Podcasts about affordability

In this episode of "Coaching Healthcare Leaders," Dr. Lisa interviews Dr. Katrina Gipson, Assistant Professor of Emergency Medicine at Emory University and president of the Academy for Diversity and Inclusion in Emergency Medicine. Dr. Gibson shares her leadership journey, commitment to health equity, and efforts to advance diversity and inclusion in medicine. The conversation explores challenges like provider burnout, healthcare access, and systemic inequities. Dr. Gibson offers practical advice on advocacy, self-care, and boundary-setting, emphasizing the importance of rest and community support. Listeners are encouraged to pursue sustainable leadership and explore Dr. Gibson's work on health equity. You can follow more of Dr. Gipson's work by listening to her podcast Culture Shock Therapy Your Health Equity Prescription. Introduction to the Podcast (00:00:02) Dr. Lisa introduces the podcast, its mission, and previews the episode's guest and topics. Dr. Gipson's Background and Leadership Journey (00:01:30) Dr. Lisa reads Dr. Gipson's bio; Dr. Gipson shares her path into medicine and influences on her leadership. Commitment to Health Equity and Social Justice (00:03:28) Dr. Gipson discusses her motivation for pursuing health equity, her experiences as a Black woman in STEM, and resilience. Current Leadership Roles and Day-to-Day Work (00:07:37) Dr. Gipson describes her roles, especially in the Academy for Diversity and Inclusion in Emergency Medicine, and balancing clinical and academic duties. Mentorship and Building the Healthcare Pipeline (00:08:57) Focus on mentorship programs, supporting underrepresented groups, and the importance of diverse healthcare providers. Retention and Promotion in Academic Medicine (00:10:53) Challenges and strategies for retaining and promoting diverse faculty in medicine, and the importance of DEI work. Research, Education, and Advocacy in DEI (00:11:52) The role of research, education, and advocacy in reducing health inequities and empowering communities. Direct Impact on Patients and Communities (00:14:53) How Dr. Gipson's work addresses mistrust, cultural humility, and implicit bias to improve patient care and build trust. Barriers to Care: Mistrust and Social Determinants (00:15:53) Historical and ongoing reasons for mistrust in healthcare among marginalized communities and the impact on care. Suggestions for Improving Healthcare Delivery (00:19:11) Dr. Gipson's ideas for addressing burnout, staffing, and making healthcare more accessible and attractive to providers. Access Challenges and Healthcare Deserts (00:22:54) Discussion of insurance not equaling access, provider shortages, and the impact on patient outcomes. Affordability and Student Loan Forgiveness (00:24:32) The threat to public service loan forgiveness and its impact on diversity in the physician workforce. Advice for Thriving in Advocacy and Leadership (00:26:57) Dr. Gipson's tips for self-care, setting boundaries, and building supportive communities for those in advocacy roles. Closing Thoughts and Resources (00:30:06) Dr. Gipson shares information about her podcast and website; Dr. Lisa thanks her and closes the episode.

In this episode of the Real Estate Pro Show, host Erika interviews Bill Halick, founder of Aceland Mortgage. Bill shares his journey into the real estate and lending industry, discussing his entrepreneurial spirit and the challenges he faced along the way. He emphasizes the importance of understanding different client needs, particularly between first-time buyers and seasoned investors. Bill also addresses the current challenges in the lending market, including affordability and the rise of short-term rentals. He shares valuable lessons learned from his experiences and outlines his future plans for Aceland Mortgage, focusing on helping clients achieve and maintain homeownership. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

We dive into the Affordable Care Act enrollment periods and how to help your clients navigate them!   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: ACA Basics - Knight School Training Takeaways From the 2025 Marketplace Integrity and Affordability CMS Final Rule Register with Ritter Insurance Marketing The Complete Guide to Selling Affordable Care Act Insurance Plans FREE eBook Download The Pros and Cons of Selling Insurance What is the Health Insurance Marketplace?   References: “CMS Finalizes Major Rule to Lower Individual Health Insurance Premiums for Americans.” CMS.Gov, Centers for Medicare & Medicaid, 20 June 2025, https://www.cms.gov/newsroom/press-releases/cms-finalizes-major-rule-lower-individual-health-insurance-premiums-americans. “Cost Changes for Pennie Enrollees Coming in 2026.” Pennie, https://pennie.com/costs/. Accessed 2 July 2025. “Getting Health Coverage Outside Open Enrollment.” HealthCare.Gov, https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/. Accessed 2 July 2025. “Patient Protection and Affordable Care Act; Marketplace Integrity and Affordability.” Federal Register, https://www.federalregister.gov/documents/2025/06/25/2025-11606/patient-protection-and-affordable-care-act-marketplace-integrity-and-affordability. Accessed 2 July 2025. “When Can You Get Health Insurance?” HealthCare.Gov, https://www.healthcare.gov/quick-guide/dates-and-deadlines/. Accessed 2 July 2025.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

The state of the U.S. economy will come into full view this week as a wave of crucial economic data is set for release, including the jobs report, inflation, consumer confidence and corporate earnings. Where is the U.S. in terms of the global economic order? And how did we get to this point? Aya Ibrahim served as senior advisor on the Secretary of State's Policy Planning Staff in the Biden-Harris administration, led President Biden's Blueprint for an AI Bill of Rights and Digital Assets Executive Order. She is also a former senior policy advisor at the National Economic Council. Ibrahim joins WITHpod to talk about her view on what Democrats need to do now, the United States' standing in terms of technology, finance and more.

“We're still in an affordability crisis,” Katie Hubbard says, with Existing Home Sales hitting the lowest in “30 years.” She thinks it will be “difficult” to get mortgage rates down to 6%, which would bring “about 160 thousand people” into the market as buyers. Over the next three years, she expects “3% price appreciation every single year.” The Midwest is seeing an “acceleration” in buying, while the coasts are seeing a drop. However, she notes that New Home Sales are cheaper because of builders pushing down prices.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Brendan Appel of The Sons of Speed sits in for Jill this week. Brendan and Tom opened the show by complaining about the extreme heat lingering over the Chicago area. Tom then noted that Jill was correct last week when she suggested that Toyota had a 20-percent stake in Subaru. Tom had suggested a lower figure. Still in the first segment, Brendan and Tom acknowledged the passing of the TLX, Acura's excellent midsize sedan which has struggled in the marketplace for several year. The sporty 4-door will be discontinued after the 2025 model year. Brendan shared details of a video just posted at We Are Motor Drive (host site to the Sons of Speed). Brendan and “Sons” partner Paul Herrold spent time with the all-new, electric, Dodge Charger Daytona sedan. Brendan and Paul were generally delighted with the new Dodge EV, but have some thoughts on how Dodge can make the vehicle more generally appealing. In the second segment, Brendan and Tom welcome Ram Executive Vice President of Retail and Commercial Demand, Nate Buelow to the show. Nate updated the hosts on a number of important changes to the Ram line, including a new drivetrain warranty, more-affordable trim levels, and the return of the Hemi V8 engine. Nate also discussed Ram's return to the NASCAR Craftsman Truck Series for 2026. In the last segment, Brendan is subjected to Tom's “Dodge!” quiz, and someone mentioned the Chrysler Cordoba. 

TMIREI dives into July's seismic market events, from tax victories and broker defiance to massive fraud, floods, and innovation. Discover how investors can pivot fast to stay ahead and turn chaos into opportunity.See full article: https://www.unitedstatesrealestateinvestor.com/this-month-in-real-estate-investing-july-2025-power-exodus-scandal-survival-and-scams/(00:00) - Show Introduction and Opening Remarks(00:32) - USREI Commercial Segment(01:26) - UMN Audio Branding Segment(01:40) - Host Introduction and Episode Overview(03:25) - Guest Introduction: Paul Anderson(04:00) - Guest Introduction: James Wang(05:22) - News Discussion: Senate Tax Bill Wins(10:58) - Debate Over NAR and Clear Cooperation(21:56) - Detroit Lawsuit Against Blockchain Rental Firm(30:24) - Regulation and Education in Crowdfunding(33:51) - NYC Mayoral Candidate Promotes Communal Living(41:02) - Policy Versus Politics Debate(46:11) - Accelerated Capital Commercial Segment(47:34) - California Exodus and Relocation Trends(54:45) - Impact of Migration on Local Economies(56:09) - Ponzi Scheme Charges for Flipping NJ(01:00:31) - Jake Paul's $39 Million Ranch Purchase(01:06:55) - Universe Media Publishing Commercial Segment(01:07:23) - Massachusetts Senior Housing Fire Risks(01:15:48) - Devastating Texas Floods and Market Fallout(01:23:44) - New Hampshire Developer Fraud Case(01:28:03) - Fraud Impacts on Investor Confidence(01:30:34) - Humanoid Robots Performing Medical Procedures(01:37:02) - Robotics in Construction and Housing(01:42:15) - Solutions for Housing Shortages and Affordability(01:42:56) - Show Wrap-Up, Guest Contact Info, and ClosingThis month's news items:- Senate Passes Tax Bill With Major Wins- Compass Refuses Clear Cooperation Rule- Detroit Sues Blockchain Rental Giant- NYC Candidate Pushes Communal Living- California Exodus Accelerates- Moguls Rally Behind Adams Amid Threats- NJ Investor Indicted in Multi-Million Scam- Jake Paul Buys Massive Georgia Ranch- Massachusetts Senior Housing Fire- Texas Floods Destroy Homes, Raise Risk- NH Developer Admits to Fraud, Abandons Projects- Robot Performs Medical Procedures RemotelyHosted by the ever-vigilant James A. Brown, the June 2025 episode unravels a head-spinning blend of headlines featuring legislative crackdowns, AI trickery, tech deceptions, tax hikes, and flat-out criminal fraud.Hosted by James A. Brown: https://www.linkedin.com/in/james-brown-303/Guests:Paul Anderson: https://verticalfundingcapital.com/James Wang: https://reai.co/#USREI #TMIREI #JamesABrown #PaulAnderson #JamesWangSee more great content at https://www.unitedstatesrealestateinvestor.com/Catch all USREI content on Real Estate On Air!https://www.realestateonair.fm/

Send us a textEver fantasized about leaving America's polarized politics for New Zealand's pristine landscapes? Before you pack your bags for Middle Earth, listen to the unfiltered truth from two expats who took the leap without ever visiting first.My husband, Pavel, returns and we chat with our friends Alex and Andy, who each moved to New Zealand, and reveal what actually happens when you trade global chaos for Kiwi calm. Their stories expose surprising realities about life in New Zealand – from the genuine shock of walking out of a hospital without paying a cent to the refreshingly straightforward tax system that eliminates the annual stress of filing returns. The conversation tackles everything from employment security and distinctive Kiwi communication styles to the significant challenges of being a 30+ hour flight away from family emergencies.Beyond the stunning scenery that captured Peter Jackson's imagination lies a functioning democracy where innovative engineering thrives in isolation. The "figure it out" mentality has created a culture that values practical problem-solving over specialization, while also embracing a more relaxed attitude toward perfectionism. Want a perfectly manicured lawn? New Zealanders couldn't care less.But it's not all smooth sailing in this distant paradise. Alex and Andy candidly address the reality of being on "an island at the bottom of the Pacific" – the reduced availability of international products (particularly Mexican food), the higher-than-expected cost of living, and the genuine isolation that comes with this geographic remoteness.Whether you're seriously considering a move abroad or just curious about alternative living arrangements in uncertain times, this episode offers practical insights and unexpected perspectives on finding your place in a country that values calm over chaos and community over culture wars. -------------------------Follow Deep Dive:BlueskyYouTube Email: deepdivewithshawn@gmail.com Music: Majestic Earth - Joystock

In this episode of the Real Estate Pro Show, host Erika speaks with Chris Hardiman, a seasoned professional in the lending and private capital space. Chris shares his journey from a young age in the mortgage industry to founding Fusion Home Loans, an independent mortgage bank. They discuss the current challenges in the lending market, particularly around affordability for borrowers, and the importance of networking in real estate. Chris emphasizes the need for hard work and dedication in navigating the current market and outlines the unique aspects of Fusion Home Loans that set it apart from competitors. The conversation concludes with Chris's vision for the future growth of his company. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

This week's Friday Five is a mini-explainer on ICHRA: the Individual Coverage Health Reimbursement Arrangement. Learn more about this type of coverage and partnership opportunities for Ritter Insurance Marketing agents to offer it.   Have questions about ICHRA or QSEHRA? Send them our way by email ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Things From the 2025 Budget Reconciliation Bill 2026 Midwest D-SNP Market Opportunity Community Engagement & ACA Marketing Suggestions Field Notes on Partner Marketing Resources How an ICHRA Partnership Can Support ACA Sales What is the Health Insurance Marketplace?   References: “6 Reasons to Appreciate All That ICHRAs Have to Offer.” Nexben.Com, Nexben, 24 June 2025, www.nexben.com/blog/6-reasons-to-appreciate-all-that-ichras-have-to-offer. “A Broker's Guide to ICHRA Defined Contributions: Strategies, Affordability, and Examples.” Nexxben.Com, Nexben, 17 July 2025, www.nexben.com/blog/a-brokers-guide-to-ichra-defined-contributions-strategies-affordability-and-examples. Charaba, Chase. “A Look at the Growth of ICHRA.” Remodelhealth.Com, Remodel Health, 21 May 2025, remodelhealth.com/a-look-at-the-growth-of-ichra/. “Defining ICHRA Classes.” ICHRA.Com, ICHRA, 7 Apr. 2025, ichra.com/ichra-and-employee-classes/. Olsen, Emily. “Employer Healthcare Costs Projected to Rise 9% in 2025: AON.” Healthcaredive.Com, Healthcare Dive, 19 Aug. 2024, www.healthcaredive.com/news/employer-healthcare-costs-increase-2025-aon/724505/. “Growth Trends for ICHRA & QSEHRA Volume 4: 2024-2025.” Hracouncil.Org, HRA Council, 17 June 2025, www.hracouncil.org/resources/FINAL%20-%202025%20HRAC%20Data%20Report.pdf. “HRA Council.” Hracouncil.Org, HRA Council, www.hracouncil.org/. Accessed 22 July 2025. “ICHRA Guide for Individual Coverage HRAs 2025.” Takecommandhealth.Com, TakeCommand Health, 10 June 2025, www.takecommandhealth.com/ichra-guide. Cattanach, Jamie. “ICHRAs Are on the Rise. Here's What You Need to Know about This New Coverage Option.” Valuepenguin.Com, ValuePenguin, 24 June 2025, www.valuepenguin.com/news/ichra-increasing-in-popularity. “Individual Coverage HRA (ICHRA) Basics for ACA Agents.” Healthsherpa.Com, HealthSherpa, blog.healthsherpa.com/agents/agent-ichra/. Accessed 21 July 2025. “New: 2025 HRA Council Data Report.” Hracouncil.Org, HRA Council, www.hracouncil.org/report. Accessed 22 July 2025. “New Data Shows Continued Expansion of Health Reimbursement Arrangements: Latest HRA Council ICHRA & QSEHRA Report.” Hracouncil.Org, HRA Council, 17 June 2025, www.hracouncil.org/resources/2025%20HRA%20Council%20Data%20Report%20News%20Release.pdf.  “The Power of an ICHRA: ICHRA Benefits for Employees, Employers, and Brokers.” Nexben.Com, Nexben, 17 Apr. 2025, www.nexben.com/blog/the-power-of-an-ichra-ichra-benefits-for-employees-employers-and-brokers.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance       Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel    Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/    Not affiliated with or endorsed by Medicare or any government agency. 

Affordability and "weaponization" of the justice system...

Today, Move Smartly editor Urmi Desai discusses a key hot topic in Canadian real estate with co-host John Pasalis of Realosophy Realty in Toronto. In the last few years, we have been told by experts and advocates that removing all barriers to supply — including taxes, zoning and other government regulations — is the key to restoring housing affordability as builders will build, build, build enough homes to restore supply and demand balance — resulting in falling prices. But now that home prices and rents are finally falling in Ontario and BC, housing starts have come to a standstill. Why do we believe developers would keep building amidst falling prices? Follow John x-twitter: https://x.com/JohnPasalis, Instagram @john.pasalis or email: askjohn@movesmartly.com Follow the show on x-twitter: @MoveSmartly, Instagram @move.smartly, or email: editor@movesmartly.com  About This Show The Move Smartly show is co-hosted by Urmi Desai, Editor of Move Smartly, and John Pasalis, President and Broker of Realosophy Realty. MoveSmartly.com and its media channels on YouTube and various podcast platforms are powered by Realosophy Realty in Toronto, Canada. You can also watch this episode on our MoveSmartly YouTube channel here: https://www.youtube.com/movesmartly If you enjoy our show and find it useful, please like, subscribe, share, review and comment on whatever platform you are watching or listening to us from - we appreciate your support!

If you're interested in property you've probably noticed it's a confusing time out there . Interest rates are falling, but there are mixed messages about how many rate cuts we are going to get. Population growth is surging, but we're not building enough homes. The media is full of mixed messages, and many would-be investors are paralysed by uncertainty. That's why in today's show, Brett Warren and I explain the nine biggest influences shaping our property markets in 2025 and beyond. We discuss the real levers behind market movements, and we also reflect on what history tells us about these influences —and how savvy investors can position themselves ahead of the curve, while others sit on the sidelines. So, whether you're a seasoned investor or simply trying to make sense of this changing market, today's discussion will provide you with clarity, confidence, and a distinct strategic advantage.   Takeaways  ·         There's a confusing time out there regarding property investment. ·         Understanding homeowner behavior is crucial for investors. ·         Current supply shortages are significant and growing. ·         Affordability issues are impacting many potential buyers. ·         Consumer confidence plays a vital role in market dynamics. ·         Strategic investment is essential in a changing market. ·         Increased buyer confidence is being observed in the market. ·         The lack of supply is creating a perfect storm for property values. ·         Interest rates and economic factors are influencing buyer behavior. ·         Investors should act early to capitalize on market opportunities.   Chapters  00:00 The Illusion of Truth 01:38 Understanding the Current Property Market Dynamics 04:31 Demographic Shifts and Housing Demand 06:56 Supply Challenges in the Housing Market 09:43 The Impact of Interest Rates on Affordability 12:40 Government Policies and Their Effects 15:32 Consumer Confidence and Market Trends 18:12 Strategic Insights for Property Investors   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·         Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. ·         Everyone wins a copy of a fully updated property report – What's ahead for property for 2025 and beyond.     Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us Michael Yardney – Subscribe to my Property Update newsletter here  Brett Warren - National Director of Property at Metropole   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

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This podcast is brought to you by Outcomes Rocket, your exclusive healthcare marketing agency. Learn how to accelerate your growth by going to⁠ outcomesrocket.com Patients are now the fastest-growing payer group in healthcare, and providers must adapt their financial strategies accordingly. In this episode, Dugan Winkie, Head of Commercial Strategy for Cedar, addresses the growing healthcare affordability crisis, fueled by the rise of self-pay patients and high-deductible health plans. He introduces Cedar's AI agent, Kora, which helps reduce billing-related inbound calls by up to 30% through personalized, data-driven support that integrates with payors, HSAs, Medicaid, and more. Dugan stresses that as patients bear more of the financial responsibility, health systems must move beyond generic portals and adopt tailored billing strategies. He advises CFOs to view patients as key financial stakeholders and to partner with AI vendors who can prove real-world impact, not just promise innovation. Tune in and learn how smarter financial engagement and actionable AI can help health systems survive tighter margins and better serve their patients! Resources: Connect with and follow Dugan Winkie on LinkedIn. Follow Cedar on LinkedIn and explore their website! Listen to Dugan's previous episode on our podcast here!

In this week's episode, host Daniel Raimi talks with Diana Hernández, an associate professor and codirector of the Energy Opportunity Lab at the Center on Global Energy Policy at Columbia University, about the struggles that ordinary Americans face in accessing affordable and reliable energy. In her recently released book, Powerless: The People's Struggle for Energy, Hernández documents how energy insecurity affects people across the country and analyzes policy solutions that can help address the challenge. Hernández explains the interconnections among housing, public health, and poverty through stories which highlight the highly personal nature of energy insecurity and the difficult choices many Americans must make between essential expenses. Hernández then outlines potential improvements to existing energy-assistance programs, including increased support for year-round energy expenses and program adaptations to accommodate a changing climate. References and recommendations: “Powerless: The People's Struggle for Energy” by Diana Hernández and Jennifer Laird, https://www.russellsage.org/publications/powerless “Abundance” by Ezra Klein and Derek Thompson; https://www.simonandschuster.com/books/Abundance/Ezra-Klein/9781668023488 “Plundered” by Bernadette Atuahene; https://bernadetteatuahene.com/plundered/ “Debí Tirar Más Fotos” album by Bad Bunny; https://www.allmusic.com/album/deb%C3%AD-tirar-m%C3%A1s-fotos-mw0004451357

Rates are stuck, debt is exploding, and the dream of homeownership feels more like a financial fairytale. From $120K Bitcoin to $350K starter homes, this episode unpacks the chaos behind today's real estate market with a punch of humor and a dose of hard truth. If you're a Realtor or mortgage pro trying to keep up, this is the episode that breaks it all down.

In this episode, Stephen Martin discusses the critical role of sleep for neurodiverse individuals, particularly those with dyslexia and ADHD. He shares insights from his journey in developing a sleep supplement brand called Added Sleep, emphasizing the need for melatonin-free formulas and the importance of improving sleep quality. Additionally, he introduces the Right Brain Reset community, aimed at providing support and resources for neurodiverse individuals seeking success in various aspects of life.TakeawaysSleep significantly impacts daily performance and mood.Neurodiverse individuals may experience unique sleep challenges.Melatonin may not be suitable for everyone, especially neurodiverse people.Natural sources of sleep aids can be more effective than synthetic options.Improving sleep quality can lead to better overall well-being.A supportive community can help neurodiverse individuals thrive.Short, focused courses are more effective for learning.Affordability is key in providing resources for neurodiverse individuals.Asking for help is essential for personal growth.The Added Sleep supplement aims to address specific needs of neurodiverse brains.Keywordssleep, neurodiversity, dyslexia, ADHD, supplements, Added Sleep, community support, mental health, sleep quality, wellness, adults with dyslexia, support for adults.If you want to find out more visit:⁠⁠⁠⁠⁠⁠⁠truthaboutdyslexia.com⁠⁠⁠⁠⁠⁠⁠⁠Join our Facebook Group⁠⁠⁠⁠⁠⁠⁠facebook.com/groups/adultdyslexia⁠⁠⁠⁠⁠Follow the RightSiders Supplement Journey⁠⁠⁠⁠⁠rightsiders.org/wait-list ⁠

Greg Brady spoke with Jamaal Myers, TTC Chair and councillor for Ward 23, Scarborough North about Creating More Affordable Housing Options in Our Neighbourhoods & Will the Eglinton Crosstown open in September? Learn more about your ad choices. Visit megaphone.fm/adchoices

Greg Brady spoke with Jamaal Myers, TTC Chair and councillor for Ward 23, Scarborough North about Creating More Affordable Housing Options in Our Neighbourhoods & Will the Eglinton Crosstown open in September? Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textWhen Americans consider moving abroad, one of the first questions is often "Can I go somewhere where they speak English?" But, it's not just about avoiding language barriers—it's about finding a place where cultural references, legal systems, and core values feel somewhat familiar during an otherwise challenging transition.Canada, Australia, and New Zealand offer exactly that comfort zone with the added benefits of universal healthcare, stronger social safety nets, and political environments that many find increasingly appealing as American politics grows more divisive. These countries consistently rank among the world's highest for quality of life, environmental standards, and personal safety. They're not utopias, but for many Americans, they represent stability in uncertain times.The reality check? These countries operate sophisticated immigration systems designed to select newcomers based on what they bring to the table economically. Each uses a points-based framework that rewards youth, education, professional experience in high-demand fields, and language proficiency. These systems aren't random—they're strategically crafted to address domestic labor shortages and demographic challenges.The good news: all three countries allow dual citizenship, meaning Americans don't have to surrender their US passports. The challenging news: desire alone isn't enough—you need to match what these countries are seeking. For professionals under 40-45 with college degrees working in healthcare, IT, engineering, education or skilled trades, doors open more easily. For others, creative pathways might be necessary, potentially including study, entrepreneurship, or family connections.Featuring:Brandon MillerAaron Martin-------------------------Follow Deep Dive:BlueskyYouTube Email: deepdivewithshawn@gmail.com Music: Majestic Earth - Joystock

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe [CB] system does not work for the people, today millions of Americans need to work multiple jobs to live. Retail sales rise, experts wrong again, inflation is low, tariffs are working. Trump says that tariffs are going to be used to remove the IRS and remove the income tax. Trump is pushing alternative currencies to replace the Federal Reserve Note. The [DS] narrative is falling apart. They pushed the Epstein narrative and tried to divide the MAGA party, the opposite happened. Trump has now trapped them and beat them at their own game. He has them begging for the Epstein information, he is now going to give it to them, but it's not the evidence that they want. It's going to show how the system blackmails people into doing what they want. The grand conspiracy is being exposed and the [DS] can't stop it.   Economy https://twitter.com/KobeissiLetter/status/1945857311429529743   5.5%, the third-highest in 16 years. At the same time, Americans working primary full-time and secondary part-time jobs surged by 133,000, to 5.05 million, one of the highest levels in history. As a share of employment, this metric sits at 3.1%, in line with the 2008 Financial Crisis peak. Affordability in America is rapidly declining. (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); US Retail Sales rise 0.6% in June vs. 0.1% expected    Retail Sales in the US increased by 0.6% on a monthly basis to $720.1 billion in June, the US Census Bureau reported on Thursday. This reading followed the 0.9% decrease reported in May and came in better than the market expectation for an increase of 0.1%. On a yearly basis, Retail Sales were up 3.9% in June, compared to 3.3% in May. "Total sales for the April 2025 through June 2025 period were up 4.1% from the same period a year ago," the press release read. Market reaction The US Dollar preserves its strength following the upbeat Retail Sales data. At the time of press, the USD Index was up 0.55% on the day at 98.82. Source:  fxstreet.com  Peter Navarro Discusses Why Retail Sales Growth Exceeds all Wall Street Projections, and Prices Continue Dropping Retail sales growth is important because approximately two-thirds of the U.S. GDP growth is driven by consumer sales.  With inflation low, retail sales high, and with a previously reported drop in U.S. imports, the ¹second quarter GDP is likely to be much stronger than anyone previously predicted.  Thus, Peter Navarro is leaning forward against the naysayers. This is essentially a repeat of the 2017/2018 economic outcome from President Trump's first term in office.  The tariffs, which are applied to the ‘cost' side of the dynamic, are mostly being absorbed by major producing nations who are reliant upon export to the U.S. market.  Simultaneously, the tariffs are generating income – essentially exfiltrating foreign wealth and returning those funds to the USA; a complete reversal of the rust-belt dynamic. https://twitter.com/KobeissiLetter/status/1945955921030684832   over 40% of which generated at least $1 billion in revenue in China last year. Additionally, 27% of firms said they moved or plan to move some operations out of China, the most since at least 2016.

▶️ START YOU 7 DAY RESET HERE - www.therebuiltman.com/7dayreset   Porn addiction isn't just real—it's one of the most destructive forces keeping men stuck in mediocrity. Worse than drugs. Worse than alcohol.   Why? Because of the 3 A's that make it deadlier than anything else out there:   Affordability. Accessibility. Anonymity.   In this raw and unfiltered episode of The Rebuilt Man, Coach Frank Rich exposes why porn addiction is hitting men harder than anyone wants to admit—and why breaking free requires more than willpower.   If you've ever wondered why you keep relapsing… Why your drive is gone… Why you feel ashamed, stuck, or secretly powerless… This is your wake-up call.  

The Herle Burly was created by Air Quotes Media with support from our presenting sponsor TELUS, as well as CN Rail.Greetings, you curiouser and curiouser Herle Burly-ites! We'll get right to it, because we've a Member of Parliament today on the pod, and an issue that's not only central in the public consciousness, but urgent in terms of policy making, playing an outsized role in our last election: Scott Aitchison, Conservative critic for Housing. Scott is from Huntsville, Ontario, and opened up on the pod about leaving home at 15 and his journey into public life at the age of 21.And then, a deep conversation on what matters to so many Canadians. The housing crisis. A place to call home. Affordability. Policy to help them get there. But we'll also broaden the aperture and talk party politics, the election just past and get Scott's take on the early moves of the Carney government.Thank you for joining us on #TheHerleBurly podcast. Please take a moment to give us a rating and review on iTunes, Spotify, Stitcher, Google Podcasts or your favourite podcast app.Watch episodes of The Herle Burly via Air Quotes Media on YouTube.

Maureen Kolla is one of the article's co-authors and the lead of the Energy Future Lab's Alberta's Electricity Future initiative Learn more about your ad choices. Visit megaphone.fm/adchoices

Andrew Cuomo is still trying to matter.That's the clearest takeaway from his latest appearance — a campaign reboot so empty and unconvincing it bordered on parody. After blowing a 60-point lead in the Democratic primary for New York City mayor to Zohran Mamdani, Cuomo continues to operate as if he didn't just have — and squander — his best shot. It wasn't a close race. It wasn't an upset. It was a humiliation, and it made Mamdani a star. Cuomo didn't just lose; he handed the spotlight to the person who beat him.What's most baffling is Cuomo's unwillingness to run as anything other than himself. His latest ad is a watered-down version of Mamdani's campaign. Mamdani talked to people across the city about affordability — and even if his ideas were divisive, they were ideas. Cuomo's pitch? Affordability. No vision. No contrast. Just a stale echo of a message he neither originated nor sharpened. If Cuomo wanted to offer something Mamdani couldn't, he had options. He could've leaned into public safety, into the fear felt by many New Yorkers. He could've campaigned from a synagogue, framed himself as the candidate who would safeguard Jewish communities, and tied Mamdani to the left wing of the party in a way that forced a choice. Instead, we got nothing.Politics Politics Politics is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.There's no attack line, no clear point of differentiation. Cuomo could've said: this is de Blasio 2.0. He could've framed Mamdani as a performance artist backed by a failed administration. He didn't. Instead, he gave voters a lifeless, mimicry-driven campaign with no policy edge. And that brings us to what he is actually running on: his name. For a sliver of voters — the “Cuomosexuals” who liked Mario, liked Andrew, maybe even liked Chris — that might be enough. But for everyone else, Cuomo looks like a man clinging to a legacy that no longer serves him.This also highlights why “Stop ‘X' Candidate” movements almost never work. Ego ruins coordination. Eric Adams isn't dropping out — he's the sitting mayor. Cuomo still acts like running is beneath him. Curtis Sliwa isn't a serious enough contender to pull votes in a general election. And despite the specter of Mamdani's ideology frightening national Democrats, no consensus candidate has emerged. If there were a moderate Republican hedge fund type — pro-choice, socially liberal — that person could shake things up. But they don't exist here. Not this cycle.Ultimately, national Republicans are thrilled. They see Mamdani as a gift. Mike Johnson and Donald Trump will seize on his victory to cast New York as the face of socialism in America — a symbol of excess, decline, and failed progressivism. It's a setup for the midterms. They're ready to prey on any misstep, real or imagined. And unless something changes fast, the ‘Stop Zohran' movement isn't materializing. Not because it couldn't — but because no one in the race knows how to make it happen. Cuomo had his chance. He whiffed.Chapters00:00:00 - Intro00:02:37 - Cuomo Stays in NYC Race00:11:36 - Update00:12:05 - Inflation Report00:15:26 - Recissions Package00:18:45 - Israel00:19:55 - Interview with Emily Jashinsky00:59:15 - Wrap-up This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.politicspoliticspolitics.com/subscribe

While college-going rates have increased over recent decades, completion rates have hardly budged. On this episode, Michael and Jeff sit down with one entrepreneur working to change that. Mike Larsson is the co-founder and CEO of Duet, an organization collaborating with an online university to provide on-the-ground coaching and physical space for students. They discuss the role wraparound supports play in supporting more students towards graduation, the keys to reengaging students who have stopped out, the nationwide spread of hybrid models like Duet's, and more.Links We ShareCollege Reimagined by Jon Gabrieli et al.Chapters0:00 - Intro02:12 - The Founding Story of Duet08:53 - Reaching Students with “Some College No Degree”11:23 - A Personal Trainer for College13:17 - Duet's Outcomes17:07 - “The Hard Policy Answer”21:00 - The Growth of Hybrid College24:39 - Affordability, Flexibility, and Disruption29:46 - Leveraging Public-Private Partnerships to Better Serve Adult Learners33:26 - Improving the Outcomes of Community CollegesConnect with Michael Horn:Sign Up for the The Future of Education NewsletterWebsiteLinkedInX (Twitter)Threads  Connect with Jeff Selingo:Sign Up for the Next NewsletterWebsiteX (Twitter)ThreadsLinkedInConnect with Future U:TwitterYouTubeThreadsInstagramFacebookLinkedIn  Submit a question and if we answer it on air we'll send you Future U. swag!Sign up for Future U. emails to get special updates and behind-the-scenes content.

WBBM Noon Business Hour & Midday Host Rob Hart sits down with Dru Wischover of Inspired Title Group to take a look into home ownership & affordability and how it may impact those looking to get a home sooner rather than later.

Send us a textWhat happens when a three-month vacation accidentally becomes a 15-month immersion into island life? For Heidi and Tony, being stranded in the Philippines during the early pandemic lockdowns wasn't just an inconvenience – it became a transformative lesson in what truly matters.In this conversation, we discover how a small Philippine island with unreliable electricity, occasional water shortages, and zero Amazon delivery options became a paradise of sorts. The couple shares how they adapted to "island time," where urgency dissolves and community connections take priority over convenience. Rather than feeling deprived by limited resources, they found themselves liberated from the constant pressure of American consumer culture."We used to talk about new seasons on Netflix," Tony explains. "When we're on the island, we're excited because mango season is coming, or dragon fruit season, or passion fruit season." This shift from digital consumption to natural cycles reveals just how deeply our relationship with time, food, and community can change when we step away from convenience culture.Beyond the practical challenges of conducting business from a time zone opposite the US or figuring out how to ship orthodontic supplies to a remote island, Heidi and Tony discovered something more profound – the creative spark that ignites when you can't simply buy a solution. Cooking became a daily challenge with limited ingredients and just two gas burners. Art shifted from digital to hands-on crafts using available materials. Every interaction with neighbors, market vendors, and local families built meaningful connections that sustained them.Their story raises powerful questions about what we trade for convenience in America. As Heidi notes, "I love island life. I'd take the lack of water, lack of electricity, lack of internet any day over being overwhelmed with choice." Could it be that in gaining instant access to everything, we've lost something essential to human happiness?-------------------------Follow Deep Dive:BlueskyYouTube Email: deepdivewithshawn@gmail.com Music: Majestic Earth - Joystock

Jacob welcomes economic policy expert Mike Konczal for a wide-ranging conversation on American capitalism, industrial policy, and the evolving role of the state. They explore how the Biden administration's economic agenda challenges decades of neoliberal orthodoxy, discuss the implications of increased public investment, and examine what it means to have a “pro-worker” economy. Konczal brings deep insight into the politics and pragmatics of economic reform, offering a nuanced look at the shifting landscape of U.S. economic policymaking.--Timestamps:(00:00) - Introduction and Guest Introduction(00:17) - Disclaimer and Encouragement to Listen(01:13) - Starting the Conversation: Economy and Tariffs(01:34) - Discussing Richard Rorty and Substack(04:31) - The 2025 Tax Act: Key Points and Implications(07:45) - Healthcare Market Rework and Medicaid Cuts(10:57) - Energy Market Changes and Green Energy(13:38) - Immigration Policies and ICE Funding(18:11) - Balancing Criticism with Positive Aspects(27:15) - Economic Shockwaves and the Republican Party(27:39) - Market Reactions and Fiscal Policies(28:30) - Deficit and US Debt Perspectives(30:14) - Healthcare Cuts and Fiscal Impact(34:04) - Tariffs and Market Uncertainty(39:53) - Inflation and Interest Rates(45:54) - Future Economic Strategies and Affordability(52:41) - Concluding Thoughts and Future Outlook--Referenced in the Show:Mike's Website + Book: https://www.mikekonczal.com/--Jacob Shapiro Site: jacobshapiro.comJacob Shapiro LinkedIn: linkedin.com/in/jacob-l-s-a9337416Jacob Twitter: x.com/JacobShapJacob Shapiro Substack: jashap.substack.com/subscribe --The Jacob Shapiro Show is produced and edited by Audiographies LLC. More information at audiographies.com --Jacob Shapiro is a speaker, consultant, author, and researcher covering global politics and affairs, economics, markets, technology, history, and culture. He speaks to audiences of all sizes around the world, helps global multinationals make strategic decisions about political risks and opportunities, and works directly with investors to grow and protect their assets in today's volatile global environment. His insights help audiences across industries like finance, agriculture, and energy make sense of the world.--This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

State energy offices have a delicate balancing act in leading policy, tracking market signals, and encouraging economic development. All that is harder now that load growth is accelerating. David Terry, the president of National Association of State Energy Officials (NASEO) , discusses trends within state energy offices to help get energy onto the grid quickly to grow the economy while meeting community concerns. David and Bryce discuss how new approaches such as grid enhancing technologies, automated load management and long-duration energy storage provide new pathways. Listen in to this insider perspective on how the state energy offices are learning more, planning better and adjusting to new federal energy priorities.

What does today's housing data tell us about tomorrow's economy? On this episode of REady2Scale, Jeannette Friedrich sits down with Lance Lambert, CEO of Resi Club and former real estate editor at Fortune Magazine, to unpack the real story behind housing inventory levels, affordability pressures, and regional price corrections. From Sunbelt softness to generational shifts in homeownership, Lance offers a grounded, data-informed view of where we stand and where we may be headed. Key Takeaways: Inventory is building, but not fully recovered: Active listings have passed one million for the first time since 2019, though total inventory is still below pre-pandemic norms. The increase is driven more by slower sales than a surge in new supply. Affordability remains a constraint: Home prices grew faster than incomes during the pandemic boom. With mortgage rates still elevated, many homeowners are hesitant or unable to move. Underwater mortgages are highly concentrated: While only about 1% of U.S. mortgages are underwater nationally, pockets in the Sunbelt, like Cape Coral and Austin, show higher risk. These cases are mostly limited to 2022 buyers. Regional bifurcation is widening: Sunbelt markets and parts of the West are softening, while many Midwest and Northeast markets are holding firmer due to tighter supply. The “locked-in” effect is real: Homeowners with low mortgage rates are staying put, reducing turnover. The current level of home sales per capita is at a 40-year low. Generational timing is shifting: The average age of first-time homebuyers is now 38, up from 33 just five years ago, driven by both affordability and lifestyle delays. Builders are feeling the pressure: New construction inventory is at a decade high, and developers are relying more on incentives and price cuts to move product. The housing shortage debate is nuanced: Estimates of how short the market is vary significantly. Some regions have a true supply gap, while others show little evidence of shortage when adjusted for population and household formation. What could shift the market: Income growth, rate adjustments, and time-driven lifestyle changes may gradually unlock inventory and restore balance. This episode is a detailed, research-backed conversation for anyone seeking clarity on how structural shifts and economic forces are shaping the future of U.S. housing. Are you REady2Scale Your Multifamily Investments? Learn more about growing your wealth, strengthening your portfolio, and scaling to the next level at www.bluelake-capital.com. Credits Producer: Blue Lake Capital Strategist: Syed Mahmood Editor: Emma Walker Opening music: Pomplamoose *

In this illuminating episode of An Educated Guest, host Todd Zipper sits down with Joe Ross, CEO of Reach University, a pioneering non-profit college. Joe shares his compelling personal journey to education leadership and unpacks Reach University's groundbreaking model, which literally "turns jobs into degrees" to address critical talent shortages, particularly in teaching. He explains the "ABC's" of the apprenticeship degree – Affordability, being Based in the workplace from day one, and earning Credit for learning at work – fundamentally flipping the traditional education pipeline.The conversation delves into how this innovative approach delivers traditional bachelor's degrees for as little as $75 a month (after aid), enabling students to graduate debt-free. Joe provides surprising early data showing that graduates of these work-integrated programs often outperform and have higher retention rates in their jobs. They discuss the systemic barriers holding back apprenticeship growth in the U.S., Reach's vision to scale this model nationwide for 3 million enrollments, and why this "job-first" pathway might be the future of accessible, outcome-driven higher education.Key Takeaways from this Episode:Transforming Education for Shortages: Discover Reach University's groundbreaking model, which "turns jobs into degrees" to directly address critical talent shortages, particularly in the U.S. teaching profession.Debt-Free Degree Pathways: Learn how students can earn a traditional bachelor's degree for as little as $75/month (after aid), making quality higher education genuinely affordable and debt-free.The "ABC's" of Apprenticeship Degrees: Unpack the three core tenets of this innovative model: Affordability, being Based in the workplace from day one, and earning Academic Credit for on-the-job learning.Superior Outcomes from Earn-and-Learn: Hear surprising early data indicating that graduates of these work-integrated programs often perform better in jobs and have higher retention rates with employers compared to traditional graduates.A National Catalyst for Apprenticeship Growth: Explore Reach University's ambitious vision to scale this model nationwide, aiming for 3 million apprenticeship degree enrollments in the U.S. within a decade across various high-demand fields.About Our Guest:Joe Ross is the CEO of Reach University, a non-profit college dedicated to advancing the apprenticeship degree. His work focuses on creating accessible, affordable, and work-integrated pathways to high-demand careers, particularly in education and healthcare.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at home affordability outside of housing prices. Plus, Robbie sits down with EPM's Eddy Perez to discuss a variety of topics, from meaningful awards in the mortgage industry to various lending strategies to potential avenues for disruption that can help lenders win market share. And we close by examining what tariffs are doing, or not doing, to market sentiment.Thank you to Truework, the only all-in-one, automated VOIEA platform that helps mortgage providers achieve up to 50% cost savings with an industry leading 75% completion rate.

Denver Mayor Mike Johnston, in an interview for the Mayor's Desk series, details work on housing affordability, homelessness, and other growing pains amid the city's increasing popularity. Solutions include reducing building costs, incentivizing new construction, and taking better advantage of the metro region's extensive light rail network for transit-oriented development.

The people chime in on how expensive it is to be a sports fan and the NIL angle to this as well.

The Australian property market has been anything but predictable in recent years - booms, corrections, interest rate hikes, and a housing supply crisis have kept everyone on their toes. But what lies ahead? In today's episode I'm joined by Dr Nicola Powell, Chief of Research and Economics at Domain, to unpack their latest Price Forecast Report for the 2025–26 financial year. This isn't just another forecast - we take a deep dive into how affordability, population growth, government incentives, and even the psychology of homebuyers will shape our markets in the year ahead. Whether you're a seasoned investor, a first-home buyer, or just a curious observer of our housing rollercoaster, you'll get real insights into where property values are headed, which cities are poised to outperform, and how you can navigate, or capitalise on, what's coming next.   Takeaways  ·         The property market is experiencing a transition with varying growth rates across regions. ·         Interest rates significantly influence property values, especially in major cities. ·         First home buyers face challenges in accessing the market due to high prices. ·         Population growth remains strong, impacting housing demand. ·         Government policies play a crucial role in shaping market dynamics. ·         Rental markets are currently favoring landlords, but growth rates may slow down. ·         Melbourne is expected to see significant price growth in the coming year. ·         Affordability issues persist, particularly in high-priced markets like Sydney. ·         The cash rate's stability is a key concern for future market performance. ·         Understanding market dynamics is essential for making informed investment decisions.   Chapters  00:00 Market Overview and Price Forecasts 02:38 Melbourne's Market Potential and Price Predictions 13:16 Sydney's Performance and Affordability Challenges 15:54 Brisbane's Growth and Infrastructure Impact 18:47 Perth's Market Slowdown and Future Outlook 21:19 Adelaide and Canberra's Market Trends 24:11 Rental Market Insights and First Home Buyer Support 26:59 Navigating the Unpredictable Australian Property Market   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·        Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. ·        Everyone wins a copy of a fully updated property report – What's ahead for property for 2025 and beyond.     Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us Michael Yardney – Subscribe to my Property Update newsletter here Dr Nicola Powell, Chief of Research and Economics at Domain Domian Property Forecast Report:  https://propertyupdate.com.au/australias-housing-market-fy25-26-a-new-chapter-of-growth-balance-and-challenge/   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au    Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.  

In this week's Vancouver real estate update, we dive into the latest data and indicators painting a complex picture of the market. We start with the Housing Affordability Index, a measure of median household income against mortgage payments, taxes, and utilities. According to this index, Canadian homes have never actually been considered affordable—not once in the last 40 years. The most affordable period came in the late 1990s, when the metric dipped to 34%, just shy of the “ideal” target of 33%. Today, affordability sits at 55%. While that's a meaningful improvement from the record high of 63.5% in Q4 2023, it still remains well above the threshold of sustainable home ownership.Interestingly, Canadian affordability is now at the same level it was in 1990—just before a decade-long improvement in affordability followed. Whether or not that trend repeats remains to be seen. RBC's latest forecast doesn't think so. They project affordability will bottom later this year around 52%, then begin worsening again in 2026.On the inflation front, May CPI came in at 1.7%, unchanged from April. This marks the 18th consecutive month within the Bank of Canada's 1–3% target range. Core inflation registered at 2.9%, the upper end of the band but still acceptable. Mortgage interest costs remain a key driver, adding 0.4% to the CPI. It's important to note that most other countries exclude mortgage interest from their inflation basket. Without it, Canada's inflation would have been closer to 1.3%. Rented accommodations contributed 0.3%, but StatsCan's data appears to lag. While they report rents up 4.3% annually, Rentals.ca shows a 3.3% decline in the last year. Turning to interest rate expectations: markets are only pricing in a 30% chance of a rate cut at the July 30th Bank of Canada meeting. And as of now, there is just one more rate cut expected for the remainder of 2025. That outlook has cooled considerably, given earlier projections of more aggressive easing.Now to the July 2025 housing stats. Total home sales in Greater Vancouver hit 2,186 units in June, down 9.5% from last year and a staggering 26% below the 10-year average. It was the second slowest June on record—worse than the Global Financial Crisis and COVID shutdowns. This follows what was already the slowest May on record. The spring market never materialized, and current indicators suggest a muted summer and fall ahead.New listings reached 6,301 in June, up 10% year-over-year but down 5% from May. Inventory sits at 16,852 active listings, down 1% month-over-month but still 19% higher than a year ago and 44% above the 10-year average. At the time of reporting, inventory has climbed to over 18,200 active listings. The Sales-to-Active-Listings ratio remains at 13%—signaling a balanced market—for the 13th straight month. Detached homes are at 10%, townhomes at 17%, and condos at 14%.Prices continue to slide. The Home Price Index (HPI) dropped for the third straight month in 2025, down 0.3% month-over-month to $1,173,100. That puts prices 2.8% lower than one year ago. The median price stayed flat at $985,000, but remains up $70,000 year-to-date. The average price rose $9,000 to $1,275,000, its highest point in 2025, and up $68,000 YTD.The Vancouver housing market remains stable but sluggish and perhaps increasingly so. Affordability is slowly improving but remains historically poor _________________________________ Contact Us To Book Your Private Consultation:

In this episode of The REconomy Podcast™ from First American, Chief Economist Mark Fleming and Deputy Chief Economist Odeta Kushi reconvene season 2 of The REconomy Summer School series with an in-depth discussion of the factors that drive the decision to buy a home – from lifestyle events like marriage, children, and career changes to economic realities like affordability, inventory, and credit constraints – and what that means for today's housing market.

Supply, Stalemate, and Strategy: A Data-Centric View on U.S. Housing with Chris Nebenzahl   Locked-In America: The Housing Market's Great Stall The U.S. housing market isn't just tight, it's inert. As Chris Nebenzahl, Housing Economist at John Burns Research and Consulting, puts it, America is experiencing a “lock-in effect” where millions of homeowners, beneficiaries of sub-3% mortgages from a prior era, have no incentive to move. Transactions, both in the for-sale and rental segments, are stalling. Inventory is constrained by economic rationality, not lack of demand. “The housing market thrives on constant moves,” Nebenzahl says. “But right now, across the housing spectrum, people are locked in.”   The result: record-low turnover in single-family and multifamily rentals, with occupancy propped up by immobility rather than expansion. In such a frozen ecosystem, prices remain surprisingly buoyant despite high rates – a divergence from textbook supply-demand dynamics.   The 5.5% Mortgage Threshold: A Reopening Trigger? The most actionable insight from Nebenzahl's research: housing won't truly unfreeze until mortgage rates return to a “magic number” of approximately 5.5%. That's the psychological and financial line at which the lock-in effect starts to meaningfully ease, based on historical demand models and borrower behavior.   With mortgage rates stuck between 6.5% and 7.5%, this still feels a long way off. Until that number is achieved, or until housing prices decline significantly, mobility will remain stifled. Notably, certain regions such as Florida, Texas, Arizona, and Tennessee are already seeing modest price declines, indicating that some pressure is starting to break through.   But Nebenzahl is clear: this isn't a repeat of 2008. “Nationwide, I think we'll see maybe a 1–2% decline in home values. We're nowhere near GFC territory,” he says. The real estate crash of yesteryear was a systemic event; today's stalling is more friction than fissure.   Bifurcation in Geography and Performance The story of U.S. housing is increasingly one of regional divergence. “It's a tale of two markets,” Nebenzahl observes. Northeast, Midwest, parts of the West Coast: Supply remains tight, pricing is stable or even rising, and rent growth is positive particularly in cities like Boston, Chicago, and San Francisco. Sunbelt metros like Austin, Dallas, Denver, Nashville: Facing ongoing rent declines and incentives as a wave of multifamily supply catches up with (and briefly outpaces) demand. What's driving this? In one word: inventory. “Austin, for example, has seen the most supply as a percentage of existing stock. That's softened rents, even though demand remains strong.”   The Quiet Strength of Rentals Despite oversupply in some markets, multifamily is holding up. Rents have stabilized, absorption remains healthy, and rent-to-income ratios are generally favorable. Nationwide, that ratio sits around 25%, well below the 30% threshold for ‘rent burden.' Even in supply-saturated markets like Austin, ratios hover near 20%, laying a foundation for recovery.   Why this resilience? A few reasons: Affordability gap: With for-sale housing out of reach for many due to both price and interest rates, renting becomes the only viable option. Mobility hedge: In uncertain economic times, the flexibility of a 12-month lease is more appealing than a 30-year mortgage. Demographic tailwinds: New household formation, though potentially threatened by labor market softness, is still skewing towards rentals. “The lion's share of household formation is going into rental,” Nebenzahl says. “Because of affordability challenges, and because people are hesitant to make long-term commitments.”   Cracks in the Foundation: Where Distress May Surface Still, there are stress points, especially in assets underwritten in the froth of 2021. “I'd be watching older vintage assets in oversupplied markets,” he says. “Many of those were acquired with floating rate debt and pro formas that didn't anticipate interest rates going from 0% to 5.5% overnight.”   These deals are now colliding with debt maturities, declining rents, and underwriting models that assumed permanent appreciation. That said, he does not forecast widespread defaults – more likely, selective distress in marginal players.   Risks on the Horizon: Immigration, Labor, and Fragility Beyond rates and rent rolls, Nebenzahl highlights three structural risks that CRE professionals should monitor closely: Immigration policy: Rental demand and construction labor both depend heavily on immigrant populations. Recent restrictions, including H1-B visa tightening and deportations, have had a measurable cooling effect. “Immigrants rent across the income spectrum,” he notes. “A slowdown hits both the demand side and the build (supply) side.” Aging trades workforce: With fewer young workers entering skilled trades, the industry faces a slow-burning capacity problem. The average age of electricians, plumbers, and roofers is steadily rising, and backfilling this labor pool remains an unsolved challenge. Tariffs and supply chain volatility: Tariffs on building materials could push up construction costs 2–3%, and as Nebenzahl notes, those costs would disproportionately impact steel-heavy high-rise multifamily more than low-rise SFR or garden-style.   Monetary Fog: The Fed, Rates, and Global Perception Much of the future, however, depends on interest rates and here Nebenzahl expresses qualified caution. While he believes we are “above neutral” levels now, he doesn't expect a return to near zero interest rates. “Even in a mild recession, I don't see the 10-year Treasury falling below 3–3.5%,” he says.   But more troubling is what he calls the “qualitative fog”: rising geopolitical tension, politicization of monetary policy, and eroding investor trust in American stability. “We're hearing less ‘there is no alternative' about the U.S.,” he says. “Foreign capital is pausing. Not exiting – but pausing.” That loss of automatic confidence in U.S. housing and Treasuries could ripple through cap rates and investment demand far more than a 25-basis-point Fed decision.   What to Watch: Nebenzahl's Key Indicators For professionals managing exposure in this market, Nebenzahl advises watching: Job growth – Still the most reliable proxy for household formation. Household formation – Where people are forming new households, rentals are likely to benefit. Treasury market confidence – A real-time referendum on U.S. economic credibility.   Final Thoughts: Where He'd Put $1 Million Today Asked how he'd allocate $1M today, Nebenzahl doesn't hesitate: “I'd split it between Midwest and Sunbelt rentals, multifamily and build-to-rent.”   He's not holding cash. He's not forecasting a crash. He's betting on rental fundamentals and long-term demographic logic.   “There's dry powder waiting to be deployed,” he concludes. “And multifamily is still one of the most institutionally resilient plays in U.S. real estate.”   *** In this series, I cut through the noise to examine how shifting macroeconomic forces and rising geopolitical risk are reshaping real estate investing.   With insights from economists, academics, and seasoned professionals, this show helps investors respond to market uncertainty with clarity, discipline, and a focus on downside protection.    Subscribe to my free newsletter for timely updates, insights, and tools to help you navigate today's volatile real estate landscape. You'll get: Straight talk on what happens when confidence meets correction - no hype, no spin, no fluff. Real implications of macro trends for investors and sponsors with actionable guidance. Insights from real estate professionals who've been through it all before. Visit GowerCrowd.com/subscribe Email: adam@gowercrowd.com Call: 213-761-1000

Keith discusses the evolution of the real estate market over the past five years, highlighting a 43% price surge from March 2020 to June 2022 due to low mortgage rates, remote work, and government stimulus. By 2024, single-family home prices stabilized, but apartment values dropped by 30%.  Mortgage rates have remained around 6-7.5% for 20 months, with national home prices rising 2% in the past year.  We introduce two listener guests: Josh Fang, a 28-year-old investor who bought five properties using his income from a mortgage loan officer job, and Nate O'Neil, an experienced investor who leveraged his corporate job to fund his real estate portfolio.  Show Notes: GetRichEducation.com/560 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.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai  Keith Weinhold  0:01   Welcome to GRE. I'm your host, Keith Weinhold, over the past five years, the real estate market has changed forever. So what are you supposed to do now? Then I talked to two GRE listener guests back to back. Here's some relatable stories this week on get rich education.    Mid south home buyers. I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis, and have globally attractive cash flows, an A plus rating with a better business bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis. Get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Speaker 1  1:48   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You   Keith Weinhold  1:58   Keith, welcome to GRE from Augusta Maine to Augusta Georgia and across 188 nations worldwide. I'm Keith Weinhold, and you are back inside get rich education if you got trapped in a cave back in 2020, and then you came above ground into the sunlight of 2025 and wondered what happened to the real estate investment market over the last five years. Here's the answer, and what it means to you, even if you weren't trapped in a cave, and I sure hope you didn't have to fight off a bat colony either. During the pandemic housing boom of 2020, to 2022 housing demand soared, in fact, from March of 2020, to June of 2022, prices surged a staggering 43% and rents ballooned too. And that was all amidst a few things, ultra low mortgage rates, a remote work boom and government stimulus. And for many, this unlocked Americans work from anywhere arbitrage. High earners were able to keep their income in, say, New York City or LA, pack up their laptop and head for state income tax free havens like Tampa or Nashville, and builders could not keep up. See housing supply, stock is not as elastic as demand. It's like steering a cruise ship. It doesn't turn out a dime. Inventory was drained, and you know, we had a full on housing supply crash that dipped to its Nadir in February of 2022 but just after that, all types of interest rates spiked later in 2022 to help stifle rising inflation, and what that did is that that quickly quelled homeowner affordability. Return to Office mandates began to gain momentum. National housing demand pulled back a near 180 was quickly underway. Sales volume tanked, and that put a lot of people in the industry out of business, realtors, mortgage loan officers, even furniture companies out of business by 2024 prices in the single family to fourplex space stabilized just with a slow growth rate, but apartment values lost as much as 30% from 2022 to 24 due to devastating interest rate resets under shorter term loans, and meanwhile, the income required to buy a modest starter home rose from 49k in 2020 to 101k last year. That's pretty NAR and the term forever renter became both a meme and a. Reality, and since construction, efforts to build have been uneven, apartment supply actually exceeds demand in a lot of markets, and over in the one to four unit space by adding inventory, there's now 30% more available year over year, but it remains under supplied nationally, especially like I've discussed in the Northeast and Midwest, where building has been meager to completely non existent. That's why it can still feel impossible to find a house in much of Ohio or New Jersey, but you can rent an apartment in Austin, Texas faster than you can get a Wendy's drive through order. Mortgage rates have now stayed in this same range of six to seven and a half for 20 months, and national home prices are up just about 2% in the past year. Now, when Trump began his second term in January of 2025 markets got giddy with business friendly optimism, but this Trump bump that reversed fast when he slapped half the planet with tariffs housing demand cooled again, because no one buys a house when they feel like their job might vanish, alright? So amidst all of that. How do you adjust your strategy with what's changed over the past five years? Well, real estate still pays five ways, and since you're not betting it all on price growth like you would be with most other asset classes, this way, you've always got a side to play with. Affordability down now, rental demand is heating up. With more inventory on the market for you to purchase, there are more motivated sellers, especially those shiny build to rent homes. You do still have to deal with mortgage rates that are higher than they were four or five years ago. Refinance on the rate dips if there's low inflation rates fall if there's high inflation, well, then your debt arose faster. So this is what I mean about you having the ability to play both sides today, and this is big, the number of renter households are at a record high, and they're rising. Landlords are giving fewer concessions. Increasingly, they hold the cards in the single family rental space and annual rent growth is expected to heat up from its current zero to 3% Well, what is next? Short term housing value should stay stable, but not sore, and don't count on a big mortgage rate drop at all for the rest of the year long term, expect more inflation in strong demographic demand. Those things are almost certainties, and that's the good part for real estate investors. So really the overall market report card today, let's grade it out in a report card, sellers are doing just okay. Buyers are strained. First time home buyers are in the worst, the roughest shape. I mean, they grade out at an F single family rental landlords are in good shape because people that want to buy a single family home can't, so they rent apartment landlords, they are strained, and renters are holding steady. They're doing pretty well until steeper rent increases kick in. So really, the bottom line here is that it's been a more tumultuous five years than usual. Housing demand lapse supply and now it's coming closer back into balance today, home prices are stable, the amount of buyers are waning, and the hordes of renters are growing. And where are we today? Well, earlier this month, our president called our Fed chair a numbskull.    Donald Trump  8:56   If we cut our interest by one point for years, we save 300 billion. If we cut it by two points, we save because it's pretty equivalent we're going to save, we're going to spend 600 billion a year. 600 billion because of one numb skull that sits here. I don't see enough reason to cut the rates now.   Keith Weinhold  9:21   oh dear leaving you with a little knee slapper on the five year summary there. Look poor and middle class people feel like everything is expensive. That's because they pay for everything with money they've exchanged their time for. That means they feel like they're paying for everything with their life, because they are and that's exactly why money feels like a scarce resource. Instead, real estate investors pay for things according to what our assets are producing for us and what other people's money is producing for us. And that's why we can pay for what we want, and money feels like an abundant resource, not a scarce one. That's what today's two listener guests discovered somewhere along their path, fueled by this show. Now sometimes I answer your listener questions here on the show when you write into us at get rich education.com/contact, other times, I bring listener guests right here onto the show. That's what we're doing today. Today's both happen to be based in California. The first guest is a young investor, and the second guest more experienced. These were just recorded. Understand they aren't professional speakers. And also, if you bear with a few early audio difficulties with our first guest, you're going to be rewarded with some relatable takeaways. Our first listener guest, Josh Fang, started listening to the get rich education podcast as a college student in 2016 or 17. He first heard episode 84 that's when Robert Kiyosaki made his first appearance here. That episode was called the rich don't work for money. Then he went back to Episode One and listened to them all, 560 episodes. Now let's meet him.   This week's GRE listener guest is a 28 year old real estate investor based out of Irvine, California. That's SoCal, and he has already reached what he calls semi work, optional status, fantastic. He's been a GRE listener since 2017 that was at age 20 when he was a junior in college. The GRE podcast inspired him to become a mortgage loan officer, and he's become a top performer at doing that, originating loans after graduating college. He used the money from that mortgage loan officer job starting at age 22 to buy five income properties, two through mid south home buyers and three elsewhere. By the way. Again, he's 28 now. GRE quite literally shaped his adult life, and having enough passive income to fully retire is pretty much his only goal. Now he's got passion for talking financial freedom through smart borrowing, strategic thinking and action over perfection. Oh, I love that. Hey, welcome to GRE. Josh Fang, thank you for having me. I really appreciate it here on the show, I talk about borrowing and lending a good bit, because if you're gonna make something of yourself, you need to leverage the efforts of others. So tell us about how you got your first job in the mortgage industry and how it set the foundation for your investing journey. Josh,   Josh Fang  12:31   when I graduated, it was really rough. I had a business degree which didn't really open up too many doors. At that time, I couldn't find a job for six months, I was just applying everywhere that I could. Now keep in mind this entire time, I'm looking for a job. I'm listening to your podcast, and you know, how can I the income and the money to purchase some rental properties for some passive income? And one company responded to my resume for a mortgage company. So I was able to get an interview, and I actually got the job by quoting, you know, mortgage guidelines that I learned from your podcast. Your Podcast, such as, for an FHA loan, you need three and a half percent down. For a conventional you need 20% down, just the most basic of the most basic mortgage guidelines. And actually was able to land a job, and in the very beginning, they start you off pretty much. I mean, as a telemarketer, it's pretty rough, long hours, you work weekends, I was making $17.48 at the time per hour, and with that basic income, the 17.48 an hour, I actually was able to buy my first rental property without even the two years work history. And the way I did that was by using my college degree as work history, because there is actually a guideline to where, if you have degree that is in the same field as where you work, it does actually be counting work history. And it was really funny at the time, I was living with my parents, another document that I needed to go through underwriting. I needed a letter from my dad, a signed letter from my dad saying I didn't pay rent because I was living at home. And off that 17.48, an hour, I was able to buy my first rental property. And from mid south home buyers, everyone there was so great. They were so helpful in helping me through the loan process, through selecting a property, and I was able to close. And the time that I bought my first rental I was only 22 years old.   Keith Weinhold  14:20   This is remarkable on a few levels, with just those few lines, about three and a half percent down FHA or 20% down conventional that sounded compelling enough for someone to want to give you an opportunity and then off that modest starting wage, how that really helped you accumulate to buy income property and yeah, when you're buying in those investor advantage places, those prices are low, but that's still pretty remarkable that you were able to do that. So talk to us some more about that, buying your first rental property at age 22 surely younger than most people about that process and the mindset and really that leap of faith that it takes Josh because most people are not doing this.   Josh Fang  15:00   Yeah, absolutely. And I think I had a really big leg up in terms of mindset, because I was starting to listen to your podcast when I was so young, when you're young and you're growing up and you're a young adult in college, you know, you hear from your teachers, your parents, your friends, older people, and they say, oh, invest in the stock market. Buy a primary residence to live in. And the big thing that I learned is I don't live in the same world as the world that my parents grew up in, and I can't invest the same as well. Great point there's, I live in Southern California. The medium house price of where I live in, in the city of Irvine, is $2 million yeah, that's ridiculous. I would never, ever be able to purchase a primary residence out here, and buying stocks are at all times highs. I mean, that's arguable, but I think stocks are quite overfit. So investing there didn't make too much sense. And what you always talked about in terms of building a second flow of income, having that be passive to where I don't need to work regularly, is what really motivated me to move towards that. And in terms of making the first step, I think the most important thing by far, is just setting a goal, saying at least for myself, it was, hey, I want to own a property. I want to provide safe, affordable housing to a tenant, and I want to be able to make money off of that, to where I don't need to do something physically for it every single day. And then after that, it just about taking the steps. The first things first is I reached out to some of the house providers. In that case, it was mid south home buyers, gave them a call, spoke to them, say, Hey, can I please be put on your list? Perfect. Then it was just continuing the work, doing more research, continue listening to your podcast, learn tidbits here and there, lots of Googling, lots of Googling, looking up terms that I didn't understand when I read through the analysis of the property. Hey, what does this mean? What does that mean, Googling it, learning one step at a time. And then when it came time and I was actually receiving properties that I could buy, it was about getting the mortgage, and it was about, hey, let's just move one step at a time. Okay, today I need to get these documents, and the next step, I need to get these documents. And before you knew it, I was signing with a notary closing on my first property,    Keith Weinhold  17:10   the autodidactic approach, meaning the self taught approach, with some assistance from my show. But yeah, oftentimes listening to the show can be the stimulus to make you want to learn more, probably, because I talk about the why for real estate, and if you don't know your why, you won't care about how So Josh, are you doing something that some people do in high cost areas, like you live in in SoCal? Are you renting your own place? And then you provide rental housing to others outside your own area. In investor advantage places is that your setup?   Josh Fang  17:44   100% where I live in Irvine, it is extremely, extremely low crime. Everything's a planned unit development. It is beautiful out here. There's trees, there's lots of different foods from different cultures. I absolutely love living here. The only issue is is it's ridiculously expensive. I live in a very nice luxury apartment complex, and I pay of extremely high rent that normal people probably wouldn't be able to pay. But rather than coming out of my pocket, I use the cash flow for my rentals to pay for my rent over here. So it's kind of like I'm building equity, even though I'm just renting, and I get to live the life that I want to live, where I want to live it, while still being able to invest the proper way. In my opinion   Keith Weinhold  18:26   that's beautifully said and well thought out. And part of doing that, Josh is this borrowing money, which I think to lay people, is scary, and for someone in their 20s to borrow money, that could really bring a good bit of trepidation, because that goes against the grain of what so many people do. But of course, we talk around here about how borrowing money like you have for your rental properties in other states outside California really is not something to fear. So can you tell us more about how you approach that mindset?    Josh Fang  18:57   Absolutely, and it's always hilarious when someone asks you if you if you have any debt, and you tell them $500,000 when you're 23,24 years old, the biggest thing about borrowing money is now, again, there's different types of debt. So I'm not saying, hey, go buy some expensive car that you're going to be backwards on in a few months. Don't get a bunch of credit card debts at 24% interest rates. I'm talking about debt from a with a collateral attached to it, such as a mortgage. The way I like to think about borrowing money is borrowing like a bank, because your money has value. Whenever I have money in the actual bank, it doesn't feel like it, but I'm actually lending money to the bank. They're taking the money that I have deposited and lending it out to other people at higher rate than what they're paying you back. That's how they're actually making the money. I'm thinking like a bank. And of course, that's exactly how it is with borrowing money for rental properties. The interest rate that I have to pay on my mortgage is so much lower than how much income I'm receiving by actually renting it out and providing housing for someone. And then, of course. Tax deductions.   Keith Weinhold  20:00   Sure you're creating arbitrage there when it comes to paying off or aggressively paying down a property. I mean, some protection financially is surely good, but one has to realize that after some point, when you protect you cannot produce another way to say it is if you use your dollar to pay down, then you cannot use your dollar to multiply.   Josh Fang  20:25   I agree with that 100% I couldn't have said it any better.   Keith Weinhold  20:28   You really took action something that a lot of people don't do. I don't think you did right away. You listened to some episodes for quite a while, but you did overcome analysis paralysis at some point. So talk to us about more with that mindset of how you took the first step, even when you're still perhaps a little unsure.   Josh Fang  20:46   I think you say it best, and I know I'm literally taking the words out of your mouth, because, again, I'm a long time listener, but do the right thing before you do things right. Yes, rings so, so, so true. You're never going to be perfect. There's never going to be the perfect property. There's never going to be the perfect deal. Eventually you just have to do it. And again, all it really is is saying, Hey, here's what I want to do, and what are the steps that have to take to get there? If the first actual step, rather than just listening to the podcast or getting more information, if the first step is, hey, I want to get a pre approval. Go ahead and get it done. Reach out to a loan officer, get your pre approval, get the documents needed, get the right information that you need, and then start writing offers on properties, or contacting Keith and his team, their GRE mentoring team, and ask for property values. And once you find one, and again, you're never going to find the perfect property. Once you finally say, hey, this fits enough. Jump on it. You should be excited. I mean, again, once you're doing the right thing, you can learn to do things right. And slowly, kind of say, Hey, I made a small error there. Hey, I made a small error there. But at the end of the day, you move forward and you're ahead of where you started. I think that's the most important thing.   Keith Weinhold  21:59   Yeah. I think uncertainty stops. Some people, maybe even uncertainty with the larger economy. Or maybe people just look for excuses for inactivity. Sometimes there will always be some uncertainty out there. And what you do when you make an offer on a real asset is you just made some certainty in your life. Yeah, just talk to us more about the process of kind of you started with your first property and then growing that portfolio. And what did you learn between the first one in that second, third, fourth and fifth one, where you are now   Speaker 2  22:32   after buying my first one, when I received that first rent check, after that first rental property, my net cash flow after management expenses, putting a little, you know, VIMTIM, keeping an extra 10% away to just keep in the bank in case something came up. I wish cash flowing at the time. $231 doesn't sound like a crazy amount now, but as a 22 year old kid and saying, Hey, I got this $231 without lifting a finger, felt amazing. I had this feeling, I'm out in Southern California. We had this burger chain called in and out. My double double burger and fries combo was about $6 at the time. And I said, no matter how bad things get, no matter how bad things get, that $231 I can buy an in and out meal every single day, as long as I own that property. I just had such an overwhelming feeling of, when can I get the next one? I immediately, immediately reached out to MidSouth like, hey, put me on the list as soon as I have money. You know what? Keith, it got fun. It got fun every time I got an email saying, Hey, here's another property. Like, wow, if I can make this deal work, that's an extra couple $100 I can have at the end of the month every single day. And now I live in my own apartment complex, in a unit in an apartment complex, but at the time, I rented out a room in a house, in a condo, just a single room, and by the time I bought my second rental property, all of my cash flow from my two rentals actually covered the full amount of my monthly rent living out outside of my parents place. And that just felt so so so amazing, because it was like I almost had no overhead. So all the money that I was making for my job was completely disposable that I could use to purchase other rental properties. And that was just such an amazing, freeing feeling to know that no matter what happened, I obviously as long as there's no vacancies or any kind of crazy issues there, that I would still have that flow of income coming in pretty much after buying my first one, all I wanted to do was buy more. Now, a big issue that happened was 2020 and 2021 there was very little inventory, so really tough and slim pickings, and I would have bought a lot more if I could find more deals. And now, thinking back, I should have, if anything, I wish I bought more.   Keith Weinhold  24:50   Gosh, I just love that Josh, that seminal $231cash flow from that first property, and how you rationalize that that could buy you in and out. Meal every single day, all month. If that's what you wanted to do with that first one, that's terrific. And yes, markets change. There's more inventory available now than there was in 2020, and 2021, mortgage rates are surely higher. You don't have as much competition. You might even get a concession or two when you buy since it's a more balanced market today than it was about four years ago, for sure. So every market cycle is different. When you realize you're paid five ways at the same time, there's always one side to play or the other. There's always so many variables that you get to deal with there. Have you had any certain issues with property management, or do you have any mindset about using a property manager remotely. I assume you're using remote management for these turnkey type properties. Is that right?   100% I've actually never physically seen any of my properties. Yeah, what you say is the best, essentially, your team that manages your property is the most important by far. Right? Right now, here's the thing, issues are going to come up. Regardless of what happens. There's always going to be something that breaks. Eventually, there's always going to be vacancy. Eventually there can be natural disasters, something's always going to come up. And the thing is, you can't get angry about the things that you can't control. If there is a vacancy that you know you vetted the tenant properly, and there was nothing to do if there is a natural disaster or if something does break down in your property that you couldn't have expected coming or that wasn't your fault. The biggest thing is, you can't get angry with it. You just have to know that you can deal with it properly, and having a professional team on the other side saying, Hey, we're going to handle it. This is an issue. Here's how much it's going to cost. We got a couple of you know quotes. Please approve one when you get a chance, and knowing that the other side will be able to execute on that and to do it for you, and that you don't have to fly out wherever you own your property and do it yourself physically, or have to call around and find a contractor to do it, it's a huge peace of mind, and having a property manager and a team that you can trust just makes it work. If I couldn't get a property manager that I trusted, I wouldn't own the property in the first place. It's just too much work.   I am the same way. I also have not seen the majority of the properties I own. I've never seen them physically, in person, yeah, having a professional property manager, they provide a buffer, and they help keep this investment unemotional for you. And Mistakes happen when people get overly emotional about their properties. Some people are reluctant to hire a property manager, Josh because they don't want to pay the eight to 10% property management fee, which can actually be a little bit more than that effectively with leasing fees. But people feel that way, as oftentimes they're confining and limiting their search to their own local market, which probably isn't investor advantage. So they don't have enough of a cushion in their pro forma, in their profit and loss statement to pay for a property manager. But when you buy in those investor advantage places where you get that high ratio of rent income to purchase price. There you have the allowance to pay for the manager too,    Speaker 2  28:06   100% and luckily, because I have my foundation of real estate from listen to your podcast, I never even look at a deal without factoring in the fact that there will be management. I have never, ever even possibly considered self managing. It just makes no sense. I'd rather, let's just say it's 10% and a month's worth of lease, which is a little bit on the higher end in terms of management fees, right? Even if I were to do I would factor that in 100% of the time if the deal doesn't work, if it doesn't cash flow, if it doesn't, you know, appreciate a certain amount, if it isn't in my ballpark, with the management fees taken out, that's not even the deal that I'm looking at. It's just too expensive.   Keith Weinhold  28:47   Yeah, that's a great way to think about it, keep it unemotional and make it all relatively passive. I self managed for the first six or seven years of my real estate investing career, but that's because I was only investing in my own local market, and I was thinking small, and I didn't learn about finding the best investor advantaged places nationwide. Well, just as we wind down here, is there any last thing that you'd like to let the audience know or to tell us, I know before we recorded, you had talked about how really, your Daydream is more realistic than you think, and the motivation behind getting started. What do you want to leave with? Josh?   Speaker 2  29:22   You say it after every podcast. Don't quit your Daydream. I've been hearing that for eight years now at this point, and it really is, I don't have a day job. I pretty much only work when I feel like it. The majority of what I've lived off of is the income properties that I've bought and the lifestyle that I've crafted. It's so freeing. No one's telling you what to do. You don't have to go somewhere every day. You can spend time doing what you want. When I first quit my day job, and, you know, went into this semi retirement, I'm not gonna lie, I play video games eight hours a day for months, or maybe a month or two. I don't know if that's the most productive. It. But the fact that I could do that, I could obsess on crazy hobbies for a while was crazy. But one of the most important things to me of being able to reach this point in my life is I'm starting to get a little bit older. I am able to spend time with my family. I am able to spend time with my grandparents, and, you know, just like on a Tuesday or like on a Wednesday, just when nothing's really going on. Just being able to stop by and say hi to my family and spend time with them is something that I'm so blessed to be able to have, and not many people can do. And then the last thing I'd like to say on that is just, there's very small things in the world that a lot of people don't get a notice. Because I feel like everyone's in a rush all the time, and a lot of people are. You know, if you're working 40 hours a week, nine to five, you know, nine to six, there's not much time. But the other day, I was taking a small hike, and I saw a group of lizards. I thought they were cool, so I looked at the lizards. I spent maybe 15 minutes watching the lizards. I wasn't in a rush, you know, I could just enjoy the small things in life, and that's one of the best things in the world to just have that sense of not being in a rush. And I feel like investing in real estate and having that passive income and having that level of freedom. To me, that's what my Daydream is. There's nothing better to me.   Keith Weinhold  31:14   the simple pleasures about not having your time so confined that you could enjoy looking at lizards for 15 minutes. I love the small stuff like that. And does this mean Josh? I mean with five rental properties that you only need to work part time rather than full time, because usually five properties don't allow someone to completely leave the workforce.   Josh Fang  31:32   No, not at all. I definitely do things on the side. I still do loans for friends and family. I do some other stuff on the side, but it's more of that my basic needs are met for the most part.   Keith Weinhold  31:43   That's terrific. You've got more latitude to live and having a life of options Trumps having a life of obligations 100% Well, hey, it's been great hearing your story. Josh, loved having you here on the show you're listening to get rich education. We got to know listener. Guest, Josh Fang more, and we come back with another listener guest, profile, I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Jim Rickards  33:49   this is Arthur Jim Rickards. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  34:05   our next listener guest has an uncanny amount of similarities with me, like me, he was a geography major in college. He had humble beginnings in upstate New York, not far from where I grew up, in upstate Pennsylvania. He's a huge believer in real estate pays five ways, and he loves world travel. His first job out of college was, in fact, traveling the world, playing basketball against the Harlem Globetrotters. We sure don't have that pro basketball part in common. He owns dozens of units across seven states today. He's listened to GRE for six or seven years, and he was a corporate guy living in California who thought the book Rich Dad, Poor Dad was fiction, until he experienced the rapid appreciation of he and his wife's first primary residence. And after that appreciation, he knew he had to acquire more real estate. Prices were too high in California relative to rent, so he. Went out of state, and he had just one property for five years to learn that was pretty similar to me as well. And then he saw tremendous opportunity after the GFC hit in 2008 and that really put him on a path through experience the five ways real estate pays over time, and he became convinced that there's not a better risk adjusted business model that's easily accessible to the average person. Hey, welcome to GRE Nate O'Neil   Nate O'Neil  35:25   Keith, it's great to be here. I've been, as you mentioned, a long time. Listener. Really appreciate the content that you put out, and excited to be on the show   Keith Weinhold  35:32   and you're no longer playing like zero defense basketball against the Harlem Globetrotters. You work in the solar industry now. I know that you sell to single family rental REITs. That's really interesting. And one thing that real estate investing lets people do is think differently about their w2 jobs. So tell us about how that manifests with you. Nate,   Nate O'Neil  35:56   growing up, you know, the first 25 years of my life, 24 years or so, my identity was wrapped up as an athlete, and, you know, something I could really get excited about eventually, that had to come to an end, and started working in the corporate world. So did that for a little while, and got going. It really, you know, didn't resonate with me that much. But, you know, I had a wife, and I had some kids on the way, so had to keep grinding it out. And, you know, as I did that, I discovered real estate, and what really helped me with that was I saw the corporate world began to be a vehicle to grow my real estate portfolio, right? Instead of it being the desk jockey in the cubicle, my corporate job was okay, this is the way for me to raise capital and get the best loans to build a real estate portfolio so, and it's ironic, because as that kind of evolved, I gained, you know, more appreciation for the corporate job, and it didn't, it wasn't so burdensome. And I know there's probably a lot of people out there right that feel that way about their job, but you can probably do a mindset shift and say, hey, you know, this can serve me in other ways and it not be such a grind.   Keith Weinhold  37:03   That's a great way to think about it. While you have that job, it sure is an asset in helping you qualify for loans. Right before I quit my job, I made sure I qualified for as many loans as I could, because I sure would have had a hard time getting them immediately after leaving my job, before I built income or build up passively from something else. It's funny, when you're in the corporate world, you're in this context of normalcy. So many people that you know are working. You're around your coworkers all day. They're working, and if it's something you're not passionate about, yeah, you still don't question it, because it takes on that context for normalcy. But once you leave your job, it feels bizarre that anyone would ever show up and spend five of their seven days and most of the waking hours of those days doing something that they're not passionate about. Now maybe you are passionate about what you do. That's where the mindset that I think through there, but that's a good way to help a person feel a little bit better showing up at their job, even if it is a soul sucking job. Nate. So talk to us about this more with this sort of power of purpose that you had, and when you are working your day job, you probably do some living below your means in the short term, but a lot of people just do that decade after decade and grind it out. So how do you think about that with the mindset in this sort of capital formation stage, in order to acquire more property while you're working?   Nate O'Neil  38:29   Like I said, it was an opportunity that the job became an opportunity to fuel the real estate business, which, as you mentioned, I saw that opportunity in 2009 right when prices were low, when interest rates were low, when there was a bunch of nice new foreclosures on the market, I saw the it created a sense of urgency in me, right? So I was like, All right, let's go to work, because the work's going to drive that capital, and the capital is going to allow us to acquire more and more of this real estate, which is, again, something I was passionate about, because we had this just that one rental for that five year period, I saw the power of what it can do over the long term. And when you have that purpose and that clarity, then all the minor stuff that you can get wrapped around and can kind of slow you down, really doesn't matter you have that big vision and that big goal that you're going after that really kind of drives you    Keith Weinhold  39:20   now, before we got started today, I learned that you have a few ways of thinking about how real estate investors can have their cake and eat it too, more tactically. Here tell us about that. And of course, what is the point of having cake if you can't eat it?    Nate O'Neil  39:33   Yeah, for sure, worked in some different industries and some different companies, and seen a lot of different business models. I've never found anything where you can have kind of both sides of the cookie here, or hack cake eat it too. You can depreciate an appreciating asset. The government allows you to depreciate homes, right? Which gives you a nice tax benefit. The money that I make that my corporate job is taxed at a much higher rate than my real estate income, but yet the asset actually appreciates. Dollars. So you depreciate an appreciating asset. I think people underestimate the power of the 30 year mortgage, right? You can lock in an interest rate today for 30 years, and if interest rates go up, you did a great job. You locked in a great, great rate. If interest rates go down, you're a champion. If you just refinance, when you do a 30 year fixed rate mortgage, the lender is committing to you for three decades, but you don't have to commit to them. So again, have your cake and eat it, too. And then you know the whole return on amortization that you talk about, Keith, yeah, when you get to borrow money that you don't have to pay back, in essence, right? The resident that's in your home is paying that money back. So people think about they hate getting bills in the mail. I actually love getting my mortgage statements in the mail. Every month I go through this little ritual, I look at it, and my process is, wow, how much was that principle paid down? Right? I didn't pay it back, right? The rent payment paid it back. So what other scenario can you borrow money that, quote, unquote, someone else is paying back on your behalf,   Keith Weinhold  41:02   that ROA, that return on amortization, also known as principal pay down. Where, yes, you get that statement every month, and you get to see how much a stranger paid down for your property. It's basically a stranger every month is faithfully funding an illiquid savings account for you,   Speaker 3  41:22   it's just incredible. And then the final way I kind of think about having your cake and eating it too, is, is this HELOC strategy. So over time, as you build equity in your portfolio, you can take out a home equity line of credit, right? And the beauty of a line of credit is you open it up and you don't have to make any payments if you don't use the money. But when there's an opportunity, you can pound for that opportunity. And this is what we did in 2020 and 2021 we acquired some new construction fourplexes with HELOCs. And when in using the HELOC strategy, you're able to use every single dollar to keep the balance low. And what it does is it creates this virtuous cycle of increasing cash flow, because it's a line of credit, and you pay off against that, that line of credit, if you need the money back for an emergency, or if a better opportunity comes up, then you basically just pull more off that line of credit. But if you don't have that opportunity of that emergency, then your money is fully working to keep that payment low, which increases your cash flow, and again, it creates that virtuous cycle of of increasing cash flow, which you can use to pay down the HELOC. Even more   Keith Weinhold  42:29   I see no downsides to getting a HELOC to getting a line of credit against your existing primary residence or your rental properties, whatever they are. It's like this flexible credit card where you're drawing on it with your property as collateral, and it's at lower interest rates than a credit card is going to be. And you also have interest only flexibility, meaning even if you draw against it, and you do have a balance and you need to make a payment, therefore you can pay as little as only the interest portion if you want to. In fact, when I bought my first fourplex in order to fund my second fourplex, I took a HELOC second mortgage off of that first one. Love the HELOC really can't think of any downsides with at least having it there. And then it's up to you as to whether you want to draw against it or not. Absolutely talk to us more about you're another out of state investor based in high cost California. There. It sounds unusual to lay people, but here we are as successful investors owning these properties, typically that we have never seen out of state. Are you in that category as well? And talk to us more about the out of state investing experience   Speaker 3  43:40   I've only ever seen one of the units that I own, the rental units that I own, and I actually think it's a huge advantage, because if you're seeing them driving by them all the time, there's probably little nits that you could point out, and, you know, you get some kind of emotional attachment to them. The way I look at it, it's two things. Number one, it's the spreadsheet behind it, right? What are the numbers behind it? What is my mortgage payment? Is there Hoa, taxes, insurance, all that stuff, and what is my rent? And obviously, I'm all about cash flow, so that rent payment has to cover all the expenses with a little extra. The second piece of it behind the spreadsheet is the person managing it right? And I've been very fortunate over my years of investing to find some really quality property managers who I know I can trust. So, you know, absolutely, I mean, developed an ability to hire the right people to manage the property, and they handle just about everything, and I just need to be there, available for them if they have questions for me or decisions I need to make. Fully trust them. I have only ever seen one of the units that I own, and you know, never really planned to go out and visit them.   Keith Weinhold  44:44   You do like to travel, but just not necessarily to your 200k turnkey single family home in the Midwest, in the south, not where you want to stay. There are some advantages and some disadvantages of owning rental properties, say, four blocks from your home. One of the distinct disadvantages is, yeah, you might get that emotional attachment to it. You might get bogged down in inconsequential things. You might drive by and see that the hedge needs a trim. How much of a problem is that really?   Nate O'Neil  45:14   Exactly it, as long as the spreadsheet behind it is spitting out the right numbers, and you have someone that you can trust that can handle anything that that's major, or any tenant issues that's all that's really relevant.   Keith Weinhold  45:26   Has our investment coaching helped inform you at all? Helped you find properties or give you inside information or access to deals or other support?    Nate O'Neil  45:35   Yeah, I have had a conversation with Naresh. One of your investment counselors doesn't, haven't necessarily acted upon that. But, you know, I can say over the, you know, six to seven years that I've been listening to your podcast just understanding kind of the macroeconomic guests that you bring on in the markets that we believe, you know, are good for investing. Like that, information has been extremely valuable to me over the years.    Keith Weinhold  45:57   Our coaches are really deal scouts here in today's market. For example, things are just so much different than they were during the 2008 GFC years. There are always deals in every cycle. You typically just need to shift and find out where those opportunities are. Are there any specific niches or opportunities that you're exploiting today in this particular cycle? Nate   Nate O'Neil  46:19   yeah. So it's really interesting, and I've been spoiled, right in terms of the times when I did a lot of my acquisition back in 2008 we knew it was good, but looking back, you realize just how good it was at that time, and frankly, now is very challenging, right? I mean, affordability is the worst that's been in 40 years. Yeah, right. So you have to be really creative. You know, one of the things that I did recently was I learned how to do a loan acquisition. So assuming a loan can be very helpful, right where you're not dealing with today's interest rates, you can get yesterday's interest rates on a property. So that's been one thing, and one thing I continue to look at. I also believe that I've been focused on single family in some four plexes. I'm looking at smaller multifamily because what I've learned is there's opportunity when there's debt disruption, right? The great financial crisis happened because there were atrocious lending standards leading up to that time, right? So that opened up a window of opportunity. That opportunity is closed. Acquired some fourplexes in 20 and 21 when interest rates were unbelievably low, right? Basically, the Fed funds rate was basically zero. That kind of unique debt situation allowed me to acquire there and now, right? Since 2022 interest rates spiked so quickly, the way I think about it is the debt disruption period, there's probably some acquisitions that happened with, you know, three to five year short term loans that are going to be coming due, and those acquisition are facing payments that are going to double. So there could be some motivated sellers, not in the single family right, where you have 30 year fixed rate or 15 year fixed rate, but in those small, multi family loans, where they have those short term variable rate debts. So that's kind of how I'm thinking right now.   Keith Weinhold  48:05   That's perceptive. It's something I brought up on the show a month or more ago where apartment buildings have got to bottom out at some point those being sensitive to those shorter term interest rates. Well, Nate, this has really been helpful. You've given our audience quite a few things to think about. Is there any last thing that you'd like the audience to know?   Speaker 3  48:25    We talked a little bit about purpose, like that's very important. There is no better way, in my opinion, to build wealth for the average person, no more predictable way risk adjusted, to build wealth for the average person. You know, for the listeners out there. It's great that you're consuming this content, and if you can find a purpose behind it, then it'll help. And the other thing is, get clarity, right? There's a lot of different things you can do within real estate investing, but get clarity on what works for you. And the way to do that, frankly, is just kind of sit and think, I think, you know, especially in today's day and age, there's so many stimulus coming at us, from social media to everything that there's a risk of not being able to get clear. One of the big things that helped me during that, that period of, you know, 2009 to 2015 when we started to scale, was I was very clear about what we wanted. I had a buy box that was, you know, homes built this millennium B grade neighborhoods, cash flowed $300 or more with no more than 25% down in markets with population growth, job growth and favorable rent to price ratios. And when I was able to communicate with the agents and property managers, I was very clear on what we wanted to do. They had clarity on what they needed to do to help us scale so purpose and clarity.   Keith Weinhold  49:41   That's great guidance a specific Buy Box. Yes, focus is harder to find, and it's really important today. It's amazing. Nate, how much work I get done when my phone is one room away, over on the charger. It's incredible how that works. Well, it's been good to get your insight, and it's been good to talk to a guy. That might know the capital of Argentina much like I know a fellow geography guy and real estate investor. Yeah. I really want to thank you for sharing your insight with the audience today.    Nate O'Neil  50:11   Nate, I hope it's valuable for you in the audience.   Keith Weinhold  50:20   Oh yeah, good, relatable material this week, the first guest, Josh, also talked about how he took out a low interest rate car loan. So he held onto those funds rather than handing them over to an auto dealer, stayed liquid and used it for income property, creating a yield for himself that beat the car loan interest rate pretty smart. And before you do that, you do want to be sure that you've got enough liquidity to serve as debt. And then Nate the second one, the more experienced investor, reminding us that deals are not as good as they were coming off the global financial crisis. And he's right, but I still don't know of a better risk adjusted return today, like me, they both use professional property management. I mean, you do have the option of self managing your property remotely that you get from GRE marketplace. But of all the things in the world that you can learn about, even all the things in real estate investing that you can learn about, is self managing really what you want to spend your finite resource of time learning about. Even if you've got good tenants, you're bringing more intrusion and interruption into your life. Property managers don't just protect your asset, they protect your time. Big thanks to GRE listeners, Josh Fang and Nate O'Neil today until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  51:50   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  52:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   The preceding program was brought to you by your home for wealth, building, get rich, education.com.    

Getting a start in cybersecurity has never been easy — but for today's aspiring pen testers, the entry barriers are even higher than they were a decade ago. In this conversation, Sean Martin and Marco Ciappelli sit down with Greg Hatcher and John Stigerwalt from White Knight Labs to unpack why they decided to flip the script on entry-level offensive security training.Greg, a former Army Special Operations communicator, and John, who got his break as a self-taught hacker, agree that the traditional path — expensive certifications and theoretical labs — doesn't reflect the reality of the work. That's why White Knight Labs is launching the Entry Level Pen Tester (ELPT) program. The idea is straightforward: make high-quality, practical training accessible to anyone, anywhere.Unlike other courses that focus purely on the technical side, the ELPT emphasizes the full skill set a junior pen tester needs. This means not just breaking into systems, but learning how to write clear reports, communicate effectively with clients, and operate as part of a real engagement team. John explains that even the best technical find is worthless if it's not explained properly or delivered with clear guidance for fixing the issue.Greg points out that the team culture at White Knight Labs borrows from his Special Forces days — small, specialized teams where each individual goes deep on a specific domain but works in tight coordination with others. Their goal for trainees mirrors this: to develop focused, practical skills while understanding how their piece fits into bigger, complex attack scenarios.Affordability and global access are key parts of the mission. The team wants the ELPT to open doors for people who might not have thousands to spend on training. By combining hands-on labs, in-depth modules, real-world scenarios, and a tough final exam, they aim to ensure that passing the ELPT means you're truly job-ready.For anyone considering a start in offensive security, this episode is a glimpse into a program designed to create more than just hackers — it's building adaptable, communicative professionals ready to hit the ground running.Learn more about White Knight Labs: https://itspm.ag/white-knight-labs-vukrGuests:John Stigerwalt | Founder at White Knight Labs | Red Team Operations Leader | https://www.linkedin.com/in/john-stigerwalt-90a9b4110/Greg Hatcher | Founder at White Knight Labs | SOF veteran | Red Team | https://www.linkedin.com/in/gregoryhatcher2/______________________Keywords: sean martin, marco ciappelli, greg hatcher, john stigerwalt, cybersecurity, pentesting, training, certification, whiteknightlabs, hacking, brand story, brand marketing, marketing podcast, brand story podcast______________________ResourcesVisit the White Knight Labs Website to learn more: https://itspm.ag/white-knight-labs-vukrLearn more and catch more stories from White Knight Labs on ITSPmagazine: https://www.itspmagazine.com/directory/white-knight-labsLearn more about ITSPmagazine Brand Story Podcasts: https://www.itspmagazine.com/purchase-programsNewsletter Archive: https://www.linkedin.com/newsletters/tune-into-the-latest-podcasts-7109347022809309184/Business Newsletter Signup: https://www.itspmagazine.com/itspmagazine-business-updates-sign-upAre you interested in telling your story?https://www.itspmagazine.com/telling-your-story

Governor Pritzker said the package of bills he signed into law aims to make it cheaper and easier for high school students to apply to college.

Segment 1: Ilyce Glink, owner of Think Glink Media and Best Money Moves, joins John Williams to talk about a new study that shows that in many markets buyers need a $17,000 raise to afford a home, and how many people have a side hustle. Segment 2: Jim Dallke, Director of Communications, TechNexus Venture Collaborative, tells John about two Chicago companies were […]

Episode 126 of the Squeaky Clean Energy podcast features a live recording from the 2025 State Energy Conference. This year, we feature a panel with a few of the region's energy leaders: * Bill Malcolm, AARP, Government Affairs Director - Utilities * Lon Huber, Duke Energy Corporation, Senior Vice President, Pricing and Customer Solutions * Lakin Garth, Smart Electric Power Alliance, Senior Director, Grid Strategy * Matthew Winslow, NC General Assembly, Representative * Jeremy Keltner, Novo Nordisk, Project Manager - Industrial Symbiosis We discuss the fast-changing conversations around load growth and the impacts that meeting demand could have on all customer classes, and the strategies necessary to help ensure we're maintaining affordable electricity rates in North Carolina.  Federal energy tax credit defense action alert: https://p2a.co/wjhjnqx Presented by NC Sustainable Energy Association. Hosted by Matt Abele (Twitter: @MattAbele). Edited by Yash Mistry. Be sure to follow us on Instagram at @nccleanenergy.

Real estate expert Bill Bacque of Market Scope Consulting, whose career has spanned over 53 years in the housing industry, joins Discover Lafayette to discuss real estate trends. Formerly with Van Eaton & Romero—later acquired by Latter & Blum—Bill is now retired, but his passion for tracking housing statistics and analyzing market trends remains strong. In this episode, Bill shares a data-rich, thoughtful overview of how the housing market in Lafayette has evolved and what lies ahead. “If you look at average sales price over the last 50 years, the overall trend has been up,” Bill began. “That being said, there have been periods… where sales and average prices actually drifted downward. But values were always recouped.” Bill dug into what he called the “Covid years,” pointing out the extraordinary surge in home sales from 2018 to 2021. “In Lafayette Parish, we went from 3,380 transactions in 2018 to 4,830 in 2021—a 43% increase.” Much of this, he explained, was driven by families realizing during the lockdown that they needed more space, "after six months of living together with your wife and three children, working out of your house, eating at your house, living in your house. People began to say, I need a bigger place. Maybe double the size." And this phenomenon was coupled with historically low interest rates. “By January of 2021, the interest rate was 2.65%.” But as quickly as the boom came, it corrected. From 2021 to 2024, Lafayette experienced a 34% drop in sales. “We literally gave it all back,” Bill said. “Sales are back to 2018 levels. Statistics through May of 2025 show that we are about equal to where we were in May of 2018." Bill broke down the dramatic rise in average sales prices during COVID, noting that from 2018 to 2022, the average price of a home rose from $223,500 to $285,000, a $50,000 increase in the average cost of a home in four years. However, from 2022 to 2025, the average price has only nudged upward 2.6%, reaching $292,200. “So the average sales price is beginning to stabilize.” He further explained the numbers shared: "I would put some clarification that the average sales price takes into consideration the upper income properties as well as the lower ones. This average sales price includes new construction sales and existing sales. If you back out the new construction sales, the average sales price in Lafayette Parish is about $275,000.00." Photo of Bill Bacque at his home by Leslie Westbrook, Acadiana Advocate. One big issue affecting today's buyers? Affordability. “There's been a significant erosion,” Bill noted, citing both rising home prices and higher interest rates. He shared that the average age for a first-time homebuyer in the U.S. is now 38 to 39 years old—compared to 22 when he bought his first home for under $10,000 in Lake Charles. "What we're seeing on a national standard basis is that the average age now for a first time buyer is 38 to 39 years old. When I bought my first house in 1973, I was 22 years old. That was the thing that happened then. I can't remember what the first house cost, but it was less than $10,000. It was a little bitty house. It was about the size of an apartment." Homeowners insurance is now a major wildcard. “My son found a home under $300,000, qualified, but the deal fell through because insurance added another $500 a month,” Bill shared. This isn't a unique story—buyers across South Louisiana are finding it harder to afford not just a mortgage but the added costs of ownership. We also talked about the evolving design of homes. Post-Covid, people want dedicated workspaces, and Bill said square footage is being used more efficiently. Yet affordability challenges persist. “In 2018, homes under $150,000 made up 24% of our sales. Today, it's 12.3%,” he said. Meanwhile, homes over $300,000 have grown from 16% of sales to 31%. Another key point Bill raised: “The companies are not the brand anymore. The agents are the brand.

Small businesses offering 401(k) plans see 40% lower employee turnover in the first year, yet only 10% receive benefits guidance from their accountants. Justin Kurn explains how Dark Horse CPAs identifies the right triggers, such as growing staff or high turnover, to initiate benefits conversations. Meanwhile, Julia Miller from Gusto breaks down how accountants can help clients navigate the cost and complexity of offering health insurance, retirement plans, and other benefits. The conversation reveals how positioning yourself as a benefits advisor can double or triple your fees while helping clients attract better talent and reduce costly employee churn.Learn more about Gusto https://gusto.com/product/benefitsChapters(00:56) - Meet Our Guests (01:26) - The Growth Story: Dark Horse CPAs' Success (02:04) - Advisory First Approach: Transforming Client Relationships (03:38) - Gusto's Role in Benefits: An Overview (07:37) - Challenges and Solutions: Small Businesses Offering Benefits (10:25) - The Cost and Complexity of Benefits: Breaking It Down (15:00) - Advisory Conversations: Identifying Client Needs (19:23) - Gusto's Support for Accountants: Tools and Resources (25:43) - Affordability and Competitive Advantage (26:40) - Partnering with Gusto for Benefits (28:19) - Gusto's Software Solutions (29:12) - Client Experiences with Gusto (29:52) - Gusto's User-Friendly Platform (39:10) - Implementation and Timeline (47:42) - Increasing Revenue through Advisory Services (49:52) - Conclusion and Final Thoughts Sign up to get free CPE for listening to this podcasthttps://earmarkcpe.comhttps://earmark.app/Download the Earmark CPE App Apple: https://apps.apple.com/us/app/earmark-cpe/id1562599728Android: https://play.google.com/store/apps/details?id=com.earmarkcpe.appConnect with Our Guests:Julia MillerLinkedIn: https://www.linkedin.com/in/julia-g-millerJustin KurnLinkedIn: https://www.linkedin.com/in/justinkurnWebsite: https://darkhorse.cpa/justin-kurn-cro/Connect with Blake Oliver, CPALinkedIn: https://www.linkedin.com/in/blaketoliverTwitter: https://twitter.com/blaketoliver/

Join Sarah for a rundown of this week's updates for insurance agents, featuring her deep dive into the CMS 2025 ACA Marketplace Integrity and Affordability Final Rule.   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Connect With Us On Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Resources: 5 Things About the Insurance License Exam, 1 Year Later: https://lnk.to/asgf20250620 Are You Self-Sabotaging Your Insurance Sales Success? https://ritterim.com/blog/are-you-self-sabotaging-your-insurance-sales-success/ Four Reasons Why Ritter Should Be Your FMO Insurance Agency: https://ritterim.com/blog/four-reasons-why-ritter-should-be-your-fmo-insurance-agency/ How to Build Intentional Value ft. Neil Reich: https://lnk.to/reich2025 Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025 Seven Figures or Bust Episode 79 - What Is CMS Doing? w/ Special Guest Sarah Rueppel! https://lnk.to/qzTwIw Summer 2025 Survival Guide: https://lnk.to/asgf20250606   References: “2025 Marketplace Integrity and Affordability Final Rule.” CMS.Gov, CMS, 20 June 2025, www.cms.gov/newsroom/fact-sheets/2025-marketplace-integrity-and-affordability-final-rule. “2025 Marketplace Integrity and Affordability Proposed Rule.” CMS.Gov, Centers for Medicare and Medicaid Services, 10 Mar. 2025, www.cms.gov/newsroom/fact-sheets/2025-marketplace-integrity-and-affordability-proposed-rule. “CMS Finalizes Major Rule to Lower Individual Health Insurance Premiums for Americans.” CMS.Gov, Centers for Medicare & Medicaid Services, 20 June 2025, www.cms.gov/newsroom/press-releases/cms-finalizes-major-rule-lower-individual-health-insurance-premiums-americans. Minemyer, Paige. “CMS Finalizes Rule Aimed at ‘improper' Sign-Ups on the ACA Exchanges.” Fiercehealthcare.Com, Fierce Healthcare, 20 June 2025, www.fiercehealthcare.com/regulatory/cms-finalizes-rule-aimed-improper-sign-ups-aca-exchanges. Minemyer, Paige. “Democrats Introduce Bill to Establish a Medicare ‘part E' Public Option.” Fiercehealthcare.Com, Fierce Healthcare, 16 June 2025, www.fiercehealthcare.com/regulatory/democrats-introduce-bill-establish-medicare-part-e-public-option. Mercado, Darla. “Fed Decision Recap: Central Bank Signals Stagflation Fears, Powell Says Fed ‘Well Positioned to Wait' on Rates.” CNBC.Com, CNBC, 18 June 2025, www.cnbc.com/2025/06/18/fed-meeting-live-updates-feds-interest-rate-projections-loom.html. “HHS Secretary Kennedy, CMS Administrator Oz Secure Industry Pledge to Fix Broken Prior Authorization System.” HHS.Gov, Department of Health & Human Services, 23 June 2025, www.hhs.gov/press-room/kennedy-oz-cms-secure-healthcare-industry-pledge-to-fix-prior-authorization-system.html. Minemyer, Paige. “Mehmet Oz: Insurers' Prior Auth Pledge ‘an Opportunity for the Industry to Show Itself.'” Fiercehealthcare.Com, Fierce Healthcare, 23 June 2025, www.fiercehealthcare.com/regulatory/oz-insurers-prior-auth-pledge-opportunity-industry-show-itself. “Patient Protection and Affordable Care Act; Marketplace Integrity and Affordability.” Federalregister.Gov, Federal Register, www.federalregister.gov/documents/2025/06/25/2025-11606/patient-protection-and-affordable-care-act-marketplace-integrity-and-affordability. Accessed 25 June 2025. Schneider, Howard. “Powell Repeats Rate Cuts Can Wait as Fed Studies Tariff Impacts.” Reuters.Com, Reuters, 24 June 2025, www.reuters.com/business/powell-repeats-rate-cuts-can-wait-fed-studies-tariff-impacts-2025-06-24/. Simmons-Duffin, Selena. “RFK Jr. and Dr. Oz Say Health Insurers Will Cut Red Tape on ‘Prior Authorizations.'” NPR.Org, NPR, 24 June 2025, www.npr.org/sections/shots-health-news/2025/06/24/nx-s1-5442713/rfk-jr-dr-oz-health-insurance-prior-authorization.   Not affiliated with or endorsed by Medicare or any government agency.

Canadian journalist Nora Loreto reads the latest headlines for Wednesday, June 25, 2025.TRNN has partnered with Loreto to syndicate and share her daily news digest with our audience. Tune in every morning to the TRNN podcast feed to hear the latest important news stories from Canada and worldwide.Find more headlines from Nora at Sandy & Nora Talk Politics podcast feed.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Sign up for our newsletterLike us on FacebookFollow us on TwitterDonate to support this podcast