Podcasts about adjustable

Keith breaks down the "baseline trap" in investor psychology, showing how rising income and lifestyle creep can quietly undermine the feeling of financial freedom.  He then shares a grounded outlook for U.S. home prices, outlining how inflation, AI-driven job growth, limited inventory, and strong homeowner equity are shaping the market.  He closes with a data-driven look at where population growth is heading through 2040, especially in Texas and Florida, and what that could mean for long-term real estate demand and investing strategy. Episode Page: GetRichEducation.com/622 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. Investor psychology often falls into the baseline trap. Learn what's going to happen to home prices over the next year. Then more than half of America's population growth until 2040 will occur in just these two states. All today on Get Rich Education. What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Homebuyers, the largest turnkey company in Memphis with more than 6000 homes under management, for a free live webinar the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms Mid South has ever offered. Reserve your free seat at getricheducation.com/midsouth again. that september 30. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth   Speaker 1  1:34   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:50   Welcome to GRE from Jackson Hole, Wyoming, to Jackson, Mississippi, and across 188 nations worldwide. I'm Keith Weinhold. This is Get Rich Education, and Happy Labor Day. Let's talk about your investor psychology, because as you grow your wealth and your portfolio size, there is a trap that you will almost certainly fall into, and I'm not infallible. I've fallen into this trap to some extent too. That is the baseline trap. It's the tendency for every improvement in your income, your wealth, or your lifestyle to become your new normal. Once this happens, the improvement stops feeling like progress, and you need even more just to feel equally successful, if you get used to flying first class and then you have to drop back to coach again, it feels less like flying and more like being deported. Psychologically, we fall into the baseline trap because the human mind evaluates Life relatively, not absolutely. We don't simply ask ourselves how good is my life, how good is my situation. Instead, we ask how does this compare with what I've recently experienced, what I expected, and what others have, and there are a number of forces that drive the baseline trap. One is hedonic adaptation. Hedonic means pleasure seeking. People rapidly adjust to improvements. The first month of receiving a new $5,000 in passive income that feels transformative. After two years, it feels completely ordinary. The income didn't become less valuable. Your nervous system simply stopped registering it as new. Yesterday's luxury became today's wallpaper. A force driving the baseline trap is a shifting reference point. Gains and losses are measured against a mental baseline. Once your portfolio reaches, say, a $2 million net worth, well, your mind soon begins treating the $2 million as mine. You're like, hey, this is mine now, even if much of it came from recent appreciation. A decline to 1.8 million, therefore, feels like losing 200k rather than still having substantially more wealth than you did just a few years ago. Well, instead, you're only focused on the 200k paper loss. Then there's loss aversion psychologically. Losses generally hurt more than equivalent gains feel good. After a higher standard becomes normal, surrendering and. Any part of it feels like some blood-curdling loss. That's why reducing spending from 20k to 15k per month that can feel painful, even if 15k once felt luxurious to you.   Keith Weinhold  5:16   There's also the lifestyle creep component. People convert variable gains into fixed commitments. What do I mean? I mean like a strong income year. Oh, pretty soon that becomes a larger mortgage. Rental cash flow that becomes a vehicle payment. A bonus that becomes private school tuition, portfolio appreciation. Well, that supports new borrowing. See, pleasures that were once optional have now become obligations. And you got to ask, wait, how did that happen to you? You're supposed to have a life of options and not obligations. That's what financial freedom is supposed to be. The baseline then is no longer merely psychological; it becomes embedded in real monthly expenses. Then there's also the dangerous driver of the baseline trap that's called, oh no, social comparison. We commonly measure success against our peers, but instead, what you should do is measure it against your former self. Because as you become wealthier, see your comparison group changes too. If you've got five rentals, you soon stop comparing yourself with someone that owns none, you might even begin comparing yourself with people who own 50 of them, and why not? It's natural, after all. That is where you want to go, despite enormous progress. See, that's how you can feel left further behind. Then there's the recency bias. Your mind gives enormously disproportionate weight to recent experience. A few years of 15% returns, like what happened in 2021 and 2022 in real estate. Oh, you could begin expecting 15% after rapidly appreciating real estate, continued appreciation feels normal. A favorable cycle gets mistaken for the natural baseline, and then when conditions normalize, ordinary performance feels rather defective. Then there's identity inflation. That's a trap. This is when accomplishments become woven into your very identity, like I'm a multi-million-dollar entrepreneur, or I own 20 properties, or my income always grows. Okay, once success becomes identity, maintaining the baseline feels necessary just to preserve your self worth. Now, with this condition, see a temporary setback. It doesn't merely affect the numbers.   Keith Weinhold  8:08   It feels like evidence that you're becoming a lesser person, and the brain rewards progress more than possession. Humans are energized by movement toward a goal, reaching the goal often produces less lasting satisfaction than you expect. Buying the 10th rental creates a dopamine hit, and owning it three years later does not. The investor therefore creates another target, not always because another property is even needed, but because continued pursuit restores the feeling of progress, success erases the memory of constraint. As your wealth grows, it becomes difficult to remember emotionally what financial insecurity even felt like I mean you might intellectually remember earning 60k, but you no longer experience today's 300k income in comparison with it. Your comparison point quietly changes from your former life to your best recent year. The paradox is that your circumstances improve faster than your experience of them? The goal is not to stop growing; it is to prevent every improvement from becoming a new psychological necessity. Keep growing your means, but don't let success redefine enough every time you achieve it, don't let it redefine enough. Let's say you acquire rentals and you do generate another 5k per month. The trap is that your spending and expectations gradually rise by 5k. You're wealthier, but you don't. Don't feel freer. Instead of investments buying freedom, they merely finance a more expensive baseline, and it can distort how you view your portfolio. 10 properties once felt like an extraordinary accomplishment, and soon 10 feels ordinary, and 20 becomes necessary. You keep moving the finish line, and this is closely related to hedonic adaptation and lifestyle creep. But it extends beyond spending because your definition of enough keeps on rising. So the antidote certainly is not living small forever-it's deliberately separating the growth rates of your assets and your lifestyle. What you want to do is grow your means faster than you grow your baseline. Really, that's the key. You're gonna be more satisfied. Instead of simply living below your means, you sure do want to grow your means, but don't let every gain become a permanent new obligation. Let some additional cash flow purchase you things like time, resilience, and optionality-not merely nicer recurring expenses. If your lifestyle rises as fast as your passive income, you're wealthier, but no freer.   Keith Weinhold  11:28   So here's what you do: when your income rises, let your lifestyle rise about half that much. Otherwise, if you upgrade your lifestyle too much, say that you receive an extra $3,000 in monthly rental income, then you add in a luxury car payment, better vacations, and more expensive restaurants. Pretty soon, that extra 3k that feels necessary instead of liberating, and then there's also the record income comparison part of the trap. Say your business earns $1 million during an exceptional year. The next year, it earns a still impressive 850k, but you experience it as failure because the unusually strong year became your new baseline. Don't let that happen. You can compare yourself to others that can be motivating, but the more important comparison is to the former you. Now, another way that investors fall into the baseline trap in real estate is how an exceptional market becomes the standard. Say that you bought rental properties in 2012. Well, 2012 was perhaps the best time to buy real estate in generations. This was shortly after the global financial crisis, so there was this confluence of low prices, low interest rates, strong cash flow, and you had little competition as well. I mean, you had it all in 2012, and those deals performed spectacularly in today's market. Available properties produce lower initial cash flow, but they could still deliver respectable total returns through appreciation, rent income, principal paydown, tax benefits, and inflation profiting. But a losing investor rejects all of those things because they aren't as attractive as the once-in-a-generation deals of 2012, or even the rock-bottom low-rate days of 2020, they fell into the baseline trap. The trap here is that an unusually favorable period for real estate became the new benchmark. It's sort of like how last week I told you about how the deal structure always changes over time from the Reagan administration until today. Today the deal is with Burr properties, and it's also with buying new builds with rate buydowns. But see, in 2012 there were almost zero available new build properties that were created for investors to rent to others.   Keith Weinhold  14:25   Over time, with these new builds that you're adding now, you're going to have fewer maintenance and repair expenses. Tenants tend to stay in new builds longer, and new builds appreciate better over the long run. See, I wasn't getting any of those benefits in 2012, and I bought rental real estate in 2012, and I bought real estate recently as well. Not falling into the baseline trap, because today it's still difficult to find any investment bet. Than residential real estate with a loan, it is a scarce asset that people are going to continue to need. So here we are today, about 15 years on from 2012. Water market conditions like now. Let's talk about that and what can we expect for the next year? National home prices keep rising, but they're only about one half of 1% higher than they were a year ago. I mean, that's an appreciation level with the enthusiasm of someone attending a seven a.m. meeting. I do expect national home prices to keep rising modestly over the next year. Let me tell you about why, and then what the drivers are. And to be clear, we're talking about single-family homes up to fourplexes here. I'll discuss apartments later today. Well, the drivers for continued price growth are many of the same reasons that home prices are up just a little since last year. There are four of them. These four are inflation, the AI boom, short inventory, and a lack of distressed sellers. So let's unpack all of these four factors that I've identified for putting a floor underneath home prices, inflationary pressure is poised to raise replacement cost, energy, wages, and tariffs make those inputs more expensive, and the more war we have, the more inflation we have. A home is a bundle of land, labor, lumber, concrete, copper, and all sorts of energy inputs, plus 14 trips to Home Depot because someone forgot the correct nails and screws. That's what a home is. Recent home price growth it has lagged today's 3.4% CPI inflation rate. So again, we're not even talking about inflation-adjusted gains here. AI that creates local housing heat. It's not so much a nationwide driver of home prices. And in a moment, I'll tell you the top five housing markets for AI-led home price growth, but how does AI investment push up home prices anyway? How does that happen? People are getting high salaries, signing bonuses, and stock options that produces well-funded buyers. They make big down payments, or they even pay all cash for homes, and when a buyer pays all cash for a home, they can pay absolutely any price because they don't have to get an appraisal that comes along with a loan for a financed property.   Keith Weinhold  17:53   That's how all cash buyers can really push up prices. The growth in AI companies that has really helped push the S and P 500 higher that fuels a wealth effect nationwide that makes everybody feel wealthier regardless of where you live as long as you're invested in the stock market but the localized effects with those higher AI wages and signing bonuses in order they are most potent in San Francisco, San Jose, Seattle, New York City, and Boston, and none of those are good cash flow investor markets. Still, short housing inventory is contributing to higher prices, and hey, it's time that we check on this again. Ever since the inventory crunch started to plummet in 2021 and reached its lowest point in 2022, I've been updating you on the housing supply, and I always keep it same same. I cite the same data source, the Federal Reserve Economic Data's active listing count, Fred's active listing count, which counts single-family and townhomes and condos, all wrapped up in this number. And the figure it still hasn't recovered at 1.1 million homes. Now it is 2% higher than last year, 2% more supply than last year, but overall housing supply is still 9% below pre-pandemic levels. And there's one important thing to keep in mind that most don't think about when you hear that figure that housing supply is 9% below pre-pandemic times in 2019, that does not mean we're 9% short. That is because even in 2019 there was a housing shortage, and we are 9% below that yet, keeping. Upward pressure on prices and the most supply-constrained markets today. It includes both good and poor cash-flowing investor markets.   Keith Weinhold  20:10   They are New York City, Chicago, San Francisco, Hartford, Providence, Milwaukee, Boston, Cleveland, Virginia Beach, and Kansas City. All of those places remain especially tight with housing inventory, and then finally, this fourth of four reasons I've cited for continued upward pressure on home prices are the fact that distressed sellers-they are few and far between-and you need a lot of those in order to have a serious down cycle, after the 2008 housing crash, millions of owners were underwater. They owed more on their homes than they were worth. Lending standards were irresponsibly loose. Adjustable rate mortgages were resetting higher. I mean, a lot of people had little choice but to sell or to hand the keys back to the bank. Distress, distress, distress. Today is almost the mirror image. Here's what's really happening with homeowners having this record equity position today-an average of over $300,000. Many also locked in at fixed mortgage rates below 5% it means that they're enjoying perhaps the cheapest long-term debt that they are ever going to have. Lending standards have been strong, foreclosure rates remain low, and virtually nobody is being forced to sell. That matters more than most people think because housing crashes need a lot of forced sellers, owners who must accept almost any price in order to escape the property. But today, most homeowners they can simply either stay put, or if they're going to move out of the home, keep it and rent out the home, or they can wait for a better offer. No distress. In other words, buyers might be frustrated, but sellers-they're just not desperate. And without desperation, it is difficult for home prices to fall sharply. So the bottom line here with today's home prices and looking into next year, home price growth is apparent, but it's weak. The ingredients for a national price collapse are nowhere to be found, so this does not spell boom or crash. Home prices appear poised to keep slowly grinding higher, but with this low affordability, that keeps them from soaring, say 10 or 12% higher. I don't see that happening. And of course, each December, I make my home price forecast to the exact percentage point for the year ahead, so you can look forward to that soon. The Get Rich Education home price appreciation forecast that I made late last year for this year. It looks like it's going to be almost spot on. Of course, unlike a lot of analysts, transparently, I also give you the result of how closely the forecast hit the target every year, so you can look forward to that too. Hey, if you like this show, there's more content where this comes from. Sign up for our complimentary newsletter. That way, you can see the graphs and charts and maps that I break down. If you like what you hear on Get Rich Education, every week I show you what's really happening with real estate rents, inflation, interest rates, and the economy, and more importantly, what you can do about it. You'll get sharp insights, useful opportunities, and a few laughs along the way. Yeah, a couple knee slappers sprinkled in there with actionable strategies, like the savviest way to get rent increases. Get smarter in just a three to four minute read every week. Join 1000s of smart investors right now at greletter.com because your inbox could use fewer coupons and more financial freedom. That is greletter.com. More straight ahead.   Keith Weinhold  24:20   I'm Keith Weinhold. You're listening to Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Chaley Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com. Let me ask you something. If you've worked hard to build wealth, is your. Money positioned to actually support your goals. A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts. They built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family to 66866.    Dana Dunford  25:59   This is Hemline's co-founder Dana Dunford. Listen to Get Rich Education with Keith Weinhold, and don't quit your daydream.   Keith Weinhold  26:15   Welcome back to Get Rich Education. I'm your host Keith Weinhold. There will only ever be one episode 622, and you're listening to it. I hope you're enjoying the late summer. I'm wringing every bit of time and enjoyment out of it that I can. I don't know if this part was enjoyable, but I ran an all-out mile on a track. I wanted to see how fast I could run a mile. I had a friend pace me, and I got a 631. I was happy with that since I hadn't done any specific training. Yes, a mile is more than four laps on a track as well. Did you know that? Yes, this detail-oriented shaved mammal here diligently measured off that extra nine point something meters. Ah, I'll tell you that fourth lap hurt so badly that if my buddy weren't there, I might have just quit and not finished the mile. But summer's days are numbered, and that's too bad because it is my favorite season of the year. The NFL season kicks off in just two days on the ninth, with Seattle hosting the New England Patriots in a rematch of last year's Super Bowl. So then, I guess it looks like your productivity for the week will end with a respectable two-day run as you tune in to that game. Where is the future demand for real estate going to come from? It comes from a growing population. The U.S. is expected to add 21 and a half million people from 2025 to 2040. 21 and a half million more people. The overall population it's expected to grow from about 341 million up to 363 million. That is where we're going. That's per the Census Bureau and the University of Virginia, projecting 341 up to 363 by the year 2040, which is just a little over 13 years away. Okay, so that part is not so surprising, but here is what is absolutely staggering: more than half of this entire increase is projected to occur in just two states, just two of the 50 states, more than half of the increase. Do you know what they are? In fact, I showed you a map of this in a recent newsletter, but I can talk about it and expand on it more here.   Keith Weinhold  28:52   The two states that are expected to account for more than half of the nation's overall population growth through 2040 are Texas and Florida. They're already the second and third most populous states, respectively. It's kind of like America looked at the map, checked their weather app, and started packing sunscreen. Texas is expected to add 6.6 million residents. Florida welcoming another 4.6 million during this span. So that is over 11 million new people between them. This is like taking the entire population of Georgia and dropping it into those two already booming states, that much growth in this fairly short period of time, for real estate investors, more people that generally means more demand for our housing product, and I'll get back to the staggering Texas and Florida imbalance in just a moment. Because there are big gains in other investor-friendly southeastern states like Georgia and Tennessee, the Mountain West should swell alone. The South, okay, the region that the Census Bureau delineates as the South, which sort of runs from Maryland all the way down south and then west out toward Texas, the South just until 2040 is expected to account for 78 percent of the growth. That is just staggering. Cash flow hotbed Indiana that should grow by nearly a quarter million residents as well. The Carolinas are ballooning. Already the most densely populated state in the nation, New Jersey, that will get more dense with some pretty healthy population growth. Its residents have not discovered elbow room, but not every state is adding population. 14 states are expected to shrink, led by Illinois losing 650,000 people and New York down 457k. Again, this is all through 2040. In fact, a small loss cluster actually runs through the South, though West Virginia, Mississippi, and Louisiana-they're projected to lose 440,000 people combined. You know that whole theory that sometimes you hear people talk about, like with Earth warming and drying, you're going to have people stampeding toward the freshwater Great Lakes states. That is probably farcical. That just has not shown up in the data. That people are moving in droves to say cooler Michigan and Wisconsin for those reasons.   Keith Weinhold  31:46   It's just not happening now. Of course, population projections are not delivered from Mount Sinai on stone tablets. Besides births and deaths, the level of future immigration, of course, that's the real wild card here. After the Trump presidency ends by 2029, the next administration that could tighten or loosen the immigration spigot, that could materially reshape the map. But they're probably not going to tighten immigration. I mean, they couldn't because the flow really couldn't be crimped much more than it already is. People love to poke fun at California, but even in 2040, it is expected to barely retain its crown and edge out Texas to still be the most populous state: 39 million versus 38 million, respectively, for California and Texas by 2040. But yeah, Texas and Florida-they are the real stories here, and why droves of people are attracted there for cheaper housing, jobs, warm weather, a business-friendly environment, and Texas and Florida are also places where builders can still build without completing some side quest worthy of a video game with all their permits and regulations and roadblocks. You're largely free of those things in Texas and Florida. Now there are two more important factors to keep in mind here. Some bigger picture context. I've talked before about how the overall American mobility rate is down, and this is a long, long trend. Decade after decade, fewer people move and more people stay put, which is contrary to popular belief. This lower mobility rate, and another factor that gives you perspective is that as real estate investors, we know all this stuff I've been talking about here. These population changes-they only look at the demand side. The supply side matters just as much, despite their slower population growth. Northeast and Midwest states build less new inventory, and that is why Northeastern and Midwestern housing prices and rents are still growing faster today than they are in the Sun Belt, despite all of those Sun Belt construction cranes. You know, too many construction cranes. It looks bullish, and it actually is, but it spikes supply and it suppresses prices. And really, the bottom line here with American population growth from now until 2040 is follow the people, but count the rooftops. Population growth creates housing demand, while limited construction creates scarcity.   Keith Weinhold  34:46   The best opportunities often emerge where those two forces collide. That's what you really want to look for: demand and scarcity. Now, the apartment space. We all know that's been beleaguered for about three or four years, ever since higher mortgage rates set in and high construction levels conspired to keep apartment rents suppressed. In fact, multifamily construction had a peak in this cycle during 2024. That's when 600,000 units were built back in 2024. That was the most new apartment supply since 1986. That is when Cheers, MacGyver, and Miami Vice were on television. Run DMC was on urban radio. MTV was a dominant cultural force, the most new apartment supply since 1986. That's when kids were playing with GI Joe's, He-Man, and My Little Pony. For adults, fashion-wise, they were wearing enough shoulder padding to survive a minor collision. So, lots of new apartment supply to get absorbed. It is getting more and more absorbed. There are more signs there now because the national median apartment rent has now increased for seven months in a row. That's according to Apartment List. Also, the apartment vacancy rate has dropped for six straight months, and do you have any idea what the national apartment vacancy rate is? It has dropped down to now 7.1% Inevitably, overbuilt apartments will be absorbed with a growing population. Lots of great episodes coming up here on the show, where you might be in for a surprise next week. A renowned macro economist will be here on the show with us. I think we all know that in 1971, the U.S. had a lot of economic changes. That's when Nixon completely eliminated us from the gold standard, and the economic system shifted from capitalism to creditism back then. Well, now we appear to be leaving creditism and entering a new economic phase. This could be seismic. Next week here on the show, he'll reveal what the new era is called and how you need to prepare for it, that's next week here on episode 623. If you haven't yet, be sure to hit the follow button or subscribe button on your podcatcher so that you don't miss it.   Keith Weinhold  37:31   Again, if you like what you hear here each week, the GRE "Don't Quit Your Daydream" letter gives you the sharpest ideas of the week in about three or four quick hitting minutes, you'll get surprising housing data, wealth building strategies, timely opportunities, news that a lot of times you can't get anywhere else, and maps and charts that make you say, "Wait, what? It's smart, useful, entertaining, and completely free. Thousands of investors read it every week, and believe it or not, I'm actually more of a writer than a talker. Don't just listen to Get Rich Education, get the letter at greletter.com. That's greletter.com. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 2  38:23   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.    Keith Weinhold  38:51   The preceding program was brought to you by your home for wealth building, getricheducation.com

The Basement Suite Cashflows - But Is It Actually Legal? A basement suite can make a rental property look fantastic on paper. Two rents. Better cash flow. Stronger returns. But there is one question investors sometimes forget to ask before removing conditions: Is the basement suite actually legal? In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby explain how investors can verify whether a secondary suite is permitted, why an illegal or non-conforming suite can create serious financial risk, and what could happen if the city, lender or insurance company eventually starts asking questions. They also discuss the Bank of Canada's latest interest-rate announcement, why investors shouldn't build deals assuming rates are going to fall, and why sufficient cash flow is what protects a rental portfolio when borrowing costs change. What You'll Learn Why the Bank of Canada holding rates doesn't mean investors should assume rates are headed lower How variable-rate mortgages and HELOCs are affected differently than fixed-rate mortgages Why Wayne believes deals should work at today's interest rates How the 5% Rule™ Cash Flow Test creates a cushion against higher borrowing costs Why reserve funds make property repairs and renovations much easier Why a basement suite can make a mediocre property look great on a spreadsheet How to determine whether a basement suite is actually legal Why pulling a permit does not necessarily mean the suite received final approval Why investors should confirm that the existing suite matches what was originally approved Why you should never automatically treat rent from an illegal suite as guaranteed income How an illegal suite can affect property value Why neighbours and former tenants can create unexpected problems What could happen if the municipality orders a secondary suite to stop operating Potential tenant relocation costs when a suite can no longer legally be occupied Why insurance becomes particularly important with non-conforming suites How Edmonton, Calgary, Winnipeg, Toronto and Vancouver differ when researching secondary suites Why Wayne and Gabby recommend buying or building legal suites whenever possible Bank of Canada Holds at 2.25% The Bank of Canada held its overnight rate at 2.25% in its September announcement. Wayne points out that the bigger story for investors is not simply that the rate stayed the same. It is the possibility that the environment could change. His message to investors is straightforward: Do not buy a rental property assuming interest rates are going down. Make the property work at today's numbers. If rates eventually fall, great. But your investment should not require that to happen. Variable vs. Fixed Mortgages Wayne also explains an important distinction. Changes to the Bank of Canada's overnight rate directly influence prime-based borrowing products such as: Variable-rate mortgages Adjustable-rate mortgages Home equity lines of credit A fixed-rate mortgage does not immediately change simply because the Bank of Canada changes its overnight rate. For investors with variable borrowing, however, rate increases can mean either higher interest costs or higher monthly payments depending on the mortgage structure. That makes cash flow especially important. Could Your Property Survive Higher Rates? Imagine your mortgage payment increases by $50 per month. Probably manageable. What if it rises by $500? Now the question becomes much more serious. Over a 20-year investment period, investors should expect interest rates to move. The property needs enough cash-flow cushion to survive those changes. Wayne points back to what happened when investors purchased properties during extremely low-rate environments and built their deals around financing conditions that did not last. When rates increased, some properties and projects could no longer support themselves. That is exactly the type of situation the 5% Rule™ Cash Flow Test is designed to help investors avoid. Why Cash Flow Creates Options Wayne and Gabby share another example from their own portfolio. One of their properties recently became vacant after several years. The property now needs repairs and improvements. But they are not scrambling to find the money. Why? The property's cash flow has been accumulating inside its reserve fund. That reserve can now pay for the work. No emergency credit card. No unexpected cash call to the joint venture partner. No panic. The rental business generated the money needed to maintain the rental business. That is how Wayne and Gabby believe a long-term portfolio should be built. Is That Basement Suite Actually Legal? The second major topic today begins with a situation Wayne recently heard about. An investor had been renting a basement suite when the municipality contacted them and wanted to inspect it. The problem? The suite was not properly permitted. Now the investor is facing questions about whether the tenant can continue living there and what happens to the economics of the property if that basement rent disappears. This is why Wayne believes investors need to verify secondary-suite status before purchasing the property. The Numbers Can Look Amazing Non-conforming suites can be tempting. Imagine two similar properties. One has a fully legal secondary suite. The other has a basement suite that looks almost identical but was never properly permitted. The non-conforming property may sell for less while producing almost the same advertised rental income. On a spreadsheet, that can look like an incredible deal. But that additional rent comes with risk. If something happens and you can no longer rent the basement separately, does the property still work? The Question Wayne Would Ask If you are considering purchasing a property with a non-conforming basement suite, Wayne suggests running a worst-case scenario: Does this property still cash flow if I cannot rent the basement separately? Assume the suite gets shut down. Assume you must rent the entire house as one unit. Does that rent still cover the property's expenses? Does it still pass the 5% Rule? If the answer is no, you need to understand exactly how much risk you are accepting. Wayne and Gabby's preference remains much simpler: Buy or build legal suites. Don't Overpay for an Illegal Suite Wayne gives a simple example. Imagine similar bungalows in a neighbourhood are worth: $400,000 A comparable property with a properly permitted legal suite might be worth: $500,000 Now imagine another $400,000 bungalow has an unpermitted basement suite. An investor sees the additional rental income and pays: $450,000 They think they received a bargain because it is cheaper than the legal suited property. But that unpermitted suite does not necessarily create the same market value as a fully legal one. You may have simply paid $50,000 too much for a $400,000 house. How to Check Whether a Basement Suite Is Legal Before buying a suited property, investigate it. 1. Check the Zoning Determine whether secondary suites are permitted under the property's zoning and municipal rules. 2. Check the Permits Find out whether the correct permits were actually issued for the secondary suite. Do not simply take the seller's word for it. 3. Confirm Final Inspections A permit being opened does not necessarily mean the work received final approval. Ask whether all required inspections were completed and the permit was properly closed. 4. Compare the Current Suite to What Was Approved A previous owner may have obtained approval and then changed the property afterward. Make sure today's layout and use still correspond with what was permitted. Some Cities Make This Easier Depending on where you are investing, your municipality may provide online tools that can help with the initial research. Wayne and Gabby discuss several examples. Edmonton has tools investors can use to research secondary-suite permits. Calgary has a secondary-suite registry. Winnipeg allows investors to search issued permits by address. Other cities, including Toronto and Vancouver, have permit and property-research tools, but investors may still need to contact the appropriate municipal department to confirm the actual status of a secondary suite. The easiest approach is usually: Search the city's online tools first. Then, if there is any uncertainty, contact the municipality directly and ask: "Does this address have a permitted secondary suite, and were all required final inspections completed?" What Causes the City to Investigate? Municipalities generally are not driving around neighbourhoods searching for illegal basement suites. Problems often begin because somebody complains. Two obvious possibilities are: Tenants. And: Neighbours. A tenant who becomes unhappy with the landlord may discover that the suite is not legal. A former tenant may complain. A neighbour who is frustrated with parking, noise or repeated rental problems may report the property. Everything can operate smoothly for years. Until somebody makes the phone call. What Happens to the Tenant? This is one of the risks investors sometimes overlook. You may have a valid residential tenancy agreement with someone living in the basement. If the municipality determines they can no longer legally occupy that space, you now have two problems. You lost the rental income. And your tenant may need somewhere else to live. Depending on the circumstances and applicable law, the landlord could potentially face costs resulting from being unable to provide the premises promised under the tenancy agreement. That could include temporary accommodation, moving, storage or other expenses. This is an area where investors should obtain proper legal advice for their specific situation. Don't Forget the Insurance Company Another major concern is insurance. Imagine you buy a property with an illegal secondary suite. You obtain landlord insurance. You collect rent. Everything appears fine. Then there is a major claim. A fire. Serious water damage. Liability involving an occupant. The insurance company investigates and discovers the property was being used differently than represented or that an unpermitted secondary suite was being occupied. That is not the time you want to discover that your coverage may be affected. Wayne recommends being transparent with your insurance professional and making sure the property is properly insured for the way it is actually being used. The Liability You Don't Want Wayne also discusses the extreme scenario investors sometimes hear about involving fires in illegal basement suites. If a landlord knowingly operates an unsafe or prohibited suite and someone is seriously injured or killed, the consequences could go far beyond lost rent. The circumstances surrounding any legal liability would depend heavily on the facts, but the underlying lesson is simple: Do not knowingly ignore serious safety or permitting issues. Saving money by avoiding permits is not worth taking a catastrophic risk. The Main Lesson A beautiful basement suite does not automatically mean you have two legal rental units. And a spreadsheet showing two rents does not mean you can count on receiving both rents forever. Before buying: Check the zoning. Check the permits. Confirm final inspections. Verify what was actually approved. Speak with your insurer. And run the property numbers assuming that basement rent disappears. If the entire investment collapses without the non-conforming suite, understand that you are taking a significant risk. Wayne and Gabby's preferred approach is straightforward: Buy legal. Build legal. The additional cost is usually much easier to deal with than discovering years later that the rental income your entire investment depended on was never guaranteed in the first place. About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and founders of REI Masters. Through the Canadian Real Estate Investing Morning Show, they provide practical Canadian real estate investing education, lessons from their own portfolio and free coaching every weekday morning. Send Your Questions to the Show Have a question you want Wayne and Gabby to answer?

The Basement Suite Cashflows - But Is It Actually Legal? A basement suite can make a rental property look fantastic on paper. Two rents. Better cash flow. Stronger returns. But there is one question investors sometimes forget to ask before removing conditions: Is the basement suite actually legal? In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby explain how investors can verify whether a secondary suite is permitted, why an illegal or non-conforming suite can create serious financial risk, and what could happen if the city, lender or insurance company eventually starts asking questions. They also discuss the Bank of Canada's latest interest-rate announcement, why investors shouldn't build deals assuming rates are going to fall, and why sufficient cash flow is what protects a rental portfolio when borrowing costs change. What You'll Learn Why the Bank of Canada holding rates doesn't mean investors should assume rates are headed lower How variable-rate mortgages and HELOCs are affected differently than fixed-rate mortgages Why Wayne believes deals should work at today's interest rates How the 5% Rule™ Cash Flow Test creates a cushion against higher borrowing costs Why reserve funds make property repairs and renovations much easier Why a basement suite can make a mediocre property look great on a spreadsheet How to determine whether a basement suite is actually legal Why pulling a permit does not necessarily mean the suite received final approval Why investors should confirm that the existing suite matches what was originally approved Why you should never automatically treat rent from an illegal suite as guaranteed income How an illegal suite can affect property value Why neighbours and former tenants can create unexpected problems What could happen if the municipality orders a secondary suite to stop operating Potential tenant relocation costs when a suite can no longer legally be occupied Why insurance becomes particularly important with non-conforming suites How Edmonton, Calgary, Winnipeg, Toronto and Vancouver differ when researching secondary suites Why Wayne and Gabby recommend buying or building legal suites whenever possible Bank of Canada Holds at 2.25% The Bank of Canada held its overnight rate at 2.25% in its September announcement. Wayne points out that the bigger story for investors is not simply that the rate stayed the same. It is the possibility that the environment could change. His message to investors is straightforward: Do not buy a rental property assuming interest rates are going down. Make the property work at today's numbers. If rates eventually fall, great. But your investment should not require that to happen. Variable vs. Fixed Mortgages Wayne also explains an important distinction. Changes to the Bank of Canada's overnight rate directly influence prime-based borrowing products such as: Variable-rate mortgages Adjustable-rate mortgages Home equity lines of credit A fixed-rate mortgage does not immediately change simply because the Bank of Canada changes its overnight rate. For investors with variable borrowing, however, rate increases can mean either higher interest costs or higher monthly payments depending on the mortgage structure. That makes cash flow especially important. Could Your Property Survive Higher Rates? Imagine your mortgage payment increases by $50 per month. Probably manageable. What if it rises by $500? Now the question becomes much more serious. Over a 20-year investment period, investors should expect interest rates to move. The property needs enough cash-flow cushion to survive those changes. Wayne points back to what happened when investors purchased properties during extremely low-rate environments and built their deals around financing conditions that did not last. When rates increased, some properties and projects could no longer support themselves. That is exactly the type of situation the 5% Rule™ Cash Flow Test is designed to help investors avoid. Why Cash Flow Creates Options Wayne and Gabby share another example from their own portfolio. One of their properties recently became vacant after several years. The property now needs repairs and improvements. But they are not scrambling to find the money. Why? The property's cash flow has been accumulating inside its reserve fund. That reserve can now pay for the work. No emergency credit card. No unexpected cash call to the joint venture partner. No panic. The rental business generated the money needed to maintain the rental business. That is how Wayne and Gabby believe a long-term portfolio should be built. Is That Basement Suite Actually Legal? The second major topic today begins with a situation Wayne recently heard about. An investor had been renting a basement suite when the municipality contacted them and wanted to inspect it. The problem? The suite was not properly permitted. Now the investor is facing questions about whether the tenant can continue living there and what happens to the economics of the property if that basement rent disappears. This is why Wayne believes investors need to verify secondary-suite status before purchasing the property. The Numbers Can Look Amazing Non-conforming suites can be tempting. Imagine two similar properties. One has a fully legal secondary suite. The other has a basement suite that looks almost identical but was never properly permitted. The non-conforming property may sell for less while producing almost the same advertised rental income. On a spreadsheet, that can look like an incredible deal. But that additional rent comes with risk. If something happens and you can no longer rent the basement separately, does the property still work? The Question Wayne Would Ask If you are considering purchasing a property with a non-conforming basement suite, Wayne suggests running a worst-case scenario: Does this property still cash flow if I cannot rent the basement separately? Assume the suite gets shut down. Assume you must rent the entire house as one unit. Does that rent still cover the property's expenses? Does it still pass the 5% Rule? If the answer is no, you need to understand exactly how much risk you are accepting. Wayne and Gabby's preference remains much simpler: Buy or build legal suites. Don't Overpay for an Illegal Suite Wayne gives a simple example. Imagine similar bungalows in a neighbourhood are worth: $400,000 A comparable property with a properly permitted legal suite might be worth: $500,000 Now imagine another $400,000 bungalow has an unpermitted basement suite. An investor sees the additional rental income and pays: $450,000 They think they received a bargain because it is cheaper than the legal suited property. But that unpermitted suite does not necessarily create the same market value as a fully legal one. You may have simply paid $50,000 too much for a $400,000 house. How to Check Whether a Basement Suite Is Legal Before buying a suited property, investigate it. 1. Check the Zoning Determine whether secondary suites are permitted under the property's zoning and municipal rules. 2. Check the Permits Find out whether the correct permits were actually issued for the secondary suite. Do not simply take the seller's word for it. 3. Confirm Final Inspections A permit being opened does not necessarily mean the work received final approval. Ask whether all required inspections were completed and the permit was properly closed. 4. Compare the Current Suite to What Was Approved A previous owner may have obtained approval and then changed the property afterward. Make sure today's layout and use still correspond with what was permitted. Some Cities Make This Easier Depending on where you are investing, your municipality may provide online tools that can help with the initial research. Wayne and Gabby discuss several examples. Edmonton has tools investors can use to research secondary-suite permits. Calgary has a secondary-suite registry. Winnipeg allows investors to search issued permits by address. Other cities, including Toronto and Vancouver, have permit and property-research tools, but investors may still need to contact the appropriate municipal department to confirm the actual status of a secondary suite. The easiest approach is usually: Search the city's online tools first. Then, if there is any uncertainty, contact the municipality directly and ask: "Does this address have a permitted secondary suite, and were all required final inspections completed?" What Causes the City to Investigate? Municipalities generally are not driving around neighbourhoods searching for illegal basement suites. Problems often begin because somebody complains. Two obvious possibilities are: Tenants. And: Neighbours. A tenant who becomes unhappy with the landlord may discover that the suite is not legal. A former tenant may complain. A neighbour who is frustrated with parking, noise or repeated rental problems may report the property. Everything can operate smoothly for years. Until somebody makes the phone call. What Happens to the Tenant? This is one of the risks investors sometimes overlook. You may have a valid residential tenancy agreement with someone living in the basement. If the municipality determines they can no longer legally occupy that space, you now have two problems. You lost the rental income. And your tenant may need somewhere else to live. Depending on the circumstances and applicable law, the landlord could potentially face costs resulting from being unable to provide the premises promised under the tenancy agreement. That could include temporary accommodation, moving, storage or other expenses. This is an area where investors should obtain proper legal advice for their specific situation. Don't Forget the Insurance Company Another major concern is insurance. Imagine you buy a property with an illegal secondary suite. You obtain landlord insurance. You collect rent. Everything appears fine. Then there is a major claim. A fire. Serious water damage. Liability involving an occupant. The insurance company investigates and discovers the property was being used differently than represented or that an unpermitted secondary suite was being occupied. That is not the time you want to discover that your coverage may be affected. Wayne recommends being transparent with your insurance professional and making sure the property is properly insured for the way it is actually being used. The Liability You Don't Want Wayne also discusses the extreme scenario investors sometimes hear about involving fires in illegal basement suites. If a landlord knowingly operates an unsafe or prohibited suite and someone is seriously injured or killed, the consequences could go far beyond lost rent. The circumstances surrounding any legal liability would depend heavily on the facts, but the underlying lesson is simple: Do not knowingly ignore serious safety or permitting issues. Saving money by avoiding permits is not worth taking a catastrophic risk. The Main Lesson A beautiful basement suite does not automatically mean you have two legal rental units. And a spreadsheet showing two rents does not mean you can count on receiving both rents forever. Before buying: Check the zoning. Check the permits. Confirm final inspections. Verify what was actually approved. Speak with your insurer. And run the property numbers assuming that basement rent disappears. If the entire investment collapses without the non-conforming suite, understand that you are taking a significant risk. Wayne and Gabby's preferred approach is straightforward: Buy legal. Build legal. The additional cost is usually much easier to deal with than discovering years later that the rental income your entire investment depended on was never guaranteed in the first place. About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and founders of REI Masters. Through the Canadian Real Estate Investing Morning Show, they provide practical Canadian real estate investing education, lessons from their own portfolio and free coaching every weekday morning. Send Your Questions to the Show Have a question you want Wayne and Gabby to answer?

* Vivane/Sky Point Adventures: A Message to Vivane* A quick update on where we are.* Which came first for Josh--theater or gaming?* Shakespeare!* Josh has run this one.* Espionage and combat* Part One: The Commission* Hired to deliver information to the Vivane Resistance* How Josh tweaked the intro for his group.* What is the information being delivered?* Part Two: So This is Vivane* Arriving in the city and meeting the contact, Kron* Introduction to Theran corruption and get a taste of the exotic* Part Three: Delivery* Meet contacts and get raided by the Red Squad* It's just a coincidence! The Therans don't know about the group.* Chase scene!* Part Four: At the Manor House* Safety after the chase... for a moment.* Another Theran Raid* Another escape* Part Five: The Secret Room* Into the Undercity (reference to previous adventure in this collection)* Learn the scroll was sold to a crime boss.* Decide what to do; help recover the information, or escape the city.* Reasons why groups might take either option.* Part Six: Marikis's Gang* Attacking the crime boss* Opportunity to get out some frustrations through combat.* Adjustable difficulty of the combat and the dozen or so gang members* Aftermath: Slipping out of the city and meeting Kron later in the campaign.* Espionage in the way James Bond or Jason Bourne is espionage* Linear in the way Josh likes linear to be; it plays fair* Relatively simple task, just dealing with complications and problems* Vary "Shadowrun", spy thriller* "A bunch of stuff is happening, we just need to deal with it."* Lessons on making a situation, not a plotFind and Follow:Email: edsgpodcast@gmail.comYouTube: https://www.youtube.com/@EDSGPodcastFind and follow Josh: https://linktr.ee/LoreMerchantGet product information, developer blogs, and more at www.fasagames.comFASA Games on Facebook: https://www.facebook.com/fasagamesincOfficial Earthdawn Facebook Group: https://www.facebook.com/groups/officialearthdawnFASA Games Discord Channel: https://discord.gg/uuVwS9uEarthdawn West Marches: https://discord.gg/hhHDtXW

Advances in ACL reconstruction continue to push the field toward stronger fixation, improved graft protection, and more biologically friendly implants. In this special sponsored episode of The Sports Docs Podcast, recorded live at the 2026 AOSSM Annual Meeting in Seattle, Drs. Catherine Logan and Ashley Bassett welcome Dr. Seth Sherman to discuss the latest innovations in graft fixation and how they are changing the way surgeons approach ACL reconstruction.The conversation begins with one of the most important decisions in ACL surgery—graft selection. Dr. Sherman shares his approach to choosing between bone-patellar tendon-bone (BTB), quadriceps tendon, and hamstring autografts, emphasizing how patient age, sex, sport, anatomy, and activity level influence decision-making. He also discusses the growing body of evidence supporting quadriceps tendon autografts, particularly in young athletes and female patients.The discussion then shifts to the evolution of graft fixation, from interference screws to adjustable-loop suspensory fixation, and the advantages of modern cortical fixation systems. Dr. Sherman explains how the Arthrex TightRope SB represents an evolution in ACL fixation by combining an all-suture, low-profile design with familiar surgical workflow, radiopaque visualization, and secure adjustable-loop fixation.The hosts and Dr. Sherman also explore InternalBrace™ augmentation, reviewing the biomechanical rationale, surgical pearls, and emerging clinical evidence supporting graft protection during the vulnerable early phases of ligament healing. Together, they discuss how thoughtful implant design and biologic principles are helping surgeons optimize outcomes while preserving future surgical options.Whether you're an experienced sports medicine surgeon or a trainee learning modern ACL techniques, this episode provides practical insights into the latest advances in ACL reconstruction.In This Episode Factors that influence ACL graft selection, including age, sport, sex, and anatomy  The growing role of quadriceps tendon autografts in primary ACL reconstruction  How suspensory fixation has evolved over the past decade  Advantages of adjustable-loop cortical fixation systems  Features and clinical applications of the Arthrex TightRope SB all-suture fixation device  Benefits of preserving bone stock and eliminating permanent metallic hardware  Radiopaque implant visualization and its role during surgery  Technical considerations and learning curve for adopting all-suture fixation  Biomechanical principles and clinical evidence supporting InternalBrace™ augmentation  Surgical pearls for avoiding over-constraint during InternalBrace fixation  How TightRope SB integrates seamlessly with InternalBrace augmentation  The future of biologically friendly, low-profile implant technology in ACL reconstruction Key Takeaways ACL graft selection should be individualized based on patient-specific factors including sport, anatomy, age, and sex.  Quadriceps tendon autografts continue to gain popularity due to predictable graft size, excellent clinical outcomes, and lower donor-site morbidity.  Adjustable-loop suspensory fixation has become a reliable and versatile option for modern ACL reconstruction.  The Arthrex TightRope SB combines familiar surgical technique with an all-suture, low-profile design that preserves bone and eliminates permanent metallic hardware.  Radiopaque implant technology offers additional intraoperative confidence while maintaining the benefits of soft-tissue fixation.  InternalBrace™ augmentation functions as a load-sharing construct that may reduce graft strain during early healing while allowing normal rehabilitation when properly tensioned.  Modern ACL innovation continues to focus on preserving biology, minimizing hardware, and improving long-term patient outcomes without increasing surgical complexity. About Our GuestDr. Seth Sherman is a board-certified orthopaedic sports medicine surgeon specializing in arthroscopic and reconstructive surgery of the knee, shoulder, and elbow. He is widely recognized for his expertise in ACL reconstruction, cartilage restoration, and sports injury management, and is an active educator, researcher, and national lecturer dedicated to advancing evidence-based sports medicine.This episode is sponsored by Arthrex.Thank you to Arthrex for supporting continuing education and innovation in sports medicine.Follow The Sports Docs Podcast for conversations with leading surgeons, researchers, and innovators advancing orthopaedic sports medicine through evidence-based education, surgical innovation, and multidisciplinary collaboration.

This time for our regular browse through the RNIB online shop with Charlee Jarvis, RNIB Shop's Buying Administrator We are looking at an adjustable LED light and fan plus some great end of year tactile cards for teachers, exams and graduation.You will find out more about the LED light and fan, the range of end of year tactile cards along with many other products by visiting the following link to the RNIB Online Shop - https://shop.rnib.org.uk/connect(Image shows the RNIB Connect Radio logo. On a white background ‘RNIB' written in bold black capital letters and underlined with a bold pink line. Underneath the line: ‘Connect Radio' is written in black in a smaller font)

Adjustable stride ellipticals eliminate the height compromise in shared homes. Stride length shapes muscle engagement, flywheel weight drives stability, and pedal design affects long-term joint comfort — meaning one machine can genuinely serve every user in the household. To learn more, visit https://www.soletreadmills.com/blogs/news/3-best-elliptical-machines-with-adjustable-stride-2026-guide SOLE Fitness City: Salt Lake City Address: 56 Exchange Pl. Website: https://www.soletreadmills.com/

What Makes a Sports Bra Actually Work?A conversation with Nicola, senior researcher in bra and breast biomechanics at the University of PortsmouthIn this episode, I speak with Nicola about the science behind sports bras, breast movement, and what actually contributes to support during activity.Nicola works in breast and bra biomechanics, a field that looks at how breast tissue moves, how that movement changes during different activities, and how bras can help control that movement. We talk about why sports bras are much more than a comfort item: they are an important piece of equipment that can affect whether women feel able to run, train, compete, and stay physically active.A major focus of the conversation is a University of Portsmouth study looking at how different sports bra design features affect performance. The study tested 98 sports bras on 77 women in 34B and 34D sizes to understand which design features reduced breast movement during running.The paper identified five key sports bra characteristics linked to performance:Bra style: Encapsulation and combination styles performed better than compression-only styles.Material: Bras made primarily from nylon performed better than those made primarily from polyester.Underband adjustability: Adjustable underbands were linked with better support than pullover styles.Padding: Padding appeared to contribute to movement reduction, not just modesty.Neckline height: Higher necklines were associated with better support than lower necklines.One of the most interesting parts of the episode is the idea that sports bra performance is not just about making a bra tighter. Breast tissue moves forward and back, side to side, and up and down, and different sports create different movement patterns. This means a bra that works well for running may not be the same bra someone wants for weightlifting, rowing, golf, or other sports.Nicola also explains why compression bras are not always enough, especially for larger cup sizes. Compression styles hold the breasts against the chest wall, while encapsulation styles support each breast individually. Combination styles can offer both the structure of encapsulation and the familiar “held in” feeling of compression.We also discuss how much is still unknown. Even after identifying several design features that contribute to sports bra performance, a large portion of what makes a sports bra work remains unexplained. That leaves room for more research into fit, materials, movement, comfort, breathing, and sport-specific design.Sports bras are often treated as a simple clothing purchase, but this conversation frames them as a health and participation issue. A poorly fitting or poorly performing sports bra can affect comfort, confidence, posture, breathing, and whether someone wants to keep participating in sport or exercise.Nicola also talks about the importance of getting this information to the people who need it, including athletes, school girls, and everyday consumers. The goal is not just better products, but better education, so women and girls know they do not have to accept pain, discomfort, or lack of support as normal.Referenced paper: Norris, M., Blackmore, T., Horler, B., & Wakefield-Scurr, J. (2021). “How the characteristics of sports bras affect their performance.” Ergonomics, 64(3), 410–425. doi: 10.1080/00140139.2020.1829090

OA1268 - Patents, trademarks, and copyrights, ach mein! How did the Fender Stratocaster, a guitar that has been in continuous manufacture since 1954, Suddenly become the subject of an intellectual property dispute? Well, maybe this didn't exactly come from Out of the Woods. Fender has had 5 utility patents, 1 design patent, and 3 trademarks relevant to the Stratocaster Through the Years. But the one thing that's been Slipping Through Their Fingers all this time was protection for that iconic (or is it?) body shape. After their design patent expired, their trademark application was Denied, and US copyright was definitionally Forbidden, anyone could see that Nothing Really Matters to the US Patent and Trademark Office, and Fender was left Walking in the Snow. Very similar (some might say identical) body shapes entered the market. It's Late, but perhaps not too late. Fender sailed the Seven Seas to another country with different copyright laws. But with only a German court order in hand, will Fender be able to make this exclusive protection Live Forever, or is it just Cheap Talk other guitar makers can ignore? Contrary to the hot takes everywhere, it could be A Hard Day's Night before we get a definitive answer. Is any of it JU$T? You decide. Tune in for the history that got us here, an overview of US IP law, and to hear Jenessa argue with a computer, and 90% of people talking about this, who just cannot seem to link to the documents they're referencing… Fender patents, relevant to Stratocaster: Guitar shape (utility/functional features): U.S. Patent No. 2,960,900 (issued Nov. 22, 1960) Guitar shape (design/ornamental features): U.S. Patent No. Des. 169,062 (issued Mar. 24, 1953) Bridge and pick-up assembly: U.S. Patent No. 2,573,254 (issued Oct. 30, 1951) Tremolo: U.S. Patent No. 2,741,146 (issued Apr. 10, 1956) Pickup and circuit: U.S. Patent No. 2,817,261 (issued Dec. 24, 1957) Adjustable neck: U.S. Patent No. 3,143,028 (issued Aug. 4, 1964) Dating a Fender Stratocaster, Adirondack Guitars. Relevant Fender trademarks Fender brand name: FENDER, U.S. Trademark Registration No. 0805075 (issued/renewed Mar. 8, 1966) Stratocaster name: STRATOCASTER, U.S. Trademark Registration No. 0839997 (issued Dec. 5, 1967) Headstock: U.S. Trademark Registration No. 1148870 (issued Mar. 3, 1981) USPTO, 1512 Relationship Between Design Patent, Copyright, and Trademark. Stuart Spector Designs, Ltd. v. Fender Musical Instruments Corporation, 94 USPQ2d 1549 (TTAB 2009) [precedential]. Düsseldorf Regional Court (Az. 14c O 64/25) Carolin Thurner, The Fender Stratocaster before the Regional Court of Düsseldorf - First application of the ECJ Principles from Mio/konektra to a work of applied art in Germany, Lexology. Katheriner Sayer (May 28, 2026), The Brewing Fight Over the World's Most Popular Electric Guitar, Wall Street Journal. Josh Gardner, Fender reportedly demands boutique builders stop making Stratocaster-style guitars: This is what it means for the industry, Guitar.com. Wayne's World clip Check out the OA Linktree for all the places to go and things to do!

Some financial decisions come with clear answers. Others require balancing risks, opportunities, and a healthy dose of uncertainty. In our episode “May 30, 2026: Mortgages, Money Transfers & Monetary Policy,” we explore three areas where the right decision depends as much on context as it does on the numbers — from adjustable-rate mortgages and wealth transfers to the Federal Reserve's ongoing fight against inflation.Adjustable-rate mortgages are making a comeback, but this isn't a repeat of the housing bubble era. With special guest Shanna Squires from Henssler Mortgage Advisors, we break down how today's ARMs differ from the products that helped fuel the financial crisis, why some homebuyers are turning to them in a world of elevated mortgage rates, and whether they represent a smart strategy or a risky gamble on lower rates ahead.Next, we tackle a listener question about inheriting and gifting money. From estate taxes and inheritance taxes to annual gift exclusions and lifetime exemptions, we'll explain what the rules actually are—and just as importantly, what they aren't. If you've ever wondered how families can pass wealth to the next generation without creating unnecessary tax headaches, this conversation is for you.Finally, we examine a question many investors are asking: What happens when inflation is driven by supply shortages rather than consumer demand? With oil prices and geopolitical tensions once again influencing inflation expectations, we discuss the limits of Federal Reserve policy, why interest rates remain the Fed's primary tool, and the difficult tradeoffs policymakers face when fighting inflation that may be originating far outside their control.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — May 30, 2026  |  Season 40, Episode 22Timestamps and Chapters3:48: ARMs: Smart Strategy or Warning Sign?18:08: Passing Down Wealth Without Passing Down Problems34:11: Fighting Inflation With the Wrong Tools? Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

1021. Looking for a mortgage but are unsure what's best for you? Laura answers a question from a listener who's ready to buy a home but is overwhelmed by mortgage choices. Find out whether a fixed- or adjustable-rate loan, with or without mortgage points, is right for you.Key Takeaways:Fixed-rate mortgages are popular because they lock in a rate, providing financial stability no matter what happens in the economy.Adjustable-rate mortgages (ARMs) can be good when interest rates are high, you don't expect to own your home for the long term, or you can pay it off early.Conventional loans are the most common type of mortgage because they're backed by federal agencies, reducing risk for lenders.Jumbo loans are high mortgage amounts that aren't federally-backed and typically require stricter qualifying criteria by lenders.There are various loans backed by the federal government, including FHA, VA, and USDA products, that come with lenient underwriting standards, making homeownership more affordable.Buying mortgage points allows you to get a lower interest rate, which saves money if you own the property past the breakeven point.Upcoming Wedding Series Coming Up: We want your questions about wedding finances! Whether you're the bride, groom, or a guest, send us your questions about budgeting for the big day. Email: money@quickanddirtytips.com or leave a voicemail: (302) 364-0308. Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

Adjustable-rate mortgages (ARMs) are booming again, but Clark has a major warning: this "oldie but baddy" could be a financial time bomb. Clark breaks down why banks are pushing ARMs, who they actually work for (a narrow group indeed), and the "reset" risk that could cost you your home. Also, health insurance has become insanely expensive. Many Americans are skipping meals just to pay for healthcare. Clark discusses why catastrophic-only plans are a dangerous gamble and identifies the real culprit behind our skyrocketing medical bills.  Danger: Adjustable Rate Mortgages: Segment 1 Ask Clark: Segment 2 High Deductible Health Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Adjustable-Rate Mortgages Are Popular Again – Here's Why You Need To Be Careful NYTimes: A Third of Americans Have Cut Spending or Borrowed Money for Health Care NYTimes: New A.C.A. Plans Could Increase Family Deductibles to $31,000 What Is an HSA Account and How Does It Work? - Clark Howard How to Deal With Medical Debt - Clark Howard Will Mark Cuban's Prescription Company Really Save You Money? 10 Ways To Save on Prescription Drugs - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

Can one change add $400+ to every mattress sale? Discover the surprising secrets from Nationwide's Primetime event—plus a shocking pillow study!If you've ever wondered how top mattress and furniture retailers consistently boost their average ticket by $400—or why some stores keep thriving while others plateau—this episode is your playbook. Join Mark and Tara Kinsley as they report from Nationwide Marketing Group's Primetime event in Fort Lauderdale, sharing actionable strategies from industry leaders and AI experts.First, get the inside scoop on how to merchandise your store to sell the entire sleep system—adjustable bases, pillows, sheets, and protectors. (Hint: It starts before the customer ever walks in.) Learn why dressing your beds like mannequins and using bundle offers (good, better, best) can turbocharge conversion and make upsells effortless.You'll also hear about an industry pro who used AI to build a custom executive coach for 28 managers—and how you can deploy similar tools, no tech background required. Plus, the episode reveals a new approach to price drops that makes customers talk themselves into higher-end mattresses.Don't miss the shocking results of a pillow fitting study: properly fitted pillows gave customers 8 extra hours of sleep per month—a stat you can use to close more sales and improve customer health.Whether you're a retailer, sleep pro, or consumer wanting better sleep, these tips from industry insiders, brand leaders, and AI innovators will change the way you do business.Timestamps:03:10 – The $400 ticket increase: Merchandising secrets revealed 07:25 – Adjustable bases: The #1 way to boost dollars (and comfort) 12:40 – The pillow fitting study: 8 extra hours of sleep/month 18:15 – Bundling like a pro: Good, better, best offers made easy 22:02 – The AI Accelerator Lab fail (and how it's fixed) 25:45 – Real-world AI: Building an executive coach for 28 managers 31:55 – Price drop psychology: Why the 50% rule shocks customers 36:10 – Social media secrets: Consistency, trust, and the “search everywhere” mindset 41:00 – How leading brands (Ashley, Tempur-Sealy, Sweet Dreams) use AI and marketing 45:15 – The next big thing: Retailers demanding more from manufacturersConnect with The FAM Podcast:

Today's funny podcast starts exactly where you'd expect a professional radio show to begin: colonoscopy prep and filming your loved ones while they're coming out of anesthesia. Because nothing says romance like propofol and questionable decisions.From there, things spiral in the best way possible. The crew dives into all the little inconveniences from the past that would absolutely destroy us today—waiting for payphones, downloading songs for hours, AOL discs, and physically going to a bank like some kind of ancient civilization. It's a nostalgic trip that quickly turns into, “How did we survive any of this?”Then the tone shifts… hard. We break down a wild and tragic story involving a professional cornhole player and a shocking crime that leaves everyone asking the same question: how is that even possible? It's one of those moments where the show balances humor with genuine disbelief.Back closer to home, a local golf course incident turns into a full-on “don't mess with my kid” situation involving a golf club, raising the very real question: how far would you go if someone messed with your family? (Answer: probably too far.)And just when you think we've hit peak chaos, we pivot into one of the most unexpectedly passionate debates of the episode—mattresses. Adjustable beds, online shopping regrets, Menards loyalty declarations… it's basically a midlife crisis but with better punchlines.Oh—and we absolutely lose it over a guy abandoning a puppy at the airport, because even in a funny podcast, there are lines you just don't cross.It's messy, it's ridiculous, it's somehow relatable—and it's exactly what you expect from a daily comedy show that refuses to stay on track.Follow The Rizzuto Show → https://linktr.ee/rizzshow for more from your favorite daily comedy show.Connect with The Rizzuto Show Comedy Podcast online → https://1057thepoint.com/RizzShowHear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Pool Pros text questions hereIn this timely and globally relevant episode of Mondays Down Under, hosts Lee (Australia) and Shane (New Zealand) are joined by special guest Nick—a seasoned pool industry veteran with over two decades of experience managing a high-volume retail and service operation.Against the backdrop of escalating geopolitical tensions involving the U.S., Israel, and Iran, the conversation pivots to a pressing issue hitting close to home for pool professionals: rising fuel costs and supply uncertainty. While geographically distant from the conflict, Australia and New Zealand are already feeling the ripple effects—especially at the pump.This episode delivers a grounded, practical discussion on how service-based pool businesses can adapt, protect margins, and remain operational in the face of rising costs and potential shortages.⛽ Key Topics & TakeawaysFuel Prices Are Climbing—Fast Fuel costs across Australia and New Zealand are rising sharply, with increases of 20–50 cents per liter already being reported. Some regions are even experiencing fuel shortages, creating urgency for service companies that rely on daily vehicle use.Service Businesses Are on the Front Line Unlike other industries, pool service companies can't reduce fuel consumption easily. Trucks must roll, routes must be completed, and المياه doesn't balance itself. This makes fuel one of the most immediate threats to profitability.

93% of mattress companies may be missing out—ISPA Expo 2026 reveals the surprising shifts and AI secrets that could change everything for sleep retailers.What does the future hold for the mattress industry? Fresh from ISPA Expo 2026, Mark and Tara Kinsley break down the most eye-opening data, trends, and innovations shaping where sleep is headed. Did you know 93% of mattress companies are regional, yet only account for 30% of industry revenue? Discover why that matters—and what the coming wave of consolidation and technology means for retailers, manufacturers, and consumers.If you've been worried about cautious consumers, housing-driven demand, or how to compete with giants, this episode delivers clarity. Mark shares insights from his keynote on how AI is moving from toy to essential industry toolkit, showing real-world demos that could save your business time and unlock your true competitive edge. Plus, hear about game-changing innovations like Incline Sleep, Geli Sleep's pressure-relief breakthrough, and Neo Nest's modular, eco-friendly platforms.Curious about which trends will actually stick, how to avoid the race to the bottom, and what practical steps you can take right now? Industry experts, visionaries, and retail leaders all weigh in. Whether you're a retailer, manufacturer, or sleep health enthusiast, this episode is packed with actionable insights you won't get anywhere else.Timestamps:00:00 – Why ISPA Expo 2026 was a game-changer for the mattress industry06:45 – The shocking 93%/7% revenue split: What it means for your business11:30 – How cautious consumers and high interest rates are shaping demand17:00 – The moment interest rates dip: The hidden key to mattress sales spikes22:50 – Why moving upmarket can double your revenue (real retailer example)29:20 – The AI toolkit: How to go from toy to tool and save hours every week35:10 – Demo: Instantly get your mattress brand “retail ready” with AI42:00 – Incline Sleep's story: What true incline means for health and comfort48:40 – Adjustable bases for every sleeper: The new side and stomach sleeper innovation54:30 – Geli Sleep's “weightless” experience and why showroom demos matter59:50 – Neo Nest's modular, sustainable foundation—mattress tech goes green1:05:00 – The FAM Innovation Spotlight: How to get your innovation noticedConnect with The FAM Podcast:

Electrification is accelerating across North America. Rebates are expanding. Regulations are tightening. And HVAC contractors are being asked to deliver higher efficiency, lower emissions, and better comfort all at the same time. So where does dual fuel fit in? In this episode of Service Business Mastery, recorded live at AHR Expo, Tersh Blissett sits down with Matt Schlegel and Charles Hurd to break down how dual fuel heat pumps are becoming a powerful solution for commercial and residential contractors. If you're trying to navigate electrification, cold climate performance, rebate programs, and evolving control requirements, this episode gives you clarity and strategy. What You Will Learn in This Episode • What dual fuel heat pumps are and how they operate • The difference between single heat operation and simultaneous heating • Why electrification incentives are driving commercial demand • How dual fuel helps avoid expensive electrical upgrades • Why gas can outperform electric strip heat in extreme cold • How adjustable changeover temperatures impact comfort and cost • How to calculate annual operating costs and emissions impact • How Controls Verification Protocol affects inverter systems • The growing push toward communicating equipment • What AHRI 1380 demand response compliance means for contractors • How manufacturers are using AI to improve troubleshooting and service Timestamps 00:00 Adjustable changeover temperature explained 05:23 What dual fuel solves in commercial applications 08:12 Gas vs electric strip heat in extreme cold 12:24 Utility cost and emissions comparison tool 16:02 How thermostats and changeover logic work 23:39 Brand loyalty after COVID shortages 28:24 Refrigerant transition challenges 33:01 CVP and communicating systems 35:31 Future of proprietary thermostats 40:49 AI in HVAC troubleshooting 44:09 Automation vs AI hype 48:15 How to become a dealer How to become a YORK dealer https://www.york.com/dealers/become-a-contractor  Follow the Host and GuestTersh Blissett: https://www.linkedin.com/in/tershblissett/ Josh Crouch: https://www.linkedin.com/in/josh-crouch/ Matt Schlegel: https://www.linkedin.com/in/matthew-schlegel/ Charles Hurd: https://www.linkedin.com/in/charlesrhurd/  Bosch: https://www.linkedin.com/company/boschhomecomfortgroup/ Connect with Us• LinkedIn - https://www.linkedin.com/company/service-business-mastery • TikTok - https://www.tiktok.com/@servicebusinessmastery • Facebook Group - https://www.facebook.com/groups/servicebusinessmasterypodcast • Instagram - https://www.instagram.com/servicebusinessmasterypodcast

Chapters(0:00) HomeGymCon Update(6:30) Adjustable vs. Traditional Kettlebells - This or That?(8:47) Survey Results - Community Support vs. Made in Country, Entire Home Gym, Specialty Machine Data, More(16:44) Specialty Machine Blind Rankings

Welcome back to another completely normal episode of your favorite daily comedy show — where we try to cover the news and instead end up arguing about how grown adults wipe.It's Friday, February 20th, and we kick things off with breaking news out of Overland… or at least what King Scott thinks is breaking news. Police standoff? Barracuda? Barricade? Nobody knows. But what we DO know is that Overland crimes are apparently “nice crimes.” So that's comforting.From there, things spiral — as they always do — into a full-blown Costco obsession. Beard nets. Free samples. Elite memberships. Business Costcos (??). Is it a warehouse store or a secret society? Why are people lining up 45 minutes for half a grape in a Dixie cup? And most importantly: why are people fighting with shopping carts like it's Thunderdome?Then we enter what may be the most detailed bidet conversation ever recorded on radio. Rafe is remodeling his bathroom and suddenly finds himself staring down a futuristic Japanese toilet that looks like it was designed by NASA. Heated seats. Oscillating spray. Adjustable nozzle trajectory. Butt dryer. Predator-style control panel. The gang debates the ethics of plug-in toilets, self-cleaning mechanisms, and whether standing up to wipe makes you a psychopath. It's educational. It's unsettling. It's everything a daily comedy show should be.And just when you think it can't get grosser — hotel coffee machines enter the chat. A travel influencer suggests washing underwear in the in-room coffee maker. Yes. Brewing. Underwear. We unpack the horror of “panty coffee,” why you should never use hotel coffee makers again, and whether Big Bean (aka Starbucks) is secretly behind the propaganda.But wait — there's more chaos:• A woman abandons her Goldendoodle at the airport because she didn't fill out paperwork.• A pediatric dentist allegedly shows up hammered.• A school custodian hides in a locker room closet.• A former police chief sets houses on fire as revenge.• Thieves are feeding stolen iPhones into EcoATMs for $20.It's a rollercoaster of weird news, questionable humanity, and sarcastic humor — exactly what you expect from this daily comedy show coming straight out of St. Louis.Bathroom tech. Costco conspiracies. Rage bait influencers. Swamp justice hypotheticals. And one extremely adorable abandoned dog named JetBlue.Just another totally average day with Rizz and the gang.Follow The Rizzuto Show → linktr.ee/rizzshow for more from your favorite daily comedy show.Connect with The Rizzuto Show Comedy Podcast online → 1057thepoint.com/RizzShow.Hear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Make a Logo on Fiverr At CES 2026, Eureka Park inside the Venetian lower level once again proves why it's the heartbeat of global innovation. This is where new companies, international companies and bold ideas collide—where today's prototypes could become tomorrow's household names. From AI-powered storage to wearable robotics and smart grooming tools, the show floor is packed with new innovations that feel straight out of the future. Modue Modular Control Panel Content creators and power users, take note. Modue introduces a modular desktop control system that snaps together magnetically, letting you mix and match buttons, sliders and jog wheels into one customizable interface. With support for up to 16 modules on a single connection, users can build a workflow tailored to streaming, editing or production. Starting at $500 for a four-module set, it's a Kickstarter-ready concept that could reshape how creators interact with their tools. Check it out here ZetLab AI NAS: Smarter Storage for Creators Network-attached storage isn't new—but AI-enhanced NAS is. ZetLab's AI NAS lineup brings intelligent file detection, duplicate recognition and expandable storage up to 200TB depending on the model. With multiple RAID options, up to 16GB RAM and powerful processing under the hood, it's designed for video-heavy users who need organization and speed. Pricing starts at $429, making it a compelling option for studios looking to modernize their storage game. Check it out here Subtle VoiceBuds: Hear Only You In a crowded convention hall, Subtle's Voice Buds do something remarkable—they isolate only your voice for transcription and recording, even when someone is shouting next to you. Using machine learning and multi-mic processing, the earbuds require no training and ship this spring for $199. For journalists, creators and remote workers, this could be a breakthrough in clean audio capture. Check it out here Soul Mobility Hybrid Wheelchair Soul Mobility bridges manual and powered mobility with a foldable hybrid wheelchair system. Adjustable ride height, drop-down joystick controls and a travel-friendly design make it practical for everyday use and air travel. At $9,300, it's a premium innovation aimed at giving users greater flexibility without sacrificing performance. Dephy Bionic Walking System One of the most eye-catching innovations at Eureka Park is Dephy's wearable walking assist system. Strapped around the lower leg, the device uses AI-driven power assistance to reduce fatigue while walking. Ideal for professionals on their feet all day—or even CES attendees logging miles on the show floor—the $4,500 system includes battery and shoe integration for a fully powered stride. More info here Shoe Steamer: Deep Clean Without Chemicals Forget tossing sneakers into the washing machine. The Shoe Steamer uses water-based steam—no chemicals, no detergents—to lift grime from leather, suede and athletic shoes. With drying cycles built in, it doubles as a post-rain rescue unit. Pre-orders are set at $699, targeting sneakerheads and anyone serious about shoe care. SYNC AI Pelvic Health Belt In the sports and health section, SYNC introduces a wearable AI-powered belt focused on pelvic and core recovery. Featuring heat, compression and guided app-based coaching, it's designed for wellness support during training or recovery. It's another example of how CES 2026 continues to expand into personalized health tech. Pavo Foldable Pilates System Pavo brings Pilates home with a foldable, intelligent reformer that slides under a bed when not in use. Smart tracking and guided workouts aim to replicate studio-quality sessions in a compact design. Early bird Kickstarter pricing starts at $899, positioning it squarely in the connected fitness category. Farseer ROCX AI Tracking Camera Birdwatchers and outdoor shooters get an upgrade with Farseer's ROCX system. Featuring three-axis gimbal stabilization, 50x zoom and AI-powered auto-tracking, the lightweight unit keeps fast-moving subjects in frame. Crowdfunding begins in February, with pricing ranging from $399 to $799 depending on configuration. FotoStax Motion 3D Prints Fotostax reimagines printed photography with motion and 3D effects. Using a smartphone and a companion device, users can create flip-style and dimensional prints reminiscent of classic lenticular postcards—but powered by modern imaging. The Kickstarter-bound system is expected to launch around $200. Sign up Here Glide Smart Hair Clipper Yes, AI is cutting hair now. Glide introduces what it calls the world's first smart hair clipper, featuring auto fade, real-time AI coaching and an app-controlled trimming system. Designed to make at-home fades easier—even for beginners—the system is expected to launch summer 2026 between $150 and $200, with early deposits locking in lower pricing. Eureka Park at CES 2026 remains the launchpad for new innovations, new companies and ambitious international startups looking to make their mark. From bionic footwear and hybrid mobility systems to smart hair clippers and AI storage, this is where the future gets its first public test run. Get Hair Cut Here Check out the Geekazine Merch, including "I AM AI " T-Shirt.  Thanks for reading! Don't forget to subscribe to Geekazine: RSS Feed - YouTubeTwitter - Facebook Tip Me via Paypal.me Send a Tip via Venmo RSS Bandwidth by Cachefly Get a 14 Day Trial Be a Patreon: Part of the Sconnie Geek Nation! Reviews: Geekazine gets products in to review. Opinions are of Geekazine.com. Sponsored content will be labeled as such. Read all policies on the Geekazine review page.  Reviews: Geekazine is also an affiliate of Amazon Last Updated on February 17, 2026 11:57 am by Jeffrey PowersThe post Bionic Footwear? Smart Hair Clippers? Eureka Park Has it All! appeared first on Geekazine.

Charlie Boscoe is a former IFSC commentator, writer, and co-founder of the Pro Climbing League, a bold new head-to-head bouldering series debuting on February 28 on RedBull TV. We talked about his first experience in the outdoors, why Janja Garnbret and Adam Ondra are the G.O.A.T.s, and why climbing competitions are about to get a lot more exciting. You can learn more at proclimbing.comThe Nugget Training App

Foundations of Amateur Radio On your amateur radio journey, you'll likely discover that many transceivers run on 13.8 volt DC, give or take. For example my FT-857d requires 13.8 volt plus or minus 15 percent, with a negative ground, and a current draw of 22 ampere, more on that later. In other words, the power supply needs to be between about 11.7 and 15.9 volts, the same voltage that runs most vehicles with some wiggle room for fluctuating alternator charging cycles. While some radios will absolutely fit in your car, there's plenty where that just isn't the case, even though they're set-up for a 13.8 volt power supply. You might think of it as an anachronism, a few steps removed from spark gap transmitters, but there's more to the story. Most residential power grids run on AC power, at varying voltages and frequencies between 50 and 60 Hz. Across the world there's eight different AC voltages in use between 100 and 240 volts. Some countries use more than one combination and I haven't even looked at three phase power. Perhaps 13.8 volt DC isn't looking quite as odd. With this revelation comes the need to actually have 13.8 volt available in your shack. Converting your grid power to something you can plug your gear into requires some form of transformation, typically achieved with a power supply. Efficient, cheap and plentiful, the switch mode power supply is the most common. Built to a price, they're also often noisy, not just the fan, but noisy from a radio emissions perspective. Amateur radio has very sensitive receivers and as a result you can often hear, or see if you have a waterfall display, RF birdies, a sound reminiscent of a budgie whistling, every 100 kHz or so across the whole radio spectrum. Not something most other equipment cares about, so you're often left to fend for yourself in figuring out how to deal with this phenomenon. There's plenty of filtering techniques and circuits to be found and some of them even work, but for my money, I'd spend it on a power supply that doesn't make noise in the first place. A regulated power supply maintains a constant output voltage or current, regardless of variations in load or input voltage. An unregulated power supply can wander all over the place. Adjustable power supplies allow you to set the voltage, amperage, or both, sometimes with knobs, sometimes using external controls. At this point you might decide that this is all too hard and you want to do away with all this complexity and use a Sealed Lead Acid, or SLA battery, after all, that's what the 13.8 volt is based on, but then you'll need to charge it. Similarly, picking any battery technology requires some form of charging. Another word for charger is: power supply, often a switch mode one, and likely not filtered in any way that matters to you, since batteries, and for that matter solar power inverters, are unlikely to care about RF birdies. I will make mention of linear power supplies. When I started on this journey, this was the strong recommendation from my peers as the most desirable option. Although they're significantly less efficient than switch mode power supplies, only 30 percent versus better than 80 percent, from an RF perspective, they're extremely quiet. Of course, the lack of efficiency reveals itself in the form of heat, which necessitates the application of cooling, from a fan, often a very noisy fan. One potential source of power supply is a computer power supply unit or PSU. Before you go down that route, consider that they're intended for installation inside a case, often generate various voltages at very specific current draws and are not typically known for being RF quiet. After weighing up all the variables, I chose a laboratory grade switch mode current limiting adjustable power supply. It's set to 13.8 volt and it sits on my desk doing its thing. Rated at 1 to 15 volts at 40 ampere, it's now as old as I am in amateur radio terms, well and truly a teenager, it's also overkill, by quite a margin. Remember when I mentioned that my FT-857d is rated at drawing 22 ampere? As a QRP or low power station I typically use my transmitter set to 5 watt, but even when others use it at full power, I have never ever seen it draw more than 12 ampere. That's not to say that it can't draw 22, I've just never seen it. As a benefit of having such a massive overkill in the specifications of my power supply, I can power more than one radio and not notice. Not that they're all transmitting at the same time, or using more than 5 watt, it just doesn't matter. I previously discussed setting a standard for coax connectors in the shack, the same is true for deciding what to pick for power supply connectors. In my case I chose Anderson Powerpole connectors. Pins come in 15, 30 and 45 ampere ratings, are genderless and housings are available in many different colours. When I say genderless, it means that you can join two identical connectors. Within my shack, I use the RACES or ARES Powerpole wiring standard and every single 13.8 volt connection uses it. If I get new gear that uses some other connector, I'll cut the power supply wire in half and terminate both the power supply and the cut off cable using Powerpole connectors. That way my gear will connect to my own power supply and I'll have a universal adaptor cable when I need it. Over the years I've collected an impressive array of adaptors using this method and it's helped immensely when sharing gear with other amateurs. Word of warning, make sure you get positive and negative the right way around when you join your Powerpole connectors, and make sure that you have the red and black housings the right way around too, you can thank me later. If you do this more than a few times, I'd recommend that you spend the money on a proper crimping tool. It makes the experience So. Much. Better. To avoid many of the pitfalls of interference whilst connecting power and coax to the same radio, try hard to avoid running both in parallel, or worse, joined to each other. Instead, attempt to run them in different directions and only cross at right angles if you have to. One thing to consider is the ability to switch everything off immediately. To that end I have a power switch on my desk that isolates all power to the equipment. You'll notice that I have not said anything about grounding or earthing, that's on purpose. Your laws and mine are not the same. Similarly, information you'll find online rarely, if ever, describes the jurisdiction it applies to, so, look at your own rules and implement accordingly. I'm Onno VK6FLAB

I have a BIG announcement!Introducing... The Create Your Shape Training Program - now included in Create Your Shape!When we pair optimal training with optimal nutrition, amazing things happen.Quick note: The January CYS cohort starts Monday, January 12th, and tomorrow (Thursday, January 8th) is the final day to join!In this episode:Why I created this:After working with hundreds of women and creating custom training programs, I started seeing patterns. This was specifically designed based on which muscles they wanted to emphasize, their experience and equipment access, and the cues they needed to execute confidently.I'd also see them following other programs that were close but just... off. So I created one specifically for ladies who want to build a feminine, fit shape in the most effective way.What's included:• Progressive overload, full body program• Emphasis on shoulders and glutes (secondary: legs and back)• Adjustable for 4-5 days per week• 3 equipment tracks: Garage gym, Functional fitness gym, or Full gym• Every exercise includes video demo, cues, sets, reps, and target muscle• Instructions on tracking weights for progressive overloadHow it works in CYS:You get access immediately when you join. In Week 3, we fine-tune based on your goals. Then every week we'll track progressions and you can get video form reviews and coaching to ensure you're learning, improving, and progressing.Enrollment closes tomorrow (Thursday, Jan 8th). We start Monday, Jan 12th.Click here to join the January cohort and get started with the NEW Create Your Shape Training Program! [Take the Quiz] What are you missing to Be Fit, Well-Fed, and Fully Energized? Work with Jenny the Nutritionist in Create Your Shape:https://jennythenutritionist.com/create-your-shape/Follow Jenny the Nutritionist on Instagram:@jennythenutritionist

Two days from now will be a busy night for Uber and Lyft. Know how to find the best deal when you need a ride.  Also today, risky mortgages are becoming popular again. Get Clark's best advice for buying or refinancing a home.   Save On Ride Services: Segment 1 Ask Clark: Segment 2 Risky Home Loan Resurgence: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] I tested 80 Uber and Lyft rides and found a powerful way to save Axios: America's big robotaxi rollout Do I Need To Unfreeze My Credit To Shop for Car Insurance? Is Now a Good Time To Refinance Your Mortgage? Do You Get Better Hotel Prices From Third-Party Sites or by Booking Directly? How To Save on Travel With Google Flights Clark Howard's Digital Wallet Strategy Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Tired of lugging around a full set of golf clubs? Meet the Q Adjustable Golf Club – a single club designed to replace your entire set! In this episode, Pete dives into the innovative design, usability, and on-course performance of the Q Club. From unboxing to testing in a simulator, hear the pros and cons of this Kickstarter sensation. Is it the perfect solution for casual golfers, urban players, and par-3 enthusiasts? Tune in to find out if the Q Club can truly replace your bag. Get ready for the most fun and versatile club review yet! Get it here... https://q.golf/ Get golf clubs on Amazon here... https://geni.us/MCbl You can buy my terrible adult humor book here... https://amzn.to/3zeF4fghttps://www.amazon.com/shop/petervonp... Join this channel to help me bring you more vids...    / @petervonpanda   Subscribe to the Peter von Panda Podcast here...    / @petervonpandapodcast   Join the free von Panda group here... https://panda-research-institute.mn.co Get Peter von Panda gear here... https://petervonpanda.storenvy.com/ Instagram...   / petervonpanda  

Welcome sweater weather!

How Scott Built a Multimillion-Dollar Mattress Business in a Town of 4,400What does it take to turn a tiny-town mattress store into a multimillion-dollar powerhouse? In this episode, Scott breaks down the mindset, systems, and sales strategies that transformed his business — and the insights are pure gold for any retailer.From the phrase that changed his store culture (“Best day in history”) to creating a contagious team energy, Scott reveals how elite retailers think, act, and WIN.Whether you're selling luxury mattresses, leading a retail team, or navigating tough economic seasons, this episode is stacked with actionable takeaways you can use today.03:05 — The sales phrase that changed everything (“Best day in history”)06:30 — Why average stores lose (and how to make your team contagious)10:45 — The ‘funk' mindset: Energizing teams and crushing comfort zones15:55 — Elite vs. average: What Sleep Summit taught top retailers21:55 — The untold secret to selling luxury mattresses to ANY customer24:30 — Adjustable base “flat” button: The four-letter word you should never say28:57 — Why advertising in a recession is your secret weapon (with hard numbers)41:05 — The ‘bed bundle' strategy: Effortless upsells that delight customers51:30 — Unreasonable hospitality: Turning friction into fun and fansWhat's YOUR #1 tip for bringing the funk and standing out in retail? Drop it in the comments!Join thousands of sleep-optimizers and business leaders sharing their best ideas every week — subscribe and be part of The FAM.Ready to transform your business? Reach out to Scott or visit thefam.com for more insider strategies.LinkedIn: https://www.linkedin.com/company/the-fam-mattress/TikTok: https://www.tiktok.com/@forallthingsmattressInstagram: https://www.instagram.com/forallthingsmattress/?hl=enFacebook: https://www.facebook.com/thefamnewsSpotify: https://open.spotify.com/show/4wvSqPZaxehCSmwRpByLi4?si=65a6aa9c5be54b58Apple Podcast: https://podcasts.apple.com/us/podcast/the-fam-podcast-with-mark-kinsley/id1452601818#MattressIndustry #SleepScience #RetailSuccess #CustomerExperience #BringTheFunk

Sonya Kim and Romeo Ravagnan are CoFounders of 3F Labs.In this episode, we explore how 3F is pioneering the next generation of leveraged tokenized fund yield by bringing institutional-grade arbitrage strategies fully onchain. Sonya and Romeo break down how transparency, adjustable leverage thanks to bridge loans, and new legal frameworks will open the door for a new wave of professional capital entering DeFi while still offering the same tools to onchain retail investors.Note: This podcast was recorded before Stream Finance blew up, otherwise we would have likely commented on it and asked related questions.------

With many homeowners now saddled with unsustainably high mortgage payments, some are looking to adjustable rate mortgages as an alternative, gambling on the prospect of lower rates coming down the pipe. Donna and Nathan discuss the flawed assumptions and risks behind this strategy. Also on MoneyTalk, the shift back to active bond funds, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 11/4/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Discover the Ultimate Sleep Experience with iSense Adjustable Mattresses Myisense.com About the Guest(s): Paul Logman is the founder and CEO of iSense, a company revolutionizing the way people buy and experience sleep. With over 37 years in the mattress industry, beginning his journey out of Australia, Paul has been a leader in enhancing and delivering luxury mattress products that cater to individual sleep needs. His entrepreneurial journey in the U.S. Midwest has led to innovations in adjustable comfort technology, enabling consumers to personalize their sleeping experience for improved rest and health. Episode Summary: In this episode of "The Chris Voss Show," Chris talks with Paul Logman, the innovative mind behind iSense. Together, they explore the excitement and challenges of transforming the sleep industry, highlighting Paul's dedication to rectifying the traditional mattress buying process. Through their engaging conversation, listeners gain insight into the importance of customizing sleep environments to enhance wellness and ratify the aging mattress industry. The episode shines a spotlight on revolutionary changes tailored not just to improve sleep but also to catalyze healthier living. With iSense, Paul Logman brings a fresh perspective to the largely static world of mattress shopping by integrating smart technology into sleep surfaces. Chris and Paul discuss how the iSense technology allows each sleeper to personalize firmness levels at the touch of a button, providing long-lasting comfort tailored to one's unique needs. The episode also touches on the critical role of quality sleep in overall health, highlighting data-driven insights and advanced adjustability options for optimizing nightly rest. Whether curious about groundbreaking sleep tech or eager to improve personal health, listeners will find valuable insights in this conversation. Key Takeaways: iSense offers a customizable mattress solution that can adjust firmness independently on each side to meet individual sleep needs. Paul Logman's journey in the mattress industry led to creating iSense, transforming how mattresses support sleep and health. Good sleep is vital and impacts everything from daily functionality to long-term health, including reducing risks of conditions like dementia and Alzheimer's. The buying process for mattresses is outdated; iSense aims to bring innovation directly to consumer homes, redefining retail experiences. iSense products are supported by a 180-night comfort guarantee, showcasing the brand's commitment to consumer satisfaction and product quality. Notable Quotes: "The process, he realized, sets people up to fail, especially couples with different sleep needs." "The magic of iSense is we reorganize components that allow the mattress to mechanically adjust firmness at the touch of a button." "Every other industry around us does that—why doesn't the mattress industry?" "It's frustrating to record sleep, but they don't help you improve it—iSense wanted to do something about it." "Invest in your sleep, man. Sleep is everything."

Topics include: #RateMyMeal, Possibly the worst thing I've ever heard of with "girl dinner", Adjustable dumbbells pros/cons & Will these lunatics finally return to Germany? We can only hope. Join The SwoleFam https://swolenormousx.com/membershipsDownload The Swolenormous App https://swolenormousx.com/swolenormousappMERCH - https://papaswolio.com/Watch the full episodes here: https://rumble.com/thedailyswoleSubmit A Question⁠ For The Show: https://swolenormousx.com/apsGet On Papa Swolio's Email List: https://swolenormousx.com/emailDownload The 7 Pillars Ebook: https://swolenormousx.com/7-Pillars-EbookTry A Swolega Class From Inside Swolenormous X: https://www.swolenormousx.com/swolegaGet Your Free $10 In Bitcoin: https://www.swanbitcoin.com/papaswolio/   Questions? Email Us: Support@Swolenormous.com

Ben Keys, Wharton Real Estate Professor, discusses the renewed interest in adjustable-rate mortgages, outlining how these products can offer short-term savings for homebuyers facing steep housing costs and elevated interest rates, while also exploring the long-term risks and strategic considerations involved. Hosted on Acast. See acast.com/privacy for more information.

10-22-25 - BR - WED - Story Claims We May See Flying Cars By 2027 But We Worry About The Drivers - Study Finds People Claim Halloween Makes Them Lonely - AWS Outage Disabled People's Adjustable BedsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10-22-25 - BR - WED - Story Claims We May See Flying Cars By 2027 But We Worry About The Drivers - Study Finds People Claim Halloween Makes Them Lonely - AWS Outage Disabled People's Adjustable BedsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Come get geeky with Dave, Ronan, and Zach (Boulder Grupetto), as they add context to the latest cycling tech.This week you'll hear about adjustable crank lengths, whether fancy bottom brackets are worth the expense, and if modular mechanical rear derailleurs will succeed.Members of Escape will also hear a non-safety-critical PSA, and of course, Ask a Wrench. That Ask a Wrench is a little different from the usual, with a long chat about whether the review bikes we get are given special treatment by the brands.Time stamps:1:50 - Adjustable length cranks return with SRM10:15 - A dive into fancy fancy bottom brackets via CeramicSpeed's overhaul29:30 - Did Specialized get the new Aethos right?37:30 - Debating premium, modular, mechanical rear derailleurs.44:00 - PSA - Check your hex keys for wear (Members Only)51:00 - Ask a Wrench (Members Only)53:00 - Do we get special bikes to review?1:04:00 - Solving mystery air in disc brakes

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Mike and Trey Farley celebrate the second anniversary of the Luxury Outdoor Living Podcast. They dive into enhancing outdoor spaces with George from Apollo Louver Roofs, exploring the benefits of louvered roofs for shade and weather protection. They discuss installation methods, weather resilience, customizable features, and integrating smart home technology. Additionally, the episode includes expert advice on outdoor kitchens and the versatile uses of louvered roofs, including covering pools and full cantilever systems. The show ends with George sharing his entrepreneurial journey and the importance of exceptional customer service.   Discover more: https://www.apolloopeningroof.com/ https://www.farleypooldesigns.com/ https://www.instagram.com/farleydesigns/ https://www.instagram.com/luxuryoutdoorlivingpodcast/ https://www.instagram.com/poolzila/   00:00 Introduction and Podcast Milestone 01:43 Today's Topic: Ideal Sitting Areas 03:38 Understanding Louvered Roofs 08:15 Installation and Maintenance Insights 09:37 George's Journey and Entrepreneurship 20:51 Barbecue Bits: Outdoor Kitchen Pot Filler Features 24:13 Customization and Design Options 27:52 Technical Specifications and Smart Integration 36:49 Common Mistakes in Patio Roof Extensions 37:39 Mounting Protocols and Design Flexibility 39:38 Maximizing Span and Overhang in Designs 45:25 Customizable Lighting Solutions 47:56 Enhancing Outdoor Spaces for All Seasons 50:32 Comparing to Competitors and Industry Insights 54:57 True Crime in Home Improvement 55:48 Covering Pools and Unique Applications 57:20 Operating and Maintaining Louvre Systems 01:02:42 Personal Insights and Final Thoughts 01:08:44 Conclusion and Podcast Information  

In this insightful episode of Rethink Real Estate, host Ben Brady sits down with Laura Phillips, Reverse Mortgage Specialist with MAC5 Mortgage Inc., to tackle one of the most misunderstood financial tools for seniors—reverse mortgages. With licenses across Colorado, Arizona, California, and Florida, Laura brings clarity to an industry that has long carried a reputation for confusion and skepticism.Together, Ben and Laura dive into the history of reverse mortgages, separating fact from myth, and explain how today's product is far safer and more regulated than in decades past. From addressing legacy concerns for families to unpacking the real costs and fees, this conversation highlights how reverse mortgages can help seniors downsize, access equity, or simply create financial breathing room in retirement.You'll hear real-world examples of how homeowners have used reverse-for-purchase loans to relocate and still preserve cash reserves, the truth about compounding interest and non-recourse protections, and how agents can use this knowledge to better guide their clients. Whether you're an agent navigating conversations with older clients, or a family member trying to help parents plan smarter, this episode provides the clarity you've been waiting for.⏱️ Timestamps & Key Topics[00:00:00] – Why revisit reverse mortgages? Community questions & concerns[00:02:34] – The early problems: predatory lending and “grandma on the street”[00:05:01] – Safeguards today: spousal protections, financial assessments & HUD regulation[00:07:25] – The big question: what if the property ends up underwater?[00:10:30] – Legacy vs. liquidity: balancing kids' inheritance with parents' comfort[00:13:01] – How much equity can you access? (40–70% explained)[00:16:42] – Adjustable rates, credit lines & why interest accrues differently[00:18:51] – Case study: downsizing with a reverse-for-purchase loan[00:23:25] – Why more seniors should explore this option before saying “never”

In this episode, we're diving headfirst into the world of baby wearing with Jordan Morillo, a perinatal health OT, certified babywearing consultant, and toddler mom. We're talking everything from the ABCs of carrier choices to spotting a perfect carry (and avoiding the not-so-perfect ones). You'll learn how to safely position your baby, back carry like a pro, tandem wear without losing your mind, and even breastfeed on the go. We tackle fears, hot-weather hacks, and ethical carrier picks, so whether you're a newbie or a seasoned wearer, you'll walk away confident, informed, and ready to rock that baby wearing life. 00:00 Introduction and Importance of Baby Wearing 05:42 Key Safety Components: The ABCs of Baby Wearing 08:53 Understanding the M Position for Baby's Legs 15:21 Choosing the Right Baby Carrier 20:59 Addressing Common Concerns and Misconceptions 25:03 Risks and Benefits of Baby Wearing 29:36 Special Considerations for NICU and Preemie Babies 33:40 Misleading Marketing and Safety Testing 39:22 Addressing Baby's Discomfort with Carriers 39:45 Tips for Easing Baby into Baby Wearing 41:05 Understanding Baby's Resistance to Carriers 45:14 Debunking Myths: Baby Wearing and Clinginess 48:52 Breastfeeding Benefits and Baby Wearing 50:55 Toddler Wearing: Tips and Techniques 54:44 Tandem Wearing: Managing Two Kids 56:21 Forward Facing: When and How 01:00:21 Favorite Carriers for Different Scenarios 01:07:44 Water Safe Baby Wearing 01:11:22 Final Thoughts and Takeaways   Guest Bio: Jordan Morillo is a perinatal health OT, certified babywearing consultant, and toddler mom, who is passionate about empowering families with the knowledge they need to babywear safely, comfortably, and with confidence. She provides parent support through worldwide virtual 1:1 consultations, home health services, and by sharing free resources and tutorials on social media. INSTAGRAM: Connect with HeHe on IG  Connect with HeHe on YouTube   Connect with Jordan on IG    BIRTH EDUCATION: Join The Birth Lounge here for judgment-free childbirth education that prepares you for an informed birth and how to confidently navigate hospital policy to have a trauma-free labor experience!   Download The Birth Lounge App for birth & postpartum prep delivered straight to your phone!   LINKS MENTIONED: Visit Motherhoodtherapyservices.janeapp.com to book a consultation with Jordan!  Babywearing Resources Everyday Carriers Hoppediz Primeo – https://hoppediz.de/en/baby-carriers/primeo A buckle carrier that's perfect for smaller babies. Neko Tiny – https://www.nekoslings.com/en/ A stretchy wrap–buckle hybrid carrier for newborns. Solly Baby – https://sollybaby.com/ Lightweight stretchy wraps designed for comfort in the early months. Boba – https://boba.com/ Known for soft structured carriers and stretchy wraps. Ring Slings – Popular ones are from Sakura Bloom https://sakurabloom.com/collections/ring-sling and Mama & Roos https://www.mama-roo.com/collections/ring-slings Easy to adjust and stylish for on-the-go babywearing. Onbuhimo Buckle Carrier Strap-and-back-only carrier, ideal for toddlers who want up and down often. Forward Facing Options – ErgoBaby Omni https://ergobaby.com/omni-breeze-baby-carrier and Tula Explore https://babytula.com/products/explore-baby-carrier Safe forward-facing carry for older babies. Jordan's favorite ethical/organic brands:  Ethically made, sustainable carriers with thoughtful design. Hope & Plum https://www.hopeandplum.co/collections/baby-carriers Heritage Baby Designs https://heritagebaby.ca/ LoveHeld https://loveheld.com/collections/shop-all-baby-carriers  Beluga Baby https://belugababy.ca/ Size Inclusive Carriers Ring Slings – Sakura Bloom https://sakurabloom.com/collections/ring-sling, Mama & Roos https://www.mama-roo.com/collections/ring-slings Adjustable and versatile for all body types. Woven Wraps – Didymos https://www.didymos.de/en/Baby-Wraps/, Oscha Slings https://oschaslings.com/collections/baby-wraps Endless tying options for perfect fit and comfort. Keep Close(r) – https://keepcloser.com/ Designed specifically with plus-size parents in mind. Kinderpack – https://kindercarry.com/ Extended sizes and supportive structure for all bodies. Integra Baby – https://integrababy.co.uk/ Lightweight carriers with adjustable straps for inclusivity. Hope & Plum – https://www.hopeandplum.co/collections/baby-carriers Ring slings made for every parent's comfort. LoveHeld – https://loveheld.com/collections/shop-all-baby-carriers Soft, ethically made carriers with flexible sizing. Tula Belt Extenders – https://babytula.com/products/tula-waistband-extenders Expand Tula carriers for a more inclusive fit. Meh Dai Carriers – Didymos https://www.didymos.de/en/Meh-Dai/, BabyHawk https://babyhawk.com/ Tie-on carriers with a customizable fit. Lamb (Europe) – https://lamb-babycarriers.com/ European-made woven carriers, size-friendly. WildBird – https://wildbird.co/ Long-tail ring slings for flexible carrying options. Water Wearing Carriers Integra Solar – https://integrababy.co.uk/collections/integra-solar Quick-drying, lightweight carrier for water activities. Hope & Plum Hemp Sling – https://www.hopeandplum.co/collections/baby-carriers Breathable sling, perfect for summer and pool days. LoveHeld Hemp Carrier – https://loveheld.com/collections/shop-all-baby-carriers Durable hemp blend, suitable for water and sun. Aloha & Light Eco Silk Hemp Blend – https://alohaandlight.com/ Soft, eco-friendly slings designed for hot climates. Beachfront Baby – https://beachfrontbabywraps.com/ Mesh Meh Dais and wraps made for swimming and beach days. Gustine Mesh Sling – https://gustinebabycarriers.com/ Breathable mesh sling perfect for water play. RESEARCH: Study on reduction of PMADs: Randomized controlled trial to prevent postpartum depressive symptomatology: An infant carrier intervention. Little EE, Bain L, Hahn-Holbrook J. J Affect Disord. 2023 Nov 1;340:871-876. doi: 10.1016/j.jad.2023.08.044. Epub 2023 Aug 15. PMID: 37586649. Study on decreased cry time when worn: Increased Carrying Reduces Infant Crying: A Randomized Controlled Trial.Urs A. Hunziker; Ronald G. Barr. Pediatrics (1986) 77 (5): 641–648 Vital signs regulation:  https://pubmed.ncbi.nlm.nih.gov/39369660/ 

The fart box is too tight, Snitzer's wife taught him how to drive stick shift, and Duji disagrees with everything Rover says. American Eagle has made a shift in how they market their clothes. Professional golfer, Ben Griffin, claims to have overdosed on creatine during the BMW Championship. Charlie took creatine before and doesn't believe that you could see any benefits from a 5-minute workout. MSNBC. Duji had taxes taken out of her paycheck for a mattress she got from a client. A woman on tiktok claims memory foam mattresses have fiber glass in them. Rover wants a bed with an adjustable base. Duji is drinking a White Claw. B2 would not lay on any of the beds at the mattress store to test them out. A Kentucky woman was arrested after she poured salt in the engine of her ex's car and glitter in the a/c. Charlie is a two pump chump. OnlyFans star, Lil-Tay, says if you are over the age of 25 and working a job you are a failure. Charlie poured concrete to fill out his back patio. Charlie plans on building his gazebo by himself. A Justin Bieber impersonator is banned from a Vegas nightclub. Gia's first day of school.See omnystudio.com/listener for privacy information.

The fart box is too tight, Snitzer's wife taught him how to drive stick shift, and Duji disagrees with everything Rover says. American Eagle has made a shift in how they market their clothes. Professional golfer, Ben Griffin, claims to have overdosed on creatine during the BMW Championship. Charlie took creatine before and doesn't believe that you could see any benefits from a 5-minute workout. MSNBC. Duji had taxes taken out of her paycheck for a mattress she got from a client. A woman on tiktok claims memory foam mattresses have fiber glass in them. Rover wants a bed with an adjustable base. Duji is drinking a White Claw. B2 would not lay on any of the beds at the mattress store to test them out. A Kentucky woman was arrested after she poured salt in the engine of her ex's car and glitter in the a/c. Charlie is a two pump chump. OnlyFans star, Lil-Tay, says if you are over the age of 25 and working a job you are a failure. Charlie poured concrete to fill out his back patio. Charlie plans on building his gazebo by himself. A Justin Bieber impersonator is banned from a Vegas nightclub. Gia's first day of school.

From candidacy to post-operative adjustments, this episode of AdVANCEd Patient Care walks through the key clinical and communication points for the Light Adjustable Lens. Learn how to identify ideal candidates, navigate the patient education process, and leverage this technology for optimal results.

Thinking about skipping the hassle of concrete? In this episode of The Ultimate Deck Podcast, we break down adjustable deck footings: when to use them, their pros and cons, and how GH Levellers and Pylex options stack up. Perfect for DIYers and pros looking for faster, flexible footing solutions for their decks. Visit TUDS.ca for more info!

In this episode, Tyler demonstrates how to hide your recent searches from showing up when double-tapping the address and search field in a new Safari tab on iOS or iPadOS.Starting in iOS 18.4 and iPadOS 18.4, your recent searches will by default appear above the keyboard when opening a new tab in Safari and double-tapping the address and search field. If you'd prefer your search activity wasn't so immediately visible, you can turn this off by going to Settings > Apps > Safari, and toggling the "Show recent searches" switch off. Note that this will only hide recent searches from showing above the keyboard in the address and search field; it won't hide them from your browsing history. For searches you want to keep truly private from others who can access your device, you'd need to either clear your browsing history, or use private browsing.TranscriptDisclaimer: This transcript was generated by Aiko, an AI-powered transcription app. It is not edited or formatted, and it may not accurately capture the speakers' names, voices, or content.Hey, Apple Visors, Tyler here, with a quick tip for how to hide your recent searches in Safari on iOS and iPadOS.With iOS and iPadOS 18.4, when opening a new tab in Safari and double tapping the Address and Search field, your recent searches will, by default, be displayed above the keyboard.While some may find this convenient if they, for example, perform the same searches often, users may not want their search history so visible.To turn this off, you'd go to Settings, Apps, Safari, and toggle the Show Recent Searches switch off.And I'm going to demonstrate that now on my iPhone.Settings.Settings, Apps, Button, Apps, Selected, Section Index, Adjustable.And swipe down to S. And tap in the center of the screen.And since the search heading, where the setting is located, is above the general heading, I'm going to swipe up.Swipe right.Show Recent Searches, this is off for me.If it's on for you and you want to turn it off, just double tap.Now keep in mind that this will not prevent someone from going through your web history and seeing your recent searches.It simply hides them from the search field in a new tab.So when you open a new tab and double tap the search field, your searches will not show up there, but they still will show up in your web history.For things that you'd want to stay private from others who may be able to access your device, you need to do something else like use private browsing or clear your web history.Either way, I hope you found this tip helpful.Peace.

The 2025 Indian PowerPlus lineup has arrived, and I had the opportunity to test these bikes in the stunning landscape of Lake Las Vegas and the Valley of Fire. With an upgraded 112 cubic inch PowerPlus motor, new rider-assist technologies, and refined aerodynamics, Indian has taken their motorcycles to the next level. This review will cover the engine performance, ride quality, handling, technology, and new safety features introduced in this lineup. The New 112ci PowerPlus Engine: More Power, More Fun Indian has built upon its 108ci liquid-cooled PowerPlus engine, upgrading it to a 112ci V-twin that delivers: 126 horsepower at 5,500 RPM 133 foot-pounds of torque at 3,600 RPM 60-degree V-twin configuration Overhead cams, four valves per cylinder, and dual throttle bodies Compared to the 2023 Indian Pursuit Dark Horse I tested for a year, the 2025 PowerPlus engine offers more power and better low-end torque. The real question is how this translates to real-world performance, which I explored during the test ride. SUPPORT US AND SHOP IN THE OFFICIAL LAW ABIDING BIKER STORE First Impressions: Chieftain PowerPlus & Redesigned Fairing I was assigned the 2025 Indian Chieftain PowerPlus, and right away, the bike felt incredibly well-balanced. Despite its size, it was easy to manage, and the redesigned batwing fairing is noticeably sleeker and more aerodynamic. The new fairing design includes: Separated dual vents for better wind management More refined lower sections for improved airflow Wind tunnel-tested shape for high-speed stability While the sharknose fairing remains largely unchanged, the batwing updates make a real difference in handling and rider comfort. Riding Performance: How Does the 112 PowerPlus Feel? Once in the saddle, I could instantly feel the higher-revving nature of the PowerPlus engine. The torque kicks in at 3,600 RPM, pushing the rider back in the seat. This engine thrives in the higher RPM range, delivering a sporty, performance-driven feel. At 5,500 RPM, the bike produces 126 horsepower, making it one of the most powerful V-twin touring motors available. For those who prefer a more traditional low-end torque experience, Indian still offers the Thunderstroke air-cooled engine on select models. This gives buyers a choice between classic American cruising or high-performance touring. CHECK OUT OUR HUNDREDS OF FREE HELPFUL VIDEOS ON OUR YOUTUBE CHANNEL AND SUBSCRIBE! Suspension & Braking: Inverted Forks and Radial-Mounted Brembos Suspension Upgrades Front: 43mm inverted forks with 5.1 inches of travel, offering more rigidity and precision than conventional forks Rear: Fox Monoshock with 4.5 inches of travel The inverted forks provide: Less flex under braking More precise steering feedback Better handling in aggressive riding situations Braking System Dual 320mm semi-floating rotors (front) 298mm floating rotor (rear) Brembo radial-mounted calipers Radial-mounted brakes provide better rigidity and performance compared to standard axial-mounted ones, making this a high-performance touring machine. NEW FREE VIDEO RELEASED: One Simple Adjustment That Transforms Your Motorcycle – Set Your Sag! Ultimate Guide Sponsor-Ciro 3D CLICK HERE! Innovative products for Harley-Davidson & Goldwing Affordable chrome, lighting, and comfort products Ciro 3D has a passion for design and innovation Rider Assist Features: New Innovations for 2025 Indian has introduced some of the most advanced rider-assist features on an American-made V-twin. These include: Standard Features ABS 6-axis IMU lean-angle detection with traction control and ABS. Drag torque control to prevent rear-wheel lockup on aggressive downshifts New for 2025 Hill Hold Control – Keeps the bike from rolling backward when stopped on an incline. Electronically Linked Braking – If the rider applies only the front or rear brake, the system automatically applies the other for better balance, stopping, and safety. Blind Spot Detection – Warns riders with mirror-mounted yellow LED indicators when a vehicle is in their blind spot. Rear Collision Warning – Alerts riders when a vehicle is following too closely and pulses the brake light to get the driver's attention. These safety features make a significant difference, particularly for riding in heavy traffic conditions. Comfort, Ergonomics, and Ride Quality The 2025 Chieftain PowerPlus offers a well-designed rider triangle, making it comfortable for long-haul rides. Stock seat: Well-padded with excellent lower back support Floorboards: Spacious and positioned well for comfortable leg placement Adjustable windscreen: Allows riders to set their preferred wind protection One ergonomic improvement Indian could consider is adjusting the brake pedal placement slightly forward for better foot positioning. Sponsor-Butt Buffer CLICK HERE Want to ride longer? Tired of a sore and achy ass? Then fix it with a high-quality Butt Buffer seat cushion? New Patrons: Michael Richey of Kokomo , Indiana Gary Strainer of Tampa, Florida Jorge Luna of Anoka, Minnesota If you appreciate the content we put out and want to make sure it keeps on coming your way then become a Patron too! There are benefits and there is no risk. Technology & Infotainment: Ride Command System The 7-inch Ride Command system remains largely unchanged from previous Indian models, offering: GPS Navigation Bluetooth Connectivity Apple CarPlay Customizable Ride Modes (Rain, Standard, Sport) While functional, the system could use an update. Given the premium price of these bikes, a fully digital dashboard with faster processing and a smoother interface would be a welcome upgrade. Final Thoughts: A High-Performance Touring Machine After spending an entire day riding through the Valley of Fire, I can confidently say the 2025 Indian PowerPlus lineup delivers a fun, powerful, and well-engineered riding experience. What Indian Got Right More horsepower and torque than the previous 108ci motor Sleek, aerodynamic batwing and shark nose fairing Inverted forks and radial-mounted Brembo brakes Blind spot detection and rear collision warning, a first on an American V-twin Improved heat management compared to past models Areas for Improvement Ride Command system needs an update Cable clutch should be upgraded to a hydraulic system Large radar unit on the rear could be better integrated for aesthetics Who Is This Bike For? This bike is best suited for riders who want: A powerful, high-performance touring motorcycle The latest rider assist features for safety and comfort A sporty V-twin experience with high-revving power For those who prefer a traditional low-end torque cruiser, the Thunderstroke models might be a better fit. Final Verdict: Worth It? If you are looking for a modern, high-performance bagger that retains the classic Indian motorcycle charm, the 2025 PowerPlus lineup is an excellent choice. This bike delivers an exciting riding experience, blending power, comfort, and cutting-edge technology. Thanks to the following bikers for supporting us via a flat donation: Gregory Goss of Port Orange, Florida Christopher Palmerone Jeffrey Cross HELP SUPPORT US! JOIN THE BIKER REVOLUTION! #BikerRevolution #LawAbidingBiker #Bikaholics #RyanUrlacher

Today's Topics:1. Sound Signature Review 6.178 – the Otter Creek Labs Infinity on .308 bolt-action. New hybrid design silencer from OCL – two tests; both solid and vented 7.62 end caps. Technical discussion of the Infinity's .308 performance.a. Intro and Infinity physical characteristics (00:07:34)b. Solid 7.62 end cap technical performance walkthrough (00:29:31)c. Vented 7.62 end cap technical performance walkthrough (00:36:58)d. Performance comparisons (00:45:44)2. Sound Signature Review 6.179 – the Otter Creek Labs Infinity on the 5.56 standard untuned MK18. Three tests! Solid 5.56 end cap, vented 5.56 end cap, and the vented 7.62 end cap. Adjustable back pressure. Technical discussion of the Infinity's 5.56 performance.a. Intro and Polonium and Infinity 5.56 semiauto behavior (00:49:43)b. Solid 5.56 end cap performance notes (01:11:15)c. Vented 5.56 end cap performance notes (01:13:10)d. Vented 7.62 end cap performance notes (01:15:26)Sponsored by - Silencer Shop, Top Gun Range Houston, Legion Athletics, Capitol Armory, and the PEW Science Laboratory!Legion Athletics: use code pewscience for 20% off your first order and double points!Magpul: Use code PSTEN to receive $10 off your order of $100 or more at Magpul

Today's Topics:1. Sound Signature Review 6.178 – the Otter Creek Labs Infinity on .308 bolt-action. New hybrid design silencer from OCL – two tests; both solid and vented 7.62 end caps. How does this technology perform with 7.62 NATO? Introductory discussion for this whitepaper published today. (00:09:35)2. Sound Signature Review 6.179 – the Otter Creek Labs Infinity on the 5.56 standard untuned MK18. Three tests! Solid 5.56 end cap, vented 5.56 end cap, and the vented 7.62 end cap. Adjustable back pressure? Yes. How does each configuration perform? Introductory discussion for this lengthy study published today. (00:23:48)Sponsored by - Silencer Shop, Top Gun Range Houston, Legion Athletics, Capitol Armory, and the PEW Science Laboratory!Legion Athletics: use code pewscience for 20% off your first order and double points!Magpul: Use code PSTEN to receive $10 off your order of $100 or more at Magpul

Learn about helpful home gym equipment. This gear solves common problems or makes your lifting more fun, varied, or effective.  Helpful Strength Equipment for Your Home Gym You need a few items to begin strength training properly, though you can also start exercising today. As you progress and build the habit of strength training (and simultaneously get older) some equipment can help solve common problems you will likely encounter. Some of these items help add variety and make training more fun. Other gear helps deal with common injuries or pain points. Regardless, this list of items can help you build compliance and improve your training. If you use it, it is ultimately an investment in yourself and your health. Accessories for Accessory Work Accessory work can get repetitive if all you have is a barbell. A few pieces of equipment can multiply the potential hypertrophy and accessory work you can program. Adjustable dumbbells allow you to add dumbbell variations and accessory lifts without taking up a ton of space (and saving money compared to a full set of dumbbells). Not only can you perform dumbbell variations of the main lifts, you can also perform more accessory work that you simply cannot perform with barbells (e.g. dumbbell flies or lateral raises). A similar example of helpful strength equipment is a pulley system. This enables lat pull downs as well as using the pulley system for hypertrophy work (triceps, biceps, etc.). The last helpful items that focuses primarily on the upper body is getting a dip attachment to your power rack or an adjustable bench. They allow variation for pressing movements, and you can also perform accessory lifts on the bench. Enabling lower body accessory work comes in handy as you become more advanced, as deadlifts and squats don't only get repetitive but if you face a big injury, you might not be able to perform one or both of these lifts for awhile. Some helpful strength equipment for this area are a reverse hyper, glute ham raise, or leg extension/leg curl attachment. Some of these take up a lot of space, but getting just one of them can provide additional leg stress and make a big difference in your lower body training. Supplying Supplemental Lifts This might be the widest area, as we're talking about different types of barbells and other items that can modify the main lifts. A deadlift bar can really help your deadlift 1RM, as it has a smaller diameter and more whip (which reduces the range of motion). An axle bar for the press or bench press reduces your ability to grip the bar but enables good pressing variants. It is also necessary if you're considering Strong Man training. Getting a slingshot or board attachment can help overload the bench and work on the top portion of your bench. The slingshot can also help if you have shoulder pain. Bands and chains are helpful strength equipment that enables accommodating resistance. The safety squat bar and football bar (and variations of both) not only add supplemental variations to the lifts but can also prevent pain for the shoulders and wrists specifically. Convenience & Climate The last area of helpful strength equipment includes items that add convenience to your lifting or improve the atmosphere of the gym. The monolift attachment allows you to not have to take a step bar or move the bar from the pins to the shoulders on the bench. It provides the most benefit to the most people for the bench press, as many find it reduces or eliminates shoulder pain. Niki also uses it for the RDL. A deadlift jack makes loading and unloading plates easier for any lift that has the barbell on the ground, especially the deadlift. A 1-arm deadlift jack is smaller and more mobile – you can put it in your gym bag. A 2-arm deadlift jack makes more sense if you have a decent amount of space in your home gym or for public gyms. Wrist wraps & lifting straps help with wrist support or grip support for compression or tension grips. Ammonia or smelling salts help bring focus and intensity to big attempts. Clothes help you feel and perform better. Clothes really are helpful strength equipment. A timer or watch can ensure that you don't waste time in the gym between sets and make the rest time consistent. This is especially important at a public gym or if you're a coach, because the lifter isn't paying you to tell them stories. Last but probably not least for most people is something to help with climate control, specifically heating or cooling your gym. PS - IF YOU'RE INTERESTED IN TAKING ONLINE COACHING FOR A TEST RUN, CHECK IT OUT HERE.  Connect with the hosts Niki on Instagram Andrew on Instagram Connect with the show Barbell Logic on Instagram Podcast Webpage Barbell Logic on Facebook Or email podcast@barbell-logic.com

Want to retire early? Real estate investing might be your best bet. Looking to boost your cash flow and expand your real estate portfolio, too? In today's show, we're sharing how to use home equity to build wealth the RIGHT way, plus the “portfolio architecture” secrets that enable you to retire earlier than you thought. Whether you've got one rental or a hundred or are just starting to dig into real estate investing, we've got the investing information you need on this Seeing Greene to reach true financial freedom. First, an investor sitting on $300,000 of equity asks what he should do: sell his current rental property and buy more OR convert the single-family home into a multifamily investment. The answer isn't as clear-cut as you'd think. Next, we discuss whether ARMs (adjustable-rate mortgages) vs. fixed-rate mortgages are your best bet for a lower mortgage rate. Plus, we'll share the five BIG mistakes new real estate investors can make. Finally, David describes “portfolio architecture” to an investor who wants to retire by age fifty. He CAN get it done, and you can, too, IF you follow David's massive passive income plan!  Want to ask David and Rob a question? If so, submit your question here so they can answer it on the next episode of Seeing Greene, or hop on the BiggerPockets forums and ask other investors their take! In This Episode We Cover How to retire earlier with rental properties by strategizing your “portfolio architecture” Using home equity to invest and whether you should renovate a property or sell it and buy more rentals  Adjustable-rate mortgages (ARMs) vs. fixed-rate mortgages and the “rate roulette” you could be playing Five real estate investing beginner mistakes you should avoid when using the BiggerPockets Forums  How to explode your cash flow by converting your long-term rental into a short or medium-term rental  And So Much More! (00:00) Intro (01:31) Buy More Rentals or Convert Current One? (07:33) ARM vs. Fixed- Rate Mortgages (16:43) 5 Mistakes New Investors Make (21:08) Portfolio Architecture (Retire Early!) (32:05) Moving “Lazy” Equity (42:09) Note Investing 101 (51:12) Starting a Business (53:50) Ask Us Your Question! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-973 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Real estate investing in 2024 isn't as easy as a few years ago. When interest rates are low, housing inventory is high, the economy is booming, and everyone's happy, real estate investors can take considerably more risks with bigger payoffs. But now, only the most savvy investors are finding cash flow, appreciation potential, and wealth-building properties. So, with little hope in sight for lower rates or home prices, how do you ensure you're building wealth, not getting burnt, in the challenging 2024 housing market? If there's one person who knows how to invest during tough times, it's J Scott. He literally wrote the book on recession-proof real estate investing and has flipped, landlorded, and syndicated through booms, busts, and the in-between periods. Today, J is laying down his six rules for real estate investing in 2024, which he's following himself to ensure his portfolio doesn't just survive but thrive, no matter what the housing market throws his way. First, we dive into the factors causing such a harsh housing market and whether J thinks home prices will rise, flatten, or crash. Next, J walks through the six rules for real estate investing in 2024. We'll talk about appreciation potential, rising expenses like insurance and property taxes, the riskiest investing strategies of today, loans that'll put your real estate deals at risk, and why you MUST start paying attention to your local housing laws.  Support today's show sponsor, Rent App: the free and easy way to collect rent! In This Episode We Cover The six rules for successful real estate investing in 2024 from a time-tested expert Inflation, interest rates, home values, and why the housing market has significantly slowed down What rising expenses like insurance premiums, property taxes, and labor will do to your rentals The one thing you CAN NOT assume when analyzing real estate deals (big potential mistake) Adjustable-rate mortgages (ARMs) and why J is avoiding these at all costs Rent control, short-term rental regulations, and housing laws that could put your rentals at risk And So Much More! (00:00) Intro (01:30) What Affects the Housing Market? (11:20) 1. Don't Bet on Appreciation  (15:46) 2. Expect Higher Expenses, Lower Rent (20:37) 3. Know the Risks of Flips  (26:46) 4. Avoid Adjustable-Rate Loans (28:48) 5. Buy What You Can Hold  (33:15) 6. Pay Attention to Local Laws  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-963 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices