point in the future. And it’s ALSO for anyone who is looking at buying a property which has already recently been renovated. My first guest is Rebeka. She’s a registered builder who develops for profit, and also runs Buildher Col…
 
Buying a house and land package is a really popular option for first home buyers. Most states have grants and incentives for buying new builds. Plus, buyers get the benefit of a brand new shiny home and quite often a much bigger property than they can afford in an established area. Todays episode unpacks house and land properties, and there’s a LOT…
 
When you're buying your first home, if it's in an apartment or unit or townhouse complex, it's going to have what's called a body corporate (in Victoria we call it an owners Corporation) In today's episode, we explore everything you need to know about body corporates, because there’s a lot of misconceptions out there. We discuss WHO the body corpor…
 
There is no doubt if you’re a first home buyer you will have heard the phrase off the plan before. You might have read about people who bought a property off the plan and then three years later when it settled they’d instantly made hundreds of thousands of dollars in equity. Or you might have heard those stories where other people have bought off t…
 
In todays episode we are delving into loan pre-approvals. Now, every episode in this series is important, but if I had to choose which one was the MOST important episode for you to listen to, this is it. If we make a mistake with our finance, the worst case scenario is that we can lose our deposit, and in some situations there can be extra financia…
 
Did you know that technically you can buy a property with no deposit if you use a Guarantor Loan?? Having a Guarantor Loan means that you can buy a home with less than a 20% deposit (technically zero deposit) and not pay lenders mortgage insurance (LMI), but there are risks involved - so you need to make sure you understand all of the pros and cons…
 
The First Home Super Saver Scheme is basically legal money laundering. And if that doesn’t get you excited, I don’t know what will. The Scheme allows first home buyers to save extra money for their first home inside their super, and take it back out again at a lower tax rate. And saving on tax = WIN. Our special guest is Conaill Keniry, a financial…
 
In Australia, first home buyers can get access to quite a bit of help from the Government. In this episode we explore First Home Buyer Grants and Concessions. Grants are when the Government gives you money (yay) to build or buy a new home, whilst concessions are the reduction in stamp duty you need to pay as a first home buyer. And we all want to p…
 
Thanks to Scomo, The First Home Loan Deposit Scheme allows 10,000 first home buyers a year to get into the market sooner. If you get a place in the scheme, it means that you can get into the market with as little as 5% deposit, and not have to pay pesky Lenders Mortgage Insurance (LMI). In this episode Amy is joined by Nathan Taddeo from Credo Fina…
 
Getting a mortgage is a massive commitment, and not something we want to rush into without understanding what we’re signing up for. Its important for you to be an educated consumer when it comes to applying for a loan, so that you know the right kinds of questions to ask and what to be prepared for. Today we’re chatting the BASICS of mortgages, the…
 
If you ever feel like you need a bit of help with the whole adulting situation - this episode is for you! There’s a lot we should know about being a grown up, but nobody tells us how to do it, and especially if you’re buying your first home, ideally you’d need to know how to plan your finances if you want to have a baby, sorting out personal insura…
 
Having a firm grasp on the basics is super-important whether we’re talking about personal finance or property, so even if you are a complete novice in these areas, knowing where to start is half the battle, and you are in the right place! In today’s episode, Amy is joined by property beginner Joey. They cover the important property jargon and key t…
 
Buying a home is most often a life-changing decision, but also one that brings out a lot of different emotions in people, and among those, fear is the most common culprit that's causing the greatest amount of distress and hindrance during that crucial time in your life. In today's show, Amy is joined by Glen James from My Millennial Money to explor…
 
Saving up for a deposit can be a daunting thought when you’ve no clearly defined plan in mind. But all you need to conquer your fears is the right mindset and a right set of tools. In today’s episode, Amy is joined by Bret Mullavey, a money management expert from Experience Wealth. You’ll learn how to create an action plan and actually execute it w…
 
Saving for a deposit for a home can be an overwhelming goal for many first home buyers - how do we even begin to chip away at it? In this episode, meet special guest Emma from The Broke Generation, who is here to help you shift your mindset towards money for the better. Emma is a recovering spendaholic who turned her life around, broke the debt cyc…
 
Why is it so hard to buy your first home these days? And why are property prices so fricken’ expensive compared to our parents’ generation? Discover the answer to this burning question in the very first episode of The Buyers Bible podcast! Your hosts Amy Lunardi and Alyssa also share what you can expect throughout the podcast series, as they tackle…
 
Victoria Devine from Zella Wealth and founder of She’s on the Money joins Amy to explore the important steps to take before you buy a home, and answers the crucial question: “When should you actually buy a property?” You will also discover the important difference of timing the market vs. time in the market. Do you have a burning property question …
 
Don’t embark on your property journey alone! Having the right property team and advice is critical to ensuring you get it right the first time. In this episode, Amy and Alyssa explore where first home buyers should be getting their advice from, as well as the risks of bad or incorrect advice. You’ll learn how to put your very own property A-team to…
 
The Incentives and Earned Privileges system (IEP) affects everyone in prison, and for this final episode of The Brief, solicitor and prison law expert Claire Salama talks us through how it works. What positive behaviour do you need to display to progress through the system?Prison Radio Association による
 
The percentage of people in prison aged over 50 has increased by 150% since 2002, making this the fastest growing demographic group in the prison estate. On this week’s The Brief, solicitor and prison law expert Claire Salama explains what prison rules apply to older people in prison.Prison Radio Association による
 
If you don’t get bail, you are remanded in prison before court. But how long can you be kept on remand before being given a second court? That’s this week’s question from Daniel. And another listener asks how to appeal if you are denied Home Detention Curfew.Prison Radio Association による
 
What happens if you are charged with a criminal offence whilst in prison? Do you have to get an adjudication too? That’s Paul’s question on this episode. And Jason in Exeter has got in touch to say that he thinks there is a law preventing rationing of milk and bread in prison. Is he right and are people in prison getting enough?…
 
Lisa is in a women’s prison and says they’ve not had hot water on her wing for 4 weeks. Solicitor and prison law expert Claire Salama tells her what she can do. And another listener asks whether the prison service has a duty to put him in a prison near his family. Guest presenter Sol sits in.Prison Radio Association による
 
In October 2018, Prisons Minister Rory Stewart announced that officers in adult-male prisons would be equipped with PAVA: a synthetic pepper spray, which temporarily incapacitates those it is used on. Now government has released a report on PAVA’s pilot in 4 prisons last year. We go over the key findings and Solicitor and prison law expert Claire S…
 
We respond to a message from Paul in HMP Durham. He has been in and out of prison over 30 times and wants to know what support he should be getting to help with his mental health problems. Solicitor and prison law expert Claire Salama is in the studio to answer this and another question about recall.…
 
In October 2018, Prisons Minister Rory Stewart announced that officers in adult male prisons would be equipped with PAVA: a synthetic pepper spray, which temporarily incapacitates those it is used on. It was introduced following a trial to help reduce serious harm to prisoners and staff. John in HMP Holme House has asked how you can appeal if you t…
 
We’ve had another letter about Home Detention curfew– the scheme that allows some people to be released before the midpoint of their sentence, while wearing an electronic tag. Alan in HMP Lindholme is serving two concurrent sentences and wants to know what that means for his HDC date.Prison Radio Association による
 
Visits from friends and family are precious inside. The prison can make you talk through a glass window – like in American films, but without the phone. They can also stop someone from visiting altogether. Solicitor and prison law expert Claire Salama explains closed visits and banned visits and tells us how you can appeal them.…
 
For many people in prison, like those on recall or indeterminate sentences, getting out means going through the parole process. Justin at HMP Bullingdon has written in asking what you can do if you do not agree with the contents of your parole dossier. Solicitor and prison law expert Claire Salama is here to answer Justin's question.…
 
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