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  <title>NICE: Home &amp; Finance</title>

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  <link>https://mynice.org/courses/</link>
  <language>en-us</language>
  <copyright>© 2026 NICE: Home &amp; Finance</copyright>
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  <podcast:funding url="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support this Podcast</podcast:funding>
  <podcast:guid>a2ba986f-7bff-5132-b0cd-09479fc4f0ae</podcast:guid>
  <itunes:author>Lei Bao</itunes:author>
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  <description><![CDATA[###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.### This podcast prepares the audience to understand the risks and rewards associated with investing in and financing both residential and commercial real estate. Concepts and techniques included in the episodes are used in many careers related to real estate. The material is also relevant to individuals who want to better understand real estate for their own personal investment and financing decisions. The author will help the audience learn how to evaluate the risk and return associated with the various ways of investing and lending. Upcoming audiences who are interested in this field can use the knowledge and information as a guide to performing the right kind of analysis to make informed real estate finance and investment decisions.]]></description>
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  <itunes:keywords>real estate, finance, investing, home, residential, commercial</itunes:keywords>
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    <itunes:name>Lei Bao</itunes:name>
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     <title>NICE: Home &amp; Finance</title>
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    <itunes:title>Life in Real Estate - Chitchat with Real Estate Practitioners - Broker Pete Ofeciar</itunes:title>
    <title>Life in Real Estate - Chitchat with Real Estate Practitioners - Broker Pete Ofeciar</title>
    <itunes:summary><![CDATA[Support the show ]]></itunes:summary>
    <description><![CDATA[<p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></description>
    <content:encoded><![CDATA[<p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></content:encoded>
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    <itunes:author>Lei Bao</itunes:author>
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    <pubDate>Sat, 11 Jun 2022 11:00:00 +1000</pubDate>
    <itunes:duration>1257</itunes:duration>
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    <itunes:season>2</itunes:season>
    <itunes:episode>2</itunes:episode>
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    <itunes:title>Life in Real Estate - Chitchat with Real Estate Practitioners - Realtor Shani Washington</itunes:title>
    <title>Life in Real Estate - Chitchat with Real Estate Practitioners - Realtor Shani Washington</title>
    <itunes:summary><![CDATA[N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.  Series: Life in Real Estate - Chitchat with Real Estate Practitioners   No matter whether you are a real estate agent, appraiser, mortgage loan officer, home inspection officer, etc., as long as you are in the real estate field and want our community to hear your voice. This is the series for you. Contact me to schedule a casual interview. I am sure that people in Guam would love to hear from you.   Supp...]]></itunes:summary>
    <description><![CDATA[<p>N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.<br/><br/>Series: Life in Real Estate - Chitchat with Real Estate Practitioners <br/><br/>No matter whether you are a real estate agent, appraiser, mortgage loan officer, home inspection officer, etc., as long as you are in the real estate field and want our community to hear your voice. This is the series for you. Contact me to schedule a casual interview. I am sure that people in Guam would love to hear from you.  </p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></description>
    <content:encoded><![CDATA[<p>N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.<br/><br/>Series: Life in Real Estate - Chitchat with Real Estate Practitioners <br/><br/>No matter whether you are a real estate agent, appraiser, mortgage loan officer, home inspection officer, etc., as long as you are in the real estate field and want our community to hear your voice. This is the series for you. Contact me to schedule a casual interview. I am sure that people in Guam would love to hear from you.  </p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></content:encoded>
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    <itunes:author>Lei Bao</itunes:author>
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    <pubDate>Sat, 08 Jan 2022 14:00:00 +1000</pubDate>
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    <itunes:title>Interview with Real Estate Brokers on Guam - Dream Home Adventures</itunes:title>
    <title>Interview with Real Estate Brokers on Guam - Dream Home Adventures</title>
    <itunes:summary><![CDATA[###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###   Many students ask me how to interview with a real estate brokerage and which brokerage they should go to. As an independent education provider, it is fair and reasonable for us to shift the responsibility to the principal broker or managing broker to answer these questions. We are planning this series to provide pre-license students with more information about their careers.    Today we are i...]]></itunes:summary>
    <description><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###<br/> <br/>Many students ask me how to interview with a real estate brokerage and which brokerage they should go to. As an independent education provider, it is fair and reasonable for us to shift the responsibility to the principal broker or managing broker to answer these questions. We are planning this series to provide pre-license students with more information about their careers. <br/> <br/>Today we are interviewing with the Dream Home Adventures.  </p><p>Dream Home Adventures (DHA) is a real estate brokerage in Guam whose mission is to assist clients in reaching their goals by being proactive, creative, and efficient. DHA strives to make the real estate transaction a worthwhile adventure for all parties. Always looking for ways to solve problems and create outcomes, we welcome both new and experienced agents to join our team and make an impact in the real estate industry. <br/><br/>To get to know more about Dream Home adventures, contact Angeli-Ann Tenido, DHA’s Principal Broker at 671-787-8473 or angeliann@dreamhomeadventures.com<br/><br/>www.dreamhomeadventures.com</p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></description>
    <content:encoded><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###<br/> <br/>Many students ask me how to interview with a real estate brokerage and which brokerage they should go to. As an independent education provider, it is fair and reasonable for us to shift the responsibility to the principal broker or managing broker to answer these questions. We are planning this series to provide pre-license students with more information about their careers. <br/> <br/>Today we are interviewing with the Dream Home Adventures.  </p><p>Dream Home Adventures (DHA) is a real estate brokerage in Guam whose mission is to assist clients in reaching their goals by being proactive, creative, and efficient. DHA strives to make the real estate transaction a worthwhile adventure for all parties. Always looking for ways to solve problems and create outcomes, we welcome both new and experienced agents to join our team and make an impact in the real estate industry. <br/><br/>To get to know more about Dream Home adventures, contact Angeli-Ann Tenido, DHA’s Principal Broker at 671-787-8473 or angeliann@dreamhomeadventures.com<br/><br/>www.dreamhomeadventures.com</p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></content:encoded>
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    <itunes:author>Lei Bao</itunes:author>
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    <pubDate>Mon, 27 Dec 2021 10:00:00 +1000</pubDate>
    <itunes:duration>873</itunes:duration>
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    <itunes:season>2</itunes:season>
    <itunes:episode>4</itunes:episode>
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    <itunes:title>Interview with Real Estate Brokers on Guam - Empire Realty</itunes:title>
    <title>Interview with Real Estate Brokers on Guam - Empire Realty</title>
    <itunes:summary><![CDATA[###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###   Many students ask me how to interview with a real estate brokerage and which brokerage they should go to. As an independent education provider, it is fair and reasonable for us to shift the responsibility to the principal broker or managing broker to answer these questions. We are planning this series to provide pre-license students with more information about their careers.    Today we are i...]]></itunes:summary>
    <description><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###<br/> <br/>Many students ask me how to interview with a real estate brokerage and which brokerage they should go to. As an independent education provider, it is fair and reasonable for us to shift the responsibility to the principal broker or managing broker to answer these questions. We are planning this series to provide pre-license students with more information about their careers. <br/> <br/>Today we are interviewing with the Empire Realty.  </p><p>Services</p><p>Empire Realty offers a complete portfolio of Real Estate Services, including sales and leasing of residential and commercial property, investment property, vacant land, property management, and PCS (relocation services). We are facilitators connecting people with places to call home.</p><p>Purpose</p><p>Our purpose is to empower people by making real estate transactions simple, efficient, and stress free. Whether you’re just beginning your property journey or have had years of experience, Empire Realty is the number one place for people to come together to explore and share their passion for Guam Real Estate.</p><p>Team</p><p>We are a dedicated team of truly passionate, professionals who understand our clients’ needs and wants. When making property decisions that impact your family now and, in the future, you need a partner that you can trust. We understand that your home is an important part of your life, it houses your family, it’s where memories are made and it provides for your future.</p><p>Shivrani “Rani” Daryanani<br/>671-686-8348<br/>Rani@empirerealtyguam.com<br/>www.empirerealtyguam.com</p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></description>
    <content:encoded><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###<br/> <br/>Many students ask me how to interview with a real estate brokerage and which brokerage they should go to. As an independent education provider, it is fair and reasonable for us to shift the responsibility to the principal broker or managing broker to answer these questions. We are planning this series to provide pre-license students with more information about their careers. <br/> <br/>Today we are interviewing with the Empire Realty.  </p><p>Services</p><p>Empire Realty offers a complete portfolio of Real Estate Services, including sales and leasing of residential and commercial property, investment property, vacant land, property management, and PCS (relocation services). We are facilitators connecting people with places to call home.</p><p>Purpose</p><p>Our purpose is to empower people by making real estate transactions simple, efficient, and stress free. Whether you’re just beginning your property journey or have had years of experience, Empire Realty is the number one place for people to come together to explore and share their passion for Guam Real Estate.</p><p>Team</p><p>We are a dedicated team of truly passionate, professionals who understand our clients’ needs and wants. When making property decisions that impact your family now and, in the future, you need a partner that you can trust. We understand that your home is an important part of your life, it houses your family, it’s where memories are made and it provides for your future.</p><p>Shivrani “Rani” Daryanani<br/>671-686-8348<br/>Rani@empirerealtyguam.com<br/>www.empirerealtyguam.com</p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/1875835/episodes/9675124-interview-with-real-estate-brokers-on-guam-empire-realty.mp3" length="18213903" type="audio/mpeg" />
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    <itunes:author>Lei Bao</itunes:author>
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    <pubDate>Tue, 07 Dec 2021 10:00:00 +1000</pubDate>
    <itunes:duration>1514</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>2</itunes:season>
    <itunes:episode>3</itunes:episode>
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    <itunes:title>Interview with Real Estate Brokers on Guam - Guam Estates Professionals</itunes:title>
    <title>Interview with Real Estate Brokers on Guam - Guam Estates Professionals</title>
    <itunes:summary><![CDATA[###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###  Many students ask me how to interview with a real estate brokerage and which brokerage they should go to. As an independent education provider, it is fair and reasonable for us to shift the responsibility to the principal broker or managing broker to answer these questions. We are planning this series to provide pre-license students with more information about their careers.   Today we are interviewing ...]]></itunes:summary>
    <description><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###<br/><br/>Many students ask me how to interview with a real estate brokerage and which brokerage they should go to. As an independent education provider, it is fair and reasonable for us to shift the responsibility to the principal broker or managing broker to answer these questions. We are planning this series to provide pre-license students with more information about their careers. <br/><br/>Today we are interviewing with the Guam Estates Professionals.  <br/><br/>Cristina Legaspi<br/>Principal Broker<br/>Guam Estates Professionals<br/>(671) 489-6017<br/>mcl@guamestates.net<br/>website: guamestates.com</p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></description>
    <content:encoded><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###<br/><br/>Many students ask me how to interview with a real estate brokerage and which brokerage they should go to. As an independent education provider, it is fair and reasonable for us to shift the responsibility to the principal broker or managing broker to answer these questions. We are planning this series to provide pre-license students with more information about their careers. <br/><br/>Today we are interviewing with the Guam Estates Professionals.  <br/><br/>Cristina Legaspi<br/>Principal Broker<br/>Guam Estates Professionals<br/>(671) 489-6017<br/>mcl@guamestates.net<br/>website: guamestates.com</p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/1875835/episodes/9619633-interview-with-real-estate-brokers-on-guam-guam-estates-professionals.mp3" length="12471421" type="audio/mpeg" />
    <itunes:author>Lei Bao</itunes:author>
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    <pubDate>Sat, 27 Nov 2021 16:00:00 +1000</pubDate>
    <itunes:duration>1037</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>2</itunes:season>
    <itunes:episode>2</itunes:episode>
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    <itunes:title>Interview with Real Estate Brokers on Guam - Living On Guam Realty</itunes:title>
    <title>Interview with Real Estate Brokers on Guam - Living On Guam Realty</title>
    <itunes:summary><![CDATA[###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###  Many students ask me how to interview with a real estate brokerage and which brokerage they should go to.  As an independent education provider, it is fair and reasonable for us to shift the responsibility to the principal broker or managing broker to answer these questions. We are planning this series to provide pre-license students with more information about their careers.    Today we are interv...]]></itunes:summary>
    <description><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###<br/><br/>Many students ask me how to interview with a real estate brokerage and which brokerage they should go to.  As an independent education provider, it is fair and reasonable for us to shift the responsibility to the principal broker or managing broker to answer these questions. We are planning this series to provide pre-license students with more information about their careers.  <br/><br/>Today we are interviewing with the Living On Guam Realty.  <br/><br/>Living On Guam Realty has been in the Guam real estate space for only 3 years but in that short period, they have established themselves as the GO-TO real estate office for folks relocating to Guam, particularly the military members and families. They rank #1 in their area of specialty even though they only have less than a handful of agents on their TEAM compared to other large brokerages.<br/><br/>According to Leah, Associate Broker and Vice President, this is because they are intentional about recruiting and finding the right talent and personality that would fit their office culture.  Leah says the relationship needs to be a win-win, where the agent and the office both benefit and grow from it.  Leah, who heads recruitment, says she is clear from the start what the expectations are (a hard lesson learned from failed past hires) and she tells agent-candidates about their company vision, core values, and procedures.<br/><br/>Living On Guam Realty management is open to feedback and constructive criticism so that their service continues to be better for the benefit of their clients and Team (as a whole). Management is a believer in continued self-improvement to survive and thrive.<br/><br/>Leah invites agent candidates to research online about Living On Guam Realty, as they are present in most platforms, to see if the office would be a good fit for the candidates and the candidates a good fit for the office.  <br/><br/>If you’d like to interview with Living On Guam, you are encouraged to email Leah at leah@livingonguam.com.<br/><br/></p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></description>
    <content:encoded><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###<br/><br/>Many students ask me how to interview with a real estate brokerage and which brokerage they should go to.  As an independent education provider, it is fair and reasonable for us to shift the responsibility to the principal broker or managing broker to answer these questions. We are planning this series to provide pre-license students with more information about their careers.  <br/><br/>Today we are interviewing with the Living On Guam Realty.  <br/><br/>Living On Guam Realty has been in the Guam real estate space for only 3 years but in that short period, they have established themselves as the GO-TO real estate office for folks relocating to Guam, particularly the military members and families. They rank #1 in their area of specialty even though they only have less than a handful of agents on their TEAM compared to other large brokerages.<br/><br/>According to Leah, Associate Broker and Vice President, this is because they are intentional about recruiting and finding the right talent and personality that would fit their office culture.  Leah says the relationship needs to be a win-win, where the agent and the office both benefit and grow from it.  Leah, who heads recruitment, says she is clear from the start what the expectations are (a hard lesson learned from failed past hires) and she tells agent-candidates about their company vision, core values, and procedures.<br/><br/>Living On Guam Realty management is open to feedback and constructive criticism so that their service continues to be better for the benefit of their clients and Team (as a whole). Management is a believer in continued self-improvement to survive and thrive.<br/><br/>Leah invites agent candidates to research online about Living On Guam Realty, as they are present in most platforms, to see if the office would be a good fit for the candidates and the candidates a good fit for the office.  <br/><br/>If you’d like to interview with Living On Guam, you are encouraged to email Leah at leah@livingonguam.com.<br/><br/></p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/1875835/episodes/9530770-interview-with-real-estate-brokers-on-guam-living-on-guam-realty.mp3" length="17928286" type="audio/mpeg" />
    <itunes:author>Lei Bao</itunes:author>
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    <pubDate>Thu, 11 Nov 2021 22:00:00 +1000</pubDate>
    <itunes:duration>1492</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>2</itunes:season>
    <itunes:episode>1</itunes:episode>
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    <itunes:title>Mortgage Loan - Point, Discount Point, Buy Down, &amp; Negative Point</itunes:title>
    <title>Mortgage Loan - Point, Discount Point, Buy Down, &amp; Negative Point</title>
    <itunes:summary><![CDATA[###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###  Do you want to get some free money back from the lender after you get the mortgage loan? If yes, this episode is for you. Support the show ]]></itunes:summary>
    <description><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###<br/><br/>Do you want to get some free money back from the lender after you get the mortgage loan? If yes, this episode is for you.</p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></description>
    <content:encoded><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###<br/><br/>Do you want to get some free money back from the lender after you get the mortgage loan? If yes, this episode is for you.</p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/1875835/episodes/9522357-mortgage-loan-point-discount-point-buy-down-negative-point.mp3" length="5462861" type="audio/mpeg" />
    <itunes:author>Lei Bao</itunes:author>
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    <pubDate>Wed, 10 Nov 2021 11:00:00 +1000</pubDate>
    <itunes:duration>453</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>6</itunes:episode>
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    <itunes:title>Real Estate Title: Trust, Will, Deed of Gift, Joint Tenancy, and Life Estate</itunes:title>
    <title>Real Estate Title: Trust, Will, Deed of Gift, Joint Tenancy, and Life Estate</title>
    <itunes:summary><![CDATA[###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###  What is the best legal device to pass down the real estate ownership to heirs or beneficiaries?  This episode is going to explain 5 different types and their advantages and disadvantages.   Support the show ]]></itunes:summary>
    <description><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###<br/><br/>What is the best legal device to pass down the real estate ownership to heirs or beneficiaries?  This episode is going to explain 5 different types and their advantages and disadvantages.  </p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></description>
    <content:encoded><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###<br/><br/>What is the best legal device to pass down the real estate ownership to heirs or beneficiaries?  This episode is going to explain 5 different types and their advantages and disadvantages.  </p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/1875835/episodes/9480602-real-estate-title-trust-will-deed-of-gift-joint-tenancy-and-life-estate.mp3" length="3733159" type="audio/mpeg" />
    <itunes:author>Lei Bao</itunes:author>
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    <pubDate>Wed, 03 Nov 2021 12:00:00 +1000</pubDate>
    <itunes:duration>309</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>5</itunes:episode>
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  <item>
    <itunes:title>Tenancy in Common and Joint Tenancy</itunes:title>
    <title>Tenancy in Common and Joint Tenancy</title>
    <itunes:summary><![CDATA[###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###  This episode explains another two types of co-ownerships - Tenancy in Common and Joint Tenancy.   Support the show ]]></itunes:summary>
    <description><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###<br/><br/>This episode explains another two types of co-ownerships - Tenancy in Common and Joint Tenancy.  </p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></description>
    <content:encoded><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###<br/><br/>This episode explains another two types of co-ownerships - Tenancy in Common and Joint Tenancy.  </p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/1875835/episodes/9459409-tenancy-in-common-and-joint-tenancy.mp3" length="2663206" type="audio/mpeg" />
    <itunes:author>Lei Bao</itunes:author>
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    <pubDate>Sat, 30 Oct 2021 18:00:00 +1000</pubDate>
    <itunes:duration>220</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>4</itunes:episode>
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    <itunes:explicit>false</itunes:explicit>
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  <item>
    <itunes:title>Real Estate Title - Community Property</itunes:title>
    <title>Real Estate Title - Community Property</title>
    <itunes:summary><![CDATA[###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###  Setting up real estate titles confuses a lot of homebuyers.  In this episode, we are talking about one of the co-ownerships - Community Property.  If you and your spouse are planning to buy a house, you cannot miss this episode.  Support the show ]]></itunes:summary>
    <description><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###<br/><br/>Setting up real estate titles confuses a lot of homebuyers.  In this episode, we are talking about one of the co-ownerships - Community Property.  If you and your spouse are planning to buy a house, you cannot miss this episode. </p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></description>
    <content:encoded><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###<br/><br/>Setting up real estate titles confuses a lot of homebuyers.  In this episode, we are talking about one of the co-ownerships - Community Property.  If you and your spouse are planning to buy a house, you cannot miss this episode. </p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/1875835/episodes/9435346-real-estate-title-community-property.mp3" length="4232439" type="audio/mpeg" />
    <link>https://mynice.org/courses/</link>
    <itunes:author>Lei Bao</itunes:author>
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    <pubDate>Tue, 26 Oct 2021 19:00:00 +1000</pubDate>
    <itunes:duration>350</itunes:duration>
    <itunes:keywords>real estate, title, ownership, co-ownership, community property</itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>3</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
    <itunes:explicit>false</itunes:explicit>
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  <item>
    <itunes:title>Questions to Ask When Interviewing a Real Estate Brokerage</itunes:title>
    <title>Questions to Ask When Interviewing a Real Estate Brokerage</title>
    <itunes:summary><![CDATA[###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.### The first step to your successful career in real estate is choosing the right real estate broker to work for and knowing what questions to ask.  There are wide differences among real estate brokerages, both in what they will offer you as well as the commission splits, expectations, and culture. Many new real estate agents base their decision on the best commission split and that usually isn’t the best ro...]]></itunes:summary>
    <description><![CDATA[<p><b>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###</b><br/>The first step to your successful career in real estate is choosing the right real estate broker to work for and knowing what questions to ask. <br/>There are wide differences among real estate brokerages, both in what they will offer you as well as the commission splits, expectations, and culture.<br/>Many new real estate agents base their decision on the best commission split and that usually isn’t the best route, especially when you are new to the industry.<br/>We highly recommend that you meet with at least three different brokerages — and do your research on each one beforehand. Once you find the three (or four) that look the most appealing to you, schedule time to meet and ask the following questions.</p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></description>
    <content:encoded><![CDATA[<p><b>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###</b><br/>The first step to your successful career in real estate is choosing the right real estate broker to work for and knowing what questions to ask. <br/>There are wide differences among real estate brokerages, both in what they will offer you as well as the commission splits, expectations, and culture.<br/>Many new real estate agents base their decision on the best commission split and that usually isn’t the best route, especially when you are new to the industry.<br/>We highly recommend that you meet with at least three different brokerages — and do your research on each one beforehand. Once you find the three (or four) that look the most appealing to you, schedule time to meet and ask the following questions.</p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/1875835/episodes/9421206-questions-to-ask-when-interviewing-a-real-estate-brokerage.mp3" length="5962204" type="audio/mpeg" />
    <itunes:author>Lei Bao</itunes:author>
    <guid isPermaLink="false">Buzzsprout-9421206</guid>
    <pubDate>Sun, 24 Oct 2021 12:00:00 +1000</pubDate>
    <itunes:duration>494</itunes:duration>
    <itunes:keywords>real estate, new agents, brokerage, interview</itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>2</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
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    <itunes:title>Guam Real Estate Pre-License Exam State Quiz</itunes:title>
    <title>Guam Real Estate Pre-License Exam State Quiz</title>
    <itunes:summary><![CDATA[###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.### Support the show ]]></itunes:summary>
    <description><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###</p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></description>
    <content:encoded><![CDATA[<p>###N.I.C.E. Guam Real Estate Pre-license Course. Call (671) 687-2012 to register.###</p><p><a rel="payment" href="https://www.paypal.com/donate?business=EAECBUYZKBUD6&amp;no_recurring=1&amp;currency_code=USD">Support the show</a></p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/1875835/episodes/9418626-guam-real-estate-pre-license-exam-state-quiz.mp3" length="8399416" type="audio/mpeg" />
    <itunes:author>Lei</itunes:author>
    <guid isPermaLink="false">Buzzsprout-9418626</guid>
    <pubDate>Sat, 23 Oct 2021 17:00:00 +1000</pubDate>
    <itunes:duration>697</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>1</itunes:episode>
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