Podcasts about affordability

Mortgage rates have dropped below 6% and inventory is shifting, so David Sidoni answers eight of the most common questions first-time buyers are asking about today's housing market. Mortgage rates have recently dropped to 5.99%, the lowest level seen since August 2022. Current housing data also shows 44% more sellers than buyers, creating potential leverage for buyers in many markets. In this episode, David Sidoni answers eight of the most common questions first-time homebuyers are asking about mortgage rates, affordability, and market timing. The goal is to help buyers understand today's market so they can make confident decisions instead of relying on outdated advice. “Affordability is at its best in a long, long time.” Highlights• What are the best mortgage rates available right now for first-time buyers?• Why does having more sellers than buyers matter for your home search?• How do shifting mortgage rates affect affordability in today's market?• Is now actually a better time to buy than many people realize?Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

When a single virus can wipe out computers worldwide in 24 hours, who picks up the pieces? Meena Wahi, Australia's first cyber insurance broker and founder of Cyber & Data Risk Managers, reveals how the cyber insurance landscape has evolved since 2013—and where it's headed next. From the CrowdStrike outage that shocked boards worldwide to the fragmented nature of supply chain risk, Meena breaks down why cyber resilience isn't just a buzzword and how specialist insurers are winning the market share battle. She shares eye-opening insights from ASX 200 boardrooms, explains why Australian regulators might be too "benign," and predicts the convergence of cybersecurity and insurance. Whether you're a startup founder wondering if cyber insurance is worth it or a director trying to understand your organization's risk exposure, this conversation demystifies one of the fastest-evolving sectors in insurance. Host Nigel Fellowes-Freaman asks the questions everyone wants answered but few dare to ask.Timestamps• 00:00 - Introduction to cyber insurance and today's guest• 02:15 - Meena's background: MBA at Monash, consulting at Pricewaterhouse• 03:15 - The origin story: Researching privacy legislation and discovering cyber insurance• 04:05 - Getting invited to New York, meeting with AIG and Chubb• 04:35 - Becoming Australia's first cyber insurance broker in 2013• 05:30 - Evolution of the cyber insurance market over the past decade• 06:20 - London market perspective: CFC's leadership and market share battles• 07:45 - How cyber wording has evolved globally and locally• 08:50 - The role of specialist MGAs: Emergence, CFC, Coalition• 09:20 - Why only specialists will survive in cyber insurance• 10:30 - The aggregated risk problem: 1,000 claims in one day scenario• 11:45 - 2017 statistic: 4 billion data breaches and $500M in claims• 12:30 - Key changes in cyber policy coverage and trends• 13:45 - Supply chain risk has increased dramatically• 14:30 - The fragmented nature of internet risk and liability ownership• 16:05 - IT supply chain partners and contingent business interruption coverage• 17:20 - CPS 230/234 impact on technology vendors and value chains• 18:45 - How prudential standards are driving demand for cyber insurance• 19:45 - Why Australian regulators are 'benign and friendly' compared to the US• 21:10 - Will increased regulatory oversight aid or hinder innovation?• 22:15 - The board perspective: Generational gaps and skill matrix• 23:15 - Key insights from ASX 200 AGMs and boardroom conversations• 24:20 - The information flow problem: Board oversight vs operational reality• 25:40 - What is cyber resilience? Breaking down the buzzword• 27:00 - Cyber resilience as risk acceptance and resourcefulness• 28:30 - Recovery timeframes: Hours vs months• 29:10 - The CrowdStrike outage: What it revealed• 29:45 - Outage vs cyber incident: Why definitions matter for coverage• 30:45 - Are we prepared for the next global cyber incident?• 31:30 - Educating startups and SMEs about cyber insurance• 32:40 - The implementation challenge: Cybersecurity maturity levels• 33:20 - Difference between education and training• 34:00 - Affordability challenges for small businesses• 34:45 - The underinsurance problem: $250K extensions on PI policies• 35:30 - Future trends: Convergence of cybersecurity and insurance• 36:10 - Warranty insurance from cybersecurity providers• 36:45 - The need for better collaboration and feedback mechanisms• 37:30 - Customization of cyber insurance policies• 38:15 - Fun question: Unconventional insurance ideas• 39:00 - The concept of subscription cyber insurance with bank accounts• 39:50 - Final thoughts and wrap-up

What if you could lower your utility bill at the polls? In Georgia, that’s exactly what voters have had the opportunity to do. By flipping two Public Service Commission seats in 2025, they’ve shown that elected officials can be held accountable for rising energy costs. In this episode, host Gloria Riviera speaks with Leslie Palomino, Georgia State Director at Poder Latinx, about how the organization has been mobilizing Latino voters around energy affordability and what’s at stake for upcoming elections later this year. See omnystudio.com/listener for privacy information.

Every year, there is a new “crisis” in solar.And yet… the industry keeps growing.With leadership transition underway at the Solar Energy Industries Association, Darren Van't Hof steps in as Interim President and CEO at a pivotal moment. Policy uncertainty. Permitting bottlenecks. Election year noise. And a projected $25 billion flowing into storage in 2026 alone.So where do we really stand?In this candid conversation recorded live at Intersolar & Energy Storage N.A., Darren shares why solar has already won the cost battle, why storage may be the most durable growth sector in energy, and what must happen politically for the industry to keep accelerating. There are some additional fun bits about the future of SEIA and his role in there as well. ;-)Expect to learn:

Buying in regional New South Wales used to feel like the “safe” alternative—cheaper prices, less competition, and fewer moving parts. But according to buyer's agent Matt Ward, those assumptions no longer hold.In this episode, we unpack how regional NSW property markets have fundamentally changed since COVID, and why buyers who rely on old advice are getting caught out.Matt shares what he's seeing on the ground in towns like Orange and across regional NSW—from rising prices and tight stock to increased competition from investors and city-based buyers. We dive into why regional doesn't automatically mean affordable anymore, how street-by-street differences can make or break a purchase, and why buying remotely without local insight is one of the biggest risks buyers are taking right now.You'll also hear practical guidance on how first home buyers can still make regional buying work: how to prepare properly, what to prioritise when competition is fierce, and the types of due diligence that matter more in regional areas than most people realise. From flood risk and termites to boundary issues and buyer blind spots, this episode highlights what buyers often don't know until it's too late.If you're considering buying in regional NSW—whether as your first home or a stepping stone into the market—this episode will help you approach the process with clearer expectations, smarter strategies, and fewer regrets.Episode Highlights01:21 — Meet Matt Ward: Regional Market Insights02:46 — Affordability, Family Help & Moving Regional05:09 — What Makes a Regional Town Thrive?08:16 — The Real Challenges for First Home Buyers18:58 — Regional Due Diligence: What Buyers Miss22:39 — When a Property Appraisal Goes Wrong24:23 — How Regional Property Auctions Really Work26:28 — Why Organisation Wins in Property Buying32:19 — Why Local Buyer's Agents Make a Difference39:44 — Key Takeaways from Regional NSW MarketsMentionsEpisode 169 - Mistakes to Avoid When Buying in Regional LocationsCourse Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It's the next best thing to having your own buyer's agent. With our expert guidance, you'll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBGIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

In this episode, Jeff Bak, President and Chief Executive Officer of Imagine360, shares how alternative health plan models and reference based pricing can lower employer costs while improving the member experience. He discusses narrowing networks, building provider trust, correcting broker misconceptions, and delivering guaranteed savings in a high pressure cost environment.

The Trump administration's $130 million purchase of a warehouse in Roxbury, New Jersey to convert into an ICE detention center is drawing opposition from local leaders who cite infrastructure limits and question the town's ability to handle a facility of that size. Meanwhile, many New Yorkers are seeing unusually high Con Edison bills this winter, even without using more energy. Ian Donaldson of the Public Utility Law Project explains what is driving the spike and how the state's Energy Affordability Program could lower monthly costs for eligible households.

In this episode, we sit down with Shaun Belle of CMC Development Group for a practical conversation about what it actually takes to build and operate a real estate development platform that performs across market cycles.A core theme of the conversation is investing through changing economic environments. Shaun explains how disciplined operators adjust underwriting assumptions, capital structures, and project selection during expansions and contractions — and why long-term developers think in cycles rather than deals.The episode also explores how CMC Development Group is integrating AI into its operating platform — using technology to improve underwriting speed, scenario analysis, documentation, and decision preparation — while emphasizing that judgment and experience still determine outcomes. AI, in his view, strengthens developer discipline rather than replacing it.This episode is a practical discussion on judgment — the skill that sits between analysis and action — and how developers build trust with communities, investors, and partners over time.

In this episode, Jeff Bak, President and Chief Executive Officer of Imagine360, shares how alternative health plan models and reference based pricing can lower employer costs while improving the member experience. He discusses narrowing networks, building provider trust, correcting broker misconceptions, and delivering guaranteed savings in a high pressure cost environment.

February 27, 2026; CNN has long been a subject of President Trump's ire, but now it seems David Ellison, a close ally to Trump, is poised to take the reins of the network's parent company. Nicolle Wallace examines what this might mean for media and democracy with Oliver Darcy, Tim Miller and Dominic Patten. Also in the hour, the latest on Iran and the affordability crisis with Mark Mazzetti and David Frum.  For more, follow us on Instagram @deadlinewh For more from Nicolle, follow and download her podcast, “The Best People with Nicolle Wallace,” wherever you get your podcasts.To listen to this show and other MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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As electricity affordability has risen in the public consciousness, so too has it gone up the priority list for climate groups — although many of their proposals are merely repackaged talking points from past political cycles. But are there risks of talking about affordability so much, and could it distract us from the real issues with the power system?Rob is joined by Jane Flegal, a senior fellow at the Searchlight Institute and the States Forum. Flegal was the former senior director for industrial emissions at the White House Office of Domestic Climate Policy, and she has worked on climate policy at Stripe. She was recently executive director of the Blue Horizons Foundation.Shift Key is hosted by Robinson Meyer, the founding executive editor of Heatmap News.You can find a full transcript of the episode here.Mentioned:Cheap and Abundant Electricity Is Good, by Jane FlegalFrom Heatmap: Will Virtual Power Plants Ever Really Be a Thing?Previously on Shift Key: How California Broke Its Electricity Bills and How Texas Could Destroy Its Electricity Market--This episode of Shift Key is sponsored by …Heatmap Pro brings all of our research, reporting, and insights down to the local level. The software platform tracks all local opposition to clean energy and data centers, forecasts community sentiment, and guides data-driven engagement campaigns. today to see the premier intelligence platform for project permitting and community engagement. Book a demo today to see the premier intelligence platform for project permitting and community engagement.Music for Shift Key is by Adam Kromelow. Hosted on Acast. See acast.com/privacy for more information.

Darrell Castle talks about the State of the Union Address by reviewing a few of the things President Trump said and the reaction of his opponents, as well as providing a Constitutional response. Transcription / Notes SOTU – A RESPONSE Hello, this is Darrell Castle with today's Castle Report. This is Friday the 27th day of February in the year of our Lord 2026. I will be talking about the State of the Union Address delivered last Tuesday by President Donald Trump. I will comment on a few of the things he said and on the reaction of his opponents to those things and then I will do what I am often asked to do and that is give a Constitutional response. The President spoke for almost two hours the longest speech in SOTU history. He spoke mostly about the achievements of his second term and he mentioned that America is entering a golden age. He emphasized patriotism and heroes and he invited many of them to the speech including the gold medal winning men's Olympic hockey team. According to the reports I've seen more than 70 Democrats chose not to attend the speech but most of them did and they exercised their choice which was to set and glare straight ahead or occasionally to boo him. He noticed and called them out repeatedly for their failure to muster even the most basic bipartisanship in moments that should have been beyond partisan politics. For example, the President invited “a woman who has been through hell,” Anya Zarutska, whose daughter Iryna fled war torn Ukraine only to be murdered on a train in Charlotte North Carolina.  Yes, the killer had many past felonies only to be released on bail when he killed Iryna with a knife. The Democrats could not muster any energy to stand for her mother. That was bad but not the worst moment for Democrats. He held them up for the whole country to see in their worst moment and they went for it. “One of the great things about the State of the Union is how it gives Americans the chance to see clearly what their representatives really believe. So, tonight, I'm inviting every legislator to join with my administration in reaffirming a fundamental principle. If you agree with this statement, then stand up and show your support. The first duty of the American government is to protect American citizens, not illegal aliens.” Who, in good conscience could not agree with that statement and Republicans certainly did. They stood, clapped, and whistled for a full two minutes in a raw, spontaneous reaction, but the Democrats didn't even move. Not a shuffle or even a courtesy clap, just nothing. He let that sink in for a moment then twisted the knife. “isn't that a shame? You should be ashamed of yourselves, not standing up.” I think people noticed as post speech polls indicated especially since illegal immigration was the most important issue of the 2024 election. His invitation to stand was not an attack on immigrants, nor was it hateful. Instead, it was a simple invitation to endorse common sense publicly. The American people elect and pay their leaders and in exchange for power and the honor of election those leaders must prioritize the needs of their constituents. It is the most basic social contract of the American government and it's hard to see how anyone could not grasp it immediately. However, I will point out that the theme transcends immigration. Whether you call it America first or you simply understand that we are all Americans and illegal immigrants especially murderers, torturers, and rapists are not, it is or should be a basic requirement of holding office. Washington is now filled with politicians who have agendas that take priority in their minds over Americans. Yes, for some its Ukraine first, for some its Somalia first, and for some perhaps even the President its Israel first. Now, let me finalize this concept and attempt to link it to Constitutional government and what that would mean. My view is that anyone who thinks that there is a single group who should come ahead of Americans in the minds of officeholders should not be in politics. Let them get a job in Silicon Valley, but please stay away from politics. In reference to the Constitution, I want to say a few words about Iran and what appears to be steamrolling toward an extended war. Like refusal to stand for the concept that American politicians should put the interests of Americans ahead of those of illegal immigrants, American politicians are bound by oath to the Constitution to oppose the drive to fight wars and attack other countries which have not harmed America in any way on behalf of others. This coming war is so obviously unconstitutional that I wonder if anyone in Washington even knows what it means anymore. I will also point out that if the U.S. Constitution is not enough for some of our globalist neo-con politicians, it is also a clear violation of the U.N. Charter which the U.S. signed in 1948. The charter forbids attacking countries which have not harmed you and are not a threat to you but the U.S. has done that many times especially since 1991. A nation does not have to attack to violate the charter because even threats and intimidation are also forbidden. The threat to Iran of you have 10 days to comply with my demands or something very bad will happen to you is an obvious violation. The idea of I am much stronger than you and you have something I want so if you don't give it to me I will take it by force is also an obvious violation. I oppose an attack on Iran for many reasons and the Chairman of the Joint Chiefs, General Dan Caine apparently agrees with me. He has reportedly warned the President that an act of war against Iran carries significant risks including a prolonged conflict with high casualties. I understand that General Caine has the President's respect so maybe his views will prevail over Bibi's but I doubt it. Rumors abound that on one of Bibi's six visits to the Trump White House he threatened the President with what is known as the Samson option. In other words, it you don't do this thing for me I will bring down the entire temple by attacking Iran with nuclear weapons. There can be no reasonable doubt at this point that the coming war is for the purpose of greater Israel. If you don't believe me I invite you to listen to Tucker Carlson's interview with Ambassador Mike Huckabee conducted in Israel about a week ago. In that interview Huckabbe essentially admitted it and said it would be OK. Back to honoring the U.S. Constitution I have spent 37 years of my life defending it along with Western Civilization itself. I now have no confidence that the battle can be won. In other words, it appears that I lost the battle and a return to Constitutional government is impossible. As you probably know, I was a presidential candidate for the Constitution Party and I knew then that by some chance if I was elected it would mean great sacrifice and possibly even death so let's look at why I feel that way. Politicians seek power to get ahead, and to use the near monopoly on violence the government has to achieve those goals. They become seekers of largesse, and there are other words to describe it, but they seek largesse and they exchange it for votes and for special treatment. Subsidies for certain industries are clear examples of this. The subsidies given to corn farmers require corn ethanol to be mixed with gasoline. Now the corn producers say they could not survive without that largesse and any corn state politician who seeks to cancel it better consider a new line of work. The original ethanol requirement was to prevent global warming but the current President says it's a hoax, but the subsidies continue. Subsidies, bailouts, welfare, giveaways, and other shakedowns are not only unconstitutional, but they are also normally unnecessary and inefficient. For example, tariffs are essentially subsidies for selected industries, paid for by price hikes on consumers. The largesse that tariffs represent are put in place to favor a select group of beneficiaries and disfavor everyone else. Over time, the largesse builds up and becomes a huge drag on the economy. I grew up as a farmer's kid and we kept pigs whose meat the pigs sacrificed to feed us through the winter. With so many piglets sucking their mama the sow, the poor sow grows weaker and weaker, A once healthy, dynamic sow goes into decline and stagnates but the pigs are so addicted they cannot stop sucking until their mother can no longer feed them. So, I tell you what is necessary if this empire is to be saved from the disaster that appears inevitable but word of warning if you actually tried to do these things you would probably not survive. Empires have come and gone throughout history. They turn their money to trash by currency debasement, for example our own currency has lost 99.9% of its value relative to gold and we ask why things cost so much. Affordability crises they call it without any understanding of what actually causes it. Eventually, civil war and the struggle for remaining largesse destroys the empire and starvation and poverty are the result.  Old friend and economist Bill Bonner shares three essential things for a good beginning and I agree with Bill on all of them. So,” 1. protect the integrity of U.S. money and the money system. 2. Do not spend more than you take in, ever. This year revenue is projected at $4.9 trillion and spending is projected at $2 trillion more than that. 3. No wars, and I mean no wars that are not purely defensive.” This sacrificial candidate and hopefully President should announce no more deficits ever. No tariffs, no sanctions, no printing money to pay the debt and no more inflation because a balanced budget is non-negotiable. To do this, abolish the FED immediately. You will have to cut $2 trillion in spending and people will not take kindly to that but rip the band aid off quickly. Take your case directly to the people and tell them look folks we may be the greatest nation in the history of the world but we are going broke. Someone has to do it and if not me who, if not now, when. Explain to the voters that in fiscal year 2019 the $4.9 in revenue would have funded the entire government and it is going to again, this year. One other thing, this all depends on taking control of the military, industrial, intelligence, security, and spy complex so that must be done in conjunction. Remember the last President to attempt to control it was JFK. Never fear, just go on TV and tell the people why you are cutting $500 million from the war budget. Finally, folks, what are the chances the people would support a President who was determined to save his country and return to the Constitution? So close to zero that they could safely be listed as zero. At least that's the way I see it, Until next time folks, This is Darrell Castle, Thanks for listening.

A SAN DIEGO MILLENNIAL'S VIDEO ON THE CITY'S AFFORDABILITY CRISIS IS BLOWING UP ONLINE — SPARKING A BIGGER DEBATE ABOUT WHETHER YOUNG PEOPLE CAN STILL BUILD A LIFE HERE. ADD IN A NEW SURVEY CLAIMING LOCALS DON'T WORK HARD ENOUGH, AND THE COMMENT SECTION IS ON FIRE. WHO'S RIGHT — AND WHAT'S REALLY DRIVING THE DEFICIT? See omnystudio.com/listener for privacy information.

The Environmental and Energy Study Institute (EESI) and the Business Council for Sustainable Energy (BCSE) held a briefing on commonsense technologies and solutions to keep energy costs low and meet rising demand. The rapid growth in energy demand from data centers has raised energy affordability conversations in households across the country. And on Capitol Hill, energy affordability might be the major theme of energy policy discussions. This panel covered a broad portfolio of commercially-available technologies and resources—from energy efficiency to renewable energy to natural gas—that are essential to understand in order to ensure that the U.S. energy system can continue to grow and promote domestic prosperity, encourage innovation, and provide opportunities for economic development. The briefing shared new findings from the 2026 edition of the Sustainable Energy in America Factbook. The Factbook provides valuable year-over-year data and insights on the U.S. energy transformation. It examines trends in data centers and artificial intelligence along with the ways in which permitting and siting as well as federal appropriations impact the deployment of modern energy solutions. The report also features an in-depth look at key topics including demand-side energy resources, renewable energy, natural gas, energy storage, and sustainable transportation.

Travelers say they're worried about the economy — but they're still packing their bags. In this episode of The STR Data Lab, AirDNA Chief Economist Jamie Lane sits down with Seth Borko, Head of Research at Skift, to unpack the 2026 travel outlook and what it really means for short-term rental hosts and property managers.The headline? Travel remains the world's top discretionary spending priority — even in an uncertain economy. While consumers are price-conscious and navigating a “K-shaped” recovery, they're not cutting trips. Instead, they're choosing cheaper flights, exploring more affordable destinations, and prioritizing accommodations and experiences over everything else. For STR operators, that's a powerful signal: the right property in the right market, positioned around the right experience, is still incredibly compelling.The conversation also dives into the rapid rise of AI in trip planning. Nearly half of U.S. travelers are already using AI tools for discovery and inspiration. While booking behavior hasn't fully shifted (yet), personalization is accelerating — and that could reshape loyalty, distribution, and direct booking strategies in the years ahead.You don't want to miss this episode.Practical Takeaways for STR Hosts & ManagersTravel is still the #1 discretionary spend. Even in uncertain times, consumers want to travel — they're just adjusting how they do it.Guests are saving on flights — not stays. Survey data shows travelers are cutting airfare costs first while prioritizing accommodations and experiences. Your property still matters.Experiences drive the trip. Today's traveler starts with “What do I want to experience?” and back-solves into destination and accommodation. Design and market your STR as part of that experience — not just a place to sleep.Affordable destinations have momentum. With travelers choosing less expensive markets, regional and domestic STR markets may benefit from trade-down behavior.AI is reshaping discovery. Travelers are increasingly using AI tools to compare destinations, activities, and accommodations. Properties with clear positioning, strong differentiation, and well-structured listing content will win in AI-powered search.Loyalty may be redefined. As personalization improves, guests may be more willing to switch brands or platforms if the offer is better. Value, flexibility, and frictionless booking will matter more than ever.Sign up for AirDNA for FREE

The Urbanist's newsroom — Doug Trumm, Ryan Packer, and Amy Sundberg — dive into recent headlines in a podcast episode covering:Katie Wilson's State of the City speech. (Read our story)An update on which bills are moving and which are dying at the Washington State Legislation.The Seattle Social Housing Developer's big moves, including huge proceeds in its first year with a dedicated revenue source. (Read our story)  Here's a recap of the Olympia coverage we referenced:Age verification for Big TechWashington's Elevator Reform Bill Rises AgainCurbing Mandates for Ground-Floor Retail Spaces Advances at LegislatureWashington Legislature Grapples with Slew of Bills Regulating AIWashington State Reacts to Feared ICE Invasion, Constitutional CrisisState Lawmakers Move to Regulate License Plate Readers, Fearing ICE MisuseICE's Tacoma Detention Center Targeted in New Lawsuit Alleging Abuses2026: The Year the Washington Legislature Catches Its Breath on HousingAnd in a bonus closing segment, the three of us also offer our Pike Place Market food recommendations.This episode of The Urbanist Podcast was edited by Doug Trumm. Episodes also air on KVRU 105.7 FM radio Thursdays at 4pm, on a once every two weeks cadence, give or take.

Headlines for February 25, 2026; “You Have Killed Americans,” “Black People Aren’t Apes”: Democrats Protest Trump’s State of the Union; Nobel Prize-Winning Economist Joseph Stiglitz Slams Trump's Myths About Tariffs, Affordability; Rep. Summer Lee on Boycotting Trump Speech, Jesse Jackson, Voting Rights, “Endless Wars” & More; Jailed for “Standing Up”: DHS Assault Victim Aliya Rahman Arrested at State of the Union Address; “Lies, Gaslighting and Maligning”: Rep. Adelita Grijalva Boycotts Trump’s Speech

Join Jim and Greg for the Wednesday 3 Martini Lunch as they dissect President Trump making the Democrats look heartless and crazy in their refusal to applaud almost anything, Trump's reluctance to pursue an aggressive legislative agenda this year, Virginia Gov. Abigail Spanberger's forgettable rebuttal to Trump's speech, and the truly insane event Dems put on during the speech.First, they explain what they liked about the speech, including Trump exposing that Democrats oppose the protection of citizens over illegal aliens and or stopping schools or local governments from transitioning minors without the knowledge or consent of parents. Democrats also refused to clap for families traumatized by violent crime and even seemed pretty unenthused about the Olympic champion hockey team. Talk about an own goal!Next, they scratch their heads at news that President Trump doesn't want to pursue another reconciliation bill in Congress this year to pass more GOP fiscal priorities while Republicans still hold majorities on both sides of Capitol Hill. Jim and Greg urge him to reconsider and point to the value such an agenda would have on the midterms.Finally, they pan the Democrats' rebuttal delivered by Gov. Spanberger, noting what they see as hypocrisy on some issues and incoherence on others. They also highlight the thoroughly bizarre event lefties ran in opposition to the State of the Union.Please visit our great sponsors:Take your personal data back with Incogni—use code 3ML for 60% off an annual plan at https://Incogni.com/3MLLive better, longer with BUBS Naturals. For a limited time, get 20% off your entire order with code 3ML at https://BubsNaturals.comHelp protect your home systems.  Plans start at just $4.99 a month.  Visit https://HomeServe.com to find the plan that's right for you. New episodes every weekday. 

See omnystudio.com/listener for privacy information.

Headlines for February 25, 2026; “You Have Killed Americans,” “Black People Aren’t Apes”: Democrats Protest Trump’s State of the Union; Nobel Prize-Winning Economist Joseph Stiglitz Slams Trump's Myths About Tariffs, Affordability; Rep. Summer Lee on Boycotting Trump Speech, Jesse Jackson, Voting Rights, “Endless Wars” & More; Jailed for “Standing Up”: DHS Assault Victim Aliya Rahman Arrested at State of the Union Address; “Lies, Gaslighting and Maligning”: Rep. Adelita Grijalva Boycotts Trump’s Speech

David Bahnsen fills in for Brian Szytel with a Daily Recap recorded shortly before the close as markets trade higher (Dow up ~300, S&P up nearly 1%, Nasdaq up over 1%) and notes upcoming Nvidia earnings. He focuses on economic takeaways from the State of the Union rather than politics, highlighting the lack of new affordability proposals as potentially market-friendly. He says Medicaid drug price controls were reiterated but have little market impact due to low passage odds, and that pharma has largely navigated tariff threats already. He reviews proposals for government-matched quasi-401(k) plans for lower-income Americans, requiring hyperscalers to fund their own power needs, and an unrealistic idea of tariffs replacing income taxes. He supports banning congressional stock trading and notes omissions on credit-card rate caps and 2026 tax-cut reconciliation, while flagging a call to ban institutional ownership of residential real estate. 00:00 Market Snapshot Setup 00:36 State of the Union Focus 01:12 Affordability and Policy Restraint 02:15 Prescription Drugs and Pharma 03:25 New Savings Plan Proposal 03:42 AI Data Centers and Power 04:17 Tariffs and Tax Reality Check 04:45 Congress Stock Trading Ban 05:04 What Wasn't Said and Housing 05:48 Wrap Up and Sign Off Links mentioned in this episode: DividendCafe.com TheBahnsenGroup.com

Trump mocks affordability, makes false claims about prices To listen to this show and other MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Michael is joined by political analyst Mark Halperin to break down President Trump's State of the Union address — from the viral “stand up” immigration moment to the pivot on affordability, the Supreme Court swipe, and a late warning shot toward Iran. Was it a unifying speech, a midterm campaign kickoff, or pure political theater? Michael and Mark analyze Trump's disciplined delivery, his strategic framing of immigration and the economy, and the maneuver that put Democrats in a made-for-TV bind. Plus: what the Iran comments could signal ahead of high-stakes negotiations. Listen in, and please rate, review and share this podcast. Original air date 25 February 2026. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Canada's housing crisis is about more than rising home prices and affordability. Journalist Jessica Barrett says the real issue may be our definition of home itself. From Vancouver's soaring housing market to innovative housing models in cities like Vienna and Harare, we explore how community shapes our wellbeing. Jessica explains why building more homes hasn't solved affordability and what happens when we design housing around people.

In his State of the Union address, US President Donald Trump sought to reassure Americans that the economy is doing well ahead of key midterm elections. Also in this edition: the Pentagon tells Anthropic it has until Friday to loosen AI safeguards, or lose its $200 million contract. Plus the Louvre's president resigns after a series of crises and what auditors consider to be a mismanagement of funds.

Chicago Real Estate Market Update February 16th, 2026The February 2026 numbers are in, nd they tell a story that most headlines are completely missing.Is Chicago's Housing Market Freezing in 2026? Jobs Up, Rates Stuck & Buyers Feeling the PressureIn this episode of the People, Not Titles Market Trends Podcast, host Steve Kaempf and analyst Matt Lombardi break down the most important U.S. economic and real estate data released this month, including the surprising January 2026 jobs report, cooling inflation, and what these shifts could mean for Federal Reserve policy, mortgage rates, and housing affordability.At first glance, the economy looks stronger than expected:→ 130,000 new jobs added in January→ Unemployment fell to 4.3%→ Wage growth continues climbing→ Inflation cooled to 2.4% year-over-yearBut here's the real question…If the economy is stabilizing, why are existing home sales dropping?Why are Americans moving less than ever?And why is housing still feeling unaffordable to millions of buyers?This episode dives into the data behind what's happening — and what's coming next.

Listeners call in to talk about what they will be watching for at President Trump's State of the Union address tonight. Photo: President Trump delivering last year's State of the Union address. Credit: The White House via Wikimedia Commons.

WMAL GUEST: GROVER NORQUIST (President of Americans for Tax Reform) on the upcoming State of the Union address and President Trump’s efforts to tackle affordability through tax and tariff policies. WEBSITE: ATR.org SOCIAL MEDIA: X.com/GroverNorquist READ: Where Trump’s Affordability Ideas Stand Ahead of SOTU Where to find more about WMAL's morning show: Follow Podcasts on Apple Podcasts, Audible, and Spotify Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @JGunlock, @PatricePinkfile, and @HeatherHunterDC Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Website: WMAL.com/OConnor-Company Episode: Tuesday, February 24, 2026 / 6 AM HourSee omnystudio.com/listener for privacy information.

Today's top stories, with context, in just 15 minutes.On today's podcast:1) A powerful winter storm started to taper off across the Northeast Monday evening after smashing records and dropping more than a foot of snow in eight states. The impact is expected to linger for days. More than 11,000 flights have been grounded through Tuesday, and more than 500,000 homes and businesses were without power as of 5:45 p.m. local time. Drivers in some parts of Massachusetts have been ordered to stay off the roads as snowplow crews struggle to catch up after whiteout conditions engulfed the state’s South Coast. Manhattan’s Central Park recorded about 20 inches (50 centimeters) of snow from Sunday through Monday. Islip on Long Island received more than 22 inches, according to the National Weather Service. Providence, Rhode Island, broke its record for a single snow storm with 32.8 inches, the National Weather Service said. The old record was set from Feb. 6-7 during the Blizzard of 1978 when 28.6 inches fell.2) Affordability and tariffs are expected to be two key domestic themes of President Trump's State of the Union address, posing headline risk for credit-card issuers, homebuilders, single-family REITs and retailers exposed to duties. He will likely address the Supreme Court's tariff ruling, reiterating his pledge to keep them in place, while other proposals requiring congressional approval face long odds in 2026. With President Trump's approval rating at 42% according to RealClearPolitics, consumer affordability of goods and services will be a key focus for the administration ahead of the US midterm elections in November. So far in 2026, Trump has proposed measures such as a 10% cap on credit-card interest, regulatory cuts to lower household energy prices, tax relief and prohibiting corporations from purchasing single-family homes. Yet investors should note that presidential authority to drive affordability goals may be limited, especially if congressional approval is required or if tariff policy risks driving higher inflation. 3) President Trump’s new 10% global tariffs went into effect on Tuesday, kicking off a White House effort to preserve the adminstration’s trade agenda after the Supreme Court struck down his original sweeping duties. The president signed an executive order last Friday authorizing the 10% import tax just hours after the ruling. He subsequently threatened to raise the number to 15%, but Trump did not officially issue a directive to increase the rate by Tuesday at 12:01 a.m. Washington time when the 10% levy went into effect. The White House is working on a formal order that will increase the global tariff rate to 15%, according to an administration official. The timeline for implementing that higher levy has not been finalized, said the official, who spoke on the condition of anonymity to discuss private matters.See omnystudio.com/listener for privacy information.

Flipping the narrative on the so-called 'Affordability Crisis'... We're likely to hear it during and after the President's State of the Union, but the real problem may not be what you think (at 15:19) --- Vivek Ramaswamy and Amy Acton aren't the only choices for Ohio voters... Libertarians believe they can make noise in the race for Governor this year (at 25:04) --- What's Happening: Cabin fever is a real thing, and getting outdoors is the way to fight it... Details on March programs and activities from the Hancock Park District (at 50:10)

Hour 1 of the Bob Rose Show, previewing tonight's State of the Union address. Outlining one year of unprecedented success, focusing on economic issues that impact the coming midterm elections, which will be key to keeping Pres. Trump's agenda on track. Plus, all Tuesday morning's biggest stories for 2-24-26

Affordability may be the defining word of 2026. After years of elevated inflation, a housing affordability crisis, and signs of softness in the labor market, many Americans are feeling squeezed—and looking for answers. You can expect this issue to loom large at the polls in November. That's why state and federal lawmakers should confront one of the central drivers of this “unaffordable” economy: fiscal irresponsibility. Persistent overspending helps fuel inflation and adds uncertainty that holds back growth. It's time to get serious about sustainable budgeting and pro-growth policies that expand opportunity—so Americans can find well-paid jobs, secure affordable housing, and afford daily life again.In today's This Week's Economy, I take an honest look at the latest economic data—even where it challenges media narratives. We'll also examine the risks of a rising push for social media bans and why energy abundance is essential to powering our technological future.Let's dive in! Catch the full episode on YouTube, Apple Podcast, or Spotify, and visit my website for more information about my work at Ginn Economic Consulting.

Let's talk about Trump pretending he's created affordability....

Builder confidence in the single-family housing market slipped again in February, according to the latest Housing Market Index from the National Association of Home Builders. The index fell to 36, marking the second straight monthly decline and signaling continued weakness in builder sentiment. Affordability remains the biggest challenge. High home price-to-income ratios, elevated land costs, and stubborn construction expenses are keeping many buyers on the sidelines. Even with incentives widely available, buyer traffic remains low. In this episode, Kathy Fettke breaks down what falling builder confidence means for housing supply, pricing power, remodeling demand, and real estate investors in 2026. If inflation eases and mortgage rates follow, conditions could improve — but for now, affordability continues to shape the market.

Trump's economic messaging tour takes him to Georgia, where he claims "I've won affordability"—as White House advisors concede in a high-level meeting that he "will do what he wants to do, say what he wants to say." No surprise then that Republican strategists are beginning to go public with their fears about the midterms. Jon and Dan react to all the latest, including Trump's plans for war in Iran, the saga of Texas Senate candidate James Talarico's cancelled interview with Stephen Colbert, and the rumored departure of spokesperson Tricia McLaughlin, the face of DHS's worst lies.For a closed-captioned version of this episode, click here. For a transcript of this episode, please email transcripts@crooked.com and include the name of the podcast.

Joe: Maybe for Trump the affordability crisis is over but it's not for everyone else To listen to this show and other MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this episode of Discover Lafayette, we welcome Charles Boustany, a retired cardiovascular surgeon who served as the U.S. Representative for Louisiana's Third Congressional District from 2005 to 2017. Most recently, he earned a Master's degree in history from the University of Louisiana at Lafayette. Dr. Boustany was honored with the Richard G. Neiheisel (Phi Beta Kappa) Graduate Award, recognizing the graduate student with the highest academic accomplishment in a classical arts and sciences degree. Dr. Boustany reflects on a life that has bridged medicine, public service, and now scholarship, and what lifelong learning means at every stage. Growing Up in Lafayette — Medicine and Mentorship “I grew up here in Lafayette and went to the old Cathedral Carmel, which was 1st through 12th grade,” he shares, recalling his early education before attending USL (now UL Lafayette) for pre-med studies. Following in his father's footsteps, he completed medical school and surgical training at Charity Hospital in New Orleans, an experience he describes as legendary in its rigor and reputation. A formative influence on his life and career was Dr. John Ochsner. “John taught me not only the techniques and things you learn as a heart surgeon. He taught me how to be a surgeon, how to be a doctor. He was an amazing individual and a lifelong friend.” After additional cardiovascular surgery training in Rochester, New York, Dr. Boustany returned home, practicing for 14 years before an unexpected health challenge changed his trajectory. Dr. Boustany speaks with pride about his family's immigrant story and how it shaped his view of opportunity, responsibility, and community. “For me, the oldest of ten kids, a doctor, a mom who believed in community service… thinking about the fact that my grandparents all came from Lebanon. They had nothing. They came to this country and the opportunities were there if you took advantage of them.” He describes that journey as something bigger than one person's career: “It's just one of many great American stories.” He ties his family's arrival and the immigrant fabric of Lafayette to what makes the community distinct: “That's what makes Lafayette so unique for a city its size. It's got a very diverse population, and it has a population that has an international outlook, which creates all kinds of opportunities.” And he adds a personal glimpse into the household that raised ten children: “My mother had a lot of energy and she kept us all in line, amazingly.” A Turning Point — Health Care and Public Service At age 48, after developing severe cervical spine issues that forced him to retire from surgery, Dr. Boustany faced a crossroads. That moment coincided with a deeply personal family health crisis in 2001: “This was a very distinctive point in time for me. I was at the peak of my career in my surgical practice. But 2001 was this horrible year for me, my wife and our kids. Both kids had different life threatening conditions that cost a ton of money out of pocket over and beyond what insurance could pay. It was a huge, huge struggle. Navigating the health care system is a disaster. It was hard for me. I wondered, “What are people doing? How are they managing this?” The experience stayed with him. As he watched national debates over health care and foreign policy unfold, he felt called to act. “Honey, I gotta make a difference,” he told his wife Bridget one early morning before announcing his decision to run for Congress. Dr. Charles Boustany pictured while serving in Congress. Photo credit: Ed Lallo/Gulf Seafood News In Congress — Katrina, Rita, and “Rita Amnesia” Dr. Boustany's first year in Congress was defined by Hurricanes Katrina and Rita. While national attention centered on New Orleans, much of Southwest Louisiana was devastated by Rita. “I had to get all of it amended to include Rita. And that’s when I coined the term ‘Rita Amnesia.'” He recalls warning a national reporter: “My fear is that we’re going to have Rita amnesia.” The phrase stuck and became part of the legislative fight to ensure Southwest Louisiana was not forgotten. He also recounts a pivotal moment after Katrina, when First Lady Laura Bush spent the day touring Lafayette with him. “I was told initially she’s going to be on the ground for about 45 minutes. So I arranged to take her to the Cajun Dome and then Acadian Ambulances’ communication center to see what was going on. Well, she ended up spending the whole day with me. When I took her back to the airport, she thanked me and said, what else do you need? I said, I need 15 minutes on the phone with your husband. Sure enough, Sunday morning at 6 a.m., my cell phone rings and it’s President Bush. He called me Doc. You know, he had nicknames for everybody. He said, Doc, I heard Laura had a good trip down there. What’s going on? What do you need? I said, bottom line is the state doesn’t have the capacity to deal with the magnitude of what we have. We need federal assets down here to help out in New Orleans. He said, ‘I’ll talk to the staff. You get the delegation to Baton Rouge at 9:00 tomorrow morning. Monday. The governor is going to be there. I’m coming in with my team, and we’re going to have a powwow, and we’re going to talk about this and organize it.’ And that’s when everything changed. That’s when he brought in General Honore.” That conversation helped catalyze greater federal coordination and response. Reflecting on those chaotic days, he credits his surgical training: “My career as a surgeon dealing with really dire, immediate emergencies, I just sort of methodically figured out, okay, this is what I can do. This is what I’m going to do. And I didn’t panic.” How a Surgeon Approaches Congress Dr. Boustany explains how medicine shaped his legislative style: “As a surgeon, I had to deal with people from all walks of life. It could be a grandmother or the CEO of a prominent company. It could be a farmer, or somebody who has no insurance and is poor. I had to learn to be able to communicate with the full spectrum of humanity. I think that gave me an advantage, as a doctor, but also as a surgeon, because I had to gain the trust of these people. You know, I’m going to operate on your heart, stop your heart and do all this stuff. So, being able to present yourself in a way and communicate with people from all walks of life, different levels of education and earn their trust was a big asset for me when I traveled the district and tried to find support. That training, that background was very helpful.” He approached Congress with humility, seeking advice from senior members in both parties. One piece of counsel stood out: “One of the most prominent ones was don’t be a know it all. Pick a few subjects and learn everything there is about it. Once you start to speak about these things, people will quickly see that you know what you’re talking about and then they’ll respect you. But if you go down there and spout off on every issue, people see through that pretty quickly.” He developed expertise in health care, foreign policy, energy policy, and international trade, areas that later informed his graduate studies in European history and international affairs. Returning to the Classroom After leaving Congress and later retiring from consulting, Dr. Boustany found himself restless. A seminar course at UL Lafayette rekindled a lifelong passion for history. “The more I’m thinking about this, I really love this history stuff. I don’t want to just be a consumer of history. I don’t want to just read about it. I want to maybe I can contribute to the field.” His master's research took him to Columbia University's Rare Books and Manuscripts division, where he spent a week combing through primary source documents to complete his thesis. Receiving the Neiheisel Award was especially meaningful: “It was thrilling for me when I finished this master’s program to get the Richard Neuheisel Award, because my very first semester at USL in 1974, I took a world Civilization class with him, and I was told he’s a really hard, demanding teacher. And other students, when they asked me what I had signed up for and I told them, they said, you need to drop that class. He’s a really tough professor. You don’t want to take it with him. And I said, oh, that’s the kind of guy I want to take it with. And I did. And you know, I got an A in his class and he and I subsequently became friends. I’d go sit and talk in his office. We’d just talk about history.” Dr. Charles Boustany on UL – Lafayette campus. He was awarded the Richard G. Neiheisel Phi Beta Kappa Graduate Award, named in honor of the professor who ignited his passion for the subject more than five decades ago. The Neiheisel award is presented to a graduating master's student each fall and spring for the highest academic accomplishments in a classical arts and science degree. Dr. Boustany has now been accepted into the PhD program in history at Louisiana State University, where he plans to study modern European history beginning in 1500 — research that will require time in European archives. Health Care Philosophy — “Information, Choice and Control” When asked what still matters in health policy, Dr. Boustany reduces it to six words. “Information, choice and control.” “People want clear information about their health condition and their options… They want that to be between them and the doctor.” And equally important:“Affordability, accountability and quality.” “Quality is critically important. If you put quality first, I think the cost will come in line.” Lifelong Learning and Adaptability Dr. Boustany closes with a reflection that defines this next chapter: “I repeat a quote from Louis Pasteur, who was a famous scientist, and he was once asked, what’s the key to all this amazing stuff you’ve discovered? He said, it’s simple. Chance favors the prepared mind. You prepare your mind for whatever’s going to happen. And one of the keys in getting older and being able to deal with challenges in life is adaptability and education, and preparing your mind for what you know, to be able to pivot, to be adaptable is critically important for anybody going through life. And we also see that we will survive. Sometimes it doesn’t seem like it.” From the operating room to the halls of Congress to the archives of Columbia, and now toward a PhD, Dr. Charles Boustany's journey is a testament to resilience, intellectual curiosity, and a lifelong commitment to service. He is even considering expanding his master's thesis into a book, and perhaps, one day, a memoir. For Lafayette, it is another reminder that some of the most compelling American stories begin right here at home.

What are the alternatives to traditional employer-based insurance? Justin Ayars of EqualityMD joined us to discuss concerns and solutions for affordable health care. If you want to be part of the conversation on rural health, check us out on Facebook and LinkedIn – https://www.facebook.com/VaRuralHealth/ https://www.linkedin.com/company/virginia-rural-health-association

Introduction In this episode of the Insurtech Leadership Podcast, host Josh Hollander sits down with Gemma Ros, CTO at The Zebra, to unpack their 2026 State of Auto Insurance Report. They explore what's driving premium divergence across states, how affordability pressure is reshaping consumer behavior, and where regulation, loss costs, and distribution dynamics collide. Guest Bio Gemma Ros is CTO at The Zebra, one of the largest insurance comparison platforms in the United States. Born in Spain, Gemma built her career across engineering and data roles before joining The Zebra, where she leads the technology organization responsible for data infrastructure, product engineering, and AI capabilities. She brings a unique perspective as both a technologist and an insurance industry insider who sees real-time consumer shopping behavior at scale. Key Topics • State-by-state premium divergence — Auto insurance premiums are not stabilizing uniformly. Regulatory environments, loss cost trends, and competitive dynamics are creating vastly different realities depending on where you live. • Affordability pressure and coverage erosion — Consumers facing higher premiums are choosing higher deductibles, lower coverages, and state minimums — creating knock-on effects for uninsured/underinsured motorist exposure across the market. • Carrier growth signals in ad spending — When carriers increase advertising, it signals growth appetite and competitive pricing — a cue for consumers to reshop their policies. • Rate filing dynamics — New rates are being filed and going into effect daily, making the market a moving target for both consumers and distribution partners. • Telematics and ADAS impact on underwriting — Usage-based insurance and advanced driver assistance systems are beginning to reshape how risk is priced, though widespread impact is still unfolding. • Autonomous vehicles and insurance implications — The shift from driver liability to product/manufacturer liability as autonomy scales, and what that means for carriers. • Taking AI from fun to material impact — Gemma's 2026 engineering theme: moving AI adoption from experimental to scalable, repeatable, and operationalized across the entire engineering organization. Quotes • "It's never a bad idea to shop around. Educate yourself — you might be leaving money on the table." • "If you start seeing a lot more ads for insurance companies on TV or on podcasts, that's a good time to reshop — the carriers are signaling they want to grow." • "My main theme for 2026 is taking AI from fun to material impact." Resources • The Zebra's 2026 State of Auto Insurance Report: Available at thezebra.com • The Zebra: thezebra.com — insurance comparison platform Subscribe & Review If you enjoyed this episode, subscribe to the Insurtech Leadership Podcast on YouTube, Apple Podcasts, Spotify, or wherever you listen. Leave a review — it helps other insurance and technology professionals find the show.

What happens when uncertainty shakes the global economy, and investors start questioning where to put their money? In this episode, AFIRE CEO Gunnar Branson talks with Moody's Analytics Chief Economist Mark Zandi about slowing job growth, shifting trade and immigration policies, and the market volatility that has investors eyeing gold, silver, crypto, and real estate. Zandi highlights both the risks of a potential recession and the opportunities in U.S. commercial real estate, where prices have corrected significantly. The near term may present “bouts of real anxiety,” says Zandi, but in the long term, he adds, “I'm confident that we'll be fine.” LINKS Mentioned in the episode: Trump taps ex-Fed insider Warsh to lead world's top central bank https://www.reuters.com/world/us/trump-picks-former-fed-official-warsh-run-fed-2026-01-30/ To hear the globe's top experts discuss opportunities in US property markets, register for future AFIRE conferences: Summer Conference 2026 in Tokyo https://www.afire.org/events/tokyo26/ KEY MOMENTS 00:00 Introduction 00:36 Market uncertainty and investor confusion 00:56 Mark Zandi's background and perspective 02:19 Humility in today's economy 03:24 De-globalization and safe-haven assets 05:45 U.S. commercial real estate as opportunity 07:21 CRE market corrections and valuations 08:59 Relative attractiveness for international investors 10:29 Single-family rental market overview 11:54 Affordability challenges and workforce housing 14:37 Local variations and political complexity 15:16 Job growth stall and recession risk 17:33 Fed rate cuts and policy pressures 20:24 Long-term rates and equilibrium forecasts 22:22 Inflation concerns and consumer impact 25:35 AI, tech investment, and data center boom 26:42 Potential bubbles and market corrections 30:06 Long-term growth perspective for real estate 31:06 Bumps ahead: cyber events and AI oversight 32:35 Optimism: U.S. economy resilience 34:06 Historical perspective and maintaining cool heads

The Morning Xtra with Tug and Los delivers conservative talk on the biggest political, cultural, and news stories of the day. Smart analysis, unapologetic opinions, and real conversations every weekday morning. Every weekday from 6a to 10a! Senator Blake Tillery, who is running for Georgia Lieutenant Governor, joins The Morning Xtra Segment 1 Topics: Senator Tillery's Hometown / Vidalia Onion Festival Senator Tillery's career in politics Eliminating the State Income Tax Corporate Tax Credits & The film industry in Georgia Affordability Segment 2 Topics: Things Senator Tillery gets love and hate for Things Voter in Georgia want to see What can be better about foster care? How big Georgia actually is Preventing Fraud Segment 3 Topics: Senator Tillery's elevator pitch on why to voters (Protect GA values, Protect GA families, Protect GA pocketbooks) Raised Money and his endorsements How he takes care of himself Personal Questions Final Message Atlanta's ONLY All Conservative News & Talk Station.: https://www.xtra1063.com/See omnystudio.com/listener for privacy information.

President Trump is in Georgia and is talking about affordability and the economy, a theme he's expected to spotlight again in next week's State of the Union address. White House correspondent Liz Landers reports. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

Read more VPM News:  Virginia Democrats zero in on final affordability package UVA School of Nursing faculty say new federal report has an error Hanover County unveils $427M budget proposal for fiscal year 2027    Other links:  How much revenue did the City of Petersburg bring in during casino's first days? (The Progress-Index)*  Albemarle County Public Schools proposes draft budget request (29 News)  PWC supervisors collect nearly $300K in campaign donations – mostly from data center interests (The Prince William Times)  Petition to recall Martinsville mayor moves forward (WDBJ)  *This outlet has a paywall.  Our award-winning work is made possible with your donations. Visit vpm.org/donate to support local journalism. 

Charles is a West End-resident and progressive from the Bronx who founded Safe Space NOVA for LGBTQ+ youth, who chaired the Alexandria AIDS/HIV Commission, and has an MBA focused on Human Capital.  Fun fact - Charles' favorite mode of transportation is Metro! Sad fact - his dog passed away a little over a year ago, who was a star of the Scottish Walk Parade.His policy corners:Affordability - deeply affordable housing supplyWorkforce pathways. Trade schools Sustainable infrastructure amidst climate change, including snowcrete removal Transportation & Congestion. “Get out of your car!” Liberally Social Podcast collaborates with Ryan Belmore of The Alexandria Brief for a special collaboration series of interviews for this Firehouse City Council Primary!Vote in the Democratic Party volunteer-run firehouse primary on Saturday, February 21st from 8:30am-7pm at Cora Kelly Rec Center + Beatley Central Library OR Online if you register in advance by Friday Feb 20th at 5pm! Visit alexdems.org for more information.Want to watch this as a video? https://www.alexandriabrief.com/podcast Want to check out Charles' campaign? https://www.sumpterforvirginia.com/

It's not “Presidents' Day.” Legally, it's George Washington's Birthday—and we've quietly erased the one American who actually deserves a national holiday.- This episode is sponsored by ExpressVPN. Get an extra 4 months free. https://expressvpn.com/goldIn this episode, I explain how a 1968 law moved holidays to Mondays, how retail “Presidents' Day” sales hijacked the meaning, and why Washington's character matters: the war hero who survived what should've killed him, turned down a crown, stepped away after two terms, and personally led troops to put down the Whiskey Rebellion.We also cover a modern contrast: government subsidies and incentives that raise prices, distort markets, and create the very “affordability” problems politicians pretend to solve.Chapters:00:00 Cold Open: No Friends in the Pits00:20 Show Intro: The Peter Schiff Show Begins00:55 Why It's George Washington's Birthday (Not “Presidents' Day”)02:46 How “Presidents' Day” Sales Hijacked the Holiday05:32 Washington's Early Life & French and Indian War Heroics09:22 Leading the Revolution: Beating the World's Strongest Army12:07 Turning Down a Crown & Setting the Two-Term Precedent13:39 The Whiskey Rebellion: A President Who Led from the Front16:27 Why Washington Deserves the Holiday (And the Modern Debate)19:32 Pepsi Cuts Prices 15%: The SNAP Junk Food Policy Angle23:08 The Bigger Lesson: Subsidies Raise Prices (College, Housing, More)25:34 Why Subsidies Make Housing, College & Healthcare More Expensive26:48 Trump on Keeping Home Prices High (and the Credit-Fueled Fix)28:57 Affordability 101: Demand Down or Supply Up?30:15 SNAP Benefits as Money Supply: How It Spills Into Everything33:43 The Farm Subsidy Paradox: Paying to Raise Food Prices38:31 Government Spending, Inflation, and the Case for Gold39:11 Gold & Silver Levels + Why to Dump Bitcoin40:37 MicroStrategy/Strategy and Michael Saylor: The “Legal Ponzi” Critique47:23 Palm Beach “Trump Airport” Trademark Story50:44 Wrap-Up: Calls to Action, Subscribing, and Sign-OffFollow @peterschiffX: https://twitter.com/peterschiffInstagram: https://instagram.com/peterschiffTikTok: https://tiktok.com/@peterschiffofficialFacebook: https://facebook.com/peterschiffSign up for Peter's most valuable insights at https://schiffsovereign.comSchiff Gold News: https://www.schiffgold.com/newsFree Reports & Market Updates: https://www.europac.comBook Store: https://schiffradio.com/books#PresidentsDay #WashingtonsBirthday #HistoryFactsOur Sponsors:* Check out GhostBed: https://ghostbed.com/PETER* Check out TruDiagnostic and use my code GOLD20 for a great deal: https://www.trudiagnostic.comPrivacy & Opt-Out: https://redcircle.com/privacy

Today we're bringing you a special edition of the podcast focused on the state of the U.S. economy and what it means for your money right now.Mosheh is joined by Nicole Lapin, host of the Money Rehab podcast and creator of the Money News Network and Private Wealth Collective, to unpack big-picture economic topics: the affordability crisis, whether we're in an AI bubble, credit card debt strategies, tariffs and inflation, and what the Fed's next moves could mean for borrowers and savers alike.Nicole also answers some of your biggest financial questions: Trump accounts and 529 plans, long-term planning strategies, renting versus buying, and raising financially responsible kids.We incorporate a number of your questions from the Mo News Premium community. For more conversations like this one, join today at mo.news/premium.

Register here to attend the live virtual event "Why Central Florida is the Year's Most Compelling Housing Market" on Thursday, February 19th at 8pm Eastern. Keith explores how a shift in mindset can change the way you build wealth, why so many new landlords are entering the market, and what recent economic trends could mean for future rents.  You'll also hear how one Florida investor is navigating a changing housing landscape, and learn about a timely opportunity in one of the country's fastest‑growing real estate markets—all without needing to be a hands-on landlord. Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/593 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, the risk of delayed gratification is denied gratification. There's a new wave of landlords. Wages are rising faster than both inflation and home prices. Learn what that's going to mean for rents. Hear the voices of five different Federal Reserve chairs, then GRE announces our biggest event of the year, and you're invited today on get rich education.   Corey Coates  0:32   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:16   mid south home buyers, with over two decades is the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated, there is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com   Corey Coates  2:19   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:35   Welcome to GRE from the Adriatic Sea to the Atlantic Ocean and across 188 nations worldwide, I'm Keith Weinhold, and this is get rich education. Sometimes we all need a mindset reset, and this can include me. Sometimes. James clear, the author of atomic habits, says there are four types of wealth, financial wealth, which is money, social wealth, which is status, time, wealth which is freedom, and physical wealth, which is health. Be wary of jobs that seduce you with one and two but rob you of three and four. That is to say, be careful with jobs that seduce you with financial and social wealth but rob you of time and physical wealth that is definitely going to happen to you during your life, especially early in your working career. But many people, even most people, they don't do much about this. They just go on and on, selling their soul to their employer for decades. Sometimes paychecks aren't compensation. They're a bribe from an employer to give up your dreams early in your career, delayed gratification actually makes some sense, because you need capital formation, you need down payments, you need dry powder. That is totally fair and the time in your life for delayed gratification. But there's a point that most people miss, the point where delayed gratification quietly mutates into denied gratification. This is huge. Most people miss this inflection point. When is this point in your life? That's when I'll do it later becomes, well, I guess I never did it at all. They look up at what they've got at age 65 and realize that they have a respectable title. They still wear Dockers pants. They have a 401, K that they must start paying tax on, and knees that creak louder than. The front door. Compound Interest hardly outpaces taxes and inflation. That's just going to keep you in one spot, you know, and you're never going to get that time back. There is no do over there. So you need to get to the point where you can be more frugal with your time than your money. Younger people have a harder time adopting this mindset, and that's a little natural, because they have more time and less money. Sooner than later, you must desperately get financially free so that you can simply be your self workaholics, optimize income instead of assets, and you can't let that happen, because labor does not compound and capital does compound, your quality of life will exceed your cost of living when your life is funded by what you own, not by what you do that takes a different mindset. You can either be a conformer or you can build wealth when you invest in real estate that pays five ways. It's like what you're doing is buying future Tuesdays, where you never have to work again and then later, add on future Wednesdays, where you never have to work again because you got the compound leverage instead of the impotent compound interest. I mean, just consider your two and a half million dollar portfolio that is passively doing the same work as someone who sells 40 to 50 hours a week of their life away for 100k in yearly salary. All right, maybe you're thinking, Oh, that all sounds thought provoking, but if you're not engaged on that, it can sound airy and philosophical and even risky. It's sort of like, yeah, you're cueing the acoustic guitar music and slow motion images of someone pensively gazing at a sunset.   Keith Weinhold  7:12   All right, what is the concrete plan? It's not all about mindset. It only starts with mindset. You got to make that actionable. Well, we constantly provide concrete plans for you here on this show, and I've got another concrete plan for you toward the end of the show today. This harkens back to what I discussed with you seven weeks ago, seven episodes ago on the show. That's when I discussed the world's first billionaire, John D Rockefeller and his enduring quote from about 100 years ago, he who works all day has no time to make money. Yeah, that's the quote a little review. What you learned seven episodes ago is that Rockefeller meant, if you spend your life doing tasks, you're never going to rise high enough to own things that pay you for life. The bottom line here is that earning a living is a distinctly different activity than building wealth. That's what we're talking about here.    Keith Weinhold  8:14   Well, there is a new wave of landlords entering the market, and they are reshaping what owning rentals looks like. One survey by rental platform avail of nearly 2000 users. It's really influential. It found that 53% of landlords became landlords in the last five years. So you have a lot of new landlords with the most 17% of landlords entering the market in just the last year, most purchased a property specifically to rent it out, and 1/3 sort of backed into this business by renting out their former residence. Of course, some people want to rent out their former residence today, if they got locked into that sexy owner occupied three and 4% financing from 2022 and earlier, the survey went on to tell us with some really good takeaways here, 72% of landlords manage between one and four units, and this avail survey. I mean, it's just another one that shows that the majority of landlords operate small portfolios, classic mom and pop investors. That one's not too surprising. The top three reasons that landlords gave for entering the rental market, they're pretty interesting. The number one reason for getting into this at 41% of respondents is building long term wealth. Next 33% for generating passive income, and the third most popular one, it's a distant third, it is preparing for retirement at 13% so building long term wealth is the number one reason for getting into this, and that is the right reason. Them when it comes to ownership structure, 64% said that they own the property individually, whether that's through a single member LLC or in their own name, doing it, yeah, individually, rather than with a family member or a business partner. So really, the summary of this terrific, recent avail landlord survey is that if you're just getting started, you're not alone. A lot of people are most own properties solely in their own name, and the number one reason for doing it is to build long term wealth. Now there's another pervasive set of economic trends out there in the broader economy, but it's really a benefit for real estate investors, and that is the fact that wage growth has now outpaced consumer price growth for three years. Yeah, another way to say that is that wage growth has outpaced inflation for fully three years. Yeah, most people just aren't feeling it yet. So you might be taken somewhat aback by that, and why aren't people feeling that wage growth is faster than inflation, the pandemic inflation spike that was so huge, it was like getting hit with a freight train, and then someone tells you, good news, the train has stopped. Yeah, that's nice. You are still lying on the tracks, rubbing your ribs. That's because we're all still absorbing spiked prices for everything from a lumber two by four to a York Peppermint Patty, year over year, wages are up 3.8% and consumer inflation is 3% All right, so wages above inflation, that means things are getting a little more affordable, but both wages and inflation have grown faster than home prices, which have only grown about one and a half percent, and this is all per the BLS in the FHFA, so wage growth Being more than double home price growth. Well, that trend really makes properties more affordable, but historically, they're still not that affordable. Everybody knows that home prices soared until about 2023 that was the turning point, and now wages are in their catch up phase. All right, but what really matters to real estate investors is, when will this wage growth translate to rent growth, historically, big rent growth that lags big home price growth by about two to four years. So you have the big home price growth, big rent growth hits two to four years later, historically. Now, if that holds true, we should finally see substantial rent growth this year or next year. Rent growth has still been pretty soft in the one to four unit space, and even there are rent decreases in the overbuilt apartment space. Future income growth promises to make homes more affordable. Affordability has already improved, with mortgage rates hovering near three year lows. There's one problem, though, that most people overlook, and that is this wage growth has been skewed toward the higher income deciles, renters, especially workforce renters, they don't feel it until later. So this 3.8% wage growth, it's heavier for higher income people, and it's lighter for lower income people. I swear, when there are enriching economic trends, it always hits the higher income people first, and it doesn't trickle down until later. So if you as an investor, are positioned before the rent wave hits, you are surfing, and if you wait to feel it, you're swimming behind the boat. Higher wages should translate to higher rents in the next one to two years. And as far as some other forces, as we all know, the man occupying the oval office in the White House, the President, he wants lower rates. The current Fed Chair isn't so willing to do that. The next one, the one he appointed, Kevin Warsh, who arrives in May. He seems more receptive to lower rates, but it's gonna take a while. It all moves so slow. We have had 16 fed chairs before worsh over 112 years. And look how much of an econ nerd Are you? Are you as bad as me? These voices are in chronological order, and I can name each speaker.   Corey Coates  14:47   You're going to have to live with the fact that forecasts have a range of uncertainty, irrational exuberance.   Corey Coates  14:54   In my opening remarks, I'd like to briefly first review today's policy decision, but   Corey Coates  14:58   first I'll review recent. Economic developments in the Outlook, and we are well positioned to wait to see how the economy evolves.   Keith Weinhold  15:06   If you can name each of those speakers, I would love to give you a free property from gremarketplace.com but I can't quite swing that in order. Those voices are Paul Volcker. He served from 1979 to 87 he was known for crushing double digit inflation by jacking rates to near 20% it was painful medicine, but it worked the next one. Alan Greenspan sir, from 1987 to 2006 that was a long reign, almost 20 years. He oversaw the 90s economic boom, the.com bubble and the early housing bubble. Years so far, Greenspan is the only Fed chair that I have met in person. Then Ben Bernanke, he was the Fed chair from 2006 to 2014 he took the helm right before the 2008 financial crisis. He rolled out QE and emergency lending on an historic scale. In fact, he was nicknamed helicopter Ben because it's like he would print so much money that he just dropped it out of huge sacks, dollar bills in huge sacks, dropping them from an airplane, metaphorically, not literally. Then Janet Yellen, 2014 to 2018 she kind of continued this post crisis normalization, and she was the first woman to chair the Fed and then, of course, Jerome Powell serving from 2018 to 2026 he navigated the covid stimulus, ultra low rates. And then after that, the fastest rate hiking cycle in decades to fight inflation back in 2022 being the Fed chair is the most important job in this economy, and over the decades, there's been more of a movement of the fed into the public eye. You just hear about them more in the media than you used to. But like I touched on last week, it just still doesn't mean as much to real estate investors as a lot of people think, people sometimes look for someone else to come save them, but it's more about you and the choices that you make that's what means more housing supply and demand means more real estate investors have profited during every one of those Fed Chair reigns, which go back almost 50 years from Volcker to today, I think everybody knows that fed chairs don't control property prices, and they don't even control long term interest rates. What's a little paradoxical is that Trump has been vocal about how he wants more affordable home prices, yet at the same time he wants existing homeowners to have their home prices go up, those two things seem to be in tension. They're in conflict with each other. The only way you can possibly get both are through lower mortgage rates. But is he going to see later today you as a GRE follower, you don't have to wait for lower rates income, property still feels less affordable than it did five years ago, because it is that's real but here's the key distinction in what makes real estate investors different from owner occupied homeowners. Affordability isn't about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting. Higher prices don't kill investors. Inaction during inflation does you're not buying a say, $350,000 property. You're controlling it with $70,000 while your tenant and inflation do the rest. We do not rely on hope or appreciation. We start with income tax benefits and debt pay down and then leverage appreciation typically happens as well. GRE only succeeds when investors close on properties that perform long term. One bad referral costs us years of trust, so we don't do that. The best question for you really isn't whether property is affordable. The question is whether owning an investment property is better than inflation compounding against you. That's the investor lens today.    Keith Weinhold  19:24   coming up next week on the show here, we're going to discuss apartments. It's been a truly be leaguered sector, where their prices have fallen 2030, and 40% in many markets. We've discussed apartments here on the show a lot before, like with Grant Cardone on episode 264, with Ken McElroy, countless times with me monologuing about apartments. And next week, we're going to talk to a multifamily educator who is known as the apartment King. Later on, a future show, we've got the return of the financial. Firebrand, and lately, the financial comedian Garrett Gunderson, a powerful speaker. That's definitely going to be interesting. As for today, you'll hear a first person account from a Florida resident about why he's moved to Florida and why he invests there. You've heard of this guy before. That's next. I'm Keith Weinhold. You're listening to Episode 593, of get rich education.    Keith Weinhold  20:26   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE. That's f, l, O, C, K, homes.com/G. R, E,    Keith Weinhold  21:02   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products. They've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep, text their freedom coach directly again. 1-937-795-8989,   Keith Weinhold  22:13   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 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 prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Zack Lemaster  22:47   this is rental retirement Zach Lee Masters. Listen to get rich education with Keith bleinhold, and don't quit your Daydream.   Keith Weinhold  23:02   I'd like to welcome in our own in house. GRE investment coach, we haven't had you on the show since November. Welcome in Naresh.   Naresh Vissa  23:11   Kwith, It's a pleasure to be back on the show. Thanks for having me on.   Keith Weinhold  23:16   We're just playing it all casual and comfortable here in house. You were just finishing up, what ice cream or a container of something right before we got started   Naresh Vissa  23:25   here, all done with the ice cream and ready to record the podcast.   Keith Weinhold  23:29   Yeah, all right, keeping cool for our chat. Well, you know you do live in Florida, so you must have your own perspective on the Florida market. You live in the Tampa area, and the reason that that's a germane topic is that's something we've been talking about here lately as really an opportunity, and that is because most of Florida has seen some temporary property price attrition, but yet more population growth is projected. So that's why we feel like that's temporary. But why don't you tell us about what you see on the ground there?   Naresh Vissa  24:07   Keith, I've lived in Florida for 11 and a half years now. That's Tampa, Florida. I like Florida a lot. I moved here December 2014 for similar reasons that many people are moving here today. So I moved to Florida in December 2014 because of no state income tax, because of, at the time, lower cost of living. Florida was one of the states I got hit the hardest during the 2008 financial crisis, or nothing called in a real estate crisis, Florida, Arizona, those few others got hit really, really hard. So Florida at that time was still rebounding from 2008 so I moved for the affordability, the no income tax, of course, the weather better. Weather. And then most places in the Northeast I've lived so weather is a big deal when it comes to real estate and geography as well. These are all different reasons to move to Florida, and these are the reasons why I moved to Florida. I was also single in my 20s, so I was much younger at the time. I was single in my mid 20s, and Florida is very good for that too. For 20 something Gen Z folks today, Florida is definitely a place that they should consider. I moved down here and I fell in love with it. From day one. I got a place living right on the water, a beach. Got beaches everywhere. Florida's tour. And I say all this because these are all enticing features of Florida, for renters, for tenants, for snowbirds. I had never even heard of what a snowbird was until I moved down to Florida, where you have people who literally live here for seven months of the year, and then they live in their home state for five months of the year. So that's generally what it is, seven months in Florida, five months in their home state, which can be the people I know personally are from New York, Connecticut, Illinois, Ohio. The list goes on and on. Basically anywhere that's north of Florida could be considered a snowbird area. So that's another reason why Florida is a very hot market. Now, obviously, during the pandemic, in end of 2020, people started moving to Florida in droves. Part of it was politically, because you didn't have the restrictions that other states had during that crazy time that we lived through. And another part of it was work from home. So similar to me, in 2014 when I became full time work from home, I wanted to move somewhere for all those different reasons that I gave you the total package, and Florida fit that there was maybe one other state that fit the bill, based on everything that I told you, probably one other state. That's it. So Florida fit the bill, and that's why I think Florida is always going to be despite the hurricane prep, Florida is always going to be a destination that people will seriously look at whether you're older, retirement age or younger. Like I said in my mid 20s, single guy Florida is always going to be that destination for all the reasons that I laid out. So with that being said, what does that mean for real estate? What that means for real estate is that there's going to be a constant supply of people coming into Florida, and when there's a constant supply of people coming into Florida, then you can expect real estate prices to at least not decline. We passed, you know, all sorts of bills, including Dodd Frank post 2008 to prevent people from taking out mortgages that they couldn't afford. So now that that's out of the way, when you have a constant supply of people who are able to afford homes, who are able to afford rents, well, that's going to be a constant supply. So that's good for investors, that's good for appreciation. It's good for cash flow. And that's why I'm a huge fan, not just of the state of Florida, but also investing in Florida. And I own real estate in Florida, and you can say that I lucked out, but I bought a property in 2019 and it nearly doubled in value, yeah, when I say doubled in value in a matter of I want to say, like, two years, two and a half years, it nearly doubled in value. So with that being said, Florida, this was a rare cyclical trend when we just saw this huge upswing, rare cyclical trend. But I don't anticipate cycles like this, where you're going to have booms and busts. Moving forward, we haven't seen a bus since 2008 like I said, the the law has been taken care of in that sense, the regulation. I love the state. I've lived in six major cities, but maybe five different states, and Florida is hands down my favorite. That's why I've lived here for what did I say? 11 and a half or 12 and a half years? I don't even remember anymore. It's actually 11 and a half. My roots are here. I now consider myself a Florida person, even more so than the state of Texas, where, which is where I spent 18 years. I have no doubt that I'll surpass 18 or 19 years in Florida, and that this is it, right here. And a major reason is because this is just such a great state. It's free, it's real estate friendly. This is for people who are looking at buying primary residences, not for investment properties. But the governor has put on the ballot this coming election cycle to remove, to abolish the property tax in the state of Florida. So if you own, if you live full time, not a snowbird, not investors, but if you live in Florida permanently, then no more property tax if the vote passes. So that's another huge plus for owning property if you're a permanent resident in Florida,   Keith Weinhold  29:57   yeah, even if the property tax is abolished. Which seems unlikely, you could just tell what the tenor and the temperature of the tax climate and the investing climate is like in Florida, if they're even spearheading such a proposal, and they're a national leader in something like property tax abolition, like they are and Naresh about eight years after you moved there, which would be, what about 2020? 2022, somewhere in there, we had that strong pandemic migration push into Florida. What's happened is that that flow has slowed down. There's still positive net in migration in there in Florida. But the builders, they got ahead of this, and the pandemic migration wave waned, and they had a temporarily overbuilt condition, and they still do now, which is one reason why we've seen prices fall somewhat in most Florida zip codes, and this spells part of the opportunity. So you do have all these new build properties, some of which are vacant, but you have a good chance they're going to get absorbed pretty soon. And there are some obvious advantages to owning new build.   Naresh Vissa  31:11   Well, Keith, there is brand new construction in Florida, like you said. The work started in 2021 and there are homes that have not been sold. I don't want to say, since they were finished building in 2021 they recently finished building in 2025 and these homes could be a variety of reasons. It could be economic related. It could be hurricane related. In Tampa, the Central Florida, we had two horrible hurricanes back to back within a 15 day period, two really bad hurricanes towards the end of 2024 September and October 2024 and people lost their homes. Renters lost their homes. Other people just were freaked out and scared and said, You know what? I don't want to deal with. I've got PTSD from these hurricanes. I'm moving up to Alabama or Georgia or Orlando, you know, somewhere in Central Florida, that's a way. But even that area, you know, the hurricane still made it through to those areas too. People just picked up and said, You know what I'm done with Florida. It's a great state, but I don't want to deal with these hurricanes. And so regardless, whatever the reason, this is a pie, and these are all slices of the pie, I don't know what's been more of a contributing factor than which one has been more than the others. But with that being said, there are tons of properties in Florida, pretty much the entire state of Florida, where, especially new construction properties, are below at the time when they were being built, they're below what they anticipated being listed as. And So Keith, we're having a special webinar this Thursday, talking about these properties because they are discounted properties. They are properties that are selling at tremendous discounts, like I said to when Ground was broken years ago. So join that webinar. Gre, webinars.com gre webinars.com. Again, brand new construction. Many of these properties already have tenants in place. Not all of them, but many of them do already have tenants in place. There are all sorts of incentives that the builder is offering. And there are many builders in that, not just this one that's going to be on the webinar, but in Florida, there are many builders who are offering discounts, rate, buy downs, other incentives, because the home values have fallen somewhat a bit. Why have the home values falling? Because the demand has fallen as well. So again, the next question people might have is, well, if the demand is falling, if home home values are falling, why would I buy the trend is downward. And the answer is, whether it's a stock or any other security, you don't necessarily want to have the FOMO to buy at an all time high, just because everyone else is buying it. And I actually have family members who bought real estate at the peak of 2022 there was FOMO and there was, hey, you know, I need to get a flip, and they're down. They bought peak 2022, and they're down today. Because, look, you can pick any housing market in the country, especially a prime state like Florida. Look at any 30 year period, and you will see that home values are up double digits, even if you look at 2009 when the housing market crashed and we reached something like 10 year bottom in housing, if you look at the 30 year period, well, if someone who bought a house in Florida in, say, 1979 was still way up on their property in 2009 30 years later, we're not buying Bitcoin here where it can go up 30% in one day or go down 30% in one day. We're talking real estate, and real estate has been proven. It's been tested. It's been proven throughout time, not even a 30 year period. I think if you take any 20 year period, you're going to see the same trend of double digit gains, double digit growth. On real estate appreciation. So I'd say, if you're skeptical about Florida, you see these home values, all these discounts, that's the first thing I hear from followers. They say, why are they offering so many discounts? I'm a little concerned about all these discounts and incentives, and I don't know if that's a good thing. Well, I say, Well, I mean, you can buy full price in another state, if you'd like, you know, in California or so you could, you're more than free to buy full price. But we're talking Florida here. We're not talking about West Virginia or Rhode Island, or, you know, Nebraska. We're talking Florida. This is still the land of Mickey Mouse and Minnie Mouse, this is the land of the best beaches in the country. I mean, they there's just no arguing or debating these facts. Florida all the reasons that I stated earlier, is going to continue to be a hot, hot market. So I highly recommend people, if you want to get in on these discounted deals, G R E, webinars.com G R E, webinars.com register for our upcoming online and live special event this Thursday evening at 8pm Eastern Time, 8pm Eastern Time, gre webinars.com you won't want to miss this free, online and live special event.   Keith Weinhold  36:25   When a pound of oranges is on sale or a pound of zucchini is on sale, consumers are often attracted to that sale. Should probably be the same way with you considering adding to your real estate portfolio, and it's funny, when oranges of zucchinis are on sale, no one tries to find fault with it and think that they're rotten inside or something like that. But somehow with real estate or an investment that tends to get scrutiny from people, but these are real discounts that you're getting over buying, say, two years ago, and we're talking about a motivated seller here. And as you know, Naresh, we had the builder on the show last week, the one that's going to be co hosting the webinar with you on Thursday, and he talked to us about buying down mortgage rates to between 3.75% and 4.25% and we're here at a time where the owner occupied rate is six to six and a quarter the investor rate is seven, so you're getting about a three percentage point buy down. That's really the attraction. And Naresh, before I ask you, if you have any last thoughts, yes, again, it is our live event that you can attend from the comfort of your own home, Thursday the 19th, at 8pm eastern in just a few days, here with Naresh and the builder who you heard on last week's show, co hosting a live webinar for Central Florida so inland new build income property. It's free. You're invited, and the benefit of you attending live is that you can have any of your questions answered in real time. You're going to learn more about the Central Florida market and more about the home building process, and you are going to be able to see available new bill property, real addresses, with some of these pretty grand incentives that we've talked about again. GRE webinars.com, any last thoughts? Naresh   Naresh Vissa  38:17   I get a lot of questions about is right now the time to buy? Should I buy later? What's going to happen with real estate? And I know the number one question, or the number one caution our followers are going to have, is, is right now the time is March or April, the time. And I say, look, with real estate, I already gave you the figure that you take any 20 year time period, any 30 year time period, and that's our time horizon here at GRE again, we're not trying to buy bitcoin here and flip it, you know, two days later, we're looking to buy and hold for, I don't want to say forever, but I know my time horizon in general is the full 30 year term, at least for my properties, and some people you know, want 10 or 15 years. That's fine too, but that's the time horizon. It is not one year, two years. We're not flipping new construction properties here in Central Florida. We are looking to buy and hold over the long haul, get some very good, high quality tenants in there, in these new construction properties, so that you, the GRE follower and the investor, can collect your monthly cash flow as well as over that 20 year period, or that 30 year period take part in appreciation as well. We've also talked extensively, Keith in previous episodes about interest rate cuts that the Federal Reserve is going to be doing, and just know this, there's a reason why the builder is offering these incentives where you can get the rates so low, your mortgage rate can be so low, and it's going to take at least a year, even if the Fed goes to zero. I mean, it's going to take mortgage rates a very long time. And to reach that point of getting such low interest rates that you just laid out, so that even makes it more enticing, like, Hey, I basically have a head start on the Federal Reserve because I follow the Fed pretty closely. We don't need to get into those details, but it's looking heavily like they are going to be start cutting again later this year, this summer. So it's looking like they're going to do that, but again, now you can have a head start, because when the Fed starts doing that, and when the mortgage rates fall, then everybody's going to jump in. And what's going to happen to the home values once everybody jumps in, well, they're going to go up. You want to jump in when everybody is not jumping in, and when you can get an amazing deal on these interest rates thanks to the builder buying down your interest rate. So this is a GRE special you can't get these deals. I challenge our followers to go on the internet and try to find better incentives or deals. And what you're going to see on this webinar, on this online, live special event. So gre webinars.com you can join me as well as our special guest. He heads up the builder. His name is Jim. He's going to be on with me. And please join us at grewebinars.com sign up for this free and live online special event.   Keith Weinhold  41:20   These are some great points. There's a lot of anticipation for Thursday, Naresh. We'll see you then.   Naresh Vissa  41:25   Thanks, Keith.   Keith Weinhold  41:32   Oh yeah, a first person account on Florida life and opportunity from our own Naresh nationally, the build to rent model that has been a real success, building single family rentals with the intent that they are rentals. From day one, over 321,000 homes have been built specifically as rentals this way since 2012, and more than three quarters of those in just the last five years. So the build to rent trend is picking up steam. About 1/3 of Americans rent their home, and although the word rental for some people that still conjures up visions of high rises packed with apartments, but a growing number of today's rentals are these freestanding, single family homes and duplexes like we're talking about today, nestled in suburban communities with top notch schools, and that's why a growing number of mom and pop investors have hopped on the build to rent bandwagon. They take less maintenance. It attracts quality tenants who stay longer, and the rentals have changed, but so had the renters. 20 years ago, it felt like tenants had to rent, like they had no choice. Today, you've got more and more tenants that choose to rent. Many of them make 100k to 125k or more. Today, rentals are cheaper than owning for those people, and they're less of a headache. A lot of them don't want to fix things, and you as the owner, don't want to either. That's why new build is attractive. Then, you know, I just sent that great map to our newsletter subscribers about which states saw the most population gain from 2020 to today, the South had more population growth than every other US region combined, which is jaw dropping and within the South, the state with the most population growth since 2020 is Florida, with An 8.9% population gain in that span, narrowly beating out Texas and South Carolina. By the way, even if it weren't for the attractive builder interest rate near 4% these Sunshine State deals could still make sense. New build single family rentals from the 270s new build duplexes, 395 to 420k low insurance rates, positive cash flow, a builder warranty. And it's really even better than that. These properties are centered on Ocala, Florida, which received national recognition as the fastest growing city for this second year in a row. That's according to a U haul report, and Florida is the epitome of investor friendly. Florida is the first state to enact a law allowing law enforcement to immediately remove squatters. It distinguishes them from legal tenants. You might come to the webinar event, perhaps thinking about 80k or 500k that you want to allocate toward property or maybe nothing and you just want to learn at the event you will evaluate realistic opportunities learn how property management is handled, and understand how today's inventory fits into your disciplined, long term strategy that all takes place on. On Thursday the 19th at 8pm Eastern. It's our biggest event of the year, and it is called Why Central Florida is the year's most compelling housing market. One last time for Thursday, it is gre webinars.com, until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  45:20   You 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  45:52   The preceding program was brought to you by your home for wealth building get richeducation.com  

This week Topher and Jeff talk with Zechariah Thomas, CEO and founder of Swift Hockey. Swift Hockey is the fastest growing stick brand in the ice hockey world and their mission is to increase affordability and accessibility in our sport. In this episode we talk about: — How Swift Hockey started and their mission in making hockey more affordable — Being a first generation hockey player and navigating the hockey world — The importance of volume and repetition when you practice — What it's like competing against the biggest hockey gear companies AND SO MUCH MORE! Thank you to our title sponsor IceHockeySystems.com, as well as Train-Heroic, Helios Hockey, and Crossbar! And thank you to our AMAZING LISTENERS; We appreciate every listen, download, comment, rating, and share on your social sites! JOIN HTTU TODAY! HTT MERCH SWIFT HOCKEY STICKS Follow us: IG: @HockeyThinkTank X (Twitter): @HockeyThinkTank TikTok: @HockeyThinkTank Facebook: TheHockeyThinkTank Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.