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Dec 5, 2025 Still Alive - Allen Bevans Notebook LM Summarizes Dr. Efthemia Papadopoulos' work in AI from 2000 to now. Fantastic podcast of Efthemia Papadopoulos' research publications in 2001 about AI, 2012 about technology enhanced assessment centers / simulations, and Dr. P's Dissertation Dramedy video on EFTHEMIA YouTube Channel. Thank you to Chunyao Chen for sharing Notebook LM with grad students Fall - December 5, 2025 in our Friday cohort.

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Bebe Blanchette introduced Dr. P to Fred and we talked.

If you qualify to buy now, buy because appreciation will occur. Appreciation is property increasing in value and that is a way to get ahead of inflation. Have REAL a real estate asset, property like a single family home or multi-unit with no extra payment like HOA or land lease/rent for mobile home park.

There are so many moving parts to qualify to borrow money to acquire real estate. If you qualify to buy now, buy. Real estate favors inflation so even if the rates are not what they were a few months ago, rates are still low compared to other times in history. A borrowers situation can change in the blink of an eye and then they no longer qualify to buy. Paris was reminded of lyrics from Eminem in this show.

Know what you are buying. Many times in real estate transactions even if you see the property and it looks great, there could be problems so do your research, otherwise know as due diligence, whether it is listed "as is" or not, beware as a buyer and as a seller.

Market changes but regardless the market conditions, due diligence in transactions is wise.

Is a hacker collecting that four to ten cents price difference or some internal programming? Even at self check out it is important to check the price of item listed and the amount the scan inputs. Who is responsible for your buying power? YOU ARE! Need to pay attention to where spending, what spending, how spending, fine print and keeping credit score high for buying power to be high. What is up with society and traffic?

Special guest Paris Valencia (age 9) calling out why those earning $250K a year and struggling now are struggling. Stupid, tricked by ads, spending on things we don't need.

Physical and Financial Fitness. Mortgage defined. Amortization / Fully Amortized defined.

Physical and financial fitness intelligence by Dr. P in this season three of Happy Everyday podcast. Text or email coach for more info. Congratulations to graduating students.

California Homebuyers Forgivable Equity Builder (CALHFA) information and life coaching, by Dr. -shout out to Nadine!

Dr. Papadopoulos discusses a little about her real estate investments in three states. She mentioned setting up your direct deposit for 10% of your income to go to an account to pay yourself. There are also greater efficiency gains one can to like learn to live with less. Dr. Papadopoulos was able to set aside 60% of her income to pay herself in an account she used to invest and earn more money and acquire real estate. Where can you spend less on others and spend more paying yourself to where you can use what you pay yourself to earn more?

Happy Today, Happy Everyday. Episode 1 of Season 3 -Host Dr. P ([email protected]), text (949) 385-2399. Dr. Efthemia Papadopoulos, M.S., Ph.D., back in finance. Dr. P worked in mortgages in 2000 and since has coached and help people with physical, financial, business and academic goals. Story about Sam is mentioned in this episode and little more about Sam in the book Happy Everyday Sam and on Loans section of The Happy Everyday website: https://thehappyeveryday.org/loans 

Dr. P (Bonnie) goes live with students in Entertainment Operations class.