Podcasts about adequately

In this interview, Alicia Planincic, Economist & Manager of Policy, Business Council of Alberta, discusses a new report that shows the success of immigrants is vital to Canada's prosperity but their potential is too often unrealized due to common barriers. PRESS RELEASE New report shows the success of immigrants is vital to Canada's prosperity, yet their potential is too often unrealized due to common barriers CALGARY, ALBERTA; Economic immigration can do many amazing things for the Canadian economy, but only if we do it right. That means planning our systems to bring in people with the right skills our economy needs and providing newcomers with the supports they need to succeed. Today, the Business Council of Alberta released its latest research paper;The Struggle for Success which identifies five common barriers that many newcomers to Canada face after arriving; developed through consultation with newcomer serving agencies, businesses, and newcomers themselves. The paper also provides preliminary policy considerations to begin addressing these issues. The paper highlights two fundamental barriers to newcomers' success:     Official language proficiency—this is one of the biggest barriers for newcomers. Language learning services are not always accessible or able to keep up with growing demand.     Connection to available settlement services—while Canada has a comprehensive network of services, many do not know about them. Less than 40% of newcomers access settlement services within their first year of receiving their Permanent Residency. While not all require them, others do. And three that more specifically interfere with their success in the labour market:     Access to a personal and professional support system—newcomers often have limited support systems in Canada, which makes navigating a new city and country such as finding a job, a place to live, or even a school for their children more difficult.     Discrimination in the labour market—newcomers often face negative bias when entering the job market. These might include having foreign experience; “second-language accents”; or even “foreign-sounding names.”     Recognition of foreign education, experience, and credentials—newcomers in regulated professions can often find that they require additional education or training to be able to practice their profession in Canada, and often the door can be nearly shut altogether. “Supporting newcomers learning an official language should be job number one—nothing supercharges social and economic integration like language skills, and conversely our research showed that a lack of those skills can often be the most significant roadblock to newcomer success,” says Adam Legge, President of the Business Council of Alberta. “Right now, we are not matching language training funding to the number of immigrants, and that is not optimal for the country or newcomers themselves.” Preliminary policy considerations to address these barriers include:     Adequately funding language training to the scale of newcomers: As Canada is set to welcome more newcomers than ever before over the next few years, the capacity of language programs will need to respond to this expected increase in demand.     Improving connections to and awareness of the available services: As few as 8% of newcomers may learn about available services at a government office upon landing. The Calgary Gateway program offers a positive model for potential improvement.     Better, faster, and more predictable credential recognition: Learning from the success of policies like the Alberta Labour Mobility Act, as well as encouraging regulatory bodies to identify specific training gaps, and standardized competency testing. This is the fifth paper in the Council's series on Canadian immigration. The next paper, which explores the potential unintended consequences of rapid population growth, will be released later this month. The Council has also stuck an expert task force to develop actionable policy recommendations to address the opportunities and barriers identified throughout this work. The full paper is attached to this release and can be found at BusinessCouncilAB.com. About the Business Council of Alberta. The Business Council of Alberta is a non-partisan, for-purpose organization dedicated to building a better Alberta within a more dynamic Canada. Composed of the chief executives and leading entrepreneurs of the province's largest enterprises, Council members are proud to represent the majority of Alberta's private sector investment, job creation, exports, and research and development. The Council is committed to working with leaders and stakeholders across Alberta and Canada in proposing bold and innovative public policy solutions and initiatives that will make life better for Albertans. Mario Toneguzzi is Managing Editor of Canada's Podcast. He has more than 40 years of experience as a daily newspaper writer, columnist, and editor. He was named in 2021 as one of the Top 10 Business Journalists in the World by PR News – the only Canadian to make the list About Us Canada's Podcast is the number one podcast in Canada for entrepreneurs and business owners. Established in 2016, the podcast network has interviewed over 600 Canadian entrepreneurs from coast-to-coast. With hosts in each province, entrepreneurs have a local and national format to tell their stories, talk about their journey and provide inspiration for anyone starting their entrepreneurial journey and well- established founders. The commitment to a grass roots approach has built a loyal audience on all our social channels and YouTube – 500,000+ lifetime YouTube views, 200,000 + audio downloads, 35,000 + average monthly social impressions, 10,000 + engaged social followers and 35,000 newsletter subscribers. Canada's Podcast is proud to provide a local, national and international presence for Canadian entrepreneurs to build their brand and tell their story. Help support the channel by connecting with #canadaspodcast YouTube: https://www.youtube.com/c/canadaspodcast Website: https://canadaspodcast.com Instagram: https://www.instagram.com/canadaspodcast Facebook: https://www.facebook.com/canadaspodcast Twitter: https://twitter.com/canadaspodcast LinkedIn: https://www.linkedin.com/company/canadas-podcast Want to stay up-to-date on the latest #entrepreneur #podcast and news? Subscribe to our bi-weekly newsletter at https://www.canadaspodcast.com/newsletter-signup

Is real estate cheap, adequately valued, or overpriced? I explore.  Everything considered includes: inflation-adjusted price, affordability, quality, and other nations' prices.  Stadium trends are affecting urban real estate. More plan to move outside of downtowns. I divide society into four groups of people. Then I discuss who is harmed by inflation and who benefits most: 1: The poor—lose 2: Paid-off homeowners—hedge 3: Mortgaged homeowners—hedge and profit 4: Mortgaged income property owners—hedge, profit, and increase income  Learn how to talk to your tenant so that they never think “How the Rent Stole Christmas”. It'll help ensure timely rent payments. Many tenants don't understand that you have a mortgage to pay. Finally, I reveal the exact percentage number that indicates GRE's 2024 National Home Price Appreciation Forecast. Timestamps: Real Estate Valuation and Gold Ratio (00:02:53) Explains the concept of using the home price to gold ratio as a measure of real estate value and compares it to the long-term average. Global House Prices (00:05:28) Discusses how US home prices are comparatively cheaper than those in other developed nations, such as Australia and Canada. Impact of Quality on Real Estate Value (00:06:40) Highlights the increase in home size, amenities, and safety features over time, suggesting that today's homes offer more value at a potentially lower inflation-adjusted price compared to the past. The trend of sports complexes with casinos (00:12:15) The speaker discusses the trend of building sports complexes with casinos, mentioning examples such as Mark Cuban's plan for a new Mavs arena and the proposed entertainment complex and casino next to Citi Field. The necessity of a second job due to inflation (00:13:36) The speaker explains why inflation makes a second job necessary, emphasizing the importance of investing money at a rate higher than inflation to maintain prosperity and quality of life. The four groups and their relationship with inflation (00:14:46) The speaker categorizes four groups of people based on their ownership of property and how they are affected by inflation, highlighting the benefits and disadvantages each group experiences. The Landlord-Tenant Relationship (00:24:22) Discussion on maintaining open lines of communication with tenants and addressing misconceptions about landlords being greedy. Explaining Property Expenses (00:25:37) Informing tenants about the various expenses that landlords have to cover, such as mortgage, insurance, taxes, and maintenance. Forecasting Home Price Appreciation (00:29:04) Discussing past predictions and forecasts for future home price appreciation, including insights from various agencies and factors influencing prices such as housing supply and interest rates. Home price appreciation forecast (00:35:22) Keith Weinhold discusses his forecast for home price appreciation for the next year, which he predicts to be 4%. Investment decisions based on forecast (00:36:51) Keith Weinhold mentions that people are increasingly making investment decisions based on forecasts, but reminds listeners that forecasts are not guarantees. Resources mentioned: Show Notes: GetRichEducation.com/481 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Speaker 1 (00:00:01) - Welcome to GRE! I'm your host, Keith Weinhold. Today is real estate underpriced, adequately priced or overpriced? All outline a hierarchy of winners and losers with inflation in real estate. How the rent stole Christmas. Then the verdict is in as I reveal GRE's 2024 home price appreciation forecast all today on Get Rich education. When you want the best real estate and finance info. The modern internet experience limits your free articles access, and it's replete with paywalls. And you've got pop ups and push notifications and cookies. Disclaimers are. At no other time in history has it been more vital to place nice, clean, free content into your hands that actually adds no hype value to your life? See, this is the golden age of quality newsletters, and I write every word of hours myself. It's got a dash of humor and it's to the point to get the letter. It couldn't be more simple. Text grey to 66866. And when you start the free newsletter, you'll also get my one hour fast real estate course completely free.   Speaker 1 (00:01:18) - It's called the Don't Quit Your Day dream letter and it wires your mind for wealth. Make sure you read it. Text grey to 66866. Text grey 266866.   Speaker 2 (00:01:35) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Speaker 1 (00:01:51) - Welcome to GRE! From North Pole, New York, to North Pole, Alaska, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to Get Rich Education on Christmas. Happy holidays. Today is real estate cheap? Adequately valued or overpriced? Well, to many it doesn't feel like a relative bargain today, when you see how much housing prices and payments have escalated these past three years. There are a lot of ways to approach the question about whether today's U.S. real estate is cheap, adequately priced, or overpriced, so let's approach them. But when you ponder that question, didn't dollars quickly come to mind? Well, the median home price is $431,000 today, depending on how you slice it. Let's not be quick to forget that when you're looking for a measuring stick to determine the value of real estate or anything, dollars are an exceedingly poor way to track value.   Speaker 1 (00:02:53) - Because also, starting about three years ago, their slow, steady debasement turned into a rapid debasement and dilution of purchasing power. Dollars keep getting so relentlessly debased that, well, of course, it would take substantially more of those dollars to buy most anything today than it did three years ago. Property included. And this is precisely why the car that you own today costs more dollars than your grandparents first home did. Okay, so let's cancel out dollars. For 5000 years, gold has had enduring value. It's been a loose barometer for inflation all that time. As the dollar goes down, it takes more of them to buy the same amount of gold. So rather than pricing the home in dollars, wouldn't it make more sense to use the home price to gold ratio? Yeah, that is just what it sounds like. Instead of comparing home prices to dollars, compare it to how many ounces of gold it takes to buy a home and track that over time. Well, we find out that today it only takes about half as many ounces of gold to buy a home today as the long term average.   Speaker 1 (00:04:12) - And that's dating all the way back to the year 1889, yet just half as many. Yeah, that is a data set in the past 130 plus years, when you take the long term average of how many ounces of gold it takes to buy a median single family home, realize how special this comparison is. You now see the value of two of the most popular real assets relative to each other. All right, so home prices now appear low since it takes just 50% as much gold to buy a home today. But isn't that measure right there in itself enough evidence to say that real estate is under priced? No, that's certainly not. But it is one powerful touch point. We need more than that. Consider global house prices. So much of the world is a renter nation compared to the US, because home prices are substantially higher in other developed nations, from Australia to Canada, Canadian home prices are still nearly double the price of the same US home. This is a second powerful measure that US home prices are cheap here in the middle of the 2020s decade.   Speaker 1 (00:05:28) - Well, let's add some more. Consider affordability. Can people afford homes? Well, there is wage growth, which often lags home price growth in, you know, your wage growth. It often lags inflation until the latter part of an inflationary cycle like where we could be now. But let's look at what really happens. Most people don't buy property based on its price as much as its monthly payment. It's the affordability of that payment that most people are looking at. Today's mortgage rates, though, they don't feel low because of where we were a few years ago. Like I mentioned here on the show before, mortgage rates are still below their long run average of 7.7%. This is another important measure of how real estate prices in America today are not overpriced. But what I'm going to do now is turn the prism in another direction here so that the sunlight strikes it differently. Let's shine the light somewhere else, because we still have not adjusted for something extremely important. When you're valuing real estate or anything for that matter.   Speaker 1 (00:06:40) - Let's look at the attribute of quality. Yes, we need to adjust for quality since 1889. And. An ounce of gold is just still that same ounce of gold. Its physical properties have not changed one bit since the year 1889, which is one reason why it's a good measuring stick and why I brought it up earlier. But in 1889, let's look at real estate. It has changed to an astounding degree. A new Victorian style home back then had sparse amenities and perhaps 950ft². And yet that was a normal sized home back in that era. In 2023, a home average 2415ft² in today's home has features that would be considered unthinkable luxuries yesteryear like air conditioning, multiple bathrooms, quartz kitchen countertops and closets vast enough that you could play pickleball inside them so you're getting more, more home today. Between today's home size, lot size, amenities, and safety features, you can make the case that you're getting five x more, or perhaps even ten x more home than you were in 1889. And you're getting that perhaps even at a lower inflation adjusted price.   Speaker 1 (00:08:13) - And the more you realize all of this, you can increasingly validate asking the question, why are homes still so cheap in America today? And there are some other factors too. But all things considered, one can surely make the case that today's US residential real estate is not overpriced. It's cheap. As we're talking about the relative valuation of homes today. Here's a hint this plays into when I'll reveal Gary's 2024 home price depreciation forecast at the end of the show today, where I will pin the projected appreciation number down to the nearest whole percent for you. That's how exact we're going to get before we talk about residential real estate again. When we discuss how the Reds stole Christmas, let's discuss a niche of the commercial real estate market here that we've never discussed that Gary, before. And it's so interesting whether you are a sports fan like me or you're not. And that is stadiums. Yes, sports stadiums have a lot to do with urban real estate dynamics, and they're even more important amidst this struggling office sector that's already hollowing out parts of some downtowns.   Speaker 1 (00:09:30) - Well, the reason that I'm telling you about this with stadiums is that it looks like a new trend now. About 30 years ago, there was a trend toward having urban stadiums beginning to use these great city skylines or old historic buildings as backdrops. Everyone points to Camden Yards in Baltimore in the 1990s as kicking off the urban real estate ballpark trend. All right, we'll fast forward 30 years to today. Earlier this month, Ted Leonsis, the owner of the NBA's Wizards basketball team and the NHL's capitals hockey team, both in Washington, DC. They announced the deal to move both teams from downtown D.C. across state lines to Alexandria, Virginia, although at last check no official documents had been signed. So, yes, moving them out of the central city, the move looks like a huge win for Virginia. By the way, it's the most populous state without any big league sports teams. That's where the two teams could play. At the heart of a new proposed $2 billion, 12 acre entertainment complex as soon as 2028.   Speaker 1 (00:10:46) - But it is a huge bummer for the nation's capital. Yes, Washington, D.C. it has one of the highest rates of people working remotely in the US, so that hollows out the urban core. DC's once buzzing downtown is still struggling to recover post-Covid. Now, DC Mayor Muriel Bowser, who has made a last minute offer to Leonsis to keep the teams right there in the city, faces the potential loss of two major fan bases and a sports hub. It's right there in the city's Chinatown area. Yeah, this could be a new trend in stadiums in shaping the complexion of urban real estate. Now Leonsis is playing for Virginia. That really places him, among other billionaire franchise owners that want to build these massive entertainment complexes near their teams in order to capitalize on this growing synergy between sporting events and other nightlife and entertainment, and part of what's really going on here. Is the legalization and the spreading of sports gambling. That's the big prize that some other franchise owners are chasing a casino as part of this complex next to the stadium, and oftentimes you're going to have to move the team out of the city center to build these big multi acre complexes that will surround the sports stadium.   Speaker 1 (00:12:15) - Earlier this month, Dallas Mavericks owner Mark Cuban he came one step closer to his dream of building a new Mavs arena in the middle of a resort and casino after he struck a deal to sell his majority stake of the team to a casino mogul named Miriam Adelson. In November, New York Mets owner Steve Cohen, along with hard Rock international, they proposed an $8 billion entertainment complex and casino to be built next to Citi Field. These are major urban projects, so this trend of sports complexes with casinos is really picking up in the nation, but not absolutely everywhere in Oklahoma City. There is an exception there. In OKC, voters approved a good old fashioned 1% sales tax for the next six years to fund the construction of a new downtown arena for the OKC Thunder, and with that agreement, the Thunder could stay in OKC through 2050. We're talking about how a trend worth tracking in urban real estate is stadiums leaving downtowns. Now, one reason that I often talk about the power of inflation ravaging most people's lives here on gray is because it's so bad that it means you need a second job.   Speaker 1 (00:13:36) - Yes, you do not in the traditional sense. But look, if you are, say, during the day, a corporate attorney or you're a financial systems analyst or you're a crab fisherman, why can't you just do a really good job at your day job in that position and then go home and at the end of the week, call it good enough? Why can't you just do that? Well, you cannot do that because if you're being paid in dollars, your second job is learning how to invest those dollars at a rate higher than inflation. Otherwise, your prosperity gets diminished in your one quality of life and one set of opportunities are going to suffer. That's why inflation makes a second job a necessity. So your second job is investing. The other reason that I often discuss this topic is because, as we know, real estate helps you profit from inflation three ways at the same time. Two weeks ago I told you that if you want to learn more about how that works with the Inflation Triple Crown, that you can go to get rich education.   Speaker 1 (00:14:46) - Com slash Triple Crown to watch my free three part video series, I did that because I've described the inflation Triple Crown here on the show before, and I don't want to be too repetitive, but seeing that it is an enduring great principle. I've got a new way to explain this to you. Whether you're a long time listener or a newer one, then you're going to get some perspective out of this. I think you're really going to like it. What we're going to do is let's look here at four groups of people and see how much they benefit from or lose to inflation. We're going to view this through a real estate lens. Let's go from the worst off group to the best off group. And then what you can do is see which one of these four groups you belong to. The first group are the poor. They don't own any property and therefore they don't benefit from inflation one bit. This first group, the poor, their grocery and energy expenses are exacerbated by inflation, but yet they have no assets to benefit from it if they have a job.   Speaker 1 (00:15:54) - But the poor tend to have the job type wage that lags inflation, so the poor lose to inflation. The second group. So getting a little better off as we move through here. They are the primary residence homeowner with a paid off mortgage. So they benefit from one crown of the inflation triple Crown, yet they are better off. Two of every five homeowners have a paid off mortgage, just like this second group does here. And if there's 10% inflation over, oh, a couple years, well then there are 500 K home price floats up to 550 K and now they got 10% more dollars. But each one's worth 10% less. So at least they didn't lose purchasing power. But they are right back where they started. So this homeowner with the paid off mortgage does not profit from inflation. They are merely hedged. Then we have the third group out of four. This third group is homeowners. Again, just primary residence owners with a mortgage. Yep. They're actually better off than Group two with the paid off mortgage.   Speaker 1 (00:17:04) - Just in terms of who benefits from inflation. So like the second group, 10% inflation makes this third group's 500 K home rise to 550 K. But this mortgaged homeowner has another benefit. There are 400 K mortgage on this property, gets water down to just 360 K of inflation adjusted debt. And that is because inflation makes salaries and wages and prices and rents float higher, making the debt easier to pay back over time. Banks and lenders don't ask you to repay them with inflation adjusted debt, they will accept your diluted future dollars. It's like they got you locked in to a contract that was good for you years earlier. That effect is called debt debasement. And this is why this third group now benefits from two crowns as primary residence homeowner with the mortgage. And then come on, you know who this fourth group is? The coup de gras landing, the deathblow to inflation because they really make out in profit, benefiting from all three crowns. This fourth group owns income property with a mortgage. If you listen to this show, you're constantly trying to add more income property with a mortgage.   Speaker 1 (00:18:30) - And that's precisely what we hope you do here in gray. And this fourth group has both asset inflation like the second group and the debt debasement benefit like the third group. And additionally the rent income will outpace inflation enriching them. Now listen to this part closely for just a minute or two because the math is simple. But there are a few numbers here. Say you begin with $2,000 of monthly rent income on your rental property, minus your $1,200 mortgage, -$600 of expenses. That's $200 a monthly positive cash flow left over. All right. We're going to add 10% inflation on all that. And this inflation could happen in one year or over a number of years like magic. Now you've got $2,200 of rent income up from 2000 minus that same $1,200 mortgage balance because it stays fixed, -$660 of expenses, up from 600. All right. You're now left with $340 of cash flow. That's up from 200 bucks before the inflation. Do you understand the significance of this? Do you see how you're really on the superhighway to financial freedom? This is big because the mortgage principal and interest payment stays fixed with just 10% inflation.   Speaker 1 (00:19:58) - You just saw the money you feel in your pocket each month skyrocket from $200 to $340. In that example, that's 70% more income, 70% more. Extrapolate that effect across your entire rental portfolio. Wow. That is called cash flow enhancement. The third and final crown of the inflation Triple Crown. You just won all three with a loan on an income property. And hey, congratulations. If you caught that and you would have had to skip back to listen again, you are really on your way to understanding a path for creating wealth in your life. Now. I sure kept that example general in order to simplify things. And also some people span multiple groups. For example, poor people in terms of income could still be homeowners. Let's review what you just learned there. With inflation in real estate, the poor lose paid off, homeowners hedge, mortgaged homeowners hedge in profit mortgages income property owners hedge profit and increase income. So look and this is kind of weird. Once you've got income property, you might notice that the price for a pound of salmon rises from 1599 up to 1899, or that a Ford F-150 truck price spikes from 50 K up to 55 K over time, these could actually be strangely positive signs.   Speaker 1 (00:21:40) - It's a soft indicator that your real estate wealth is growing, though people would think you're nuts. I mean, you might secretly start. Rooting for inflation as avidly as an NFL Philadelphia Eagles Tailgater. Now, I'm not really sure if you'll pump your fist after the first time that you pay 12 bucks for a gallon of gas. We'll see about that. Well, hey, now that you've done the hard learning coming up straight ahead, a little more entertaining here how the rent stole Christmas and the anticipated 2024 Jerry housing price appreciation forecast. I'm Keith Weiner. You're listening to episode 481 of get Rich education. Role under the specific expert with income property, you need Ridge lending Group and MLS for 256. In gray history, from beginners to veterans, they provided our listeners with more mortgages than anyone. It's where I get my own loans for single family rentals up to four Plex's. Start your pre-qualification and chat with President Charlie Ridge personally. They'll even customize a plan tailored to you for growing your portfolio. Start at Ridge Lending group.com Ridge lending group.com.   Speaker 1 (00:23:00) - 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%. Their minimums are as low as 25 K. You don't even need to be accredited for some of them. It's all backed by real estate and that kind of love. How the tax benefit of doing this can offset capital gains 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 66866. Oh, and this isn't a solicitation. If you want to invest where I do, just go ahead and text family to six, 686, six.   Speaker 3 (00:24:04) - This is Ridge Lending Group's president, Shale Ridge. Listen to get Rich education with Keith Wine.   Speaker 3 (00:24:10) - Hold and remember don't quit your daydream.   Speaker 1 (00:24:22) - Welcome back to get Rich education. I'm your host, Keith Reinhold. Be friendly, not friends. Those four words are the best concise guidance for how a landlord should keep their relationship with tenants. But there's a persistent school of thought out there among some in the general public. And it is that landlords are greedy. Landlords like you even want rent on January 1st. Who do you think you are, the Grinch that stole Christmas? Well, as a landlord, of course, you should maintain open lines of communication with your tenants if you're also managing them. When it comes to things like those top priorities, I mean repair and maintenance issues. But when I've had conversations with tenants and by the way, I don't anymore, my property managers do. Let me share with you some pieces that I have gently inserted into my conversations with tenants in regard to rent collection. This has done a lot to ensure timely payments, and they've always known then that my intent is not to steal Christmas.   Speaker 1 (00:25:37) - I see a lot of tenants. They're smart people, but they just don't understand your situation as an income property owner, often with a mortgage on your rental property, many tenants think that you just take their rent payment of, say, $1,800 and that that money is all yours for, say, a big Hawaiian vacation. You and I both know that most of that rent income is spoken for and already passed along for your expenses. One thing that you can tell tenants is, I have a big mortgage on this property to pay every month. That's what you tell them. Younger tenants are less likely to know this at all. Another thing that you can say is 90 to 95% of the rent goes toward all the property expenses, which are always going up. Yeah. I mean, these are your mortgage, insurance, property tax, maintenance, repairs, turnover, utilities and more. That's what I've called mortgage plus vim. Tom expenses, vim Thomas vacancy insurance, maintenance, taxes, utilities and management. Yeah.   Speaker 1 (00:26:47) - Even with the decently cash flowing mortgage rental, this statement is true. 90 to 95% of that rent is gone. It's not yours. Another thing you can tell tenants is I'll be in debt all my life. That's another thing you can mention. And of course, you and I both know that that's good debt. Another thing that you can say to tenants, and really, this is just something else that could be said to broader society that thinks that landlords are greedy. And you can say this, I build up my credit score, made a big down payment and put my money at risk. That's what you say? Yep. Ian, you did all this to provide good housing to strangers. How is that greedy? You can also just simply say I don't have a 401 K, and the more you listen to this show, the more you would ask yourself, why would you want one? And I'll leave you with this last one. I must constantly maintain this property. That's what you say, and you should constantly maintain that property.   Speaker 1 (00:27:52) - Now, you probably only need to bring up 1 or 2 of those sentences with tenants. The best time for you to do it is actually. Just before they're officially attendants. Say those things right at the beginning of the relationship. When you're just reviewing the lease, when you're going over that with them and they're about to sign that initial lease. Or you could also mention this months later when they pay the ongoing rent. So this is about your ongoing tenant relations. So they understand your situation. They're going to know that you're a human and you have your own set of issues in financial obligations and you have to take care of. And it's always about telling the truth. Only a Grinch would lie during the holidays. So it's always about being honest and informative. And, you know, with all of that said, it is somewhat of a paradox that all of this can be true. And yet at the same time, strategically bought property is so profitable on your side and see with your tenants, this is not the optimum time to wax poetic about how financially free beats debt free.   Speaker 1 (00:29:04) - Yes, it's really remarkable that all these statements can be true, even if 90 to 95% of your written income goes toward your mortgage and operating expenses, all while real estate pays five ways at the same time. And now they'll know that the rent they pay is not the rent. It's still Christmas, and you sure are not the Grinch. Let me prepare you for Gary's National Home Price Appreciation Forecast for 2024. First things first how well have past predictions performed? Well, let's take a look at this using the Nars number of median existing single family home prices. Understand that the forecast that I make here is always made near the end of the year, prior to the year forecast. It's all done ahead of time and unlike a lot of agencies, we don't revise our forecast later. It's all set in stone before the forecast year begins in late 2021. Recall that we had just come off a year there, 2021, when national home prices were up 20%, and some people predicted that prices would fall in 2022.   Speaker 1 (00:30:12) - Oh no. I let you know in late 2021 that home prices were going to rise a healthy 9 to 10% for 2022. That was the forecasts made at the time, and the result was 10%. Then late last year, you had more agencies predict that prices would fall. I let you know. I did not see how with such low housing supply and some of the other reasons. So I forecast 0% for this year. Yeah. Forecast, no gain, no loss. And as far as the result there it is too early to know yet. The year isn't done. All right. We'll build some context here as I make the reveal the forecast for next year. How about other agencies. What are they forecasting for next year. At last check, the NBA mortgage Bankers Association says home prices will rise 4%. Fannie Mae 3%, Freddie Mac 3%. The HP's. That is the home price expectation survey. They forecast 2% appreciation. Goldman Sachs also 2%. The Na 1%. Zillow 0%. Realtor.com -2%.   Speaker 1 (00:31:23) - If you take all of those and average them, you get a forecast of about 1.5% appreciation for next year. I'll tell you as we lead up to our forecast here, I'll let you know that it is not that close to the 1.5% average from those agencies. And none of those figures understand, including mine, are inflation adjusted. So nominal prices. All right. Well let's look at what we use to determine the trajectory of home prices. How is housing supply looking. We know demand is strong. Well with the fed active listing count data that I usually use where the normal supply is 1.5 million units or more will. The current amount is about 750,000. So it has rebounded somewhat, but it's still less than half of what's needed. And this dearth of supply supports more upward prices. Let's look at interest rates. Recent developments from the last fed meeting show us that Jerome Powell does not plan to put a rate hike lump of coal in your Christmas stocking now or anytime soon. Everyone wants to talk about how far rates are going to fall next year.   Speaker 1 (00:32:40) - But here's the thing to remember. Like I've discussed before, mortgage rates hardly matter when it comes to prices. They don't have much to do with housing prices at all, and I've discussed why a few times before. In short, that is because when rates rise, yes, it hurts affordability, but rates also rise when the fed is trying to cool a hot economy in that hot economy is what helps prices. Conversely, when rates fall, it helps affordability. But unemployment is higher and we might be in a recession when rates are falling and that constrains upward prices. You know something even real estate agents in the certification course, they have to take in those ongoing agent continuing education classes. They're taught that higher mortgage rates mean falling prices, but yet in reality, they almost never do. Just look at history. She she don't have to look any further than the last few years. Rates tripled and prices rose anyway. So when an agent prepares a CMA, a comparative market analysis for a client, agents are taught to consider mortgage rates with CMAs because higher rates put downward pressure on house prices.   Speaker 1 (00:33:58) - Yeah. Agents are taught that mortgage rates determine buying power, but they aren't taught the entire economic picture like I just briefly explained. So the point is that the direction of mortgage rates are not completely, but they're actually largely irrelevant in forecasting prices. Four out of every ten homeowners in this nation are free and clear with no mortgage. And among those that do have a mortgage 62. None of them still have a rate under 4%. All right. So if mortgage rates do drop next year from 7% to 6%, it still doesn't become that attractive for those homeowners locked in at that really low rate to sell. And yet if rates do fall to 6%, you're going to have a larger buyer pool because more people can now qualify to buy a home. Looking at the broader economy. Jobs are still being added, but many are part time jobs and GDP growth is strong. Unemployment is under 4%, CPI inflation, that's near 3%. So I'm not going to be full speed ahead with a huge number for next year's appreciation rate, because the economy, it still has a pretty substantial chance of slowing down because all these pass rate increases, lag effects could show, but that won't totally break the economy.   Speaker 1 (00:35:22) - And note something Fannie, Freddie, and FHA, they all announced higher conforming loan limits for 2024, and that's because they expect that more home price appreciation is coming. And I do too. We're a show about rental income. So what do I forecast? Prices rather than rents anyway? Well, there's a few reasons rents are more stable, so there's not as much to talk about that 15% year over year rent increase from last year that is seriously atypical. Also, as you are leveraged, you're going to get more overall gain from price appreciation than you do rents. As everything that I discussed and more has been weighed and analyzed in sprinkling in the spice of my personal experience as a direct real estate investor, I am happy to report to you here on the last show of the year that my expected home price appreciation rate for next year is 4%. Yes, a pretty historically normal 4% for next year. As the forecasts for the previous couple years, they saw more anomalous numbers, of course. What's that mean to you, the savvy leveraged investor? If you make a 25% down payment on a property, meaning you're leveraged 4 to 1 as best I can see it, you will then have a 16% return on your invested capital.   Speaker 1 (00:36:51) - Just as one of up to five ways that you're simultaneously paid. Increasingly, people make investment decisions based on the forecast any reasonable person should know. But I then be remiss not to remind you that this is a forecast, not a guarantee. Is this is the last show of the year. I trust that you've got even more to be grateful for than the expected 4% home price appreciation. I am sincerely grateful to have you as a listener this week, every week, and for another year here, as I'm sure you'll understand that I recorded this episode a few days before Christmas so that I could have a free and clear holiday. Best wishes on the remainder of your holiday season. I'll be back next week. Right on cue to talk about investing in a new way that you've never thought about before. May all of your New Year's resolutions be as successful as the home price forecast. Uh, until then, happy holidays to you and yours. I'm Keith Reinhold. Don't quit your daydream.   Speaker 4 (00:37:56) - Nothing on this show should be considered specific, personal or professional advice.   Speaker 4 (00:38:00) - 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.   Speaker 1 (00:38:24) - The preceding program was brought to you by your home for wealth building. Get rich education.com.

Speaker of Parliament, Alban S. K. Bagbin, has proposed that the reopening date be shifted to the first week of January to allow both parents and teachers to prepare adequately.

Clare County Council is assuring it's "adequately prepared" to maintain the county's roads throughout the winter cold snap. It comes as a low level yellow cold and ice warning comes into effect for Clare and 22 other counties this evening from 6 o'clock and will remain in place until midday on Friday. Met Éireann is warning that temperatures could fall below -3 degrees in many places, while frost and ice will cause hazardous travelling conditions. Senior Engineer with Clare County Council, John Leahy says salt stock levels are high and its team is equipped to keep the roads safe throughout the winter period.

I promoted a PBS series that featured a 15 year old boy who committed suicide shortly after filming the segment. We need to address Native youth suicide! We take listener calls to address the outing of Buffy Sainte Marie.

A landmark threat-reporting system for the public to counter terrorism and extremist violence is in limbo. The system was a key recommendation after the Christchurch mosque attacks, with the Royal Commission of Inquiry suggesting it be implemented by the end of 2021. But the outgoing government failed to get a final plan for the new system over the line before the election. Islamic Women's Council spokesperson Aliya Danzeisen spoke to Susie Ferguson.

Sponsored by The Story Weavers - www.thestory-weavers.com If you would like to read the blog post, go to https://www.thestory-weavers.com/pages/blog?p=dissecting-socializing-in-the-realm-of-education-an-analytical-diveIntroductionDefinition and Importance of SocializationDeciphering the Complexities of SocializationWhat Exactly Is "Socializing"?What Specific Skills Does "Socializing" Include?Learning Norms and ValuesEmotional GrowthConflict ResolutionEstablishing IdentitySocial Cues and Reading Body LanguageHistorical Context of SocializationHow Humanity Socialized Before Mass SchoolingThe Role of the Family UnitApprenticeshipsCommunity and Tribe's RoleInfluence of Religious InstitutionsWork, Chores, and Child ContributionPlay and Peer InteractionRole of Oral TraditionsExposure Through Travel and TradeTraditional Schooling vs. Socialization SkillsWhat Skills Do Traditional Schools Focus On?Communication SkillsEmpathyConflict ResolutionSelf-regulationCooperation and CollaborationCritical ThinkingCultural AwarenessConclusionAnalyzing Socialization in Context of Education ChoicesThe Opportunities Presented by Homeschooling 

For those of you who need it, I am hereby giving you permission to put you first. But…here's the thing, you don't need my permission. You need to know that you are important enough to you that taking those small steps that relate to nobody but you is the thing that's going to ground you in so much power, love, comfort, and ability, that there's nothing that you can't accomplish! Today's show is not just about prioritizing yourself but putting yourself at the top of the list. This isn't about neglecting everything and everyone. It's about being intentional in doing small things that bring you energy and joy. It's about taking time for yourself but still staying clear on your vision, aligned with who you are, and then taking action that is aligned with who you are and connects your purpose with what you are trying to build.

Learn the positive effects of psychedelics on mental health Psychedelics had always been shrouded in stigma and misunderstanding. These substances, known to induce altered states of consciousness, have been the subject of controversy and curiosity. The effects of psychedelics on health range from sensory distortions to profound emotional experiences. However, research is shedding light on the therapeutic potential of psychedelics on mental health. We are talking to someone from the therapeutic psychedelics industry. Ronan Levy is a five-time founder. A lawyer turned entrepreneur, he co-founded Field Trip Health, the world's largest provider of psychedelic-assisted therapies, and Reunion Neuroscience, a company listed on NASDAQ. On top of his entrepreneurial endeavors, Ronan also hosts the enlightening How We Evolve: A Non-Ordinary Podcast. In this episode, we have the privilege of tapping into Ronan's profound knowledge and insights regarding the transformative potential of psychedelics, their remarkable healing abilities, their role in personal growth, and their industry. Key takeaways: Psychedelics have been unfairly stigmatized and misunderstood, but they have significant therapeutic potential and can be transformative. Psychedelics like MDMA, psilocybin, and LSD have shown promising results in treating mental health conditions, particularly PTSD. Adequately controlled and supported psychedelic experiences can lead to profound healing and personal growth. The medical and legal landscape around psychedelics is evolving, with FDA approval for MDMA-assisted therapy on the horizon. Ronan's experiences in the cannabis and psychedelic industries have highlighted the need for more open-mindedness and evidence-based approaches. There is growing recognition of psychedelics as a legitimate medical treatment. Questioning societal norms and exploring opportunities in fringe industries can lead to new insights and business ventures. All this and more, on this week's episode of Beyond 7 Figures. Stay tuned for the next episodes, where I talk with more entrepreneurs who have broken through 7 figures. So, don't forget to subscribe to the show to get that episode as soon it gets released. Until then, be profitable. Links: https://www.instagram.com/ronandlevy/ https://twitter.com/ronandlevy How We Evolve: A Non-Ordinary Podcast-https://open.spotify.com/show/4fVdfaszGq33jLYxJCb9WE?si=cd504b64f8e74c96 The Ketamine Breakthrough Book-https://drmikedow.com/ketamine/

As the Voice referendum voting day approaches, some Filipino-Australians from Sydney are actively searching for information regarding the arguments presented by both Yes and No campaigners. - Patuloy na naghahanap ng impormasyon ang ilang kababayan mula Sydney tungkol sa mga argumento ng Yes at No campaigners habang papalapit ang araw ng pagboto sa Voice Referendum. Pakinggan ang kanilang mga pananaw sa pagtatanong ng SBS Filipino.

Along with NASH-TAG, Paris NASH is one of two famously small, science-based and publicly available events every year for the liver community. Given the depth of topics and ideas explored in Paris, the event in its entirety would be nearly impossible to cover in a single conclusive episode. That said, the Surfers (Jörn Schattenberg, Louise Campbell and Roger Green) are joined by two presenting KOLs, Scott Friedman and Laurent Castera, for a neatly packaged conversation to capture some of the key dynamics of the meeting. Particularly, the group hone in on developments in the landscape around NITs.This conversation starts with a question from Louise about whether utilizing CAP would provide added insight in light of what the group has discussed around NITs in the preceding conversations. Laurent responds that CAP is more related to inflammation and steatosis than to fibrosis, and Scott agrees. Laurent suggests that MRI-PDFF would be an ideal test for addressing this issue, but it is not cost-effective for regular practice. Therefore, he uses VCTE measures, including CAP, because the numbers he provides are motivating to patients. Louise asks how activation of stellate cells depends on disease and Scott notes that most stellate cell activation is driven by inflammation, not fat. However, this raises two challenges: whether lipotoxic mediators drive fibrosis directly or act through inflammation and, more broadly, that current clinical tools for measuring fat are quite broad. On this point, Jörn notes that as the liver progresses toward cirrhosis, it loses fat and thus makes  the entire issue more complex. Roger raises the question whether patient compliance and adherence might be affected negatively by uncertainty about the meaning of results. The rest of this conversation centers around Scott's comment about the complicated impact of using GLP-1s and other incretins to treat obesity will have on Steatotic Liver Disease (SLD) and challenges in treating and assessing adequately.  This episode and its conversations cover a range of fascinating insights stemming from yet another impactful Paris NASH meeting. If you have questions or comments around Paris NASH, NITs or any other themes addressed, we kindly ask that you submit reviews wherever you download the discourse. Alternatively, you can write to us directly at questions@SurfingNASH.com.Stay Safe and Surf On!

Do people in Ireland know how to react in the event of a flood, and are we prepared for flooding to become a more common issue?Alan O'Reilly from Carlow Weather, Councillor Deirdre Forde of Fine Gael, and Liz Dunphy, Reporter with The Irish Examiner joined The Last Word to discuss.Catch the full chat by pressing the 'Play' button on this page.

JP O'Sullivan, Network and Communications Manager at Mecpaths and Ann Mara, Education Manager at Mecpaths.

When everyone else is doing the same thing, what will help your gymnast stand out from the rest?Knowledge is power. And the understanding of "how to" when it comes to fueling a high-level gymnast can make all the difference in this sport. When every other gymnast with big goals and dreams is putting in the same hours in the gym, what is going to give your athlete the edge?  What is going to keep them healthy, prevent burnout, and reach those goals?For gymnasts, nutrition is the number one most controllable factor in doing everything we can as parents, coaches, and medical providers to support these athletes. Adequately fueling for the work required is the greatest gift we can give them to take their performance to the next level. But it doubles as a bonus because it's also the best way we can ensure their bodies and minds grow and recover appropriately. But it can be tough to know if your gymnast is eating enough, what to feed them, and the timing of it all. And it gets even tougher when you're dealing with a gymnast who's "never hungry" or a picky eater. There are so many pros to the temporary discomfort of standing your ground and holding the boundary as parents when it comes to adequately fueling. By making sure your gymnast is eating enough, you're giving them the best chance of success both in and out of this sport.  And the good news is your gymnast will likely come around to these changes, especially when they feel better Listen in to hear to help you reframe two things that are true:  Gymnastics is a privilege.  And it's your job as a parent to keep them safe.  In this episode you'll hear about: What you as a parent can do to protect your gymnast's health + your investment in the sport.Why underfueling is a safety concern during training and when parents need to step inThe gold standard nutritional approach for adolescents Links & Resources The Balanced Gymnast®  Program for level 5-10 female gymnasts Episode 57: How do I get my gymnast to eat enough?Episode 4: Relative Energy Deficiency in Sport and GymnasticsEpisode 31: Investing in Your Gymnast's Nutrition for Sport & LifeConnect with Christina on Instagram @the.gymnast.nutritionist or support@christinaandersonrdn.com  

This audio article posits that Australian Sergeant Majors could use more education to keep at pace with their counterparts in the USA.

On this episode of the Marty Called Podcast we discuss Rogers the Musical, Genie+ and Ben's recent trip to Walt Disney World.

7 Day FREE CONVERSATION CLUB TRIAL - https://www.patreon.com/thinkinginenglish ⁠ JOIN THE CONVERSATION CLUB  -- https://www.patreon.com/thinkinginenglish  Take a Class (Use code TRIAL50 for 50% off) - https://thinkinginenglish.link/ From the UK, to Japan, to the Caribbean, to the Pacific Islands, “curry” is one of the most popular and loved dishes around the world. For many people, it is synonymous with Indian food… but did you know that in India the term curry isn't used in the same way. Today, let's discuss what “curry” is, how it was invented, and how it has spread around the world! TRANSCRIPT - https://thinkinginenglish.blog/2023/06/28/246-the-history-of-curry-from-india-to-britain-and-the-world/ My Links ENGLISH CLASSES - https://thinkinginenglish.link/  ⁠Buy Me a Coffee - https://www.buymeacoffee.com/dashboard⁠ NEW YOUTUBE Channel!!! - https://www.youtube.com/@thinkinginenglishpodcast  INSTAGRAM - thinkinginenglishpodcast (https://www.instagram.com/thinkinginenglishpodcast/)   Blog - thinkinginenglish.blog Vocabulary Spice (n) - a substance made from a plant, used to give a special flavour to food. Aromatic (adj) - strong, pleasant smelling, usually from food or drink. Melting pot (n) - a place where many different people and ideas exist together, often mixing and producing something new. Culinary (adj) – connected with cooking or kitchens. Homogeneous (adj) - consisting of parts or people that are similar to each other or are of the same type. Adequately (adv) - in a way that is enough or satisfactory for a particular purpose. Flavour profile (phrase) - the specific combination and characteristics of flavours present in a particular dish or food. Subcontinent (n) - a large area of land that is part of a continent, often referring to South Asia. --- Send in a voice message: https://podcasters.spotify.com/pod/show/thinking-english/message Support this podcast: https://podcasters.spotify.com/pod/show/thinking-english/support

Daryl Ruiter talks about the Cavs' offseason, whether the organization is in championship or bust mode, the Browns' search for leadership, why he believes Deshaun Watson will fill that void more this year and the Guardians' inconsistencies. 

PMP Exam Training and Coaching based on the book, ⁠⁠⁠PMP Exam Immersion⁠⁠⁠ Direct Link: https://praizion.dpdcart.com/cart/add?product_id=221766&method_id=241716 Also based on the half-day LIVE training course, PMP Exam Immersion, available here: ⁠⁠⁠http://hpmexam.com⁠⁠⁠ Also find on UDEMY: ⁠⁠⁠http://udemy.com/pmpimmersion⁠ --- Send in a voice message: https://podcasters.spotify.com/pod/show/projectmanagement/message Support this podcast: https://podcasters.spotify.com/pod/show/projectmanagement/support

Some big and controversial changes are afoot in public education. Under legislation advanced by Republican lawmakers, North Carolina will soon enact a massive expansion of its hotly debated voucher program that will, for the first time, subsidize the tuition paid by wealthy families to private and parochial schools. What's more, this change comes at the […] The post Rev. Suzanne Parker Miller on vouchers and the failure to adequately fund NC's public schools appeared first on NC Newsline.

Are Dental Hygienists Adequately Trained to Care for Implant Patients? By Shavonne R. Healy, MSDH, RDH, ICP   Original article published on Today's RDH: https://www.todaysrdh.com/are-dental-hygienists-adequately-trained-to-care-for-implant-patients/ This audio article is sponsored by LISTERINE®. Although LISTERINE® Antiseptic is the most extensively tested over-the-counter mouthrinse in the world, with over 30 long-term clinical trials examining its safety and efficacy, there is still some misinformation out there over the uses of mouthrinses containing alcohol. To help understand the safety of alcohol-containing mouthrinses, in case any patients ask you about it, head on over to ⁠⁠https://rdh.tv/ListerineSafety⁠⁠   Need CE? Start earning CE credits today at ⁠⁠https://rdh.tv/ce⁠⁠  Get daily dental hygiene articles at ⁠⁠https://www.todaysrdh.com⁠⁠ Follow Today's RDH on Facebook: ⁠⁠https://www.facebook.com/TodaysRDH/⁠⁠ Follow Kara RDH on Facebook: ⁠⁠https://www.facebook.com/DentalHygieneKaraRDH/⁠⁠ Follow Kara RDH on Instagram: ⁠⁠https://www.instagram.com/kara_rdh/⁠⁠ *Although a sponsor of this audio article, LISTERINE® and Johnson & Johnson Consumer Inc. had no input into or control over the content being presented in this podcast.

Dealing with deficiencies and inadequacies in understanding and experiencing the whole Gospel…

Just when inflation seemed to finally be cooling, high interest rates claimed their first major victim: Silicon Valley Bank. And yet, central banks around the world claim the job is not finished, and more needs to be done to curb runaway inflation. But for some economists and business insiders, the latest debacle confirms a long held belief that central banks have largely failed as public institutions.  Their supposed neutrality is a farce, and they are inherently political bodies run by unelected officials. Democracy requires more than accountability, transparency, and good deliberation. It requires democratic power: the power of the people and their elected officials to steer policy. They argue central banks are in desperate need of transformation to better serve the economy and the public.  But others argue that the central bank has largely succeeded at seeing the global economy through turbulent times over many decades.  The fact that central bankers play an important role in society, but are unelected, does not mean that central banks by their very nature are inherently democratic.  And while some minor reforms may be warranted, central banks have been and remain one of the most resilient and effective public bodies.  Arguing for the motion is Thomas Palley, the former Assistant Director of Public Policy at the AFL-CIO. Arguing against the motion is Steve Kamin, Senior Fellow at the American Enterprise Institute, where he studies international macroeconomics and monetary policy. The host of the Munk Debates is Rudyard Griffiths - @rudyardg.   Tweet your comments about this episode to @munkdebate or comment on our Facebook page https://www.facebook.com/munkdebates/ To sign up for a weekly email reminder for this podcast, send an email to podcast@munkdebates.com.   To support civil and substantive debate on the big questions of the day, consider becoming a Munk Member at https://munkdebates.com/membership Members receive access to our 10+ year library of great debates in HD video, a free Munk Debates book, newsletter and ticketing privileges at our live events. This podcast is a project of the Munk Debates, a Canadian charitable organization dedicated to fostering civil and substantive public dialogue - https://munkdebates.com/   Senior Producer: Jacob Lewis Editor: Kieran Lynch

Opinion: State report finds public schools have failed to teach 40% of K-4 elementary students adequately in reading. Liv Finne of the Washington Policy Center believes the public is clearly running out of patience with the creaky and unresponsive public education model. https://bit.ly/3HaVEl6 #Opinion #Columns #Commentary #LivFinne #WashingtonPolicycenter #PublicEducationModel #PublicSchools #K4ElementaryStudents #Reading #GradeLevel #OfficeOfSuperintendentOfPublicInstruction #WashingtonState #ClarkCountyWa #ClarkCountyNews #ClarkCountyToday

State Senator Doris Turner joins John Williams to talk about her bill that would create the Illinois Flag Commission to develop new state flag designs.

State Senator Doris Turner joins John Williams to talk about her bill that would create the Illinois Flag Commission to develop new state flag designs.

State Senator Doris Turner joins John Williams to talk about her bill that would create the Illinois Flag Commission to develop new state flag designs.

he European Commission is taking Ireland to court for failing to adequately protect the country's rivers and lakes and their waters. According to the commission, Ireland has been in breach of EU directives on the issue for more than 20 years. Speaking to Newstalk Breakfast was John Gibbons an Environmental Journalist and Commentator. John Gibbons is an Environmental Journalist and Commentator.

FOLLOW UP: CAZOO TO CLOSE SOME UK SITESFollowing on the heals of their retreat from Europe Cazoo has confirmed that it will be closing some UK sites, in a bid to help their finances. The plan is to focus on selling fewer cars than last year but prioritising higher margin models. There will also be changes to senior management as the CEO and Chairman roles are to be split, with current CEO Alex Chesterman retaining the Chairman seat but Paul Whitehead becoming Chief Executive Officer. Click here to read more, from AMOnline. FOLLOW UP: MOT CHANGES PROPOSED AGAIN The UK Government has returned to proposals for changing the timing of MOTs, despite the outcry last time. The excuse of saving money was aired once more but now the claim that advanced technology such as LKAS will ensure safety is maintained. Motoring groups are united in condemning this idea. Again. Click this Autocar link to read more. FOLLOW UP: PARIS RESIDENTS TO DECIDE ESCOOTER FATEThe Mayor of Paris has decided that she wants the residents of the city to decide if they should have e-scooters or not. The three companies involved have implemented and proposed a number of measures to ease the concerns around their use. The referendum will be held on 2 April 2023. For more on this story, click the Move Electric article link here. TESLA SELF-DRIVING VIDEO STAGEDThe head of Autopilot software for Tesla confirmed, under oath, that the 2016 video claiming to demonstrate Autopilot driving the car without a human driver involved was staged. The video explicitly claims the person sat in the driver's seat is only there for legal reasons. This is testimony from a lawsuit connected to a 2018 fatal crash. Click here to read more, from Reuters. For more context on the issue of safety and Tesla software, click this Twitter thread from Mahmood Hikmet running through some of the shocking information that has come out. 2022 FAVOURITE COLOURSWith virtually no surprise, grey once again is the UK's favourite colour to daub on our brand new shiny cars. Whilst monochrome was the predominant hue last year it was nice to see that brown, sorry bronze, orange, yellow and green all increased in their visibility. Click here for the SMMT article running through all the details. Interestingly, sports cars do not conform to the mainstream trends quite as tightly. Click here for a Tweet from SportsandGT that links to a video running through those colour preferences. BAC NAMES EX-MCLAREN CEO AS CHAIRMANMike Flewitt, the ex CEO of McLaren has been named as the Chairman of Briggs Automotive Company. This appointment has occurred just as they enter the next stage of their scaling up.

Imagine Arnold and Carl's muscly handshake, except it's LeGrande and Jeremy, and they're probably holding DSes and Vitas in their brawny hands. This week the duo looks at Pokemon (an old one) and Call of Duty (a new one), and Jeremy does his best to describe indie adventure game Eastward using, er, "adequate" terminology. Plus, The Game Awards nominees, freebies, and our news speed-run to keep you in the know, at least briefly. Intro: "Main Menu" - Call of Duty Modern Warfare 2 DMZ mode Outro: "Outside" - Eastward, by Joel Corelitz Subscribe on YouTube http://www.youtube.com/gamebytesshow/ Check out our Discord community at https://discord.gg/ZTzKH8y Podcast audio produced by Jeremy Lamont

The Albanese government's first budget was warmly welcomed by most interested groups. But there are concerns it does not go far enough for key members of the Australian and global community. - Anggaran pertama pemerintah Albanese disambut hangat oleh sebagian besar kelompok yang berkepentingan. Tetapi ada kekhawatiran bahwa hal itu tidak berjalan cukup jauh bagi anggota kunci komunitas Australia dan global.

A new research paper was published in Oncotarget's Volume 13 on October 8, 2022, entitled, “Effectiveness of radiotherapy for local control in T3N0 rectal cancer managed with total mesorectal excision: a meta-analysis.” The total mesorectal excision (TME) significantly improves rectal cancer outcomes. Radiotherapy's benefit in T3N0 rectal cancer patients managed with TME has not been clearly demonstrated. In a new study, researchers Michael Jonathan Kucharczyk, Andrew Bang, Michael C. Tjong, Stefania Papatheodoru, and Jesus C. Fabregas from Nova Scotia Cancer Centre, Dalhousie University, BC Cancer – Vancouver, Princess Margaret Cancer Centre, Harvard T.H. Chan School of Public Health, and University of Florida Health Cancer Center conducted a systematic review and meta-analysis to determine whether radiotherapy alteres the risk of locoregional recurrence (LR) in T3N0 rectal cancer patients managed with a TME. “This systematic review identified unique 7 retrospective cohort studies which evaluated whether radiotherapy reduces LR in T3N0 rectal cancer patients managed with TME.” The studies indexed on PubMed or Embase were systematically searched from inception to October 18, 2020. Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) guidelines were observed for the literature search, study screening and data extraction; the Newcastle Ottawa Scale evaluated bias; Grades of Recommendation, Assessment, Development, and Evaluation Working Group system evaluated certainty. All were performed independently by at least two investigators. Studies that reported LR data specific to T3N0 rectal cancer patients managed with TME, treated with and without radiotherapy, were included. Data was pooled using a random-effects model. Meta-analyses of the relative risk of local recurrence were conducted. Five retrospective cohort studies involving 932 unique patients reported LR outcomes; no prospective studies met eligibility criteria. Median follow-up ranged from 38.4–78 months. Adjuvant radiotherapy was provided in 3 studies. Chemotherapy was delivered and reported in 4 studies, providing both concurrent and adjuvant chemotherapy. A non-significant LR benefit with radiotherapy's addition was estimated. Meta-analysis of exclusively retrospective cohort studies was concerning for biased results. Adequately powered randomized trials are warranted. “With low certainty, this meta-analysis observed a non-significant benefit with radiotherapy to 5-year LR rates among T3N0 rectal cancer patients that received a TME. Until a pragmatically sized randomized control trial is completed, our research adds a layer of data to facilitate informed and personalized treatment decisions for T3N0 rectal cancer patients, albeit with potential significant bias from solely relying on retrospective cohort studies.” DOI: https://doi.org/10.18632/oncotarget.28280 Correspondence to: Michael Jonathan Kucharczyk - michael.kucharczyk@medportal.ca Keywords: radiotherapy, meta-analysis, systematic review, rectal cancer, total mesorectal excision About Oncotarget: Oncotarget (a primarily oncology-focused, peer-reviewed, open access journal) aims to maximize research impact through insightful peer-review; eliminate borders between specialties by linking different fields of oncology, cancer research and biomedical sciences; and foster application of basic and clinical science. To learn more about Oncotarget, visit Oncotarget.com and connect with us on social media: Twitter - https://twitter.com/Oncotarget Facebook - https://www.facebook.com/Oncotarget YouTube – www.youtube.com/c/OncotargetYouTube Instagram - https://www.instagram.com/oncotargetjrnl/ LinkedIn - https://www.linkedin.com/company/oncotarget/ Pinterest - https://www.pinterest.com/oncotarget/ LabTube - https://www.labtube.tv/channel/MTY5OA SoundCloud - https://soundcloud.com/oncotarget For media inquiries, please contact: media@impactjournals.com.

Information Morning contributor LJ Whittington takes the bus, and shares his thoughts on what would improve public transit in Moncton.

Accessing gender-affirming healthcare is rarely easy and often quite challenging. George's first steps to access his lower surgery involved a variety of staff offering their efforts but not always achieving much. At 04:29 George references a website incorrectly. The correct link is transhealthcare.org. We are here to share our entire intersectional experience with anyone who finds it beneficial, but we want to know what you connect with the most. You can let us know by clicking to a one-question anonymous survey at vote.pollcode.com/32371374. If you have a request/suggestion that isn't listed, comment! We can be found online at TransPanTastic.net, you can email us at TransPanTastic@gmail.com, and "TransPanTastic" is searchable on most social networks. We would love to hear from you, so let us know what you think or what you want to hear about!

Digesting fat and carbohydrate adequately is more important to avoid digestive issues. Tune in to learn more. Digesting fat…Stool Impression Dawn (00:00): Hello, welcome to the gastric health show. My name is Dawn Boxell, and we’re gonna have a quick conversation on a piece of digestion that you maybe haven’t considered to evaluate. And that[Read More] The post Are you digesting fat and carbohydrates adequately?: Episode 067 appeared first on WLS Gut Health.

The post Business leaders urge state Supreme Court to adequately fund NC's public schools appeared first on NC Policy Watch.

As head of a retail crypto platform with lending exposure to Three Arrows Capital (‘3AC'), Abra CEO Bill Barhydt has personal insight into what led similar platforms to go bust in the wake of 3AC defaulting on $3.5 billion in loans across 27 different counterparties. In this episode of The Scoop, Barhydt reveals how Abra has been able to remain operational despite 3AC exposure, and where other lenders who incurred severe losses from 3AC went wrong. Adequately accounting for ‘concentration risk' for example, which Barhydt describes simply as not putting “all your eggs in one basket,” has been key to Abra's survival. This meant Abra was able to write-off a relatively small loss resulting from the collapse of 3AC without it having an impact on their broader operations. Yet, while Barhydt believes concentration risk is “by far the easiest thing to manage for in lending,” firms like Voyager have been forced into bankruptcy from over-exposure to 3AC, with court documents suggesting Voyager has claims of over $650 million against 3AC compared to the $1.3 billion in crypto assets the broker currently has on its platform. When lenders take a hit from failing to adequately account for concentration risk, Barhydt believes it is usually out of complacency: “Usually it's a function of laziness because: hey, the rates are good, nobody's asking any questions, markets going up and to the right… It is pure laziness. And unfortunately, there were a couple of firms that were in that situation for different reasons.” Episode 67 of Season 4 of The Scoop was recorded remotely with The Block's Frank Chaparro and Bill Barhydt, CEO of Abra. Listen below, and subscribe to The Scoop on Apple, Spotify, Google Podcasts, Stitcher or wherever you listen to podcasts. Email feedback and revision requests to podcast@theblockcrypto.com. This episode is brought to you by our sponsors Chainalysis & IWC Schauffhausen About Chainalysis Chainalysis is the leading blockchain data platform. We provide data, software, services, and research to government agencies, exchanges, financial institutions, and insurance and cybersecurity companies in over 60 countries. Backed by Accel, Addition, Benchmark, Coatue, Paradigm, Ribbit, and other leading firms in venture capital, Chainalysis builds trust in blockchains to promote more financial freedom with less risk. For more information, visit www.chainalysis.com. About IWC Schaffhausen IWC Schaffhausen is a Swiss luxury watch manufacturer based in Schaffhausen, Switzerland. Known for its unique engineering approach to watchmaking, IWC combines the best of human craftsmanship and creativity with cutting-edge technology and processes. With collections like the Portugieser and the Pilot's Watches, the brand covers the whole spectrum from elegant timepieces to sports watches. For more information, visit IWC.com

This Day in Maine, Friday, July 8th

Sneako's open relationship, getting sued, internet fights and philosophies (hypocrisies) Sneako is a YouTuber, comedian and streamer. SUPPORT THE BOYSCAST: https://www.patreon.com/theboyscast http://ryanlongcomedy.com MERCH - ryanlongstore.com Ryan @ryanlongcomedy Danny @dannyjokes Sneako @thesneako LEAVE US A FIVE STAR REVIEW! Learn more about your ad choices. Visit megaphone.fm/adchoices

The post Learning loss report highlights desperate need for legislature to adequately fund public education appeared first on NC Policy Watch.

The RCMP in Nova Scotia has been criticized for the way communications were handled during the mass shootings of April 2020. This week, the Mass Casualty Commission looks at how the RCMP failed to adequately warn the public about a loose gunman. CBC reporter Elizabeth McMillan tells host Matt Galloway more; and emergency alert expert Michael Hallowes explains how a better emergency alert system could have saved lives during the shooting.

Today, we're switching up topics to discuss insurance coverage with Tamar Silberberg-Shiffman. Tamar is the co-founder of Concierge Insurance Solutions and works with high net worth clients to provide an adequate safety net to protect their families and assets. Diana and Tamar discuss why insurance is necessary, what types of insurance high-net-worth clients need, and the elements to look for when exploring insurance companies. Listen in to learn what gaps you might have in your own coverage and how to expand your safety net to create peace of mind.   IN THIS EPISODE:    [01:20] How to switch careers from real estate to insurance. [04:10] How does wealth affect the type of insurance that people are buying? [06:40] The two main changes that are affecting high-net-worth individuals. [12:00] How to locate good insurance.  [14:20] Does the risk of not having insurance outweigh the cost of having insurance? [15:50] Different needs for different generations.   KEY TAKEAWAYS:    There are two major changes from the last 15 years that are affecting the high net worth clients: the first is technology and the second is climate change.  Families of affluence are more susceptible to lawsuits and excess liability, which is also known as umbrella coverage. It is their first line of defense when a lawsuit is filed. There's been a tremendous uptick in cyber claims. Corporations are not the only target anymore. Everyone is. Act proactively and take precautions before a tragic accident might threaten your assets.   BIO: Tamar Silberberg Shiffman is co-founder of Concierge Insurance Solutions. Prior to co-founding Concierge Insurance Solutions, she and her husband built a multi-million dollar real estate business where she developed the luxury residential side of the company. Tamar's passion for high end real estate adds a unique approach to protecting the client's most valuable assets.   Concierge Insurance Solutions Website   CIS Analytics Website   Tamar Shiffman on LinkedIn

The Risks and Consequences of Failing to Report Child Abuse Curt and Katie discuss the CA Board of Behavioral Sciences case against Barbara Dixon, LMFT who failed to report child abuse for Gabriel Fernandez and Anthony Avalos who both subsequently died from abuse by caregivers. We look at what this therapist missed as well as appropriate child abuse reporting, including the nuance of when to report. CW: details of child abuse discussed. Transcripts for this episode will be available at mtsgpodcast.com! In this podcast episode we talk about the importance of child abuse reporting We talk about the failure to report abuse by Barbara Dixon, LMFT that has recently been in the news related to the deaths of Gabriel Fernandez and Anthony Avalos. The case related to the child abuse death of Gabriel Fernandez Content Warning: Details of the case, including the actions taken (and not taken) by Barbara Dixon, LMFT The decision-making process with child abuse reporting Who is responsible to decide to report child abuse – the clinician or the supervisor? “I hear [prelicensees] wrongly state that ‘I'm working under somebody else's license; this falls on them' … I cannot emphasize enough that decisions like this, in [Barbara Dixon's] case, really do indicate that it is your responsibility, no matter what your agency says… People can and do get punished for not following through on their individual licensee or registration responsibilities as mandated reporters.” – Curt Widhalm When supervisors or agencies tell clinicians under supervision not to report child abuse report The individual responsibility that each clinician holds The myth that you're working “under” your supervisor's license How do you decide whether you should report child abuse? “It's these gray areas where there's this nuance that I think feels really overwhelming. And for some folks, they'll lean towards reporting or consulting to identify if it's reportable. And for other folks, they use that as cover to not report when it feels too uncomfortable.” – Katie Vernoy Clarity from child abuse reporting laws Hesitation based on systemic response, the therapeutic relationship, and the paperwork hassle Where there are gray areas and nuance The consequences of failing to report child abuse or adequately document services or risks Your agency or supervisor may not be held liable for your actions (especially if you don't document what you did) Incomplete documentation hurts – it doesn't help you hide from liability Appropriate Child Abuse Assessment and Reporting Interviewing the child separately Following up on what you've asked for Understanding at what point it becomes our responsibility (i.e., having sufficient information) Documenting each stage and make sure to appropriately close out treatment file when needed Consultation and not making the decision on your own Defining the injury and assess from there Understanding normal childhood response to typical life events (and noting changes) Navigating the gray areas in child abuse assessment Looking at impact, intent, and injury Using the context to help decide when there isn't a definitive line Adequately documenting, even when you aren't sure you're making the right decision, is important and necessary Looking at what needs systemic intervention and what needs family therapy Getting past the discomfort to report child abuse report It is your responsibility Taking a moment to understand the purpose of reporting Reducing your own liability Obtaining resources for families Understanding the risk for families of systems getting involved Our Generous Sponsors for this episode of the Modern Therapist's Survival Guide: OOTify OOTify. "OOT" or "uth" (उठ) means "lift up" in the Hindi language. OOTify is a digital health solution that acts as an evidence-based hub to unify relevant mental health resources. Community, Connection, and Collaboration are critical to OOTIFY.  As they lift the mental healthcare system, they ensure providers are part of the process. OOTIFY is a platform for providers, built by providers, and owned by providers. OOTIFY is the process of lifting up mental healthcare, while lifting each other up. We need to talk about our mental health. We need to make our mental health stronger so we can withstand the things that happen in our life. We're going to go through trials and tribulations. But if we can work on our mental health, proactively, our wellness, we can handle all that as a community and come together. People are more open to talk about these stories and say, “Hey, listen, I'm going through this too.” Do be you want to be a part of the solution by joining a new web three community focused on mental health and wellness? Join the OOTify community as an investor or mental health provider by visiting ootify.com/contact. You can also give us a follow on social media to stay tuned on exciting updates. Turning Point Financial Life Planning Turning Point Financial Life Planning helps therapists stop worrying about money. Confidently navigate every aspect of your financial life - from practice financials and personal budgeting to investing, taxes and student loans. Turning Point is a financial planning & coaching firm that helps therapists stop worrying about money. Dave at Turning Point will help you navigate every aspect of your financial life - from practice financials and personal budgeting to investing, taxes and student loans. He'll help you move through that feeling of being stuck, frustrated and overwhelmed... And arrive at a place where you feel relief, validation, motivation and hope. And for listeners of MTSG, you'll receive $200 off the price of any service. Just enter promo code Modern Therapist. Be sure and visit turningpointHQ.com and download the free whitepaper “7 Money Mindset Shifts to Reduce Financial Anxiety” Resources for Modern Therapists mentioned in this Podcast Episode: We've pulled together resources mentioned in this episode and put together some handy-dandy links. Please note that some of the links below may be affiliate links, so if you purchase after clicking below, we may get a little bit of cash in our pockets. We thank you in advance! Los Angeles Times Article: Counselor who didn't report abuse of Gabriel Fernandez, Anthony Avalos put on 4-year probation Citation/Enforcement Decision on Barbara Dixon LA Times Article: Charges dismissed against social workers linked to Gabriel Fernandez's killing Relevant Episodes of MTSG Podcast: Now Modern Therapists Have to Document Every F*cking Thing in Our Progress Notes? Do Therapists Curse in Session? Toxic Work Environments Giving and Getting Good Supervision Make Your Paperwork Meaningful: An interview with Dr. Maelisa McCaffrey Hall Noteworthy Documentation: An interview with Dr. Ben Caldwell, LMFT CYA for Court: An interview with Nicol Stolar-Peterson, LCSW   Who we are: Curt Widhalm, LMFT Curt Widhalm is in private practice in the Los Angeles area. He is the cofounder of the Therapy Reimagined conference, an Adjunct Professor at Pepperdine University and CSUN, a former Subject Matter Expert for the California Board of Behavioral Sciences, former CFO of the California Association of Marriage and Family Therapists, and a loving husband and father. He is 1/2 great person, 1/2 provocateur, and 1/2 geek, in that order. He dabbles in the dark art of making "dad jokes" and usually has a half-empty cup of coffee somewhere nearby. Learn more at: www.curtwidhalm.com Katie Vernoy, LMFT Katie Vernoy is a Licensed Marriage and Family Therapist, coach, and consultant supporting leaders, visionaries, executives, and helping professionals to create sustainable careers. Katie, with Curt, has developed workshops and a conference, Therapy Reimagined, to support therapists navigating through the modern challenges of this profession. Katie is also a former President of the California Association of Marriage and Family Therapists. In her spare time, Katie is secretly siphoning off Curt's youthful energy, so that she can take over the world. Learn more at: www.katievernoy.com A Quick Note: Our opinions are our own. We are only speaking for ourselves – except when we speak for each other, or over each other. We're working on it. Our guests are also only speaking for themselves and have their own opinions. We aren't trying to take their voice, and no one speaks for us either. Mostly because they don't want to, but hey. Stay in Touch with Curt, Katie, and the whole Therapy Reimagined #TherapyMovement: Patreon Buy Me A Coffee Podcast Homepage Therapy Reimagined Homepage Facebook Twitter Instagram YouTube   Consultation services with Curt Widhalm or Katie Vernoy: The Fifty-Minute Hour Connect with the Modern Therapist Community: Our Facebook Group – The Modern Therapists Group   Modern Therapist's Survival Guide Creative Credits: Voice Over by DW McCann https://www.facebook.com/McCannDW/ Music by Crystal Grooms Mangano https://groomsymusic.com/

“Legalism and Relationships: Man, World, and God.” Legalism is a pervasive problem in American Churches. This project uses a Kuyperian analysis to argue that, though doubtless also a theological error, legalism is a problem with significant personal and relational consequences. Adequately understanding the sbad effects of legalism is a first step toward its rejection. 

Hundreds gather to remember Bud Clark in downtown Portland. Body of Ralph Brown, former mayor of Cornelius, found in river. McMinnville's UFO festival returns after 2-year hiatus Learn more about your ad choices. Visit megaphone.fm/adchoices

Incorporating More Oral Pathology in Your Dental Practice Episode #418 with Dr. Ashley Clark Survival rates for oral cancers are not great. So, the best thing to do is to actively prevent them.  And today, Kirk Behrendt brings in Dr. Ashley Clark, Division Chief of Oral Pathology at the University of Kentucky College of Dentistry, to share the importance of early detection, the steps to take when you come across a case, and how to communicate your findings without terrifying your patients. Screening every patient, every time, can help save a life! To learn more, listen to Episode 418 of The Best Practices Show! Main Takeaways: Early detection is critical to preventing oral cancers. Screen every patient, every time, for oral cancer. Adequately train team members to look for signs. Never ignore leukoplakia. It can become cancerous. Communicate clearly without scaring your patients. Quotes: “Oral cancer is probably the biggest thing we deal with — the most important thing that we deal with, specifically squamous cell carcinoma — and survival rates aren't getting any better. They really haven't significantly improved. So, my passion is to get the information out there, catch it before it turns into cancer. That's my main goal, is to educate as many general dentists, specifically, as possible on how to find leukoplakia, what it looks like, what it can mimic, and what to do about it so we can hopefully prevent these oral squamous cell carcinomas from happening.” (2:25—3:02) “The five-year survival rate for oral cancer that is HPV-negative is 45% to 50%, overall. And that doesn't include the fact that they're going to have a pretty disfiguring surgery to try to get the cancer out, plus or minus radiation where they might lose saliva and have to deal with those quality-of-life issues. So, if we can catch leukoplakia as it's in its dysplastic phase, surgically removing it lowers that risk of that patient having oral cancer by 50%. So, that's where we are. I will say that the rates of HPV-negative oral cancer have declined, and that correlates with the decline in smoking. But the survival rates still aren't great.” (3:14—4:04) “[The decline in HPV-negative oral cancer risk] directly correlates with the decline in smoking. About 80% of patients with HPV-negative oral cancer are pretty heavy smokers — or people who smoke pretty heavily, I'd rather say. But one interesting thing that's happening is between the ages of 18 and 44, there's been this cohort of young women who have been getting tongue cancers without any risk factors — no HPV, no tobacco, no alcohol. So, that's another thing I like to get out. Don't ignore your 30-year-old female patient who has a white tongue lesion, because incidents have grown 0.06% every year for like 20 years. So, that's another group that might be getting overlooked.” (4:09—4:56) “I think other healthcare professionals who are focusing on the teeth might forget to look at the soft tissue. That's not a value judgment — I did it myself several times when I was in charge of looking at teeth. I forgot, or I was focused in on that pathology. So, I think it could be really easy to focus in on the crown you're doing and forget about doing an oral cancer screening. So, I think doing them every patient, every time, is one thing upon which we could improve.” (5:34—5:57) “Another [important] thing is to not ignore leukoplakia, especially if it's on the gingiva. Sometimes, leukoplakia doesn't really look that scary — especially proliferative verrucous leukoplakia. Initially, it doesn't look that scary. But if it's left untreated, nearly 100% will eventually turn into cancer. So, don't ignore things that could come down the road.” (6:04—6:26) “I train a lot of dental hygienists. And they actually find a ton of lesions, in my experience. They might not always know what they are as well as a doctor who might have a little bit more training does. But the hygienists have been great at screening and...

Paul and Ira continue looking through the Series 65 license test prep materials and get a good laugh at how poorly it prepares people to provide adequate financial advice. Listen along as they share specific examples on ways the material claims that advisors can “help” their clients. Paul then encourages investors to find a properly educated advisor so they don't fall into some of these obvious investment traps.  Don't miss an episode by subscribing to our show. If you're not sure how to subscribe, visit our website here: www.paulwinkler.com/howtosubscribe.

In the past few years wild fires have desroyed thousands of homes, even entire towns. In December of 2021, there was a surprise devastating fire that swept through several neighborhoods in Marshall, Colorado and burned down 1200 homes. This wasn't a forest fire. It started as a simple grass fire. But it was fueled by very high winds that day. To add insult to injury, many of the homeowners (7 out of 10) found out they did not have enough insurance coverage to replace their homes. The message to homeowners is BE PREPARED! But how to prepare properly?Guest Eric Weedin is a national leader in the Insurance industry. Eric has a number of insurance accolades and also teaches courses to insurance agents across the country. Host Josh Nelson's conversation with Eric covers questions concerning how to make sure you're properly insured. How do you check your coverage to make sure you've got the right agent, the right insurance company to protect your home and more. We hope this podcast helps you.Resources:https://www.weedinagency.com/eric-weedinhttps://keystonefinancial.com/podcast

The post Sunshine Week highlights NC's failure to adequately promote open government appeared first on NC Policy Watch.