Podcasts about 300k

Your receptionist has a LOT more to do with the success of your company than you think. Prepare them when they answer the phone to set the proper expectations of what your company is all about.

EPISODE #946 INVESTIGATING HISTORICAL ANOMALIES USING A.I. Richard welcomes two authors/researchers who offer up a groundbreaking re-examination of historical architecture and urban landscapes in the United States, challenging conventional wisdom through rigorous academic scrutiny. GUEST: David Edward served as a Special Agent in the US Army in the 1980's and 1990's and is a veteran of multiple overseas combat tours. He was the Special Agent in Charge of the 1990 Panama Canal counter-terrorism threat assessment report to the US Congress. Edward is a graduate of the United States Army Intelligence School where he studied advanced HUMINT (Human Intelligence) and battlefield counterintelligence; also completing training at the Jungle Operations Training Center in Panama, Central America. He holds advanced degrees in engineering including a doctorate in engineering, three related M.Sc. degrees (MBA, MSIT, MSIM), and has an undergraduate degree in business (BSBA). His books typically reach the Amazon Kindle top 10 upon release in their genre. GUEST: Jon Levi is an entrepreneur who has worked in the coffee industry for over two decades. He's chosen the adventurous path of setting up home on a vast 20-acre plot near Utah's mysterious Skinwalker Ranch, proving his mettle and penchant for unique off-grid experiences. Jon's passion is delving into the overlooked and mysterious corners of history. With a dedicated audience of nearly 300K subscribers, he's continually shaking up perceptions and helping us separate fact from fiction. His meticulous research doesn't just challenge the status quo—it filters out the myths, leaving behind the rich aroma of historical truth. WEBSITE/LINKS: YouTube @jonlevichannel https://www.frequency99.com BOOKS: Evidence of the Old World Atlantis Solved: The Final Definitive Proof SUPPORT MY SPONSORS!!! DraftKings Sportsbook–an Official Sports Betting Partner of the NFL Download NOW and use code STRANGEPLANET to sign up! New customers can take home TWO HUNDRED DOLLARS IN BONUS BETS INSTANTLY just for betting five bucks. FACTOR MEALS - HEALTHY EATING, MADE EASY!!! Factor, America's #1 Ready-To-Eat Meal Kit, can help you fuel up fast with chef-prepared, dietitian-approved ready-to-eat meals delivered straight to your door. Head to https://www.factormeals.com/rssp50 and use code rssp50 to get 50% off! COPY MY CRYPTO https://copymycrypto.com/richard Discover how over 2,800 people - many of who know nothing about crypto or how to invest - are building rapid wealth the cabal can never steal. "You don't need to know a thing about cryptocurrency if you copy someone who does." Gain Access for just $1 https://copymycrypto.com/richard BECOME A PREMIUM SUBSCRIBER!!! https://strangeplanet.supportingcast.fm Use the discount code "Planet" to receive one month off the first subscription. We and our partners use cookies to personalize your experience, to show you ads based on your interests, and for measurement and analytics purposes. By using our website and services, you agree to our use of cookies as described in our Cookie Policy. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://strangeplanet.supportingcast.fm/

We have an extra 30k per year for the next ten years. A friend thinks a whole life insurance policy is a good idea for this money. Is she right?Have a money question? Email us hereSubscribe to Jill on Money LIVEYouTube: @jillonmoneyInstagram: @jillonmoneyTwitter: @jillonmoneySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Congrats to… - Allan Blake on his airborne fundraiser for SRF UK - Aaron and Monica Harding on their Military Lifegiver Podcast (start at 7 minutes) - Beacon on their FDA approval on the Sleep Headband Dream 3S - Soiree 8/26 - $300K net raised by Suzanne   - Katrien on the ILAE #SYNGAP10 #S10e115  Webinar coming up:   Behaviour, Cognition and Sensory Processing in People with SYNGAP1   Register: https://us02web.zoom.us/webinar/register/WN_tXX0ZKcgQqm9heZgf0AfDg   Sept 28 @ 9am PT/ 5pm GMT   Still a classic: Mike to FDA on SYNGAP1 For ORCA https://www.youtube.com/watch?v=AObE7NhSlmg&t=447s  Events to mention  - Global Genes, DEI - 9/18 - 9/23 - Vicky and Mike  - 2nd Scientific Conference in Spanish (virtual) 9/23 - Cannonball 10/4-10/6; Brett, Peter, Monica & Reece listen to Stories Episode 12 MH!  - Scramble 10/7 Julie Miles https://syngap.fund/scramble   - Park City Epilepsy Mtg 10/15 - 10/17; Mike, JR  - Gala 10/21 Nancy Kessler https://syngap.fund/CLG3   - Conference 11/30 & 12/1 + Sea World or Disney 12/2 Conference - Sign up by Halloween - We need head counts.  - Registration link: https://Syngap.Fund/Orlando    - Hotels: https://Syngap.Fund/2023hotel   - Shirts: https://www.bonfire.com/srf-syngap1-conference-2023/  Share your time and blood too! - Sign up for ciitizen! - Sign up for CHOP!  - Volunteer! Donate to the biorepository in OH or IL: - Sept 22, Liberty Township, OH: IRF2BPL Foundation (Home 2 Suites, 7145 Liberty Centre Drive, Liberty Township, OH 45069) - Sept 29, Chicago, IL: KCNQ2 Cure Alliance Conference, September 29th 2023 (Hilton Hotel Chicago 300 E Ohio St, Chicago, IL 60611  This is a podcast: subscribe to and rate this 10 minute #podcast #SYNGAP10 here  - https://www.syngapresearchfund.org/syngap10-podcast Apple podcasts: https://podcasts.apple.com/us/channel/syngap1-podcasts-by-srf/id6464522917 Episode 116 of #Syngap10 - September 18, 2023 #epilepsy #autism #intellectualdisability #id #anxiety #raredisease #epilepsyawareness #autismawareness #rarediseaseresearch #SynGAPResearchFund #CareAboutRare #PatientAdvocacy #GCchat #Neurology #GeneChat --- Send in a voice message: https://podcasters.spotify.com/pod/show/syngap10/message

In today's episode, Jon tells us all about how he made his first $300k while n college and how you can copy exactly what he did to achieve that same success. Visit JonDavids.com for more info. And follow Jon across social: Twitter | Instagram | LinkedIn | TikTok | YouTube 

Notorious R.O.B. joins Byron Lazine and Nicole White to discuss two Realtor association scandals, the possible impact of the Anywhere and RE/MAX settlements on the industry, the NAR membership requirement, and the possibility of buyer commission financing by the FHFA. Become a member of BAMx: https://bamx.uscreen.io/pages/subscribe Use discount code REALWORD for 10% off your annual subscription! FUBCON 2023: Use promo code “bam_vip30” for 30% off your first ticket. Each additional ticket is 55% off, so buy for your friends who are also looking to scale next year! → https://www.fubcon.com/ Subscribe to the BAM YouTube channel: https://tinyurl.com/aatxhaka Subscribe to BAM Newsletter: https://mailchi.mp/nowbam/the-best-newsletter-in-real-estate Connect with Byron Lazine: https://www.instagram.com/byronlazine Connect with Nicole White: https://www.instagram.com/nicolewhite.ct/ Connect with Notorious R.O.B.: —Substack: https://notoriousrob.substack.com/ —Instagram: https://www.instagram.com/notorious_rob_blog/ —Twitter: https://twitter.com/robhahn?lang=en —YouTube: https://youtube.com/channel/UCvkcWxxBT9q0HXOMtZuTeHQ This episode's sources: https://notoriousrob.substack.com/p/revealed-priorities-of-realtor-politics Industry Relations Podcast: https://www.youtube.com/watch?v=NtK8ILGY5uw&t=0s Timestamps: 00:00–02:02 Intro & welcome to Notorious R.O.B. 02:02 Starting with Byron's “arena” comment 10:10 Press attention for NAR's sexual harassment scandal vs SDAR corruption 13:58 SDAR corruption for 10 years and its impact on other corporate leaders 18:53 Kenny Parcell vs. SDAR board members (who are still employed) 22:09 "If you want to be a CT Realtor, you have to be in NAR; is that not a tie-in agreement?" 24:24 “I think the MLS and the Realtor association need to get divorced….” 25:21 Roughly 70% of Realtors joined the association just to get MLS access. 27:13 Will settlements nix the NAR membership requirement for Anywhere & RE/MAX agents? 2925 Could there be a new association to replace NAR? 32:31 Do we believe this is sexual harassment…? 37:57 If Kenny Parcell was innocent, wouldn't he be fighting to prove his innocence? 41:39 Why is Kenny Parcell described as a volunteer when he was making $300K/year? 43:33 Will FHFA finance buyer commissions? “My one thing about that….” 46:47 “I would argue that it might be better for agents if that were not the case….” 49:38 “Every settlement like this creates more incentive for copycat lawsuits.” ——— BAM PARTNERS

Congrats to… - Allan Blake on his airborne fundraiser for SRF UK - Aaron and Monica Harding on their Military Lifegiver Podcast (start at 7 minutes) - Beacon on their FDA approval on the Sleep Headband Dream 3S - Soiree 8/26 - $300K net raised by Suzanne   - Katrien on the ILAE #SYNGAP10 #S10e115    Webinar coming up:   Behaviour, Cognition and Sensory Processing in People with SYNGAP1   Register: https://us02web.zoom.us/webinar/register/WN_tXX0ZKcgQqm9heZgf0AfDg   Sept 28 @ 9am PT/ 5pm GMT     Still a classic: Mike to FDA on SYNGAP1 For ORCA https://www.youtube.com/watch?v=AObE7NhSlmg&t=447s    Events to mention in SYNGAP10  - Global Genes, DEI - 9/18 - 9/23 - Vicky and Mike  - 2nd Scientific Conference in Spanish (virtual) 9/23 - Cannonball 10/4-10/6; Brett, Peter, Monica & Reece listen to Stories Episode 12 MH!  - Scramble 10/7 Julie Miles https://syngap.fund/scramble   - Park City Epilepsy Mtg 10/15 - 10/17; Mike, JR  - Gala 10/21 Nancy Kessler https://syngap.fund/CLG3   - Conference 11/30 & 12/1 + Sea World or Disney 12/2   Conference - Sign up by Halloween - We need head counts.  - Registration link: https://Syngap.Fund/Orlando    - Hotels: https://Syngap.Fund/2023hotel   - Shirts: https://www.bonfire.com/srf-syngap1-conference-2023/  Share your time and blood too! - Sign up for ciitizen! - Sign up for CHOP!  - Volunteer! Donate to the biorepository in OH or IL: - Sept 22, Liberty Township, OH: IRF2BPL Foundation (Home 2 Suites, 7145 Liberty Centre Drive, Liberty Township, OH 45069) - Sept 29, Chicago, IL: KCNQ2 Cure Alliance Conference, September 29th 2023 (Hilton Hotel Chicago 300 E Ohio St, Chicago, IL 60611    This is a podcast: subscribe to and rate this 10 minute #podcast #SYNGAP10 here  - https://www.syngapresearchfund.org/syngap10-podcast Apple podcasts: https://podcasts.apple.com/us/channel/syngap1-podcasts-by-srf/id6464522917 Episode 116 of #Syngap10 - September 18, 2023 #epilepsy #autism #intellectualdisability #id #anxiety #raredisease #epilepsyawareness #autismawareness #rarediseaseresearch #SynGAPResearchFund #CareAboutRare #PatientAdvocacy #GCchat #Neurology #GeneChat

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The Fed can raise interest rates, but they cannot create housing supply.  Housing intelligence analyst Rick Sharga joins us for the second week in a row. This housing market is awful for primary residence homebuyers. But at GRE Marketplace, you can still buy income properties with rates as low as 4.75%. Rick tells us that the most prosperous markets now favor the: Midwest and Southeast, single-family homes, rental property investors with buy-and-hold strategies. National home prices are appreciating modestly. Home sales volume is still down. Investors now account for more than one-quarter of property purchases. Mortgage delinquencies are near an all-time low. Rick and I discuss why this market is so bad for flippers.  High homeowner equity positions ($300K+) support this housing market.  Timestamps: The impact of rising mortgage rates [00:02:37] Discussion on how the Federal Reserve's raising of short-term rates has caused mortgage rates to go up, affecting the housing market. The affordability challenge [00:03:38] Exploration of the impact of higher mortgage rates on homebuyers, particularly first-time buyers, and the decrease in affordability. Low supply of homes [00:08:48] Analysis of the low inventory of homes for sale, with a decrease of 9% from the previous year and 47% from 2019, leading to a challenging market. The mortgage rate lock in effect [00:11:05] Discussion on how the mortgage rate lock in effect can crimp demand but cannot create supply. Hottest markets in the Midwest and Southeast [00:11:05] Analysis of the hottest real estate markets in the Midwest and Southeast regions of the United States. Positive turn in home price appreciation [00:13:06] Explanation of how home price appreciation went down but has recently turned positive again. Housing Permits, Starts, and Construction [00:21:24] Discussion on the trends and levels of housing permits, starts, and construction, and the need for builders to increase production. Investor Activity in the Residential Market [00:22:28] Exploration of the percentage of home purchases made by investors, with a focus on small and medium-sized investors and the misconception of institutional investors dominating the market. Delinquencies and Foreclosures [00:24:36] Analysis of mortgage delinquency rates, foreclosure activity, and homeowner equity, highlighting the low delinquency rates, the presence of equity in foreclosed homes, and the importance of early-stage foreclosure sales. The future direction of rents [00:32:00] Discussion on the potential upward pressure on rents due to low affordability and high homeownership rate. Inventory coming to the market [00:33:03] Exploration of the impact of expensive inventory coming to the market and its effect on rent prices. The overall economy and housing market [00:34:03] Consideration of the possibility of a recession, unemployment spike, and foreclosures affecting the housing market. The coach's role in finding real estate deals [00:43:06] Explanation of how an investment coach can help you find the best real estate deals in the marketplace. Advantages of buying properties from marketplace [00:44:20] Reasons why buying properties from marketplace can lead to good deals, including lower prices and absence of emotional seller involvement. Resources mentioned: Show Notes: www.GetRichEducation.com/467 Rick Sharga's website: CJPatrick.com Rick Sharga on X (Twitter): @RickSharga 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   (00:00:01) - Welcome to. I'm your host, Keith Weinhold. Hold a terrific discussion today on the direction of the housing market, including lessons that you can learn for all time plummeting home sales volume and direly low home inventory. Why home price appreciation is taking place now. Could the government soon penalize you for owning too many rental properties? What's the best place for a real estate investor to position themselves in this era? And more today on Get Rich Education.   (00:00:33) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get rich education.   (00:00:56) - Walking from Horseheads, New York to Nags Head, North Carolina, and across 188 nations worldwide. I'm Keith Weinhold. And you're listening. To get rich education, you are going to get a fantastic market update today. And along the way, you'll also learn lessons if you're consuming this 5 or 10 years from now. Our expert guest was with us last week to discuss the economy. This week, it's episode two of two as we discuss the real estate market.   (00:01:25) - He has been the executive VP of markets at some of America's leading housing intelligence firms, and today he's the founder and CEO of Patrick Company, either a market intelligence firm for the real estate and mortgage markets. And he has 20 plus years of experience in those industries. It's the return of Rick Saga Part two of two. It's not imperative that you listen to last week's Part one of two that we can help you see the big picture. Enjoy this long, unbroken interview and then after the break, I'll come back to close it. Just you and I. We're talking with Rick Sagar, expert housing analyst, previously. We talked about the general condition of the economy. And now Rick and I are going to break down the housing market with what's happening there. There's so definitively connected. Keith One of the things to that the Federal Reserve has done by raising those short term rates is caused mortgage rates to go up, right? Mortgage rates tend to run loosely in line with the yields on the ten year US Treasury bonds that we talked about at the end of the first segment.   (00:02:37) - Those are now up around 4%. And typically a 30 year fixed rate mortgage will be between one and a half and two percentage points higher than that yield. So in a normal market, we'd be looking at a mortgage rate today of about five and a half to 6%. Instead because of the risk and the volatility that the market is pricing in because they're not sure what the Federal Reserve is going to do next. We're looking at mortgage rates for a 30 year fixed rate loan of over 7%. The most recent numbers from last week from Freddie Mac, we were at almost 7.2% on that average, 30 year fixed rate loan and 6.5% on a 15 year fixed rate loan. You and I were talking before the show and and you know, historically speaking, if we keep these things in context, we're still actually below the 25 year average, which was 8%. But we have a whole generation of homebuyers who've come of age during the period of the lowest mortgage rates in the history of the country. They got spoiled, they got spoiled.   (00:03:38) - And to be clear, it's one of the reasons that home prices rose as rapidly as they did and got as high as they are is because you could afford to make monthly payments with a two and a half, three, 3.5% mortgage. Now, you still have home prices about as high as they were then, and you have a mortgage rate that's doubled. And for most home buyers, particularly first time home buyers that make your monthly mortgage payment was going to go up by 45 to 60%. And most of us didn't get that 45 to 60% raise last year. It really had a huge impact on affordability. In fact, this is such an unusual occurrence that according to Freddie Mac, it's the only time in US history when mortgage rates doubled during a calendar year and they didn't just double in a calendar year. Keith They doubled in the space in a few months. It was that kind of systemic shock to the system that really hit the housing market as hard as it did. Right. And they've also nearly tripled in a pretty short period of time.   (00:04:35) - Yeah, they really have. And again, going back historically speaking and and get this from Gen Z folks and millennials, when I talk about, you know, the old days of mortgage and I do remember my first mortgage had two numbers to the left of the decimal point. I forget if it was 11 or 12%, but it was something like that. And they basically say, okay, Boomer, but that 11% mortgage was on your $70,000 house, Right. And not, you know, today's median priced home of $430,000 or whatever it is. So it's a fair point. Mortgage rates are not high, historically speaking, but that monthly cost, because of the combination of home prices and higher interest rates, is choking some people and making affordability a problem. And because of that, one of the forward looking metrics that I take a look at is the purchase loan mortgage application index from the Mortgage Bankers Association. So this is the number of people that are applying for loans with the purpose of buying a house.   (00:05:35) - They're off almost 30% on a year over year basis right now. You can see without straining your eyes at all the impact that these higher mortgage rates are having on the housing market. And we had almost record numbers of purchase loan applications from the time people who are allowed out of their house during the pandemic until these mortgage rates doubled from 2020 through the early part of 2022, mortgage rates were in the threes and fours and sometimes even in the twos. Yeah, everyone wants to talk about mortgage rates and it is an important discussion to have here at Marketplace with our investment coaches. Rick Some builders, as you know, they commonly offer rate buy down incentives to buyers of new homes. And what some of our providers are doing here, Rick, is we have one builder where if you use their preferred lender, they're buying down your income property's mortgage rate to 5.75%. And we have another builder where if you use their preferred lender, they're still buying down your mortgage rate to 4.75%. And of course, with Non-owner occupied property here, you know, previously you had talked about mortgage rates in excess of seven.   (00:06:47) - They might normally be about 8% for non owner occupied property, but you're able to buy them down to five and three quarters or even four and three quarters with one of our providers for new builds right now, that's a great deal and your listener should really be taking advantage of those opportunities. We'll get into new homes in a few minutes and what we're seeing builders do for consumers, But have to tell you, those numbers are better deals than consumers are getting right now. And you're being generous when you're talking about private lending rates right now. Most of the lenders I'm familiar with are nine, ten, 11%, depending on the nature of your investment. So your folks are getting a great deal with those rates. We talked about purchase loan applications. The other advanced predictor I look at is pending home sales. These are people that are entering into contracts. The deal hasn't been closed yet. Has it been recorded yet? This comes out from the National Association of Realtors. And those numbers are down on a year over year basis as well.   (00:07:42) - There's a lot of rate sensitivity in the market, though, Keith. And if you go back to March when rates went down just a fraction of a percent, we saw more purchase loan applications. We saw more pending home sales. But as rates have climbed back up over seven, we've seen both of these metrics go down. Yeah. So we're talking about pending home sales. We're talking about sales volume that's down in this discussion, not sales price. And anyone might be hard to say, but when you see sales volume that's down, including pending sales, how often is that due to worse affordability and how often is that due to low supply of homes? Why don't we jump right into that? Keith That's a great segue. And this is a very difficult time in the housing market because it has both of the factors that you just mentioned, two very difficult headwinds for the market to try and overcome. And and we'll get into details on both of those in just a minute. Because of that, existing home sales were down in July and they were down pretty significantly on a year over year basis, about 16%.   (00:08:48) - And that's the 23rd consecutive month where existing home sales were lower than they were the prior year. January was the lowest month of sales this month, and it broke a streak we started this year. I was forecasting that we'd see between 4.3 and 4.4 existing home sales. That's down from about 5.2 last year in about 6.1 million the year before. Right now, we're trending at a little over 4 million existing home sales for the year. So even my relatively low forecast for the year may have been overly optimistic. You mentioned inventory and inventory is a huge headwind for the market. Inventory of homes for sale today is down about 9% from where it was a year ago. It's down 47% from where we were in 2019, which was probably the last normal year we've had in the housing market. In a normal year, we would be looking at about a six month supply of homes available for sale. That's what economists or housing market analysts will look at as a balanced market balance between supply and demand. We're at about two and a half months supply right now nationally and in many states it's much lower than that.   (00:09:56) - So there's just not much out here. And the only reason the inventory number looks as good as it looks and it doesn't look very good is because it's taking a little longer to sell properties once they hit the market. If you were looking at new listing data, it's even worse. There's very little inventory coming to market in the way of new listings, and that's because of the rate increases we talked about a minute ago. 90% of borrowers with a mortgage have an interest rate on that mortgage of 6% or less. 70% have an interest rate of 4% or less. If you're sitting on a mortgage rate of 3.5% and you sell your house and buy a house at the same exact price with a 7% mortgage, you've just doubled your monthly mortgage payment. It's not that people psychologically don't want to trade a low rate for a high rate. There's a financial penalty for them doing so. And until we see mortgage rates come down a bit, probably into the fives, we're just not going to see a lot of inventory coming to market except for homeowners who need to sell or have so much equity and maybe you're going to downsize into a smaller property that they don't care about that kind of shift.   (00:11:05) - Yeah, that is the mortgage rate lock in effect. Perfectly explain. And the Fed with the raising rates, they can crimp demand. But one thing that the Fed cannot do is create supply. As much as you might like to see Jerome Powell in work boots with a nail gun, that just doesn't happen. There's an image for you, for your listeners. Yeah, and I'm not sure I'd want to. I'd want to live in that house. That's not Chairman Powell building, but inspection. Yeah. Good economist. Maybe not a carpenter. We were talking about this a little bit earlier, too. And if you're an investor, this is probably worth noting, whether you're a fix and flip investor or investor who's buying properties to rent out a lot of the interest. This is from the sharing some data from Realtor.com and they've taken a look at where people are searching for properties and where transactions are taking place and they're finding that Midwest Southeast are really the hottest markets, places that are a little off the beaten path, you know, places in New Hampshire and Connecticut and Maine and Ohio and Wisconsin.   (00:12:06) - But interestingly, some of the markets that had been suffering a little bit, they're starting to see a little more interest in whether it's California, but off the coast or markets in Colorado or Washington state. But clearly, a lot of the activity, a lot of the money is moving into the Midwest, in southeast. That's right. With the work from anywhere trend, you might see this small flattening and not as much of a disparity in home prices between markets. You're certainly still going to see that, but that can just help create a mild flattening when it doesn't matter where you live anymore and you can go ahead and purchase in lower cost markets. Yeah, and what I'm sharing now is national home prices, home price. And I'm glad you mentioned what you just did, Keith, because the fact of the matter is this has been a very localized correction. And if you're in San Francisco or San Jose, if you're in Seattle, if you're in Austin, if you're in Phoenix, you're in markets where prices are off 10% or more from peak.   (00:13:06) - If you're in Boise, Idaho, you're off more than 10% from peak of Boise had oil prices go up by 47% in a single year, a year or so ago. So he just overshot the mark. One of the reasons the national numbers don't show more volatility is because of what Keith just mentioned. It's because people are trading in where they are in a high price, high tax state moving into a lower price state and candidly outbidding local buyers and probably overpaying a little bit for those properties. So you're seeing home prices go up in some of those less expensive markets much more rapidly than they would under normal circumstances. And what we're talking about here is national home prices that are appreciating at a modest rate now. Yeah, and they are. So if you look at whether you're looking at the Case-Shiller index, it gets published monthly or the National Association of Realtors data. We saw home price appreciation start to go down last year. It was still positive but going down and that was true until pretty much the end of the first quarter this year when the data went negative for the first time in years.   (00:14:15) - So we were seeing on both a month over month and year over year basis home prices go down and that happened until June, June, things flatlined in July. Prices actually went up ah, year over year. So if you're looking at the median home price compared to the peak price a year ago, it's actually up about 1% from where we were last year, which is kind of amazing. The Case-Shiller index is a little bit of a lagging indicator and it rolls three months together, but it also started to turn the corner with its July report. So after almost a full year of price appreciation coming down and prices in decline, we've seen both of these indexes turn and are starting to go positive. It does show you that there continues to be demand for properties that are brought to market. And while home price appreciation certainly isn't soaring by any means, it's back in positive territory now. And that's something that a lot of people hadn't predicted this year. When the supply of homes is this low, it keeps generating a few bids for any available home.   (00:15:21) - Now, not as many bids as it did back in 2021. But besides generating bids, you have these huge population cohorts of millennials and Gen Zers that are growing, and they're in their prime homebuyer years moving through the system to go ahead and place those bids and keep just modest home price appreciation here lately. That's sort of how I see it. Rick If you want to add any color or thoughts to that, I think you're spot on. Keith It's the largest cohort of young adults between the ages of 25 and 34 in US history. That's prime age for forming a household. 33 to 34 is the average age of a first time buyer right now. And so these people would like to buy a house. And for people who are investing in single family rental properties in particular, at least short term, the affordability issue is something that definitely works in your favor. If somebody was looking to buy a house, they might prefer to rent a house rather than rent an apartment. I've read research that shows somewhere between 20 and 30% of people who had planned to buy have decided to rent for the next year or two while market conditions settle down or while they can put aside more money for a down payment.   (00:16:27) - These market conditions are playing in favor of people who have rental properties to offer. One other metric I'd like to share in terms of home prices, Keith is the FHFa puts out its own index. FHFa is the government entity that controls Fannie Mae and Freddie Mac. So these are your conventional bread and butter, vanilla kind of 30 year fixed rate loans. If you look at their portfolio, home prices are actually up 3.1% year over year. And every sector of the country is showing positive rice appreciation except for the Pacific states and the mountain states. And those are some of the markets we talked about earlier. And even those are very close to breaking even at this point. So HFA breaks it into about ten regions, nine of those ten currently appreciating year over year. Yep, something like that important for you to know again as an investor as to what's happening in your region. Again, whether you're you're planning to sell the property or rent it out. You talked about what builders are doing for your investor folks.   (00:17:28) - Yeah, we're seeing new home sales actually improving to consumers as well for a lot of the same reasons, incentives. So a lot of builders are coming to the closing table with cash. They're paying points on mortgages and getting those rates down where they're short term or long term. They're offering discounts, they're offering upgrades to properties. And so new home sales are still down, but just slightly on a year over year basis and have actually been beating last year's numbers for the last four months. My original estimate for new home sales this year was about 600,000. I think we're going to probably coming closer to 675,000 this year. And the only reason we won't sell more is because the builders aren't building that fast enough. But one of the reasons people are buying these new homes is because that's what's on the market today. People would have bought an existing home, can't find one. Here's the other factor. New home prices are down 16.4% from last year's peak. Now, this is informative. Think this would surprise a lot of people? Well, it surprises me.   (00:18:28) - It should surprise people because new home prices almost always go up, right? This does not mean builders are discounting homes 16.4%. What's happening is they are building less expensive homes, They're less expensive per square foot, and they're building smaller homes. And they're doing that in acknowledgement of the higher cost of financing. That also, by the way, is in sending people to look at these properties as either a starter home or a minor move up kind of property. But it is one of the reasons why new home sales are doing better than existing home sales right now on a percentage basis. That's an interesting number, Rick. A few weeks ago, I shared with our newsletter audience that builders are building homes smaller and closer together, which might be reflected in lower prices, but just didn't think it would be 16.4% lower from peak. Now, if you're doing year over year, it's probably not that big of a drop, but from the peak price we are off. And it is to your point, it's a pretty significant number.   (00:19:26) - It would be a problematic number if it was the existing home market, right, because then you'd be looking at the same property being worth 16% less. But a builder can kind of play with those numbers a little bit. Single family housing starts after falling for quite a while, are now back going back up only slightly from where they were a year ago, but they are moving in the right direction. Multifamily starts have actually tailed off a little bit after reaching record high numbers. There could be as many as a million apartment units coming to market this year. Yeah, which would be an all time record. So we've seen building on those multifamily units slow down a little bit. If you look at at new home starts for single family properties still below where they were a year ago. But again, for the first time in quite a few months, starting to trend up. A couple of things to share with your viewers here, Keith. In terms of construction, we're seeing construction continue to grow in the multifamily market because of all the starts we saw previously.   (00:20:23) - We are seeing single family construction slowed down, but that's because the builders are working their way through a glut of homes that was under construction. So we had a really weird happenstance about a year ago, a little over year, we had the highest number of homes under construction ever. And this data goes back to the early 1970s, and we had the lowest number of completed properties available for sale ever. And a lot of that was due to supply chain delays and to labor shortages. And over the last year to 15 months, the builders have gradually begun working through this glut of homes that were started but not finished. And we've seen the number of completed homes go up a little bit, almost back to normal levels, not quite there. One of the reasons they're not quite there is people are buying these homes before they're completed. They're working with the builder. Buying a home is it's almost ready to go, but still under construction. What's been encouraging, looking into the future is that permitting has increased a bit over the last two quarters.   (00:21:24) - We know builders are betting on the future. They're not necessarily breaking ground on all these properties they have permits for because they don't want to oversaturate either. And they're being very judicious with their building because they got caught with a ton of inventory during the Great Recession that they wound up selling at fire sale prices. But the trends are long term, looking like they're going in the right direction right now for new homes. So to help the viewer and listeners chronologically, we're talking about housing permits followed by housing starts. And then finally, housing construction. Right? Permits are up, starts are up recently, but down year over year. And the construction numbers are getting back close to normal levels. And we need the builders to build more because even before the rate lock effect took effect and existing home inventory got so scarce we didn't have enough housing in the works, we were depending on whose numbers you believe, somewhere between 2 and 6 million units short. We need the builders to come back to market. Note for your folks.   (00:22:28) - Keith Investors continue to account for a fairly significant amount of activity in the residential market. Over a quarter of home purchases 26% in June, which is the most recent data we have, were made by investors and believe this number actually under reports the number of investor purchases because it's from a company called CoreLogic, it's accurate data for what they count, but they only count investor purchases where the buying entity has an LLC and LP Corp kind of entity. And we know that a lot of buyers don't do that who are investors. So it probably understates it. But the fact of the matter is that historically speaking, 26% of residential purchases being done by investors is pretty high number. That's a pretty high number and as you alluded to, is probably actually higher than 26% of home purchases being made by investors. And so the headlines will breathlessly tell you that Main Street is being gobbled up by Wall Street. Oh, I know. And those institutional investors are evil people. They're buying everything that the truth is is completely the opposite.   (00:23:31) - If you look at investors who are buying properties, it's really the small investors who are buying about 46% of those investor purchases and medium sized investors about 35%. If you're looking at the biggest of the big investors, they're buying less than 10% of what's going out today. And they still own collectively about 3% of the single family rental stock. It's the mom and pop investor who continues to drive the market. Yeah, I'm glad you bring this up, Rick, because there seems to be this outsized perception that institutional money through someone like, say, in Invitation homes is just gobbling up all the good investor homes. And and they're really not. It's mom and pop investors that rule. In fact, there's some legislation pending in D.C. right now that's aimed to keep these institutional investors from doing what they're already not doing and have some tax penalties for anybody who owns. Here's the number that's important. More than 50 properties well, Invitation Homes owns significantly more than 50 properties. I know a lot of medium sized investors who own more than 50 properties.   (00:24:36) - Yeah, they're certainly not institutional investors. They certainly don't have a hedge fund behind them. Important again, for folks in this market to be in touch with their legislators and let them know what's really going on in the marketplace so we don't get this kind of bad legislation. It makes it tough for the average investor to really take full advantage of the opportunities that are out there. 100%. Mom and pop investors might need more than 50 units to obtain financial freedom. Yep. Just to wrap up, Keith, a couple of points on delinquencies and foreclosures. I know a lot of investors got into the business, you know, a decade or so ago and there was just a rash of foreclosure activity and you could buy a distressed property by just walking down the street and knocking on doors. It's a little different these days because of that strong economy we talked about earlier. In that low unemployment rate. Mortgage delinquencies are at an all time low. Mortgage Bankers Association reported that the midpoint of this year, at the end of the second quarter, the total delinquency rate was 3.37%.   (00:25:36) - To put that in context, historically the number is somewhere between 4 and 5%. So not only are we not seeing a lot of delinquencies, we're seeing less than we would see normally as seriously delinquent loans. The ones that are 90 days plus past due is as low as we've seen it in probably the last 6 or 7 years. That's really interesting. So not very many homeowners are in trouble with making their payments, which to some people might seem like a conflict with what we described back in the earlier part of the chat about low savings and higher credit card debt. So many of these homeowners are locked in to these really low payments where they got low mortgage interest rates. Plus inflation cannot touch those fixed rate payments. And that's an important point for those people that are in these homes. It would be more expensive for them to go rent right now, probably because they got such a good deal on the mortgage rate. There's usually a pretty strong correlation between unemployment rates and mortgage delinquency rates. So I mentioned that the most recent report had unemployment at 3.8%.   (00:26:37) - I think at the end of June it was a 3.5%. So we might see delinquency rates tick up a little bit. There was also some really bad social media memeing going on during the government's mortgage forbearance program. There was even an economist who predicted that almost everybody who got a forbearance was going to go into default and that would have been a catastrophe. If you look back a little over a year ago, actually more like two years ago when there was there were a lot of people in forbearance. You saw delinquency rates very high, but that was because people were allowed to miss payments. They were just being counted by the industry as delinquent. The fact is that less than a half of a percent, less than one half of 1% of the borrowers who were in forbearance and there were 8.5 million of them have defaulted on their loans. The overwhelming majority have done very, very well with that program. So it really didn't contribute to any kind of delinquency or default activity. So strong economy, extremely high, low quality because lenders really haven't been making many risky loans since the Great Recession.   (00:27:40) - The record amount of of homeowner equity that's out there. Yeah. Is keeping this market pretty solid to the point where foreclosure activity today is still running at a little bit less than 60% of pre-pandemic levels. So in a normal market, about 1 to 1.5% of loans are in some state of foreclosure. In today's market, it's about a half a percent. So we're just not seeing much go into foreclosure and the properties that go into foreclosure. The homeowners have a significant amount of equity. 92% of borrowers in foreclosure have equity in their homes, which is wildly different from where we were during the great financial crisis, when a third of all homeowners were underwater on their loans. At just about everybody in foreclosure was upside down. And people push back at me when I'm out talking at conferences about this. Keith Oh, yeah, they have equity, but they don't have enough equity to make a difference. Oh, yes, they do. 88% of the borrowers in foreclosure have more than 20% equity. That's typically the magic number that a realtor will tell you you need in order to sell your property and avoid any other kind of complications with one of these foreclosures, preventing any sort of fire sale and lowering of prices that makes all home prices go down in a neighborhood where not anywhere near that.   (00:28:57) - No, not at all. And in fact, some other data that I'll share with you and your listeners is that about 62% of the distressed property sales we see right now are properties in the early stage of foreclosure prior to the foreclosure auction, which means these distressed homeowners are protecting their equity by selling the property before it gets sold at a foreclosure sale. And so they're protecting the vast amount of this equity. But if you're an investor in today's market, there's some really important information in what I just gave you. You can't wait for the bank repossession. In this cycle, bank repossessions are running 70% below where they were prior to the pandemic, so there's fewer properties getting to auction because 67% of these distressed property sales are prior to the auction. Properties that get to auction are selling through at about 60% rate. So there's nothing going back to the lenders. So if you want to buy a property in some stage of foreclosure, your best bet in today's market is to get a list of people in the early stages of foreclosure and reach out directly to them.   (00:30:01) - Your second best bet is to get to that foreclosure auction. Be ready to move at the auction, and your worst bet is to wait for the lender to repossess the property. And in fact, I've seen anecdotal data that suggests that those properties are actually more expensive than the ones you could buy from the homeowner or at the auction because the lenders are fixing them up and selling them at full market price. Good guidance for those chasing distressed properties. So that's what's going on in the foreclosure market. I don't see foreclosure activity being back to normal levels until sometime next year. And I don't see activity bank repossessions being back to normal levels even next year. It's a very different marketplace. This is what I was just talking about. Keith If you were to break up what selling and what stage of the foreclosure process right now, about 64% of distressed sales are taking place prior to the foreclosure auction and less than 20%. Distressed sales today are those background properties. So it's a very different world than what a lot of investors grew up in.   (00:31:03) - Rick is about to share his summary with us, his closing thoughts. Before he does that, I've got two questions for you, Rick. I hear some people out there, it seems to be oftentimes the real estate agent type, maybe that's trying to be a big cheerleader for the market. And I hear a few of them say something like, hey, you know what? You better buy now, because when mortgage rates fall, home prices are really going to shoot through the roof. I don't really know that that necessarily happens because when mortgage rates fall, okay, that might increase demand of capable homebuyers, but it should also increase supply. Now, the mortgage rate lock in effect, goes away and more people will want to bring supply onto the market. And I also like to think about what happens when rates are falling. Typically, that means the economy needs help and unemployment might be a little higher. So my thoughts, Rick, are if mortgage rates do fall substantially, that might help home price appreciation a little bit, but I don't see it as any sure thing that that would make home prices go through the roof.   (00:32:00) - What are your thoughts? It's a great question. You make a very logical argument. A lot of it comes down to supply. And that's where I would hedge my bets. I don't think we see a ton of supply come back to market until rates are back in the low fives. So there's a point and a half of interest going from little over seven to maybe 5.5%, where we're probably going to see more buyers come to market than we're going to see inventory come to the market. My other thought we touched on it earlier is with rents. Talk to me about the future direction of rents. They were horribly hot a year or two ago, up 15% year over year. Rents have moderated substantially. But with this really lousy home affordability and a high homeownership rate, it seems like with this low affordability, we're set up for the homeownership rate to go lower in the proportion that rent go higher, which could put upward pressure on rents over time here. What are your thoughts with rents? Yeah, offsetting what you just said is a record number of apartment units coming to market this year.   (00:33:03) - There are likely to be some markets across the country that wind up oversupplied because of the amount of inventory coming to market. Now, don't get me wrong, the inventory coming to market is going to tend to be expensive inventory. And so that in and of itself could make rent prices come up a bit. I do believe in the short term I would tend to agree with you that the lack of housing stock available for people who would like to buy is going to play in the benefit of the folks who own properties to rent. And that will, I believe, be particularly true for people that own single family residential units that are like houses to rent. I guess we're going to split the difference on these two questions. I'm going to mostly agree with you on the second one. I do believe there's a chance prices will go up a little bit more than you think as mortgage rates come down until we get down to about 5.5%, mortgage rates are lower when we see more of that inventory coming to market. And what is the real wild card in all of this, of course, is what happens with the overall economy.   (00:34:03) - Do we enter a recession? Does unemployment spike? If that's the case, that should weaken, demand a bit and you could have a little bit of an uptick in foreclosures, which will weaken the market as well. So a lot of different components at play. And I think what people ask you questions like that, Keith, about, you know, mortgage rates come down, is this going to happen? They kind of oversimplify the equation quite a bit. There are a lot of other variables that go into it. 100%. Why don't you go ahead and share your closing thoughts with us? A lot of stuff we covered, so I won't dwell on too much of this very long. But from my perspective, a recession is still a real possibility. Probably not until next year if we have one. And if we do, it's likely to be pretty mild and fairly short and we shouldn't see a huge, huge spike in unemployment. I do believe that as the Fed decides it's done raising the Fed funds rate and announces that we'll see mortgage rates gradually decline back toward 6% by the end of this year.   (00:34:57) - And we'll be back in the fives next year. And by the way, historically, every time the Fed has stopped raising the Fed funds rate, we have seen mortgage rates come back down. Existing home sales right now are on pace for their lowest number since 2009. Likely, we're going to see somewhere in the neighborhood of 4.2 million existing home sales. But we're likely to see more new home sales than a lot of people had forecast beginning of this year, maybe 650, 675,000 of those sales in 2023. And we've seen prices decline in the new home market, but they might have bottomed out in the existing home market because of the supply and demand thing that Keith and I have kind of beaten to death during this podcast. Again, importantly for this audience, investors continue to account for a very large percentage of residential purchases and a lot of you seem to be shifting toward buy and hold strategies, which again makes ultimately good sense in a market like today's. And then that anticipated wave of foreclosures that all those folks on YouTube were trying to sell you courses to figure out how to maximize never materialized.   (00:35:57) - And at least during this cycle, not likely to any time soon. Probably won't. Yes, A lot of people a couple of years ago, especially on YouTube, were talking about a certain price collapse is coming and it never happened. And I never saw how it would have happened and I never made those sort of dire predictions. Well, Rick, this was a great chat about the overall economy, the housing market and what investors need with the housing market. I'm sure our audience learned an awful lot. It was a terrific update. If our audience wants to learn more about you and kind of wish this chat would just go on and they could learn more about you and engage with your resources. What's the best way for them to do that? Well, you can certainly follow me on social media. I refuse to say my Twitter handle is just Rick Saga. I'm on LinkedIn to hard to find there. You can also check out my website which is Patrick. Com. Enjoy doing these conversations with you Keith.   (00:36:51) - Think the first time we talked you reached out because I had come down like the wrath of God on somebody who was predicting a housing price crash because I didn't see one coming either and thought he was doing investors a disservice. So keep the faith and keep the good fight going. Keith And I'll be here whenever you want to talk. Jerry Listeners can't stop talking about their service from Ridge Lending Group and MLS 42056. They have provided our tribe with more loans than anyone there truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four Plex's. So start your pre-qualification and you can chat with President Charlie Ridge personally, though, even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. Com. 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 are better than a bank savings account up to 12%.   (00:38:00) - 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 I kind of love how the tax benefit of doing this can offset capital gains in 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 668660. And this isn't a solicitation If you want to invest where I do, just go ahead and text family to six six, eight six, six. Hi, this is Russell Gray, co-host of the Real Estate Guy's radio show. And you're listening to Get Rich Education with Keith Reinhold. Don't Quit Your Day dream. Yeah, terrific insight from Rick, as usual. It's remarkable how much this interview is aligned with what we're doing here. As Rick discussed how, though, it's a tough environment for homebuyers, it's better for investors, especially for single family rentals and especially in the Midwest and South are core areas.   (00:39:23) - It's a better market for the buy and hold investor than it is for flippers. It's a tough chase for flippers. Sometimes you don't flip the house, the house flips you. There are still so few homeowners in delinquency and foreclosure. Rick believes that when lower mortgage rates come, home, prices could appreciate more than I tend to think. We'll see how that turns out. And, you know, historically here, as we talk about the direction of home prices and the direction of rent growth Now with respect to home prices, when I provided you with the home price appreciation forecast, I keep somewhat undershooting. The market appreciation tends to outperform what I think by just a bit. Back in 2018, 2019, home price appreciation rates, they were just kind of bumping along at 4 or 5%. Back then, interest rates were super low, housing supply was more balanced. And I said right here on this show then about five years ago, that I don't see what will make home price growth like really accelerate or shoot up from here.   (00:40:32) - Well, then we had the pandemic, something that no one saw coming when the pandemic fog cleared. You remember that all here on the show in late 2021, I forecast 9 to 10% home price appreciation for the coming year, which back then I was talking about 2022. And then that appreciation rate for 2022 came in at 10.2%. Although I was close, I shot just a touch low. Now at the end of 2022, well, about nine months ago, I predicted zero home price appreciation for this year. As we near the fourth quarter, it looks like we'll get low single digit appreciation, but that remains to be seen. However, I've long been undershooting the market just a bit, though. Close and mortgage rates. No, don't even ask me. I don't try I don't make mortgage forecast. That is too hard to do. Making a mortgage rate prediction is almost like a certain way to be wrong. Although Rick and I talked about how this is a good market for investors, to my point from last week, in some markets, cash flow has become an endangered species with some of these increasing expenses for investors.   (00:41:46) - And again, I have some really good news for you here. We have largely solved that problem here at Gray of higher mortgage rates, hurting your cash flow. And that's why investors like you are still snapping up rental properties from Marketplace right now because of the strength of our marketplace network and relationships. Here we have a new build provider offering a mortgage rate to investors of 5.75%. Yes, they will see that your rate is bought down to 5.75%. In today's environment, another new build investment property provider is offering a rate buy down to 4.75%. Yes, you heard THAtrillionIGHT? And we have another builder provider where our investment coaches have been sharing with you a 2.99% seller financing option. There is more to it than that. And these builders, though they are in business to move property. So take advantage of it where you can. And besides buying down your mortgage rate for you like that, some are even waiving their property management fee for you for the first year. In addition to buying down the rate. I don't know how long all that's going to last, so this can be a really good time for you to contact your in investment coach.   (00:43:06) - Your coach will help you shop the marketplace properties, tell you where the real deals are and tell you how to get those improbably low mortgage rates for income properties. Today, your coach guides you and makes it easy for you If you don't have an investment coach yet, just go to Marketplace. Com slash coach and they're there to help you out. And marketplace properties they are often less expensive than elsewhere in addition to the low rates from some of the providers. But now you might wonder why often are the prices not always, but often, why are they lower? Well, first of all, investor advantage markets just intrinsically have lower prices than the national median. And secondly, there is no real estate agent to compensate with the traditional 6% commission, you are buying more directly. Thirdly, these property providers, they are not. And pop flippers that provide investors like you and other people where they just flip like one home a year instead. These are builders and renovation and management companies in business to do this at scale so they get to buy their materials in bulk, keeping the price lower for you.   (00:44:20) - And another reason that you tend to find good deals at Marketplace is that you aren't buying properties from owner occupants where their emotions get involved and they get irrational over there on the seller side. So you can go ahead and get started with off market deals at GRI, marketplace.com. If you'd like the free coaching from our investment coaches, then contact your coach. And if you don't have one yet again you can do that straight at GRI marketplace.com/coach that's an action item for you this week that your future self should thank you for until next week. I'm your host Keith Winfield. Don't quit your day dream.   (00:45:04) - 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.   (00:45:32) - The preceding program was brought to you by your home for wealth building get rich education.

The Gilgo Beach task force has announced that it is expanding it's investigation into Rex Heuermann and they are bringing on two more detectives to help expedite the process. We also hear from Asa Ellerup who is asking, through her attorney, to have the legal guns owned by Rex Heuermann returned to her so that she can sell them. Accordign to her lawyer, the collection is worth 300K.In our final update we hear from a man who had a run in with Heuermann in South Carolina and who tell us what everyone else who knew him has said: Rex Heuermann was a jerk. Does that make him a killer though? That's still to be determined. (commercial at 10:17)to contact me:bobbycapucci@protonmail.comsource:Rex Heuermann's estranged wife wants his hundreds of guns back, lawyer says (nypost.com)source:Gilgo Beach task force to investigate more missing sex workers | PIX11source:'He just seemed like a jerk' - Virginia businessman recalls bizarre encounter with suspected Gilgo killer Rex Heuermann (news12.com)This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5003294/advertisement

The Gilgo Beach task force has announced that it is expanding it's investigation into Rex Heuermann and they are bringing on two more detectives to help expedite the process. We also hear from Asa Ellerup who is asking, through her attorney, to have the legal guns owned by Rex Heuermann returned to her so that she can sell them. Accordign to her lawyer, the collection is worth 300K.In our final update we hear from a man who had a run in with Heuermann in South Carolina and who tell us what everyone else who knew him has said: Rex Heuermann was a jerk. Does that make him a killer though? That's still to be determined. (commercial at 10:17)to contact me:bobbycapucci@protonmail.comsource:Rex Heuermann's estranged wife wants his hundreds of guns back, lawyer says (nypost.com)source:Gilgo Beach task force to investigate more missing sex workers | PIX11source:'He just seemed like a jerk' - Virginia businessman recalls bizarre encounter with suspected Gilgo killer Rex Heuermann (news12.com)This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5080327/advertisement

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Today's West Coast Cookbook & Speakeasy Podcast for our especially special Daily Special, River City Hash Mondays is now available on the Spreaker Player!Starting off in the Bistro Cafe, thirteen presidential libraries dating back to Herbert Hoover have released a statement calling for a recommitment to the country's bedrock principles, just as we learn more about a plot hatched by Trump allies to destroy the federal government as we know it.Then, on the rest of the menu, DeSantis' immigration law is worsening labor shortages in Florida, just as the planting season begins; an obscure Trump lawyer stands out as a key witness in the election tampering cases; and, a Minnesota meat processing plant that is accused of hiring child laborers, agreed to pay $300K in penalties.After the break, we move to the Chef's Table where a foreign student has been arrested in Norway on suspicion of espionage, including illegal eavesdropping; and, Egypt's annual inflation rate hit a new record high of 39.7% in August.All that and more, on West Coast Cookbook & Speakeasy with Chef de Cuisine Justice Putnam.Bon Appétit!The Netroots Radio Live Player​Keep Your Resistance Radio Beaming 24/7/365!"I was never a spy. I was with the OSS organization. We had a number of women, but we were all office help."-- Julia Child

Chobani, the yogurt co, just hired a writer… with a $300K salary — The internet thought that pay was outrageous, we'll tell you why it's not.Adidas earnings had a hole blown out by Kanye's Yeezy debacle — Adidas' solution is the Samba (it's not jus a shoe, it's a lifestyle).And a top-performing stock this year? It's Carvana, up 1,000% since May — Because Wall Street believes in forgiveness.Sponsor link: Betterhelp.com/TBOYMudwtr.com/TBOY$CVNA $ADDYYToday's show is sponsored by BetterHelpSubscribe to our newsletter: tboypod.com/newsletterWant merch, a shoutout, or got TheBestFactYet? Go to: www.tboypod.comFollow The Best One Yet on Instagram, Twitter, and Tiktok: @tboypodAnd now watch us on YoutubeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Did you get a degree you don't want to pursue a career in anymore? Are you curious how to build your wealth with multiple income streams? In this episode, Allegra is joined by Factora's Head of Marketing and Wealth Circle alum, Taylor R. They're diving into how she grew her net worth by over $300K in just under 4 years, a breakdown of her income streams, and the numbers behind it all.  Listen to hear: A look inside her income streams and current annual income How she is making over $60K a year in passive income through business equity A breakdown of the numbers behind her $301K net worth What big goals she's working towards - passive income, real estate, and investments  

Dylan Beynon, CEO of Mindbloom, talks about why he started this company, the impact of Ketamine and MDMA therapy in our society, and how this industry is just going to grow bigger in the future. TIME-STAMPED SHOW NOTES: [00:00] - Know more about Dylan Beynon and his company, Mindbloom [02:30] - Why did Dylan Beynon start Mindbloom [06:22] - Dylan Beynon talks more about MDMA therapy [13:30] - Pricing and treatment programs that Mindbloom offer [15:30] - Dylan Beynon's personal opinion on MDMA and Ketamine therapy [22:12] - The largest peer review clinical study for psychedelic and ketamine therapy  [25:20] - The best mental health tool for Dylan Beynon [27:53] - Dylan Beynon talks about Vipassana Meditation [36:00] - Where to find Dylan Beynon and learn more about Mindbloom Go to https://www.marketingschool.io to learn more! Don't forget to help us grow by subscribing and liking on YouTube! Leave Some Feedback: What should we talk about next? Please let us know in the comments below Did you enjoy this episode? If so, please leave a short review. Connect with Us:  Single Grain

Dylan Beynon, CEO of Mindbloom, talks about why he started this company, the impact of Ketamine and MDMA therapy in our society, and how this industry is just going to grow bigger in the future. TIME-STAMPED SHOW NOTES: [00:00] - Know more about Dylan Beynon and his company, Mindbloom [02:30] - Why did Dylan Beynon start Mindbloom [06:22] - Dylan Beynon talks more about MDMA therapy [13:30] - Pricing and treatment programs that Mindbloom offer [15:30] - Dylan Beynon's personal opinion on MDMA and Ketamine therapy [22:12] - The largest peer review clinical study for psychedelic and ketamine therapy  [25:20] - The best mental health tool for Dylan Beynon [27:53] - Dylan Beynon talks about Vipassana Meditation [36:00] - Where to find Dylan Beynon and learn more about Mindbloom What should I talk about next? Who should I interview? Please let me know on Twitter or in the comments below. Did you enjoy this episode? If so, please leave a short review here Subscribe to Leveling Up on iTunes Get the non-iTunes RSS Feed   Connect with Eric Siu:    Growth Everywhere Single Grain Leveling Up Eric Siu on Twitter Eric Siu on Instagram

Join us as we dive into Yolanda Warner's incredible success story, where she shares how she generated over $300,000 in just one year using Seamless.AI. Discover her strategies, tips, and secrets to supercharging your sales with this powerful tool. Don't miss this inspiring episode!SUBSCRIBE TO THE SALES SECRETS PODCASTITUNES ► https://itunes.apple.com/us/podcast/s...​SPOTIFY ► https://open.spotify.com/show/1BKYsQo...​YOUTUBE ► https://www.youtube.com/channel/UCVUh...​THIS EPISODE IS BROUGHT TO YOU BY SEAMLESS.AI - THE WORLD'S BEST SALES LEADSWEBSITE ► https://www.seamless.ai/LINKEDIN ► https://www.linkedin.com/company/seamlessai/JOIN FOR FREE TODAY ► https://login.seamless.ai/invite/podcastSHOW DESCRIPTIONBrandon Bornancin is a serial salesperson, entrepreneur and founder of Seamless.AI. Twice a week, Brandon interviews the world's top sales experts like Jill Konrath, Aaron Ross, John Barrows, Trish Bertuzzi, Mark Hunter, Anthony Iannarino and many more -- to uncover actionable strategies, playbooks, tips and insights you can use to generate more revenue and close more business. If you want to learn the most powerful sales secrets from the top sales experts in the world, Sales Secrets From The Top 1% is the place to find them.SALES SECRET FROM THE TOP 1%WEBSITE ► https://www.secretsalesbook.com/LINKEDIN ► https://www.linkedin.com/company/sales-secret-book/ABOUT BRANDONBrandon Bornancin is a serial salesperson (over $100M in sales deals), multi-million dollar sales tech entrepreneur, motivational sales speaker, international sales DJ (DJ NoQ5) and sales author who is obsessed with helping you maximize your sales success.Mr. Bornancin is currently the CEO & Founder at Seamless.ai delivering the world's best sales leads. Over 10,000+ companies use Seamless.ai to generate millions in sales at companies like Google, Amazon, Facebook, Slack, Dell, Oracle & many others.Mr. Bornancin is also the author of "Sales Secrets From The Top 1%" where the world's best sales experts share their secrets to sales success and author of “The Ultimate Guide To Overcoming Sales Objections.”FOLLOW BRANDONLINKEDIN ► https://www.linkedin.com/in/brandonbornancin/INSTAGRAM ► https://www.instagram.com/brandonbornancinofficial/FACEBOOK ► https://www.facebook.com/SeamlessAITWITTER ► https://twitter.com/BBornancin

Mike Lindell has been under cyber attack every day since his Election Integrity Summit two weeks ago. His call center was also hit with threats. He believes they want to take out his company “My Pillow” so he has no money left to fight to secure our elections. Lindell says it's one of the worst attacks he's had since 2021 after he saw problems with the 2020 election. Lindell believes these attacks are related to a new device he unveiled at his Election Summit, WMD “Wireless Monitoring Device,” that can detect when a voting machine is connected to the internet. Lindell is also financing a nationwide group of 300K people, “Cause of America,” a grassroots effort devoted to election integrity. They'll be looking for criminal activity at the local level and report it to his Election Crime Bureau staffed with cyber experts and lawyers. Mike has also worked to get the RNC to fix it's election platform. The RNC recently voted in 10 resolutions on voter integrity that acknowledge problems with electronic voting systems and supports paper ballots. The RNC now supports the rights of any county and state willing to implement any procedures that do not require the use of machines and instead use paper ballots and hand counting which is fully auditable. Other resolutions include, promoting same day voting, paper ballots and the RNC is against the use of drop boxes. Lindell says the RNC is now standing up for what unites us as a party.GUEST: MIKE LINDELL, “MY PILLOW”See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Josh Reeves, Co founder and CEO of Gusto, joins the show to talk aboutUsing Word of Mouth growth to over 300,000 business customers Battling against payroll giants like Intuit and ADP to build a category leader, and how much attention Josh pays to competitorsHow payroll is evolving, and how Gusto is innovating to support small business on a global scale.The advice Josh gives founders building their first company from his first startup prior to Gusto.

In this week's Espresso, we cover news from Maqui, Magnetis, Yape, and more!Outline of this episode:[00:28] – Heru introduces new AI-Powered tax services[00:42] – Maqui raises $1.5M Pre-seed round[00:53] – Nomad raises $61M in a Series B round[01:06] – BrainLogic AI secures $5M Pre-seed Round[01:21] – Ualá launches savings account in Argentina[01:33] – Yape expands to Bolivia[01:44] – BTG Pactual acquires Magnetis[02:01] – Cumbuca secures $3M in funding[02:14] – Yana unveils generative AI for mental health in LatAm[02:24] – Bebook raises $300K investment[02:37] – Prestamype secures $5M in Pre-Series A funding round[02:50] – Howdy.com acquires GeekHunter[03:02] – Mono introduces corporate cards that don't require a credit review[03:11] – Botanical Solutions closes $13M Series A round[03:23] – Openbank signs alliance with GOcuotasResources & people mentioned:Startups: Heru, Maqui, BrainLogic AI, Ualá, Yape, Magnetis, Nomad, Cumbuca, Yana, Bebook, Prestamype, Howdy.com, GreekHunter, Mono, Botanical Solutions, Openbank, GOcuotasVCs: Marathon Ventures, Factory HQ, Tiger Global Management, Lightspeed Venture Partners, LH Tech Ventures, ALIVE Ventures, Oikocredit.

This week's Pathfinder podcast features Chris Kemp, the founder and CEO of Astra, the publicly-traded launch company based out of Alameda, CA that went public via SPAC in the summer 2021. Since then, Astra's valuation has seen a dramatic decline, plummeting from a peak of approximately $4B to a mere $67M today. Chris paints a vivid picture of two contrasting narratives. On one hand, there's a satellite propulsion business, acquired through the purchase of startup Apollo Fusion, with a 278-engine backlog valued between $70M and $83M (based on an average selling price of $250-300K). This business has a distant, yet potential opportunity to secure contracts that could significantly change its trajectory. In contrast, the launch business is in jeopardy as capital evaporates. Astra's Rocket 4 must not only launch successfully but also prove its consistency to secure significant commercial deals. Many of our listeners are well-acquainted with Astra's struggles, given the numerous reports on the company's launch failures and recent wave of departures. Today, our conversation with Chris primarily focused on the future of Astra and how to think about what upside case may remain for the business. We chat: Rocket 3 vs Rocket 4: why Rocket 3 failed and the lessons applied to Rocket 4The status of commercial and government contracts The state of financing for launch companies Valuing Astra's satellite propulsion business Key lessons learned as CEO What does the future hold for Astra? And much more… • Chapters •00:00 - Introduction 00:56 - Current state of Astra 03:04 - Origins of the business model 07:26 - Key challenges today 11:49 - Rocket 4's specs 16:13 - Contracts with NASA/Space Force 17:09 - Improving reliability from Rocket 3 to 4 21:30 - Rocket 4 engines 24:24 - Importance of strategic partnerships 29:07 - Astra's manufacturing facility 30:03 - What would you have done differently? 33:25 - Bull-case for the prop business 39:15 - Current financial health 41:27 - Team construction and retention 44:10 - What is the investment case for Astra today? 47:03 - Lessons learned as CEO 49:57 - Conclusion• Show notes •Astra website — https://astra.com/Chris's socials — https://twitter.com/kempJohn Walker's "A Rocket a Day Keeps the High Costs Away" — http://www.astronautix.com/a/arocketadayhighcostsaway.htmlMo's socials — https://twitter.com/itsmoislam Payload's socials — https://twitter.com/payloadspace / https://www.linkedin.com/company/payloadspace Pathfinder archive — Watch: https://www.youtube.com/@payloadspace Pathfinder archive — Listen: https://pod.payloadspace.com/episodes • About us •Pathfinder is brought to you by Payload, a modern space media brand built from the ground up for a new age of space exploration and commercialization. We deliver need-to-know news and insights daily to 15,000+ commercial, civil, and military space leaders. Payload is read by decision-makers at every leading new space company, along with c-suite leaders at all of the aerospace & defense primes. We're also read on Capitol Hill, in the Pentagon, and at space agencies around the world. Payload began as a weekly email sent to a few friends and coworkers. Today, we're a team distributed across four time zones and two continents, publishing three media properties across multiple platforms: 1) Payload, our flagship daily newsletter, sends M-F @ 9am Eastern (https://newsletter.payloadspace.com/) 2) Pathfinder publishes weekly on Tuesday mornings (pod.payloadspace.com) 3) Polaris, our weekly policy publication, hits inboxes Tuesday (https://polaris.payloadspace.com/) 4) Parallax, our weekly space science briefing, hits inboxes Thursday (https://parallax.payloadspace.com/)

And Massachusetts is one of the states where they keep they can keep the surplus - if there is any. www.patreon.com/stevelehto

Tim, Ian, Hannah Claire, & Serge join Lauren Brown to discuss Andy Ngo winning in court against Antifa, a viral video of an anti-Trump cyclist setting fire to a Trump sign, Oliver Anthony's "Rich Men North Of Richmond" debuting at number one on the Billboard Top 100, and actor Rainn Wilson slamming the song "Rich Men North Of Richmond." Learn more about your ad choices. Visit megaphone.fm/adchoices

Topics include: -Joe Biden used at least 3 private emails to forward govt business to Hunter; -Hunter Biden almost escaped prosecution until the IRS whistleblowers surfaced; -a record breaking 300K illegals crossed the U.S. border in July -The latest on Tropical Storm Hilary -Hawaiian Electric pursued green energy goals demanded by state regulators while fire mitigation projects were delayed, -Proud Boys member disappears before J6 sentencing More: www.TheCarljacksonshow.com Facebook: https://www.facebook.com/carljacksonradio Twitter: https://twitter.com/carljacksonshow Parler: https://parler.com/carljacksonshow http://www.TheCarlJacksonPodcast.com  See omnystudio.com/listener for privacy information.

Award-winning entrepreneur Beth Kume-Holland is the founder and CEO of Patchwork Hub, a pioneering disabled-led employment platform and recruitment consultancy that's shaking up the industry.As a disabled person, Beth is used to overcoming daily barriers in a world that can feel like it's not built for her. And although these barriers can be physical ones, often the biggest challenges she faces are attitudinal.Despite graduating Oxford, Harvard, and single-handedly securing FTSE100 clients, Beth still experiences discrimination which impacts her business' access to funding. She's previously been in rooms with investors discussing a £300,000 investment, only to have the offer lowered to £30,000 as soon as the nature of her disability was disclosed.At the root of it all lies underrepresentation. Being underrepresented has led to all sorts of misconceptions around Beth's work. Some mistakenly assume that because her solution is built around disability, it must be a charity-focused model or a lifestyle business.On this episode of Sound Advice: Entrepreneurs Unfiltered, Beth takes us on a deep dive into the kind of discrimination she's had to overcome, how she did it, and what you can do to build a more accessible, inclusive business for all. 

Topics include: -Joe Biden used at least 3 private emails to forward govt business to Hunter; -Hunter Biden almost escaped prosecution until the IRS whistleblowers surfaced; -a record breaking 300K illegals crossed the U.S. border in July -The latest on Tropical Storm Hilary -Hawaiian Electric pursued green energy goals demanded by state regulators while fire mitigation projects were delayed, -Proud Boys member disappears before J6 sentencing More: www.TheCarljacksonshow.com Facebook: https://www.facebook.com/carljacksonradio Twitter: https://twitter.com/carljacksonshow Parler: https://parler.com/carljacksonshow http://www.TheCarlJacksonPodcast.com  See omnystudio.com/listener for privacy information.

Another day in the United States of Serfs and Lords. Republican flavor of the month Vivek Ramaswamy cries about the "tyranny of the minority" when forced to treat LGBTQ humans as humans. Giuliani Pocketed Investors' $300K for Anti-Biden Documentary- Lawsuit Like Immature Children, Republicans Pledge to Intentionally Mispronounce Fani Willis' Name as "Fanny". We discuss the madness. _________ Join Rokfin to access exclusive tarabuster content as well as Ron Placone, Lee Camp, and more! https://rokfin.com/tarabuster BECOME A "TARABUSTER" PATRON: www.patreon.com/taradevlin Join the Tarabuster community on Discord too!! https://discord.gg/PRYDBx8 Buy some Resistance Merch and help support our progressive work! http://tarabustermerch.com/ Donate to Tarabuster: https://www.paypal.com/paypalme/taradacktyl

[Explicit Content] Trump is pissed off at Fox and Friends for using a hilariously ugly photo of him. There probably won't be an Election 2020 press conference on Monday. Trump supporters doxed the Georgia grand jurors. Texas woman arrested for threatening Judge Chutkan. Georgia Republican wants to impeach Fani Willis. Rudy is desperate for financial help. Michael Caputo spent $300K on his Trump-Russia defense. Good polling news. Red Hats hate lockdowns but not Trump lockdowns. With Jody Hamilton, David Ferguson, music by C.C. Grace, Razorhouse, and more!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Kathleen opens the show drinking a Mindbender American Pale Ale from Cape Cod Beer. She reviews her weekend in Cape Cod playing a sold-out show at the Cape Cod Melody Tent, starting her time at the end of the Cape in Provincetown seeing Miss Richfield 1981's show, and eating lobster rolls at the famous Lobster Pot. She finished her trip with a day at Martha's Vineyard, visiting the famous Jaws bridge. QUEEN NEWS: Kathleen reports that Queen Taylor Swift has been deemed a hero to the US Food Bank system, “GOOD BAD FOOD”: In her quest for delicious not-so-nutritious food, Kathleen samples Wise UPDATES: Kathleen gives updates on WeWork's plummeting stock and inevitable bankruptcy, a US judge sends FTX's Sam Bankman-Fried to jail over witness tampering, and 100 employees at BetterUp have been laid off while Prince Harry collects his seven-figure “ambassador” salary. “HOLY SHIT THEY FOUND IT”: Kathleen is amazed to read about the discovery of a 300K-year-old skull linked to the extinct Denisovan species and a new creature with 20 arms has been found lurking in the Antarctic sea. FRONT PAGE PUB NEWS: Kathleen shares articles about Colorado getting its first Buc-ee's, Zuckerberg dismisses Elon for avoiding a cage fight, a newly identified pack of endangered gray wolves are roaming in Sierra Nevada, the Milwaukee Brewers could move to another city after the 2023 season, a woman is attached by a vicious river otter in Montana, the number 1 worst US state to retire in, an Appalachian farmer who lives off the grid is looking for a wife, and short-term rentals such as Airbnb Dream are becoming harder to make profitable. WHAT TO WATCH THIS WEEK: Kathleen recommends watching “Painkiller” on Netflix, and her new stand-up Special “Hunting Bigfoot” on Prime Video.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Try Notion AI for free at https://www.Notion.com/wan White noise is the right noise! Check out SNOOZ at https://lmg.gg/snooz Add a little fun and personality to your printed products! Check out VistaPrint at https://lmg.gg/vistaprint Timestamps (Courtesy of NoKi1119) Note: Timing may be off due to sponsor change: 0:00 Chapters 1:53 Intro 2:27 Topic #1 - xQc's "reaction" called out 4:04 Reactors' impact on viewership, transforming content 6:38 H3H3, Linus's history, xQc & Hasanabi criticism 8:42 Ethan's debate, xQc replies with "the worm" 10:08 xQc leaking his DM with Ethan, LTT's GPU meme 11:06 Drama, Linus's thoughts on xQc's invalid defenses 16:15 Danger of "supportive" people ft. Linus's & Luke's story 24:39 Linus's community ft. Rod, Brian, Ed 27:56 Whose fault is this? What is the fix? 33:16 Topic #2 - CNET removing old articles 33:43 Linus on the difficulty of looking up stuff online 36:03 CNET's representatives answers, Google's tweet 38:52 Linus polls chat, archiving the internet 43:14 Merch Messages #1 44:58 Clear screwdrivers ETA? ft. "40k backpacks," reinventing the wheel 51:27 LTTStore's new keyboard pin 54:54 Linus on the store's product photography 58:14 Linus's home theater ft. EP, tapes, collectibles, Barbie merch 1:14:36 Linus explains reasoning behind C$ on LTTStore 1:16:54 Pins sold, TS' cassettes, 1st gen iPod 1:20:28 Linus sees the pin colors, C$ 0.01 more 1:21:25 Topic #3 - Bots do CAPTCHA better than humans 1:22:34 Possible alternatives, Luke discuss passwords 1:26:32 Topic #4 - ShortCircuit's Pwnage mouse video edited 1:30:25 Sponsors 1:35:53 LTTStore's weekly deal ft. Dan is getting powerful 1:38:07 LTTStore products on Amazon, Linus V.S. Linux 1:41:13 Topic #5 - YouTube limits links on the platform 1:43:38 Hipyo's tweet on YouTube's decision 1:43:48 Amazon screwdriver seller is NOT LTT 1:45:33 "This ends channels," YouTube V.S. TikTok 1:47:29 Linus on Shorts revenue, scams, account breaches 1:50:59 Linus on comment's visibility, hearts, pinning 1:53:46 Jeff corrects Linus about betting ft. Timestamp guy 1:59:29 Merch Messages #2 2:01:12 YouTube Shopping & revenue 2:03:37 Floatplane's development history 2:09:14 Put in charge of Federal internet funding, what would you do? 2:11:52 What would it take for Starfield to be a success for Luke? 2:14:04 Should Linus edit a video? ft. Who would Luke backup? 2:18:08 Topic #6 - $300K of M:TG cards stolen 2:20:36 Experience, revenue from TV, strikers, unions 2:25:48 Topic #7 - Intel "Downfall" vulnerability 2:26:57 Topic #8 - A.I. can read your keystrokes 2:31:09 Merch Messages #3 ft. Accidental outro, WAN Show After Dark, extra bins 2:33:12 Impact of LTT's reviews on your relationships ft. Linus & Luke reminiscing their past 2:57:27 Steam Deck's impact on third party launchers 2:59:25 WAN Show on-time ft. Linus's family, gifted people, Yvonne, work culture 3:24:48 Do you ever get tired of your job? 3:26:34 Thoughts on branded hardware? 3:30:34 Favorite CPU socket & peripheral connector? 3:31:22 Challenges with NVIDIA & recording a live event 3:35:14 Luke's advice on owning budgies 3:37:30 How many LTX-edition screwdrivers have you sold? 3:41:17 LTT LTX staff pins history ft. Nick's e-mail 3:44:23 Auction items that you were saddest to see go? 3:45:06 Pointless A.I. implementations? Pointless A.I.? ft. Hackathon, driving Linus home 3:49:12 Is Luke doing more reviews due to FP or the CEO? 3:50:58 Why has Samsung's phone box gotten bland? 3:52:48 Lux backpack update 3:53:59 Where to put the Steam Deck in a backpack without a case? 3:55:42 Changing Linus's midname to "Tech Tips" after purchases from LTTStore? 3:57:06 Do you see LTT merch as a reflection of yourself? 4:00:59 An experience you wanted to have but had to turn down? 4:02:18 Brandless LTT backpack? Video without excessive LTTStore branding? 4:03:42 Outro

Lets take a look at how The numbers of sales and listings for houses and condos on August 1st, stack up against the previous month, and also against the previous year.  For sales figures, we look at the sales that occurred during the month of July, but this year, and 2022. Currently in Winnipeg, we have 1282 houses listed and available on the MLS,  That's up from the 1196 on July 1st, and its actually VERY similar to the number of houses available on Aug 1st LAST YEAR, which was 1263. During the month of July, we sold 693 houses in Winnipeg, with an additional 17 still showing as ‘Pending' so a potential total sales of 710. Compare that to the 843 sold in June, and you can see we're down  around 15% over the previous month. Even more important however, is comparing the stats year over year.  So the number this year was 710, in in July '22 that number was 789,  so we are down 10% over last year as well. In addition, Winnipeg REALTORS reports that the average detached home price is up 2% from same period last year. During July we sold 8 homes at 1 million and more.  The most expensive home sold was in Tuxedo at 4.7 million, and it only took 14 days on the market. To summarize the housing market, let me say this:  The numbers of available listings are at a normal level, while sales are down 10 to 15%.  Winnipeg is currently a much more buyer-friendly market, especially in the 250K to 500K range.  Sales in THIS range are actually down 20%, which makes it a little easier for buyers to find and get a home.   So now lets turn our attention to the condo market in Winnipeg. On august 1st,  we have 369 Condos available for sale, which is up from the 349 on July 1st.  This year's 369 is very comparable to last years 365, so the amount of available inventory is pretty stable, year over year During July we sold 171 condos with another 13 showing as pending, so a potential total sale of 184 units.  While that's down 10% from the 206 we sold in June this year, its actually UP 10% from the 160 units we sold in July of LAST YEAR. This year, condos have been bucking the prevailing trend, and have outperformed houses in Winnipeg.  I maintain that a 300K condo will be a nicer place than a similarly priced house. And with interest rates a little higher than we've been used to, condos offer a reasonably priced alternative to houses in Winnipeg.

On today's episode the gang discusses: 1) 'Cinderella' Actor Billy Porter Claims Actors Strike Forced Him to Sell His House 2) Death of Kidfluencer Lil Tay is Being Called A HOAX 3) Sydney Sweeney SLAMMED For Appealing to the Male Gaze 4) Travis Scott & Kanye Rome Performance Leaves 60 Fans Injured 5) Pro Mask Swifty Goes Viral For Crazy Precautions at Taylor Swift's Eras Tour Learn more about your ad choices. Visit megaphone.fm/adchoices

Totalitarian states do not tolerate Christians who believe in God because they see it as a threat to their power. Gabriel Rench is here to celebrate his recent victory after the city of Moscow, Idaho settled a lawsuit after violating his right to religious freedom. The U.S. Women's soccer team is full of feminists who hate America. Bestselling author and founder of the Foundation for Liberty and American Greatness Nick Adams is here to talk about the epic failure of the U.S. women's soccer team at the World Cup. What is Obama hiding in the mysterious paddle boarding death of Tafari Campbell? Susan Daniels is here to talk about the death of Obama's personal chef. Whether it's Covid brain fog or long Covid caused by the vaccine bioweapon you can fix it with Nootopia products at http://Nootopia.com/Stew Mr. Noots, AKA Mark Effinger, joins Stew to talk about brain fog and what you can do about it. Watch this new show NOW at Stewpeters.com! Keep us FREE and ON THE AIR! SUPPORT THE SPONSORS Below! Protect your retirement, Visit our friends at Goldco! Call 855-706-GOLD or visit https://goldco.com/stew Kick-ass Chuck Norris has now released a morning KICK! Try it HERE: https://americareadysupply.com/stew Gun Holsters, BIG SALE! Just go to https://www.vnsh.com/stew and get $50 OFF! Keto, Paleo, Guilt Free Cocao, eat chocolate, and still lose weight: https://earthechofoods.com/stew Clean up your AIR with these high quality air filtration systems, and protect yourself from shedding: https://thetriadaer.com/ Check out https://nootopia.com/Stew for help increasing your mental & physical strength to battle the deep-state's KRYPTONITE plot against Americans! Magnesium is VITAL for sleep and stress, Get high quality magnesium and support the show with using Promocode STEWPETERS10: https://magbreakthrough.com/stewpeters High Quality CBD, Check out: https://kuribl.com/ Use Promocode STEW20 for 20% off your order or premium CBD! Pandemic Preparedness and Are YOU Prepared for the next pandemic? Pandemic Preparedness kits: Https://pandemicprotocol.com Antarctic krill Oil is a lifesaver, FIX your inflammation today at https://StopMyInflammation.com Help Stew Fight Back Against TheLGBTQ Mafia With His Legal Fund: https://givesendgo.com/DefendStew Go Ad-Free, Get Exclusive Content, Become a Premium user: https://www.stewpeters.com/subscribe/ Follow Stew on Gab: https://gab.com/RealStewPeters See all of Stew's content at https://StewPeters.com 

Es-tu prêt.e cet été à découvrir des solopreneur-es d'exception? Cette semaine dans le Solo Show, on continue l'exploration de business modèles de solopreneur·es avec Nina Ramen. Cet épisode sera une nouvelle plongée 100% transparente dans les coulisses d'une solo à +300K€ ! Dans cet épisode, Nina nous dévoile à travers son expérience

Sharply higher insurance premiums are affecting property owners nationwide. It's especially bad in: CA, LA, FL, TX and CO. This is due to erratic weather (climate) and higher rebuilding costs.  Phenomena like an increasing intensity and frequency of hurricanes, tornadoes, wildfires, and floods are sending some insurers out of business. State Farm and AllState completely stopped issuing new homeowner policies in California. Some areas are on the brink of becoming completely UNinsurable. In that case, the only sales that could occur with all cash buyers. Learn three techniques to keep your skyrocketing insurance costs lower. As you'll learn today, landlords have more options than homeowners for navigating spiking insurance rates. Then, listen to a CNBC clip along with me about how the end of ZIRP (zero interest rate policy) affects your life and investments. Resources mentioned: Show Notes: www.GetRichEducation.com/461 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE 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:   Welcome to GRE! I'm your host, Keith Weinhold. First, I'm going to help you make your real estate more profitable in the near term as I discuss how to deal with skyrocketing property insurance costs.    Later, I'll inform your strategy about your long-term, overall personal finance as we talk about what the end of free money means in this new era of higher interest rates. Today, on Get Rich Education. ____________   Welcome to GRE! From Tirana, Albania to Albany, New York and across 188 nations worldwide, I'm Keith Weinhold and you're listening to Get Rich Education.   This is how real wealth is built in the real world with real estate. We aren't day traders. We are DECADE traders.   And we do that with the right mission. Let's invest directly in America - own real property in American neighborhoods, and provide housing that's clean, safe, affordable and functional.   And when we all do that, we can abolish the term “slumlord”.   Conversely, what do some people think about first? Themselves.   [RIC FLAIR CLIP]   Ha ha ha! Over the top with some vintage Ric Flair. There's nothing wrong with living well. But that best comes as a byproduct of serving OTHERS first.   Let's talk about the SKYROCKETING cost of property insurance. Why it's happening, what MY experience is, and what you can do to manage it.   First of all, and I hope that none of my insurance agents are listening, but why would you ever work in the insurance industry?    And I kid. But that's got to be one of the most boring industries to work in.   What 15-year-old ever says that when they grow up, they want to be an insurance broker? Nobody.   But, in any case, it is a STABLE industry because there will long be a need for insurance.   But, I mean, even your customers - the policyholders like us - we don't really want insurance.   Insurance ads all say the same thing: “Switch and save.” No one has seen an advertisement from this industry that says, “Upgrade for better coverage.”    That's because so many people just want the minimum coverage and want to get on with their lives… until a calamity occurs.   But now, the insurance industry has gotten SOMEWHAT more interesting lately, the effects of which center around erratic weather… maybe you like calling it climate change, maybe you don't.   But suffice to say, if erratic weather persists, then it's no longer erratic, rather, it is, in fact, a pattern, and then, a change in a region's climate.   The intensity & frequency of storms is increasing. I'm talking about weather phenomena like hurricanes, floods, wildfires, tornadoes, and even high snowfall.    Inflation also means that there are rising COSTS to rebuild.    And RE-insurance costs are higher. Yes, your insurance company gets insurance from insurers themselves, called re-insurance. Re-insurance companies insure insurers.   Everyone knows State Farm's jingle. “Like a good neighbor, State Farm is there.” No, State Farm is gone.    State Farm is the largest home insurer in CA. So they're the largest home insurer in the most populous state.   Well, you might have heard a few months ago that they're completely stopping issuance of new home insurance policies in all of CA. And AllState followed shortly afterward.   Persistent wildfires are a culprit there.   Insurance companies can't make any money so it's hard to blame them.   Well, why don't they just, say, double their premiums? Some sure have. Others can't because of competition for lower rates from other companies.    But a lot of SMALLER insurance companies - including many in Florida - have done just that. They've gone out of business… and when there are fewer companies in business - less competition - that's when rates can get jacked up high.   Insurance rates are up the most in many of the states that have the greatest incidence of hurricanes, floods, and wildfires.   What are the states where rates are rising most?    CA, LA, and FL. And after that, TX and CO too, and some other states.    TX is one state that's subject to both hurricanes and tornadoes - hurricanes in SE Texas - Galveston, Houston and Corpus Christi.   And tornadoes in NE Texas, like Dallas-Fort Worth.   So, when hazards happen, losses can occur. That's why your lienholder - your mortgage holder - forces you to have insurance. They require you to have it because they're not willing to take that risk.   Louisiana's problems with insurers REALLY compounded a few years ago when Hurricanes Delta, Ida, and Laura hit the state. That created a true crisis in Louisiana's insurance market.    A lot of insurers just left with $24B in insurance claims during that period. Others in Louisiana stopped issuing new policies and increased the premiums on the existing insured homeowners.   Now, I'm going to center on the homeowner's insurance problem in Florida soon, because Florida is a popular investor state, I own a lot of rental properties in Florida and I'll tell you about my personal insurance experience there shortly.    When it comes to wildfires - which are often spurred by hot, dry, and windy weather conditions, some areas are on the brink of becoming completely UNinsurable.    California has a bunch of regions like that. And other places like Bend, Oregon and Boulder, CO are in danger of insurance denial because the homes are surrounded by forest.    If that happens there, the only resale market for the properties would be to all-cash buyers, unless the state ever comes in to buy them out since people were ALLOWED to build there in the first place.   Now, notice that I haven't mentioned earthquakes yet. Earthquakes aren't related to the surface weather like hurricanes and wildfires and these other things are.   Earthquake insurance, which many people have in places like CA, WA, OR and AK is often a completely SEPARATE policy from your standard homeowner's policy and EQ insurance is prohibitively expensive.   Besides that, their deductibles can be high, like 10 or 20%. If an earthquake completely destroys your $500K home and you have a 20% deductible…   … then to even make a claim, you'd need to come out of pocket $100K first - plus you'd be paying high premiums all that time just to have that condition!   Anchorage, AK had a big magnitude 7.1 earthquake back in 2018.    I was in Anchorage when it happened and I told you about that here on the show back then. I was pretty shaken up.    At the time, I owned dozens of apartment units in Anchorage. I don't anymore. I had, maybe $40,000 of out-of-pocket cosmetic damage that I had to pay from that one earthquake.   Lienholders DO not make EQ coverage a necessity, and 25% of Anchorage homeowners had coverage before the quake. It went up to 35% afterward.   Fortunately, the top cash flow REI areas don't tend to be in the west coast of the United States.   So, how high have some of these insurance premiums gotten in states known for disasters?   Well, the average is about $225 per month in LA. In TX, it's $250 per month on their average $300K home, and in Florida it's about $325 monthly on a $300K home.    Of course, that's going to vary by what region of the state you're in and distance from the coast and such.   One weather phenomena that I haven't seen any evidence of in contributing to higher insurance costs is heat itself.    This summer, Phoenix hit a new record for consecutive days that exceeded 110 degrees Fahrenheit. That went on for weeks on end.   But heat in itself, and its resultant air conditioner use and power load - is not something directly attributable to escalating insurance costs, unless power load problems start a fire.   Now, you keep hearing about climate migrants moving to more northerly places with access to a lot of fresh water like Minnesota, Michigan, and Wisconsin.   But these stories seem to be largely anecdotal and of little impact.   The faster-growing areas continue to be in the Mojave and Sonoran deserts - that's Las Vegas and Phoenix - places with lots of heat, rising heat, and dry conditions.    And despite what you might think, they're not going to run out of water anytime soon.    Those deserts actually have a lower incidence of natural disasters too, which is one reason why they've built new microchip plants in Phoenix.    Climate migrants moving north might be a thing at some point - but it still is not.   Well, speaking of hot in-migration states, Florida has had a LIGHT hurricane season so far. But that's not the kind of thing that we can count on for long.   Rates have gone up more than 50% throughout the state of Florida, with ALL insurance carriers.    Carriers are either pulling out of the state (because its not profitable for them), or they're increasing rates across the board, or they're not renewing policyholders.   Now, I've had my rates hiked up on my Florida properties more than once.    There, it's often because an insurance company goes out of business due to too many claims, and then I have to switch to another landlord's policy carrier that always has higher rates.   So here's what happens. I get a notice in the US mail that my current insurer on a Florida rental SFH - call them Insurer A - is going out of business in 5 months and that I have 5 months to find a new insurer - call them Insurer B.   So I take a photo of that notice and forward it over to my Florida insurance agent and ask them to give me quotes for my new prospective Insurer B.    Now, say that if you don't do that.    If you don't ask your insurance broker or agent to get you a new policy, if you don't act, here's what happens.   Say that the 5-month deadline approaches and you still don't have new coverage lined up.   Your mortgage holder, call them Wells Fargo or Chase, they'll send you a notice in the mail and remind you that it's required that you have insurance in place – because Wells Fargo or Chase doesn't want to be on the hook for the risk… and if you don't get a new insurer - Wells Fargo, say, will buy a policy FOR you & make you pay it.   And the insurance that they buy for you will have lesser coverage and cost way more.   It seems like, whoever the bank is, they always tell me that they're going to buy me an ultra-pricey policy with Lloyd's of London.   So again, it doesn't entail too much work on your part. If your insurer is going out of business or just doesn't want to issue you a new policy, share that notice with your insurance person and ask them for new quotes. That's a quick, easy thing to do.   And then, when you switch insurance companies, your PM must submit photos of your rental home to the new insurer within something like 15 days.   Over the past few years, I think I've had Florida properties where the premiums have been hiked up steeply twice. I seem to remember a complete doubling a year or two ago.   More recently, I had 30% rate increases on some of my Florida rental properties.   So how much am I paying now? Well, on one Florida rental SFH that has a market value of about $300K, I'm paying $330 per month.    Of course, for your long-term rental properties, your landlord insurance contract should provide what's called “loss of rents,” coverage.   That's something that OO homeowner's policies don't have.    That means that if your property is damaged and your tenants are displaced, your insurer pays the fair market rent to you since the tenant won't. That's typically capped at 12 months.   On your STRs - like AirBnBs and VRBOs, the coverage that you want is called “lost business income” with no time limit. And that might take an upgrade to a commercial insurance policy for STRs.   Alright, so let's get to something actionable. We are real estate investors for the production of income.   So amidst what are perhaps UNPRECEDENTED increases in insurance premiums these last few years, how do you navigate this, and what do you do to stay profitable?   Well, whether you're an OO or a rental property owner, you can do things like make sure that your coverage is appropriate.   You can raise your deductible amount to reduce your annual premium, of course.   The more financially strong that you are, the higher you can make your deductible because the less a claim is going to impact you.   But as a rental property owner, you have a FEW LEVERS that you can pull that OOs cannot.   The big one - is that this is your cue to RAISE THE RENT.   Yes, higher insurance premiums point to raising the rent.    Really, this is like a game of hot potato… and it is your job to pass along the potato. That's all that you're doing here.   See, the reinsurer raised rates on your property insurer.   Your property insurer is raising the rate premium on you, the property owner.   Now it's your job to pass along the hot potato to the tenant in the form of a rent increase.   Then your tenant has to pass along the hot potato by asking their employer for a raise or finding new employment.   And it keeps going, now your tenant's employer needs to pass along the higher labor cost in the form of raising consumer prices on the goods or services that they produce… and it continues throughout the economy.   That's how inflation works.   It's your job to pass along the hot potato.   What if the tenant leaves? Well, there's always that possibility.    But if they go to rent or buy a “like” property, it's still going to have the same higher insurance cost that they'd have to pay.   For help with that, and this is the second time that I referred back to this recently, in Episode 449, just twelve weeks ago, I provided you with 12 ways to raise the rent. Again, that's Episode 449.   You always want to provide a REASON to the tenant about why their rent is increasing, say 5% in this case for example.   Nothing beats the truth. Your insurance costs are higher. That's the reason.   Now, you might be wondering, if, say, insurance costs just rose 30%, like they did on one of my own properties recently, then how is a 5% rent increase going to offset that?   That's because your rent amount is multiples more than your monthly insurance amount.   If your rent on a property goes from $2,000 to $2,100, that's just 5%, but it's a $100 increase in your income.   If your monthly insurance cost goes from $200 up 30% to $260. That's a $60 decrease in your income.   You have a $100 gain from rent and just a $60 deduction from your insurance increase, and you've more than offset it. It's THAT effect.   Now, what if your numbers don't work for raising the rent though? As an income property owner, you have other levers that you can pull that are less palatable as an OO.   That is, can you sell the property? If you're in SFRs, there is a big buyer appetite for them.   And in just the past three years, there's been so much appreciation that you might have a lot of equity such that you can trade it up for 2 SFRs.   Now, new-build properties in a place like Florida have substantially lower insurance costs than older properties, because new-build properties are built to more stringent wind resistance requirements.   So you might trade up your older, existing Florida property in this case for a new-build property that has lower insurance deductibles.   Insurance costs ALONE rarely drive investment decisions. But it's the fact that you'd get to reposition dollars at a higher leverage ratio at the same time.   But now, if you've owned the property for, say 2 years or more, you might lose your ultra-low rate mortgage that you got a few years ago.   You need to run some numbers and see if it's worth giving up your low mortgage rate in order to get more leverage and lower insurance premiums. That's the trade-off.   See what works best for you.   So, your first lever is clearly to just raise the rent on your existing properties that have higher insurance rates.   To summarize what you can do to meet higher insurance premiums is:   #1 - Raise the rent. #2 - Tilt your portfolio into more NEW-BUILD properties in some markets, and #3 - Increase your deductibles.   They are the actionable takeaways that I really wanted to share with you today.    Keep investing. Tweak your strategy where you need to. Be sure that your tenants are taken care of.   And after that, remember, that it's common that when you have an insurance CLAIM, that you often profit from the event when your claim pays more than your actual losses were.   Coming up shortly, the 15-year Era of Money for Nothing is Over. How does this new era look and how do you adjust to it?   There is more real estate news and more that impacts your personal finances every week that we can cover in one big, weekly show here.   Strip Malls are Hot (yes, really) Strip malls are hot, Old Houses are Now as Valuable as New Houses, and Zillow predicts 6.3% HPA from June of this year to June of next year.   More details on stories like that, as well as my breakdowns of developments like that are in our Don't Quit Your Daydream Letter. You can get it free. Just text “GRE” to “66866”.    Actionable real estate guidance, breaking news, and a dose of my dorky, cornball humor are all in the letter.   Get it free by texting “GRE” to 66866. More next. I'm Keith Weinhold. You're listening to Get Rich Education. _____________   Welcome back to Get Rich Education. This is Episode 461. I'm your host, Keith Weinhold.   The United States is entering a new economic era. 15 years of access to nearly FREE MONEY has come to an end.   Let's listen in to this terrific CNBC compilation where you'll hear the voices of a number of economists, reporters, and directly from people that used to work at the Fed… on what this all means with the end of Fed Funds Rates at zero - the good and the bad.   Some familiar voices that you'll hear include CNBC's Steve Leisman.   And, near the end, Former Fed Chair Ben Bernanke.   This is about 12 minutes in length and then I will come back to comment.   [CNBC Clip]   Let's remember that economies work slowly. There are lag effects. The Fed began hiking rates in March of 2022.   And higher rates are only starting their job, not finishing.   Today, higher insurance premiums and a higher cost of MONEY (which is what interest rates are) are trends to navigate.   With both, if you're a landlord, you can raise the rent.    Longer-term, have that 30-year FIRD. Just that plain, vanilla loan in most cases. Nothing fancy.    That's because, living in the US has many benefits, like stunning national parks, seedless watermelon, and pizza with cheese baked into the crust.   But it's got something even better, even better than fixing your rate for 30 years. It's that ability for you to refinance as soon as rates drop.   You get to alter the deal whenever it's best for you whenever you're in residential real estate.   Well, at the end of the show, I've learned that you're often thinking “I want more. How can I get more content like this without having to wait until next week?”   I often like to leave you with something actionable at the end. Get our Don't Quit Your Daydream Letter. I write every word myself. You can get it free right now. Just text “GRE” to “66866”.    Until next week, I'm your host, Keith Weinhold. DQYD!

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Great couple calls! Sturgeons are big! DeSantis black historians, "far right"? Various news stories: Nuclear, movies, Hassan chimes in. The Hake Report, Tuesday, August 1, 2023 AD TIME STAMPS * 0:00:00 Start / Topics* 0:04:00 Hey, guys! Beta tee (JLP vs Ridley-Thomas)* 0:09:17 DIANTE, FL, BQ: What is your nature?* 0:12:55 HASSAN vs DIANTE on genetics* 0:19:57 Zherka v JLP on Fallen State: Trinity, Jesus God?* 0:31:20 What's a sturgeon? Supermoon tonight* 0:37:03 Giant X ex-Twitter removed. Word got out!* 0:42:57 Trump v Biden: Corrupt foreign money? Scott Adams* 0:50:21 DeSantis FL slavery history: Libs, black RINOs trip* 1:14:30 Acquiesce - Stavesacre (1997, Absolutes)* 1:21:34 Supers: Tony from CA: You reap what you sow!* 1:25:56 Supers: SCOTUS word count; Civil Rights EEOC mess* 1:31:55 Shopping CVS in Democrat city: Glass cases locked* 1:37:00 Trucking business Yellow closes, 300K drivers* 1:39:22 Nuclear for me, not for thee: US to Russia (Hassan)* 1:46:05 Juul vapes may check ID/age (Hassan, DRM)* 1:49:56 AMC big week: Barbie and Oppenheimer* 1:50:50 JUSTIN, CA: Demigods govt ban menthols* 1:55:05 Acquiesce - Ghoti Hook (1998, Songs We Didn't Write)BLOG https://www.thehakereport.com/blog/2023/8/1/the-hake-report-tue-8-1-23 PODCAST by HAKE SubstackHake is LIVE Mon-Fri 9-11 AM PT (11AM-1PM CT / 12-2 PM ET) - Call-in: 1-888-775-3773 - thehakereport.com VIDEO  YouTube  |  Rumble*  |  BitChute  |  Facebook  |  Twitter  |  Odysee*  |  DLive  |  Kick  PODCAST  Apple  |  Spotify  |  Castbox  |  Podcast Addict  |  Pocket Casts  |  Substack  (RSS)  *SUPER CHAT on asterisked platforms, and/or:  Ko-fi  |  BuyMeACoffee  |  Streamlabs  SUPPORT / EXCLUSIVES  Substack  |  SubscribeStar  |  Locals  ||  SHOP  Teespring  SEE ALSO  Hake News on The JLP Show  |  Appearances elsewhere (other shows, etc.) JLP Network:  JLP  |  TFS  |  Church  |  Hake  |  Anchor Baby  |  Joel Friday Get full access to HAKE at thehakereport.substack.com/subscribe

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