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Keith is joined by Jim Sheils, a seasoned real estate investor and builder who specializes in new construction and co-living properties.  Together they explore why traditional long-term rentals are struggling to cash flow and how co-living—renting individual rooms in purpose-built homes—can dramatically boost returns.  Jim breaks down how the model works, who the typical tenants are, and why platforms like PadSplit are essential for management, compliance, and steady occupancy.  Their discussion highlights how co-living can simultaneously address the affordable housing shortage and today's "cash flow crisis" for real estate investors. Episode Page: GetRichEducation.com/617 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. For the first time ever on the show, we're talking about what some call the greatest real estate cash flow strategy today: co-living. Learn about what it is, what it is not, the pitfalls to avoid, and just how terrifically profitable co-living property can be today on Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com.    Speaker 1  0:59   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:15   Welcome to GRE from Dover, Idaho, to Dover, Delaware, and across 188 world nations. You're inside Get Rich Education nation. I'm your host Keith Weinhold. For about five years now, it's been harder to make the cash flow numbers work on long-term rentals, and that's because sure rents are up, but not as much as expenses are, and that's why for your regular income properties, builders buy down your mortgage rate for you so that it works. But now enter co-living properties, and your cash flow can be multiples higher. In fact, today we're going to talk about a model that has seven times the cash flow of a regular long-term rental, for example, instead of renting a detached single-family home to one family, if instead you divide it up into six bedrooms and rent each one of the six bedrooms to an individual, you will drive substantially more income. You've got six rent checks instead of one. That's what a co-living property is in general, and you're usually renting it to tenants that are working a lot. They're away from the property. It's often run through pad split. You'll learn more about what that means. And though co-living is lucrative, you still need the right market, the right layout, the management, which is really key here, and the right operating model. Today, we'll talk to a GRE Marketplace operator that provides co-living properties to investors like us with a management solution. And as you'll see, it gets even better than that. Although they serve just one geographic area in the U.S. which happens to be an investor advantaged area, as you'll see, this is conducive to out of state investors. If you want to own there, we're talking about co living income property today. Next week, there's something vital I want to tell you about, and I can't wait to do that. It's about the way that I talk when I meet a 25-year-old, and I learn that their only source of income is as an employee at a job. And no matter what age you are, what I'm going to share with you is going to apply to you too, and it's pretty transformative. That's next week here on the show. As for today, let's learn about co living. Jim Shields is here. Jim, welcome back to the show.   Jim Sheils  3:56   Keith, good to be here. Thanks for having me.   Keith Weinhold  3:58   Well, Jim, we saw each other in person a few months ago at a conference. I wanted to have you back here today to discuss co living since you're involved in it and you help other investors learn about it. And now you even started providing properties for co living specifically for them. And you know, Jim, with co living, I have seen models in the past where, oh, a single-family home it might be retrofitted, renovated to say have six bedrooms and three bathrooms, and that way you, as the owner, you could rent it to six tenants, really who are each only renting a room rather than renting the whole place to one family. In this way, tenants get cheaper rent because they're only renting one bedroom, and then for the owner, this gives them stronger cash flow because they're renting it to six different parties and not just one. So, with affordable housing really being a struggle for so many, you know, co-living is. Really taking off. So tell us more about what co living is and what it isn't, Jim.   Jim Sheils  5:05   Yeah, co living was something that was brought to us by one of the owners of Pad Split. Actually, they had met me and worked with me on other new construction projects, and and kind of my evolution, as you know, Keith was I I went from doing a ton of fixer uppers for many of years to new construction, and both can get you where you want to go. But I like new constructions. But meeting some of the owners of PadSplits, I found that they were starting to have the same struggles that I was when I was rehabbing a lot of homes. You know, it's not easy to take a three bedroom or four bedroom home and turn it into an eight bedroom or a seven bedroom, and so you know, starting from scratch with new construction, we're able to set up for what they're trying to create, and what they're really trying to create with co living is that affordable housing crisis. There's a lot more single individuals out there not looking for you know whole, not needing whole family dwellings to live. They're more at a basic income level that you know keeps them quite a bit below being able to rent. Like here in Jacksonville, the average price of a one-bedroom apartment is just outside of their qualifying range. So they might have a good job and decent credit, but they can't qualify. So what we've seen co-living do, and again, working through our our management partner of Padsplit, is they are bringing in this system of putting people together in one home, still with the screening, still with certain amenities that you know really help the property get seen, wanted, and rented, and then certain managerial things, where you're providing good options for living in areas that need more affordable living, and for landlord investors like ourselves, you're providing now a new opportunity to beat what I've called the cash flow crisis. You know, we have an affordability crisis, but that's also created a cash flow crisis, Keith. As you know, and the numbers that we've been able to see are quite advantageous for both the renter for the amount they pay and for the owner for the amount they're going to cash flow. And that's what I'm seeing this new co-living movement is about. It's really landlords taking a new risk on a certain type of property and tenants getting a type of property that fits their income and their needs.   Keith Weinhold  7:27   You know, Jim, philosophically, I'm thinking about assisted living homes, and when society changed sometime last century, assisted living homes became more of a trend where a lot of times that's where the elderly people went. Now we have co-living, and you kind of wish the world would be a place like where you know someone freshly out of high school or college could be married and have children, and you know just one or two jobs could float and support that family, and they would be able to afford their own home, either to own or rent. But increasingly, that's just not the world that we're living in. It hearkens back to multi-time GRE guest and legendary investor Jim Rogers. To paraphrase Jim Rogers, Jim Rogers said, "I need to invest in the world with the way that it is, not the way that I want the world to be. That's one thought that keeps coming to mind with co-living.   Jim Sheils  8:29   Yeah, for me too. Honestly, Keith, when I first heard about co-living, it was a few years ago. Someone saw me speak at a mutual event similar to one we last saw each other at. I got off stage, and they came up to me and they mentioned to me we're doing these things called co-living.   Keith Weinhold  8:44   Yeah.   Jim Sheils  8:44   And I was kind of blinded. I was looking backwards instead of forwards, and I said, "Oh, that doesn't sound right. That doesn't sound like it could work, you know. And I had a lot of what ifs, and how do you handle this? Well, you know, as the niches really started to solidify and show real wind at its back, all those questions and doubts I had have been answered, and I've kind of become a believer in why it's working and also the results. You know, for us, build right, finance right, manage right. That's always been our model. That's what's going to help us and our investors succeed. Building it right and managing it right. We had to figure out, but figuring that out-that's key. And it's very cool to see investors today breaking the norms of saying, "Well, you know, we can't have cash flow anymore on a nice new construction property in a growth market like Jacksonville, Florida. You can't have good cash flow. Well, that's just not true with co living coming on because again you're answering the call of a forgotten tenant and their needs.   Keith Weinhold  9:46   Yeah, I just think for any thoughtful investor, it's got to give them pause. But this is where society has gone. Well, we're going to talk about how profitable co living is for investors later. But first, tell us more about the nuts and bolts of how co.   Jim Sheils  10:01   Yeah. So the way that it works is, first of all, you start, you know, again going with our model, build right, finance right, manage right, building it right. When you're starting with new construction, you're able to go into the property with all eyes open, without a lot of surprises, and you're able to build it right to the design that a co-living property of success would entail. You know, we're doing seven bedrooms, seven baths. We're doing 14 bedrooms, 14 baths. We're doing 20 bedrooms, 20 baths. These are all things that we worked with the owners of Padsplit as they've worked and researched areas all over the country, starting here in Northeast Florida. But what we're doing, we figured out exactly what type of build you do you need to do that's going to work? Smaller living areas. There's only one utility box. There's not you know multiple utilities. It's not a multi-unit building. So there's one utility box. You build it to that specimen of either we build anywhere from seven bedroom, seven baths, right up to 20 bedroom, 20 baths, and that's the build part. That way, you're getting into it and not having to, you know, kind of. It's really tough, Keith. I don't need to tell you with your experience to turn a smaller house into that bigger house and starting from scratch with new constructions. Great. The second thing we found was finance. Right, as you know, we do our own in-house financing. Well, a lot of the co-living since the banks didn't understand it. Just like you know, it's become a newer niche. They were locking in at 8% You know, with our in-house financing, we were able to get deals down to five and a half percent. So right there, that helps with the rate, the long-term rate, the cash flow, and then management. Again, we've managed 1000s of properties, but we've really teamed up with PadSplit to help us manage these. This is what they specialize in, not only for attracting investors into their organization, but also for managing the properties and screening the tenants, getting them in, and their management system combined with our Build Right Finance Right has been a great combination.   Keith Weinhold  11:57   Pad Split, somewhat of a platform like Airbnb, but it's for co-living type properties. We'll talk more about pad split shortly. But yes, you are making these more efficient for co-living because right from the beginning, you are building them new construction specifically for co-living type of arrangements, rather than that six-bed, three-bath retrofit example I brought up near the beginning of our chat, but tell us more about who actually lives in co-living homes. What's the tenant profile like?   Jim Sheils  12:29   Yeah, let's go to the opposite end. When I first heard about this years ago, Keith, I said, "Oh my gosh, this is going to be really unqualified, seedy people not working, getting into trouble, and that's just not true. Again, a lot of these people are hardworking, but they can't afford the $1395 for a one bedroom apartment, but they can afford an $825 a month room. And a lot of these people might be working at a local warehouse, at a hospital. They're very localized, blue collar, or some in training jobs, you know, extra five $600 a month makes all the difference. Where it's not going out to rent, not even including utilities, it gives them a nice place to live. So it's really entry level replaceable income people, maybe single people that work at a nearby restaurant. But again, they're trying to save more money in their pocket and not spend it on that higher expense, which the competition would be a one-bedroom apartment.   Keith Weinhold  13:31   Now, the tenancy durations here are shorter than what you're going to have in long-term rentals, of course, because one part of what you do, Jim, is for years you have helped GRE followers with build-to-rent long-term rentals. The resident does get more. They're going to get a furnished room with utilities in co-living arrangements, and they're also probably going to have their utilities bundled as well. So tell us about the typical tenancy duration, and then what all the resident gets.   Jim Sheils  14:00   Yeah. So the residency is going to receive all the things that they have to be turnkey. That's the bed, the desk, the dresser, the closet, the bathroom. Everything is set up there for them, and so they just move in. They're not going to have to pay for electric or water or internet. All that stuff's going to be included. There's a washer dryer normally there. Sometimes they're coin operated, other times they're just included, but that way they're not trying to take out a utility in their name or set up internet. Also, for the investor, that's a good thing because you have one master lease. If you start to do a bunch of leases, well, you could get in trouble with the rules of your community, probably of having multiple leases on one property. It's not a multi-unit building, so you can't do that. So one master lease with one utility and all utilities included allows you to do that. This makes it very easy to move in and out. And the average Tennessee might only be six months, but again, the way that it's set up, what we like about PadSplit is they. Have a very good marketing and screening process, so they're constantly marketing and screening to people in the area, and then they have their own private community with investors. So we'll build it and finance it. Our people will move over to their community for management, so the owners can speak together, and then the tenants, though they're coming through pad split system, and so what I like about that is if they try to not treat the property well, well, they're not allowed back into any pad split properties anywhere within the city. So that's really good for co living protection. So we just see that turnkey approach, and you know you've been preaching turnkey real estate for a long time. Yeah, this is a turnkey room where they're able to move in, they're able to move out easily. They can transfer to another co-living property, and by doing that, you can get people in and out very quickly, which keeps the vacancies low, even with shorter tenancy.   Keith Weinhold  15:57   All right, so an average tenancy duration of about six months, and for you, the prospective investor, as you're trying to understand co-living, maybe think of it as like when you check into a hotel. Co-living residents stay longer than you stay in a hotel, but as far as all the utilities are in the room combined, all into one charge with your WiFi, your water, your electricity, your natural gas, and the room is already furnished. Just one all-inclusive payment, making it easier for that co-living tenant. And Jim, you've been talking about pad split, where you're partnering directly with them, and that's the management part of this. Of course, this is more management intensive than a long-term rental. So, tell us more about Pad Split and how it works. Sort of like an Airbnb platform, but yet for longer-term, affordable room rentals that has the property management infrastructure somewhat already built into Pad Split.   Jim Sheils  16:56   Yeah, I think your comparison to Airbnb is very accurate, Keith. But it's more of a community for both tenants and investors. Airbnb, you know, I have short-term rentals and I use Airbnb. But what I've seen with Padsplit, which I think they've done a good job with, it has a community feel sharing for the investors who are a part of the Padsplit community, and so there's extra communication on your management, how properties are going, what areas are doing that. You know, great source of communication on the ongoing management. But for the tenants too, they know right where to go to find these types of properties, and the tenants also have to join this community. So there's a joining where if you want to rent a pad split, they have to join the community. They have to go through all the approvals and such, so that's pretty much how it's set up. It's seen to be very effective. Again, what held me back from this probably for about two years, Keith, was the management piece. You know, we've always managed our properties. I said, well, this is not our niche. Just like we don't manage short-term rentals, we only rent manage long-term rentals, and so I really had to watch and survey a lot of the existing investors and how they were doing, but it's nice to see someone with a good managerial system for both the tenants and the investors to work together in.   Keith Weinhold  18:12   Does PadSplit handle everything like marketing and tenant screening and rent collection?   Jim Sheils  18:19   So what they handle is the way that pad split works, like here in Jacksonville, where's our main market where we've started building co living properties. Is they will work hand in hand like an Airbnb, but underneath them they'll have preferred property managers that they'll work hand in hand. It so they'll handle certain things of the marketing, the tenant screening, and then some more of the mechanical PM pieces, the property management pieces. There'll be an assigned property manager that the client will be working with, the investor will be working with, and the tenant will be working with. So it's kind of a two-tiered approach. Like right now, my I'll use Airbnb, but I have a property manager for my short-term rentals. Same thing here, but we actually have the preferred management list and approvals through Padsplit.   Keith Weinhold  19:06   Okay, so much of this is handled through Pad Split, but not everything. There's a second tier where they partner with local property managers in that area to, for example, help with tenant turns or help with maintenance requests.   Jim Sheils  19:20   Yep, absolutely, absolutely.   Keith Weinhold  19:23   Now, short-term rental hosts are used to Airbnb fees. What are Pad Split fees like?   Jim Sheils  19:29   There's a monthly fee for belonging to PadSplit to keep your property occupied in there, and I don't remember exactly what it is for the tenants, but I know that they keep it affordable. So overall, you're going to be paying a little bit less than an Airbnb property that you would for you know if you use Airbnb and use a short-term property manager, it can be quite expensive. We've seen the pad splits come in below that and still achieve the goals of a good short-term rental. You know we're seeing. I know we're getting into this later, but taking those fees out and doing quite a bit of contingency because of the move and move outs, we were still seeing like a seven bedroom, seven bath based around the same price of one of our single family homes. The cash flow can be about seven times higher. Wow, on that thing, so it it really does answer the call for higher cash flow by bringing that more affordable rental in.   Keith Weinhold  20:25   We're going to talk more about just how profitable it is for investors, and more about co living somewhat nascent model, a model that's actually been around for quite a while, but it's really gaining traction in making things more affordable for tenants and making things more profitable for investors, we're back with more shortly. I'm your host Keith Weinhold. This is Get Rich Education. Flock Homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now, mom and pop landlords can 721 the residential real estate request your initial valuation. See if your properties qualify at flockhomes.com/gre. That's flockehomes.com/gre. 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Listen to Get Rich Education with Keith Weinhold, and don't quit your daydream. Welcome back to Get Research Education. I'm your host Keith Weinhold. We're talking about co-living, specifically how smart it is to get this right from the beginning and build a new construction single-family home, or something that could be larger than a single-family home with seven bedrooms, seven bathrooms, or 14 and 14, or 20 and 20, and when we think about this gym physically, the footprint. What is parking like at a seven-bedroom home or larger? And did this entail any zoning hurdles?   Jim Sheils  23:15   A couple of things. It can entail zoning hurdles, so I would make sure, especially if you're doing new construction, you have someone who is a builder in the area that knows how to work with the county department or city department of how to get these approved. That's a very important things for how you submit them and how you make sure you're staying compliant. I think compliance is very important, obviously, for a rental and and parking. What we've seen right now is we look for about 50% So when I say 50% of bedrooms, so a seven-bedroom house, we're going to have three or four parking sites. There's a large majority of people that don't have a car, and that's why a lot of these are built near public transportation. But we still try to always serve, you know, based off of what we saw, the needs to stay in compliance, also working with Pad Split on lots of their designs. 50% of parking spots is usually good for the amount of bedrooms that you have.   Keith Weinhold  24:08   What about zoning hurdles? What had to be met there?   Jim Sheils  24:12   It's going to be a trial and error for a new builder or a person who's rehabbing a property. You know, we were not the first to come in and do this, we had watched Pad Split do it for two years and more with rehab properties, but just starting new construction, we knew Northeast Florida and what needs to be done very well, and so it's all in how you present it. Again, if you go in there with multiple utility boxes and such, you're going to be in quite an issue. So we found that we didn't have any issue with that. Also, we own some of these in some of our quad communities, so these were for larger. You know, you've worked with our quads before; they're yeah, you know, larger buildings. Well, we've been able to turn those into, for example, 20 bedroom, 20 baths, and so they operate like a small. Building, but they're in our quad communities where we wrote the HOA, and so they're allowed. And there's a plethora of parking there, so that keeps us in compliance. So really, compliance is knowing what your local city or county is going to require and knowing how to get that approved. That's very important.   Keith Weinhold  25:18   Okay, so these can thrive in sort of duplex and fourplex type neighborhoods. That's where they're being built, and you have a good bit of control over that with you having your own de facto HOA there as well. And Jim, I looked at several of the co-living properties and the footprints and the floor plans, and you know I was really encouraged to learn that really the cost for one of these brand new build seven bath seven bed co living properties really isn't that much more than a regular single family home designed for one family. So talk to us about the pricing.   Jim Sheils  25:57   Yeah, in Jacksonville, for example, seven bedroom seven baths, going between 325 and 345, which is very similar to single-family homes. And then our pricing for our quads, like a 2020, would be in the low nine hundreds, and that's the same as a quad as well. So we've been able to match our pricing to, and we have duplex ones. The 1414 would be mid five hundreds, which would be about the same as a Jacksonville duplex. So you know, I'm going off Jacksonville pricing right now, just as a sample. Sure. Okay.   Keith Weinhold  26:30   The model I looked at was seven bed, seven bath. It had two stories. The price was 325k, and it had 1800 66 square feet. Talk to us about just how profitable that it is for an investor on a pro forma income and expenses basis, Jim.   Jim Sheils  26:49   From what I've seen is if the average single family home was bringing in about $3,500, and that's a net on the year. So we're saying net, you know, cash flow on the year. Let's say it was about $3,500 on the year of a single family home that you bought. Well, your pad split property would be more closer to about 25,000 for the year. Wow! So that's a big jump. Now, with that comes a lot more rent collected, Keith. But also, and again, we can't do it here, but on the performa, there's more expenses because you have pad split. You have just very similar again. I think your analogy of a short-term rental for anyone who owns those very similar. There's more components. There's more pieces to it. There's more management. But what I did like about the performas that were first brought to us, large amount of rent collected, but also a large amount of contingency and expenses calculated in to get that number. So those are what I liked again seeing these is there's a lot of expense taken out to still reach that you know higher cash flow, but you know it's something that you will want to account for as well. You know what keeps people safe? Do your numbers. Do your numbers real. You know talk to people who have owned co-living properties, make sure that you're accounting for the extra expenses of tenants turning over more and and just more management involvement.   Keith Weinhold  28:10   Okay, so on that comparison where you likened it to a long-term rental versus this model, it's about $25,000 of annual cash flow, which is about $2,000 of monthly cash flow, and was that for the seven bed, seven bath model?   Jim Sheils  28:26   Yeah, and it would go up from there for the larger models.   Keith Weinhold  28:29   Yeah. Now, are tenants paying in advance by the week or by the month, or how does that work?   Jim Sheils  28:34   That's a key thing. They pay by the week, which I didn't realize how important that was for affordability and staying current on your rents, but from the things that I've been shown on working with Padsplit, they showed that when they charge people by the week, it's much more affordable. A lot of these people are paid weekly, so it really keeps them in good rhythm, and so they go on a weekly process.   Keith Weinhold  28:57   And is this just as conducive to out of area investors like long term turnkey rentals are?   Jim Sheils  29:03   Yeah. Well, that's why you always want to build right, finance right, manage right. You have lots of great connections. You can find a great builder that's willing to build them. You get good financing and then good management. So you don't have to live in the area, but you want to make sure someone is taking care of that for you. Again, I am going to say I know some people like to manage their own properties from afar. That can work with long-term rentals. I've done it with a few of mine when I left California and came here. From what I've seen, though, for co-living, the involvement-if you are from out of area-I would highly, highly recommend that you follow a manager process and work with a manager.   Keith Weinhold  29:43   Meaning that you would use one of PadSplits recommended managers.   Jim Sheils  29:47   I would use PadSplit with one of the preferred managers that we know well, and actually one of the managers that they highly recommend worked for our company for five years, and she's great. And for what we're. Doing, I can put a stamp of approval on it, and again, I think just seeing the involvement, these can work really well. But you want to have just like any time, but even more importantly, on these ones, you want to have management in place, especially if you're afar.   Keith Weinhold  30:14   Sure. So, what could the involvement realistically look like, Jim, if that out-of-state investor is using Pad Split and using Pad Split's recommended manager. What might that investor have to do remotely? And maybe that's just on an email basis.   Jim Sheils  30:32   You know, a lot can be done by email. Again, Keith, our goal-I don't think you should be spending more than two hours a month on managing your property manager. So again, just because there's more involvement, what I like is it doesn't mean there's more involvement for you. You're paying someone to set that up to handle it. You'll have to be involved somewhat. You are a property owner, but again, I don't see that you have to get involved with every little thing. In fact, I like to step back and not get too involved in my properties. I find like I just kind of go and stir things up. Let my manager do their thing. I'll manage certain big picture managerial things and in communication and overall just directionals. But you should not be getting overly involved. That's what their job is. You should not be doing that.   Keith Weinhold  31:18   Now I'm a turnkey real estate investor myself, as you know, with multiple properties in various states and places, and I'm used to getting monthly emails from my manager in those markets, and that is what my owner statement looks like: income and expenses and anything that's going on with the property. But that's just on a monthly basis. Are there weekly statements for co-living managers and owners?   Jim Sheils  31:42   Still rents are collected weekly, but statements still come out monthly.   Keith Weinhold  31:46   Because—   Jim Sheils  31:47   You want to, what you do is you collect all of the rents, but then again, it's easier to reconcile with all expenses and such that come out on a monthly basis. So it's done monthly.   Keith Weinhold  31:58   Are they writing common mistakes to avoid that are developing in the space, like an investor that gets in and buys their first co living property, and then they think, "Oh gosh, I wish I would have known about this thing sooner that I didn't think about because I'm only used to long term rentals. Any common mistakes to avoid pitfalls like that with co living, Jim?   Jim Sheils  32:17   Yeah, a couple of things. First, again, I can't stress enough that co living, from what I've seen and experienced, they do make money. But on the build it right, you know, going back to our build right, finance right, manage right. Just know if you're going to try one your on your own and you want to convert a home that's three bedrooms into a seven bedrooms, it is a much more tedious, involved process. Where again. Keith, like you said, are you getting things approved with the county or city? Just know that you really want to be in the know, and that's going to take some involvement. So that's my warning on if you're going to use co living and rehab your own property, financing wise. The thing that the mistakes I've seen made is people didn't see that they had higher interest rates, so you want to do that in your numbers. You know, working like with us, we're we have our own in-house financing. We're able to get it down to five and a half percent, but some of these co living banks are looking at it differently, and you might be more around 8% So you want to just do that in your numbers, and then the third pitfall, which we've you know hit on, and this is one of your real foundational rules: is management is key. And on these, where I see the biggest harm, once you get it built right and financed right, it could all fall apart if you don't have management in place. So I would just be you know some of you do it yourselfers. I have some things that I like to do it myself too, but on a more technical type of property like this, I highly encourage you get management in place to do their thing.   Keith Weinhold  33:47   For sure, it is easy to make the case that the management is even more important than the property itself. One of the things that I like about what you do there, Jim, is you're so forward-thinking and you are so into making the experience as turnkey for that investor as it can possibly be, and one of those things is as you rolled this out, you had a lot of the financing hurdles rolled out right with it. Tell us more about those in-house financing options you have that you touched on specifically for co-living, and especially I'm thinking through the lens of like that seven bed, seven bath, 325k co-living property that I saw.   Jim Sheils  34:28   Yeah, I mean it's nice with getting to be a builder of our size with a really good balance sheet. We're able to work with banks and buy large tranches of money or slate large tranches of money at cheaper rates than available to the public. You know, for our normal long-term rentals, we can get down to 3.75. That's for normal houses. You can't get that low because of risk factor. Banks still they like working with us, but we have gotten it down to five and a half percent. So right now, our most popular program is a 30-year fixed five and a half percent for co. You know, and again, a lot of people that have come to have said, "Holy moly, we were locked in at 8.15. We are getting it not as low as our lowest rate, but at a really good rate now. You know, below what's normally offered out there. So that's normal qualifying that you would have to do with any bank loan through us. And our counselors are happy to talk more about that. That's our most popular program for the co living for the seven seven. You're looking at a five and a half percent interest rate, 20 to 25% down. That is a super attractive rate. Is that something that the home builder helps participate in buying down discount points, or that the buyer is asked to do in order to get down to that rate? Working with us, well, it could go either way out in the marketplace, Keith. When working with us, we pay all of those required fees and points to get the lower rate. That's on us, not on the buyer.   Keith Weinhold  35:50   All right, we're talking about co-living properties today-a way to supercharge your cash flow. This is one of the greatest cash flow strategies in all of residential real estate today, Jim. Is there any last thing you have to tell us about co-living? Perhaps something that I did not think about asking you that I should have.   Jim Sheils  36:09   I think that's probably just what you and I talked about, like what Jim Rogers said. It's how not how I want things, but how things are. Yeah. And so for me, I held back for a few years, even when some of the founders right here in my own backyard have pad split to team up with, but I think that I couldn't picture Keith 10 years ago having a short term rental and like wait a minute I'm going to have them stay there every week and I'm going to have to furnish it you know is from the old guy doing long term rentals so I think for people just read up on it it's becoming a very interesting trend there's some very interesting statistics of why this is working, how management can be handled effectively, how to stay in compliance with your city. There's a lot of good information. This is a great starting point to our conversation today, but I don't think this niche should be ignored because the track record is already there and it is answering a need of both investors and tenants, which is pretty cool.   Keith Weinhold  37:04   It has been super intriguing to learn more about this. Jim represents one of our GRE Marketplace providers. It's been great having you back on the show.   Jim Sheils  37:13   Now, thanks for having me, Keith.   Keith Weinhold  37:20   Yeah, a really informative episode today. If you want to learn more about co-living properties, you can do so at gremarketplace.com/co-living. That's where you'll get the investment report, floor plans, financial projections, see the exact pricing, and learn more about pad split there. I've been around this space for a while, and I know investors that own co-living properties. Some other best practices that I've learned about are that you want to have limited visitation or a zero visitation policy for your co-living tenants. As we touched on, these properties can really make money, but don't try to manage them remotely. Make the house rules unusually specific. Address guests, quiet hours, smoking, drugs, pets, parking, food storage, shared bathrooms, thermostat settings, and cleaning and abandoned belongings, and enforce the rules consistently and quickly. Because one disruptive resident can cause several good residents to leave, and in co-living, retaining household harmony that is often more valuable than retaining one problem tenant. Provide professional common area cleaning. Don't expect seven or 14 unrelated adults to collectively develop some passion for wiping down the stove. That is not going to happen. Shared areas should be cleaned at least weekly. Install bedroom locks and then smart exterior locks. Give each resident private space, eliminate shared keys, and immediately revoke keys after move out. Cameras they should generally be limited to lawful exterior and entry locations, not in private spaces. Provide excellent internet in co-living, unreliable WiFi. That is practically a habitability crisis. Use business-grade equipment, strong coverage, and have a backup plan for internet. And as an investor, it's wise for you to maintain a larger repair and turnover reserve than you would for a normal long-term rental. Keep these things in mind, and it can keep seven times the cash flow from becoming seven times the headache. Again, you can get the investment report, floor plans for the very properties we discussed today, financial projections, pricing, and get more information about pad split all at. gremarketplace.com/co-living. That's gremarketplace.com/coliving. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 1  40:15   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold  40:43   The preceding program was brought to you by your home for wealth building getricheduceducation.com

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning!Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl McKissack Daniel. Topic: Legacy, resilience, and entrepreneurship of the McKissack family, as detailed in the book The Black Family Who Built America. Cheryl shares the powerful story of her family's 230-year legacy in architecture and construction, making McKissack & McKissack the oldest minority woman-owned professional design and construction firm in the U.S. The conversation explores themes of generational resilience, Black excellence, business strategy, and personal growth.

-Cignetti said the B1G doesn't run the “hype machine” that others---the SEC—run, and also said the Big Ten is the best conference incollege football…which he definitely should say-Cigs also said Iowa was the most underrated football team in the country last year, and that he's sick of vacation and ready to go bosssome people aroundAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Robin reacts to the Indiana Fever and Minnesota Lynx showdown, and all the news swirling around the WNBA.

Series: Host SeriesSpeaker: Bryan H. Kim

Amy Tomasso America's housing crisis is not only about affordability—it is also about a lack of diverse housing options for people at different income levels and stages of life. In this episode, Rob Harter speaks with Amy Tomasso, Director of Policy Innovation at Ivory Innovations, about the “missing middle” between detached single-family homes and large apartment buildings. Amy explains how duplexes, triplexes, cottage courts, accessory dwelling units, and other smaller housing types could create more attainable options for first-time homebuyers, growing families, and older adults hoping to downsize. Amy also shares how Ivory Innovations combines research, education, entrepreneurship, public policy, and hands-on affordable housing development to move promising ideas into practice. The conversation explores zoning reform, construction technology, innovative financing, cross-sector partnerships, and the important role nonprofit leaders and community foundations can play in developing local housing strategies. Key Topics Include: Why the housing crisis affects community wellbeing, economic development, food security, and financial stability What “missing middle” housing is and why many communities stopped building it How zoning reform, smaller lots, streamlined approvals, and developer support can expand housing options How Ivory Innovations tests new construction technologies and housing solutions through its Fieldworks program Why successful housing policy reforms need committed champions from government, business, nonprofits, or the community What nonprofit organizations can learn from the public and private sectors—and what those sectors can learn from nonprofits How students and emerging leaders can enter the housing field through Hack-A-House and other educational opportunities Mentioned in This Episode: Ivory Innovations The Little Book of Low-Cost, High-Impact Housing Solutions The Ivory Prize for Housing Affordability Ivory Innovations Fieldworks Hack-A-House Missing Middle Housing UCLA Housing Voice Podcast Fixer-Upper: How to Repair America's Broken Housing Systems by Jenny Schuetz Escaping the Housing Trap by Charles Marohn Jr. and Daniel Herriges Missing Middle Housing: Thinking Big and Building Small to Respond to Today's Housing Crisis by Daniel Parolek This Episode is Sponsored By: Donorbox Links to Resources: Interested in Leadership and Life Coaching? Visit Rob's website: RobHarter.com Find us on YouTube: Nonprofit Leadership Podcast YouTube Channel Suggestions for the show? Email us at nonprofitleadershippodcast@gmail.com Request a sample coaching session: Email Rob at rob@robharter.com Subscribe and ShareListen and subscribe to the Nonprofit Leadership Podcast on iTunes, Spotify, or Amazon. Don't forget to like, subscribe, and share with other nonprofit leaders!

Pastor Chris Cobble | Deuteronomy 12–18 | Denia Community Church - Denton, TX | deniachurch.com

Diagnostic Care: The Heart Beneath the Struggle Selected Scriptures Big Idea: Lasting soul health requires more than managing symptoms: God's Word diagnoses the heart, and the gospel provides the path to change! 1. Recognize Behavior as a Symptom (Matthew 12:33-37) 2. Trust God's Diagnosis of the Heart (Jeremiah 17:9-10) 3. Address the Heart Behind the Behavior (Proverbs 22:15) 4. Apply the Gospel's Pattern for Change (Ephesians 4:17-32)

We hope you are blessed listening to our podcast and we would love to hear from you. If you have a prayer request, please send to our page or write us a letter. Address is Fellowship Temple Church 300 Weldon Ave Madisonville, Ky. 43431. We would love to hear from you. We are on Facebook on Saturday nights and Sundays during our weekly service. Thanks so much for listening and May God bless you! Instrumental Fellowship Temple band"This is just what Heaven means to me"

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Balfour Fears.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Balfour Fears.

Anatol Lieven turns to Britain's new political era under Prime Minister Andy Burnham, who is described as the Labour Party's "last chance" to address a discredited government. Burnham faces immense financial pressure, particularly regarding the costs of healthcare for the elderly and dementia. To succeed, he may need to pivot from "Net Zero" policies to prioritize energy needs and seek a new mandate through an election. (6)

7.31.26 Hour 2, Kevin Sheehan gives his thoughts on the Commanders' Front Office with training camp being here and discusses the one thing that could make them look bad after all the good they've done this offseason. Kevin Sheehan asks callers what the one thing the Commanders' front office could do that would make them look bad after a successful offseason.

How to lead a trades team without losing their respect starts with one truth: the moment you get promoted, everything changes, for you and for them.In this episode, Jim Robinson and co-host Lori Prust dig into what actually happens when someone moves from peer to manager on a trades team. They cover why egos get big fast, how to keep your credibility while holding people accountable, and why self-awareness is what earns real respect from a team you used to call your buddies.⏱️ Chapters0:00 – Introduction0:44 – Keeping your team's respect 2:25 – Maxwell's Five Levels of Leadership and the ego trap 3:50 – The "I have to know it all" trap new leaders fall into 6:00 – Signals someone is ready to lead: the "Five to Thrive" framework7:18 – Losing trust: the ego walk and becoming "the boss" 10:42 – Address the problem in the room, handle the person one-on-one12:44 – The Good, Great, Excellent, Outstanding framework 17:48 – Self-awareness first: humble, hungry, smart 19:53 – Understanding how each person on your team learns 23:50 – Building trust and respect after a promotion 26:00 – Don't show up as the fire — emotional maturity under pressure 30:17 – The real job of the first 30 days 32:37 – Personalized recognition: knowing your people 36:06 – Closing nugget---ABOUT VISIONARY LEADERLeadership insights for executives, entrepreneurs, and business owners who want to lead with real influence. Not just authority. Jim Robinson is an executive coach, leadership speaker, and author of Leading with Empathy. Every week, Jim & Lori Prust share practical frameworks and honest conversations on visionary leadership, emotional intelligence, building high-performance teams, and the psychology of leadership.Work with Jim: https://www.visionaryleader.com/ Jim's Book - Leading with Empathy: https://a.co/d/0bD1SpOPConnect with Jim on LinkedIn: https://www.linkedin.com/in/jim-robinson-18211918/Connect with Lori on LinkedIn: https://www.linkedin.com/in/lori-prust-309898195/#leadership #executivecoaching #EOSleadership #entrepreneuroperatingsystem #leadershipdevelopment #visionary

July 29th, 2026 Follow us on Facebook, Instagram and X Listen to past episodes on The Ticket’s Website And follow The Ticket Top 10 on Apple, Spotify or Amazon MusicSee omnystudio.com/listener for privacy information.

July 29th, 2026 Follow us on Facebook, Instagram and X Listen to past episodes on The Ticket’s Website And follow The Ticket Top 10 on Apple, Spotify or Amazon MusicSee omnystudio.com/listener for privacy information.

Catch every episode of The Dumb Zone by subscribing to the show at DumbZone.com or Patreon.com/TheDumbZoneJulie Dobbs is with us live from Zoli's Pizza in Fort Worth! Dan is back and has closing remarks from the two shows he was gone. Jake wants movie food reigned in a little bit. Our FOIA came in from the Tony Romo arrest and we watch the footage with one of the dream team lawyers, Frank Cawley. Then, we review a few things Jerry Jones said from the Cowboys state of the team address from Oxnard, California. (00:00) - Open: Dan is back (26:35) - Jake saw The Odyssey (34:06) - Watching Romo arrest video with lawyer, Frank Cawley (01:16:06) - Cowboys state of the team address (01:35:10) - Big Thursday Viewer Mail Bag (01:54:26) - News: TV anchor suspended over free tickets (02:08:14) - VM birthdays/Today in History ★ Support this podcast on Patreon ★

The 2026 Florida Gators State of the Program Address is here- and boy do we have lots to discuss. We start with Part I: a deep-dive discussion into how we got here. Because in order to truly, earnestly and knowledgable discuss the state of the program, we must understand how Gator football got to this state in the first place.With the help of Ali Peek from A Peek Inside Gator Football and Chris Phillips from SEC Unfiltered, we set the stage for the Jon Sumrall era by either verifying the validity of or dispelling certain narratives, and talk about what, exactly, it is that Jon Sumrall is taking over.Whether you bleed orange and blue or just love college sports, the In All Kinds Of Weather Forecast is your ticket to the pulse of Gator football. Tune in for expert insights, candid discussions, and the passion that fuels Gator fandom. Hit subscribe, hit play, and let's navigate the Gators' journey together!

In this episode, Lori Hall, Vice President of Clinical Operations at Heartland Dental, discusses the ongoing hygiene staffing shortage, its impact on patient care and practice operations, and how flexible workforce solutions and proactive planning are helping dental offices meet evolving staffing needs.This episode is sponsored by Heartland Dental.

July 28th, 2026 Follow us on Facebook, Instagram and X Listen to past episodes on The Ticket’s Website And follow The Ticket Top 10 on Apple, Spotify or Amazon MusicSee omnystudio.com/listener for privacy information.

July 28th, 2026 Follow us on Facebook, Instagram and X Listen to past episodes on The Ticket’s Website And follow The Ticket Top 10 on Apple, Spotify or Amazon MusicSee omnystudio.com/listener for privacy information.

Austin shares the biggest and most common mistake he sees on cover letters, and what you should be doing instead!Time Stamped Show Notes:[0:25] - How to address a cover letter the right way[0:50] - To whom it may concern?[1:37] - Address an actual person (like the hiring manager)[2:44] - What if you can't find their name?Resources Mentioned In Today's Episode:Cover Letter GuideWant To Level Up Your Job Search?Click here to learn more about 1:1 career coaching to help you land your dream job without applying online.Check out Austin's courses and, as a thank you for listening to the show, use the code PODCAST to get 5% off any digital course:The Interview Preparation System - Austin's proven, all-in-one process for turning your next job interview into a job offer.Value Validation Project Starter Kit - Everything you need to create a job-winning VVP that will blow hiring managers away and set you apart from the competition.No Experience, No Problem - Austin's proven framework for building the skills and experience you need to break into a new industry (even if you have *zero* experience right now).Try Austin's Job Search ToolsResyBuild.io - Build a beautiful, job-winning resume in minutes.ResyMatch.io - Score your resume vs. your target job description and get feedback.ResyBullet.io - Learn how to write attention grabbing resume bullets.Mailscoop.io - Find anyone's professional email in seconds.Connect with Austin for daily job search content:Cultivated CultureLinkedInTwitterThanks for listening!

Accessory Dwelling Units, better known as ADU's, are small, self-contained residential units that can be attached to a home or built as a separate structure, often as a small apartment or in-law suite.Columbus has released a new handbook for residents in building one on their property, though under current city code, building one could be very expensive.We're looking at the role ADU's could play in the need for housing here in Columbus.Guests:Brent Warren, reporter, Columbus UndergroundAlison Goebel, executive director, Greater Ohio Policy CenterOtto Beatty, former Columbus City CouncilmemberJenny Carlson, executive director, Ohio AARP

Join Dr. Michael Youssef for the next LEADING THE WAY AUDIO! You'll hear a comforting reminder that when God saved you, your eternal address immediately changed from Hell to a bright spot in God's Heavenly Kingdom! (Hebrews 13) Support the show: https://au.ltw.org/See omnystudio.com/listener for privacy information.

FAI creation is an essential element of quality control programs but can consume a significant amount of time. In this webinar, we will discuss a tool that consolidates all requirements into an accountability checklist, keeping drawing and inspection sheets in sync. Automatically capture sheet and zone and identify Bill of Materials (BOM) and specifications for a complete and accurate report. This software exports a professional ballooned print as a PDF and can output to your customized Excel spreadsheet. In this session, we'll go over how to reduce quality escapes that occur from overlooking requirements. Failing results are flagged in real-time and any missing required FAIR AS9102 data is also flagged for compliance to the standard. Easily renumber balloon sequencing and change between Imperial and Metric units as required by your customers. Learn how to seamlessly import your CMM data to validate each result and easily flag non-conformances. Use any CMM in your shop to create result data and automatically populate the Designed Tooling. The tool we discuss will assist you in keeping up with the growing prevalence of 3D modeling in manufacturing. Using the Product Manufacturing Information (PMI) of the model, this software extracts the geometry and notes from the model to create views with ballooned data and exports to the inspection sheet. In this webinar, you will learn how to: Error-proof each FAI for accuracy and customer approval. Eliminate the need for manual data entry. Use your CMM output to populate FAI actuals. Address your customer's requirement for MBD. PRESENTER: Jeffrey C. Davis Account Manager DISCUS Software Presented by DISCUS  Visit https://advancedmanufacturing.org/webinars for more webinars and an interactive experience with visuals.

Accessory Dwelling Units, better known as ADU's, are small, self-contained residential units that can be attached to a home or built as a separate structure, often as a small apartment or in-law suite.Columbus has released a new handbook for residents in building one on their property, though under current city code, building one could be very expensive.We're looking at the role ADU's could play in the need for housing here in Columbus.Guests:Brent Warren, reporter, Columbus UndergroundAlison Goebel, executive director, Greater Ohio Policy CenterOtto Beatty, former Columbus City CouncilmemberJenny Carlson, executive director, Ohio AARP

The New York Times article highlights Ruby Rippey's decision to publicly revisit the affair she had with Gavin Newsom while serving in his administration and while married to one of his top aides. Rippey takes responsibility for her role but argues that Newsom's recent memoir minimizes the impact of the relationship and its aftermath. The story revives one of the most significant scandals of Newsom's early political career just as national attention increasingly turns toward his possible future on the presidential stage. Axios reports that Gov. Andy Beshear is demanding that Sen. Mitch McConnell publicly and verbally reassure Kentuckians that he is capable of carrying out his duties after more than six weeks out of public view following a fall and hospitalization. McConnell's office says he is recovering through intensive rehabilitation and intends to return to work, but Beshear argues that voters deserve a direct update—or, if McConnell cannot provide one, his resignation. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

The New York Times article highlights Ruby Rippey's decision to publicly revisit the affair she had with Gavin Newsom while serving in his administration and while married to one of his top aides. Rippey takes responsibility for her role but argues that Newsom's recent memoir minimizes the impact of the relationship and its aftermath. The story revives one of the most significant scandals of Newsom's early political career just as national attention increasingly turns toward his possible future on the presidential stage. Axios reports that Gov. Andy Beshear is demanding that Sen. Mitch McConnell publicly and verbally reassure Kentuckians that he is capable of carrying out his duties after more than six weeks out of public view following a fall and hospitalization. McConnell's office says he is recovering through intensive rehabilitation and intends to return to work, but Beshear argues that voters deserve a direct update—or, if McConnell cannot provide one, his resignation. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

Climate Change Advisory Council are calling for urgent action to address household emissions and reduce exposure to fossil fuel price volatility Chairperson of the Climate Change Advisory Council Alex White joined Newstalk Breakfast to explain this

The Commissioner of College Football Josh Pate joins Taylor Lewan for a loaded Episode 391. They break down Michigan, Nebraska, LSU under Lane Kiffin, and whether Dabo Swinney can save Clemson. Josh and Taylor debate SEC vs Big Ten supremacy and tease a major ESPN announcement. Josh shares a wild tornado chasing story. Plus Taylor reveals baby news, Spooktober promises, Dan Orlovsky's earring bet, first date tier talk, and the greatest David vs Goliath breakdown of all time. Timestamp Chapters: 0:00 Open 0:43 Josh Pate Returns 5:16 Allegedly On ESPN 15:39 Baby Lewan 22:00 Georgia Ghost House 31:09 Spooktober Redemption 37:00 Orlovsky Earring Bet 41:45 Michigan Breakdown 53:00 Nebraska Year Four 1:07:00 SEC vs Big Ten 1:28:00 Lane Kiffin Era 1:54:00 Dabo Won't Quit 2:02:00 Chasing Tornadoes 2:06:21 First Date Tier Talk 2:15:00 David vs Goliath Odds 2:30:00 Bud Light QuestionSee omnystudio.com/listener for privacy information.

After Annabelle was diagnosed with stage 4 lung cancer, a volunteer living with the same diagnosis offered advice that changed the way she saw the future.  Do you have your own story of an unsung hero? We'd love to hear it! Record a voice memo and email it to us at myunsunghero@hiddenbrain.org.  Some guidance: --Focus on ONE moment that you will never forget.  --Make sure you're in a quiet, non-echoey room. --Speak conversationally, like you're talking to a friend. --Let us know why this person continues to impact your life. --If your hero were standing in front of you today, what would you say? Address them directly. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Janice Omadeke. Founder of The Mentor Method and author of Mentorship Unlocked: The Science and Art of Setting Yourself Up for Success. Here's a breakdown of the key highlights and takeaways:

The Australian federal government has accepted key recommendations from a landmark Islamophobia report, marking a step towards addressing anti-Muslim discrimination. Muslim organisations have welcomed the announcement but are calling for stronger legal protections and further action against religious discrimination.

Your spouse shoots down every FI conversation with "we can't afford it" or "retirement at 35 sounds crazy." You respond with better spreadsheets, tighter logic, more compelling numbers—and somehow make things worse. The problem isn't your math. It's that you're bringing a calculator to an emotional fight. Why FI Conversations Trigger Defensiveness 00:05:30 — When we talk about money, we're not really talking about money. We're talking about security, social status, control, self-worth, and love. FI challenges the social contract most people internalized since childhood: work until 65, then retire. Violating this norm triggers psychological reactance—the tendency to resist when autonomy feels threatened. 00:12:00 — Pursuing FI signals more than personal choices. It implies judgment about others' decisions. If you're pursuing work-optional status at 40, you're indirectly questioning why someone else plans to work until 67. That's why seemingly rational discussions about savings rates become emotionally charged. 00:18:00 — Five common mistakes guarantee FI conversations will fail: Leading with numbers instead of values Using community jargon ("4% rule," "coast FI") with outsiders Framing as "early retirement" rather than "work optional" Presenting FI as a done deal instead of a mutual exploration Evangelizing instead of listening The Communication Framework That Actually Works 00:28:00 — Start values-based conversations by asking open-ended questions: "If you woke up without work or money worries, what would your perfect Tuesday look like?" This explores shared desires without triggering resistance. People generate their own reasons for change—which proves far more persuasive than any argument you present. 00:35:00 — The elicit-provide-elicit framework from motivational interviewing: Elicit: Ask questions to understand their perspective first Provide: Share relevant information only after listening Elicit: Get their response to create dialogue, not lecture Instead of: "We should save 50% of our income to retire by 40." Try: "What does financial security mean to you? ... I've been reading about building flexibility into our careers. What aspects of that appeal to you?" 00:43:00 — Validation acknowledges concerns without requiring agreement. When your partner worries about market crashes, don't counter with historical data. Say: "I hear you're concerned about losing everything in a downturn. That's a legitimate worry worth addressing." Then explore solutions together. 00:50:00 — Regular money dates reduce emotional charge. Schedule monthly 30-minute check-ins specifically about finances. Make them pleasant—coffee shop, weekend morning, whatever feels special. Low-stakes repetition normalizes these conversations. When One Partner Resists FI 00:56:00 — First understand the resistance. What do they feel they're losing? Status from career advancement? Daily structure? Social connections? Address the emotional concern behind the objection. Start with minimal commitments rather than aggressive savings rates. Instead of "let's save 60% of income," try "what if we saved an extra $100 this month?" Build momentum through small wins that don't trigger reactance. 01:02:00 — The four essential communication skills: Open-ended questions (who, what, where, when, why, how) Affirmations (recognizing strengths and efforts) Reflections (repeating back what you heard) Summaries (pulling together themes from the conversation) Notable Quotes Jasper Lee: "You cannot beat an emotional objection with a logical argument." Jasper Lee: "When we talk about money, we're not really talking about money. We're talking about security, social status, control, your self-worth, love." Jasper Lee: "People are always more persuaded by arguments they generate themselves than by arguments you present to them." Brad Barrett: "The journey to FI is probably about ninety percent psychological and maybe only five percent to ten percent about the actual mechanics of money." Jas…

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Balfour Fears.

In this episode, I explain what to do with the 90% of people who don't buy during your launch. While it's easy to focus on the people who purchased and move on once the cart closes, the majority of your audience will usually not buy on their first launch—and that doesn't mean they're lost forever. I share why following up with these potential customers can create more opportunities and help you understand what may have stopped them from buying. I explore the importance of giving your audience a short breather after a launch before introducing a downsell: a lower-commitment offer designed to address the main objection preventing someone from buying the original offer. I share examples of downsells that have both failed and worked for me, explain how to price them, and discuss why you should focus on one offer at a time rather than overwhelming your audience. Finally, I explain how surveying non-buyers can provide valuable insights to improve your next launch and help you create offers that better meet your audience's needs. 3 Key Takeaways: Don't Forget About the People Who Didn't Buy A launch doesn't end when the cart closes. The majority of your audience may not have been ready to buy, so continuing to nurture and support them can create future opportunities. Use Downsells to Address the Real Objection A downsell should not simply be a cheaper version of your main offer. It should directly address the main reason someone didn't buy and provide a lower-commitment way for them to take the next step. Learn From Your Non-Buyers Surveying the people who didn't purchase can help you understand their objections, identify gaps in your messaging or offer, and make your next launch more effective. LINKS TO RESOURCES MENTIONED IN TODAY'S EPISODE Connect with Teresa on Website, (Grow, Launch, Sell), Sign up to Teresa's email list,  Instagram, LinkedIn, or Facebook, Subscribe to my Youtube

Have you ever felt so overwhelmed that you couldn't even name what you were feeling? When we're emotionally overwhelmed, everything feels tangled together, making it impossible to think clearly or hear God's voice. In this episode, I share why overwhelm isn't just another emotion to manage; it's often the doorway to emotional healing.  We talk about why your body responds the way it does, why trying harder isn't the answer, and practical biblical and brain-based tools that help you move from feeling emotionally flooded to becoming centered enough to process what's really happening underneath. WHAT YOU'LL LEARN [00:00] Why Overwhelm Is Often the First Emotion You Need to Address [04:00] The Emotional Iceberg: What's Really Hiding Beneath Overwhelm? [07:00] How Overwhelm Affects Your Body, Mind, and Spirit [10:00] Why Emotional Regulation Is an Act of Spiritual Stewardship [12:00] What Elijah and Jesus Teach Us About Managing Emotional Overwhelm [15:00] Why Emotional Centeredness Matters More Than Simply Feeling Calm [17:00] Are You Trying to Manage Your Feelings in the Middle of Your Emotional Story? [19:00] A Simple First Step When Overwhelm Takes Over RESOURCES: Emotional Overwhelm Reset System If overwhelm is keeping you stuck, the Emotional Overwhelm Reset System will teach you exactly what to do in those moments when your emotions feel too big to process. You'll learn a simple, repeatable framework to regulate overwhelm so you can respond with greater clarity, emotional confidence, and peace. Learn more: AliciaMichelle.com/overwhelm RELATED EPISODES:  Ep 359: When Emotions Feel Scary: Practical Tools to Courageously Process What's Inside Ep 363: Overexplaining, Overapologizing + Overthinking: What's Behind These Patterns? Ep 365: God Reveals So He Can Heal (And It's Time to Step Into That Healing)Send us Fan Mail

Golden Valley is the latest Twin Cities suburb considering zoning changes that could make it easier to build duplexes, triplexes and other dense housing. The idea is gaining momentum across the metro as communities look for ways to increase the housing supply without building large apartment complexes. Laura Russ is Executive Director of the Shenehon Center for Real Estate at the University of St. Thomas. She joined Minnesota Now host Nina Moini to share more about the changing landscape in housing.

The art of addressing someone formally over email. 

Healthy things keep moving forward. That truth is woven throughout creation, and it is just as true in our walk with Christ. In Philippians 3, Paul admits he has not arrived, yet he refuses to settle into complacency. Instead, he presses on, letting go of what is behind and straining toward what lies ahead. Spiritual maturity is not about perfection. It is about progress. Too often we become trapped by past failures, old victories, disappointment, comfort, or fear, allowing yesterday to dictate today's faithfulness. But the Christian life was never meant to be lived in reverse. Jesus calls us forward into deeper trust, greater obedience, and continual transformation. This message reminds us that following Christ is an ongoing pursuit, not a destination we eventually reach. As long as God is still working in us, there is always another step to take. Healthy things keep moving forward, and so do healthy disciples.

Pastor Chris Cobble | Deuteronomy 7–11 | Denia Community Church - Denton, TX | deniachurch.com

We hope you are blessed listening to our podcast and we would love to hear from you. If you have a prayer request, please send to our page or write us a letter. Address is Fellowship Temple Church 300 Weldon Ave Madisonville, Ky. 43431. We would love to hear from you. We are on Facebook on Saturday nights and Sundays during our weekly service. Thanks so much for listening and May God bless you! Sis. Karen Cox singing"That same Spirit"

The President spent roughly an hour on the dais, finally giving that much anticipated speech to the very group he spars with daily, the members of the White House correspondents association. Even though he said last night’s speech wasn’t as much of a “doozy” as his original speech he planned to give back in April, he still delivered cutting, offensive remarks aimed at some of his familiar foes. The president went after at least one member of this cabinet and made a few, rare self deprecating jokes that landed. But the tension in the room was real, with many of his biting, insensitive comments putting members of the audience in an awkward position. See omnystudio.com/listener for privacy information.

The President spent roughly an hour on the dais, finally giving that much anticipated speech to the very group he spars with daily, the members of the White House correspondents association. Even though he said last night’s speech wasn’t as much of a “doozy” as his original speech he planned to give back in April, he still delivered cutting, offensive remarks aimed at some of his familiar foes. The president went after at least one member of this cabinet and made a few, rare self deprecating jokes that landed. But the tension in the room was real, with many of his biting, insensitive comments putting members of the audience in an awkward position. See omnystudio.com/listener for privacy information.

The President spent roughly an hour on the dais, finally giving that much anticipated speech to the very group he spars with daily, the members of the White House correspondents association. Even though he said last night’s speech wasn’t as much of a “doozy” as his original speech he planned to give back in April, he still delivered cutting, offensive remarks aimed at some of his familiar foes. The president went after at least one member of this cabinet and made a few, rare self deprecating jokes that landed. But the tension in the room was real, with many of his biting, insensitive comments putting members of the audience in an awkward position. See omnystudio.com/listener for privacy information.

The President spent roughly an hour on the dais, finally giving that much anticipated speech to the very group he spars with daily, the members of the White House correspondents association. Even though he said last night’s speech wasn’t as much of a “doozy” as his original speech he planned to give back in April, he still delivered cutting, offensive remarks aimed at some of his familiar foes. The president went after at least one member of this cabinet and made a few, rare self deprecating jokes that landed. But the tension in the room was real, with many of his biting, insensitive comments putting members of the audience in an awkward position. See omnystudio.com/listener for privacy information.

Could erectile dysfunction be a warning sign from your body rather than just a performance issue? Today I'm hosting Dr. Jordan Barber to uncover how sexual health is connected to pelvic floor dysfunction, nerve compression, trauma, toxins, hormones, and lifestyle choices. Dr. Barber shares how his background in Chinese medicine and acupuncture has shaped his approach to identifying the root causes of ED rather than masking symptoms with quick fixes. We also discuss testosterone, circadian rhythms, vagus nerve health, and porn's impact on dopamine signaling. He also offers practical strategies men can use to support better sexual function and longevity. Tune in for the bigger picture behind erectile dysfunction and a more holistic approach to improving vitality.   "If a man has performance anxiety, he's going to be stuck in a sympathetic state, which will not allow him to maintain or have a firm erection." ~  Dr. Jordan Barber   In This Episode: - Erectile dysfunction as a health signal - Pelvic floor dysfunction and nerve pathways - The neurology of an erection - Tools to ease performance anxiety - Hormones, toxins, and testosterone replacement - Hair growth medications and erectile issues - Porn, dopamine, and performance issues  - Root causes of ED beyond blood flow - ED medications: risks and alternatives   Products & Resources Mentioned: Dr. Jordan Barber's Book: Thinking In Chinese Medicine: A Patient's Guide to Acupuncture: https://a.co/d/0eLhBT6P  Bon Charge Red Light Face Mask: Get 15% off sitewide, plus free shipping and a 12-month warranty, with code WENDY at https://boncharge.com/  Organifi Happy Drops: Save 20% with code MYERSDETOX at https://organifi.com/myersdetox    Heavy Metals Quiz: Take the quiz at https://heavymetalsquiz.com    About Dr. Jordan Barber: Dr. Jordan Barber is a Doctor of Acupuncture and Oriental Medicine (DAOM) specializing in integrative pain care with a focus on pelvic floor dysfunction, chronic pelvic pain, and complex musculoskeletal conditions. His clinical work centers on advanced dry needling and neuromodulation-based acupuncture, targeting both tissue and nervous system drivers of pain. With over two decades of experience, he works at the intersection of traditional Chinese medicine and modern pain science to help patients restore function and break persistent pain patterns. Learn more about his work and consult with him online at https://drjordanbarber.com/ or https://drbarberclinic.com/    Disclaimer The Myers Detox Podcast was created and hosted by Dr. Wendy Myers. This podcast is for information purposes only. Statements and views expressed on this podcast are not medical advice. This podcast, including Wendy Myers and the producers, disclaims responsibility for any possible adverse effects from using the information contained herein. The opinions of guests are their own, and this podcast does not endorse or accept responsibility for statements made by guests. This podcast does not make any representations or warranties about guests' qualifications or credibility. Individuals on this podcast may have a direct or indirect financial interest in products or services referred to herein. If you think you have a medical problem, consult a licensed physician.

Thaddeus McCotter. McCotter analyzes the president's recent address regarding the 2020 election, calling it a strategic narrative designed to insulate himself against potential midterm losses. He argues that focusing on past grievances rather than current economic concerns like gas prices and inflation may be counterproductive for the Republican Party's success. (14)1950 STORK CLUB