The Lady Landlords Podcast
By Becky Nova
Empowering women to achieve financial freedom with real estate investing resources. Want to learn more about real estate investing? Tune into our weekly podcast show to hear the latest advice from industry experts, Becky Nova's story, and success stories from those in our community.
How you can give yourself a $1000+ Monthly Raise!
In this episode, Lady Landlords founder, Becky Nova, shares how she negotiated her new Duplex in NY to giver her the cash flow she needed to make his deal work! Apply to work with Becky Nova at Lady-landlords.com/roadmap
August 02, 2022
How to Raise Rents effectively: The Binder Method with Dion McNeely
In this episode, Lady Landlords Founder, Becky Nova, interviews Dion McNeely on The Binder Method, a effective strategy for having a tenant ask you to raise rent! Learn more about Dion here. Apply to work with Becky Nova here.
July 26, 2022
What is BRRRR and How it can Help you Scale your Portfolio...Fast!
In this episode, Lady Landlords Founder, Becky Nova, explains what the BRRRR Method is and how it can help accelerate your Portfolio's growth! As mentioned in this episode: Watch the Finding Off Market Properties Webinar here. Sign up for the Hard Money Lending Portfolio here. Apply to work with Becky Nova here!
July 19, 2022
Member Spotlight: Finding your Niche in Glamping with Evangelia Stavros Leclaire
In this epsiode, Lady Landlords founder, Becky Nova, interview group member, Evangelia Stavros Leclaire, about her venture into glamping! Follow Evangelia at TheLodgeatGlampful: https://www.instagram.com/thelodgeatglampful/ Apply to work with Becky Nova at Lady-Landlords.com/roadmap
July 12, 2022
How Lady Landlords began and is changing lives!
In this episode, Lady Landlords founder, Becky Nova, share how Lady Landlords got it start by solving one simple problem and then highlights members in our community that have found success! Apply to work with Becky Nova here.
July 05, 2022
Passive Investing in Syndications with John Cohen
In this episode, Lady Landlords founder, Becky Nova, interviews John Cohen about what Syndications are and how they can be a great way to diversify your portfolio. Watch our special Syndications Webinar here: https://youtu.be/N1Mr0JEyMEY Apply to work with Becky Nova at Lady-Landlords.com/Roadmap
June 28, 2022
How to Travel the World and Manage your Rentals!
In this episode, Lady Landlords Founder, Becky Nova, shares her recent experience on how she successfully travels and manages her rentals at home. Apply to work with Becky Nova: Lady-Landlords.com/Roadmap
June 21, 2022
How to Be a Successful Networker with Adrian Miller
In this episode, Lady Landlords founder, Becky Nova, interviews Adrian Miller of Adrian's Network on what to do and what to say at REI Networking events to build connections. Learn more about Adrian's Network at AdriansNetwork.com Apply to work with Becky Nova at Lady-Landlords.com/Roadmap
June 14, 2022
3 Actions Even a Beginner can Take Today!
In this episode, Lady Landlords founder, Becky Nova, shares three actions that every real estate investor should take, even if you are a Beginner! Apply to work with Becky Nova at Lady-Landlords.com/Roadmap
June 07, 2022
How to Make Money Buying Real Estate Notes
In this episode, Lady Landlords founder, Becky Nova, interviews the Cash Flow Chick, Paige Panzarello, on what Notes are and why you should be buying them. Sign up for the Power of Notes Workshop June 10th- June 12th here: https://www.buildingwealthwithnotes.com/ladylandlord Apply to work with Becky Nova at Lady-Landlords.com
May 31, 2022
Success in Short Term Rentals with Tony J. Robinson of Bigger Pockets
In this episode, Lady Landlords Founder, Becky Nova, interviews Tony J. Robinson from Bigger Pockets how the 3 traits you need to be successful in Short Term Rentals. Take Tony's Bus Tour: STRRidealong.com Apply to work with Becky Nova: Lady-Landlords.com/Roadmap
May 17, 2022
How to Collect Back Rent
In this episode, Lady Landlords founder, Becky Nova, shares her experience with court cases since being a landlord, how to win successfully in court, and most importantly, how to collect your money when you win! Apply to work with Becky Nova at Lady-Landlords.com/roadmap
May 10, 2022
Tips from a Mortgage Lender with Brad Dixon
In this episode, Lady Landlords founder, Becky Nova, interviews mortgage lender, Brad Dixon, about how to find the right lender for you, what you need to be prepared for, and what rising interest rates mean to you! For Mortgages in NY, CT and Florida, Contact Brad Dixon here. To work with Becky Nova, apply here.
May 03, 2022
HELOC vs Cash out Refinance: Which is right for you
In this episode, Lady Landlords founder, Becky Nova, explains the difference and the right way to use a HELOC and a Cash out Refi. Want to work with Becky Nova? Apply here!
April 26, 2022
Special: Should you Buy or Should you Wait?
In this episode, Lady Landlords Founder, Becky Nova, provides an update on market conditions that can help you decide to buy property now...or wait to see what Summer holds for the Real Estate Market. Apply to work with Becky Nova here.
April 19, 2022
How to NOT Overleverage yourself while investing!
In this episode, learn what your Risk Tolerance is and how to invest accordingly. Apply to work with Becky Nova here.
April 12, 2022
Protecting your Assets with Real Estate Attorney Jay Zimner
In this episode of the Lady Landlords Podcast, Founder Becky Nova, interviews her personal Real Estate Attorney, Jay Zimner, about how find the right attorney for you, handle uncomfortable tenant situations, and what to expect from the eviction moratoriums. Contact Jay Zimner here: Lady-Landlords.com/Our-Partners Apply to work with Becky Nova here: https://marvelous-architect-3095.ck.page/cf67fd7132
April 05, 2022
My Tenant Horror Stories that can help you!
Listen in as Lady Landlords founder, Becky Nova, shares her personal Tenant Horror Stories and how you can avoid them! Take the Lady Landlords Tenant Management Certification Program here: https://marvelous-architect-3095.ck.page/ecdbc4efb2
March 29, 2022
Member Spotlight: The Do's and Don't to College Rentals with Pam Aulson
In this episode, listen in as Lady Landlords founder, Becky Nova, interviews one of our members on how to successfully rent to college students. =Apply to work with Becky Nova here: https://forms.gle/8i9X6inANzDFi8536 Take the Lady Landlords Tenant Management Certification Course here: https://marvelous-architect-3095.ck.page/ecdbc4efb2
March 22, 2022
The 7 Deadly Sins in Real Estate Investing
Learn all about your Fair Housing Act Guidelines with Lady Landlords Founder, Becky Nova. Apply to work with Becky Nova here: https://marvelous-architect-3095.ck.page/cf67fd7132
March 15, 2022
Best Rent Collection Practices with Carlton Van Putten of PayRent
In this episode, listen in as Lady Landlords Founder, Becky Nova, interviews PayRent Founder, Carlton Van Putten on the steps you should take to collect rent. Try PayRent here: https://www.payrent.com/?ref=ladylandlords1 Apply to work with Becky Nova here: https://marvelous-architect-3095.ck.page/cf67fd7132
March 08, 2022
My Favorite Tenant Management Systems
In this episode, Lady Landlords Founder, Becky Nova, shares her favorite Tenant Management Systems to save you time and money! Take the Tenant Management Certification Program Here! System Links: Tenant Screening and Applications Leases and Forms Rent Collection
March 01, 2022
Investing to do Good in the World with Barbara Mellen
In this episode, learn how Barbara is using Real Estate Investing to fund her dream of helping others. Want to work with Lady Landlords Founder, Becky Nova? Apply here: https://marvelous-architect-3095.ck.page/cf67fd7132
February 22, 2022
Creative Financing Strategies!
In this episode, listen in as Lady Landlords Founder, Becky Nova, shares ways to use capital you forgot about to fund your next deal. Apply here to work with Becky Nova: https://marvelous-architect-3095.ck.page/cf67fd7132
February 15, 2022
Improving your Financial Forecast with Frank Schursky
In this week's episode, Lady landlords Founder, Becky Nova, interviews her personal Financial Advisor, Frank Schursky, on how to find the right Financial Advisor for you and the strategies that every Real Estate Investor MUST know! Schedule a call with Frank here: Lady-Landlords.com/our-partners Work with Becky Nova here: https://marvelous-architect-3095.ck.page/cf67fd7132
February 08, 2022
How to Avoid the Biggest Mistake New Investors Make
In this episode, learn how to avoid the #1 Mistake that new Investors make. Want to work with Becky Nova? Apply here: https://marvelous-architect-3095.ck.page/cf67fd7132
February 01, 2022
Member Spotlight: Getting the Help you need to take Massive Action with Krista Moulds
In this episode, listen in as Lady Landlords Founder, Becky Nova, interviews member, Krista Moulds, on how focused on getting the answers she needed to build her portfolio. Apply to work with Becky Nova here: https://marvelous-architect-3095.ck.page/cf67fd7132
January 25, 2022
3 REI Resolutions you can keep in 2022!
In this episode, learn how to reset expectations and not get discouraged if you aren't following through on your New Years Resolutions. Join the Lady Landlords Beginner's Group Coaching Program here: https://marvelous-architect-3095.ck.page/88592606e2
January 18, 2022
Non-Traditional Lending Options with Timothy Hero
Listen in as Lady Landlords Founder, Becky Nova, interviews Mortgage Broker, Timothy Hero, who specialized in non-traditional lending. Set up a call with Timothy here: Lady Landlords.com/our-partners Want to work with Becky Nova? Apply here: https://marvelous-architect-3095.ck.page/cf67fd7132
January 11, 2022
How Lady Landlords can help you in 2022
Listen in to hear what you can expect from Lady Landlords in 2022 from founder, Becky Nova. Read our Blog: lady-landlords.com/blog Learn more about our On Demand Courses: Lady-landlords.com/training Apply to work with Becky Nova: https://marvelous-architect-3095.ck.page/cf67fd7132
January 04, 2022
My Predictions for the 2022 Real Estate Market
Listen in to this week's episode as Lady Landlords Founder, Becky Nova, shares her predictions for what will happen in the Rental Market in 2022. To work with Becky Nova, apply here: https://marvelous-architect-3095.ck.page/cf67fd7132
December 28, 2021
Member Spotlight: Getting Creative with Short Term Rentals with Bridgette
In this episode, hear how Bridgette was able to creatively hack the STR Rental Market. For help growing your Portfolio, join the Lady landlords Mentorship Program: https://marvelous-architect-3095.ck.page/cf67fd7132
December 21, 2021
3 Lessons I learned from my Portfolio Growth this year that can help you.
In this episode, I share the 3 lessons I learned about Growth in 2021 that will able you grow smarter in 2022. Join our Goal Setting Workshop here: https://llgsw2021.eventbrite.com Join the Lady Landlords Mentorship Program here: https://marvelous-architect-3095.ck.page/cf67fd7132
December 14, 2021
Making 2022 your Best Year Yet with Business Coach, Alina Bonn!
Listen in as Lady Landlords Founder, Becky Nova, interviews Business Coach, Alina Bonn, on how to plan out your dreams and goals to reach the success you are looking for. Reach out to Alina Bonn directly here: https://www.agency94.com/ Join the Lady Landlords Goal Setting Workshop here: https://llgsw2021.eventbrite.com
December 07, 2021
Finding the Right Real Estate Mentor to grow your Portfolio
Listen in as Lady Landlords Founder, Becky Nova, shares how to decide if you should hire a mentor and how to find the right one for you. To work with Becky Nova herself, click here: https://marvelous-architect-3095.ck.page/cf67fd7132
November 30, 2021
Member Spotlight: Cat's AHA Moment that changed her view on Investment Properties
In this episode, Cat shares how she reframed her thoughts about Real Estate Investing and how that led to progress within her portfolio thanks to the Lady Landlords Roadmap Program. Learn more about the Roadmap Program here: https://marvelous-architect-3095.ck.page/cf67fd7132
November 23, 2021
Reflections on Successful Lady landlords in 2021
In this episode, we review the success of Lady Landlords members over this past year and how you can duplicate their efforts. Learn more about the programs mentioned at Lady-Landlords.com
November 16, 2021
How to work with a Home Inspector with Marc Anthony of Pro Home Inspectors
In this episode, learn the questions you should ask as an Investor when hiring a Homs Inspector. Also, learn what an Inspection Report really tells you! For Inspection needs in NY, CT and FL, contact Marc here: Lady-Landlords.com/our-partners To learn more about the Lady Landlords Mentorship, click here: https://marvelous-architect-3095.ck.page/cf67fd7132
November 09, 2021
3 Landlord Mistakes that will cost you Time & Money
Listen in to the Top 3 Mistakes I see Landlords make and how you can avoid them. Join out Tenant Management Certification Program here: https://marvelous-architect-3095.ck.page/e8090303b4
November 02, 2021
Member Spotlight: Making Management Decisions & Pivoting Strategies with Debrina Washington
Learn how Debrina bought properties site unseen across the countries with connections she made over the Internet! Join the Lady Landlords Tenant Management Certification Program to learn how to Self-Manage from Anywhere! https://marvelous-architect-3095.ck.page/88592606e2
October 26, 2021
3 Stages Needed to be Successful in Self-Management
Learn Best Practices of Managing your own Properties! Join the Waitlist for our Upcoming Tenant Management Course: https://marvelous-architect-3095.ck.page/0d52446189 Get your State Specific Lease here: https://www.ezlandlordforms.com/documents/?ref=ladylandlords Get your Tenant Screening Application here: https://www.naborly.com/lady-landlords
October 19, 2021
Using a Property Manager with Colin Douthit
Considering using a Property Manager to help with your rentals? Be sure to listen in to this episode to learn the right questions to vet a PM and how to have the best working relationship with yours! Get in touch with Colin here: https://www.linkedin.com/in/colindouthit/ Apply to work with Lady Landlords Founder, Becky Nova, here: https://marvelous-architect-3095.ck.page/cf67fd7132
October 12, 2021
What I wish I knew BEFORE I Grew my REI Portfolio
In this episode, I share what what I wish someone had told me about growing a Real Estate Portfolio for Cash Flow. Join our Group Coaching here: https://marvelous-architect-3095.ck.page/88592606e2
October 05, 2021
Member Spotlight: Libby shares how she is scaling to 39 Properties by 39!
Setting goals and crushing them is exactly what Libby is doing by building her portfolio one brick at a time. Listen in to get inspired on how you can do the same. Click here to Grow Your Portfolio with our Group Coaching Program starting October 11th: https://marvelous-architect-3095.ck.page/88592606e2
September 28, 2021
3 Strategies to Finding off Market Properties
In this episode, learn 3 strategies for Finding Off Market Properties from passive to active options. Links from the episode: Free PropStream Trial- Trial.propstreampro.com/ladylandlords FREE Finding Off Market Properties Workshop: https://marvelous-architect-3095.ck.page/bd003a4b77 Join our next Virtual Meetup: https://marvelous-architect-3095.ck.page/5b22307d52
September 21, 2021
How to use Leases & Checklists to Protect Yourself as a Landlord with Kevin of ezLandlords Forms
In this episode, Becky interviews President of ezLandlord Forms, Kevin Kiene, on the importance of using proper documentation with tenants. He provides tips on state and federal documents such as Leases, Move-in/out checklists, and eviction notices. Get FREE forms here: https://www.ezlandlordforms.com/documents/?ref=ladylandlords Need help with your portfolio? Take the Lady Landlords Roadmap Program: https://marvelous-architect-3095.ck.page/cf67fd7132
September 14, 2021
The 3 Pieces of Advice I wish I was given as a Newbie Investor
Listen in to learn the 3 things Lady Landlords Founder, Becky Nova, wishes she knew when starting her Real Estate Investing career! Looking to purchase your First Property by the end of 2021? Join our Beginner's Group Coaching starting next week! https://beggcsept2021.eventbrite.com/
September 07, 2021
Member Spotlight: How Lady Landlords inspired Femi to buy 2 multi-families in 2 months!
In this episode, learn how Femi went from being a newbie to the owner of 4 doors in just a matter of months after joining a Lady Landlords Virtual Meetup! Join the next Meetup here: https://marvelous-architect-3095.ck.page/5b22307d52 Learn more about the Lady Landlords Mentorship program here: https://marvelous-architect-3095.ck.page/cf67fd7132
August 31, 2021
How I went from never wanting to buy a home to having 10 in 2 years!
Here is a short glimpse into my story as to how I became a Real Estate Investor. I am the accidental Landlords that grew it into an income replacing portfolio in just two years! In the NY/CT area? Reach out to my Realtor here: Lady-landlords.com/our-partners And connect with me to learn more about our Mentorship Program: https://marvelous-architect-3095.ck.page/cf67fd7132
August 24, 2021
Buying your Next Rental with Realtor, Michael Tarallo of NY & CT
Listen in to this episode as realtor, Michael Tarallo, shares how he works with investors and what an investor can do to find the best realtor for their needs! Work with Michael in NY and CT here: Lady-landlords.com/our-partners Need help growing your portfolio? Join the Lady Landlords Mentorship program here: https://marvelous-architect-3095.ck.page/cf67fd7132
August 17, 2021
How I became an "Accidental Landlord"
I NEVER thought I would own my own property, let alone 10! Learn here how it all started! Need help growing your portfolio? Get the help you need here: https://marvelous-architect-3095.ck.page/cf67fd7132
August 10, 2021
Member Spotlight: How Josie bought her FIRST Rental Property in less than 5 months!
In this episode, Becky interviews Lady Landlords Member, Josie, on how she decided to take her first steps in Real Estate Investing and bought her first rental property in under 5 months! To take the same Beginner's Course Josie took, click the link here: https://www.lady-landlords.com/training/beginners-guide-to-real-estate-investing
August 03, 2021
Improving your Credit to get the best Real Estate Deals!
Learn how to improve your credit to get the best terms on all your loans! Join the Lady Landlords Mentorship program here: https://marvelous-architect-3095.ck.page/cf67fd7132
July 27, 2021
When you Need a Commercial Loan with Howie Mann
Learn when you need a Commercial Loan versus a Residential one. Today, Howie Mann walks us through what you need to have prepared and the best way to use these types of Loans. Reach out to Howie here: Lady-landlords.com/our-partners Become a Lady Landlords in 3 Easy Steps with a Personalized Real Estate Investment Roadmap Here: https://marvelous-architect-3095.ck.page/cf67fd7132
July 20, 2021
How to buy Real Estate Long Distance...or even out of the Country!
In this episode, Becky shares how she bought her property in the Dominican Republic. She walks you through how to buy out of the country and also how to buy out of State. Need help investing? Click here to learn more about the Lady Landlords Mentorship program: https://marvelous-architect-3095.ck.page/cf67fd7132
July 13, 2021
Growing your Portfolio with Turnkey Properties with Devon from Wealth Cap
Learn if Turnkey properties are right for you. Today, we discuss how to find the right turnkey provider for you and what you should expect from them. Click here to speak with Devon herself about Wealth Cap property options: https://wealthcapholdings.com/ladylandlords/ Looking for a mentor to help you grow your portfolio? Work with Beck Nova here: https://marvelous-architect-3095.ck.page/cf67fd7132
July 06, 2021
5 Tips for Saving and Budgeting for a Downpayment
Saving for a downpayment can be your first step to your Real Estate Investments. Here, we discuss the best ways to do that!
June 29, 2021
Building Generational Wealth from Church Pew to Multi-Millionaire with Taylor Welch
Work with Taylor and his Turnkey Provider, Wealth Cap: https://wealthcapholdings.com/ladylandlords/ Learn more about the Lady Landlords Roadmap here: https://marvelous-architect-3095.ck.page/cf67fd7132
June 22, 2021
What is Wholesaling and why it might be for you!
In this episode, Becky walks you through what wholesaling is and why it might be exactly what you need to start your journey as a Real Estate Investor.
June 15, 2021
The Secret to Cold Calling Sellers and Confidently Speaking to Family/Friends about Private Lending
In this episode, learn from Cold Calling Specialist, Jennifer of Prospecting Works, how to confidently reach out to potential sellers and your family and friends about being your Private Lender. Find more Information about the Lady Landlords Mentorship Program here: https://marvelous-architect-3095.ck.page/cf67fd7132
June 08, 2021
Getting Started in Real Estate Investing
Learn in this episode the 3 EASY steps you need to reach Real Estate Success! Need personalized help? Learn about our Roadmap Mentorship Program here: https://marvelous-architect-3095.ck.page/cf67fd
June 01, 2021
Using Technology to Find the Best Tenants with the Lowest Risk!
Listen to Dylan Lenz, Founder of Naborly, share how their technology helps predict which tenants will be the best bet for your rentals! Use Naborly.com/lady-landlords for discounted pricing! Only $20 charged to the tenant for their application and credit check!
May 25, 2021
5 things you can do with your time while waiting for that next deal
Learn about the Property Buying Life Cycle is and how you can take advantage of it. Learn more about the Lady Landlords Roadmap here: Lady-Landlords/Roadmap
May 18, 2021
How to do it all with Savannah Arroyo
Balancing Family, Full-Time work and Investing in Real Estate can be tough to do! Listen here for tips on how to do it all!
May 11, 2021
The ONE tool every Real Estate Investor needs to find Off Market Properties
Use this link for a FREE trial for Propstream: https://www.lady-landlords.com/our-partners Learn how Propstream software allows you to create deals anywhere in the US with the click of a button!
April 27, 2021
Tax Benefits for the Real Estate Investor
Learn about Roadmap Program here: https://marvelous-architect-3095.ck.page/cf67fd7132 Contact with my trusted Accountant here: Lady-landlords.com/our-partners
April 20, 2021
Member Spotlight: Kavell Taylor- How one call can change your life!
In this episode, an OG member of Lady Landlords, Kavell Taylor, shares her story of how she grew a successful real estate portfolio and has branched out into commercial real estate.
April 13, 2021
3 Tips for Self-Managing Long Distance
For many, buying long distance is a great option. Here are tips for how to manage that property for anywhere in the world!
April 06, 2021
Insurance Needs for Real Estate Investors with Rob Bowen of Patriotic Insurance Group
Listen in to expert, Rob Bowen of Patriotic Insurance Group, about the right types of Insurance a Real Estate Investor needs! Contact Rob at Lady-Landlords.com/Our-Partners to ask if you have the right coverage!
March 30, 2021
The Ultimate Debate! Do you really need an LLC?
In this episode, Becky walks you through the benefits of using an LLC for your rental properties and discusses whether an Umbrella policy is enough to protect you.
March 23, 2021
Hard Money Lending Myths Busted with Michael Haberman of Rock East Funding
Get all your questions about what using a Hard Money Lender for Real Estate Investing here! Michael Haberman walks us through everything you need to do to find a legit lender and how the process works! Contact him for your lending needs at Lady-Landlords.com/Our-Partners
March 16, 2021
Assessing the Short Term Rental Market
In this episode, Lady Landlords Founder, Becky Nova, walks you through how to assess the current Short Term Rental Market. She does this while looking for her next property in the Dominican Republic and her own personal observations on international travel as well as domestic STRs.
March 09, 2021
Member Spotlight: Julie Roelfs Gattenby- From Property Manager to Buy and Hold Investor
In this episode, learn how Lady Landlords Member went from running a Property Management Biz to becoming a Landlord herself!
March 02, 2021
Must have Topics to include in your Lease!
In this episode, Founder, Becky Nova, walks you through all the important items that you need to have in your lease.
February 23, 2021
How to use Private Lending to Build your Portfolio!
Listen in as Lady Landlords member, Hillary Romero, shares her tips on how to grow a portfolio based on using Other People's Money through a network of Private Lenders.
February 16, 2021
Tips for the Best Tenant Screening Process
In this episode, learn the exact steps you need to take to screen for quality tenants in the most effective way! I use Naborly for my tenant screening. They charge the tenant and take care of all the screening. They even give you a score letting you know where the prospective tenant stands! They even give a discount to those in Lady Landlords if you use this link: https://naborly.com/lady-landlords/
February 09, 2021
Member Spotlight: Grace Drew Willis
In this episode, learn from Mom, Investor, & CPA, Grace Drew Willis as shares her best bookkeeping and accounting tips! She is also a pro at flipping properties with creative financing. Listen in to see how she does it!
February 02, 2021
Buying Real Estate with No Money!
In this episode, learn how to use other people's money to fund your Real Estate Investments!
January 31, 2021
What is HouseHacking and why every beginner should consider it!
In this episode, learn a popular strategy that can help any Beginner get into the game of Real Estate!
January 31, 2021
How to Build your Real Estate Investing Team
In today's episode, learn how to identify the connections you need and how to find the right people to work with in order to be successful in Real Estate Investing.
January 31, 2021
How I got Started in Real Estate Investing
Learn how Founder, Becky Nova, got started in Real Estate Investing through Househacking and started her journey to Financial Freedom!
January 30, 2021
Welcome to the Lady Landlords Podcast!
Start here! Learn about Founder, Becky Nova, and what Lady Landlords is all about!
January 28, 2021