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Explore our local studies collection and discover more about this beautiful county with our regular podcast. Norfolk Heritage Centre is located on the second floor of Norwich Millennium Library. More info here: thenorfolkheritagecentrepodcast.wordpress.com
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Norfolk Folklore Society

Norfolk Folklore Society

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The Norfolk Folklore Society podcast hosted by Siofra Connor & Stacia Briggs. We hope to entice folklore lovers, stone spotters, paranormal investigators, cryptozoologists, folk horror enthusiasts, ufologists, magic users and any other curious souls to join us on our strange journeys around Norfolk.
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Norfolk Wizard Game

Alfabusa, Ogre Poppenang

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A Mage: The Ascension actual-play taking place in the same universe as Hunter: The Parenting, following a group of Mages in Norfolk, Virginia, discovering the truth of reality and their ability to bend it at their whims.
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Norfolk & Good

Enjoying Norfolk

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The Enjoying Norfolk podcast. Norfolk things, places and people that we like, and would happily recommend to friends & family... along with other general musings of a Norfolk nature. Discover, Support, Enjoy.
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The Eastern Daily Press’ King’s-Lynn based sports reporter Gavin Caney will be bringing you all the latest news and views from the west of the county in his new weekly West Norfolk Sports Podcast. Expect in-depth analysis on the exploits of the town’s football and speedway clubs as well as features away from The Walks and the Norfolk Arena. Special guests, quizzes and fan interaction are the name of the day. So get in touch and join in by e-mailing your questions, comments and observations t ...
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The British county of Norfolk - where the iconic success of Team Lotus was cultivated, where Ayrton Senna, Martin Brundle, Mark Webber and more honed their race craft, and home to the NR F1 Podcast. Sports journalist Michael Bailey plus his Formula 1 podcast guests pore over every grand prix, the latest news and talking points. Find your subscription: http://nrf1.uk/podsubscribe and join the debate via Twitter and Facebook @theNRF1
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There are a large number of investing strategies you could pursue as a real estate investor: Nomad™, house hacking, fix and flip, buying 20% down rentals, buying 25% down rentals, saving up to buy free and clear rentals and many, many more options. Which is the best? Which gets you to financial independence fastest? Which gives you the highest net …
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Join Kevin Faulkner, author of numerous essays on the life and work of Sir Thomas Browne, as he examines the 17th century physician-philosopher's writings, discusses some of the books he owned, and explores Browne's intellectual pursuits in the context of the proto-psychology he termed 'the Theatre of Ourselves'.This talk took place in person at th…
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Join the Norfolk Folklore Society as we introduce author, illustrator and folklorist Helen JR Bruce who will be diving into the rich folklore and mythology surrounding Black Dogs. Cover illustration - Shuck Zine / Matt WillisNorfolk Folklore Society tarafından oluşturuldu
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Deal Alchemy™ - Increasing Down Payment There are four primary returns from investing in rental properties: appreciation, cash flow, debt paydown, and the tax benefits of depreciation. Additionally, there is a secondary return in the form of the interest earned on the reserves required to make the investment in the first place. Many real estate inv…
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Warning - Risks of Rental Property Expenses When Investing in Real Estate Risk is all around us. When we choose to invest in anything, we’re choosing to take on the additional risk characteristics of that investment. For example, when we choose to invest in real estate, we choose to take on the risk characteristics of the specific real estate inves…
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How to Analyze a New Construction Single-Family Home Property in Norfolk Your ability to analyze deals is arguably the most important skill as a real estate investor. It allows you to make smart investment decisions and helps you avoid making career-ending bad decisions, such as buying cash-flowing-sucking vampire properties. In this class, James w…
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The 3 Strategies to Pay Private Mortgage Insurance (PMI) Whether they're putting 15% down and buying a non-owner-occupied property or utilizing an owner-occupied loan with 0%, 3%, 3.5%, or 5% down for Nomading™ or house hacking, some real estate investors will choose to put less than 20% down. With the decision to put less than 20% down comes the c…
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Investing in real estate is full of truthy-sounding falsehoods: it is always better to do X than Y. However, if you were crazy enough to sit down and do the math, you'd find the truth to be much more nuanced. For example, should you take all your extra cash flow and savings and apply it to your mortgages each month to pay off rental properties fast…
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We were absolutely delighted to welcome Lucy Spirit and Rachel Duffield as our January speakers the Norfolk Heritage Centre at the Norwich Millennium Library. Rachel, who is an artist and costume marker, a historical reenactor and an incredible painter who spent years working for Norfolk Museums Service will be presenting the talk written by Lucy, …
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Deal Alchemy™ - Cash Flow to Debt Paydown There are four primary returns from investing in rental properties: appreciation, cash flow, debt paydown, and the tax benefits of depreciation. Additionally, there is a secondary return in the form of the interest earned on the reserves required to make the investment in the first place. Many real estate i…
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Warning - The Risk of Down Payment Size When Investing in Real Estate Life is full of risks. When we choose to invest, we choose to take on additional risks. If we invest in stocks, we choose to take on certain risks. When we choose to invest in bonds, we take on different risks. When we choose to invest in real estate, we choose to take on additio…
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Today’s podcast is about the Magical Sword of Winfarthing, the Excalibur of Norfolk which helped women rid themselves of terrible husbands (and find their lost horses) from the safety of their village church. We have plenty of sword play with a range of topics which see us discuss witchcraft, famous magical swords and why we can’t pronounce most of…
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How to Analyze a 5% Down Single-Family Nomad™ Property in Norfolk Using the latest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™, we will walk through how to analyze a single-family home Nomad™ property with a 5% down payment. Learn how to analyze deals correctly and avoid buying cash flow vampires. Only buy the best deals …
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HulkyKrow as Bill Morgan Odoroshi as Sybil Inswood Earndil as Samson Tuttle Fredrik Knudsen as Parker Knickerbocker SpeakerD as the Storyteller Audio Composition by Dr White https://www.youtube.com/@DrWhite ...and Alfabusa Illustration by Ironirocal Graphic Design by Odoroshi Our Patreon: ⁠http://www.patreon.com/alfabusa⁠ Our Paypal Donation Page: …
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What Affects Your PMI Rate Lenders prefer that you put at least 20% down, but if you push hard enough, many will allow you to put less than 20% down if you're willing to purchase insurance to protect them in case you default. This insurance is called Private Mortgage Insurance. The cost of this insurance depends on several factors. Some are primary…
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Our December 2023 talk was given by the wonderful Val Thomas. Val, a good friend of the Norfolk Folklore Society (she was the first ever speaker the NFS had at our monthly talks!), shared some recommendations for a magical Yule or Christmas dinner with our guests. About Val: Val Thomas is a witch, a craftsperson, herbalist and a teacher. For more t…
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You're a real estate investor looking to acquire properties by saving up and putting 25% down. Should you buy an owner-occupied property first? What if that's more expensive than renting? Should you still do it? What if it means you'll be saving less for acquiring rentals by buying an owner-occupied property first? In this comparison class, we will…
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Deal Alchemy™ - Lease-Options Different real estate investors desire, prefer, and prioritize different returns. For example, many real estate investors have a strong preference for the cash flow part of their return. With Deal Alchemy™, we can manipulate returns and move them from one area to another. Or, we can move them from one or more areas to …
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Warning - Insurable Risks When Investing in Real Estate Life has risks. Real estate investing in Norfolk adds some additional risks. Some of these risks can be shifted from your responsibility to the responsibility of a third party for a fee. This is often described as insurance. You choose to pay someone else to take on a risk you don't want to ta…
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How to Analyze a 20% Down Single-Family Home Rental Using the latest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™, we will walk through how to analyze a single-family home rental property with a 20% down payment. Learn how to analyze deals correctly and avoid buying cash flow vampires. Only buy the best deals that make sen…
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What is PMI And How to Avoid It You want to work with a lender so that you don't need to purchase a property with all cash. The lender is willing to lend you money, charging you interest to make a profit, and ensuring there is a safety buffer of equity in case you default and they need to foreclose to recover their funds. Your goal is to minimize t…
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We were delighted to welcome the wonderful Laura Cannell to our November at The Louis Marchesi in the pub’s 15th century undercroft. Laura spoke about her new project, MARSHLORE, which has so far seen the publication of two zines, each of which include a miscellany of stories, original artwork, folklore and more, inspired by the East Anglian marshe…
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Should you use the Nomad™ strategy to acquire properties with a minimal 5% down payment as quickly as possible? Or is it better to be a little more patient and save up for full 25% down payments and buy rentals without moving into each? By saving up for a 25% down payment, the properties will cash flow better. That may allow you to save up faster f…
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Improving Cash Flow on Rental Properties by Improving the Property When real estate prices, mortgage interest rates, and rent rates are high, it can be more challenging to generate great cash flow from a rental property. However, it is also more important than ever to do everything in your power to maximize cash flow. There are 88 strategies for im…
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This month’s podcast is all about ghosts – or rather, the ghosts we’d all draw if anyone asked us to mock up a quick doodle. You know the one: looks like a floating bedsheet with eyes. Round on top, wiggly on the bottom, with a couple of eyes holes – it’s the image that always pops to mind when thinking of ghosts: but why? This very specific image …
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Refinancing Rental Property Tips There are many flavors of refinancing rental properties: cash-out refinances, cash-in refinances, rate and term refinances, and recasting loans. Understanding each one, when you might want to use them in your real estate investing, the general rules and guidelines for using them, and the impact of each are all impor…
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Financing Tips When Writing an Offer to Buy a Rental So, you understand financing for buying your next property, and you're ready to go out in search of a property to buy. There are a few financing-related tips that might help set you up for success, improve the odds of getting your offer accepted, getting the best price and terms on your offer, an…
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On October 24 Christian Hudson from Norfolk Ghost Hunters came to speak to us at the Norfolk Folklore Society’s monthly meeting. Christian works within a team of five, each of whom specialise in different fields, and is a paranormal investigator and demonologist. He works in tandem with the Church of England and the Catholic church and he and his t…
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Sometimes buying rental properties is merely a means to an end: financial independence. Some folks don't want to hold onto their rental properties, manage them, or deal with the business of owning them when they achieve financial independence. Instead, they may prefer to have their money more passively invested in stocks. Can a real estate investor…
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Deanna Ashton and I worked in tandem to get our investor client their first investment property. With Deanna's assistance, we were able to help our client get his deal not only accepted but also positioned as the best offer in a multiple-offer situation. In my sit-down with Deanna, we discuss the deal and some of the more heavy topics in real estat…
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Tips for Getting Mortgage Quotes from Lenders If you choose a random lender, you'll have a random chance of closing with financing. And in many markets, if your lender fails to perform, you as the buyer are in default (since your lender is not a party to the contract). Wouldn't you rather have more certainty that your lender will perform and that y…
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Today’s podcast was recorded on Gressenhall Farm and workhouse’s Apple Day, which we were delighted to be part of, representing Norfolk Folklore Society in the farmhouse kitchen. From the kitchen table we offered people a host of apple folklore and it was lovely to welcome so many people and to hear their own folklore and ghost stories.…
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In the last few years, we've seen equity explode. Property prices have been growing like a weed in a spring. And, lower mortgage interest rates mean loan paydown has been more like the Mississippi than a backyard creek. Many real estate investors who owned property during that period will be tempted to tap into that equity to invest in more propert…
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How can you speed up your journey to financial independence (FI)? In this special class, James will go over a brand-new spreadsheet and walk you through all the different ways to speed up your achievement of financial independence. James covers the following in this class: What is financial independence? How is financial independence defined mathem…
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Preparing to Get Mortgages So, you’ve decided to invest in real estate and know that you’ll need a mortgage to buy property. There are some things you should do BEFORE you apply for your mortgage. You should be thinking about these things ideally for multiple years before you try to get a mortgage. In this mini-class, we will discuss the preparatio…
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Accessing Equity in Properties With prices up a lot over the last few years and interest rates having lingered near all-time lows, many real estate investors find themselves sitting on massive amounts of equity in their properties. But, how do you access that equity? In this mini-class, James will look at a variety of ways to access equity in prope…
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Have you ever wondered what happened to Pinocchio after he became a real boy? Find out at The Garage in Norwich this Christmas. In this episode, we talk to Daniel Burgess, Artistic Director at All-In Productions, and Mark Hazell, Marketing Manager at The Garage in Norwich, about The Garage - what it does and why, as well as hearing about some of th…
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The Return on Investment on Extra Down Payments You’re buying a rental property. You have more than you need for a down payment, closing costs and reserves. One option you’re considering is putting more down. Putting more down will often improve cash flow and Cash on Cash Return on Investment. The dollar amount of returns from Appreciation and Depr…
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Most real estate investors consider themselves financially independent when the income from all of their investments exceeds their personal expenses. To achieve this, they need net positive cash flow from all rental properties after all expenses, any income generated from stocks, bonds, or other investments times a safe withdrawal rate, and any soc…
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Use this special spreadsheet to track the returns on each property in your portfolio. It utilizes the Return in Dollars Quadrant™ methodology to easily allow you to track appreciation, cash flow, debt paydown, Cash Flow from Depreciation™ and the return on your reserves all in one place. Plus, see how and when each return is taxed. And, whether the…
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Autumn is officially here and with it a whole new season of things to discover, support and enjoy in Norfolk. In this episode, we look back over a busy summer of enjoying Norfolk (ideas for next year and stuff to watch out for in the future!), and talk about events coming up that we're excited about, including, of course, Halloween. October 2023 ha…
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Simply because they are not expected, ghosts that appear in modern surroundings and with no warning often feel like the most terrifying of all. Today’s ghost is absolutely terrifying. Our witness tells us: “It was like a damp sheet of very black space wrapping itself around me…” And where was this horrific patch of dark matter? In the very middle o…
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Should I Put 15% or 20% Down When Buying a Rental Property? In a real estate market that has seen significant increases in property prices and rapidly rising mortgage interest rates, it can be harder than ever to obtain decent cash flow. However, many real estate investors are tempted to minimize their down payments to optimize their overall return…
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Use this special budget spreadsheet to model changes in your situation like buying an owner-occupant property, buying rental properties, getting married or divorced or remarried, retiring and much much more. The spreadsheet allows you to create 6 variations to your budgets for different seasons of your life to easily see how that impacts what you n…
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The fourth and final of our four Awakenings to intro our Mage: The Ascension actualplay, Norfolk Wizard Game. We following the tense, put-upon Parker Knickerbocker, a hopeful archeologist stuck running a dusty antique store owned by his old, sausage-loving father, with no hope of following his dreams. On this day however, an eccentric customer ente…
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Loan Comparison Spreadsheet for Real Estate Investors Sometimes it can be helpful to compare various loan programs and options simultaneously. For example, it could be useful to compare the monthly payment differences between various "nothing down," "low down," and full-size down payment options when buying a rental property. Visually seeing a char…
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The third of four Awakenings to intro our Mage: The Ascension actualplay, Norfolk Wizard Game. We follow aspiring basketball star Samson Tuttle in his quest to be the best to ever ball. Unfortunately, his goals are mired by trauma, harrassment, nepotism and, most annoying of all, wizardry. How could one possibly dunk that ball when all the world do…
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The second of four Awakenings to intro our Mage: The Ascension liveplay, Norfolk Wizard Game. We follow Sibyl Innswood, a goth gremlin game developer whose want is to express herself through her morbid art installations. But upon showing the fruits of her labour at an art gallery in Norfolk, an incomprehensible darkness comes to completely change h…
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