Podcasts about affordability

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

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 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 […]

Tonight on The Brian Crombie Hour, Brian interviews Dianne Saxe. Dianne Saxe is a Toronto City Councillor, a former environmental commissioner and Green Party candidate, who decided to run for Toronto City Council in Ward 11 after Mike Layton's departure, focusing on climate change and environmental initiatives as her key priorities. She discusses various urban development projects including new parks, housing developments, and healthcare facilities, while emphasizing the need for more affordable housing and improved transit infrastructure. Dianne also addresses broader issues including climate action globally, housing affordability challenges, and the importance of maintaining transparency and accountability in city operations, particularly regarding TTC services and development fees. 

This week your Chef Dwayne Stein explains what home affordability means. Why seller paid concessions is better than lower purchase price.Also Dwayne talks about Student Loans and Buy Now Pay Later syndrome that is sweeping the nation. All that and more on Mortgage Gumbo w/ Dwayne Stein 6/28/25

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.

UCSF's Dr. Rahul Aggarwal explains the role of clinical trials in advancing prostate cancer treatment and how trial design is evolving to match today's more personalized approaches. He highlights how UCSF has contributed to major prostate cancer therapies and emphasizes the importance of genetic and genomic testing in identifying suitable trials for each patient. Dr. Aggarwal explains the different trial phases, clarifies common myths—such as concerns about placebos—and stresses that trials are considered at every stage of disease. He also discusses efforts to improve access, affordability, and diversity in trial participation, including regional partnerships and digital matching tools. The talk encourages patients to be informed and proactive when considering clinical trials as part of their treatment plan. Series: "Prostate Cancer Patient Conference" [Health and Medicine] [Show ID: 40800]

This episode is part of our EEI 2025 highlights series. We were thrilled to be joined live at our annual thought leadership forum by EEI Chair Calvin Butler, president and CEO of Exelon; Entergy Chair and CEO Drew Marsh; and Entergy Louisiana President and CEO Phillip May. These leaders discussed how America's electric companies are enhancing grid resilience while working to meet the growing demand for electricity. Efforts to keep customer bills as low as possible also were front and center throughout the conference. Visit the Electric Perspectives website to read recaps and see photos from EEI 2025.

UCSF's Dr. Rahul Aggarwal explains the role of clinical trials in advancing prostate cancer treatment and how trial design is evolving to match today's more personalized approaches. He highlights how UCSF has contributed to major prostate cancer therapies and emphasizes the importance of genetic and genomic testing in identifying suitable trials for each patient. Dr. Aggarwal explains the different trial phases, clarifies common myths—such as concerns about placebos—and stresses that trials are considered at every stage of disease. He also discusses efforts to improve access, affordability, and diversity in trial participation, including regional partnerships and digital matching tools. The talk encourages patients to be informed and proactive when considering clinical trials as part of their treatment plan. Series: "Prostate Cancer Patient Conference" [Health and Medicine] [Show ID: 40800]

UCSF's Dr. Rahul Aggarwal explains the role of clinical trials in advancing prostate cancer treatment and how trial design is evolving to match today's more personalized approaches. He highlights how UCSF has contributed to major prostate cancer therapies and emphasizes the importance of genetic and genomic testing in identifying suitable trials for each patient. Dr. Aggarwal explains the different trial phases, clarifies common myths—such as concerns about placebos—and stresses that trials are considered at every stage of disease. He also discusses efforts to improve access, affordability, and diversity in trial participation, including regional partnerships and digital matching tools. The talk encourages patients to be informed and proactive when considering clinical trials as part of their treatment plan. Series: "Prostate Cancer Patient Conference" [Health and Medicine] [Show ID: 40800]

UCSF's Dr. Rahul Aggarwal explains the role of clinical trials in advancing prostate cancer treatment and how trial design is evolving to match today's more personalized approaches. He highlights how UCSF has contributed to major prostate cancer therapies and emphasizes the importance of genetic and genomic testing in identifying suitable trials for each patient. Dr. Aggarwal explains the different trial phases, clarifies common myths—such as concerns about placebos—and stresses that trials are considered at every stage of disease. He also discusses efforts to improve access, affordability, and diversity in trial participation, including regional partnerships and digital matching tools. The talk encourages patients to be informed and proactive when considering clinical trials as part of their treatment plan. Series: "Prostate Cancer Patient Conference" [Health and Medicine] [Show ID: 40800]

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

Preston Manning. Bob Rae. Jean Charest. Paul Martin. Former NDP premier of BC, Michael Harcourt. What do they all have in common? Well, they were all part of the now defunct Ecofiscal Commission, which advocated for a carbon price in Canada. Chris Ragan was the chair of that commission. He is also an associate Professor and the founding director of McGill University's Max Bell School of Public Policy. He joins us from beautiful Gimli, Manitoba to look back on the long and strange journey of carbon pricing in this country and what went wrong. See omnystudio.com/listener for privacy information.

Dreaming of a life where your morning coffee comes with a side of tropical birds rather than the military in your neighborhood? You're not alone. As more Americans find themselves struggling with rising costs and political tensions at home, Latin America has emerged as the promised land of affordable living and reclaimed time.Mexico leads the charge as America's favorite escape hatch, with over 1.6 million US citizens now calling it home. With manageable residency requirements—roughly $2,800 monthly income or $45,000 in savings—Mexico offers diverse living experiences from cosmopolitan Mexico City to the beaches of Puerto Vallarta. Healthcare that costs pennies on the dollar compared to the US has many expats wondering why they waited so long, with doctor visits averaging just $30-50 and often available same-day.Costa Rica's "Pura Vida" lifestyle attracts those seeking peace, natural beauty, and a country so chill it abolished its military in 1948. While no longer the budget paradise it once was, Costa Rica offers excellent healthcare, stunning biodiversity, and welcoming communities—even for those fleeing political tensions. As one LGBTQ expat couple shared, "The first note we got back was 'Costa Rica welcomes you and your wife. You'll make great citizens.'"Colombia has undergone a stunning transformation from its narco-state reputation, now offering sophisticated urban living in Medellín (the "city of eternal spring"), colonial charm in Cartagena, and apartments starting at $400 monthly. Other enticing options include business-friendly Panama, budget-conscious Nicaragua, easiest-residency-on-earth Paraguay, progressive Uruguay, affordable Ecuador, culturally rich Argentina, and adventurous Brazil.The real challenge isn't securing visas—it's adaptation. Learning Spanish becomes essential, along with embracing a fluid concept of time where "I'll be there at 10" might mean noon, and bureaucracy follows its own mysterious logic. Most expats discover that what initially frustrates them—the slower pace, the prioritization of relationships over efficiency, the general "mañana" approach—eventually becomes what they cherish most.Featuring:Tim LeffelXanthe and DanaRichard McCollBasil Elzeki-------------------------Follow Deep Dive:BlueskyYouTube Email: deepdivewithshawn@gmail.com Music: Majestic Earth - Joystock

GOV. GREG GIANFORTE (R-MT) TRT: 16:11 56 COUNTY TOUR/AFFORDABILITY/PROPERTY TAXES/VETS/TEACHER PAY

Claire Pedrick engages in conversation with Aiko Bethea about the topic of privilege in the coaching profession. Aiko shares her own journey and insights on the importance of diversity, inclusion, and recognizing power dynamics within coaching relationships.   Key Topics: Aiko's coaching firm centres on representation and accessibility. The significance of creating safe and inclusive spaces for deeper trust and connection in coaching. The role of vulnerability in effective coaching. How diversity in coaching enhances emotional intelligence for clients. The necessity of affordability to ensure accessibility in coaching. Understanding and navigating power dynamics in coaching and broader systems. The vital importance of self-awareness and accountability for coaches. How different perspectives can challenge assumptions and promote growth. Key Takeaways: Representation in coaching truly matters. Inclusive spaces foster deeper trust and connection. Vulnerability is fundamental to effective coaching relationships. Diversity in coaching enriches clients' emotional intelligence. Affordability is key to coaching accessibility. Recognizing privilege is essential for both personal and professional development. Sound Bites: "The coaching relationship is extremely vulnerable." "It's great to be with someone who looks like you." "Not everybody can afford that." "The level of safety is completely different." "Power is like an egg." "We all have very different inner landscapes." "What if what they saying is true?" Contact: Contact Aiko through Linked In  Contact Claire by emailing info@3dcoaching.com  or check out our Substack where you can talk with other listeners. Further Information: Subscribe or follow The Coaching Inn on your podcast platform or our YouTube Channel to hear or see new episodes as they drop. Find out more about 3D Coaching and get new ideas and offers in our weekly email. Coming Up: Rachel Philpotts on Burnout Keywords: coaching, privilege, diversity, inclusion, vulnerability, power dynamics, accessibility, self-awareness, emotional intelligence, community We love having a variety of guests join us! Please remember that inviting someone to participate does not mean we necessarily endorse their views or opinions. We believe in open conversation and sharing different perspectives.  

Growth stocks have far out-performed value stocks in recent years.Similarly, large cap stocks have trounced small caps.Will that dichotomy continue? Or will the pendulum finally swing back to give value & small cap investors their day in the sun?For perspective, we welcome Eric Cinnamond to the program today. Eric is founder and co-CEO of Palm Valley Capital Management.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com#earnings #valueinvesting #growthstocks 0:00 - Acknowledgment of Dave Collum2:20 - Economy and financial markets assessment4:20 - Palm Valley's value investing approach10:02 - Stock market overvaluation and cash strategy15:37 - Potential triggers for valuation correction22:21 - Corporate buybacks' market impact28:01 - Opinion on buybacks' legitimacy31:40 - Defense of value investing35:01 - Affordability crisis and corporate trends41:05 - Wealth inequality and market risks48:18 - Market outlook for 202554:11 - Where to follow Cinnamond's work55:07 - Closing and viewer guidance_____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

This episode was recorded in Reno, Nevada, during the 2025 Western Dairy Management Conference. Dr. Hemme begins with a demonstration of three different-sized glasses of milk representing the daily average dairy consumption in China, Europe, and the world as a whole. He explains that when you make predictions, it's good to identify the two main drivers of uncertainty in your industry. In the case of dairy, he cites whether or not people like dairy and whether or not they can afford it. He goes on to describe the four scenarios that can be created from those main drivers: people like dairy and can afford it, people don't like dairy but could afford it, people like dairy but can't afford it, and people don't like dairy and can't afford it.  (4:05)Walt asks Dr. Hemme to give some perspective on what makes a country a reliable exporter built for the global economy. He gives a unique example of how American football versus soccer compares to exporting dairy from the US to the global market. Matt chimes in with his perspective on how DFA is positioning the industry for exports. He notes that we live in the world of VUCA - volatility, uncertainty, complexity, and ambiguity - and that we have a lot of VUCA happening in the US right now. In general, he's very bullish on our natural resources, management skills, and technical capability in the US dairy industry.  (10:17)The panel discusses who in the world is going to be able to meet the building demand for dairy products, and what the US might need to do to be a major player - in essence, moving from playing football to playing soccer. Dr. Hemme gives culture, policy, and relationship building as potential challenges for the US. (16:37)Matt is encouraged by the new investments in processing plants in the US and looks for a “build it and we will grow into it” scenario as we move forward. Dr. Hemme agrees that the processors are on board. But he wonders about the dairy farm side - no growth in cow numbers, not much growth in production, and breeding so many cows with beef semen makes him think the US is not believing in a growing dairy industry. He also talks about changing interest rates over time and impact on capital management. (25:50)The panel discusses the US milk price compared to the world milk price, the cost of production, and exchange rates. (29:45)Matt gives some perspective on beef-on-dairy. As the beef cycle levels back out and more beef heifers are retained, he forecasts fewer dairy cows being bred to beef semen and an increase in the supply and retention of dairy heifers. (34:31)Dr. Hemme talks about dairy demand and global population growth trends and predictions. (39:38)Panelists share their take-home thoughts. (42:02)Please subscribe and share with your industry friends to invite more people to join us at the Real Science Exchange virtual pub table.  If you want one of our Real Science Exchange t-shirts, screenshot your rating, review, or subscription, and email a picture to anh.marketing@balchem.com. Include your size and mailing address, and we'll mail you a shirt.

In this episode of Breaking Health, host Steve Krupa speaks with Matt Bettonville, investor at Yosemite, about the state of oncology research and his hunt for investments in discovery and treatment tools. Bettonville delves into the key to cancer treatment, where deals are flowing towards in the market, and how the AI revolution is helping with drug discovery and cancer treatment breakthroughs. He also discusses the complications (and frustrations) of making treatments affordable, finding new targets in primary cancers most frequently seen in the population, and the importance of early detection. Links from this episode:  HealthEdgeYosemite  

Covered California is leading the way in making healthcare more accessible and equitable. Under the leadership of Executive Director Jessica Altman, the state's health insurance marketplace has reached nearly 2 million enrollees, setting new records for affordable health coverage in California. In this episode, Jessica dives into how Covered California's innovative outreach, tailored language support, and affordability programs are closing the coverage gap, especially for freelancers, gig workers, and families who often fall through the cracks. Jessica draws on her roots in healthcare policy, shaped by family and her work at the US Department of Health and Human Services, to explain why insurance is so complex and how California's unique blend of state and federal policy makes a real-world difference. We discuss why the “last mile” to coverage is often the hardest, how creative partnerships with community organizations break down language and cultural barriers, and why affordability remains the foundation of any successful health insurance system. This episode also tackles the impact of the Affordable Care Act, the pros and cons of state vs. federal insurance regulation, and what other states can learn from California's investments in outreach, Medi-Cal expansion, and targeted subsidies. Jessica shares real examples of how public opinion around coverage is shifting as families experience the benefits firsthand, and why Covered California's commitment to customer service is rebuilding trust in a system long seen as confusing and impersonal. Join us for this compelling conversation hosted by Christine Winoto of the UCSF Rosenman Institute. Do you have thoughts on this episode or ideas for future guests? We'd love to hear from you. Email us at hello@rosenmaninstitute.org.  

The US is an outlier in health system performance, spending more than other peer countries while performing worse. US economist David Cutler, who is the Otto Eckstein Professor of Applied Economics at Harvard University, discusses this and more with JAMA Health Forum Editor in Chief Sandro Galea, MD, DrPH. Related Content: On Making US Health Care Great and Affordable

Planning for a birth that makes breastfeeding easier? Check out my FREE guide on setting yourself up for breastfeeding success:https://bit.ly/los-birthpractice-workbook---------------------------------In this empowering and compassionate episode of Lo's Lactation Lab, host Lo Nigrosh continues her conversation with registered dietitian Dominique Deslauriers, this time shifting from feeding to fashion and body image in the postpartum period. Together, they tackle the emotional weight of body changes after birth, explore how to redefine personal style at any size, and provide practical, judgment-free advice on dressing to feel good right now. If you've ever struggled to feel confident in your postpartum body, this episode offers insight, empathy, and actionable tools to help.Dominique Deslauriers is a registered dietitian with over eight years of experience, specializing in anti-diet, intuitive eating, and body neutrality. Through her private practice, Happy Valley Nutrition, she works with clients to navigate health and well-being without focusing on weight loss. Dominique blends her clinical training with lived experience as a mother, offering realistic support for those navigating nutrition, body image, and self-acceptance during and after pregnancy.Expect to LearnWhy postpartum body changes can be emotionally challenging, and how to process body grief.How to dress your body now in a way that reflects your personal style and boosts confidence.The difference between intuitive eating, body neutrality, and conventional diet culture.How to shop smartly postpartum on a budget, and why your current body deserves good clothes.Tips for dressing for dopamine, rediscovering your personal fashion, and practical styling strategies. Episode Breakdown with Timestamps[00:00] - Introduction and Postpartum Body Changes[04:06] - Defining Dietitians and Body-Neutral Care[07:06] - Postpartum Body Image Struggles After Birth[10:52] - The Universal Wish to Fit Pre-Pregnancy Clothes[14:04] - Body Grief and Finding Joy in New Style[18:28] - Dressing Tips: Fashion, Function, and Affordability[23:33] - Measuring for Fit and Dopamine Dressing[28:12] - Services and Support Available from Dominique.Follow Dominique Deslauriers:LinkedIn: https://www.linkedin.com/in/dominique-deslauriers-rd-ldn-8237a81a7/Company: https://www.happyvalleynutrition.com/Follow Lo Nigrosh:LinkedIn: https://www.linkedin.com/in/lo-nigrosh-16371495/Website: https://www.quabbinbirthservices.com/Facebook: https://www.facebook.com/quabbinbirthservices/Lo Nigrosh's Story of Postpartum Grief: https://youtu.be/_VI1M777yO8 Listening Links:Apple Podcasts: https://podcasts.apple.com/us/podcast/los-lactation-lab/id1614255223Spotify: https://open.spotify.com/show/2F54fe1szmemB9n7YUJgWv?si=2eea7f1cfba64867YouTube: https://www.youtube.com/@loslactationlab3967Don't forget to subscribe for more episodes on maternal health, breastfeeding challenges, and expert lactation advice. Share your own experiences and tips in the comments below!#postpartumhealing #bodyafterbaby #realmotherhood #postpartumtruth #bodygrief #momidentity #snapbackculture #bodyneutrality #healingtakesgrace #motherhoodunfilteredBecome a supporter of this podcast: https://www.spreaker.com/podcast/lo-s-lactation-lab--5834691/support.

In this episode of Industry Relations, Rob and Greg recap the 2025 NAR Midyear Meetings in Washington, D.C., discussing key industry developments, MLS policy changes, and behind-the-scenes dynamics. Topics include the repeal of the commingling ban, updates to NAR's controversial 10-5 speech policy, and ongoing MLS consolidation. They also cover vendor presence, association politics, and speculation around leadership changes in CMLS.   Key Takeaways   Compass “Protest” at Midyear – Greg recounts organizing a publicity stunt in front of Compass's hotel to promote Tuesday.com  Repeal of Co-mingling Ban – Discussion on how NAR's removal of the commingling restriction could impact listing syndication and MLS relevance. 10-5 Policy Changes – Rob and Greg unpack the revision of NAR's hate speech rule, its political implications, and the proposal for a “conduct unbecoming” clause. MLS Consolidation – A growing theme from the meetings was consolidation, with T3 data showing Bright MLS now leading in subscriber count. CMLS Leadership Transition – With Denee Evans stepping down, the episode explores possible successors and whether CMLS and RESO should consider a merger. Policy Governance Shifts – Signs point to NAR possibly stepping back from MLS policy-making, sparking conversation about which organization might take that role. Vendor and Trade Show Insights – Observations about reduced vendor presence and the challenges for newer tech companies trying to break into the space. Affordability and Market Outlook – Brief discussion on macro issues like tariffs, political shifts, and whether the real estate market is moving toward a buyer's market. LInks Rally for the MLS (video) ZillowGate Van   Connect with Rob and Greg Rob's Website https://notoriousrob.substack.com/ Greg's Website https://www.vendoralley.com/about-2/ Watch us on YouTube Our Sponsors: Cotality https://www.cotality.com/ Notorious VIP https://notoriousrob.substack.com The Giant Steps Job Board https://vendoralley.jobboard.io/   Production and Editing Services by Sunbound Studios

Welcome to this episode of 20/20 Money! My guest on today's show is Dr. Mick Kling, OD.   Mick joins me back on the show to talk about the power of community within the profession and how optometrists can avoid the “race to the bottom” when it comes to pricing by focusing on delivering and communicating value to their patients. We also discuss how to evaluate the affordability of a practice, the tools available to help aspiring owners make informed decisions, the current shortage of associate ODs, and the importance of building strategic partnerships throughout a practice owner's career. Be sure to check out the show notes for a number of helpful resources we reference throughout our conversation.   As a reminder, you can get all the information discussed in today's conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that's filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. Lastly, if you're interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” please check out the link in the show notes of this episode to learn more.   And with that introduction, I hope you enjoy my conversation with Dr. Mick Kling, OD     Resources: 20/20 Money Membership Information OD Masterminds Request Form Adding an Associate Spreadsheet The Buy-In Spreadsheet to help you evaluate whether a practice is worth buying, how much to pay, and what you'll earn (Part of the Toolkit) Vision Source - AOD open positions Adding an Associate White Paper Vision Source Next ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Affordability isn't just about medical bills—it's about addressing what drives health in the first place. When people have stable housing, access to healthy food and support for mental health, they use the health care system less and live healthier lives. In this episode we explore how health care affordability starts far upstream—from food security and housing stability to behavioral health and chronic disease prevention. This episode will spotlight community-based partnerships that Blue Cross Blue Shield of Michigan has invested in to address these social determinants of health and ultimately reduce unnecessary costs across the system. Key Takeaways: · Community health is affordability. · Blue Cross is investing in upstream solutions that work toward health care affordability, access to health care and a healthier Michigan · Partnerships are scalable and sustainable. · Data backs this approach. · The future of affordability depends on partnership.

In this special edition of the Syneos Health Podcast recorded from the floor of Asembia's AXS25 Summit, host Michael Sarshad sits down with Kim Plesnarski, SVP of Market Access and Patient Support Services at Syneos Health and Kelly Carter, AVP of Patient Support at Amgen, to unpack the evolving landscape of patient support. The discussion explores the blurring lines between general and specialty medicine, the growing administrative burden on providers and the need to embed seamless, tech-enabled support into the healthcare journey. The trio dives into the role of Field Reimbursement Managers (FRMs), payer challenges, affordability barriers and how AI and automation are beginning to transform operations—from personalized patient education to proactive intervention. If you're interested in how manufacturers can shift from reactive to proactive models and scale personalized support in an increasingly complex environment, this episode is a must-listen.The views expressed in this podcast belong solely to the speakers and do not represent those of their organization. If you want access to more future-focused, actionable insights to help biopharmaceutical companies better execute and succeed in a constantly evolving environment, visit the Syneos Health Insights Hub. The perspectives you'll find there are driven by dynamic research and crafted by subject matter experts focused on real answers to help guide decision-making and investment. You can find it all at insightshub.health. Like what you're hearing? Be sure to rate and review us! We want to hear from you! If there's a topic you'd like us to cover on a future episode, contact us at podcast@syneoshealth.com.

Tonight, on NJ Spotlight News … DEFUNDING PUBLIC MEDIA …President Trump has asked Congress to slash funding for stations like ours… the fight now heads to Capitol Hill; Plus, NJ DECIDES 2025, with less than one week until primary day, Affordability seems to be the key issue for voters as they head to the ballot box; Also, RISING ENERGY COSTS … the Governor and other legislators announce new solar development plans in an effort to keep utility bills down; And, POLICE SPENDING, a recent Rutgers study finds a correlation between increased police spending for deaths of Black Americans.   

Jim Schloemer, CEO of Continental Properties and chairman of the National Multifamily Housing Council, explains the causes of the U.S. housing crisis and outlines potential solutions. (06/2025)

Jim Schloemer, CEO of Continental Properties and chairman of the National Multifamily Housing Council, explains the causes of the U.S. housing crisis and outlines potential solutions. (06/2025)

Jim Schloemer, CEO of Continental Properties and chairman of the National Multifamily Housing Council, explains the causes of the U.S. housing crisis and outlines potential solutions. (06/2025)

We've been talking about RFK Jr for years, and even dedicated an entire chapter to him in our 2023 book—and we're going to keep covering him. Since his power and influence has only grown, and since he's now in charge of America's entire health apparatus, there's no way to avoid it. This week we catch up on the last few months of MAHA. Derek looks into why he believes Kennedy's apparatus, despite claims of being about health, is really a cover for Project 2025's deregulatory agenda. Julian discusses a recent paper published in the New England Journal of Medicine by Covid contrarians Marty Makary and Vinay Prasad, who now both work under Kennedy. Finally, Matthew will contemplate Kennedy's crude remarks on autism through the lens of disability politics. Show Notes What Has All This Restaurant Food Done to My Gut? Function Health is Another Theranosesque Scam MAHA's Goal Is Not Health: Robert Kennedy's movement promises more privatization RFK Jr. meets with health tech startups, most backed by Andreessen Horowitz COVID infection no longer gives lasting immunity Hybrid Immunity May Be the Key to Developing Better Vaccines Makary, Bhattacharya in New England Journal of Medicine Consequences of Work Requirements in Arkansas: Two-Year Impacts on Coverage, Employment, and Affordability of Care  Concerns About ABA-Based Intervention: An Evaluation and Recommendations - PMC  Adler-Bolton, Beatrice, and Artie Vierkant. 2022. Health Communism: A Surplus Manifesto. Verso Books. SURPLUS. Adler-Bolton, The New Inquiry. October 18, 2022.  Extractive Abandonment - Stimpunks Foundation  Social and medical models of disability and mental health: evolution and renewal - PMC Learn more about your ad choices. Visit megaphone.fm/adchoices

Get More LVWITHLOVE Content at LVwithLOVE.com George Wacker and Jeff Warren are joined by Jill Seitz, Chief Community and Regional Planner at the Lehigh Valley Planning Commission, and Michael Bernadyn, 2025 President of Greater Lehigh Valley REALTORS®, for a deep dive into the region's housing challenges. From outdated zoning laws to increasing demand and shrinking affordability, the Lehigh Valley is at a tipping point. This episode brings together two perspectives—planning and real estate—to talk about how we got here and what needs to happen next. “We have the jobs. We have the economy. What we don't have is enough housing that works for everyone.” — Jill Seitz“If we don't address supply and density issues now, affordability is going to get worse—and fast.” — Michael Bernadyn Watch Episode: https://youtu.be/Smg4Rb1dgFE Thank you to our Partners! L.L. Bean Outdoor Discovery Programs WDIY Lehigh Valley Health Network Wind Creek Event Center Michael Bernadyn of RE/MAX Real Estate Molly’s Irish Grille & Sports Pub Banko Beverage Company Housing Isn't Just a Market Issue. It's a Regional One. Housing is one of the most urgent and complex challenges facing the Lehigh Valley.In this episode of Off the Record, we hear from two people deeply engaged in the work:Jill Seitz, Chief Community and Regional Planner at the Lehigh Valley Planning Commission, andMichael Bernadyn, 2025 President of Greater Lehigh Valley REALTORS®. Listen to the Episodewww.lehighvalleywithlovemedia.com/podcast/housingepisode The numbers speak for themselves. “We're anticipating that we're going to need about 20,000 new units of housing in the Lehigh Valley by 2030. And that's in addition to what we've already got planned and in the works.” — Jill Seitz But this isn't just about building homes—it's about building the right kinds of homes in the right places. “People that live and work in the Lehigh Valley can't always find housing they can afford or housing that suits their needs.” — Jill Seitz “The challenge has always been, and still is, that we have more buyers than we have sellers.” — Michael Bernadyn The Zoning Conversation We Need to Have Much of the region's housing strain comes down to barriers in zoning and local governance. “We have 62 municipalities in the Lehigh Valley. And if you want to build a multifamily development, you've got to go through a very time-consuming process. And there's a lot of resistance.” — Michael Bernadyn “Communities want economic growth… but they don't always want the housing that goes along with that.” — Jill Seitz The solution? A shift in mindset—and a move toward regional thinking. “Housing is not optional. It's not a nice-to-have. It's necessary if we want to keep growing.” — Jill Seitz What's Next? The path forward requires policy alignment, regional cooperation, and a commitment to long-term solutions. “We want to make sure that our municipalities are zoning for all types of housing. And that we're working regionally to make sure there's a place for everyone—whether that's a first-time buyer, someone downsizing, or someone who wants to stay in their neighborhood as they age.” — Jill Seitz “If we don't start having these conversations now, and making changes now, the situation is going to get worse—and fast. But if we do act now, we can start to shift things in a better direction.” — Michael Bernadyn This Episode Matters This conversation isn't just about housing markets. It's about equity, sustainability, and what kind of future the Lehigh Valley wants to build. Learn MoreLehigh Valley Planning Commission → https://www.lvpc.orgGreater Lehigh Valley REALTORS® → https://www.greaterlehighvalleyrealtors.com Listen to the full episodewww.lehighvalleywithlovemedia.com/podcast/housingepisode

In today's episode, Richard covers three critical topics shaping the South Bay and California real estate market this year. First, Richard dives into inventory levels across the South Bay and how they're being impacted by elevated interest rates. Next, he unpacks C.A.R.'s recently published California Housing Affordability Index. Richard breaks down what that means for pricing, and then zooms in on the real numbers for the South Bay. Finally, he shares anecdotal evidence from his own recent transactions, including deals in Golden Hills, San Pedro, and two new standout listings in the Manhattan Beach Sand Section, to illustrate how these affordability metrics play out in the real world. If you're trying to make sense of today's market, this episode will give you both the numbers and the nuance. For more South Bay real estate insights, subscribe to Richard's weekly blog at https://haynesre.com/blog

Need a pothole fixed or want extra signage in your neighborhood, but don't know where to start? Weston Clark, community outreach director for the Salt Lake City Mayor's office, and executive producer Emily Means create a practical how-to guide to getting things done in your city.  Resources and references: Check out the mySLC App.  Plus, who to call for even more problems in your neighborhood. [Hey Salt Lake] Is Historic Preservation a Tool for NIMBYs or Affordability? [City Cast Salt Lake]  Get more from City Cast Salt Lake when you become a City Cast Salt Lake Neighbor. You'll enjoy perks like ad-free listening, invitations to members only events and more. Join now at membership.citycast.fm.  Subscribe to Hey Salt Lake, our daily morning newsletter. You can also find us on Instagram @CityCastSLC. Looking to advertise on City Cast Salt Lake? Check out our options for podcast and newsletter ads. Learn more about the sponsors of this episode:  Live Crude - Get $10 off your first CRUDE purchase with promo code CITYCASTSLC. Workshopslc.com - use code CITYCAST for 20% off. Learn more about your ad choices. Visit megaphone.fm/adchoices

Salt Lake's east bench is ripe with historic districts — and just got another — but the Westside still has zero. Executive producer Emily Means asks historic preservation expert Chris Jensen about the good, the bad and the ugly when it comes to preserving historic buildings, and how to get that coveted local historic district designation.  Get more from City Cast Salt Lake when you become a City Cast Salt Lake Neighbor. You'll enjoy perks like ad-free listening, invitations to members only events and more. Join now at membership.citycast.fm.  Subscribe to Hey Salt Lake, our daily morning newsletter. You can also find us on Instagram @CityCastSLC. Looking to advertise on City Cast Salt Lake? Check out our options for podcast and newsletter ads. Learn more about the sponsors of this episode:  ICO Learn more about your ad choices. Visit megaphone.fm/adchoices

In episode 1865, Jack and Miles are joined by comedian behind the comedy special Recommended Based On Your Search History, Joe Kwaczala, to discuss… Oh Grok Is Now Feeding Into The White Genocide Conspiracy, You Got That 2025 Topps Pope Leo XIV Rookie Card?! Wrestling Childcare Away From Private Equity Is The Winning Issue Democrats Keep Ignoring and more! Musk’s AI Grok bot rants about ‘white genocide’ in South Africa in unrelated chats Trump just granted asylum to a man who posted Jews are ‘dangerous’ You Got That 2025 Topps Pope Leo XIV Rookie Card?! What Happens When Private Equity Owns Your Kid’s Day Care U.S. has world’s highest rate of children living in single-parent households Child care is a ‘textbook example of a broken market.’ Where do Harris, Trump go from here? New Polling on Child Care and the 2024 Election Harris wants to limit child care costs to 7% of family income Child care is a ‘textbook example of a broken market.’ Where do Harris, Trump go from here? The “Affordability” Hustle New Mexico Started Offering Free Childcare and Reduced the State’s Poverty Rate Transforming the Child Care Landscape New Mexico made childcare free. It lifted 120,000 people above the poverty line Project 2025 plan calls for shifting funding for childcare to in-home care Project 2025 Proposes Defunding Daycare Not Just More Babies: These Republicans Want More Parents at Home Private Equity Has Its Eyes on the Child-Care Industry Can Child Care Be a Big Business? Private Equity Thinks So. For-Profit Childcare Chains Showered Manchin in Cash After He Blocked Universal Care LISTEN: Let's Ride (Soul Supreme Version) By Q-TipSee omnystudio.com/listener for privacy information.

Discover why housing is unaffordable. Are you investing well for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest, makes a huge difference to your financial future and lifestyle. If you only knew where to invest for the long-term, what a difference it would make, because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INTERESTED IN THE BE WEALTHY & SMART VIP EXPERIENCE? - Invest in stock ETFs, private equity and digital assets for potential high compounding rates - Asset allocation model with ticker symbols and % to invest -Monthly LIVE investment webinars with Linda, with Q & A -Private VIP Facebook group with daily interaction -Weekly investment commentary from Linda -Optional 1-on-1 tech team support for digital assets -Join, pay once, have lifetime access! NO recurring fees. -US and foreign investors, no minimum $ amount to invest For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any additional cost. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or have a complimentary conversation to answer your questions. Request a free appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). WANT HELP AVOIDING IRS AUDITS? #Ad Stop worrying about IRS audits and get advance warning at Crypto Tax Audit, here. PLEASE REVIEW THE PODCAST ON ITUNES If you enjoyed this episode, please subscribe and leave a review. I love hearing from you! I so appreciate it! SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed   PLEASE LEAVE A BOOK REVIEW FOR THE CRYPTO INVESTING BOOK Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". After you purchase the book, go here for your Crypto Book bonus: https://lindapjones.com/bookbonus PLEASE LEAVE A BOOK REVIEW FOR WEALTH BOOK Leave a book review on Amazon here. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) Available for purchase on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning. Use the search bar in the upper right corner of the page to search topics. SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (Some links are affiliate links. There is no additional cost to you.)