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DNVR BLACK FRIDAY! UP TO 75% OFF! https://store.allcitynetwork.com/collections/dnvr-lockerThe Denver Nuggets fell in a hotly contested game with the LA Clippers, Jokic had a triple-double, and Aaron Gordon made his return to the lineup, but it wasn't enough to get the win on the road. What can we takeaway from tonight's loss? Norman Powell is officially a Nuggets' killer. Adam Mares, Duvalier Johnson, and D-Line Co. come to you LIVE from the DNVR Bar to break down everything you need to know in this postgame edition of the DNVR Nuggets Podcast!Start - 0:00Fast breakdown - 2:30Dev's big takeaway - 5:25D-Line's big takeaway - 6:45Adam's big takeaway - 8:05Michael Malone & Peyton's minutes - 21:00Flat energy to start games - 26:20Silver linings - 36:15Who's the next guy? - 39:20Free throws - 41:20Jokic - 42:40More optimism? - 50:00Superchats - 54:00An ALLCITY Network ProductionPARTY WITH US: https://thednvr.com/eventsALL THINGS DNVR: https://linktr.ee/dnvrsportsMERCH: https://store.allcitynetwork.com/collections/dnvr-lockerSUBSCRIBE: https://www.youtube.com/c/DNVR_SportsBUY GOLDEN ERA: https://www.triumphbooks.com/golden-era-products-9781637273692.php?page_id=21bet365: Go to https://www.bet365.com/olp/open-account?affiliate=365_02162536 or use code DNVR365 when you sign up. All new customers receive 2 months of Altitude+ courtesy of bet365! Must be 21+ and physically located in CO.  Please gamble responsibly. If you or someone you know has a gambling problem and wants help call or TEXT 1-800-GAMBLEREmpire Today: Schedule a free in-home estimate today! All listeners can receive a $350 OFF discount when they use the promo code DNVR. Restrictions apply. See https://empiretoday.com/dnvr for detailsGo to https://millerlite.com/dnvr to find delivery options near you. Or you can pick up some Miller Lite pretty much anywhere they sell beer. Tastes like Miller Time. Celebrate Responsibly. Miller Brewing Company, Milwaukee, Wisconsin.Visit Premier Members Credit Union to learn about their Reverse Tier Money Market https://www.pmcu.org/becomepremier/?utm_source=dnvr&utm_medium=banner&utm_campaign=nmdg&utm_content=nuggetsRugged Road: Gear up for your next adventure with Rugged Road Coolers - Your ultimate outdoor companion! Head to http://ruggedroadoutdoors.pxf.io/ALLCITY and use code DNVR for 10% off!Download the Circle K app and join the Inner Circle or visit https://www.circlek.com/inner-circle!Download the Gametime app, create an account, and use code DNVR for $20 off your first purchase. Terms apply.Bluechew: Try BlueChew FREE when you use our promo code ALLCITY at checkout--just pay $5 shipping. That's https://bluechew.com promo code ALLCITY to receive your first month FREE. Visit for more details and important safety information, and we thank BlueChew for sponsoring the podcast.Check out FOCO merch and collectibles here https://foco.vegb.net/DNVRNugs and use promo code “DNVR10” for 10% off your order on all non Pre Order items.Exclusively for our listeners, Shady Rays is giving out their best deal of the season. Head to https://shadyrays.com and use code: DNVR for 35% off polarized sunglasses. Try for yourself the shades rated 5 stars by over 300,000 people.Birdcall: Right now, DNVR fans can score 20% off at Birdcall with promo code “DNVR”! Get down to Birdcall or order online at https://eatbirdcall.com and grab this offer now through the end of the month. Offer valid for any order of $10 or more. Limit 1 per guest per day. Not valid on catering orders or through 3rd party delivery sites.This episode is brought to you by BetterHelp. Give online therapy a try at https://betterhelp.com/dnvr today to get 10% off your first month and get on your way to being your best self.Get 10 FREE meals at https://hellofresh.com/freenuggets. Applied across 7 boxes, new subscribers only, varies by plan.When you shop through links in the description, we may earn affiliate commissions.Copyright Disclaimer under section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, education and research. Fair use is a use permitted by copyright statute that might otherwise be infringing.#Nuglife

On this episode of Mean Streets, Chris Meaney (@chrismeaney) shares his favorite NHL Picks and NHL Props for the Stanley Cup Playoffs on Monday, May 20th.

Alex speaks with Pete Boettke about the relevancy of Friedrich Hayek in the contemporary context, what it means to be a "Hayekian" and the curious tale of how Hayek came to be the focus of his latest book "F. A. Hayek: Economics, Political Economy and Social Philosophy" Episode Notes Pete's book “F. A. Hayek: Economics, Political Economy and Social Philosophy“ https://a.co/d/ah7SpwW  Hayek on The Stanford Encyclopedia of Philosophy https://plato.stanford.edu/entries/friedrich-hayek/  Introduction to Hayek's “Road to Serfdom” https://mises.org/library/road-serfdom-0  Murray Rothbard's “Man, Economy and State” retrospective https://fee.org/articles/rothbards-man-economy-and-state-at-50/  Milton Friedman's “Free To Choose” https://www.proglocode.unam.mx/sites/proglocode.unam.mx/files/docencia/Milton%20y%20Rose%20Friedman%20-%20Free%20to%20Choose.pdf  Hayek “Prices and Production” https://mises.org/library/prices-and-production-and-other-works  Introduction to economics of Lucas https://www.econlib.org/library/Enc/bios/Lucas.html  Steve Horowitz on Hayek https://www.youtube.com/watch?v=K5dR0zgC1ZI  Herbert Dreyfuss “What Computers Can't Do” https://mitpress.mit.edu/9780262540674/what-computers-still-cant-do/  Horowitz quote on Hayek “we have to learn to live in two worlds at once” https://www.jstor.org/stable/41560288  Hayek's “The Fatal Conceit” https://press.uchicago.edu/ucp/books/book/chicago/F/bo3643985.html  Kenneth Boulding “After Samuelson, Who Needs Adam Smith?” https://read.dukeupress.edu/hope/article-abstract/3/2/225/12381/After-Samuelson-Who-Needs-Adam-Smith“The Extended Present” (concept) https://medium.com/extended-present/about  The “Grapes vs. Cucumbers as pay for Monkeys” experiment (youtube video) https://www.youtube.com/watch?v=meiU6TxysCg  The Constitution of Liberty - Hayek https://www.mises.at/static/literatur/Buch/hayek-the-constitution-of-liberty.pdf  Chandran Kukathas' Liberal Archipelago https://global.oup.com/academic/product/the-liberal-archipelago-9780199219209?cc=ca&lang=en&  Kind vs. Wicked learning environments. https://www.psychologytoday.com/ca/blog/experience-studio/202007/experience-kind-vs-wicked   

Demand for badly needed housing has triggered another ban on single-family zoning. Lawmakers in Arlington County, Virginia, approved a controversial plan to eliminate single-family exclusivity, and allow as many as six homes on one property. The decision came after a contentious three-year debate, and is part of a growing trend to dismantle the long-standing concept for single-family communities.    Hi, I'm Kathy Fettke and this is Real Estate News for Investors. Please remember to subscribe to this podcast and leave us a review.   The policy was unanimously approved by a five-member county board after a battle that included a so-called “Missing Middle Housing Study.” The missing middle is a phrase that refers to housing that falls between apartments and single-family homes. It covers several kinds of housing including townhomes, duplexes, and triplexes with more space than apartments. It could also include backyard cottages or in-law units which are more officially known as accessory dwelling units or ADUs.   Divisive Debate Over Single-Family Zoning Ban   As reported by the Washington Post, some Arlington County residents supported the idea, saying a ban on exclusive single-family neighborhoods would increase affordable housing options and diversify their communities. Other residents argued that it would lead to overcrowding, lower property values, and the destruction of their lifestyle and neighborhoods. (1)   Arlington County is a desirable part of the greater Washington, D.C. metro with a growing population and a growing demand for more housing. The county's board chair, Christian Dorsey, said the ban will help the county address population growth, and move past the “discriminatory noise” within zoning rules.   He says: “Growth and change are not good or bad, they just are.” And, he says: “It's our responsibility to make sure we accommodate that – to make sure that it works well for as many people as it possibly can.”   New Rules Among the Most Permissive in the Country   The new rules are some of the most permissive in the country. Contractors will be allowed to put up to five or six homes on lots that range in size from 6 to 7,000 square feet. Smaller lots will have a limit of 4 units. Height, lot coverage, floor area, and setbacks will remain the same.    According to Wikipedia, single-family zoning has been around since 1916, and began in the Elmwood neighborhood of Berkeley, California. The story goes that a real estate developer in the Elmwood district pushed for single-family zoning rules to prevent a dance company owned by a Black resident from moving into homes that he was trying to sell. He apparently pushed for single-family zoning with the help of other developers who were also trying to keep certain groups of people out of the neighborhood.   Growing Opposition to Single-Family Zoning   More than one hundred years later, the concept is now wavering under the weight of the housing crisis, and the idea of banning this kind of exclusive zoning is gaining momentum across the country. According to BisNow, at least three states and eight municipalities have passed bans on single-family-only zoning.   The city of Minneapolis was the first to implement a ban in 2018. The state of Oregon followed in 2019. Several cities in California banned that kind of zoning, but state lawmakers approved a bill in 2019 called Senate Bill 9. That legislation makes it legal to have two units on a single-family property, and in some cases, four units.   The state of Maine adopted a ban last year. The Washington State House of Representatives just recently passed a bill that would ban single-family zoning statewide, but it still needs approval from the state senate and the governor. (2)   The policy in Arlington, Virginia, goes into effect on July 1st and will be phased in over five years. During those first five years, only 58 permits a year will be approved. The cap will be lifted in 2028.   This kind of ban opens up opportunities for homeowners to be coincidental landlords if they build additional housing on their properties, and rent them out. You'll find links to the Washington Post story in the show notes at newsforinvestors.com.   Please remember to join RealWealth by clicking on the “join for free” button. As a member, you'll have greater access to investing opportunities in desirable rental markets across the country. That includes our investor portal, our market data, and our experienced investment counselors. You can also find out more about our spring real estate tours in metros that are popular among single-family rental investors, and our mastermind events to help get you on the path to long-term wealth.   If you haven't subscribed to the podcast, please do so! And leave us a review!   Thank you! And thanks for listening, Kathy Show Notes link:  https://www.newsforinvestors.com   Join link: https://join.realwealth.com/?utm_content=Real%20Estate%20News%20Podcast&utm_campaign=Join%20for%20Free&utm_term=Description%20Text%20Link   Subscribe link: https://podcasts.apple.com/us/podcast/real-estate-news-real-estate-investing-podcast/id1079952715   Links:   1 - https://www.washingtonpost.com/dc-md-va/2023/03/22/arlington-missing-middle-vote-zoning/   2 -  https://www.housingwire.com/articles/wa-house-passes-bill-that-would-ban-single-family-zoning/  

In this Real Estate News Brief for the week ending December 17th, 2022... the Fed's latest rate hike, a 2023 top market forecast, and where you can “live like a hobbit” on Airbnb.   Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.   Economic News   We begin with economic news from this past week. As I mentioned in an update a few days ago, the Fed hiked short-term rates once again. This time, it was a half point increase. The previous four increases were three quarters of a point. That brings the federal-funds rate up to a range of 4.25% to 4.5%. The Fed's effort to stop inflation is expected to go as high as 5.25%. Several Fed officials expect rates to go even higher. Fed Chief Jerome Powell says of the need for more rate hikes: “We're going into next year with higher inflation than we thought.” This is expected to increase the risk of a recession. (1)   The Fed's decision on rates came a day after the latest report on consumer prices. The Labor Department reported that the Consumer Price Index or CPI only rose .1% in November. That brings the annual rate of inflation down from 7.7% in October to 7.1% in November. When you omit prices for food and fuel, the core rate was up .2% to an annual rate of 6%. Digging in a little deeper, you'll see that some price categories are still seeing high inflation, such as rents. They were up .8% in November. The good news is that prices are not rising as fast as they were, but the Fed doesn't expect to get inflation down to pre-Covid levels of 2% until 2024 or 2025. (2)   CoreLogic released its latest report on home price growth, which shows that annual gains are down to 10.1%. That's the slowest annual gain since early 2021, although some metros are still seeing a high rate of growth. The states of Florida, South Carolina, Georgia and North Carolina are seeing the biggest home price gains right now. The city of Miami is at the top of the metro list with an annual gain of 22.6%. Tampa is a close second at 20%. (3)   The job market is holding up. As MarketWatch reports: “Layoffs have increased, but job losses remain small.” Initial claims were 20,000 lower last week to an 11-week low of 211,000. They've slowly risen from a 54-year low of 166,000 last spring. Continuing claims are also slowly rising. They were up by 1,000 last week, to 1.67 million. (4)   Mortgage Rates   Mortgage rates have been coming down a bit as the rate of inflation weakens. Freddie Mac says the average 30-year fixed-rate mortgage is down 2 basis points to 6.31%. The 15-year is down 13 points to 5.54%. It's not enough to boost demand however. Freddie says it remains “very weak.” (5)   In other news making headlines…   Where Are the Hot 2023 Housing Markets?   Realtor.com came out with a top ten list of housing markets for 2023, and it looks like the South to Southeast part of the country will be in the lead. Atlanta is at the top of the list. As the so-called “New York of the South, it has the highest potential for growth, according to the National Association of Realtors. It is also more affordable compared to similar cities. NAR says that 20% of Atlanta renters can afford to buy a median-priced home. That's higher than the national average. (6)   Raleigh, North Carolina is second on the list, followed by Dallas-Fort Worth, which is one of our preferred markets for single-family rentals. We also like Huntsville, Alabama; Jacksonville, Florida; and San Antonio, Texas which are 7th, 8th, and 9th on the list. We'll have a link to the complete list in the show notes.   The City where Building Permits Take Almost 2 Years!   If you've ever had to wait weeks or even months for a building permit, you probably weren't trying to build something in San Francisco. The Chronicle did a little research on permit-approval time and found that the typical waiting period was 627 days, or very close to “two years”! And that doesn't include the time it might take to deal with an earlier planning approval stage which can take up to a year or more.   According to Corey Smith of the Housing Action Coalition: “It just proves what we know: that San Francisco doesn't prioritize building new housing.” The report comes in the midst of a state review for the city's permitting process. The city's Department of Building Inspection also responded to the report saying that it is currently making changes that will speed up the process, but it won't be known for some time as to how much. (7)   The Airbnb That Lets You “Live Like a Hobbit”!   Airbnb is offering a unique stay at the original “Hobbiton” in New Zealand. That's where filming took place for “The Hobbit” and “Lord of the Rings.” It's been open for tours for years, but the owner of the property is opening it up for 3-night stays next March to celebrate the 10th anniversary of “The Hobbit: An Unexpected Journey.” Guests will be accommodated in one of 44 hobbit holes and experience life in The Shire. You must be at least 18 years of age, with a verified Airbnb profile, and lots of positive reviews to stay overnight. We'll have a link to that information and our other stories in the show notes.   That's it for today. Please remember to hit the subscribe button, and leave a review! It's also free to join RealWealth if you haven't done so already. We offer hundreds of articles, webinars, and podcasts on real estate investing. As a member, you'll also have access to our Investor Portal with data on specific markets, our experienced investment counselors, and our curated list of real estate professionals that can help you build a rental housing portfolio.   Thanks for listening. I'm Kathy Fettke.   Show Notes link:  https://www.newsforinvestors.com   Join link: https://join.realwealth.com/?utm_content=Real%20Estate%20News%20Podcast&utm_campaign=Join%20for%20Free&utm_term=Description%20Text%20Link   Subscribe link: https://podcasts.apple.com/us/podcast/real-estate-news-real-estate-investing-podcast/id1079952715   Links:   1 - https://www.marketwatch.com/story/fed-hikes-interest-rate-by-half-percentage-point-benchmark-rate-seen-topping-out-at-5-25-11671044699?mod=mw_latestnews   2 - https://www.marketwatch.com/story/coming-up-cpi-inflation-report-11670937380?mod=mw_latestnews   3 - https://www.scotsmanguide.com/browse/content/corelogic-home-price-growth-drops-near-single-digits-in-october   4 - https://www.marketwatch.com/story/jobless-claims-drop-to-11-week-low-of-211-000-in-early-december-11671111658?mod=economy-politics   5 - https://www.freddiemac.com/pmms   6 - https://www.nar.realtor/magazine/real-estate-news/10-housing-markets-expected-to-lead-the-nation-in-2023   7 - https://www.sfchronicle.com/sf/article/housing-permits-san-francisco-17652633.php   8 - https://news.airbnb.com/hobbiton/

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The Real Estate News Brief; Fed's Rate Hike Plan, Record Home Price Growth, Real Estate Career SurgeIn this Real Estate News Brief for the week ending May 7th, 2022... the Fed fights inflation with rate hike, home prices hit new record high, and the popularity of a career in real estate.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.Economic NewsWe begin with economic news from this past week, and words from the central bank that touched off a dramatic roller coaster of gains and losses on Wall Street. Fed Chief Jerome Powell sat down with the press for an hour on Wednesday after a decision by Fed officials to raise the Federal Funds rate by 50 basis points. Powell said that inflation is too high but essentially nixed the idea of a 75 basis point rate hike. He also suggested the possibility of two more 50-basis point rate hikes during the next two meetings. (1)His comments about shelving a more aggressive rate hike plan triggered a huge stock rally with the Dow gaining at least 900 points. But the exuberance didn't last long. Stocks fell harder on Thursday than they flew higher on Wednesday, and the losses continued on Friday. So there's still plenty of uncertainty about where our economy is headed. But Powell's comments were encouraging. Among his comments: “We need to do everything we can to restore stable prices as quickly and effectively as we can. We think we have a good chance to do it without a significant increase in unemployment or a really sharp slowdown.” (2)So how do the rate hikes affect consumers and investors? They are directly linked to higher rates for credit cards, student loans, car loans, and adjustable-rate mortgages. They will also influence mortgage rates, although they are not directly linked. On a positive note: higher mortgage rates along with high home prices are expected to result in a cooler and more normal housing market. But how high will mortgage rates go? Lending Tree's senior economic analyst, Jacob Channel, is predicting that the 30-year fixed-rate loan will hit 6% by the end of the year. (3) I think it will hit 7%.There were 200,000 initial jobless claims last week which was an increase of 19,000 from the week before. It was the biggest weekly increase since almost a year ago, but continuing claims decreased by the same amount, but they remain at their lowest level since early 1970, at 1.38 million. (4)U.S. companies also added almost a quarter million new jobs in April, but there are still far too few workers to fill all the open positions. In March, there were a record 11.5 million jobs that needed filling. The unemployment rate is currently at 3.6% which is slightly higher than a 54-year low. (5) (6)Construction spending was slow in March, because of a drop in non-residential spending. Money spent on all kinds of residential construction was up 1%. That's mostly due to a 1.3% increase in single-family home construction that was offset by a drop in spending on multi-families. (7) Mortgage RatesMortgage rates moved higher again this last week. Freddie Mac says the 30-year fixed-rate mortgage was up 17 basis points to 5.27%. That's the highest it's been since 2009. The 15-year was up 12 basis points to 4.52%. (8) The Mortgage Daily News says the average 30-year was even higher, at 5.55%. It also warned that home affordability is close to the worst it's ever been. At the start of the pandemic, 6% of U.S. housing markets were less affordable than long-term levels. That percentage is now up to 95%. (9) In other news making headlines…Home Price Growth Hits Record HighThe latest report from CoreLogic is out on home price growth in March. According to this report, it was up a record 20.9% year-over-year. If that number isn't impressive enough, CoreLogic says the March increase was the 122nd month in a row that home prices have gone up. (10)Chief economist Frank Nothaft says when you combine home price growth with higher interest rates, the monthly principal and interest payment on a home is now 50% higher than it was a year ago.Florida was at the top of the list for home price gains. They are up 31.4% year-over-year. Arizona was second followed by New York and Washington, D.C.People Switching to Real Estate CareersThe hot real estate market is attracting more than just home buyers. A lot of people are quitting their jobs for a career in real estate. According to the New York Times, there was a 60% increase in the number of people who started working in real estate during the pandemic - from 2020 to 2021. (11)Coldwell Banker Real Estate CEO Ryan Gorman says that many people are exploring self-employment options, and with real estate, the sky is the limit. He says: “They've realized they can get out of it what they put into it” and that could mean a six-figure paycheck. But those expectations could be unrealistic. As realtor.com reports, most real estate agents don't make six figures. In May of last year, the median was just over $48,000. That's it for today. Check the show notes for links. And please remember to hit the subscribe button, and leave a review!You can also join RealWealth for free at newsforinvestors.com. As a member, you have access to the Investor Portal where you can view sample property pro-formas and connect with our network of resources, including experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more.Thanks for listening. I'm Kathy Fettke...Show Notes link: https://www.newsforinvestors.comJoin link: https://join.realwealth.com/?utm_content=Real%20Estate%20News%20Podcast&utm_campaign=Join%20for%20Free&utm_term=Description%20Text%20LinkSubscribe link: https://podcasts.apple.com/us/podcast/real-estate-news-real-estate-investing-podcast/id1079952715Links:1 - https://www.marketwatch.com/story/why-powell-took-75-basis-point-rate-hike-off-the-table-and-other-takeaways-from-the-fed-press-conference-11651707052?mod=economy-politics2 - https://www.cnbc.com/2022/05/04/follow-the-latest-updates-as-the-federal-reserve-gets-set-to-hike-rates.html3 - https://magazine.realtor/daily-news/2022/05/05/fed-raises-rate-what-it-means-for-housing4 - https://www.marketwatch.com/story/u-s-jobless-claims-jump-in-latest-week-by-biggest-amount-since-last-july-11651754614?mod=economy-politics5 - https://www.marketwatch.com/story/coming-up-u-s-jobs-report-for-april-11651838865?mod=mw_latestnews6 - https://www.marketwatch.com/story/u-s-job-openings-rise-to-record-11-5-million-and-job-quitting-also-hits-all-time-high-11651587236?mod=economic-report7 - https://www.marketwatch.com/story/u-s-construction-spending-slowed-in-march-missing-expectations-271651501992?mod=search_headline8 - https://www.freddiemac.com/pmms9 - https://www.cnbc.com/2022/05/02/mortgage-rates-surge-as-home-affordability-nears-record-worst.html10 - https://www.housingwire.com/articles/corelogic-u-s-home-price-gains-hit-all-time-high-in-march/11 - https://magazine.realtor/daily-news/2022/05/03/great-resignation-leads-to-real-estate-rush12 - https://www.housingwire.com/articles/you-can-no-longer-get-a-mortgage-at-costco/

The Real Estate News Brief - Week Ending April 30, 2022; Growing Demand for ARMs, The 7-Year Foreclosure, Top Complaints about NeighborsIn this Real Estate News Brief for the week ending April 30th, 2022... you'll hear about the surging demand for adjustable-rate mortgages, the years it takes to foreclose in some states, and the top reasons people dislike their neighbors.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. Before we start, I want to let you know that we are hosting our first live event in over 2 1/2 years on May 21st in St Petersburg Florida. I'll be there giving my 2022 Housing Update, and we'll also have property teams from 10 different markets to update us on what's going on in their markets and share available income properties. We'll also have a tour of rental properties in St Pete on Sunday and then Jacksonville on Monday. Check it out at newsforinvestors.com Economic NewsWe begin with economic news from this past week, and more concerns about inflation. The Federal Reserve's preferred inflation index rose again in March to an annual rate of 6.6%. That's up from an annual rate of 6.4% in February. But there are signs that inflation may be hitting a peak because the core rate of inflation went down for the first time in a year. The core rate excludes food and energy and decreased from 5.3% to 5.2% in March. The Fed believes the PCE is more accurate than the consumer price index or CPI because it's more comprehensive. (1)Despite all the worries about inflation, the job market is going strong. Initial claims were down 5,000 to just 180,000 last week. Continuing claims were also down to their lowest level since 1970, at approximately 1.41 million. (2)Rising mortgage rates are putting a damper on new home sales. The Census Bureau says that sales dropped 8.6% in March to an annual rate of 763,000. High prices are also discouraging buyers. The median price for a new home was $436,700 in March. That's about $77,000 more than it was in March of last year. (3)Pending home sales for existing homes were also down in March. The National Association of Realtors says they dipped 1.2%. It is predicting that sales will be down a total of 9% for the year. NAR's chief economist Lawrence Yun expects multiple offers to disappear, and calmer, more normal conditions to replace the homebuying frenzy we've been witnessing. (4)Because demand remains high for housing, home prices continue to rise. The S&P CoreLogic Case-Shiller 20-city index was up 2.4% in February. That brought the annual rate up to 20.2%. At a national level, annual home price growth rose to 19.8%. The Federal Housing Finance Agency reported similar results. It shows that home prices rose 19.4% year-over-year in February which was a 2.1% increase from January. (5)There are mixed reports on consumer sentiment. A survey on consumer confidence shows it dipped slightly in April because of inflation. But it also shows that consumers are still spending money on big-ticket items, despite the high prices. (6) Meantime, the University of Michigan's consumer sentiment index jumped higher by several points. Consumers are reportedly happy that gas prices have gone back down a bit, and are feeling more optimistic about the future. (7)Mortgage RatesMortgage rates didn't move much, but the average 30-year fixed-rate mortgage remains above the 5% level. Freddie Mac says it was down just one basis point to 5.1%. The 15-year was up 2 points to 4.4%. (8)In other news making headlines…ARMs In High Demand as Fixed Rates RiseMore home buyers are choosing adjustable-rate loans to keep mortgage payments lower at the beginning of their loan term. The Mortgage Bankers Association says demand for ARMs has “doubled” compared to three months agoThe interest rate for an ARM was 3.78% last week, according to Freddie Mac. The Mortgage Bankers Association says the average rate for a 5-year ARM was 4.28%. Both are lower than the 30-year fixed rate, and that's driving up demand. (9)The Lengthy Process of ForeclosureBuying a foreclosure might get you a great price on a home, but in some places, the length of time it takes to foreclose could eclipse any monetary value. ATTOM Data Solutions published a report on the states with the longest average times to foreclose, and the winner was Hawaii, at 2,578 days. That's a little longer than 7 years. Louisiana, is second on the list with an average of about 2,000 days or 5.5 years. Other states on the top ten list include Kentucky, Nevada, Connecticut, New York, Florida, New Jersey, Pennsylvania, and New Mexico. New Mexico was last on the list but foreclosures there still take more than 3.5 years. (10)At the other end of the spectrum are states with the fastest foreclosure process. Montana came out at the top of that list, at 133 days. Mississippi was second at 146 days, and West Virginia was third at 197 days.What's Up with the Neighbors?The last story I'd like to share with you is a report on the top reasons Americans don't like their neighbors. According to a Lending Tree survey, 28% of the participants said their neighbors “give off a weird vibe.” Other reasons include noise levels, rudeness, disruptive pets, being nosy, and unruly kids. Some people also said they don't like it when their neighbors have guests that park in front of their house, or their parking space. Smoking was listed by 11% of the people. 4% said they had issues with their neighbors' political views, and 3% said they were not happy that their neighbors were using their homes as short-term rentals. (11)It's interesting that so few people listed short-term rentals as a problem, given all the controversy about how much disruption they cause, or don't cause. Of course, it's often the case that people who are disgruntled about an issue will speak out more loudly than the ones who don't mind.That's it for today. Check the show notes for links. And please remember to hit the subscribe button, and leave a review!You can also join RealWealth for free at newsforinvestors.com. As a member, you have access to the Investor Portal where you can view sample property pro-formas and connect with our network of resources, including experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more.Thanks for listening. I'm Kathy Fettke...Show Notes link: https://www.newsforinvestors.comJoin link: https://join.realwealth.com/?utm_content=Real%20Estate%20News%20Podcast&utm_campaign=Join%20for%20Free&utm_term=Description%20Text%20LinkSubscribe link: https://podcasts.apple.com/us/podcast/real-estate-news-real-estate-investing-podcast/id1079952715Links:1 - https://www.marketwatch.com/story/coming-up-pce-inflation-index-and-consumer-spending-11651234498?mod=economy-politics2 - https://www.marketwatch.com/story/u-s-jobless-claims-fall-5-000-to-180-000-showing-momentum-continues-in-labor-market-11651149515?mod=home-page3 - https://www.marketwatch.com/story/new-homes-are-likely-a-viable-choice-for-fewer-first-time-home-buyers-new-home-sales-dip-as-affordability-worsens-11650982695?mod=economic-report4 - https://www.marketwatch.com/story/the-spring-housing-market-is-off-to-an-unpredictable-start-pending-home-sales-fall-amid-rising-mortgage-rates-11651068612?mod=search_headline5 - https://www.marketwatch.com/story/it-will-take-time-for-surging-mortgage-rates-to-rebalance-the-market-home-prices-are-still-skyrocketing-but-buyers-could-see-relief-soon-11650979422?mod=economic-report6 - https://www.marketwatch.com/story/consumer-confidence-slips-in-april-but-americans-arent-cutting-back-on-spending-11650982322?mod=economic-report7 - https://www.marketwatch.com/story/consumer-sentiment-jumps-in-april-on-lower-gas-prices-and-more-optimism-about-the-economy-11651241527?mod=economy-politics8 - https://www.freddiemac.com/pmms9 - https://magazine.realtor/daily-news/2022/04/28/demand-doubles-for-arms10 - https://magazine.realtor/daily-news/2022/04/26/where-foreclosures-could-take-years-to-process11 - https://magazine.realtor/daily-news/2022/04/27/why-75-of-americans-say-they-don-t-like-their-neighbor

Real Estate News - Construction Companies at Risk of Dangerous CyberattacksThere's growing concern about the possibility of a dangerous cyberattack on automated systems used by construction companies. These programs are used for things like the measuring and mixing of materials used to support large construction projects. Some companies are taking steps now to protect themselves from hackers but cybersecurity experts say the threat level is rising, and the safeguards are lagging behind other industries. (1)Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.White House Warning about CyberattacksJust a few weeks ago, the White House issued a warning about a possible Russian cyberattack linked to the Ukraine invasion. U.S. intelligence officials got together with more than a hundred infrastructure companies and industry groups to share classified information related to this threat. (2)Cyber security researchers from Mandiant say that so-called “threat actors” have developed a set of tools called “Incontroller.” They say these tools are “exceptionally rare and dangerous” because they can be used to shut down or sabotage industrial facilities. That includes turning off safety controllers at power plants, for example. Mandiant researchers can't pinpoint the source of this threat but they suggest that the activity is similar to what they say is Russia's “historic interest in industrial control systems.” A Dallas-based contractor that contracts with top-level government agencies promises to “make the world smarter, more connected and more sustainable” but is also increasing its emphasis on cybersecurity. Jacobs has clients like the U.S. Department of Defense, the U.S. Intelligence Community, NASA, the U.S. Department of Energy along with defense agencies for other countries and private sector companies involved with aerospace, automotive, energy, and telecommunications. Jacobs CEO Bob Pragada says: “There is not an infrastructure project right now with major agencies, in the U.S., the U.K., across the world, in Australia, where we don't have a cyber component that's with it.” And he says that's becoming a much bigger part of the business.Contractor's VulnerabilityLet's scale that risk down to the level of the contractor doing the work, in this case the pouring of concrete. Construction Dive explains that a concrete contractor uses automatic control systems to mix and lay the concrete. After the concrete hardens, automatic systems are also used to inspect the integrity of the finished product. These systems rely on internet- and cloud-based software which could make them vulnerable to an attack.One technology and cybersecurity consultant offered an example of a worst-case scenario. Jason Vigh told Construction Dive: “Take for instance the construction of a bridge, you have to have strength integrity. What if hackers change the systems that are actually being used to automate the project and (the bridge) collapses… all because the supply chain is compromised in the first place.” He says there's already a lot of security in place for the financial sector, but when it comes to manufacturing, cybersecurity is lagging.Precautions Needed for Construction CompaniesSo far, most cyberattacks in the construction industry have involved ransomware or access to customer data. A northern California concrete contractor, Ghilotti Bros reported a breach in December of last year. It says an unauthorized party gained temporary access to its systems and files. An energy company out of Oklahoma City also reported a data breach a few months ago, according to Construction Dive. Recently, a German company reported a cyberattack that impacted 40% of its wind turbines. Cybersecurity experts say that more precautions are being put into place, but it does require pro-active investment by companies and industries. Autodesk vice president of product development, Sameer Merchant says the money companies need to spend now to protect themselves will be “a much smaller price to pay than the price you pay if they are exposed to these attacks.”If you'd like to read more on this topic, you'll find links in the show notes at newsforinvestors.comAlso, please remember to hit the subscribe button, and leave a review!You can also join our real estate investor network for free at newsforinvestors.com. That gives you access to the Investor Portal where you'll find information on rental markets and sample property pro-formas. You can also connect with our experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more.Thanks for listening. I'm Kathy Fettke...Show Notes link: https://www.newsforinvestors.comJoin link: https://join.realwealth.com/?utm_content=Real%20Estate%20News%20Podcast&utm_campaign=Join%20for%20Free&utm_term=Description%20Text%20LinkSubscribe link: https://podcasts.apple.com/us/podcast/real-estate-news-real-estate-investing-podcast/id1079952715Links:1 - https://www.constructiondive.com/news/cybersecurity-experts-automation-materials-worst-case-scenario-hackers/621210/2 - https://www.cybersecuritydive.com/news/white-house-warns-russian-cyberattack-ukraine/620755/

Real Estate News Brief - Week Ending April 23rd, 2022Top Investor Concerns, Foreclosure Activity, 40-Year Loan OptionIn this Real Estate News Brief for the week ending April 23rd, 2022... the top concerns for investors, what's happening with foreclosures, and a new 40-year loan option for some borrowers.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.Economic NewsWe begin with economic news from this past week and growing concerns about inflation. Fed Chief Jerome Powell says: “It's absolutely essential to restore price stability.” He feels it's appropriate to move more quickly with interest rate hikes and says that a 50-basis point rate hike is on the table for the Fed's May meeting. He says: “Our goal is to use our tools to get demand and supply back in sync, so that inflation moves down and does so without a slowdown that amounts to a recession.” But he also warns that it will be a challenging process. Consumer inflation hit an annual rate of 8.5% in March. That's well above the central bank's 2% target. (1)Fannie Mae is predicting a recession by next year, due to the need for aggressive monetary policies to control inflation. But it says it will probably be a “moderate recession” and not like the Great Recession of 2008. It expects the strength of the housing market to help cushion the blow although the mortgage financing giant also expects the housing market to slow down somewhat due to high home prices and mortgage rates. The National Association of Realtors is predicting a 10% decrease in home sales for this year. (2)Unemployment claims remain near a 40-year low. They were down 2,000 from the week before to 184,000. The low numbers are the result of a strong labor market that has more job openings than unemployed workers to fill them. Continuing claims were also down. They dropped 58,000 to 1.42 million. That's the lowest they've been since 1970. (3)Home builders are increasing the number of homes they are starting despite rising inflation, higher mortgage rates and the labor shortage. But they are shifting their focus because of those issues, from single-family homes to multi-families. The Census Bureau says that home starts were up .3% in March to an annual rate of about 1.79 million. Permits were also .4% higher to an annual rate of about 1.87 million. (4)Home builder confidence is lower however because of rising mortgage rates and all the other things making new homes so much more expensive. The National Association of Home Builders says its monthly confidence index was down two points in April to a reading of 77. Even though it is hovering near its lowest level since last September, anything over 50 is considered positive. (5)Existing home sales were lower for a second month in a row. The National Association of Realtors says they were down 2.7% in March to a seasonally-adjusted annual rate of 5.77 million. If you compare sales to March of 2021, they were down 4.5%. (6)Mortgage RatesMortgage rates are now over 5%. Freddie Mac says the average 30-year fixed-rate mortgage was up 11 points last week, to 5.11%. The 15-year was up 21 points to 4.38%. (7)In other news making headlines…Top Concern for InvestorsInvestors are more concerned about inflation than they are about rising mortgage rates and access to capital. Real estate investor financing firm Kiavi conducted a survey which shows that 65% of the participants were concerned about inflation, 63% were concerned about higher interest rates, and 58% were concerned about access to capital. But that said, Kiavi says these worries are not keeping investors from moving forward on their investment plans. (8)CEO Michael Bourque says: “We're seeing our customers continue to identify smart investments and make good decisions. With over two-thirds of U.S. homes 30 years old or more real estate investors will continue to play an important role as they revitalize aged homes and make them move-in ready for millions of families across the country.”Foreclosure Activity on the RiseForeclosure activity is rising now that most of the pandemic-related moratoriums have been lifted. There was a 39% increase in foreclosure filings during the first quarter of this year. Compared to a year ago, they are up 139%. That's according to ATTOM Data Solutions. (9)The states with the highest level of foreclosure activity are California, Florida, Texas, Illinois, and Ohio. The metros where you'll find the greatest number of foreclosure starts are Chicago, New York, Los Angeles, Houston, and Philadelphia.FHA 40-Year Covid Loan Modification Option The Federal Housing Administration introduced a 40-year loan modification option for borrowers impacted by Covid. Loan servicers can offer this option immediately to help homeowners avoid foreclosure. In 90 days, it will be a requirement to offer the 40-year modification to help people lower their payments. (10)That's it for today. Check the show notes for links. And please remember to hit the subscribe button, and leave a review!You can also join RealWealth for free at newsforinvestors.com. As a member, you have access to the Investor Portal where you can view sample property pro-formas and connect with our network of resources, including experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more.Thanks for listening. I'm Kathy Fettke...Show Notes link: https://www.newsforinvestors.comJoin link: https://join.realwealth.com/?utm_content=Real%20Estate%20News%20Podcast&utm_campaign=Join%20for%20Free&utm_term=Description%20Text%20LinkSubscribe link: https://podcasts.apple.com/us/podcast/real-estate-news-real-estate-investing-podcast/id1079952715Links:1 - https://www.cnbc.com/2022/04/21/powell-says-taming-inflation-absolutely-essential-and-50-basis-point-hike-on-the-table-for-may.html2 - https://magazine.realtor/daily-news/2022/04/21/fannie-mae-predicts-moderate-recession3 - https://www.marketwatch.com/story/u-s-unemployment-claims-dip-to-184-000-and-stay-near-53-year-low-11650544616?mod=economy-politics4 - https://www.marketwatch.com/story/new-home-construction-improves-despite-high-inflation-and-rising-mortgage-rates-11650372876?mod=economic-report5 - https://www.marketwatch.com/story/home-builder-confidence-declines-in-the-face-of-rising-interest-rates-11650290417?mod=economy-politics6 - https://www.marketwatch.com/story/existing-home-sales-fall-for-second-consecutive-month-amid-rising-mortgage-rates-2022-04-20?mod=economy-politics7 - https://www.freddiemac.com/pmms8 - https://www.prnewswire.com/news-releases/kiavi-real-estate-investor-survey-reveals-inflation-pains-renovation-gains-and-need-for-technology-301525483.html 9 - https://magazine.realtor/daily-news/2022/04/21/foreclosure-activity-at-new-high-since-the-pandemic-began10 - https://www.housingwire.com/articles/fha-adds-40-year-loan-term-to-covid-19-arsenal/

Real Estate News Brief - Week Ending April 16, 2022;Inflation Hits 40-Year-High, Double-Digit Rent Growth, Rising Cost for New HomesIn this Real Estate News Brief for the week ending April 16th, 2022... the latest surge in consumer prices, where rents are growing the fastest, and the high cost of building new homes.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.Economic NewsWe begin with economic news from this past week, and another alarming report on inflation. The consumer price index jumped 1.2% last month to a 40-year high of 8.5%. The increase was mostly driven by higher prices for gas, food, and housing. If you eliminate gas and food you get a core rate of 6.5%. Some economists believe that inflation will ease up soon, when the price of oil stabilizes and some of the supply chain issues clear up. But other economists worry that we might continue to see prices going higher. (1)Wholesale prices are also surging. The producer price index was up 1.4% in March to an annual rate of 11.2%. That's the highest it's been in almost 40 years and likely a sign of continued inflation. Economist Kurt Rankin of PNC Financial Services says: “Producer prices are an early warning sign of what households can expect in terms of consumer price inflation.” (2)There was a slight rise in new jobless claims, but that's off a 54-year low just last week. The Labor Department reported an 18,000 increase in applications, to a total of 185,000. Meanwhile, the number of continuing claims went down 48,000 to a total of 1.48 million. (3)Mortgage RatesMortgage rates hit the 5% mark for the first time in more than 10 years. Freddie Mac says the average 30-year fixed-rate mortgage was up 28 basis points to exactly 5%. The 15-year was up 26 points to 4.17%. High home prices combined with higher mortgage rates are making it a lot harder for many Americans to become homeowners. (4)In other news making headlines…Rents Hit Double-Digits in Many AreasRents are also moving higher in step with home prices. Many landlords are playing catch-up with rent levels after the pandemic. Realtor.com says that average rents are up almost 20% since 2020. The research covered March of 2020 to March of this year. (5)Among the areas with the fastest rent growth are Miami; Riverside County, California; and Tampa, Florida. Orlando and Jacksonville are also both in the top 10 for rent growth.Realtor.com economist Daniel Hale says that rents are creating affordability issues for some renters. She also says there are signs that rent growth is slowing down but it's hard to predict if the trend will continue. She says: “The jury is still out on whether rent growth will hit single digits by the end of 2022.”Property Taxes Heading HigherHome values appear to be rising much faster than property tax, which suggests that tax assessors have some catching up to do. ATTOM Data Solutions says the average property tax on single-family homes rose 1.8% nationwide last year. That's the slowest pace of tax growth in five years. (6)ATTOM's Rick Sharga says it's surprising that property taxes have gone up more because home values are up 16% for last year. That likely means that homeowners can expect to see higher tax bills as homes are reassessed.Some areas have already increased property taxes. In Nashville, Tennessee, they went up an average of 27% last year. Milwaukee homeowners are paying about 18% more on property taxes. Baltimore and Grand Rapids, Michigan, are third and fourth for the highest recent tax increases. Surprisingly, tax rates actually went down in some areas including Houston, Dallas, and Austin, Texas.Prices Keep Rising for Building MaterialsThe cost of building a new home keeps going up, although lumber prices just came down a little. The National Association of Home Builders says building material prices have gone up 20.4% year-over-year and 33% from the beginning of the pandemic. (7)Additional costs have added 31% to the cost of a new home. Realtor.com reports the average sales price of a new home was $511,000 in February. Insider attributes the drop in lumber prices to improvements in the supply chain and a softening of demand for lumber. It says lumber prices have fallen 39% from a March high and are now 52% lower than they were in May of last year. That's when they peaked at $1,733 per one thousand board feet.That's it for today. Check the show notes for links. And please remember to hit the subscribe button, and leave a review!You can also join RealWealth for free at newsforinvestors.com. As a member, you have access to the Investor Portal where you can view sample property pro-formas and connect with our network of resources, including experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more. Thanks for listening. I'm Kathy Fettke...Show Notes link: https://www.newsforinvestors.comJoin link: https://join.realwealth.com/?utm_content=Real%20Estate%20News%20Podcast&utm_campaign=Join%20for%20Free&utm_term=Description%20Text%20LinkSubscribe link: https://podcasts.apple.com/us/podcast/real-estate-news-real-estate-investing-podcast/id107995271 Links:1 - https://www.marketwatch.com/story/coming-up-consumer-price-index-for-march-11649764935?mod=economy-politics2 - https://www.marketwatch.com/story/wholesale-prices-surge-1-4-and-point-to-high-u-s-inflation-through-the-spring-11649853503?mod=economic-report3 - https://www.marketwatch.com/story/jobless-claims-bounce-higher-after-hitting-54-year-low-in-prior-week-11649940054?mod=mw_latestnews4 - https://www.freddiemac.com/pmms5 - https://magazine.realtor/daily-news/2022/04/14/rent-jumps-by-nearly-20-in-2-years6 - https://www.attomdata.com/news/market-trends/home-sales-prices/attom-2021-property-tax-analysis/7 - https://magazine.realtor/daily-news/2022/04/14/building-materials-rise-but-lumber-prices-ease

Real Estate News Brief - Week Ending April 2, 2022Prices Move Higher, Fed Misstep Worries, Biden's Housing BudgetIn this Real Estate News Brief for the week ending April 2nd, 2022... consumer prices march higher, Wall Street worries about how the Fed will handle inflation, and Biden's budget proposal for housing.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.Economic NewsWe begin with economic news from this past week and more concerns about inflation. The core personal consumption expenditures price index increased 5.4% from a year ago. That's the largest year-over-year increase in 40 years. The PCE is considered more accurate than the consumer price index or CPI, and is the Fed's preferred inflation gauge. The core rate excludes prices for gas and food. If you include those, the PCE is 6.4%. (1)Consumers are spending a larger share of their paychecks because of those higher prices, but they are also splurging on things like hotels, restaurants, and vacations. Government data shows that consumer spending was up .2% in February. People are spending less on things that are harder to get, like new cars and trucks. (2) The unemployment rate dropped to 3.6% in March. That's close to a 50-year low of 3.5% which the U.S. hit right before the pandemic. The economy also added 431,000 jobs and wages moved higher as companies compete for too few workers. (3) Initial unemployment claims rose slightly last week, but continuing claims fell to their lowest level since 1969. The Labor Department reported that applications were up 14,000 to 202,000 for the week ending March 26th. The total number of claims dropped to 188,000, which is a 27,000 drop from the week before. (4)A lot of Americans are also quitting their jobs for better ones. The data shows that some 4.35 million workers quit in February. Before the pandemic, the average number of people quitting per month was less than three million. A labor shortage has given workers an advantage. Job openings were down slightly in February, but are still near a record high, at 11.27 million. (5)Builders are among those wrestling with the labor shortage. The National Association of Home Builders says construction hiring was up 5.2% but the industry still has about 381,000 open positions. That's significantly higher than a year ago, when the industry had 257,000 available jobs. The labor gap is making it tough to meet the current demand for housing. (6)The latest report on home prices from Case-Shiller shows a year-over-year increase of 19.1% for the 20-city index. The national index is slightly higher at 19.2%. The FHFA shows a slightly lower rate of home price growth at 18.2%. Homes are appreciating the fastest in Phoenix. The Case-Shiller index shows those prices are up 32.6%. (7)Construction spending was higher in February, but some of that increase is due to inflation. The Census Bureau reported a .8% increase in private sector spending while the producer price index for construction was up .7% in February. On an annual basis, spending has increased the most for single-family construction. It's up 20% while spending for multi-family construction is up 7.8%. (8)Mortgage Rates Mortgage rates moved higher again this last week. Freddie Mac says the average 30-year fixed-rate mortgage rose 25 basis points to 4.67%. The 15-year was up 20 points to 3.83%. (9)In other news making headlines...CNBC Poll on Economic RisksA new poll shows that Wall Street investors are more concerned about the Fed than they are about inflation. Investors told CNBC that the biggest threat to the economy is a misstep by central bank policymakers. (1)Forty-five percent of those polled listed that as their top concern. Another 33% listed inflation. Russian aggression was listed by 11%. Relations with China got 6% of worries. A new wave of Covid infections was last on the list, at just 4%. CNBC reports that “many notable investors are skeptical that the central bank will be able to engineer a soft landing even with a stronger economy.”Biden Budget & HousingPresident Biden is asking for a huge increase in funding to increase the supply of affordable housing. His proposal includes a 34% increase in spending to a total of about $50 billion dollars. That total includes $32 billion for the Housing Choice Voucher Program, which is also known as Section 8 subsidized housing for low-income, elderly, and disabled Americans. The rest of the funding would be distributed among several other programs that contribute to affordable housing. (11)The National Association of Realtor's chief advocacy officer, Shannon McGahn, says that NAR has been working with lawmakers on this proposal over this past year. She says: “Many changes will be made to this plan, but it is good news that the White House sees this issue for what it is—a crisis—and many in Congress on both sides of the aisle agree.”That's it for today. Check the show notes for links. And please remember to hit the subscribe button, and leave a review!You can also join RealWealth for free at newsforinvestors.com. As a member, you have access to the Investor Portal where you can view sample property pro-formas and connect with our network of resources, including experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more.Thanks for listening. I'm Kathy Fettke...Show Notes link: https://www.newsforinvestors.comJoin link: https://join.realwealth.com/?utm_content=Real%20Estate%20News%20Podcast&utm_campaign=Join%20for%20Free&utm_term=Description%20Text%20LinkSubscribe link: https://podcasts.apple.com/us/podcast/real-estate-news-real-estate-investing-podcast/id1079952715Links:1 - https://www.cnbc.com/2022/03/31/the-feds-preferred-inflation-gauge-rose-5point4percent-in-february-the-highest-since-1983.html2 - https://www.marketwatch.com/story/consumer-spending-rises-slightly-but-high-inflation-is-the-reason-why-11648730714?mod=economy-politics3 - https://www.marketwatch.com/story/coming-up-u-s-jobs-report-for-march-11648815349?mod=home-page4 - https://www.marketwatch.com/story/u-s-jobless-claims-rise-reversing-some-of-last-weeks-big-drop-11648730591?mod=economic-report5 - https://www.marketwatch.com/story/another-4-35-million-workers-quit-most-for-better-jobs-11648565695?mod=economic-report6 - https://eyeonhousing.org/2022/03/steady-number-of-open-construction-jobs/7 - https://www.marketwatch.com/story/home-prices-increase-at-one-of-the-fastest-rates-on-record-but-higher-mortgage-rates-should-slow-future-growth-11648559497?mod=economic-report8 - https://www.mortgagenewsdaily.com/news/04012022-construction-spending9 - https://www.freddiemac.com/pmms10 - https://www.cnbc.com/2022/03/30/investors-believe-the-biggest-threat-to-the-markets-now-is-a-fed-misstep-cnbc-survey-shows.html11 - https://magazine.realtor/daily-news/2022/03/29/big-ask-for-housing-in-biden-budget

New Construction-Related Theme Park is OPEN for Kids & Adults!A new theme park has opened in Texas that might help get kids, and adults, interested in the construction industry. It's called “Dig World” in Katy, Texas, just west of Houston near Interstate 10. It's designed to provide a real world experience with full-size construction machinery that you see at job sites.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.Dig World opened its doors on March 17th, and provides 3-and-a-half acres of construction-related activities. (1) According to Dig World, it's “designed to safely provide a hand-on experience for both children and adults in operating heavy equipment.” That includes: full-size Caterpillar Mini-Excavatprs, Skid Steers, and UTVs. What's a Skid Steer?Okay, I had to look a few of them up! Bigrentz defined a skid steer as “a small, versatile piece of construction equipment used primarily for digging. It's light and maneuverable, and its arms can attach to a range of tools for various construction and landscaping jobs.” (2) I would say they look kind of like a tractor but more industrial. Or maybe a trip to Dig World would clear up any confusion!What's a UTV?UTV stands for Utility Terrain Vehicle, as opposed to an All Terrain Vehicle. Nationwide.com says they are “built and used more for work than recreation. They are large, powerful, able to seat passengers side-by-side, and built with lots of storage space. They're commonly used to haul equipment and supplies in locations that make using a truck impractical or impossible.” (3) So you are basically driving an oversized ATV with room for your friends, and whatever else you need to take with you!Some of Dig World's other attractions include a gem mining station, a playground, and a turf field where visitors can play various games, like Cornhole. Founder, Jacob Robinson told Construction Dive that he was inspired to build the park by his sons who love dump trucks and other construction equipment. (4)He partnered with Texas A&M's Department of Construction Science to create this immersive learning experience. The park is also designed to sync up with the university's curriculum and host students on field trips.Park Safety FeaturesThe company has incorporated various safety features to ensure the public's safety. Dig World's website says: “We require seat belts to be engaged before any machine operation can occur. The speeds on drivable machines have been governed, and other equipment utilizes hydraulic limitations to reduce total movement.”Dig World isn't the only construction adventure park in the U.S. Construction Dive mentioned a few others including Diggerland USA in New Jersey, Dig This in Las Vegas and Extreme Sandbox in Minnesota and North Texas.But you may soon have access to several Dig World locations. The company says it plans to build ten parks throughout the nation over the next few years. It says the goal is to “create 10 million smiles along the way!”If you'd like to read more about Dig World, you'll find links in the show notes at newsforinvestors.comAlso, please remember to hit the subscribe button, and leave a review!You can also join our real estate investor network for free at newsforinvestors.com. That gives you access to the Investor Portal where you'll find information on rental markets and sample property pro-formas. You can also connect with our experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more.Thanks for listening. I'm Kathy Fettke...Show Notes link: https://www.newsforinvestors.comJoin link: https://join.realwealth.com/?utm_content=Real%20Estate%20News%20Podcast&utm_campaign=Join%20for%20Free&utm_term=Description%20Text%20LinkSubscribe link: https://podcasts.apple.com/us/podcast/real-estate-news-real-estate-investing-podcast/id1079952715Links:1 - https://www.prnewswire.com/news-releases/first-texas-construction-themed-amusement-park-dig-world-opens-in-katy-on-march-17th-301499549.html2 - https://www.bigrentz.com/blog/what-is-a-skid-steer3 - https://www.nationwide.com/lc/resources/powersports/articles/difference-between-atv-utv4 - https://www.constructiondive.com/news/dig-world-construction-equipment-machinery-amusement-park-opens-texas/620784/

Surprise Workforce Surge for Builders!The construction industry is reporting good news about the worker shortage. The Associated Builders and Contractors group says there's been a surge of workers returning to the industry, and the workforce size is almost what it was at the start of the pandemic. But even with that progress, the workforce gap is still an issue. (1)Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.The Labor Department says the industry added 60,000 jobs last month, in February. Nonresidential construction added about 29,000 of those jobs for an annual increase of 3.9%. Residential construction added about 31,000 jobs for an annual increase of 4.5%. That brings the total number of construction workers to 7.6 million but the industry still has many positions to fill. The unemployment rate for the construction industry is currently at 6.7%. That's almost twice the rate of unemployment for the population in general, which is running at 3.8%.State Data on Construction JobsIf you break the data down into states, the Associated General Contractors of America says that construction employment is ‘higher” than pre-pandemic levels in 29 states and “lower” in 21 states, plus Washington, D.C. According to that organization, some states are still reporting record low employment numbers for the construction industry. (2)The association's chief economist, Ken Simonson, says: “The scramble for workers is likely to drive wages and overtime costs even higher at the same time rising materials prices are cutting into already tight margins.”Although the worker shortage continues, the February numbers are a good sign. ABC's chief economist Anirban Basu says: “Bottom line: The U.S. economy is charging into the post-pandemic world with significant momentum, and nonresidential construction is part of that story.” He says there's evidence that “contractors have had a somewhat easier time filling available positions recently” and that “supply chain issues have improved slightly.”National Construction Workforce GapAgain, that kind of scenario will vary from state to state. And there is still a dire need for construction workers across the U.S. ABC estimates that the industry needs another 650,000 workers to help the industry catch up with housing market demand. But Basu believes that 2022 will be a strong year.Of course the impact of the Russian invasion of Ukraine is a big variable. That is pushing prices higher for some things, like gas, and causing new supply chain issues. Basu also points out that the government won't be spending as much money this year, despite plans for infrastructure upgrades.AGC of America CEO Stephen Sandherr says that construction firms will have to pass along additional costs and that developers “should not be punished for failing to foresee a Russian invasion, spiking oil prices and soaring inflation when preparing public works bids.”Rapid Workforce GrowthSo there are still headwinds from various directions but there are also signs of optimism. Basu says: “At the heart of America's economic momentum is rapid workforce growth, with more people re-entering the workforce to take advantage of higher wages and to better contend with rapidly rising prices.”If you'd like to read more on this topic, you'll find links in the show notes at newsforinvestors.comAlso, please remember to hit the subscribe button, and leave a review!You can also join our real estate investor network for free at newsforinvestors.com. That gives you access to the Investor Portal where you'll find information on rental markets and sample property pro-formas. You can also connect with our experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more.Thanks for listening. I'm Kathy Fettke...Show Notes link: https://www.newsforinvestors.comJoin link: https://join.realwealth.com/?utm_content=Real%20Estate%20News%20Podcast&utm_campaign=Join%20for%20Free&utm_term=Description%20Text%20LinkSubscribe link: https://podcasts.apple.com/us/podcast/real-estate-news-real-estate-investing-podcast/id1079952715Links:1 - https://www.abc.org/News-Media/News-Releases/entryid/19274/construction-employment-surges-in-february-to-near-pre-pandemic-levels-says-abc2 - https://www.agc.org/news/2022/03/14/construction-employment-remains-below-pre-pandemic-levels-21-states-and-dc-spiking-materials-price

The Real Estate News Brief - Week Ending March 26, 2022Fed's Next Rate Hike, Mortgage Rate Surge, Pet Who Sell HomesIn this Real Estate News Brief for the week ending March 26th, 2022... the Fed's next rate hike, the latest surge in mortgage rates, and why pets might help sell homes.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.Economic NewsWe begin with economic news from this past week. The Federal Reserve is ramping up for bigger rate hikes. Fed policymakers are saying that inflation is much too high, and that more aggressive action may be needed, including a 50 basis point rate hike in May. San Francisco Fed President Mary Daly said at an event last week: “With the labor market so strong, inflation, inflation, inflation is at the top of everyone's mind.” Fed Chief Jerome Powell also said the central bank may start reducing its $9 trillion balance sheet in May. The Fed's portfolio mushroomed in size with the purchase of Treasuries and mortgage-backed securities during the pandemic. (1) Unemployment applications have hit their lowest level since 1969. They were 28,000 lower last week than the week before for a total of just 187,000 initial claims. The number of people already getting benefits was also much lower. It was 67,000 lower for a total of 1.35 million claims. As reported by MarketWatch, that's the lowest level since the 1970's. (2)New home sales were down in February, despite higher inventory numbers. They were down 2% to an annual rate of 772,000. If you compare this February to a year ago, sales were down 6% while the supply of new homes increased to 6.3 months. That's the highest since 2008. So what's happening? Prices are getting too high for many first-time buyers. The average sales price for a new home that was sold in February was $511,000 while the median was $400,600. Realtor.com's chief economist Danielle Hale says: “A new home is not an option for many first-time homebuyers even before the impact of higher mortgage rates is considered.” (3) Pending home sales were also down in February. They were down 4.1% according to the National Association of Realtors thanks to lack of affordable inventory and rising mortgage rates. Realtor.com economist researcher, George Ratiu, says: “With mortgage rates moving toward 5%, we are seeing early signs of a shift in housing fundamentals, as many people looking for a home have hit a ceiling on their ability to afford one.” (4)Consumers don't see their economic situation improving much in the next year. The University of Michigan consumer sentiment index fell slightly to 59.4 which is close to an 11-year low. Americans are worried about Inflation and the war in Ukraine, although they are feeling confident about finding a job. (5)Mortgage RatesMortgage rates surged higher this last week. Freddie Mac says the average 30-year fixed-rate mortgage rose 26 basis points, to 4.42%. The 15-year was up 24 basis points to 3.63%. (6)In other news making headlines...Rents Taking Larger Share of PaychecksRenters are spending more of their paychecks on rent. According to the most recent rent report by realtor.com, Americans are generally spending 30% of their paychecks on rent, and in 14 out of 50 metros tracked, they are spending more. Realtor.com's chief economist, Danielle Hale says: “The general rule of thumb is to keep monthly housing costs to less than 30% of your income.” Anything above that, economists considered a debt-burden for households. (7)High rents are motivating some renters to become home-buyers, but high home prices and rising mortgage rates along with a lack of inventory is forcing many to keep renting.Homebuyers On the MoveThe number of people moving from one state to another is hitting a new high. Redfin.com says that 32.3% of its users planned to relocate during the first two months of the year. That's up from 26% in 2019. The data was pulled from a sample of about 2 million Redfin.com users who searched for homes in 111 metros, and looked at a minimum of 10 homes in specific areas. (8)Redfin says there are more people leaving the more expensive coastal areas for more affordable inland areas. The research also shows that people are looking to move to warmer locations. Miami, Phoenix, and Tampa have been attracting the most attention. Pets Help Sellers Sell HomesIf you are selling a home, you don't have to hide your pet. A new study from Quicken Loans shows that buyers are more than open to buying a home that has had pet living there. (9) 79% of the respondents said that seeing signs of a pet won't discourage them. Almost 20% said that it might even increase their desire to buy a particular home, so long as there aren't any visible signs of pet damage. Only about 1 in 10 said they might regret buying a home with a barking dog next door. That's it for today. Check the show notes for links. And please remember to hit the subscribe button, and leave a review!You can also join RealWealth for free at newsforinvestors.com. As a member, you have access to the Investor Portal where you can view sample property pro-formas and connect with our network of resources, including experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more. Thanks for listening. I'm Kathy Fettke...Show Notes link: https://www.newsforinvestors.comJoin link: https://join.realwealth.com/?utm_content=Real%20Estate%20News%20Podcast&utm_campaign=Join%20for%20Free&utm_term=Description%20Text%20LinkSubscribe link: https://podcasts.apple.com/us/podcast/real-estate-news-real-estate-investing-podcast/id1079952715 Links:1 - https://www.reuters.com/article/usa-fed-mester/fed-policymakers-march-toward-bigger-rate-hike-in-may-iduskcn2lk1ik2 - https://www.marketwatch.com/story/u-s-jobless-claims-fall-to-lowest-level-since-1969-11648125485?mod=bnbh_mwarticle3 - https://www.marketwatch.com/story/new-home-sales-slide-even-though-the-inventory-of-properties-for-sale-has-hit-the-highest-level-since-2008-11648044987?mod=economy-politics4 - https://www.marketwatch.com/story/pending-home-sales-decline-for-fourth-consecutive-month-underscoring-down-shift-in-housing-market-11648217352?mod=economic-report5 - https://www.marketwatch.com/story/high-u-s-inflation-leaves-consumer-sentiment-stuck-at-almost-11-year-low-11648217381?mod=economy-politics6 - https://www.freddiemac.com/pmms7 - https://magazine.realtor/daily-news/2022/03/23/rents-taking-a-bigger-bite-out-of-pay8 - https://magazine.realtor/daily-news/2022/03/24/buyers-moving-states-in-record-numbers9 - https://magazine.realtor/daily-news/2022/03/23/pets-may-attract-buyers-to-homes

Real Estate News for Investors- California Speculation ActNew 25% Capital Gains Tax on California Home Sales???The latest attempt to create affordable housing in California is sending shockwaves through the real estate industry. And it doesn't just impact investors. It's a wake-up call to any California resident who likes the freedom to move to a new home when the urge strikes them! This new effort involves legislation that would create a steep capital gains tax for anyone who sells their home within seven years of buying it. Hi I'm Kathy Fettke and this is the Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.Democratic Assemblymember Chris Ward of San Diego introduced the legislation. It's called the California Speculation Tax Act. Under this Act, the sale of a home within three years of its purchase would trigger a 25% capital gains tax. The tax would be reduced 5% for each subsequent year and disappear if the owner holds on to the property for at least seven years.Applies to All Residential Buyers/SellersThis would apply to any kind of residential property including single-family homes, condos, townhomes, multi-units, etc. And, it would apply to most individuals. First-time homebuyers would be exempt, but they would also get slapped with that tax if they buy and sell their second home in less than seven years. Active due military personnel are also exempt, along with the estate of a person who died within that seven-year timeline. There are a few other exceptions including multi-units that meet a 15% affordable housing requirement, properties with affordable deed restrictions, one-half of a subdivided property, properties that are exempt from transfer taxes, and commercial and mixed-use properties.Emergency Meeting on Flip Tax BillThe American Association of Private Lenders held an emergency meeting on March 17th with the law firm that represents the association, Geraci LLC, and Think Realty. Nema Daghbandan (neema dahg-ban-dun) of the association acknowledged that California has done some good things recently to create affordable housing. That includes laws that allow ADUs and the subdivision of single-family homes and/or properties. But he says this bill will not contribute to California's housing affordability goal. He claims: “There's no actual direct relationship as to how this will reduce the amount of people purchasing property or who isn't purchasing it. Because ultimately what will happen for people who buy and hold for short term, all they are going to do is instead purchase these properties, hold them as rental properties, and then jack up the rent on renters. That's all that's going to happen. It doesn't do anything to create housing stock.”Early Stage of the LegislationThe legislation is still in committee as a draft version, but real estate professionals say now is the time to speak up. They say the legislation is not only bad for California, but a bad precedent for other states. It's the kind of legislation that can grow legs if it's passed in one state. In fact, a similar bill was proposed and defeated in New York a few years ago, so there's some momentum for this kind of approach to the housing situation.The California bill began as a response to data from the California Association of Realtors. It said that investors accounted for 51% of residential sales in the third quarter of last year, while the national average was only 19%. That spooked lawmakers who quickly churned out this legislation.Their hope? To keep investors from outbidding regular folks who are buying homes for their personal use. But that's wrongheaded at best, and really bad for anyone who buys a home in California, whether they are an investor or not.It Won't Create More HousingWhat will this legislation really do? The California real estate insiders say it won't put more homes on the market. Instead, it will shrink the inventory of homes because homeowners who want to sell will be forced to rent their homes until the seven years are up.If this becomes law, it will also contribute only 30% of the funds to the creation of affordable housing. Another 20% will be given to schools, 40% to infrastructure, and about 10% for the administration of the program. Plus, the money would go to the taxpayer's county and not the county where the property was sold.Will it discourage investors? Likely, yes, but with bad results for California. Investors help create housing by renovating homes which improve neighborhoods and communities. That also helps local governments meet state mandates for the creation of new housing, which, critics say, they can't do without the help of the private sector.Why Defeat this Bill?Five important reasons to defeat this bill include:1 - It does not create affordable housing or reduce home prices.2 - It would discourage people from moving to avoid the tax (and stifle the market).3 - It would only contribute 30% of the funds toward the creation of affordable housing.4 - It would contribute the rest of the money to the taxpayer's county and not the county where the property was sold.5 - It would apply to all homeowners even though it is meant to discourage investors.If you'd like to find out what you can do to voice your opinion about this you'll find a link in the show notes at newsforinvestors.com. Also, please remember to hit the subscribe button, and leave a review!You can also join our real estate investor network for free at newsforinvestors.com. That gives you access to the Investor Portal where you'll find information on rental markets and sample property pro-formas. You can also connect with our experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more.Thanks for listening. I'm Kathy Fettke...Show Notes link: https://www.newsforinvestors.comJoin link: https://join.realwealth.com/?utm_content=Real%20Estate%20News%20Podcast&utm_campaign=Join%20for%20Free&utm_term=Description%20Text%20LinkSubscribe link: https://podcasts.apple.com/us/podcast/real-estate-news-real-estate-investing-podcast/id1079952715Links:https://aaplonline.com/articles/advocacy/ca-flip-tax/

In this Real Estate News Brief for the week ending March 19th, 2022... we check on the Fed's rate hike, look at a range of inflation projections, and get the latest update on single-family rent growth.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.Economic NewsWe begin with economic news from this past week, and the first interest rate hike in four years. The Federal Reserve has said that a quarter point rate hike was likely at its March meeting to control inflation, and that's exactly what committee members approved. That puts the overnight lending rate between a quarter and a half point. The Fed warned that another six rate hikes are likely this year and that half point moves are a possibility. Fed Chief Jerome Powell says: “I guess I would say the expectation still is that inflation will come down in the second half of this year, but we still expect inflation to be high this year.” (1)The Fed is expecting inflation will average 4.3% for the year. Inflation is currently running at 7.9%. If you remove food and energy from the calculation, the Consumer Price Index or CPI is 6.4%. The Russian war on Ukraine is expected to push prices even higher. (2) A survey by the New York Federal Reserve shows that many Americans believe that inflation will be running a lot higher than the Fed is predicting – at about 6% for the year. MarketWatch also reports that some analysts are forecasting even higher rates of about 9% by next spring. (3)The latest report on wholesale inflation shows that wholesale prices rose .8% in February. That brings the wholesale rate of inflation up to 10%. But as MarketWatch reports, there is a “silver lining” in this data because the core rate of wholesale inflation, which excludes food and fuel, was only up .2% for the month. On the other hand, economists say we haven't yet seen the war's impact on commodity prices. An Oxford Economics economist told MarketWatch: “Inflation in the pipeline is showing few signs of decelerating in the near term, especially as the Russia-Ukraine war wreaks havoc in energy and other commodity markets.” (4)The latest unemployment report shows a dip in applications. They dropped to 214,000 which is a 2-and-a-half-month low. The total number of continuing claims is also lower, at 1.42 million. Companies are holding off on layoffs because of the labor shortage, and employees are enjoying more options when it comes to who they are going to work for. (5)Builders broke more ground on new homes in February. The government says that new home starts rose 6.8% in February. On an annual basis, they were up 22% compared to last February. Most of the increase was driven by single-family home construction with a 5.7% increase. There was a drop in permit applications however, for both single-family and multi-family projects. As MarketWatch reports, builders may be focusing more on the permits they already have than they are on getting new ones. (6)Existing home sales were down in February. The National Association of Realtors says they decreased 7.2% to a seasonally-adjusted annual rate of 6.02 million. NAR'S chief economist, Lawrence Yun, says: “Housing affordability continues to be a major challenge, as buyers are getting a double whammy – rising mortgage rates and sustained prices increases.” (7)Mortgage RatesAnd those mortgage rates did jump higher this last week. Freddie Mac says the average 30-year fixed-rate mortgage broke through the 4% mark for the first time since May, 2019. It was up 31 basis points to 4.16%. The 15-year was up 30 basis points to 3.39%. (8)In other news making headlines…Single-Family RentsSingle-family rents continue to run hot with rents in some metros rising four times faster than they did last year. The index shows that rental prices are up 12.6% on average compared to 2.6% last year. (9)CoreLogic offered an example saying that tenants with a $1500 a month rent might get a renewal letter that raises the rent to almost $2,100 a month. But again, that's where rents are rising the fastest. Miami tops that list with rents that are jumping 38.6% year-over-year. But rent growth is between 15 and 20% in many of the other largest U.S. metros, like Phoenix, Las Vegas, San Diego, Austin, Boston, Dallas, and Atlanta. Russians Unloading HomesWealthy Russians are pumping luxury homes back into the market, as they try to offload their U.S. assets. The New York Post cites several examples of new multi-million dollar listings by Russian owners, since the Russian invasion of Ukraine. (10)One of the areas where these homes are popping up is called “Little Moscow” in Sunny Isles Beach, Florida. Brokers say that their phones are “blowing up” with calls from panicked Russian homeowners. They want to know how much their properties are worth and they want to sell quickly to all-cash buyers. They say active listings in that area have suddenly surged about 9%.Best Time to List HomesOne thing in the sellers' favor right now, is “timing.” According to realtor.com, mid-April is the absolute best time to list your home – specifically, April 10th through the 16th. Realtor.com's researchers say that sellers who list in mid-April will get a head start on the competition. (11)That's it for today. Check the show notes for links. And please remember to hit the subscribe button, and leave a review!You can also join RealWealth for free at newsforinvestors.com. As a member, you have access to the Investor Portal where you can view sample property pro-formas and connect with our network of resources, including experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more.Thanks for listening. I'm Kathy Fettke...Show Notes link:https://www.newsforinvestors.comJoin link: https://join.realwealth.com/?utm_content=Real%20Estate%20News%20Podcast&utm_campaign=Join%20for%20Free&utm_term=Description%20Text%20LinkSubscribe link: https://podcasts.apple.com/us/podcast/real-estate-news-real-estate-investing-podcast/id1079952715Links:1 - https://www.marketwatch.com/story/fed-raises-rates-and-plots-strategy-of-steady-further-increases-11647453994?mod=newsviewer_click2 - https://www.marketwatch.com/story/u-s-inflation-rate-climbs-again-to-7-9-cpi-shows-and-ukraine-war-threatens-more-pain-for-consumers-11646919280?mod=article_inline3 - https://www.marketwatch.com/story/americans-think-inflation-will-top-6-a-year-from-now-11647270119?mod=economy-politics4 - https://www.marketwatch.com/story/u-s-wholesale-inflation-surges-again-and-jumps-10-in-past-year-11647348016?mod=mw_latestnews5 - https://www.marketwatch.com/story/u-s-unemployment-claims-drop-to-10-week-low-of-214-000-as-hiring-revs-up-11647520732?mod=bnbh_mwarticle6 - https://www.marketwatch.com/story/new-home-construction-activity-improves-as-builders-work-through-backlog-of-permits-11647521669?mod=mw_latestnews7 - https://www.marketwatch.com/story/buyers-are-getting-a-double-whammy-existing-home-sales-fall-as-affordability-concerns-mount-11647613098?mod=economy-politics8 - https://www.freddiemac.com/pmms9 - https://www.mortgagenewsdaily.com/news/03152022-rent-rent-price-growth-sfri10 - https://magazine.realtor/daily-news/2022/03/14/russians-unloading-luxury-homes-across-us11 - https://magazine.realtor/daily-news/2022/03/15/mid-april-the-best-time-to-list

In this Real Estate News Brief for the week ending November 6th, 2021… why it's a “banner year” for homeseller profits, how much an ADU will increase your home value, and which states are attracting the most newcomers.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.Economic NewsWe begin with economic news from this past week. The Federal Reserve has announced its “taper timetable.” The Fed is currently buying Treasurys and mortgage-backed securities at a rate of $120 billion a month an economic stimulus. It now plans to reduce that amount by $15 billion per month in November and December, with similar reductions expected next year. If there's no adjustment to the pace of reductions, the tapering process would be complete by mid-2022. Although the Fed believes the economy is strong enough to begin the taper, Fed chief Jerome Powell says: “We don't think it's time yet to raise interest rates.” (1)The jobless rate dipped again this last week. There were only 269,000 initial claims for state benefits and 2.1 million continuing claims. Altogether, 2.67 million people are collecting either state or federal benefits. Before the pandemic, there were just under 2 million people getting unemployment checks. (2)Construction spending was down slightly in September, compared to August. The census bureau says it was down about a half a percent, with a bigger drop for single-family homes. But compared to September of last year, it's up almost 20%. The National Association of Home Builders blames the dip on supply chain issues, higher material coasts, and the labor shortage. (3)That pullback isn't helping the inventory problem. HouseCanary says it dropped close to record lows in September. And it expects the situation to get worse as we head into the next year. Higher home prices are contributing to the problem as fewer less expensive homes are put up for sale. (4) According to the St. Louis Fed, the nation had 6.5 months of supply in August. That dropped to 5.7 months of supply in September. (6)Meanwhile, the homeownership rate hasn't changed over the last quarter. It's still at 65.4%, which is down from a high of 67.9% in the second quarter of last year. If you determine homeownership by age, it's highest for people over age 65 at about 80%. Regionally, the Midwest is the highest at about 71%. (7)Mortgage RatesMortgage rates are backing off a bit from a recent rise. Freddie Mac says the 30-year fixed-rate mortgage was down 5 basis points to 3.09%. The 15-year was down 2 points to 2.45%. (8)In other news making headlines…New High for Homeseller ProfitsHome sellers are realizing some big gains. ATTOM Data Solutions says they are getting almost 50% more than they paid for the home, or about $100,000. That's for a median-priced single-family home or condo. In the second quarter of this year, sellers typically gained about $89,000. (9)ATTOM's chief product officer, Todd Teta, says: “The third quarter of this year marked another period in a banner year for a housing market boom that's steaming ahead through its 10th year.” He says: “For now, the market engine seems to have nothing but high-octane gas in the tank.”ADUs Add Big Value to HomesADUs can also add a lot of value to your home. According to Porch.com. An accessory dwelling unit can add an average 35% onto the sale price. In some cities, such as Savannah, Georgia and Cleveland, Ohio, it can “double” the sale price. (10)They can also generate passive income as rentals, but they are not cheap to build. The Porch.com study says the average cost of an ADU is $180,000. There are about 1.4 million of them in the U.S., according to 2019 information.States Attracting the Most ResidentsA new study on resident migration shows that Florida is the top destination for people looking to move to another state. The LendingTree analysis looked at mortgage loan data for the last year-and-a-half to identify pandemic migration patterns. The researchers say: “The Sunshine State has a long history of bringing in visitors and new residents, particularly retirees, thanks to a mix of affordable housing, no state income tax, and sunny weather.” (11)The analysis also found that Texas has the highest number of people moving “within” the state. Oklahoma and Florida were close behind Texas, while New York had the highest number of people fleeing the state. That's it for today. Check the show notes for links. And please remember to hit the subscribe button, and leave a review!You can also join RealWealth for free at newsforinvestors.com. As a member, you have access to the Investor Portal where you can view sample property pro-formas and connect with our network of resources, including experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more.Thanks for listening. I'm Kathy Fettke.Link: for newsforinvestors.com - https://join.realwealth.com/?utm_content=Real%20Estate%20News%20Podcast&utm_campaign=Join%20for%20Free&utm_term=Description%20Text%20LinkLinks:1 -https://www.marketwatch.com/story/fed-slows-down-bond-buying-says-factors-boosting-inflation-are-expected-to-be-transitory-11635962420?mod=mw_latestnews2 -https://www.marketwatch.com/story/u-s-jobless-claims-drop-to-pandemic-low-of-269-000-as-firms-avoid-layoffs-during-labor-shortage-11636029426?mod=economic-report3 -http://www.mortgagenewsdaily.com/11022021_construction_spending.asp4 -https://dsnews.com/daily-dose/11-04-2021/october-saw-net-new-inventory-levels-drop-once-again5 -https://fred.stlouisfed.org/series/MSACSR6 -http://www.mortgagenewsdaily.com/11032021_homeownership.asp7 -http://www.mortgagenewsdaily.com/11032021_homeownership.asp8 -http://www.freddiemac.com/pmms/9 -https://magazine.realtor/daily-news/2021/11/04/home-sale-profit-margins-hit-10-year-high10 -https://magazine.realtor/daily-news/2021/11/04/study-adus-can-add-35-to-home-s-value11 -https://magazine.realtor/daily-news/2021/11/03/states-with-the-fewest-outgoing-residents

⚠️Disclaimer Alert: This episode is not for the closed minded.... Skip this one if you cant stand the HEAT⚠️

     Occasionally, we here at RotP get questions about how best to court our very own Tyler. Take notes, ladies, it's all in this weeks films.     A pair of 9 year olds set out on an odyssey across LA at night. Desperately trying to reach Staples Center for a survival contest that could improve their lives drastically. It is a night full of encounters and hidden motives. What becomes of these Concrete Kids?     Jack is an online blackjack player. He uses all his winnings on smoking fetish dom camgirls. His favorite is Scarlett. When Jack learns she might be much closer than he thought, schemes will be set in motion that will lead to the doom of all involved. Beware the lies you tell in PVT Chat.     All that and Kevin likes to watch, Tyler binges, and Dave tries to avoid the police. Join us, won't you?Episode 212- Olly Olly Fox Ain't Free

Release date: 10/05/20Free to listen on any platform. Let's Laugh About Death - The dramedy podcast that celebrates life while contemplating the inevitable with host Tim Rooney - of the popular Amazon Prime film series Haunted Saginaw. Today, my guest is Charlene Peters. I first contacted Charlene while attempting to reach out to someone else for the podcast. She responded to me informing me that that person was, in fact, a client of hers, however she told me that she has a much more interesting story. She unknowingly at one time knew a murderer.  You read that right, she had several conversations with a murderer not knowing what they were doing. It's a pretty fascinating conversation.  When asked the question of "What do you think happens when we die?", Charlene had a great concept about us living this life on Earth so that we can make connections with love and sharing that love now to build up an abundance of love when we pass on. That love then becomes our heaven. Therefore the lack of love we have here results in our hell. Pretty wild concept, almost like investing in your eternity like a love banking system.  If you would like to hire Charlene’s company "Peters Virtual Services" visit:http://peters-services.com/ Get this show for any platform including these:Apple Podcasts: https://tinyurl.com/y3qxhy37Google Podcasts: https://tinyurl.com/y6utm9ggSpotify: https://tinyurl.com/y3jgryovStitcher: https://tinyurl.com/y4qdlklgOr listen directly on the web at: llad.podbean.com Help me help others, if you like what you hear please share!Follow me on Instagram: https://www.instagram.com/letslaughaboutdeath/Like me on Facebook: https://www.facebook.com/letslaughaboutdeathLet me know how I'm doing, leave me a review (unfortunately, you will need an iPhone to do this):https://podcasts.apple.com/us/podcast/lets-laugh-about-death/id1466347188 www.letslaughaboutdeath.com#death #laughaboutdeath #afterlife #griefsucks #deathanddying #grievingwithhumor #happy  #existential  #author  #motivational #letslaughaboutdeath #love #abundance #murder

Each co-founder relationship is unique, but there are things any founder (including you) can do right from the start to ensure you are in agreement with your co-founder from the get-go on the important aspects of your working relationship. It's important to have purposeful conversations and the necessary written documents in place to start working together on a strong foundation of agreement.In today’s podcast, I'll share with you what you can do at the beginning of your relationship to help get you and your co-founder on the same (legal) page. In this episode, you will find out about:What a co-founders agreement is. (7:27)Why you need a written agreement with you co-founder(s). (8:50)What an agreement usually includes. (10:49)How to create an agreement. (21:47)Resources mentioned in this episode:Disclosure: The link(s) to the resource(s) mentioned in this podcast and its blog, Startup Advantage with Tania De Ridder, are NOT affiliated links, meaning that neither the podcast nor its host earns a commission or compensation if you decide to purchase or use the mentioned service(s) on this page. This is an independent podcaster and blogger and the referrals or reviews are done based on their own opinions.Send a voice message and let me know your answer to this month's question, 'Why did you (or do you want to) start your business?': https://www.startupadvantagepodcast.com/21Startup Advantage Eps 20 - How To Look For A Co-Founder: https://www.startupadvantagepodcast.com/20Free templates and examples - Canada: https://www.lawdepot.ca/contracts/groups/business/Free templates and examples - USA: https://www.lawdepot.com/contracts/groups/business/Free templates and examples - UK: https://www.lawdepot.co.uk/contracts/groups/business/ See acast.com/privacy for privacy and opt-out information.

Release date: 09/28/20Free to listen on any platform. Let's Laugh About Death - The dramedy podcast that celebrates life while contemplating the inevitable with host Tim Rooney - of the popular Amazon Prime film series Haunted Saginaw. Today, my guest is Gary Sinclair.  Gary is an avid mountain climber who started off his career in education, transitioned into ministry, and ultimately ended up in counseling.  His counseling is specializing in helping people with whatever they are struggling, what "mountain" they are needing to climb. He is an author, who has written several books related to this subject, one of which is entitled: "Never Quick Climbing- overcoming life's seemingly insurmountable mountains."When asked the question of "What do you think happens when we die?", Gary responded with an answer that I feel many people wonder about. In addition, he posed some great concepts as well as insightful questions to an unknown answer. One topic of discussion was that of pondering what happens during the first two minutes after we die.  To learn more about Gary, visit: www.neverquitclimbing.com Get this show for any platform including these:Apple Podcasts: https://tinyurl.com/y3qxhy37Google Podcasts: https://tinyurl.com/y6utm9ggSpotify: https://tinyurl.com/y3jgryovStitcher: https://tinyurl.com/y4qdlklgOr listen directly on the web at: llad.podbean.com Help me help others, if you like what you hear please share!Follow me on Instagram: https://www.instagram.com/letslaughaboutdeath/Like me on Facebook: https://www.facebook.com/letslaughaboutdeathLet me know how I'm doing, leave me a review (unfortunately, you will need an iPhone to do this):https://podcasts.apple.com/us/podcast/lets-laugh-about-death/id1466347188 www.letslaughaboutdeath.com#death #laughaboutdeath #afterlife #griefsucks #deathanddying #grievingwithhumor #happy  #existential  #author  #motivational #letslaughaboutdeath #overcomingobstacles #counseling #mountainclimbing

Release date: 09/14/20Free to listen on any platform. Let's Laugh About Death - The dramedy podcast that celebrates life while contemplating the inevitable with host Tim Rooney - of the popular Amazon Prime film series Haunted Saginaw. Today, my guest is Carl G. Moose. Carl is someone who studied directly under Bob Proctor (for those who don't know of Bob, he is one of the foremost advocates of the Law of Attraction.)  Carl is someone who helps people discover their focus to enable to laser in on what it is that they are meant to do to be successful in life.  He is the proprietor of "Find Your Focus". When asked the question of "What do you think happens when we die?", Carl describes his concept of the what comes next from three different points of view.  He has a degree in Geology, so from a physical level we discuss what happens on a molecular level. We also discuss from a intellectual level of what you leave behind that you will be remembered for,  as well as a spiritual level of how everything is  connected.  To contact Carl and find your focus visit: www.yourfocusguy.comHere is a link to a folder with a bunch of free materials provided by Carl:https://tinyurl.com/y62t4sw3 Get this show for any platform including these:Apple Podcasts: https://tinyurl.com/y3qxhy37Google Podcasts: https://tinyurl.com/y6utm9ggSpotify: https://tinyurl.com/y3jgryovStitcher: https://tinyurl.com/y4qdlklgOr listen directly on the web at: llad.podbean.com Help me help others, if you like what you hear please share!Follow me on Instagram: https://www.instagram.com/letslaughaboutdeath/Like me on Facebook: https://www.facebook.com/letslaughaboutdeathLet me know how I'm doing, leave me a review (unfortunately, you will need an iPhone to do this):https://podcasts.apple.com/us/podcast/lets-laugh-about-death/id1466347188 www.letslaughaboutdeath.com#death #laughaboutdeath #afterlife #griefsucks #deathanddying #grievingwithhumor #happy  #existential  #author  #motivational #letslaughaboutdeath #Mindset #focus #laserfocus #overcome fear

Release date: 09/07/20Free to listen on any platform. Let's Laugh About Death - The dramedy podcast that celebrates life while contemplating the inevitable with host Tim Rooney - of the popular Amazon Prime film series Haunted Saginaw. Today, my guest is Amy Dix. Amy is an author, international speaker, and one of the most positive people I have ever spoken too. During this episode, we discuss how she dealt with the death of her mother and how she remained positive during the ordeal. We also get into the science of happiness, how happiness should be taught more in school, and how happiness is not a "destination" but a goal that you have to be activity working towards.  When asked the question of "What do you think happens when we die?", Amy said her mom always used to tell her "When I die, I want to come back as one of my dogs." Amy explained that she would like to think that maybe we come back as something where we get to be spoiled rotten.  Learn more about Amy at:http://amythespeaker.comhttp://thepositivelifeco.comhttp://www.Facebook.com/thepositivelifeco Get this show for any platform including these:Apple Podcasts: https://tinyurl.com/y3qxhy37Google Podcasts: https://tinyurl.com/y6utm9ggSpotify: https://tinyurl.com/y3jgryovStitcher: https://tinyurl.com/y4qdlklgOr listen directly on the web at: llad.podbean.com Help me help others, if you like what you hear please share!Follow me on Instagram: https://www.instagram.com/letslaughaboutdeath/Like me on Facebook: https://www.facebook.com/letslaughaboutdeathLet me know how I'm doing, leave me a review (unfortunately, you will need an iPhone to do this):https://podcasts.apple.com/us/podcast/lets-laugh-about-death/id1466347188 www.letslaughaboutdeath.com#death #laughaboutdeath #afterlife #griefsucks #Hauntedsaginaw #deathanddying #LiveLifeHappy #amazonprime #grievingwithhumor #happy  #existential  #author  #motivational #letslaughaboutdeath #positivity

Release date: 08/24/20Free to listen on any platform. Let's Laugh About Death - The dramedy podcast that celebrates life while contemplating the inevitable with host Tim Rooney - of the popular Amazon Prime film series Haunted Saginaw. Today, my guests are TCM and Ciara Shepard.  TCM and Ciara are a success story! They went from being homeless to becoming self employed. Ciara has written a book about self love entitled: "Happy Victim: The Self Love Novel of Ciara". Our conversation takes place literally hours after the George Floyd murder and due to this our discussion covers all types of topics.  We discuss, of course, the reactions to George Floyd, Covid-19, some conspiracy theory dabbling, as well as the power of positive thought.  When asked the question of "What do you think happens when we die?", Ciara has a somewhat more traditional view of the afterlife where as TCM has an interesting description of what he believes happen. He describes it as whatever energy you had here in this life is what you bring to the afterlife.  Visit their website at: https://www.thecoolmillionaireclothingllc.com  Order her book "Happy Victim: The Self Love Novel of Ciara" on Amazon at:https://www.amazon.com/Happy-Victim-Self-Love-Novel-Ciara/dp/0578508516 Here is link to another book they have written:https://www.amazon.com/s?k=cool+magz+6X+mamba+out&ref=is_s This the link to the Jordan Peele "Deep Faked" Obama video we were discussing:https://www.youtube.com/watch?v=cQ54GDm1eL0  Get this show for any platform including these:Apple Podcasts: https://tinyurl.com/y3qxhy37Google Podcasts: https://tinyurl.com/y6utm9ggSpotify: https://tinyurl.com/y3jgryovStitcher: https://tinyurl.com/y4qdlklgOr listen directly on the web at: llad.podbean.com Help me help others, if you like what you hear please share!Follow me on Instagram: https://www.instagram.com/letslaughaboutdeath/Like me on Facebook: https://www.facebook.com/letslaughaboutdeathLet me know how I'm doing, leave me a review:https://podcasts.apple.com/us/podcast/lets-laugh-about-death/id1466347188 www.letslaughaboutdeath.com#death #laughaboutdeath #afterlife #griefsucks #Hauntedsaginaw #deathanddying #LiveLifeHappy #amazonprime #grievingwithhumor #happy  #existential  #covid19 #author  #Brandbuilding #georgefloyd #selflove 

Release date: 08/17/20Free to listen on any platform. Let's Laugh About Death - The dramedy podcast that celebrates life while contemplating the inevitable with host Tim Rooney - of the popular Amazon Prime film series Haunted Saginaw. Today, my guest is Tonya McKenzie. Tonya is a woman who despite witnessing a horrific murder at a very young age, managed to harness her strength to go on to become an Author, Community Activist, PR Consultant, and Leadership Trainer. During our conversation we discuss her life growing up in the California Bay Area, the topic of public relations, and her very large family. We literally laugh about death when discussing how her large family could almost be a reality show when it comes to funerals.  When asked the question of "what do you think happens when we die?", Tonya describes how she sometimes feels as if certain family members could be watching over her and other times they seem like they checked out for a while. But overall, we discuss her overcoming her fear of death due to having such a large family and having seen so many loved ones pass peacefully. She believes in focusing on the now and think about the legacy you are leaving behind.  To learn more about Tonya visit: www.TonyaMcKenzie.comHere is a link to the her PR and Brand consulting page: www.SandAndShores.comOrder her book "A Child's Memories of Cartoons & Murder" on Amazon at:https://www.amazon.com/Childs-Memories-Cartoons-Murder/dp/1939986192 Get this show for any platform including these:Apple Podcasts: https://tinyurl.com/y3qxhy37Google Podcasts: https://tinyurl.com/y6utm9ggSpotify: https://tinyurl.com/y3jgryovStitcher: https://tinyurl.com/y4qdlklgOr listen directly on the web at: llad.podbean.com Help me help others, if you like what you hear please share!Follow me on Instagram: https://www.instagram.com/letslaughaboutdeath/Like me on Facebook: https://www.facebook.com/letslaughaboutdeathLet me know how I'm doing, leave me a review:https://podcasts.apple.com/us/podcast/lets-laugh-about-death/id1466347188 www.letslaughaboutdeath.com#death #laughaboutdeath #afterlife #griefsucks #Hauntedsaginaw #deathanddying #LiveLifeHappy #amazonprime #grievingwithhumor #happy  #existential  #covid19 #author  #PR #Brandbuilding 

Release date: 07/20/20Free to listen on any platform.Let's Laugh About Death - The dramedy podcast that celebrates life while contemplating the inevitable with Host Tim Rooney - of the popular Amazon Prime film series Haunted Saginaw. Today, my guest is Deanna Kloostra. Deanna is a victim of the custody court system and in turn became a Legal Domestic Abuse Coach. In this episode, we discuss her experiences with seeking custody of her children while discovering some very sketchy practices that take place. She describes her findings of the disgusting world of sex trafficking that happens literally underground. Deanna also describes ways in which victims of the system can represent themselves, along with resources that can assist them in their battle. This is a very eye opening episode that delves into topics that most of us really don't want to admit actually exist.  You can find a link to all of the resources we discussed in this episode at:artsoolk.com  Get this show for any platform including these:Apple Podcasts: https://tinyurl.com/y3qxhy37Google Podcasts: https://tinyurl.com/y6utm9ggSpotify: https://tinyurl.com/y3jgryovStitcher: https://tinyurl.com/y4qdlklg Or listen directly on the web at: llad.podbean.comSupport the show financially just by listening at: https://tinyurl.com/y27m6s8g www.letslaughaboutdeath.com#death #laughaboutdeath #afterlife #griefsucks #Hauntedsaginaw #deathanddying #LiveLifeHappy #amazonprime #grievingwithhumor #happy  #existential  #covid19 #coronavirus #custodybattle #custody #childcustody

My guest today on the Expat Money Show is Ladislas Maurice from The Wandering Investor. After obtaining his Bachelor of Business Administration from https://www.ubishops.ca/ (Bishop's University) in Canada and his Masters of International Business & Law from the https://www.sydney.edu.au/ (University of Sydney) in Australia, he spent 7 years in the corporate world. At age 30, after a fantastic experience, great learnings and profitable side investments, he cashed out & wandered off, wanting to deepen his investing skills. He has travelled to almost 100 countries and lived in a dozen countries across Europe, North America, the Middle East, Africa, Asia, and Oceania. He speaks English, French, Russian and German. If investing outside your home country, preferably somewhere with higher growth potential or yields is what you're looking for then you'll love this podcast episode. In this episode, we do something a little different. Instead of compiling a bunch of questions for Ladislas, Mikkel decided to have a friendly chat to talk about Investment opportunities around the world, cool places they have visited and just opened the floor for some really great conversation. Both Ladislas and Mikkel have visited roughly 100 countries give or take in their lifetime and they wanted to talk about how different countries offer different benefits for investing. And those that both would agree were not wise investments. Ladislas grew up with expat parents, which obviously swayed his decision to become an expat after working in the corporate world. The really neat thing about Ladislas travels is that he has wandered through countries that most would never even think of going. Some were for business, others purely pleasure. Listen in while Mikkel and Ladislas talk about: Uzbekistan Ivory Coast Liberia Ghana Oman Georgia Corruption in Africa Investing in Africa (no brainer!) and the theft from the Federal Reserve   What Makes The Wandering Investor So UniqueLadislas then talks about his philosophy for investing and what makes his approach so appealing and down to earth and why he has become so successful at what he does. Lastly, they discuss Bitcoin. Why Ladislas loves it and the history with Bitcoin for both Mikkel and Ladislas.   How to Reach Ladislas Maurice.https://expatmoneyshow.com/wp-admin/www.thewanderinginvestor.com (www.thewanderinginvestor.com) Sign up to the private list, it's free, and you'll get a ton of value from it.   Related Articles & Podcast Episodeshttps://expatmoneyshow.com/wp-admin/Gunnar%20Garfors%20-%20Travel%20adventurer%20visits%20every%20country%20in%20the%20world!%20Not%20once%20but%20Twice! (EP 068: Gunnar Garfors - Travel adventurer visits every country in the world! Not once but twice!) https://expatmoneyshow.com/wp-admin/Christoph%20Heuermann%20-%20Free%20private%20city%20projects%20in%20Honduras%20and%20Alternative%20investments%20in%20walnut%20farms%20overseas. (EP 066: Christoph Heuermann - Free private city projects in Honduras and Alternative investments in walnut farms overseas.) https://expatmoneyshow.com/wp-admin/Bobby%20Casey%20-%20An%20expat%20anarchist%20explains%20how%20blockchain%20can%20replace%20government (EP 055: Bobby Casey - An expat anarchist explains how blockchain can replace government)   Final ThoughtsWhat a great episode for me to record. It was fun, easy-going and lots of great actionable steps for anyone that is thinking about investing outside of their home country. The hour flew by so fast, I wished we had more time. With that being said, I'm pretty sure I'll have Ladislas back on the show before long, as they say, birds of a feather flock together. Enjoy this episode! Support this podcast

Episode 8:Hosted by: CK_GoldenNuggets [501AU] & J_Rod [H0B0S]Special Guest: SpartacusDiablo [iii]Subjects: Intro: 00:15Spartacus and Triarii: 01:007.0 Update: 08:00New Light Tanks: 13:00Need For Bad Tanks: 18:00Thoughts On +2/-2: 22:10Players Willingness To Learn: 23:20WG Catering To Newer Players: 37:40Thoughts On +2/-2 continued: 42:10Moderating Discord: 50:40Outlets For Opinions: 60:15Balancing By Stats: 70:10Podcast History: 90:00Hobbies & Fulfillment: 98:20Free 2 Play View Point: 105:00Tanks vs Player Skill: 117:00Closing: 118:30

Episode 127 -  This weekend sees another full round of German Bundesliga football fixtures, with 7 live matches on BT Sport. The highlight on Saturday has to be league leaders Bayern Munich vs Eintracht Frankfurt which is on BT Sport at 5:30pm UK time.  We highlight three best Bundesliga bookmaker sign-up offers for this weekend.   Make sure to visit our website and read our bet365 bonus code guide Betfred - Bet £10, Get up to £40 in Free Bets For new customers 18+ Betfred are offering a boosted Bet £10, Get up to £40 in Free Bets. Use promo code FOOTBALL40a when registering. Significant Terms - New 18+ UK customers only. Register using the promo code FOOTBALL40a, deposit and place first bet of £10 on football (cumulative price evens+) in one bet transaction. First bet must settle within the Promo Period (00:00 14/05/20 - 23:59 24/05/20). £30 in Free Bets credited within 10 hours of bet settlement and expire after 7 days. Additional £10 in Free Bets only credited if first bet doesn’t win. E-Wallet & Prepaid Card restrictions apply. SMS validation may be required. Full T&Cs Apply. Full Betfred Offer details: betfred sign up offer Ladbrokes - Bet £5, Get £20 in Free Bets  For new customers only. 18+, Ladbrokes are offering a Bet £5, Get £20 in Free Bets. Use promo code 20FREE when registering. Significant Terms: 18+ New UK+IRE customers. Paypal and certain deposit types and bet types excluded. Min £5 bet within 14 days of account reg at min odds 1/2 = 4 x £5 free bets. Free bets valid for 4 days on sports, stake not returned, restrictions apply. T&Cs apply. Full Ladbrokes Offer details: ladbrokes introductory offer BetVictor - Bet £5, Get £30 in Bonuses  For new customers 18+ BetVictor are offering a Bet £5, Get £30 in Bonuses offer. No promo code is required when registering.  Significant Terms: New Customers only. Deposit and place a £5 qualifying bet at odds of 2.00 or greater within 7 days of opening a new account; excludes cashed out bets. Receive 2x £10 Free Sports Bets, valid on set events only at odds 2.00 or greater, expires in 7 days, plus a £10 Casino Bonus, expires in 7 days. Wager the Casino Bonus 35x to withdraw winnings, game weighting applies. Card Payments only. Geographical Restrictions and T&Cs Apply, See Below. Please Gamble Responsibly.  Full BetVictor Free Bet + Bonus Promotion details here New Customer Offer has launched a new series of pages focusing specifically on free spin promotions. Read our Coral Free Spins guide here Most Popular Betfair NCO Pages 1) https://www.newcustomeroffer.co.uk/offers/betfair-new-customer-offers/ 2) https://www.newcustomeroffer.co.uk/offers/betfair-100-free-spins/ 3) https://www.newcustomeroffer.co.uk/offers/betfair-200-free-spins/ Listeners & Subscribers 18+. Please be Gambleaware.

Episode 120 - Today - Wednesday 13th May - sees a feast of horse racing live on Sky Sports Racing. With French racing now very much on the menu, Sky Sports Racing are showing an 38 live races across Chantilly in France, Happy Valley in Hong Kong, Will Rogers Downs, and Tampa Bay Downs both in the United States. We highlight three bookmaker sign-up offers for today's racing action.  Make sure to visit our website for our bet365 joining offer guide  BetVictor - Bet £5, Get £30 in Bonuses  For new customers 18+ BetVictor are offering a Bet £5, Get £30 in Bonuses offer. No promo code is required when registering.  Significant Terms: New Customers only. Deposit and place a £5 qualifying bet at odds of 2.00 or greater within 7 days of opening a new account; excludes cashed out bets. Receive 2x £10 Sports/Virtual Sports Free Bets, valid on set events only at odds 2.00 or greater, expires in 7 days, plus a £10 Casino Bonus, expires in 7 days. Wager the Casino Bonus 35x to withdraw winnings. Payment Cards only. Geographical Restrictions and T&Cs Apply. Please Gamble Responsibly. Click for T&Cs. Full BetVictor Free Bet + Bonus Promotion details: betvictor 5 30 Ladbrokes - Bet £5, Get £20 in Free Bets  For new customers only. 18+, Ladbrokes are offering a Bet £5, Get £20 in Free Bets. Use promo code 20FREE when registering. Significant Terms: 18+ New UK+IRE customers. Paypal and certain deposit types and bet types excluded. Min £5 bet within 14 days of account reg at min odds 1/2 = 4 x £5 free bets. Free bets valid for 4 days on sports, stake not returned, restrictions apply. T&Cs apply. Full Ladbrokes Free Bet details: ladbrokes bet 5 get 20 Betfred - Bet £10, Get £30 in Free Bets + 30 Free Spins For new customers 18+ Betfred are offering a boosted Bet £10, Get £30 in Free Bets + 30 Free Spins. Use promo code SPORTS60 when registering. Significant Terms - New UK & NI customers only. 18+. Sign up using promo code ‘SPORTS60’. Deposit & place first sports bet at a minimum of £10 in one bet transaction at evens (2.0) +. £30 paid in free bets within 48 hours of bet settlement, expires 7-days after issue. E-Wallet & Prepaid Card restrictions apply. Your first bet must be settled within 60 days of bet placement. SMS validation may be required. Game restrictions apply. Maximum 30 Free Spins on selected games. Free Spins expire after 7 days. Full T&Cs apply. Full Betfred Free Bet offer details here New Customer Offer has launched a new series of pages focusing specifically on promo codes. Read our Coral promo code guide click here Top NCO Promo Code Pages 1) https://www.newcustomeroffer.co.uk/promo-codes/paddy-power-promo-code-2020/ 2) https://www.newcustomeroffer.co.uk/promo-codes/888-sport-promo-code-2020/ 3) https://www.newcustomeroffer.co.uk/promo-codes/unibet-promo-code-2020/ Listeners & Subscribers 18+. Please be Gambleaware.

Episode 118 - French Racing returns today - 11th May 2020 - after a prolonged period of inactivity. France Galop have re-started flat racing with 3 meetings at Longchamp, Compiegne and Toulouse - with all races live on Sky Sports Racing. We highlight the very best new sign-up bookmaker promotions for today's racing action.  Make sure to visit our website for our bet365 introductory offer guide  Ladbrokes - Bet £5, Get £20 in Free Bets  For new customers only. 18+, Ladbrokes are offering a Bet £5, Get £20 in Free Bets. Use promo code 20FREE when registering. Significant Terms: 18+ New UK+IRE customers. Paypal and certain deposit types and bet types excluded. Min £5 bet within 14 days of account reg at min odds 1/2 = 4 x £5 free bets. Free bets valid for 4 days on sports, stake not returned, restrictions apply. T&Cs apply. Full Ladbrokes Free Bet details: ladbrokes bet 5 get 20 William Hill - Bet £10, Get £30 in Free Bets For new customers only, 18+, William Hill are offering a Bet £10, Get £30 in Free Bets. Use promo code P30 when registering Significant Terms: New customers using Promo Code P30 only, min £10/€10 stake, min odds ½, free bets paid as £15/€15 (30 days expiry), free bet/payment method/player/country restrictions apply. By entering the Promo code in the box above you agree to the full terms and conditions of this promotion as displayed below – T&Cs apply. New customers only, 18+. Full William Hill Bet £10, Get £30 Free Bet details: william Hill bet 10 get 30 BetVictor - Bet £5, Get £30 in Bonuses  For new customers 18+ BetVictor are offering a Bet £5, Get £30 in Bonuses offer. No promo code is required when registering.  Significant Terms: New Customers only. Deposit and place a £5 qualifying bet at odds of 2.00 or greater within 7 days of opening a new account; excludes cashed out bets. Receive 2x £10 Sports/Virtual Sports Free Bets, valid on set events only at odds 2.00 or greater, expires in 7 days, plus a £10 Casino Bonus, expires in 7 days. Wager the Casino Bonus 35x to withdraw winnings. Payment Cards only. Geographical Restrictions and T&Cs Apply. Please Gamble Responsibly. Click for T&Cs. Full BetVictor Promo Code details here New Customer Offer has launched a new series of pages focusing specifically on promo codes. Read our Betfair promo code guide click here 1) https://www.newcustomeroffer.co.uk/promo-codes/paddy-power-promo-code-2020/ 2) https://www.newcustomeroffer.co.uk/promo-codes/betfred-promo-code-2020/ 3) https://www.newcustomeroffer.co.uk/promo-codes/coral-promo-code-2020/ Listeners & Subscribers 18+. Please be Gambleaware.  

  Forward, Defense and Goalie rankings!Free agent pick-ups!Draft day help!Have questions about fantasy hockey or just life questions? Get answers! Twitter @FantasyNHLtalkFacebook @FantasyNHLtalkHockey Talky - Episode 60 (Free Agent signings)

Your Free Time isn't Free Social Reproduction, Social Isolation, and the Marxist Theory of Alienation Jessie Muldoon Socialism 2018 Women

https://archive.org/download/GenesisBibleStudy/Genesis%2002_16-17%20-%20Free%20to%20Will%20or%20Not%20Free%20to%20Will%20That%20is%20the%20Question.mp3