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	<title>YourDesMoinesHome.com</title>
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	<link>http://www.yourdesmoineshome.com</link>
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		<title>WW: How a twentysomething homeowner in Iowa got rich slowly&#8230;⏱️💰</title>
		<link>http://www.yourdesmoineshome.com/ww-how-a-twentysomething-homeowner-in-iowa-got-rich-slowly/</link>
					<comments>http://www.yourdesmoineshome.com/ww-how-a-twentysomething-homeowner-in-iowa-got-rich-slowly/#respond</comments>
		
		<dc:creator><![CDATA[Tyler Osby]]></dc:creator>
		<pubDate>Sun, 30 Mar 2025 22:21:19 +0000</pubDate>
				<category><![CDATA[Weekly Wisdom]]></category>
		<guid isPermaLink="false">http://www.yourdesmoineshome.com/?p=7222</guid>

					<description><![CDATA[I&#8217;m a little embarrassed to admit this&#8230; Sometimes I forget the impact home ownership has on a client&#8217;s long-term financial situation. This past week I found myself in a conversation with a client we helped a few years ago purchase their home. They&#8217;re now looking at upgrading as their family is growing. In that conversation [&#8230;]]]></description>
										<content:encoded><![CDATA[<p>I&#8217;m a little embarrassed to admit this&#8230;</p>
<p>Sometimes I forget the impact home ownership has on a client&#8217;s long-term financial situation.</p>
<p>This past week I found myself in a conversation with a client we helped a few years ago purchase their home. They&#8217;re now looking at upgrading as their family is growing.</p>
<p>In that conversation we discovered how much money their decision to buy a home a few years ago had really made them!</p>
<p>If you have ever wondered the impact (or, maybe you know someone who would?) of becoming a homeowner, you&#8217;ll appreciate this week&#8217;s Weekly Wisdom!</p>
<p><strong>This Week&#8217;s Video Tip: How a twentysomething got rich slowly, with almost no effort.</strong><br />
If you like simple strategies that make lots of money, I think you&#8217;ll like this week&#8217;s Weekly Wisdom! Watch it here.</p>
<div class="gmail_default">
<div class="videoWrapper" data-videoid="1250434E-BF10-44C7-89F8-154059CCA9A9"><iframe class="bbVideoIframe" src="https://bbemaildelivery.com/bbext/?p=vidEmbed&amp;id=1250434E-BF10-44C7-89F8-154059CCA9A9&amp;ar=0&amp;videoPlayerId=83371c80-4917-a622-bbe5-5fdb672e1487" width="400" height="225" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen" data-video-player-id="83371c80-4917-a622-bbe5-5fdb672e1487"></iframe></div>
<p><strong>What I&#8217;m watching</strong> <strong>(for fun)</strong>:<br />
John Mulaney (comedian) has a new weekly show he&#8217;s doing on Netflix called &#8220;Everybody&#8217;s Live&#8221;.  I&#8217;ve really been enjoying it because it&#8217;s imperfect and extremely entertaining because of it.  It also feels a bit nostalgic. Sort of like an old 80&#8217;s/90&#8217;s call-in show.  Highly recommend checking it out if you&#8217;re a Netflix subscriber!</p>
<p><strong>What I&#8217;m listening to (for biz):</strong><br />
Ever heard of Loom? (The screen recording software?)  The creator/founder apparently sold it for a billion dollars (yea&#8230;) and he recently did a podcast where he shared his experience around his exit.  It&#8217;s a fascinating listen &#8212; and a combination of business-advice, life-advice and general entertainment!  If you like people talking about money and business (even if it&#8217;s a liiiittttttle more than you have witnessed yourself&#8230;), I think you&#8217;ll love this podcast episode! (<a href="https://open.spotify.com/episode/6ZOEk7RztE6ZKuobi9xe2P?si=656d8afb5e4c4b8c" target="_blank" data-cke-saved-href="https://open.spotify.com/episode/6ZOEk7RztE6ZKuobi9xe2P?si=656d8afb5e4c4b8c">Spotify</a>)</p>
<p><strong>Success Story:</strong><br />
Some financing situations are more complicated than others.  We like to say that we&#8217;re aggressively patient in figuring things out so there aren&#8217;t any surprises in the financing process!  Below is a review from a Realtor who recently introduced us to a client that was having a tough time with another lender &#8212; we were able to help get her across the finish line earlier this week!</p>
<p><img fetchpriority="high" decoding="async" src="https://staticapp.icpsc.com/icp/resources/mogile/308188/796d6db425da387f5f2aa826248e1cef.png" alt="" width="476" height="174" data-cke-saved-src="https://staticapp.icpsc.com/icp/resources/mogile/308188/796d6db425da387f5f2aa826248e1cef.png" /></p>
<p><strong>Know a first time homebuyer?</strong><br />
Our next first time homebuyer workshop is April 17th at 6pm in West Des Moines! Know someone who should be in the room?  Reply back and I can get them added!</p>
</div>
<p><strong>P.S. Do you know someone who could use our help on financing? </strong>My team would love to help!! You can just text/call me at 515-257-6729!</p>
<p>Have a fantastic week! <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f642.png" alt="🙂" class="wp-smiley" style="height: 1em; max-height: 1em;" /></p>
]]></content:encoded>
					
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		<item>
		<title>Finding things to do with your kids!</title>
		<link>http://www.yourdesmoineshome.com/finding-things-to-do-with-your-kids/</link>
					<comments>http://www.yourdesmoineshome.com/finding-things-to-do-with-your-kids/#respond</comments>
		
		<dc:creator><![CDATA[Tyler Osby]]></dc:creator>
		<pubDate>Fri, 21 Mar 2025 14:57:14 +0000</pubDate>
				<category><![CDATA[Weekly Wisdom]]></category>
		<guid isPermaLink="false">http://www.yourdesmoineshome.com/?p=7219</guid>

					<description><![CDATA[Parenting is hard. This week, I thought I&#8217;d share a little &#8220;unlock&#8221; on how I sometimes solve for the &#8220;what should we do?&#8221; question that comes up with my kiddos! I have 3 little girls.  They like to do things. And I don&#8217;t often know what to do&#8230;. In this week&#8217;s Weekly Wisdom, I&#8217;m going [&#8230;]]]></description>
										<content:encoded><![CDATA[<p>Parenting is hard.</p>
<p>This week, I thought I&#8217;d share a little &#8220;unlock&#8221; on how I sometimes solve for the &#8220;what should we do?&#8221; question that comes up with my kiddos!</p>
<p>I have 3 little girls.  They like to do things. And I don&#8217;t often know what to do&#8230;.</p>
<p>In this week&#8217;s Weekly Wisdom, I&#8217;m going to share the resource on what I use!</p>
<div class="gmail_default">
<p><strong>This Week&#8217;s Video Tip: My &#8220;How To&#8221; for Getting Upgrades at Hotels!</strong><br />
If you like nice things but prefer not to pay for them, I think you&#8217;ll like this week&#8217;s Weekly Wisdom! <a href="https://www.yourdesmoineshome.com/7215-2/" data-cke-saved-href="https://www.yourdesmoineshome.com/7215-2/">Watch it here.</a></p>
<div class="videoWrapper" data-videoid="100382C2-3B3E-442C-95D7-1B013E6C1DE6"> <iframe class="bbVideoIframe" data-video-player-id="7285ebae-e507-4b66-156e-825fffb32c38" width="400" height="225" src="https://bbemaildelivery.com/bbext/?p=vidEmbed&#038;id=100382C2-3B3E-442C-95D7-1B013E6C1DE6&#038;ar=0&#038;videoPlayerId=7285ebae-e507-4b66-156e-825fffb32c38" frameborder="0" scrolling="no" mozallowfullscreen webkitallowfullscreen allowfullscreen></iframe></div>
<p><strong>What I&#8217;m reading</strong> <strong>(for fun)</strong>:<br />
Do you read about economics for fun?  Well, I do&#8230; Haha!  I recently had a friend share a really interesting article on how Costco has managed the cost of rotisserie chicken!  It&#8217;s interesting to say the least! (<a href="https://getpocket.com/explore/item/the-economics-of-costco-rotisserie-chicken?utm_source=firefox-newtab-en-us" target="_blank" data-cke-saved-href="https://getpocket.com/explore/item/the-economics-of-costco-rotisserie-chicken?utm_source=firefox-newtab-en-us">Link to article</a>.)</p>
<p><strong>What I&#8217;m listening to (for biz):</strong><br />
A small friend group (of fellow mortgage nerds) passed around a recent video interview with a performance coach, Ben Newman.  I had some really great takeaways from this 60 minute interview &#8212;  I think you&#8217;ll really dig it too! (<a href="https://www.youtube.com/watch?v=hL1yNL_IBh8" target="_blank" data-cke-saved-href="https://www.youtube.com/watch?v=hL1yNL_IBh8">YouTube</a>)</p>
<p><strong>Success Story:</strong><br />
We love having the opportunity to be the &#8220;who&#8221; for all things real estate!!  Below is a great review from someone who were able to help build a great homebuying TEAM for her first home purchase!!</p>
<p><img loading="lazy" decoding="async" src="https://staticapp.icpsc.com/icp/resources/mogile/308188/7860d368f619abd4c365ad40e4dbf3bf.jpeg" alt="" width="452" height="280" data-cke-saved-src="https://staticapp.icpsc.com/icp/resources/mogile/308188/7860d368f619abd4c365ad40e4dbf3bf.jpeg" /></p>
<p><strong>Know a first time homebuyer?</strong><br />
Our next first time homebuyer workshop is April 17th at 6pm in West Des Moines! Know someone who should be in the room?  Reply back and I can get them added!</p>
</div>
]]></content:encoded>
					
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		<item>
		<title>WW: Getting upgrades when you travel&#8230;</title>
		<link>http://www.yourdesmoineshome.com/7215-2/</link>
					<comments>http://www.yourdesmoineshome.com/7215-2/#respond</comments>
		
		<dc:creator><![CDATA[Tyler Osby]]></dc:creator>
		<pubDate>Sun, 16 Mar 2025 22:55:12 +0000</pubDate>
				<category><![CDATA[Weekly Wisdom]]></category>
		<guid isPermaLink="false">http://www.yourdesmoineshome.com/?p=7215</guid>

					<description><![CDATA[This week I had a little business travel to Dallas and was reminded that I have a bit of a &#8220;system&#8221; for getting upgrades at hotels! If you like nice things and don&#8217;t love to pay for them, I think you might appreciate this week&#8217;s tip! In this week&#8217;s Weekly Wisdom, I&#8217;m going to share [&#8230;]]]></description>
										<content:encoded><![CDATA[<p>This week I had a little business travel to Dallas and was reminded that I have a bit of a &#8220;system&#8221; for getting upgrades at hotels!</p>
<p>If you like nice things and don&#8217;t love to pay for them, I think you might appreciate this week&#8217;s tip!</p>
<p>In this week&#8217;s Weekly Wisdom, I&#8217;m going to share what&#8217;s worked for <em>me</em> in getting hotel upgrades!</p>
<div class="gmail_default">
<p><strong>This Week&#8217;s Video Tip: My &#8220;How To&#8221; for Getting Upgrades at Hotels!</strong><br />
If you like nice things but prefer not to pay for them, I think you&#8217;ll like this week&#8217;s Weekly Wisdom!</p>
<div class="videoWrapper" data-videoid="EB4EAC72-17BB-4715-A225-A31D3E659FB6"><iframe loading="lazy" class="bbVideoIframe" src="https://bbemaildelivery.com/bbext/?p=vidEmbed&amp;id=EB4EAC72-17BB-4715-A225-A31D3E659FB6&amp;ar=0&amp;videoPlayerId=2b45cee4-9a87-40f9-8b13-d7240a1dca55" width="400" height="225" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen" data-video-player-id="2b45cee4-9a87-40f9-8b13-d7240a1dca55"></iframe></div>
<p><strong>What I&#8217;m listening to</strong> <strong>(for fun)</strong>:<br />
Again, admitted business nerd here&#8230; so, &#8220;Fun&#8221; can sometimes be business stories.  This week I stumbled upon a (Wall Street Journal) podcast about Walgreens and what&#8217;s happened to them over the past few years (I was surprised how little I knew!) and why they&#8217;re struggling.  Very interesting if you&#8217;ve ever been there (it&#8217;s always been my &#8220;go to&#8221; pharmacy&#8230;).  (<a href="https://open.spotify.com/episode/1FPxJ0egmDkP6EMAeabuLv?si=42a69d7b0a4a4b0a" target="_blank" data-cke-saved-href="https://open.spotify.com/episode/1FPxJ0egmDkP6EMAeabuLv?si=42a69d7b0a4a4b0a">Link on Spotify</a>)</p>
<p><strong>What I&#8217;m listening to (for biz):</strong><br />
I was in Dallas this week for an event and one of the &#8220;headline&#8221; speakers was Jesse Itzler.  I&#8217;ve been a long-time Jesse fan and figured I&#8217;d share one of his videos as a place to start if you&#8217;ve never heard of him. (<a href="https://www.youtube.com/watch?v=mGmjDliXpgU&amp;list=PLoQjru_2f8wKC3JbE5lA9mQ2_HmVWGXYM" target="_blank" data-cke-saved-href="https://www.youtube.com/watch?v=mGmjDliXpgU&amp;list=PLoQjru_2f8wKC3JbE5lA9mQ2_HmVWGXYM">YouTube</a>)</p>
<p><strong>Success Story:</strong><br />
One of the greatest compliments a person can get is the referral of someone&#8217;s child.  Below is a great review from a long-time connection of mine who took the opportunity to recommend us to her daughter for her home purchase.  <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f64f.png" alt="🙏" class="wp-smiley" style="height: 1em; max-height: 1em;" /></p>
<p><img decoding="async" src="https://staticapp.icpsc.com/icp/resources/mogile/308188/48ab35a16bf6d0763d7624e33aa56597.png" alt="" data-cke-saved-src="https://staticapp.icpsc.com/icp/resources/mogile/308188/48ab35a16bf6d0763d7624e33aa56597.png" /></p>
</div>
<p><strong>P.S. Do you know someone who could use our help on financing? </strong>My team would love to help!! You can just text/call me at 515-257-6729!</p>
]]></content:encoded>
					
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		<title>WW: Things my wife and I talk about after our kids go to bed&#8230;</title>
		<link>http://www.yourdesmoineshome.com/things-my-wife-and-i-talk-about-after-our-kids-go-to-bed/</link>
					<comments>http://www.yourdesmoineshome.com/things-my-wife-and-i-talk-about-after-our-kids-go-to-bed/#respond</comments>
		
		<dc:creator><![CDATA[Tyler Osby]]></dc:creator>
		<pubDate>Sun, 09 Mar 2025 16:23:29 +0000</pubDate>
				<category><![CDATA[Weekly Wisdom]]></category>
		<guid isPermaLink="false">http://www.yourdesmoineshome.com/?p=7213</guid>

					<description><![CDATA[This week after finally getting our kids to sleep (any other parents find this is a comedically painful process?), we were talking about growing up and how much different life was. Naturally, being a total nerd, I started talking about how I remember going to the store and wanting to buy things &#8212; but not [&#8230;]]]></description>
										<content:encoded><![CDATA[<div class="videoWrapper" data-videoid="FDF9B63D-37A9-47E8-90BF-144E7173E25C">This week after finally getting our kids to sleep (any other parents find this is a comedically painful process?), we were talking about growing up and how much different life was.</p>
<p>Naturally, being a total nerd, I started talking about how I remember going to the store and wanting to buy things &#8212; but not being able to.</p>
<p>We started to talk about life before credit cards &#8212; which was a super funny walk down memory road.</p>
<p>If you&#8217;ve ever wondered what there was before credit cards took off like wildfire, you might enjoy this week&#8217;s Weekly Wisdom &#8212; a walk back in history! <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f602.png" alt="😂" class="wp-smiley" style="height: 1em; max-height: 1em;" /><img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f602.png" alt="😂" class="wp-smiley" style="height: 1em; max-height: 1em;" /><img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f602.png" alt="😂" class="wp-smiley" style="height: 1em; max-height: 1em;" /></p>
<p>That said, on with this week&#8217;s Weekly Wisdom!</p></div>
<div class="videoWrapper" data-videoid="FDF9B63D-37A9-47E8-90BF-144E7173E25C">
<div class="gmail_default">
<p><strong>This Week&#8217;s Video Tip: What was there before credit became wildly popular?</strong><br />
If you&#8217;ve forgotten, or never were exposed to it &#8212; this week&#8217;s Weekly Wisdom is a hilarious walk down memory lane.</p>
<div class="videoWrapper" data-videoid="FDF9B63D-37A9-47E8-90BF-144E7173E25C"> <iframe loading="lazy" class="bbVideoIframe" data-video-player-id="d5a165b6-465d-8997-157a-bdc1914d4ad9" width="400" height="225" src="https://bbemaildelivery.com/bbext/?p=vidEmbed&#038;id=FDF9B63D-37A9-47E8-90BF-144E7173E25C&#038;ar=0&#038;videoPlayerId=d5a165b6-465d-8997-157a-bdc1914d4ad9" frameborder="0" scrolling="no" mozallowfullscreen webkitallowfullscreen allowfullscreen></iframe></div>
<p><strong>What I&#8217;m listening to</strong><strong>(for fun)</strong>:<br />
As a parent, I&#8217;ve really become more aware of how technology is shifting things for my kiddos.  My wife suggested I read the book &#8220;The Anxious Generation&#8221; to then have some conversations around how we will handle technology with our kids.  I highly recommend checking this book out &#8212; I&#8217;m realizing there are a lot of schools catching wind of the studies in this book, and things will probably be changing in the coming years as a result.  Read/Listen/etc&#8230; check it out!  (<a href="https://a.co/d/4oWYGMi" target="_blank" data-cke-saved-href="https://a.co/d/4oWYGMi">Link on Amazon</a>, or buy at your local bookstore!)</p>
<p><strong>What I&#8217;m listening to (for biz):</strong><br />
I&#8217;m a business nerd, so I love hearing people talk about new businesses and then talking to others about the ideas around those businesses.  I recently listened to this great podcast with 3 high school students (including one that&#8217;s trying to convince his folks he shouldn&#8217;t be going to college&#8230;) and the businesses they&#8217;ve started.  Really great pod! (<a href="https://open.spotify.com/episode/5eWqpjCC15foGZ7Z7BgOUN?si=873675e82dc14f99" target="_blank" data-cke-saved-href="https://open.spotify.com/episode/5eWqpjCC15foGZ7Z7BgOUN?si=873675e82dc14f99">Link on Spotify</a>)</p>
<p><strong>Success Story:</strong><br />
We are extremely lucky to get to work with a lot of great local agents!  We&#8217;re always grateful to get feedback like what Emily shared recently on Google!</p>
<p><img loading="lazy" decoding="async" src="https://staticapp.icpsc.com/icp/resources/mogile/308188/e215011e836c85b24dd8d55e007f58e3.jpeg" alt="" width="503" height="137" data-cke-saved-src="https://staticapp.icpsc.com/icp/resources/mogile/308188/e215011e836c85b24dd8d55e007f58e3.jpeg" /></p>
</div>
<p><strong>P.S. Do you know someone who could use our help on financing? </strong>My team would love to help!! You can text/call me at 515-257-6729!</p>
<p>Have a fantastic week! <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f642.png" alt="🙂" class="wp-smiley" style="height: 1em; max-height: 1em;" /></p>
</div>
]]></content:encoded>
					
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		<title>Why time can kill &#8220;stuff&#8221;&#8230;</title>
		<link>http://www.yourdesmoineshome.com/why-time-kills-stuff/</link>
					<comments>http://www.yourdesmoineshome.com/why-time-kills-stuff/#respond</comments>
		
		<dc:creator><![CDATA[Tyler Osby]]></dc:creator>
		<pubDate>Sat, 22 Feb 2025 03:18:37 +0000</pubDate>
				<category><![CDATA[Weekly Wisdom]]></category>
		<guid isPermaLink="false">http://www.yourdesmoineshome.com/?p=7208</guid>

					<description><![CDATA[I&#8217;m SO ready for warmer weather this week!  I hope you enjoy this week&#8217;s &#8220;hot take&#8221; on the topic of time! This time of the year, I&#8217;m looking forward to warmer weather 🙂 That said, on with this week&#8217;s Weekly Wisdom! This Week&#8217;s Video Tip: Why time can kill &#8220;Stuff&#8221;! (Not just real estate, but [&#8230;]]]></description>
										<content:encoded><![CDATA[<div class="videoWrapper" data-videoid="662C4614-A478-4582-BF0E-5823B6EAA161">
<p>I&#8217;m SO ready for warmer weather this week!  I hope you enjoy this week&#8217;s &#8220;hot take&#8221; on the topic of time!</p>
<div class="gmail_default">
<p>This time of the year, I&#8217;m looking forward to warmer weather <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f642.png" alt="🙂" class="wp-smiley" style="height: 1em; max-height: 1em;" /></p>
<p>That said, on with this week&#8217;s Weekly Wisdom!</p>
</div>
<p><strong>This Week&#8217;s Video Tip: Why time can kill &#8220;Stuff&#8221;! (Not just real estate, but all things&#8230; Time kills!)</strong><br />
Over the past 21 years of doing real estate, I&#8217;ve noticed that time tends to be the biggest impact on how deals play out.  I&#8217;ve also noticed that it&#8217;s not limited to real estate! In this week&#8217;s Weekly Wisdom, I am going to unpack how I&#8217;ve noticed time impacts the success rate on things!</p>
<p style="text-align: center;"><strong><iframe loading="lazy" class="bbVideoIframe" src="https://bbemaildelivery.com/bbext/?p=vidEmbed&amp;id=662C4614-A478-4582-BF0E-5823B6EAA161&amp;ar=0&amp;videoPlayerId=47a476d2-2297-4a50-61d7-226b53fca42f" width="200" height="356" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen" data-video-player-id="47a476d2-2297-4a50-61d7-226b53fca42f"></iframe></strong></p>
<p><strong>What I&#8217;m watching</strong> <strong>(for fun)</strong>:<br />
Have you ever watched the TV show &#8220;The Pitt&#8221;?  It&#8217;s a crazy drama show &#8212; think ER, but less soap-opera, more &#8220;real life&#8221; scenarios.  It&#8217;s crazy.  My wife has gotten into it and I&#8217;ve found myself actually paying attention to it after the kids go to bed at night.  If you&#8217;re looking for a new &#8220;appointment television&#8221; show to watch (i.e. they are only releasing a week at a time!), this is a decent pick.  It&#8217;s on HBO/MAX.</p>
<p><strong>What I&#8217;m doing (for &#8220;biz&#8221;):</strong><br />
I&#8217;ve been reviewing my 2025 goals and reviewing my daily activities to see if I&#8217;m (still) on track.  It&#8217;s a helpful reminder as I&#8217;ve often found that once I&#8217;m into the year a couple of months, it&#8217;s easy to drift away from my original intent!  Maybe a good time to set aside 20 minutes this week to do a quick review!</p>
<p><strong>Know someone who should go to this? </strong><br />
We had an amazing first time homebuyer workshop this past week!  8 people were able to make it and they learned a ton!  Our next workshop is this Thursday, March 20th at 6pm in West Des Moines.  Know someone who should be in the room?  Reply back and I can get them added!</p>
<p>Check out this great text I received from an attendee from this week! (Referred by someone who receives these emails!!)</p>
<p><img loading="lazy" decoding="async" class="aligncenter" src="https://staticapp.icpsc.com/icp/resources/mogile/308188/f68cbcc12c406939ec3e2c94359a538a.jpeg" alt="" width="267" height="385" data-cke-saved-src="https://staticapp.icpsc.com/icp/resources/mogile/308188/f68cbcc12c406939ec3e2c94359a538a.jpeg" /></p>
</div>
<p><strong>P.S. Do you know someone who could use our help on financing? </strong>My team would love to help!! You can just text/call me at 515-257-6729!</p>
<p>Have a fantastic week! <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f642.png" alt="🙂" class="wp-smiley" style="height: 1em; max-height: 1em;" /></p>
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		<title>Will my youngest go to college?</title>
		<link>http://www.yourdesmoineshome.com/will-my-youngest-go-to-college/</link>
					<comments>http://www.yourdesmoineshome.com/will-my-youngest-go-to-college/#respond</comments>
		
		<dc:creator><![CDATA[Tyler Osby]]></dc:creator>
		<pubDate>Sun, 16 Feb 2025 20:33:18 +0000</pubDate>
				<category><![CDATA[Weekly Wisdom]]></category>
		<guid isPermaLink="false">http://www.yourdesmoineshome.com/?p=7203</guid>

					<description><![CDATA[I hope you are keeping warm and staying out of the ditches!  Had some close-calls myself this week with some overly confident drivers 😉 That said, on with this week&#8217;s Weekly Wisdom! This Week&#8217;s Video Tip: Will my youngest go to college? (And, what you can do to prepare for YOUR kiddos!) Unexpectedly, my youngest [&#8230;]]]></description>
										<content:encoded><![CDATA[<p>I hope you are keeping warm and staying out of the ditches!  Had some close-calls myself this week with some overly confident drivers <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f609.png" alt="😉" class="wp-smiley" style="height: 1em; max-height: 1em;" /></p>
<div class="gmail_default">
<p>That said, on with this week&#8217;s Weekly Wisdom!</p>
<p><strong>This Week&#8217;s Video Tip: Will my youngest go to college? (And, what you can do to prepare for YOUR kiddos!)</strong><br />
Unexpectedly, my youngest kiddo joined me for this week&#8217;s Weekly Wisdom!  In addition to seeing her hilarious personality (she&#8217;s 5, and unfiltered&#8230;), you&#8217;ll get to hear my advice on preparing for college education costs.  As a father of 3 little girls, it&#8217;s definitely an ongoing conversation in my house!  Figured it was a good topic to share on this week!</p>
<div class="videoWrapper" data-videoid="272048B5-CD1F-4058-A319-94248530C6DC"><iframe loading="lazy" class="bbVideoIframe" src="https://bbemaildelivery.com/bbext/?p=vidEmbed&amp;id=272048B5-CD1F-4058-A319-94248530C6DC&amp;ar=0&amp;videoPlayerId=3afc474d-2596-8ecc-a7a3-aa8cfbadc8ff" width="400" height="711" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen" data-video-player-id="3afc474d-2596-8ecc-a7a3-aa8cfbadc8ff"></iframe></div>
<p><strong>What I&#8217;m watching</strong> <strong>(for fun)</strong>:<br />
Have you ever watched the TV show Billions on Showtime?  I had fallen out of watching it but with the recent snow, I&#8217;ve found myself snowed in and watching it with my wife after my kids fall asleep!  Highly recommend checking it out (or, checking it back out, if you&#8217;re like me!).  Axe is wild.  And so well acted!</p>
<p><strong>What I&#8217;m watching (for &#8220;biz&#8221;):</strong><br />
I stumbled upon a video interview of Scott Galloway on My First Million where Scott covered a LOT &#8212; but one my favorite excerpts was right at the beginning when he talks about not following your passion.  Instead, follow your talents.  If you want to have a GREAT way to approach the conversation of helping someone create wealth on their own terms, <a href="https://www.youtube.com/watch?v=C4ylGGYD-3c" target="_blank" data-cke-saved-href="https://www.youtube.com/watch?v=C4ylGGYD-3c">this was a great interview</a>!</p>
<p><strong>Know someone who should go to this? </strong><br />
(THIS WEEK!!!) We are doing first time homebuyer class!  We already have a few RSVP&#8217;s and have room for more!  Our next workshop is this Thursday, February 20th at 6pm in West Des Moines.  Know someone who should be in the room?  Reply back and I can get them added!</p>
<p><strong>Continued proof we get to serve the coolest clients in Iowa:</strong><br />
I often tell people we&#8217;re a great first call&#8230; knowing we&#8217;re not always a perfect fit for every person that we talk to.  This review speaks to that better than anything I&#8217;ve ever received!</p>
<p><img loading="lazy" decoding="async" src="https://staticapp.icpsc.com/icp/resources/mogile/308188/022f42e8044c238a856874abdbb068a4.png" alt="" width="498" height="250" data-cke-saved-src="https://staticapp.icpsc.com/icp/resources/mogile/308188/022f42e8044c238a856874abdbb068a4.png" /></p>
</div>
<p><strong>P.S. Do you know someone who could use our help on financing? </strong>My team would love to help!! You can just reply back to this email or text/call me at 515-257-6729!</p>
<p>&nbsp;</p>
<p>Have a fantastic week! <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f642.png" alt="🙂" class="wp-smiley" style="height: 1em; max-height: 1em;" /></p>
<p>T<br />
Tyler Osby<br />
Branch Manager (NMLS #8668). Educator. Closet &#8220;Hip Hop BBQ&#8221; Pandora listener. Father of *three beautiful little girls.</p>
<p>The Tyler Osby Team at Fairway Independent Mortgage Corporation (NMLS #2289).</p>
<p>Home of the friction-free home closing!</p>
<p>Call or Text l 515.257.6729 (OSBY)<br />
Fax l 866.496.3979<br />
E-Mail l tyler@tylerosbyteam.com<br />
Get Started 24/7 l www.applywithtyler.com<br />
Snail Mail l 2400 86th Street #29 in Urbandale, Iowa 50322</p>
<p><strong>P.S. We are at our best when helping others!  Here are 4 ways our team can help you!</strong></p>
<p>1. Know someone buying or looking to refinance a home?<br />
Referrals are the life-blood of our business!  If you know someone looking to buy, sell or refinance their home, please forward us their name and number!  We&#8217;ll take great care of them!</p>
<p><strong>2. Know someone who is buying their first home?</strong><br />
We offer a FREE First Time Homebuyer Workshop twice a month!   Normally it&#8217;s $20/person to cover food/drink.  Just text &#8220;workshop&#8221; to 515-257-6729 to get on the list!</p>
<p><strong>3. Download our free mortgage calculator!</strong><br />
You can download our free, ultra-accurate mortgage calculator by texting &#8220;calculator&#8221; to 515-257-6729.</p>
<p>4. Get a custom rate quote!<br />
Looking to get a custom quote on what we can do for you?  We can start the process with our free custom rate quote!  With over 20 factors going into each rate quote, this will get you on the fast track to see what you can do!  Just text &#8220;rate quote&#8221; to 515-257-6729 to get started!</p>
<p>&nbsp;</p>
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		<title>What are you doing with your tax refund?</title>
		<link>http://www.yourdesmoineshome.com/what-are-you-doing-with-your-tax-refund/</link>
					<comments>http://www.yourdesmoineshome.com/what-are-you-doing-with-your-tax-refund/#respond</comments>
		
		<dc:creator><![CDATA[Tyler Osby]]></dc:creator>
		<pubDate>Sun, 09 Feb 2025 22:22:05 +0000</pubDate>
				<category><![CDATA[Weekly Wisdom]]></category>
		<guid isPermaLink="false">http://www.yourdesmoineshome.com/?p=7197</guid>

					<description><![CDATA[I hope you enjoyed Superbowl weekend!  And, hope your team won (I don&#8217;t have one, so consider me Switzerland!). That said, on with this week&#8217;s Weekly Wisdom! This Week&#8217;s Video Tip: What are you doing with your tax refund? I&#8217;ve been doing a LOT of reading/education for myself on the topic of money the past [&#8230;]]]></description>
										<content:encoded><![CDATA[<div class="videoWrapper" data-videoid="A9DF2021-7F81-4749-AC0A-7E823BD27E3E">
<p>I hope you enjoyed Superbowl weekend!  And, hope your team won (I don&#8217;t have one, so consider me Switzerland!).</p>
<p>That said, on with this week&#8217;s Weekly Wisdom!</p>
<div class="gmail_default">
<p><strong>This Week&#8217;s Video Tip: What are you doing with your tax refund?</strong><br />
I&#8217;ve been doing a LOT of reading/education for myself on the topic of money the past few months and tax refund time has me thinking&#8230; (and not about down payment for houses).  Take a listen if you don&#8217;t yet have a plan for <em>your</em> tax refund!</p>
</div>
<div class="videoWrapper" data-videoid="A9DF2021-7F81-4749-AC0A-7E823BD27E3E"><iframe loading="lazy" class="bbVideoIframe" src="https://bbemaildelivery.com/bbext/?p=vidEmbed&amp;id=A9DF2021-7F81-4749-AC0A-7E823BD27E3E&amp;ar=0&amp;videoPlayerId=05097c1b-1a5d-35d3-1d12-8621c1e14423" width="400" height="225" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen" data-video-player-id="05097c1b-1a5d-35d3-1d12-8621c1e14423"></iframe></div>
<div class="gmail_default">
<p><strong>What I&#8217;m listening to</strong><strong>(for fun)</strong>:<br />
I have never been much of a gambler&#8230; mostly because I don&#8217;t think I&#8217;m very good at it.  This week I listened to a really interesting podcast from a professional gambler though.  Found it fascinating.  Apparently the guy is famous. (<a href="https://open.spotify.com/episode/3QWeqyTpAnIbsSBSPw1wIK?si=4722427e6e0b4469">Spotify Link</a>)</p>
<p><strong>What I&#8217;m reading (for &#8220;biz&#8221;):</strong><br />
As I&#8217;m sure you have heard/read, there are a lot of proposed changes with the new administration.  One that&#8217;s been talked about is forcing Fannie Mae and Freddie Mac out of conservatorship.  There was an i<a href="https://archive.ph/sfaMX" data-cke-saved-href="https://archive.ph/sfaMX">nteresting read on the topic here.</a></p>
<p><strong>Know someone who should go to this? </strong><br />
We are doing first time homebuyer classes again!  We already have a few RSVP&#8217;s and have room for more!  Our next workshop is February 20th at 6pm in West Des Moines.  Know someone who should be in the room?  Reply back and I can get them added!</p>
<p><strong>Continued proof we get to serve the coolest clients in Iowa:</strong><br />
Please share with anyone who might be needing some help during/after a divorce!&#8230;</p>
<p><img decoding="async" src="https://staticapp.icpsc.com/icp/resources/mogile/308188/bcf5b6ff867b0b5a75432e85cb9dc271.png" alt="" data-cke-saved-src="https://staticapp.icpsc.com/icp/resources/mogile/308188/bcf5b6ff867b0b5a75432e85cb9dc271.png" /></p>
</div>
<p><strong>P.S. Do you know someone who could use our help on financing? My team would love to help!! You can justtext/call me at 515-257-6729!</strong></p>
<p>Have a fantastic week! <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f642.png" alt="🙂" class="wp-smiley" style="height: 1em; max-height: 1em;" /></p>
</div>
<div class="videoWrapper" data-videoid="A9DF2021-7F81-4749-AC0A-7E823BD27E3E"></div>
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		<title>Good news for medical collections on credit reports!</title>
		<link>http://www.yourdesmoineshome.com/good-news-for-medical-collections-on-credit-reports/</link>
					<comments>http://www.yourdesmoineshome.com/good-news-for-medical-collections-on-credit-reports/#respond</comments>
		
		<dc:creator><![CDATA[Tyler Osby]]></dc:creator>
		<pubDate>Fri, 10 Jan 2025 11:56:54 +0000</pubDate>
				<category><![CDATA[Weekly Wisdom]]></category>
		<guid isPermaLink="false">http://www.yourdesmoineshome.com/?p=7191</guid>

					<description><![CDATA[This week, I have really exciting news relating to an important change with credit reports! If you&#8217;re like me, you&#8217;ve found medical bills (and, the insurance summaries we get) wildly confusing &#8212; and, at it&#8217;s worst, it can lead to some problems with your credit report. In this week&#8217;s Weekly Wisdom, I&#8217;m going to unpack [&#8230;]]]></description>
										<content:encoded><![CDATA[<div class="videoWrapper" data-videoid="ADE1F41E-4A6F-41FC-A7D0-7E8D3715EA84">
<div class="gmail_default">
<p>This week, I have really exciting news relating to an important change with credit reports!</p>
<p>If you&#8217;re like me, you&#8217;ve found medical bills (and, the insurance summaries we get) wildly confusing &#8212; and, at it&#8217;s worst, it can lead to some problems with your credit report.</p>
<p>In this week&#8217;s Weekly Wisdom, I&#8217;m going to unpack a recent change with credit reports that will positively impact a LOT of Americans!</p>
</div>
<p><strong>P.S. If you know someone who might benefit from what this week&#8217;s Weekly Wisdom was about, we&#8217;d love to help give direction on things! You can just text/call me at 515-257-6729!</strong></p>
</div>
<div class="videoWrapper" data-videoid="ADE1F41E-4A6F-41FC-A7D0-7E8D3715EA84"><iframe loading="lazy" class="bbVideoIframe" src="https://bbemaildelivery.com/bbext/?p=vidEmbed&amp;id=ADE1F41E-4A6F-41FC-A7D0-7E8D3715EA84&amp;ar=0&amp;videoPlayerId=ed78f877-5fde-9f0f-c197-3cd330e6951a" width="200" height="356" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen" data-video-player-id="ed78f877-5fde-9f0f-c197-3cd330e6951a"></iframe></div>
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		<title>First time homebuyer workshops are back!</title>
		<link>http://www.yourdesmoineshome.com/first-time-homebuyer-workshops-are-back/</link>
					<comments>http://www.yourdesmoineshome.com/first-time-homebuyer-workshops-are-back/#respond</comments>
		
		<dc:creator><![CDATA[Tyler Osby]]></dc:creator>
		<pubDate>Sun, 05 Jan 2025 22:10:48 +0000</pubDate>
				<category><![CDATA[Weekly Wisdom]]></category>
		<guid isPermaLink="false">http://www.yourdesmoineshome.com/?p=7189</guid>

					<description><![CDATA[This week, I have really exciting news! After a long break of not having them, we&#8217;re bringing back the First Time Homebuyer Workshop we did &#8220;back in the day&#8221;! (Pre-COVID!) In this week&#8217;s Weekly Wisdom, I&#8217;m going to race the carwash (that alone, makes this week a pretty entertaining video&#8230;) in explaining what we&#8217;re up [&#8230;]]]></description>
										<content:encoded><![CDATA[<div class="videoWrapper" data-videoid="4A11BA3F-942D-449A-8D2A-D474D50BCF9F">
<p>This week, I have really exciting news!</p>
<p>After a long break of not having them, we&#8217;re bringing back the First Time Homebuyer Workshop we did &#8220;back in the day&#8221;! (Pre-COVID!)</p>
<p>In this week&#8217;s Weekly Wisdom, I&#8217;m going to race the carwash (that alone, makes this week a pretty entertaining video&#8230;) in explaining what we&#8217;re up to and why we brought it out of retirement!</p>
<p>Take a listen below!</p>
</div>
<div class="videoWrapper" data-videoid="4A11BA3F-942D-449A-8D2A-D474D50BCF9F"><iframe loading="lazy" class="bbVideoIframe" src="https://bbemaildelivery.com/bbext/?p=vidEmbed&amp;id=4A11BA3F-942D-449A-8D2A-D474D50BCF9F&amp;ar=0&amp;videoPlayerId=0e6c8eab-ee1e-ada3-eb62-09cb89106ad4" width="500" height="281" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen" data-video-player-id="0e6c8eab-ee1e-ada3-eb62-09cb89106ad4"></iframe></div>
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		<title>Goal of buying a home in 2025?</title>
		<link>http://www.yourdesmoineshome.com/goal-of-buying-a-home-in-2025/</link>
					<comments>http://www.yourdesmoineshome.com/goal-of-buying-a-home-in-2025/#respond</comments>
		
		<dc:creator><![CDATA[Tyler Osby]]></dc:creator>
		<pubDate>Fri, 27 Dec 2024 12:34:49 +0000</pubDate>
				<category><![CDATA[Weekly Wisdom]]></category>
		<guid isPermaLink="false">http://www.yourdesmoineshome.com/?p=7184</guid>

					<description><![CDATA[This week, a lot of us are thinking about our goals for 2025! Do you know someone who is thinking about buying a home in 2025? In this week&#8217;s Weekly Wisdom, my message is specifically for anyone who has this in their goals for 2025 (whether they actually have a plan, or not). If you [&#8230;]]]></description>
										<content:encoded><![CDATA[<div class="videoWrapper" data-videoid="0624356B-839B-452C-8E6F-4FD2234F1C46">
<div class="gmail_default">
<p>This week, a lot of us are thinking about our goals for 2025!</p>
<p>Do you know someone who is thinking about buying a home in 2025?</p>
<p>In this week&#8217;s Weekly Wisdom, my message is specifically for anyone who has this in their goals for 2025 (whether they actually have a plan, or not).</p>
<p>If you would like to take the first, next step; watch this short video! <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f642.png" alt="🙂" class="wp-smiley" style="height: 1em; max-height: 1em;" /></p>
</div>
<p><strong>P.S. If you know someone who might be considering buying a home this year, we&#8217;d love to help out! You can just text/call me at 515-257-6729!</strong></p>
</div>
<div class="videoWrapper" data-videoid="0624356B-839B-452C-8E6F-4FD2234F1C46"><iframe loading="lazy" class="bbVideoIframe" src="https://bbemaildelivery.com/bbext/?p=vidEmbed&amp;id=0624356B-839B-452C-8E6F-4FD2234F1C46&amp;ar=0&amp;videoPlayerId=fb064819-ac7a-157d-42b7-b243bf611fe9" width="400" height="225" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen" data-video-player-id="fb064819-ac7a-157d-42b7-b243bf611fe9"></iframe></div>
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