Podcasts about 225k

US equities were higher in Thursday trading as stocks were a bit off best levels. Earnings dominated today's headlines with Meta the big tech bright spot while Tesla takeaways were mixed and Microsoft a laggard. In macro news, initial claims fell down to 207K, well below the consensus of 225K.

How to Make $225k in 2025 by Flipping 3 Houses!

In Mississippi. https://www.lehtoslaw.com

In this week's Security Sprint, Dave and Andy covered the following topics: National Insider Threat Awareness Month! ·       Insider Threat! Employee arrested for locking Windows admins out of 254 servers in extortion plot ·       Insider Threat: Pa. church member accused of stealing $225K from congregation ·       GRIP: Insider Threat Awareness -Don't Let Errors Cost You, 28 August 2024 ·       Palo Alto: Deepfake report: https://unit42.paloaltonetworks.com/dynamics-of-deepfake-scams/   National Preparedness Month! Ready.gov: National Preparedness Month, “Start a Conversation.” A Proclamation on National Preparedness Month, 2024 September is National Preparedness Month; FEMA Releases the National Resilience Guidance + Other Upcoming Events & Climate Week NYC: Communicating Disaster Preparedness, Sep 23, 2024 02:30 PM.  Do you have an emergency and recovery plan? Get started or update it this National Preparedness Month Addressing OT cyber risk management threats and attacks with risk registers and tabletop exercises   Election Security: ·       Man Charged with Threatening Election Officials, State Judge, and Federal Law Enforcement Agents Donald Trump Assassination Updates: o   Opening Statement to Media on Updates to the Butler, Pennsylvania, Assassination Attempt Investigation o   FBI Pittsburgh Special Agent in Charge's Remarks to Media on Updates to the Butler, Pennsylvania, Assassination Attempt Investigation o   Would-be Trump assassin saw ex-president as 'target of opportunity.'   o   FBI releases photos of the gun used in Trump assassination attempt ·       DOD Will Provide Homeland With Support During Presidential Campaigns ·       US voters targeted in phishing campaign ·       When Get-Out-The-Vote Efforts Look Like Phishing ·       Intel officials say they anticipate more hacking attempts as US election nears ·       Election Security Partners Host 7th Annual Tabletop the Vote Exercise for 2024   Quick Hits: ·       Two Foreign Nationals Charged in Swatting Conspiracy Targeting Lawmakers, Private Victims, Houses of Worship, and Businesses ·       European terror attacks alarm US intelligence, NYPD briefing shows ·       CIA official: Suspects in foiled plot to attack Taylor Swift shows aimed to kill ‘tens of thousands.' ·       Solingen Stabbing Ignites Fears of Resurgent Jihadism Targeting Germany ·       CISA - Iran-based Cyber Actors Enabling Ransomware Attacks on US Organizations ·       Halliburton cyberattack linked to RansomHub ransomware gang o   FBI: RansomHub ransomware breached 210 victims since February o   US agencies warn against ransomware group behind hundreds of attacks in recent months ·       KnowBe4 Report Reveals Critical Infrastructure Under Siege with Cyber Attacks Increasing 30 Percent in One Year ·       Chinese government hackers penetrate U.S. internet providers to spy o   Lumen: Taking The Crossroads: The Versa Director Zero-Day Exploitation o   Chinese government hackers targeted U.S. internet providers with zero-day exploit, researchers say o   China's Volt Typhoon Hackers Caught Exploiting Zero-Day in Servers Used by ISPs, MSPs   ·       Microsoft: Peach Sandstorm deploys new custom Tickler malware in long-running intelligence gathering operations ·       Cybercrime and sabotage cost German firms $300 bln in past year ·       France formally charges Telegram founder, Pavel Durov, over organized crime on messaging app ·       Worldwide Trends in COVID-19-Related Attacks Against Healthcare: A Review of the Safeguarding Health in Conflict Coalition Database ·       Kasada's Releases 2024 State of Bot Mitigation Report ·       CISA Launches New Portal to Improve Cyber Reporting ·       Hate Group's Anti-Muslim Rhetoric Reflects Anti-LGBTQ+ Conspiracy Theories ·       Recorded Future: H1 2024 Check Fraud Report: Geographic Trends and Threat Actor Patterns  

Sponsored by: Lear CapitalProtect your financial future with Lear Capital, America's #1 precious metals company. CLICK HERE TO LEARN MORETop headlines for Thursday, August 29, 2024In this episode, we delve into Kamala Harris's faith-inspired message to the African Methodist Episcopal Church, Mark Zuckerberg's claims of censorship pressure from the Biden administration, and the controversy surrounding Sen. J.D. Vance's stance on a federal abortion ban.Subscribe to this PodcastApple PodcastsSpotifyGoogle PodcastsOvercast⠀Follow Us on Social Media@ChristianPost on TwitterChristian Post on Facebook@ChristianPostIntl on InstagramSubscribe on YouTube⠀Get the Edifi AppDownload for iPhoneDownload for Android⠀Subscribe to Our NewsletterSubscribe to the Freedom Post, delivered every Monday and ThursdayClick here to get the top headlines delivered to your inbox every morning!⠀Links to the NewsFallen soldiers' families defend Trump amid cemetery trip fallout | PoliticsKamala Harris quotes Gospel of Luke in speech to AME Church | PoliticsMark Zuckerberg says Biden admin. pressured Facebook to 'censor' | PoliticsMorningStar leader Chris Reed resigns | Church & MinistriesPa. church member accused of stealing $225K from congregation | U.S.Millionaire lifestyle: Pastors generate wealth from life coaching | Church & MinistriesFormer Gateway Church staffer is done with organized religion | Church & MinistriesPro-lifers react to JD Vance's vow Trump won't sign abortion ban | PoliticsMan caught with pipe bomb near church sentenced to prison | U.S.

Today we sat with Finding Nick! Nick is a content creator in the automotive space. He's a young, motivated and hard working individual who has made a name for himself in the Youtube space and beyond. He had an interest for making videos which stared back in his early days filming BMX which turned into filming music videos to cars and now a Youtube channel with 225K subs. We had a pleasure speaking to Nick and we're excited to see what he has in store for the future. Guest: @FindingNick Host: @Frank_Downstar Supported by* @Downstar @Downstar_Skate ​ Downstarinc.com HyperURL.co/Downstar @DowntimeWithDownstar

What did the guys do in the hiatus? Gamers Corner:   College Football 25 has been out for two weeks now, review from those who have played.   Halo TV show canceled https://www.theverge.com/2024/7/19/24201551/halo-paramount-plus-canceled Horizon Show canceled & how shitty people impact gaming spaces https://www.ign.com/articles/horizon-zero-dawn-tv-series-no-longer-moving-forward-at-netflix-report RIP GameInformer https://www.videogameschronicle.com/news/game-informer-magazine-to-close-after-33-years/ Pop CULTCHA   Cardi and Offset split, Cardi pregnant again.   Trump shot   Biden out   Kamala in   West does a multi team prisoner swap with Russia   Starwars Acolyte wraps   The Boys wraps   Deadpool 3   Sports:    Brandon Jacobs off that powder https://x.com/nfl_dovkleiman/status/1819411691035034043?s=46&t=m5Kj9uTb4Klrc9W4YbBeSg NFL Top 100: https://x.com/nflmedia/status/1819546225290420441?s=46&t=aT2GpHseV5lKNF4dpo5W3Q   2024 Olympics What sports have you been locked into Most impressive performance you've watched live https://youtube.com/shorts/BxtYAoP04ZM?si=H0iP2psUCOYd_Xm_

"Schools too valuable to close", Bus Vannin carried 225k in TT, electric pet collar debate, Leg Co election change recommended & Captain Carter on his MBE. It's Update with Andy Wint #iom #news #manxradio

Esto Es Lo Último 09/05/2024 Manuel Cidre dice no es conflicto que empresa del padre del Sub Secretario del DDEC tenga contrato como suplidor de placas solares mientras su hijo era oficial de la agencia. La nómina de confianza del Departamento es de $312k al año y el más que gana es precisamente Humberto Mercader Pérez. ¿Qué hizo el DDEC para que Puerto Rico atrajera a empresas de tecnología a producir en la Isla? ¡Sintoniza y comparte! #periodismoinvestigativo #periodismodigital #manuelcidre #humbertomercader #javierjimenez

Esto Es Lo Último 09/05/2024 Manuel Cidre dice no es conflicto que empresa del padre del Sub Secretario del DDEC tenga contrato como suplidor de placas solares mientras su hijo era oficial de la agencia. La nómina de confianza del Departamento es de $312k al año y el más que gana es precisamente Humberto Mercader Pérez. ¿Qué hizo el DDEC para que Puerto Rico atrajera a empresas de tecnología a producir en la Isla? ¡Sintoniza y comparte! #periodismoinvestigativo #periodismodigital #manuelcidre #humbertomercader #javierjimenez

Get our free real estate course and newsletter: GRE Letter Apartment construction is falling. It's not because banks are pulling back from lending. Projects aren't feasible for builders. Housing market intelligence analyst Rick Sharga returns to discuss the real estate market.  We discuss: real estate price movement, affordability concerns, expected mortgage rate changes, migration, price reductions, new homes vs. existing homes. Can anyone even find a new-build $225K detached SFH today? They're nearly extinct. Homebuilders are still buying down mortgage rates for you into the 4%s and 5%s at GREmarketplace.com. America needs more SFHs, especially at the entry-level.  Apartment rents have declined a little. SFH rents are up about 3% year-over-year.  Delinquency and foreclosure activity remains low. These have a strong correlation with unemployment rates. The volume of homes sales should increase this year, but only by perhaps 10%. A recession is still quite possible later this year and expected to be mild. Every region of the nation is currently experiencing residential RE price growth.  When mortgage rates fall, more new buyers than sellers are expected, pushing up property prices. Resources mentioned: Show Page: GetRichEducation.com/496 Inquire about business with Rick: CJPatrick.com Rick Sharga on X: @ricksharga LinkedIn: Rick Sharga For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Keith Weinhold (00:00:00) - Welcome to GRE. I'm your host, Keith Weinhold. Tons of new apartments were built last year, but that's abruptly going to change going forward. You'll learn why. Then a housing market intelligence analyst and I break down what's happening in the real estate market and the future direction of rents, prices, foreclosures, interest rates, and a lot more today on get Rich education. When you want the best real estate and finance info. The modern internet experience limits your free articles access, and it's replete with paywalls. And you've got pop ups and push notifications and cookies. Disclaimers are at no other time in history has it been more vital to place nice, clean, free content into your hands that actually adds no hype value to your life? See, this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor and it's to the point to get the letter. It couldn't be more simple. Text GRE to 66866. And when you start the free newsletter, you'll also get my one hour fast real estate course completely free.   Keith Weinhold (00:01:16) - It's called the Don't Quit Your Day Dream letter and it wires your mind for wealth. Make sure you read it. Text GRE to 66866. Text GRE 266866.   Corey Coates (00:01:34) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold (00:01:50) - Welcome to grow from Alexandria, Egypt, to Alexandria, Virginia, and across 188 nations worldwide. I'm Keith Weinhold, holding your inside get rich education. I'm grateful to have you here. A few weeks ago, I discussed all the apartment buildings that were constructed last year. One thing that you'll often hear out there today is that apartment construction is now falling because banks are pulling back on construction lending. But no, it's really not quite that simple. In fact, that's not even the top reason for construction delays now and going forward with apartments. The number one reason for the delays today is that the project is not economically feasible at this time. That's what the NMC tells us. All right. So what does that really mean? Well, it means that projects aren't penciling out.   Keith Weinhold (00:02:44) - In other words, apartment developers, they can't generate the returns that they need to justify the project to their capital partners, those that are funding the building. And this is, by the way, not about greedy developers, because contrary to some of the noise, it's the fact that developers do not self-fund their projects. They get the money from others. So yeah, it's the developer's job to convince investors and lenders to inject that capital. And that is just harder to do right now. Despite developer's best efforts and higher rates are obviously still contributing to the problem. It's not so much that the construction financing is not available, because for residential, it's often there. It's available. The thing is, is that apartment mortgage terms and rates are way less favorable than they were a couple of years ago, as we all know. So developers, I mean, they're paying a higher interest rate then. And you therefore need higher rent to cover that higher interest rate unless you can cut a lot of costs elsewhere and in apartments, you're also getting a lower loan to value ratio.   Keith Weinhold (00:03:55) - So that means developers, they therefore need to raise even more equity in order to cover that gap. And what's happened is a lot of the equity that's shifted away from brand new ground up apartment development, and instead it's gone over into chasing potential lease up distressed deals, properties that are already out there and are having some problems. So that's where the apartment money is moving right now. Not so much to new developers and builders also aren't building many apartments this year because construction costs remain a problem. Some materials got cheaper, others didn't. One bright spot is that construction labor that is getting easier to find. But yet the actual labor cost that really hasn't dropped. Property insurance is higher too, so these rising expenses, that means apartment projects are not penciling out for builders and then apartment rents. They're just not rising that much. That doesn't help. So it's hard for it to rise, since so many were built last year and the year before. They're in the apartment world. But obviously the long term demand is for just about all residential housing.   Keith Weinhold (00:05:11) - That demand. Is there loads of long term demand for apartments, condos, single family homes, co-ops, modular homes, mobile homes, duplexes, triplexes, fourplex container homes, row houses, farmhouses, penthouses, outhouses. I think you get the idea. The demand is there. Residential is the resilient spot, and it's all about where you want to get in. And speaking of homebuilders and finding a smart place to get in, it's important to share with you the good news that homebuilders are still buying down your interest. Right for you. Now the third year rate, it hit 8% last year. And Non-owner occupied property costs a little more. So it was nearly 9% on income property. It's come down off that as we know it's been around seven lately. But see here at GREwe work with builders that are still buying down your interest rate into the fives and sometimes still into the fours on new construction, single family homes, up to four plex and sometimes larger in Florida, Alabama and elsewhere. I mean, that is just the best deal going for you today to have an income producing new build property in the path of growth at 4 to 1, leverage to 5 to 1 leverage and.   Keith Weinhold (00:06:46) - Your mortgage in the fives or less, and we'll help you find the real deals within that. To connect with a great investment coach at great marketplace.com. I think you'll be glad you did. Now, today, if somehow I could use a time machine to write a letter back to my 2020 self and inform myself about what's going to happen in the housing market for the next 4 or 5 years? And I had to keep this note to myself short. I would have written that everything is going to shoot way up, rents up, prices up, interest rates up, expenses up, inflation up. Well, now that nearly all of those run ups have settled into place, we can draw a clearer picture of where we think the real estate market is going to be positioned in the future. Our guest has just freshened things up and he's got the latest in the property market all updated for us. I do two with my own research. You'll like this. It's our housing intelligence analyst guests and I. Straight ahead.   Keith Weinhold (00:07:55) - I'm Keith Weinhold. You're listening to get Rich education.    You know, I'll just tell you, for the most passive part of my real estate investing, personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in returns, or better than a bank savings account, up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited for some of them. It's all backed by real estate and that kind of love. How the tax benefit of doing this can offset capital gains and your W-2 jobs income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 66866. Oh, and this isn't a solicitation. If you want to invest where I do, just go ahead and text family to 66866. Role under the specific expert with income property, you need Ridge Lending Group and MLS for 256 injury history from beginners to veterans.   Keith Weinhold (00:09:15) - They provided our listeners with more mortgages than anyone. It's where I get my own loans for single family rentals up to four Plex's. Start your pre-qualification and chat with President Caeli Ridge. Personally, they'll even customize a plan tailored to you for growing your portfolio. Start at Ridge Lending group.com Ridge lending group.com.   Kristin Tate (00:09:42) - This is author Kristin Tate. Listen to get Rich education with Keith Weinhold. Don't quit your day dream.   Keith Weinhold (00:09:59) - Hey what has not been a very long goodbye. Just like last week when we discussed the economy this week we have the return of the C.J. Patrick Company's Rick Sharga, an extraordinary housing intelligence analyst, as we more specifically cover the real estate market. And if you're on video, you'll have the benefit of seeing some charts as well. Rick. Welcome back. Good to be back, Keith. Long time no see. Yeah, it hasn't been so long. What are your overall thoughts with the housing market? Last week we largely talked about a resilient economy potentially with some headwinds. Yeah we did.   Keith Weinhold (00:10:32) - And I think we're one of the things we left off on was the impact that the Federal Reserve had had on the mortgage market and the housing market. We probably start there. When you look at what's gone on, and just to show you how random all of this can feel sometimes this is a snapshot of mortgage rates from March 12th. And mortgage rates were trading at about 6.92% for a 30 year fixed rate loan.   Rick Sharga (00:10:56) - The most recent number I saw was about 7.1%. And as I mentioned to you and your listeners last time, I expect until the Federal Reserve makes its first fed funds rate cut, we're going to see mortgages trade right around 7% between 6.75 and 7.25%. This has made a big difference in the market because it has limited affordability for literally millions of prospective home buyers. That's makes for a difficult situation for people looking to buy or sell homes, but it also presents millions of rental property opportunities because these people need to live somewhere and they've voted themselves off the island temporarily. They just can't afford to buy a house.   Rick Sharga (00:11:41) - And you see that in terms of the reduction in number of mortgage applications that are being made. So if the Mortgage Bankers Association tracks the number of people that apply for loans, if you went back to December when mortgage rates dipped just a little bit, we saw a run up of loan applications, and as soon as they went back up to seven, we saw that number fall off. It's a very, very rate sensitive market. We'll talk a little bit about some of the implications of that as we move ahead, Keith. But the weak affordability, the higher interest rates, the continuing high home prices led to a very, very weak year in 2023. In terms of overall home sales, we ended the year with about 3.9 million existing homes sold. That's the lowest number of homes sold in a year in a quarter century. Yeah, even lower than we saw in the Great Recession. And December was the 28th consecutive month where we sold fewer properties than we sold the year before.   Keith Weinhold (00:12:39) - So a contraction in the number of sales, although prices appreciated last year.   Rick Sharga (00:12:44) - Yeah, we'll talk about that this year. I'd been hopeful that we'd be a little bit of a better start. January and February were both up in terms of home sales on a month over month basis, but continued this trend of lower sales on a year over year basis. We're looking at 30 consecutive months where we sold fewer properties than we sold the prior year. As a result of this.   Keith Weinhold (00:13:05) - Supply crash, that really began about four years ago.   Rick Sharga (00:13:08) - It's partly supplied as partly costs, that affordability. We really can't overestimate the impact that affordability has had. But you're right in terms of inventory and in fact, a good segue, it's almost like you'd seen this before, Keith. Inventory is up significantly from last year, about 24% higher than it was a year ago, according to some data from Altos Research. But it's still only running about half of 2019 levels. So in a normal market, we would have about a six month supply of homes available for sale in our market today, we're looking at somewhere between two and a half and three months supply.   Rick Sharga (00:13:44) - That lack of supply with some pent up demand is one of the reasons we have seen prices continue to be very healthy, and we haven't seen the the price crash that all the snake oil salesmen on YouTube comments. As of mid-March, about 513,000 homes available for sale, again, about 24% higher. Than last year when the numbers were just dismal. We normally do see more inventory coming to market this time of year. We'll not get anywhere near where we were back in, you know, years like 2019, 2020. But it wouldn't be a surprise to see a little bit more inventory coming to market.   Keith Weinhold (00:14:21) - Now, Rick, for existing properties, we have the very well documented interest rate lock in effect. I think a lot of people understand that. But as far as bringing more supply onto the market, do you see anything from the builder side? You know, costs are up for builders and builders feel this lack of affordability from the buyer market as well. So therefore that motivates them to build somewhat less.   Keith Weinhold (00:14:43) - And they're also building smaller properties, some shrinkflation with new construction property to try to help out with that affordability. So what are your thoughts with builder motivations this year and next year?   Rick Sharga (00:14:54) - All that thought is we're going to get to new homes in just a couple of minutes. So keep that right forefront in mind. But let's just kind of wrap up on existing sales. I do want to point out to your listeners that the inventory growth is actually outpacing the number of new listings. So new listings are only up about 14% year over year, whereas overall inventory is up 24%. The reason for that is it's taking longer to sell homes once they get to market. So once those properties are listed, they're staying in the inventory numbers a little bit longer than they were last year or even a few months ago. So that's one of the reasons the inventory numbers look a little bit better than they did. You talked about the rate lock effect. It's still very real. About two thirds of everybody with a mortgage has a mortgage rate of 4% or less.   Rick Sharga (00:15:43) - And this is not home sellers being picky or having a psychological problem. This is math. If you sell a property today and buy a new one for exactly the same price as the one you just sold, you've now doubled your monthly mortgage payment and most people simply can't afford to do that. So the properties being listed or by by people who feel like they need to sell, there's a death in the family or a birth in the family. There's a divorce or there's a marriage. There's a job loss or job that requires a transfer, maybe some financial difficulties where the borrowers in distress so they feel like they have to sell the home, or somebody's been retired for a long time, has a lot of equity, and just says, oh the heck with it. It's time for me to downsize. But the people who would normally be making a decision that maybe I'd like to sell, maybe I'd like to look at a move up opportunity. Those people are sitting on the sidelines and rather than seeing a price crash, which is what people are breathlessly trying to sell you on YouTube, the most likely scenario, something we've seen play out in the 80s and 90s and is likely to play out again in the 2020s, which is several years of kind of lackluster sales volume and modest price growth.   Rick Sharga (00:16:54) - And it takes a few years to reset the levels so that all those people with the Sub4 mortgages gradually, slowly work their way out of inventory and are replaced by people with mortgages that are closer to today's rates. And we've seen that happen, like I said, in the 80s and 90s, and it's a very normal occurrence when you have a sudden shift in either mortgage rates or home prices, that's much more likely to happen than a 2030 40% drop in home prices to make things affordable. And I would just ask anybody who's skeptical, if somebody approached you tomorrow and you didn't have to sell, but they said, hey, sell me your house for 40% less than market value. How interested would you be in having that conversation?   Keith Weinhold (00:17:36) - Wouldn't last long.   Rick Sharga (00:17:37) - No. And then home prices are up in every region. You mentioned this, Keith. Across the country I'm sharing for people that can see it. I'm sharing data from the Fhfa, which is the entity that controls Fannie Mae and Freddie Mac. So all of those 30 year fixed rate conventional loans and a year over year basis, we saw prices go up 6.3%.   Rick Sharga (00:17:56) - They were up in every region of the country. And that's a little different than the prior year when the Pacific region was actually down. But every region of the country is seeing price growth right now. And whichever price index you look at Case-Shiller,, Freddie Mac, the Fhfa index, National Association of Realtors, everybody showed similar numbers were every region was up. But importantly for your listeners and I emphasize this enough, local results are very different than national results. So even within markets where we're seeing prices go up, there are going to be neighborhoods where prices are going down and vice versa. So it's much more important for you to understand what's going on in your local market than to listen to a lot of these national trends. I will tell you that some of the markets that overheated during the pandemic, as people were moving out of high priced, high tax or highly congested areas, are seeing a bit of a clawback. So places like Boise, Idaho and Saint George's, Utah and Austin and Phoenix and Las Vegas, we're seeing those markets with the prices clawing back a little bit, a lot of price growth continuing the southeast.   Rick Sharga (00:19:04) - So and surprisingly now in the Midwest as well. So we are still seeing a bit of a migration from high price, high tax areas into lower priced markets. I tell folks, Keith, I have two adult kids living at home. My son's getting married in September. He's a teacher. His fiance is a lawyer, and they took me aside recently and said, hey, you follow this stuff. What states should we be looking at outside of California to move so that we can own a house?   Keith Weinhold (00:19:31) - Wow, that is really, really interesting that that would dictate their decision on where they live, if they have that much of a preference to own rather than rent. Recently, a lot of us in the industry learned that the average age of the first time homebuyer is now 36, older than ever.   Rick Sharga (00:19:48) - Yep. And these are two kids with good heads on their shoulders. They know there are benefits to homeownership, and they also know that the median price of a home sold in California last month was almost $800,000, and the First National Bank of dad ain't financing that acquisition.   Rick Sharga (00:20:02) - So I'm sure these conversations are happening in New York, in Chicago, in Miami and in San Francisco, and it's just the reality of today's marketplace. We talked about prices going up. We are seeing slightly more homes having a price reduction before they're sold. That always happens somewhere along the lines of 30 to 35% of homes listed wind up with a price reduction before they're sold. We're up to about 31% now, so we're still in the normal range, but we're a little higher than we've been in recent months.   Keith Weinhold (00:20:35) - This is interesting, a statistic we don't talk about very much, the percent of homes experiencing list price reductions.   Rick Sharga (00:20:42) - And it peaked in 2022. The highest number we've seen in quite a while was over 40%. And that was right after interest rates doubled. And so it's probably not a huge surprise. People were anticipating they were pricing based on the prior market. And I think we're seeing more rational pricing today. But again, that combination of prices just being as high as they are and interest rates being as high as they are, are creating some affordability issues.   Rick Sharga (00:21:05) - And for people that have to sell, they're taking price reductions. Now, keep in mind these price reductions are often very, very minimal. In California, for example, the average price reduction is less than a percent. So it's not a huge reduction, but it's still a reduction from what the list price was. You asked about new homes. So now I'm going to make you happy. We'll talk about new homes. New home inventory levels are increasing. We normally want to see about a six month supply of existing homes for sale. The new home inventory is usually between 7 and 8 months. And we're back to that number right now. Some of those homes available for sale are still under construction, but they are nonetheless available for sale. And we've seen that inventory improve over the last year as supply chain disruptions have minimized as builders are now more able to find laborers for construction. Those are two huge holdups they had over the last couple of years, and we've seen new home sales increase. And one of the reasons for that is they're available.   Rick Sharga (00:22:05) - So if you're a builder and you put a home in the market at the right price, you're going to sell it because there just aren't that many existing homes available for sale. And to your other point, Keith, new home prices are actually down 15% from peak. Existing home prices are up, new home prices are down. And in fact, if you look at the most recent new home pricing data put up by the Census Bureau recently, new home prices are at the lowest level since June of 2021. So they've really come down pretty significantly and are not that far away from existing home prices in many markets. So that median price of an existing home and the median price of a new home for sale are closer than they've been in years, partly because the builders are building smaller homes, partly because you're using less expensive fixtures. And the other thing that the builders have been doing, and this price is a lot of people, but it's brilliant on their part, is they're coming to closing with thousands of dollars and they're paying down mortgage rates.   Rick Sharga (00:23:01) - They're buying points and dropping the mortgage rate for their buyers. I spoke to a group in Denver recently where there was a local builder advertising mortgage rates of 4.99%. So think about that.   Keith Weinhold (00:23:13) - We have providers we work with here that are doing similar things. We're still seeing the rate buy downs happening, and that's why I've often told people, Rick, like, this is potentially a good time in the cycle when you're adding more rental property to really look at new builds or build to rent while these rate buy downs last. Now, I talked to a builder in Houston yesterday, and I learned a few interesting things. You talked about the smaller square footages. They could confirm that often times this builder offers either a bedroom or a study. You can get an extra bedroom or a study like a little office space. And more and more people are opting for the study. So they're starting to build homes more with the study in mind because more people are working from home and one less bedroom because people are having fewer children.   Rick Sharga (00:23:57) - Exactly right. It's the combination of both of those two things, either having fewer children or having them later. And many more people working from home than they were prior to the pandemic. And those studies become very, very useful., rooms to have in the house. Rick, what.   Keith Weinhold (00:24:12) - Is the lowest cost, new build, single family home that you see? I mean, is anyone even building in any parts of the nation, like a 225 K new build home? I haven't seen one.   Rick Sharga (00:24:26) - I haven't seen one. But I wouldn't be surprised if you're in a market in a state like Alabama or Mississippi and some of the more outlying areas, maybe some markets in the Midwest where home prices aren't as astronomical as they are elsewhere. But look, the builders are building judiciously. They're not overbuilding., we had a cycle in 2008 where we had a 13 month supply of homes available for sale and building Irish building. They got caught with overstock. But what they are building, they tend to build as move up homes because they're more profitable.   Rick Sharga (00:24:58) - So you're just not seeing an awful lot of entry level homes being built. And the hope is that as they build that first move up level home, some of the people with entry level homes will opt to sell and bring some of that inventory back to market. We are seeing more construction. We are seeing building permits,, going up on a year over year basis., most recent numbers are around 1.5 million permits. So the builders are bullish on the future. And housing starts were up in both January and February. Most importantly they're up most strongly in single family owner occupied homes. We're seeing housing starts to decline dramatically in terms of multifamily starts, right. But that's because there's about a million new apartment units coming online between last year and this year. And we don't need a whole lot more apartments., we need,, more single family homes. So if your listeners are seeing headlines talking about housing starts being lower, it's really because we're seeing fewer multifamily starts.   Keith Weinhold (00:25:54) - Last year was a big year for multifamily construction.   Rick Sharga (00:25:57) - All time high in terms of multifamily units under construction. And a lot of those are still coming to market this year. There are going to be some markets that are actually still oversupplied. So again, you have to be paying very close attention. When we talk a little bit about the rental market in the apartment category, we have seen apartment rents decline year over year in pretty much all categories. Whether you're looking at studio apartments, one bedroom apartments, two better apartments on a year over year basis, rents are actually in negative territory, according to Realtor.com and according to some data I've recently seen from RealPage. If you're looking at the actual price of rent and I know that's a little different than percentage increases or decreases, you're still seeing that rents about it's below peak. It's about 1.6% below the peak we hit in 2022,, when vacancy rates were just about nothing. But we are still below peak, and the median rent is ranging,, somewhere in the neighborhood of $1,700 a year for apartments, single family homes, which I suspect more of your listeners are actually,, renting out than apartments.   Rick Sharga (00:27:03) - Yes. Are doing better. We're seeing year over year rents continue to grow. They're growing modestly. They have not gone into negative territory, and they haven't,, during this boom and bust cycle that we've seen in the housing market. And if you're looking at,, price gains, according to some recent data from CoreLogic, if you're at the higher end of the single family rental market, prices are up about 3% year over year. At the low end, they're up about 2.9%. So very little difference depending on your price tier and also very little difference depending on whether you're looking at an attached single family residence or,, detached family single family residence. All those are up right around 3% year over year. And that's a good sign. Again, you're dealing with a as your your listeners know, you're dealing with a slightly different tenant in a single family home than you are in a, an apartment. And a lot of these people who would have been buyers or opting to rent stands to reason that,, they'd rather rent a house, particularly if it's in a good school district or in a good neighborhood than an apartment, because they have needs.   Keith Weinhold (00:28:06) - Rents are extremely stable historically. They just sort of plod up slowly. What happened about two years ago, three years ago, with that 15% plus rent increase, that's an aberration.   Rick Sharga (00:28:19) - Yeah, that's a good point, Keith. If we're looking at 3% rental growth year over year right now in the single family rental market that tracks with historic normals, usually you're somewhere between 1 and 5% a year. So threes, you know, smack dab in the middle of all that. And the growth rates also vary wildly by markets., just kind of give you a range if you're looking at a single family rental property in Honolulu, in the city, year over year, you're up about 6%. If you're looking at a unit in Miami, Florida, you're down about 2.5%.   Keith Weinhold (00:28:50) - So rental growth rates.   Rick Sharga (00:28:52) - Rental growth rates. So really just depends on where you are. That's pretty much your range from a couple points down to I think Honolulu actually had the largest,, increase in the CoreLogic study. A lot of your listeners are probably interested in buying foreclosure properties.   Rick Sharga (00:29:07) - We're not seeing a lot of foreclosure activity. Still, we are starting to see a little weakness in consumers. When we met last week, we talked a little bit about the strength of consumer spending, but we also talked about increasing amounts of spending on credit cards. And we're seeing consumer delinquency rates increase in pretty much every aspect of consumer lending, whether it's a loan, whether it's a credit card debt, whether it's an auto loan, whether it's a home equity line of credit, whether it's a mortgage, a mortgage, delinquencies are up a little bit. The only category we're not seeing an increase in delinquencies right now is student loans. And my theory on that is that people have only recently had to start making payments again on student loans, and we don't have any data to show that they're going delinquent yet. But the delinquency numbers we need to take with a grain of salt, because many of them are most of them are early stage delinquency. So somebody missed a payment, but then they catch up before they get 60 or 90 days delinquent.   Rick Sharga (00:30:02) - But we are seeing trends that suggest more delinquencies. And if you have more delinquencies, that leads to more foreclosures. Mortgage delinquency rates, according to the Mortgage Bankers Association, went up to about 3.8% in the fourth quarter, the historic average going back to the 1970s, which is as far back as the NBA goes, is about 5.25%. So we're still way below normal levels of delinquencies. As I mentioned, most of those are early stage delinquencies, and they're being resolved before they get more serious. Because of that, we don't have a lot of foreclosure activity. So this is no longer Keith government intervention. It's no longer government forbearance programs and foreclosure moratoriums. It's the fact that the economy's been so strong. Unemployment rates have a very strong correlation to mortgage delinquency rates. We got together last time I mentioned the unemployment rate was at 3.9%. I just told you that word delinquencies are at 3.8. Can't get much closer than that. And because of that, foreclosure activity is still down almost 30% from where we were in 2019 prior to the pandemic.   Rick Sharga (00:31:07) - And I should point out, the 2019 wasn't a particularly big year for foreclosures either. So I don't see us getting back to pre-pandemic levels of foreclosure activity until sometime next year. And what's important for people in this space to understand is that even though we're seeing roughly the same number of delinquencies that we saw back in 2019, fewer of those delinquent loans are going into foreclosure. Fewer of those foreclosures are getting as far as the auction, and even fewer of those are going back to the banks as REO properties or bank owned properties.   Keith Weinhold (00:31:40) - Delinquency occurs before foreclosure. We have low levels of both, and I would imagine that one substantial reason for that are these low fixed rate payments that so many people have. Minutes ago, you showed us that 90% of those with a mortgage have a rate in the fives or less. And then oftentimes when we talk about these sorts of things, we don't even consider the fact that more than 4 in 10 homeowners are free and clear. They don't have any mortgage at all. So it's difficult for people to get in trouble.   Rick Sharga (00:32:10) - Yeah. And when they do get in trouble, what's really a saving grace for a lot of these people? And I believe the reason we're seeing fewer foreclosure auctions and bank repossessions is that there's $31 trillion in homeowner equity in the market, and 90% of borrowers in foreclosure have positive equity. A huge percentage of those have at least 20% equity. So what's happening interesting is that many, many of these borrowers are protecting their equity by selling their home before the foreclosure sale. If they get to foreclosure sale, they run the risk of losing all their equity, or at least the overwhelming majority of their equity.   Keith Weinhold (00:32:48) - That's a great point with how this really works.   Rick Sharga (00:32:50) - And so if you're looking to buy a distressed property, if you're looking to buy a foreclosure property, you really need to be working directly with the homeowner in the earliest stages of foreclosure rather than waiting for the auction. And certainly rather than waiting for the bank to repossess the home and resell it. And some recent data from a friend of mine@auction.com tracking some numbers from Adam Data.   Rick Sharga (00:33:15) - 55% of the distressed properties that were sold through from June through to September of last year were sold in that pre foreclosure period prior to the foreclosure auction. That's wildly different than we've been in in years past. So really important for anybody looking to buy distressed property, to consider moving upstream and working directly with that homeowner. And it's a win win. You can help that homeowner protect their equity, have some cash to make a fresh start with and, and typically buy a home in pretty good condition and a home that you need to be part of your rental portfolio. So just kind of recapping some of the stuff we talked about, Keith, both today and last week, I still think that from an economic standpoint, there's still at least a good possibility we might have a short, mild recession sometime later this year. I don't see unemployment going much higher than 5%. Even if we do have a recession, if we don't have a recession, we'll only see the economy slowed down a bit. It might be hard to tell the difference.   Rick Sharga (00:34:10) - I'm expecting the volume of home sales to go up. I think we bottomed out in 2023, but not by a lot. Maybe we see a 10% lift over last year, which would take us to roughly 4.4 million existing homes. I wouldn't be surprised to see 700,000 new homes sold, really just depends on how quickly builders bring inventory to market. But if I'm right and mortgage rates go down slowly over the second half of this year, we'll see more home buyers come to market more quickly than sellers. We don't see a lot of sellers come to market until we get interest rates down to about 5.5% or lower, which probably won't happen until 2025. So more buyers coming to market than sellers means the prices will continue to go up. We continue to see investors account for 25 to 30% of all residential purchases. So I think we'll continue to see a higher rate, partly because investors are active, partly because a lot of consumers are waiting for market conditions to improve, but that limited affordability in today's market conditions, I really do think means more demand for rental units.   Rick Sharga (00:35:14) - And I think foreclosure activity stays below normal levels for the rest of this year, and REO inventory bank repossessions are going to remain even lower for even longer. I don't think we see REO activity come back to more normal levels for at least a couple of years, so anybody looking to buy these properties really does need to be moving upstream in order to make those purchases.   Keith Weinhold (00:35:34) - Yeah, with low affordability, hence more demand for rentals. I've already noticed that the homeownership rate, which is somewhat of a trailing number here, has already fallen from 66% to 65.7%. And with low affordability, it seems that that homeownership rate could fall even more, meaning the rate of renters would be higher.   Rick Sharga (00:35:54) - A friend of mine always complains that the government's somehow beside behind all of these trends, one way or the other, and and wonders why, with all the government programs aimed at increasing homeownership, we haven't seen that homeownership rate increase much. And I think sometimes things said to the natural level and our homeownership rate, really for the last 30 years, has been somewhere between 64% and 66%.   Rick Sharga (00:36:19) - And that might just be what the natural level for homeownership is in the United States. Will it dip a little bit as people can't afford to buy a house? Probably. Probably will. When market conditions improve for buyers, will it go up a little bit? Probably. But we hit 70% homeownership back in 2006. And it turned out that was the bad number and that not everybody's ready financially for the kind of commitment that homeownership requires. And so I've always said that the key isn't getting everybody into a home. It's the sustainability of homeownership for people that that we do get into that house. One of the best days of your life is when you get the key to that house, and it has to be one of the worst days if you have to give it back. So I hope we all keep that in mind as we move forward.   Keith Weinhold (00:37:03) - That's right. Government incentives is in the past saying there's a $10,000 first time homebuyer tax credit. Oh, we're not in an era where we need help. On the demand side, all you're doing is driving up prices.   Keith Weinhold (00:37:14) - And I don't know that you're helping out anybody in that case. But I think with really overall, one big takeaway here, Rick, is that if you the listener, if you're waiting for prices to drop substantially sometime or for interest rates to drop substantially sometime, that might not be worth the wait. You could be waiting a long time.   Rick Sharga (00:37:32) - I do expect mortgage rates will decline. I don't really go back to the sub for rates we saw a few years ago, but they're going to decline slowly and they may not decline enough to offset rising home prices. I mean, you have to get your calculator out and and figure out how that math works for you. But you're absolutely right, Keith. And I tell people today, even with mortgage rates being where they are, if you find a house you love or you find a house that's a good investment and you pencil it out and the numbers work, don't wait because the opportunity costs can be severe and you could wind up missing out on a property that could either be a good cash flow unit for you on rental, or it could be a property that you wind up living in for the next 30 years.   Rick Sharga (00:38:13) - So don't be afraid of today's market. Just be very prudent and judicious in the way you approach it.   Keith Weinhold (00:38:19) - Well, Rick, get resuscitation of followers and the nation have been a beneficiary of your housing market intelligence expertise for quite a while now. If someone wants to engage with you in the CJ Patrick Company, who are those types of people and how could you help?   Rick Sharga (00:38:36) - I appreciate the opportunity. Most of the companies I work with or companies that provide services to lenders, anybody who has a business that's in the real estate or financial services markets, who would benefit from my coming in to share with them industry data, or has data themselves that they would like to get out into the marketplace? Anything data related really, I tend to specialize in. So market updates and market overviews and market. Analysis or things that I do on a pretty much daily basis for companies.   Keith Weinhold (00:39:07) - How can they engage with you?   Rick Sharga (00:39:08) - They can find our website, which is C.J. patrick.com. They can find me on Twitter. I hide there under my name, Rick, or reach out to me on LinkedIn.   Rick Sharga (00:39:17) - And if you reach out to me on on a social media channel, make sure that you mention you know me through Keith, and you're not some crazy Russian bot trying to hack into my personal information.   Keith Weinhold (00:39:27) - Well, then, Rick, it's been great having you back on the show.   Rick Sharga (00:39:30) - I'm sure we'll do it again sometime soon. Thanks for having me.   Keith Weinhold (00:39:39) - Yeah, terrific Intel there. In this episode, Rick said that to still expect a lower amount of sales going forward and expect modest property price appreciation. Every region of the nation is seeing price growth now. And by the way, you remember that late last year, I unveiled Gray's home price appreciation forecast for this year, stating that prices should rise 4% and here in Q2, I still like how that looks. There is not much distress with current homeowners, but if you're looking to scoop up a foreclosed property cheap, you better get aggressive and work directly with the homeowner in the earliest stages of foreclosure. Don't wait for that property to go to auction. Rick also said more demand for rental units is coming, and I encourage you to engage with Rick.   Keith Weinhold (00:40:30) - Let him know you heard about him through me. If you want to go deeper and engage with some of the services that he offers, perhaps you work for a real estate company or a demographic company. You can do that at C.J. patrick.com. But most of you, the listener is an individual investor. So check him out on X where his handle is Rick Sharga. He is Rick Sharga on LinkedIn. Big thanks to Rick Sharga today. Until next week I'm your host, Keith Wild. Don't quit your daydream.   Speaker 5 (00:41:04) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get Rich education LLC exclusively.   Keith Weinhold (00:41:32) - The preceding program was brought to you by your home for wealth building. Get rich education.com.

This week, Jon Victor Co-Founder of Ansa Research joins the show for a discussion on one of crypto's most exciting areas... DePin. We deep dive into why decentralized data storage matters, Filecoin's roadmap, the intersection between AI & DePIN & so much more. Enjoy! -- Follow Jon: https://twitter.com/jnthnvctr Follow Dan: https://twitter.com/smyyguy Follow Lightspeed: https://twitter.com/Lightspeedpodhq -- Subscribe on YouTube: https://bit.ly/43o3Syk Subscribe on Apple: https://apple.co/3OhiXgV Subscribe on Spotify: https://spoti.fi/3OkF7PD Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ -- Referenced In The Show: Inverting three key relationships in computing: https://www.wildbuilt.world/p/inverting-three-key-relationships -- Access Protocol is the best way to discover premium content from crypto's top publishers and independent creators. Access Protocol has reinvented content monetization, meaning you can access this premium content without endless ads or hard-to-cancel subscriptions. Access Protocol is crypto-native, built on Solana, and already has 225K users reading content, receiving NFTs and interacting with creators! Use this link to check out Access Protocol today:https://bit.ly/AccessProtocol_Lightspeed -- (00:00) Introduction (01:34) Why DePIN Matters? (07:50) Access Protocol Ad (08:40) Filecoin (14:42) What Is IPFS & How Does It Work? (17:59) Why Decentralized Storage Matters (24:30) The Filecoin Roadmap (34:43) High Throughput Chains & Data Storage (41:04) Onboarding Web2 Companies (46:19) Filecoin's Go-To Market (48:17) Building The FVM (54:43) Filecoin Subnets (57:30) AI & DePin -- Disclaimers: Lightspeed was kickstarted by a grant from the Solana Foundation. Nothing said on Lightspeed is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Mert, Dan and our guests may hold positions in the companies, funds, or projects discussed.

This week, Marc Boiron CEO of Polygon Labs & Brendan Farmer Co-Founder of Polygon join the show for a discussion on the evolution of Polygon, building the AggLayer & the end state, as they view it for crypto. Enjoy! -- Follow Brendan: https://twitter.com/_bfarmer Follow Marc: https://twitter.com/0xMarcB Follow Mert: https://twitter.com/0xMert_ Follow Dan: https://twitter.com/smyyguy Follow Lightspeed: https://twitter.com/Lightspeedpodhq -- Subscribe on YouTube: https://bit.ly/43o3Syk Subscribe on Apple: https://apple.co/3OhiXgV Subscribe on Spotify: https://spoti.fi/3OkF7PD Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ -- Access Protocol is the best way to discover premium content from crypto's top publishers and independent creators. Access Protocol has reinvented content monetization, meaning you can access this premium content without endless ads or hard-to-cancel subscriptions. Access Protocol is crypto-native, built on Solana, and already has 225K users reading content, receiving NFTs and interacting with creators! Use this link to check out Access Protocol today:https://bit.ly/AccessProtocol_Lightspeed -- (00:00) Introduction (01:47) The Evolution Of Polygon (05:56) Building The AggLayer (10:55) Access Protocol Ad (11:45) Seamless Bridging (15:39) Data Availability & Value Accrual (25:36) Chain Abstraction vs Agg Layer (31:40) The AggLayer's Network Effects (34:21) The End State For Crypto (41:06) Prioritizing ZK Tech -- Disclaimers: Lightspeed was kickstarted by a grant from the Solana Foundation. Nothing said on Lightspeed is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Mert, Dan and our guests may hold positions in the companies, funds, or projects discussed.

This week, Craig Burel Partner at Reciprocal Ventures joins the show to discuss his journey from TradFi into crypto. We deep dive into Craig's thesis on Solana, building consumer products & backing great founders, investing in SOL vs applications as a VC, crypto gaming & much more. Enjoy! -- Access Protocol is the best way to discover premium content from crypto's top publishers and independent creators. Access Protocol has reinvented content monetization, meaning you can access this premium content without endless ads or hard-to-cancel subscriptions. Access Protocol is crypto-native, built on Solana, and already has 225K users reading content, receiving NFTs and interacting with creators! Use this link to check out Access Protocol today:https://bit.ly/AccessProtocol_Lightspeed -- Follow Craig: https://twitter.com/CraigBurel Follow Mert: https://twitter.com/0xMert_ Follow Dan: https://twitter.com/smyyguy Follow Lightspeed: https://twitter.com/Lightspeedpodhq -- Subscribe on YouTube: https://bit.ly/43o3Syk Subscribe on Apple: https://apple.co/3OhiXgV Subscribe on Spotify: https://spoti.fi/3OkF7PD Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ -- (00:00) Introduction (06:25) Reciprocal's Journey To Solana (11:34) Access Protocol Ad (12:24) Finding Product & Founder Market Fit (17:52) Only Possible On Solana (20:12) Investing in SOL vs Applications (24:05) Advice For Founders (34:34) Token Incentives (40:00) Crypto Needs More Product & Applications (43:12) Crypto Gaming (48:01) Tokenization (55:27) Meme Coins -- Disclaimers: https://www.recvc.com/disclaimer/ Lightspeed was kickstarted by a grant from the Solana Foundation. Nothing said on Lightspeed is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Mert, Dan and our guests may hold positions in the companies, funds, or projects discussed.

This week, Vibhu Norby CEO of DRiP joins the show for a discussion on building one of crypto's most popular applications. We deep dive into the growth & business model of DRiP, measuring real active users, building great UX in crypto & finally Vibhu shares some advice for founders looking to build a company & raise funding. To hear all this & more, you'll have to tune in! -- Access Protocol is the best way to discover premium content from crypto's top publishers and independent creators. Access Protocol has reinvented content monetization, meaning you can access this premium content without endless ads or hard-to-cancel subscriptions. Access Protocol is crypto-native, built on Solana, and already has 225K users reading content, receiving NFTs and interacting with creators! Use this link to check out Access Protocol today:https://bit.ly/AccessProtocol_Lightspeed -- Follow Vibhu: https://twitter.com/vibhu Follow Mert: https://twitter.com/0xMert_ Follow Dan: https://twitter.com/smyyguy Follow Lightspeed: https://twitter.com/Lightspeedpodhq -- Subscribe on YouTube: https://bit.ly/43o3Syk Subscribe on Apple: https://apple.co/3OhiXgV Subscribe on Spotify: https://spoti.fi/3OkF7PD Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ -- Timestamps: (00:00) Introduction (01:25) What Is DRiP? (05:52) DRiP's Growth (11:20) Access Protocol Ad (12:08) Crypto UX (17:44) DRiP's Mobile App (20:24) DRiP's Active Users (35:19) DRiP's Business Model (44:11) Tips For Founders Raising VC Money (50:48) Building A Start-Up -- Disclaimers: Lightspeed was kickstarted by a grant from the Solana Foundation. Nothing said on Lightspeed is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Mert, Dan and our guests may hold positions in the companies, funds, or projects discussed.

This week, Chris Hermida & Mitch Gildenberg Co-Founders at Switchboard join the show for a discussion on how they're helping scale crypto's oracle infrastructure network. We deep dive into the origin story behind Switchboard, their V3 rollout, speed & latency, todays oracle use cases, lessons learned from the Mango exploit in 2022 and more! -- Monad is a fully EVM compatible Layer 1 blockchain that can support 10,000 real transactions per second. Monad aims to open up the design space for the EVM to support high fidelity DeFi, consumer facing applications, and more generally allow crypto to scale to the masses. If you are interested in participating in Monad's journey, follow: https://twitter.com/monad_xyz and join: https://discord.gg/monad. -- Access Protocol is the best way to discover premium content from crypto's top publishers and independent creators. Access Protocol has reinvented content monetization, meaning you can access this premium content without endless ads or hard-to-cancel subscriptions. Access Protocol is crypto-native, built on Solana, and already has 225K users reading content, receiving NFTs and interacting with creators! Use this link to check out Access Protocol today:https://bit.ly/AccessProtocol_Lightspeed -- Follow Chris: https://twitter.com/hermidao1 Follow Mitch: https://twitter.com/DoctorBlocks Follow Dan: https://twitter.com/smyyguy Follow Lightspeed: https://twitter.com/Lightspeedpodhq Subscribe on YouTube: https://bit.ly/43o3Syk Subscribe on Apple: https://apple.co/3OhiXgV Subscribe on Spotify: https://spoti.fi/3OkF7PD Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ -- (00:00) Introduction (01:24) The Origin Story Behind Switchboard (04:57) Solving Crypto's Oracle Problem (09:34) Access Protocol Ad (10:22) Monad Ad (11:17) Takeaways From The 2022 Mango Exploit (17:44) Lending Markets & Liquid Staking (21:46) Switchboard V3 (25:01) Oracle Speed & Latency (29:59) Oracle Use Cases (32:09) Permissionless Oracles (36:54) Oracle Randomness (40:40) Switchboard Oracle Network (42:14) Oracle Decentralization (51:17) Final Thoughts -- Disclaimers: Lightspeed was kickstarted by a grant from the Solana Foundation. Nothing said on Lightspeed is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Mert, Dan and our guests may hold positions in the companies, funds, or projects discussed.

This week, Steven Goldfeder & Rachel Bousfield join the show to discuss the Ethereum scaling roadmap, the origin story of Arbitrum, solving the scaling trilemma & what trade-offs exist between decentralization, security & scalability. To hear all this & more, you'll have to tune in! -- Access Protocol is the best way to discover premium content from crypto's top publishers and independent creators. Access Protocol has reinvented content monetization, meaning you can access this premium content without endless ads or hard-to-cancel subscriptions. Access Protocol is crypto-native, built on Solana, and already has 225K users reading content, receiving NFTs and interacting with creators! Use this link to check out Access Protocol today:https://bit.ly/AccessProtocol_Lightspeed -- Follow Steven: https://twitter.com/sgoldfed Follow Rachel: https://twitter.com/CryptoIsCute Follow Mert: https://twitter.com/0xMert_ Follow Dan: https://twitter.com/smyyguy Follow Lightspeed: https://twitter.com/Lightspeedpodhq -- Subscribe on YouTube: https://bit.ly/43o3Syk Subscribe on Apple: https://apple.co/3OhiXgV Subscribe on Spotify: https://spoti.fi/3OkF7PD Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ -- Join us at DAS (Digital Asset Summit) in London this March! DAS is the #1 institutional conference in crypto, hosted by Blockworks. Use the link below to learn more, and use LIGHTSPEED10 to get 10% off your ticket! Sign up now because the price goes up every month. See you there! Learn more + get your ticket here: https://blockworks.co/event/digital-asset-summit-2024-london/home -- (00:00) The Origin Story Of Arbitrum (07:54) Solving The Scaling Trilemma (11:19) Access Protocol Ad (12:09) What Is A Rollup? (17:48) Why Choose Optimistic Rollups vs ZK-Rollups (23:09) Launching A Rollup Without Proofs (30:12) Data Availability (36:27) Scalability Trade-Offs (46:12) Do Sequencers Need To Be Decentralized? (56:08) The Ethereum Rollup Roadmap -- Disclaimers: Lightspeed was kickstarted by a grant from the Solana Foundation. Nothing said on Lightspeed is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Mert, Dan and our guests may hold positions in the companies, funds, or projects discussed.

Illia Polosukhin joins us to discuss how NEAR is building the blockchain operating system. NEAR first came to prominence in 2020 as an alternative Layer One that is laser-focused on abstracting the complexities of onchain infrastructure. Since then, Illia (who is one of the brightest minds in crypto) and the NEAR team have transformed NEAR into crypto's interoperability layer. In this episode, we discuss NEAR's journey from AI to crypto, why NEAR scales via sharding, NEAR's chain abstraction and account aggregation layer, the AI narrative, crypto's biggest problem and more! - - (00:00) Introduction (00:49) NEAR's Transformation: From AI to Crypto (03:22) Scaling via Dynamic Shards: Near's Unique Design (21:20) Access Protocol Ad (22:21) DAS London Plug (23:18) NEAR's Data Availability Service (27:16) Chain Abstraction and the Blockchain Operating System (40:03) NEAR's Missing Narrative (43:40) Network Value Accrual (49:18) The AI x Crypto Narrative (59:33) What Is Crypto's Biggest Problem? -- Access Protocol is the best way to discover premium content from crypto's top publishers and independent creators. Access Protocol has reinvented content monetization, meaning you can access this premium content without endless ads or hard-to-cancel subscriptions. Access Protocol is crypto-native, built on Solana, and already has 225K users reading content, receiving NFTs and interacting with creators! Use this link to check out Access Protocol today:https://bit.ly/AccessProtocol_Lightspeed -- Join us at DAS (Digital Asset Summit) in London this March! DAS is the #1 institutional conference in crypto, hosted by Blockworks. Use the link below to learn more, and use LIGHTSPEED10 to get 10% off your ticket! Sign up now because the price goes up every month. See you there! Learn more + get your ticket here: https://blockworks.co/event/digital-asset-summit-2024-london/home - - Follow Illia: https://twitter.com/ilblackdragon Follow Mert: https://twitter.com/0xMert_ Follow Garrett: https://twitter.com/GarrettHarper_ Follow Lightspeed: https://twitter.com/Lightspeedpodhq Subscribe on YouTube: https://bit.ly/43o3Syk Subscribe on Apple: https://apple.co/3OhiXgV Subscribe on Spotify: https://spoti.fi/3OkF7PD Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ - - Resources The NEAR Whiteboard Series https://www.youtube.com/playlist?list=PL9tzQn_TEuFWweVbfTbaedFdwVrvaYPq4 NEAR https://twitter.com/NEARProtocol - -  Disclaimers: Lightspeed was kickstarted by a grant from the Solana Foundation. Nothing said on Lightspeed is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Mert, Garrett and our guests may hold positions in the companies, funds, or projects discussed.

The most hyped airdrop in Solana's history happened last week: the JUP (Jupiter) token launch. We sit down to discuss what happened, how Solana performed, the controversy, what's next and why it's time for Solana to double down on product! - - Timestamps (00:00) Introduction (00:36) The JUP Airdrop: What You Need to Know (17:03) Why Solana Needs to Double Down on Product (24:10) Access Protocol Promo (25:12) Is Solana's Performance Really Needed for Every App? (30:57) Writing, Twitter and Finding Signal in Crypto (40:56) Solana's Writing Hackathon (46:14) Launching a Token Is Stressful AF - - Access Protocol is the best way to discover premium content from crypto's top publishers and independent creators. Access Protocol has reinvented content monetization, meaning you can access this premium content without endless ads or hard-to-cancel subscriptions. Access Protocol is crypto-native, built on Solana, and already has 225K users reading content, receiving NFTs and interacting with creators! Use this link to check out Access Protocol today:https://bit.ly/AccessProtocol_Lightspeed - - Join us at DAS (Digital Asset Summit) in London this March! DAS is the #1 institutional conference in crypto, hosted by Blockworks. Use the link below to learn more, and use LIGHTSPEED10 to get 10% off your ticket! Sign up now because the price goes up every month. See you there! Learn more + get your ticket here: https://blockworks.co/event/digital-asset-summit-2024-london/home - - Resources Solana Summer by Packy McCormick https://www.notboring.co/p/solana-summer - - Follow Mert: https://twitter.com/0xMert_ Follow Garrett: https://twitter.com/GarrettHarper_ Follow Lightspeed: https://twitter.com/Lightspeedpodhq Subscribe on YouTube: https://bit.ly/43o3Syk Subscribe on Apple: https://apple.co/3OhiXgV Subscribe on Spotify: https://spoti.fi/3OkF7PD Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ - - Disclaimers: Lightspeed was kickstarted by a grant from the Solana Foundation. Nothing said on Lightspeed is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Mert, Garrett and our guests may hold positions in the companies, funds, or projects discussed.

I made the biggest investments during my lowest earning quarter in business. Because of those investments, I then had a 225K quarter. None of this happened by accident! It's a product of moving with self-trust. I'm at an in-person business retreat being coached right now and my birthday is today. You know what that means - it's a big reflection time. And I want to voice some of these reflections to you because I don't think the extremely nerve-wracking moments are discussed enough. When you're on the precipice of the next evolution in your business, it can be so easy to slip into self-doubt and lack. When I had to cut back on 1:1 coaching in order to usher in this new era, I was making less than ever before. On top of that, I was spending more than ever before. Don't get me wrong, I was by no means being reckless with my spending. Here are a few of the investments I knew to be essential in my growth during that period: - FIRST, invested in a Rebrand- THEN, hired a podcast manager- THEN, invested 25k in a mastermind And guess what? If the launch had not gone as well as it did, I would still stick by those decisions.I even decided to have an in-person retreat abroad before I opened up enrollment for Reclamation Mastermind. That means that if no one signed up, I would have eaten the cost. These are the types of big decisions and risks that will be made as an entrepreneur. And self-trust is at the root of our ability to move - every time. Tune in to hear how harnessing your self-trust can take you through these difficult decisions. And if you enjoyed this episode, please share the love! Every review and social share goes such a long way! Connect with me: WebsiteInstagramLinkedin

Anatoly Yakovenko joins us for the most information-packed episode on Solana we've ever listened to. It's a masterclass exploration of Solana's architecture and roadmap. We discuss the Saga Chapter 2, fee market optimizations, Jito and MEV, validator profitability, Solana's end game, Firedancer and client diversity, token extensions and more! - - Timestamps (00:00) Introduction (01:01) Saga Chapter 2 (10:00) Access Protocol Lab (11:01) DAS London Plug (11:58) Solana Fee Market Optimizations (20:41) Jito's Role (22:42) Scheduler Upgrades (1.17 and 1.18) (25:17) Dynamic Write Lock Fees (29:55) Wen Slashing? (33:47) Solana Consensus and Formal Verification (36:41) The Value of Client Diversity: Liveness vs Safety (41:10) Are Solana Vote Transactions Just for Pumping TPS? (44:17) Solana's End Game (47:59) Is Economic Security a Meme? (53:10) Validator Profitability and Inflation (58:32) Commoditized Data Layers and L2s (01:03:18) Firedancer Update (01:10:02) Solana's New Token Extensions (01:13:46) Squads Protocol Feature Requests + Jacked Toly (01:18:18) Advice for Solana Founders - - Access Protocol is the best way to discover premium content from crypto's top publishers and independent creators. Access Protocol has reinvented content monetization, meaning you can access this premium content without endless ads or hard-to-cancel subscriptions.  Access Protocol is crypto-native, built on Solana, and already has 225K users reading content, receiving NFTs and interacting with creators! Use this link to check out Access Protocol today:https://bit.ly/AccessProtocol_Lightspeed - - Join us at DAS (Digital Asset Summit) in London this March! DAS is the #1 institutional conference in crypto, hosted by Blockworks. Use the link below to learn more, and use LIGHTSPEED10 to get 10% off your ticket! Sign up now because the price goes up every month. See you there! Learn more + get your ticket here: https://blockworks.co/event/digital-asset-summit-2024-london/home - - Follow Anatoly: https://twitter.com/aeyakovenko Follow Mert: https://twitter.com/0xMert_ Follow Garrett: https://twitter.com/GarrettHarper_ Follow Lightspeed: https://twitter.com/Lightspeedpodhq Subscribe on YouTube: https://bit.ly/43o3Syk Subscribe on Apple: https://apple.co/3OhiXgV Subscribe on Spotify: https://spoti.fi/3OkF7PD Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ - - Resources Anatoly on Lightspeed https://spoti.fi/4bacqhA - -  Disclaimers: Lightspeed was kickstarted by a grant from the Solana Foundation. Nothing said on Lightspeed is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Mert, Garrett and our guests may hold positions in the companies, funds, or projects discussed.

Ian Cummings joins us to discuss how to build a sustainable crypto game. Ian has been in gaming for over 23 years, created NFL Madden's hit stick while working at EA Sports, and is now the creator of Solana's race horsing game Photo Finish. In this episode, we discuss the story behind the hit stick, how Ian chose to go after the horse racing market, the secret to customer retention, how to win at Photo Finish, Photo Finish's partnership with the Kentucky Derby and more! - - Timestamps (00:00) Introduction (01:19) Starting at EA Sports (05:51) Creating Madden NFL's Hit Stick (12:24) Access Protocol Ad (13:26) DAS London Plug (14:23) Why A Horse Racing Game? (24:42) How Crypto Became A Core Component (30:16) Photo Finish's Key Differentiator (36:19) Launching the Stylish Studs PFPs and Go-to-Market (45:35) How to be Good at Photo Finish (54:47) Customer Retention and Growth (01:01:19) Partnerships with CNBC and the Kentucky Derby - - Access Protocol is the best way to discover premium content from crypto's top publishers and independent creators. Access Protocol has reinvented content monetization, meaning you can access this premium content without endless ads or hard-to-cancel subscriptions.  Access Protocol is crypto-native, built on Solana, and already has 225K users reading content, receiving NFTs and interacting with creators! Use this link to check out Access Protocol today:https://bit.ly/AccessProtocol_Lightspeed - - Join us at DAS (Digital Asset Summit) in London this March! DAS is the #1 institutional conference in crypto, hosted by Blockworks. Use the link below to learn more, and use LIGHTSPEED10 to get 10% off your ticket! Sign up now because the price goes up every month. See you there! Learn more + get your ticket here: https://blockworks.co/event/digital-asset-summit-2024-london/home - - Follow Ian: https://twitter.com/iancummingsnft Follow Mert: https://twitter.com/0xMert_ Follow Garrett: https://twitter.com/GarrettHarper_ Follow Lightspeed: https://twitter.com/Lightspeedpodhq Subscribe on YouTube: https://bit.ly/43o3Syk Subscribe on Apple: https://apple.co/3OhiXgV Subscribe on Spotify: https://spoti.fi/3OkF7PD Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ - - Resources Photo Finish Live https://twitter.com/photofinishgame https://photofinish.live/ - -  Disclaimers: Lightspeed was kickstarted by a grant from the Solana Foundation. Nothing said on Lightspeed is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Mert, Garrett and our guests may hold positions in the companies, funds, or projects discussed.

Ryan Watkins and Wilson Withiam join us to discuss their Solana thesis and how crypto has just entered its next phase of adoption. Ryan is the founder of Syncracy Capital (a crypto hedge fund), and Wilson is their Head of Research. In this episode, we discuss the Bitcoin spot ETF, the Ethereum and LDO thesis, the MakerDAO opportunity, the Solana thesis, investing in SOL vs Solana applications, the DA Layer wars and more! - - Timestamps (00:00) Introduction (01:16) The Bitcoin ETF Approval (05:04) The Ethereum and Liquid Staking (LDO) Thesis (09:52) Crypto's Greatest Misconception (11:27) MakerDAO Investment Thesis (17:17) ETH's Role in the Crypto Economy (20:53) Access Protocol Ad (21:55) DAS London Plug (22:52) The Solana Thesis (38:24) How Crypto Assets Can Achieve a Monetary Premium (42:09) Investing in SOL vs Solana Applications (47:50) Aggregation Theory (53:34) The DA Layer Wars (01:00:25) From Researchers to Launching a Fund - - Access Protocol is the best way to discover premium content from crypto's top publishers and independent creators. Access Protocol has reinvented content monetization, meaning you can access this premium content without endless ads or hard-to-cancel subscriptions.  Access Protocol is crypto-native, built on Solana, and already has 225K users reading content, receiving NFTs and interacting with creators! Use this link to check out Access Protocol today:https://bit.ly/AccessProtocol_Lightspeed - - Join us at DAS (Digital Asset Summit) in London this March! DAS is the #1 institutional conference in crypto, hosted by Blockworks. Use the link below to learn more, and use LIGHTSPEED10 to get 10% off your ticket! Sign up now because the price goes up every month. See you there! Learn more + get your ticket here: https://blockworks.co/event/digital-asset-summit-2024-london/home - - Follow Ryan: https://twitter.com/RyanWatkins_ Follow Wilson: https://twitter.com/WilsonWithiam Follow Mert: https://twitter.com/0xMert_ Follow Garrett: https://twitter.com/GarrettHarper_ Follow Lightspeed: https://twitter.com/Lightspeedpodhq Subscribe on YouTube: https://bit.ly/43o3Syk Subscribe on Apple: https://apple.co/3OhiXgV Subscribe on Spotify: https://spoti.fi/3OkF7PD Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ - - Resources Syncracy Capital https://www.syncracy.io/ https://twitter.com/SyncracyCapital Solana Thesis – The Fastest Horse Rises From the Ashes https://www.syncracy.io/writing/solana-thesis - -  Disclaimers: Lightspeed was kickstarted by a grant from the Solana Foundation. Nothing said on Lightspeed is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Mert, Garrett and our guests may hold positions in the companies, funds, or projects discussed.

Eugene Chen joins us to discuss why Solana's local fee markets aren't real. Well, they are real, but they don't yet work as advertised. Eugene is the co-founder of Ellipses Labs, Phoenix Protocol, and Umbra Research and he is one of the sharpest builders in Solana! In this episode, we discuss how Solana transactions work, how to improve Solana's fee markets, MEV on Solana, how apps can accrue their own MEV, Solana's DeFi risk, Phoenix's limit order book and more! - - Timestamps (00:00) Introduction (00:56) How Solana Transactions Work (05:56) Solana's Local Fee Markets Aren't Real (29:53) Access Promo (30:55) DAS Promo (31:52) MEV on Solana (36:59) App-Specific MEV and Value Accrual (41:46) Solana Bots and Toxic MEV (45:27) The Latency vs “Fair” Distribution of MEV Tradeoff (48:41) Solana DeFi Risk and the mSOL depeg (51:18) Why App Developers Should Understand the Infrastructure (55:19) Ellipses Labs, Phoenix's LOB and Points (01:01:48) Solana's Identity and Advice for Solana Builders - - Access Protocol is the best way to discover premium content from crypto's top publishers and independent creators. Access Protocol has reinvented content monetization, meaning you can access this premium content without endless ads or hard-to-cancel subscriptions.  Access Protocol is crypto-native, built on Solana, and already has 225K users reading content, receiving NFTs and interacting with creators! Use this link to check out Access Protocol today:https://bit.ly/AccessProtocol_Lightspeed - - Join us at DAS (Digital Asset Summit) in London this March! DAS is the #1 institutional conference in crypto, hosted by Blockworks. Use the link below to learn more, and use LIGHTSPEED10 to get 10% off your ticket! Sign up now because the price goes up every month. See you there! Learn more + get your ticket here: https://blockworks.co/event/digital-asset-summit-2024-london/home - - Follow Eugen: https://twitter.com/0xShitTrader Follow Mert: https://twitter.com/0xMert_ Follow Garrett: https://twitter.com/GarrettHarper_ Follow Lightspeed: https://twitter.com/Lightspeedpodhq Subscribe on YouTube: https://bit.ly/43o3Syk Subscribe on Apple: https://apple.co/3OhiXgV Subscribe on Spotify: https://spoti.fi/3OkF7PD Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ - - Resources Ellipsis Labs https://twitter.com/ellipsis_labs https://ellipsislabs.xyz/ Phoenix https://twitter.com/PhoenixTrade https://www.phoenix.trade/ Umbra Research https://www.umbraresearch.xyz/writings https://twitter.com/UmbraResearch Solana Fees, Part 1 (Solana Local Fee Markets Aren't Real) https://www.umbraresearch.xyz/writings - -  Disclaimers: Lightspeed was kickstarted by a grant from the Solana Foundation. Nothing said on Lightspeed is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Mert, Garrett and our guests may hold positions in the companies, funds, or projects discussed.

Ansem and Joe McCann join us to discuss their top crypto market predictions for 2024. Ansem and Joe are prolific crypto investors who nailed this year's Solana trade, and they're here to discuss what's next. In this episode, we cover Solana's price mania and outlook, navigating crypto's volatility, Bonk's rise and meme coin virality, the ETH vs. Alt L1 vs. DA trade, 2024's biggest opportunities, how to think like a trader and more! - - (00:00) Introduction (01:13) Solana Mania: 2023 and Beyond (08:46) How to Navigate Crypto's Volatility (14:55) Ansem's Degen Score (17:54) Bonk's Rise and Meme Coin Virality (28:01) Access Protocol Promo (29:02) DAS London Plug (30:00) Today's Investment Landscape (42:04) Integrated L1s vs Appchains (47:40) The Celestia and Modular DA Narrative (52:27) Hottest Predictions for 2024 (59:17) What Are You Most Bearish On? (01:04:13) DogWifHat: Does the Hat Stay on in 2024? - - Access Protocol is the best way to discover premium content from crypto's top publishers and independent creators. Access Protocol has reinvented content monetization, meaning you can access this premium content without endless ads or hard-to-cancel subscriptions.  Access Protocol is crypto-native, built on Solana, and already has 225K users reading content, receiving NFTs and interacting with creators! Use this link to check out Access Protocol today:https://bit.ly/AccessProtocol_Lightspeed - - Join us at DAS (Digital Asset Summit) in London this March! DAS is the #1 institutional conference in crypto, hosted by Blockworks. Use the link below to learn more, and use LIGHTSPEED20 to get 20% off your ticket! Sign up now because the price goes up every month. See you there! Learn more + get your ticket here: https://blockworks.co/event/digital-asset-summit-2024-london/home - - Follow Ansem: https://twitter.com/blknoiz06 Follow Joe: https://twitter.com/joemccann Follow Mert: https://twitter.com/0xMert_ Follow Garrett: https://twitter.com/GarrettHarper_ Follow Lightspeed: https://twitter.com/Lightspeedpodhq Subscribe on YouTube: https://bit.ly/43o3Syk Subscribe on Apple: https://apple.co/3OhiXgV Subscribe on Spotify: https://spoti.fi/3OkF7PD Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ - - Resources Asymmetric Capital https://twitter.com/goasymmetric https://subscribe.asymmetric.financial/ Lightspeed episode with Ansem https://spoti.fi/3GZ2slf Lightspeed episode with Joe https://spoti.fi/3NHYPE9 - -  Disclaimers: Lightspeed was kickstarted by a grant from the Solana Foundation. Nothing said on Lightspeed is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Mert, Garrett and our guests may hold positions in the companies, funds, or projects discussed.

Ansem and Joe McCann join us to discuss their top crypto market predictions for 2024. Ansem and Joe are prolific crypto investors who nailed this year's Solana trade, and they're here to discuss what's next. In this episode, we cover Solana's price mania and outlook, navigating crypto's volatility, Bonk's rise and meme coin virality, the ETH vs. Alt L1 vs. DA trade, 2024's biggest opportunities, how to think like a trader and more! - - (00:00) Introduction (01:13) Solana Mania: 2023 and Beyond (08:46) How to Navigate Crypto's Volatility (14:55) Ansem's Degen Score (17:54) Bonk's Rise and Meme Coin Virality (28:01) Access Protocol Promo (29:02) DAS London Plug (30:00) Today's Investment Landscape (42:04) Integrated L1s vs Appchains (47:40) The Celestia and Modular DA Narrative (52:27) Hottest Predictions for 2024 (59:17) What Are You Most Bearish On? (01:04:13) DogWifHat: Does the Hat Stay on in 2024? - - Access Protocol is the best way to discover premium content from crypto's top publishers and independent creators. Access Protocol has reinvented content monetization, meaning you can access this premium content without endless ads or hard-to-cancel subscriptions. Access Protocol is crypto-native, built on Solana, and already has 225K users reading content, receiving NFTs and interacting with creators! Use this link to check out Access Protocol today:https://bit.ly/AccessProtocol_Lightspeed - - Join us at DAS (Digital Asset Summit) in London this March! DAS is the #1 institutional conference in crypto, hosted by Blockworks. Use the link below to learn more, and use LIGHTSPEED20 to get 20% off your ticket! Sign up now because the price goes up every month. See you there! Learn more + get your ticket here: https://blockworks.co/event/digital-asset-summit-2024-london/home - - Follow Ansem: https://twitter.com/blknoiz06 Follow Joe: https://twitter.com/joemccann Follow Mert: https://twitter.com/0xMert_ Follow Garrett: https://twitter.com/GarrettHarper_ Follow Lightspeed: https://twitter.com/Lightspeedpodhq Subscribe on YouTube: https://bit.ly/43o3Syk Subscribe on Apple: https://apple.co/3OhiXgV Subscribe on Spotify: https://spoti.fi/3OkF7PD Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ - - Resources Asymmetric Capital https://twitter.com/goasymmetric https://subscribe.asymmetric.financial/ Lightspeed episode with Ansem https://spoti.fi/3GZ2slf Lightspeed episode with Joe https://spoti.fi/3NHYPE9 - - Disclaimers: Lightspeed was kickstarted by a grant from the Solana Foundation. Nothing said on Lightspeed is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Mert, Garrett and our guests may hold positions in the companies, funds, or projects discussed.

When you hear that somebody has hosted a wildly profitable event, the natural response is “tell me everything!”   Today's episode of Spa Marketing Made Easy is doing just that.    Samantha Surman, one of my Spa CEOs from my Growth Factor® Framework program, is spilling all of the juicy event details of how she generated $225K in revenue by hosting back-to-back events.   After meeting at a Dermaconcepts event, Samantha joined my program and focused all of her efforts on event planning. She's the Medical Spa Manager at Healthy Complexions Spa where she's focused on managing the growing team.    We break down the ins and outs of how she went from barely hitting 4 figures to hosting 5 + 6 figure events in a matter of months after joining Growth Factor®.   The lessons shared in this episode are a must for Spa CEOs ready to run successful events.    In this episode, we discuss:  Samantha's professional journey and the connection that brought her to join my Growth Factor® Framework program The key takeaways she learned inside Growth Factor® that set the foundation for her mini event and open house Her glowing review of working with Dermaconcepts  All of the event details, including the most unexpected thing, and her advice for listeners Her next big goal as a Spa Manager   To read the full show notes for this episode, visit: https://www.addoaesthetics.com/blog/357   Keep the conversation going inside the Spa Marketing Made Easy Community by clicking here.

On this week's episode of Movers, Shakers, and Rainmakers, we take a deep dive into the 2023 lateral market. Join us as we unpack Milbank's trailblazing associate salary increase, setting an unprecedented $225K floor and reaching heights of $425K. Our hosts sift through the intricacies of the year-end bonus frenzy and spotlight the practice areas that hottest right now. Looking ahead, we make a few predictions about Biglaw in 2024. Wrapping up the episode, we discuss our moves of the week, featuring Cozen O'Connor hiring Ketan Bhirud, former chief deputy attorney general at the Nevada AG's office, and McDermott's strategic bolstering of Musk's X with a star acquisition from a rival firm. Tune in for an episode brimming with expert analysis and predictions that every legal professional anticipating future market trends won't want to miss. Remember to rate, review, subscribe, and share Movers, Shakers, and Rainmakers with your network!  

Being new to the world of investment, Lisa mapped out local experts in the North East of England that could fill certain knowledge gaps. It was after discovering who could add value to the business that she “accidentally” found her Angel investors and went on to successfully close her round with £225K of funding.Listen to Lisa's investment journey to find out what she learned along the way and her tips that might help you with your own fundraising endeavours.In this episode, you'll discover:The value of having advisors from the startWhy you should think of raising investment as a sales processHow to select the right route to investment 

About This Episode: It's Mama Monday! This week, I'm talking with mom Stephanie. I loved this whole conversation and I know you will too! Here are just some of the topics we discussed:-The hardships of raising a non-verbal toddler and a baby during Covid with very limited resources.-Relearning how to ask for help and take care of herself as a stay-at-home mom.-When everything just feels like too much-Feeling like we have to do everything and letting go of control-Why did she feel so angry all the time?-How she now feels that exercise isn't self-care - it's a necessity.-How hormone imbalance adds to our challengesPlease shower Stephanie with love and support by SHARING this episode with a mom who needs to hear her story.** HUGE NEWS!! Our next Mothers Together "Open House"  is coming up at the end of the year! At Open House, you'll walk away with actual connections to real moms just like you AND the validation you deserve but often don't receive. I'm thrilled to be able to bring you a taste of how inclusive, safe, and judgment-free the Mothers Together community is. If you are ready to meet other moms like you, please join us for Open House! Here's the link to sign up: mothers-together.com/openhouse. See you there!I ALWAYS welcome YOUR thoughts! Feel free to DM me on IG (@on.the.hard.days) or email me: megan@mothers-together.com. This podcast is what it is because of YOU.And speaking of the podcast, YOU all recently got my show to over 225K downloads. Thank you!The best way to keep this podcast download streak is to:1) Subscribe to the podcast - your device will automatically download new episodes!2) Share the show with others - think therapists, pediatricians, and teachers!3) Leave a rating/review for the show - the Apple algorithm will push the show out to more moms who need the support and validation!THANK YOU, so very much, for your continued support!

It's our first FDR of Kink Month 2023, so Capt'n Max & I are set to let our kink flag fly & recap the amazing Abby Martin's art party, which we do—but that's not all we do… Hours before showtime, Hamas attacked Israel, killing 100s of Israelis & taking dozens of hostages in what many call “Israel's 9/11,” its bold ferocity demonstrating Israel's breakdown in so-called “intelligence.” In response, Israeli forces are bombing Gaza, murdering 100s of Palestinians with vengeful vows of war & more war. I'm pretty shaken up about it, so I talk about it, but there's no simple solution to this war or any war, except never to start a war, occupation or apartheid colonization in the first place, no matter how “holy” the land. Warning: Explicit Conversations About Politics, Culture, & S3xuality!  Make Kink Not War! That's the Bonobo Way & my motto every day—especially in the kink-positive month of Kinktober—though wars are not kinky, at least not by my definition, which involves consenting adults only. Indeed, war is the opposite of kink, though gruesome *war p0rn* floods our media. I talk about learning a lot about the brutal apartheid nature of the Zionist occupation of Palestine from none other than Abby Martin whose “Gaza fights for Freedom” & other Empire Files documentaries are excellent reports on the plight of Palestinians. Capt'n Max *discovered* the amazing Abby Martin back in 2014 on the once-great RT (Russian TV), & then I invited her on The Dr. Susan Block Show for a remarkable interview. Last year, Abby & Mike Prysner interviewed Dr. Suzy on their Dosed Show about sex, violence & the Bonobo Way & a couple years earlier, she talked politics & cuckolding on Media Roots with Abby's brother Robbie Martin. Abby & Mike also attended our erotic-verging-on-orgiastic Bonoboville Reunion, so yes, you can see them (mostly in the background) on our ViceTV piece (now over 225K views!) So, we were delighted to join Abby & Mike at their art show & going away party at Queerspace Little Secret.  What a fun time dancing, chatting & ogling Abby's gorgeous abstract art. I was honored that Abby gave me “Hell Yeah,” one of her most beautiful paintings, as a gift. What a good time AND also an aphrodisiac, at least for Max & I. Even though, thx to Max's shingles, we can't touch each other's most intimate places right now, we managed to have a little orgasmic sex right after the party & before this show. Go Bonobos for disabled senior sex! Great music is the soundtrack to great sex, & sweet sounds played a big part in Abby's party. Go Bonobos for Max Collins of Eve 6, Mz Neon, Metal Mother, Televangel + DJs Succubus & Infernx! Music also plays a recurring role in this FDR podcast, starting with Max in the afterglow warbling “I'm in the Mood for Love.” Then moving onto the return of Brady calling in from Texas to sing his new song (part of his upcoming antiwar album), “Just Say No to NATO.” But the best singer is Brady's SUZY Award-winning dog Rufio crooning to the moon, “Just Say Noooo to NATOOooooo.” Other subjects on the Love Train include Olivia Wilde, niece of late great Counterpunch publisher Alex Cockburn – pronounced Cohburn, not cock-burn—though we have a field day with that pronunciation; coconut oil (good for cock burn); GW Bush & the Yale Skull & Boneheads, plastic in our water; & the terrible attacks on Ekolo ya Bonobo. Stay tuned for our arbitration against Zuck the META cuck making mega bucks off our exploitation & then rewarding our hard work with deactivation. And Be Bonobo. Even if we can't stop wars in the Middle East, Ukraine or anywhere in this war-torn world, we can at least make our voices heard - unless we're censored... Well, we can at least Be Bonobo & make peace through pleasure in our own lives. It's a start! Happy Kink Month 2023! It may not seem like it for sooo many reasons, but it really is a better time than ever to… Make Kink Not War. Check out more of my prose & shows: https://drsusanblock.com/kinktober-2023 Need to talk privately? Call Our Therapists Without Borders anytime: 213.291.9497. We're here for YOU. 

225,000 people are currently without power across New Zealand and the widespread damage looks as if it could take a few days to repair. Energy companies are warning people to prepare for significant time without power. Transpower Chief Executive Alison Andrews told Mike Hosking their national network has held up reasonably well, but local networks are more difficult to fix. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Get inspired by the incredible story of a 16-year-old tech prodigy, Symoné B. "Beez" who broke into the industry and now earns over $225k a year! Join us as we explore her journey and learn about the hard work and determination that led to her success.Watch her interview here and learn some of the additional things she did to impress interviewers and the perks of working in the tech industry!Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Top headlines for Dec. 16, 2022:Charleston Co. deputies will receive raises out of department's budgetBerkeley Co. Superintendent making $225K per year and other benefitsReport: Bank robbery suspect wrote ‘I have a bomb' in note to employeeCharleston businessman arrested and charged with wire fraud totaling more than $700KHighway Patrol: Pedestrian killed in Berkeley County crashJoint Base Charleston looking for drivers to make Uber available on base

A fundraiser for Gov. Brian Kemp's re-election campaign recently brought hundreds of people, including many Cherokee County leaders, to Ball Ground, and raised about $225,000 and counting, the host for the event said. Oct. 20, Gov. Brian Kemp and the First Lady Marty Kemp attended a fundraising event at the home of Billy Hasty, Jr. in Ball Ground, and were greeted by about 500 people there, Hasty said. #CherokeeCounty #Georgia #LocalNews           -          -          -          -          -          -          The Cherokee Tribune Ledger Podcast is local news for Woodstock, Canton, and all of Cherokee County. Register Here for your essential digital news.             This podcast was produced and published for the Cherokee Tribune-Ledger and TribuneLedgerNews.com by BG Ad Group     For more information be sure to visit https://www.bgpodcastnetwork.com/    https://cuofga.org/   https://www.drakerealty.com/   https://www.esogrepair.com/           See omnystudio.com/listener for privacy information.

Anna is currently working behind the scenes on her book, so we are excited to replay this episode on sales and invite you to fill out the application for the next round of the Sell with Heart mentroship and mastermind. Today you'll be hearing 8 things that took Anna from $100k to $225k. I chose this episode because while I think it's great to have abundant income goals, it's also really important to know the nittty gritty of how to accomplish them. The tips that Anna provides in this episode will help make your success not only easier, but faster! So bring up your notes app, grab your favorite fall drink, and enjoy! Visit this episode's original blog post here. Learn more and apply for Sell with Heart here.

JWB Co-Founder, Gregg Cohen will reveal his JWB turnkey property of the week, take questions from the audience, and share insights into the Jacksonville real estate market.This week's featured property...- is brand new construction- is priced at only $225k- will generate over an est. 12% return on investment!Be the first to know which property Gregg recommends each week as we reveal it live on the show. This is your chance to pick the brain of an investor with 16 years of experience, that oversees $800M worth of assets, and genuinely wants to help you out.------------------------------------------------------------------------------------------------------------------

Hear How Elaine Travis Turned a Coaching Investment Into a Career as a Course Creator When salon owner Elaine Travis started with online courses, she had everything she needed—the content, the start of an audience, the charisma—but her offers weren't quite landing. Then she joined my Mastermind, pivoted her marketing strategy, and a new online world opened up for her. Listen in as she talks about how she invested in herself, scaled her business, and was able to fulfill her course creation dreams.   Did this inspire you to create your course? Grab my game plan to create a bestselling course just like Elaine. Coursecreationboutique.com/gameplan

The author JD Salinger was famously reluctant to sign any copies of his most famous novel, 'The Catcher in the Rye.' Now one of the world's only known signed copy of the book is going on sale for just under a quarter of a million pounds sterling. To discuss this, Sean was joined by Adam Douglas, Specialist in rare books at Peter Harrington Books in London...

Help retailers automate their financing.

Former reality TV star Josh Dugger was sentenced to more than 12 years in federal prison Wednesday after his request for a retrial of two child pornography convictions was denied.Sonja Curry, the mother of NBA superstar Stephen Curry, revealed that she aborted her first child and nearly chose the same fate for the famous Golden State Warriors all-star when she learned she was pregnant with him. But she listened to the Holy Spirit and decided not to abort him too.Oklahoma has become the latest state to pass a law that prohibits abortions performed on an unborn baby with a detectable heartbeat in nearly all circumstances.Congresswoman Alexandria Ocasio-Cortez's recent comments blaming "fundamentalist Christians" for the "theocratic" push against abortion have drawn the ire of some non-Christians.Subscribe to this Podcast Apple Podcasts Spotify Google Podcasts Overcast Get the Edifi App  Download for iPhone   Download for Android  Subscribe to Our Newsletter Click here to get the top headlines delivered to your inbox every morning! Links to the News  Josh Duggar sentenced to 12 years in prison for child porn | Entertainment News   State Farm drops LGBT kids book project after whistleblower email | U.S. News   Store allegedly kicks out police officer shopping for Bible | U.S. News   School district pays $225K to end atheist suit over Bible class | U.S. News   Steph Curry's mom says she nearly aborted him, but God | Sports News   Oklahoma gov. signs heartbeat abortion ban into law | Politics News   AOC blames ‘fundamentalist Christians' for abortion opposition | Politics News 

Dan is a university professor living in Japan with a net worth of 1.2M. He discusses some of the investment differences and difficulties that arise from living out of the U.S. full time. He also shares the different investment mindsets between what he's observed in America vs. Japan. Dan has most of his net worth in real estate - both in his investment properties and those he's invested in as a limited partner. He also has 225K in the equity markets, 100K in cash, and 50K in private lending. He also paid off 20K in student loans.

Here is a recap on improvements I made to my Dorper sheep farm during my 1 month youtube break! SUPPLIES LIST: https://bit.ly/GrazingWaterSUPPLIES BUY THE BOOK "Quality Pasture": https://bit.ly/QualityPasture Join my Newsletter: http://bit.ly/ShepherdessNWSLTR FOLLOW MY INSTAGRAM: http://bit.ly/ShepherdessIG 0:00: MICRO RANCHING FOR PROFIT -------------------------------------- "Buy me a Coffee" to Support my Channel: https://bit.ly/ShphrdssCOFFEE READ MY BLOG: http://bit.ly/ShepherdessBLOG SHOP MY MERCH: http://bit.ly/ShepherdessMERCH #sheep #lambing #farming #ranching ----------------------------- About this Channel: This channel chronicles my journey as a sheep farmer from the very beginning. My primary occupation is in business management. In 2020, I discovered the principles of regenerative agriculture and embarked on a journey with the end goal of building a profitable small farm on 23 acres by 2027. Thank you for joining the journey! Support the show

One of the common misconceptions people have is that having a high-paying job is the way to being wealthy and successful. In this podcast, I'll share the story of how I quit my $225k job after learning these three things!Get your free training here:http://www.NoellesFreeTraining.comGet a copy of my book for FREE:https://www.noellesfreebook.com/WEBSITE:http://www.noellerandall.comTEL: 888-479-4542Listen And Enjoy!Noelle RandallSupport the show (http://www.paypal.me/noellerandall1)

No joke—CEO Lacy Cain gets PAID to go to restaurant openings, plan out road trips, and other amazing experiences in Arizona. Then post about it. She grew the Wildjoy Experiences social media page to 60k on Instagram and 225k on Tik Tok at age 22. Host Annabel Thorpe and Lacy get into how she did this, and had the confidence to keep going while working a waitressing job and was getting no traction for months. Oh, and let's not forget we also talk about how others building a platform can do the same + how she fell in love with a barista using a business card.... + SO MUCH MORE.Grab a glass of wine and enjoy — little advice from me to you

“Only 15 minutes of hypnosis is equivalent to 3-4 hours of REM sleep.” - John Moyer John Moyer is a professional hypnotist who has performed his stage hypnosis show around the  United States for corporate, university, and public and private events. He's also performed  around the world as a guest entertainer for Royal Caribbean Cruise Line. A graduate of film  school, John's combined his production skills with hypnosis to create a YouTube Channel with  225K subscribers, focused on hypnosis and meditation content, showing people how to harness  the power of their minds.  You Don't Want to Miss: How hypnosis can change your thinking and behaviors How hypnosis works with your subconscious mind What is happening in the mind when hypnotized The benefits you can have from hypnosis AND SO MUCH MORE!! Links And Resources: Follow John at https://www.johnmoyer.com/ or on Youtube! Grab Your FREE Self-Love Activation Meditation and Self-Care List at: http://theabundancealchemist.com/ The Abundance Alchemist Facebook Group: https://www.facebook.com/groups/theabundancealchemisttribe Instagram: https://www.instagram.com/caitlyn.theabundancealchemist/ Make sure you hit SUBSCRIBE so you don't miss out on any transformational thoughts, ideas, or inspiration! And, if you enjoyed this episode, please leave me a rating and a review! Sending you so much love and gratitude!

Today I'm going to share some real, behind-the-scenes numbers. I don't talk about revenue or numbers often in my business, but sometimes I do think it's so useful for you to really understand practically what it looks like in the nitty gritty of my coaching business. Anything I can share that makes your success easier and faster, I am willing to do! I hope this is helpful. Visit this week's blog post >> www.heartcenteredentrepreneur.com/podcast/8-things-that-got-me-from-100k-to-225k