Podcasts about affordable

Looking for easy & affordable alternatives to hiring a professional florist ($$$$$) to decorate your wedding reception, table centerpieces, and bouquets?   You're in the right place!  In today's show, we're going to discuss a creative variety of affordable wedding table decoration ideas.  We're also going to review some actionable tips for doing your own wedding day flower bouquets & boutonnieres. It'll take a little extra work on your part, and you may need to simplify things a bit ... but if you're looking for a spot to save a ton of money, creating table centerpieces & bouquets on your own is a great place to start! Enjoy my top tips for incorporating flowers into your table decor, and we also cover beautiful centerpiece ideas that incorporate creative materials OTHER than flowers.  We wrap up with some specific examples of complete table set up's that you can do for less than $10 per table. Wedding Flowers & Alternatives Pinterest Board is here Wedding Planning Podcast DIY Pinterest Board is here   Full blog post for today's show: www.weddingplanningpodcast.co/centerpiece Enjoy early access to ad-free episodes each week when you subscribe to WEDDING PLANNING PODCAST PREMIUM in Apple Podcasts.  

In this episode of The Determined Society, host Shawn French sits down with entrepreneur and wellness advocate Jerome, whose life story is a raw testament to trauma, resilience, and the determination to build something better for the next generation.What begins as a conversation about childhood adversity becomes a shocking revelation:Jerome discovered that he was likely a surviving twin, the result of selective abortion practices in 1970s France. That discovery unraveled decades of unexplained psychological pain, complex PTSD, and emotional disconnection. For the first time publicly, he opens up about prenatal trauma, childhood neglect, and the generational patterns he is determined to break as a father of three young girls. Key Takeaways:-Trauma isn't just emotional, prenatal and childhood trauma shape the brain, identity, and adulthood.-Breaking generational cycles requires intentionality, vulnerability, and emotional honesty.-Children don't need perfect parents, they need present, loving, apologetic, humble ones.-Determination is built in moments where your instinct is to react, but you choose to respond with love.-Mental health struggles are not weakness; silence is. Talking about it is the first step to freedom-Affordable healthcare is possible, removing middlemen makes life-saving medication accessible for families in need. Connect with me :https://link.me/theshawnfrench?fbclid=PAZXh0bgNhZW0CMTEAAaY2s9TipS1cPaEZZ9h692pnV-rlsO-lzvK6LSFGtkKZ53WvtCAYTKY7lmQ_aem_OY08g381oa759QqTr7iPGAJerome Knyszewskihttps://www.instagram.com/jeromeknyszewski/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

"Home Exchange in France: Real Experiences & Secrets to Affordable Travel" – Ever wish you could explore France without breaking the bank? In this episode of Join Us in France, host Annie Sargent talks with Mali Arnstad, a home exchange expert with 14 years of experience swapping homes across France and beyond. Together, they reveal how you can travel for free—yes, free—by staying in local homes, borrowing cars, and even pet-sitting. This isn't just theory; it's packed with real stories, practical tips, and a few surprises from Annie's own recent home exchange adventures in Poitiers, Rouen, Paris, and Vichy. Listen to this episode ad-free Mali Arnstad, a mom of three from Norway, shares how her family has swapped homes in Brittany, Paris, Bordeaux, and the sun-soaked Atlantic coast. She breaks down the two main types of exchanges: simultaneous swaps (you stay in their home while they stay in yours) and the guest points system (earn credits by hosting others). Annie adds her fresh perspective after testing it herself—some stays were fantastic, others… well, let's just say she learned the hard way why you should always check the amenities. (Spoiler: One Parisian apartment had a "no washing machine" rule that wasn't in the listing!) You'll discover how to find trustworthy swaps, what to expect when staying in someone else's home, and why this is the ultimate way to experience France like a local. Mali's hosts have sent her to hidden beaches, night picnics by Roman bridges, and flea markets only locals know about.  Want to save thousands on accommodation? Mali explains how to list your home, what to include in your profile, and how to avoid common pitfalls. Annie's tip? Expand your search beyond big cities. Some of the best swaps are in smaller towns or departments like Vienne (for Poitiers) or Allier (for Vichy). And yes, you can even swap cars! Mali's family has driven French cars through Brittany and parked in private driveways in Montpellier. This episode is your guide to traveling France smarter, deeper, and cheaper. Whether you're a solo traveler, a family, or a retiree, home exchange could be your ticket to unforgettable trips. So if you've ever dreamed of sipping wine on a Parisian balcony or biking to Les Dunes du Pilat—without the hotel bill—this is for you. Hit subscribe on your favorite podcast app so you never miss an episode of Join Us in France. Ready to swap? Start listening now.

For years, solar power at home was mostly limited to people who owned their rooftops and could afford the steep upfront costs. But now, a new generation of small, affordable systems — often called “plug-in” solar — are making clean energy more accessible. Already widespread in Germany, the movement is gaining momentum in the United States. Laura Klivans of PBS member station KQED reports. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

In this episode of the Hunting Gear podcast, host Dan Johnson speaks with Brian Malone, the general manager of Pradco's outdoor products division. They discuss the various brands under Pradco, including Summit, Moultrie, and Whitetail Institute, and delve into the importance of product development, consumer solutions, and the significance of comfort in hunting gear. The conversation also covers Christmas gift ideas for hunters, affordable accessories, and the role of food plots and minerals in deer hunting. Brian shares insights on the hunting industry and the evolution of brands like Night and Hail, as well as the Max Tuff line for hobby farmers. The episode concludes with a discussion on new product launches and the importance of planning for the upcoming hunting season. Takeaways: Brian Malone is the general manager for Pradco's outdoor products division. Pradco manages several hunting brands, including Summit and Moultrie. Maintaining brand identity is crucial for product success. Product development focuses on solving consumer problems. Comfort in hunting gear can significantly enhance the experience. Christmas is a great time to consider hunting-related gifts. Affordable accessories can make excellent gifts for hunters. Food plots and minerals are essential for deer nutrition. The Night and Hail brand is being revitalized with new products. Max Tuff focuses on solutions for hobby farmers. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Hunting Gear podcast, host Dan Johnson speaks with Brian Malone, the general manager of Pradco's outdoor products division. They discuss the various brands under Pradco, including Summit, Moultrie, and Whitetail Institute, and delve into the importance of product development, consumer solutions, and the significance of comfort in hunting gear. The conversation also covers Christmas gift ideas for hunters, affordable accessories, and the role of food plots and minerals in deer hunting. Brian shares insights on the hunting industry and the evolution of brands like Night and Hail, as well as the Max Tuff line for hobby farmers. The episode concludes with a discussion on new product launches and the importance of planning for the upcoming hunting season.Takeaways:Brian Malone is the general manager for Pradco's outdoor products division.Pradco manages several hunting brands, including Summit and Moultrie.Maintaining brand identity is crucial for product success.Product development focuses on solving consumer problems.Comfort in hunting gear can significantly enhance the experience.Christmas is a great time to consider hunting-related gifts.Affordable accessories can make excellent gifts for hunters.Food plots and minerals are essential for deer nutrition.The Night and Hail brand is being revitalized with new products.Max Tuff focuses on solutions for hobby farmers. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of the Hunting Gear podcast, host Dan Johnson speaks with Brian Malone, the general manager of Pradco's outdoor products division. They discuss the various brands under Pradco, including Summit, Moultrie, and Whitetail Institute, and delve into the importance of product development, consumer solutions, and the significance of comfort in hunting gear. The conversation also covers Christmas gift ideas for hunters, affordable accessories, and the role of food plots and minerals in deer hunting. Brian shares insights on the hunting industry and the evolution of brands like Night and Hail, as well as the Max Tuff line for hobby farmers. The episode concludes with a discussion on new product launches and the importance of planning for the upcoming hunting season. Takeaways: Brian Malone is the general manager for Pradco's outdoor products division. Pradco manages several hunting brands, including Summit and Moultrie. Maintaining brand identity is crucial for product success. Product development focuses on solving consumer problems. Comfort in hunting gear can significantly enhance the experience. Christmas is a great time to consider hunting-related gifts. Affordable accessories can make excellent gifts for hunters. Food plots and minerals are essential for deer nutrition. The Night and Hail brand is being revitalized with new products. Max Tuff focuses on solutions for hobby farmers. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, we're talking about Mayor Keith Wilson declaring victory on reaching a pivotal goal in his plan to end unsheltered homelessness, and his pick for the new city administrator. Plus, why is Portland's housing authority currently sitting on nearly a thousand empty affordable apartments? Joining host Claudia Meza on this week's Friday news roundup are Willamette Week City Hall reporter Sophie Peel and our very own executive producer, John Notarianni. Discussed in Today's Episode: Portland Mayor Declares Victory On Homeless Shelter Bed Goal [The Oregonian] Portland's Housing Authority Sits On 955 Empty Apartments [Willamette Week] Mayor Wilson Nominates New City Administrator [Portland Mercury] Become a member of City Cast Portland today! Get all the details and sign up here.  Who would you like to hear on City Cast Portland? Shoot us an email at portland@citycast.fm, or leave us a voicemail at 503-208-5448. Want more Portland news? Then make sure to sign up for our morning newsletter, Hey Portland, and be sure to follow us on Instagram.  Looking to advertise on City Cast Portland? Check out our options for podcast and newsletter ads at citycast.fm/advertise. Learn more about the sponsors of this December 5th episode: Ace Handyman OMSI YMCA of the Columbia-Willamette

We discuss the latest shocking affront to basic human decency by the Trump Regime, starving food insecure American families by cutting off SNAP to states that have not shared the private personal data of recipients with the regime's security forces. Governor Evers and Attorney General Kaul are right to tell Trump to pound sand. Will the federal courts or Congress stop them from triggering a hunger crisis in the U.S.? We review a fascinating discussion earlier this week at a U.S. Senate panel which began as a discussion of extending ACA tax subsidies but evolved into a broader bi-partisan discussion of the broken and unaffordable healthcare system. Senators Bernie Sanders and Tammy Baldwin point out there is a consensus the system needs fundamental reform. We dig into the details and its implications for progressives and healthcare reform advocates. We are joined by State Representative Darrin Madison to discuss the 2% of income utility rate cap bill. The legislation is still seeking co-sponsors until Monday December 8th. We urge our listeners to call their legislators today and email them by following this link. We look at how this bill connects to the current data center explosion, and the increasingly vehement and bipartisan protests, which are being ignored by most politicians.

Market update for December 5, 2025Follow us on Instagram (@TheRundownDaily) for bonus content and instant reactions.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

The Joe Piscopo Show 12-4-25 38:09- Chris Swecker, attorney who served as assistant director of the FBI for the Criminal Investigative Division from 2004 to 2006 Topic: Pakistani immigrant arrested in Delaware with mass shooting plans 50:51- Col. Jack Jacobs, a retired colonel in the United States Army and a Medal of Honor recipient for his actions during the Vietnam WarTopic: Drug boat strike, Putin peace talks 1:27:05- Assemblyman Dov Hikind, former New York State Assemblyman and the son of holocaust survivorsTopic: New Bill proposing a 25-foot buffer zone for protests at houses of worship 1:33:45- Greg Floyd, President of Teamsters Local 237 and the host of "Reaching Out with Gregory Floyd," Saturdays at 2:30 pm on AM 970 The Answer Topic: New mayoral administration 1:48:40- Gregg Jarrett, Legal and political analyst for Fox News Channel and the author of "The Trial Of The Century" Topic: Trump pardoning Democratic Rep. Henry Cuellar, autopen pardons by Biden, other legal and political news of the day 2:04:45- Marc Morano, Former Senior Staff Member of the Senate Environment & Public Works Committee, publisher of ClimateDepot.com, and the author of "The Great Reset: Global Elites and the Permanent Lockdown" Topic: Trump administration's energy agenda hailed for crucial wins 2:12:31- Andrew Pollack, the father of Parkland, FL school shooting victim Meadow Pollack and the author of "Why Meadow Died" Topic: Shooting on University of Delaware campus thwartedSee omnystudio.com/listener for privacy information.

In this conversation, Sam Datta discusses the current state of the real estate market, particularly focusing on multifamily investments and the importance of community impact. He shares insights on navigating market dynamics, the significance of local relationships, and strategies for successful property management and renovation. Sam emphasizes the need for investors to look beyond major cities for better opportunities and the value of understanding local market conditions.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

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Affordable housing is a hot mess, and Eric G is here to spill the tea on why that is. With nearly 1,900 affordable units sitting empty in the Portland metro area, we've got to ask: What's the city doing about it? Spoiler alert: Not much! Eric dives into this absurdity and how the local government might as well be running the DMV when it comes to getting people into homes. Oh, and if you thought your biggest worry was a leaky crawlspace, think again—how about a bear crashing your pad? Yeah, that's a thing now. Buckle up, folks, because we're tackling these wild updates and some recalls you definitely don't want to miss, all while trying not to lose our minds over the state of housing.Affordable housing is like the Holy Grail of urban living – everyone's hunting for it, but when you finally find it, you realize it's just a mirage. Eric G dives into this conundrum in our latest weekday update, where he serves up a heaping dose of sarcasm along with a side of reality check. It turns out that while cities are clamoring for more affordable housing, they're also sitting on a pile of vacant units that are gathering dust like that treadmill in the corner of your living room. With nearly 1,900 affordable housing units just chilling in the Portland metro area, Eric raises the question: do we really need more units or should we first figure out how to get people into the ones we already have? Spoiler alert: it's probably the latter. The government's slow-moving machinery seems to be failing at filling these units, and Eric's got the receipts to back it up. He paints a picture of the bureaucratic nightmare that is the application process, which makes you question if they're actually trying to help or just giving you the runaround. Tune in as Eric challenges local governments to get their act together and stop building more when they can't even fill what's already there – because, really, who needs a new shiny building when the ones we have are just sitting empty?Takeaways: In Portland, there are currently 1,900 vacant affordable housing units, highlighting a significant inefficiency in local housing policies. The government's slow process for getting people into affordable housing is reminiscent of waiting in line at the DMV, which is just a special kind of torture. Recent recalls include various baby products and Spartan mowers due to safety hazards, so check your gear before it checks you. Imagine discovering a bear living in your crawlspace—because why not add some wildlife drama to your home maintenance woes? As cities push for more affordable housing, we need to ask how effective their systems really are at filling those units, instead of just piling on more empty buildings. If you have a Walmart Ozark Trail camping stove, it might just decide to explode one day, so maybe stick to cold sandwiches instead. Links referenced in this episode:aroundthehouseonline.comcpsc.govyoutube.com/aroundthehousewithericgCompanies mentioned in this episode: Apartments.com Spartan Walmart Ozark Trail To get your questions answered by Eric G give us a call in the studio at 833-239-4144 24/7 and Eric G will get back to you and answer your question and you might end up in a future episode of Around the House. Thanks for listening to Around the house if you want to hear more please subscribe so you get notified of the latest episode as it posts at

We begin with a sober analysis of where Republican electoral prospects stand one year past the presidential election. Republicans are facing a nightmare much worse than Democrats ever faced when they were in power because we are suffering the worst of all worlds with the affordability crisis and Trump fatigue. Next, we're joined by macro economist and portfolio manager Craig Shapiro for a deep dive into the predominant factors causing the generational cost-of-living crisis. Shapiro believes that the only way to bring pricing down is to actually allow for the economy to slow organically and reset. The problem is that our government continues to pump up assets and push more debt, more special treatment that spawns more private debt to keep consumers on the hook for higher pricing. Meanwhile, the government is also putting all of its eggs into this AI data-center moon shot. Not only is this a risky policy, but it will basically drive people into electing more socialists like Mamdani. If we don't present a more authentic version of capitalism, voters will turn to dark forces in their intensifying desperation.    Learn more about your ad choices. Visit megaphone.fm/adchoices

The conversation focuses on innovative legislative proposals aimed at addressing the housing crisis in the United States. The discussion highlights the Make Housing Affordable and Defend Democracy Act, which seeks to redirect funds from immigration enforcement to housing initiatives, including down payment assistance and rent relief. Rep. Gomez emphasizes the urgency of the housing issue and presents a vision for building affordable starter homes to alleviate the housing shortage.

Today on Credit Union Conversations, Mark Ritter sits down with Bryan Doxford of Grow America to discuss innovative approaches to supporting small businesses, affordable housing, and underserved communities. Bryan shares insights into the mission-driven work of Grow America, including its role in providing capital through SBA loans, new market tax credits, and low-income housing initiatives. Bryan highlights how Grow America partners with credit unions, CDFIs, and community organizations to bridge funding gaps, offer economic development training, and help businesses access the capital they need to thrive.They also delve into the current state of Certified Development Financial Institutions (CDFIs), exploring trends in consolidation, grant reliance, and self-sufficiency. Bryan underscores the importance of collaboration, both between mission-aligned organizations and with credit unions, to maximize impact in underserved communities. From small business lending to affordable housing and workforce development, this episode provides actionable insights for credit unions and community-focused organizations seeking to expand their impact.What You Will Learn in This Episode: ✅How Grow America (formerly NDC) drives community impact✅The evolving landscape of CDFIs✅The national housing shortage & affordability crisis✅How credit unions and CDFIs can partner for greater impactSubscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today. TIMESTAMPS: 00:00 Introduction01:00 Bryan Doxford's career journey: from credit unions to SBA lending07:00 About Grow America's mission and programs09:00 Explanation of new market tax credits11:00 Current state and future of CDFIs17:100 Affordable housing initiatives and impact21:00 Training programs and community partnerships24:00 Access to capital and client community examples25:00 How credit unions can collaborate with Grow AmericaKEY TAKEAWAYS:

Affordable housing is no longer a coastal issue or a niche policy topic. It touches every community, every income bracket, and every generation. In this episode of ChangeMakers, Katie Goar speaks with Dennis Shea, Executive Director of the J. Ronald Terwilliger Center for Housing Policy, about why housing affordability has shifted from a “silent crisis” to a national priority. Dennis shares how growing up in a modest New York City home shaped his understanding of place, stability, and opportunity. He breaks down the data connecting housing to health, academic success, labor mobility, and economic growth. He also explains why bipartisan momentum is finally emerging, from federal legislation like the Road to Housing Act, to state-level zoning reforms, to employers stepping in to support their workforce. Katie and Dennis dig into the most promising ideas on the table, including supply expansion, preservation of existing homes, voucher improvements, zoning updates, and targeted deregulation. They also talk about what real collaboration looks like at the local level and how communities can build common ground when resistance to new housing arises. If you care about the future of affordable housing, workforce mobility, or community development, this conversation gives you a clear and hopeful view of where progress is happening now.

Despite interest rates stabilising, rental stress remains unchanged across Australia. - Bagaman mas stable na ang interest rates, nanatili ang rental stress sa Australia.

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Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 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 or text 'GRE' to 66866 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, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   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   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   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  26:18   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 pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   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  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

To watch a video version of this podcast, click here: https://youtu.be/MpJELehhLbcIn this episode of the Structure Talk podcast, hosts Reuben Saltzman and Tessa Murry sit down with Rob Howard, founder of Howard Building Science, to explore how he's tackling one of the biggest challenges in housing today: building affordable, high-performance homes. Rob shares his journey from Habitat for Humanity to creating Duke Street Cottages, a pocket neighborhood in North Carolina designed for community, energy efficiency, and resilience.Here's the link to Inspector Empire Builder: https://www.iebcoaching.com/events You can check Rob's website here: https://howardbuildingscience.com/TakeawaysBuilding code is the baseline, not the finish line.Pocket neighborhoods foster community and affordability.SIP panels and modular construction reduce waste and speed up builds.Zero-energy-ready homes require airtight envelopes and efficient systems.Maintenance plans in HOA dues simplify homeowner responsibilities.Financing options like on-bill programs can make upgrades attainable.Skilled labor shortages are driving innovation in factory-built housing.Monitoring humidity and ventilation is key to healthy homes.Modular homes can achieve near-SIPs performance with customization.Affordability starts with design choices and community planning.Chapters00:00 – Introduction and Sponsors01:14 – Shoutout to IEB Coaching02:07 – Meet Rob Howard: Builder & Innovator04:43 – From Habitat for Humanity to Howard Building Science07:34 – Why Energy Audits Are a Hard Sell14:03 – Duke Street Cottages: Pocket Neighborhood Concept18:35 – Affordability and Price Points21:26 – Building Zero-Energy-Ready Homes24:34 – SIP Panels vs. Modular Construction31:00 – Ventilation, Humidity, and ERVs36:56 – Tackling Skilled Labor Shortages40:35 – Modular Factory Advantages44:20 – Performance Trade-Offs in Modular Homes47:22 – Lessons Learned and Developer Interest49:14 – How to Connect with Rob Howard50:38 – Wrap-Up and Listener Call-Out

Headlines love to say real estate has never been less affordable — but is that actually true?In this episode of the Not Your Average Investor Show, JWB Co-Founder Gregg Cohen and host Pablo Gonzalez take a look back in time to compare housing affordability in 1982 vs. 2025 and the results might surprise you.They'll unpack:- Why 1982 was actually less affordable than today - even with lower home prices- How interest rates, incomes, and homeownership are actually creating a good buying opportunity right now- What this history lesson reveals about investor psychology and opportunityIf you've ever wondered whether today's market is “too expensive” to invest, this episode will change how you see affordability and remind you why time in the market still wins every time.Listen NOW!Chapters:00:00 Introduction and Opening Remarks01:33 Breaking News and Upcoming Events03:24 Celebrating JWB's Top Workplace Award07:15 Historical Housing Affordability Analysis12:37 Comparing 1982 and 2025 Housing Markets15:33 Investment Insights and Market Predictions27:20 Gold Standard and Real Estate Value31:53 Gold and Real Estate Trends in the Early 2000s32:29 The 2006 Housing Market Crash33:32 The 2012 Housing Market Recovery34:01 COVID-19 and Modern Housing Market Trends35:26 Gold as an Indicator for Real Estate44:03 The Impact of Long-Term Mortgages48:34 Thanksgiving Plans and ReflectionsStay connected to us! Join our real estate investor community LIVE: https://jwbrealestatecapital.com/nyai/Schedule a Turnkey strategy call: https://jwbrealestatecapital.com/turnkey/ *Get social with us:*Subscribe to our channel  @notyouraverageinvestor  Subscribe to  @JWBRealEstateCompanies  

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-good-morning-portugal-podcast-with-carl-munson--2903992/support.Need help in Portugal? Contact Carl by phone/WhatsApp on (00 351) 913 590 303, email carl@carlmunson.com or join the Portugal Club community here - www.theportugalclub.com

How AI Is Democratizing Patent Protection: Insights from Ophir Katzir, Co-Founder & CEO of senseIPIn this episode of The Thoughtful Entrepreneur, host Josh Elledge sits down with Ophir Katzir, Co-Founder and CEO of senseIP, to explore how artificial intelligence is transforming the world of intellectual property (IP) and patent protection. With a background spanning volunteer firefighting, inventing, and startup leadership, Ophir brings a rare blend of resilience, technical expertise, and mission-driven innovation. This conversation offers a practical roadmap for inventors, founders, and enterprises ready to protect their ideas faster, more affordably, and more confidently using AI.How AI Is Reshaping Patent Protection for InnovatorsOphir begins by drawing parallels between firefighting and startups—two environments that demand calm decision-making under pressure, adaptability, and teamwork. Those same principles fuel senseIP's mission: breaking down traditional barriers in the patent system that have historically favored well-funded companies over individual inventors and early-stage founders.He explains why the legacy patent process is so intimidating: high attorney fees, complex legal language, lengthy timelines, and unpredictable costs tied to office actions. These hurdles often discourage innovators from filing at all. senseIP's AI-driven platform, guided by its conversational agent Leo, changes that. Inventors can start with a single sentence and receive instant clarity on patentability, prior art, freedom to operate, and whether their idea is truly novel.Finally, Ophir outlines how AI enables faster, more precise filings—along with ongoing support. From one-click provisional applications to automated handling of office actions, senseIP helps innovators protect their intellectual property without surprise bills or legal confusion. This shift democratizes access to patents and gives businesses of all sizes a smarter, more scalable way to manage their IP portfolios.About Ophir KatzirOphir Katzir is the Co-Founder and CEO of senseIP, a serial inventor, and a former volunteer firefighter whose resilience and problem-solving approach shape his leadership style. Passionate about democratizing innovation, Ophir blends deep technical expertise with a mission to make patent protection accessible, affordable, and transparent for everyone.Connect with Ophir on LinkedIn.About senseIPsenseIP is an AI-powered patent platform designed to simplify intellectual property protection for inventors, startups, and enterprises. Using conversational intelligence, automated prior art searches, and one-click provisional filing, senseIP removes cost and complexity while providing transparent, all-inclusive IP support.Links Mentioned in This EpisodesenseIP WebsiteOphir Katzir on LinkedInKey Episode Highlights:How firefighting shaped Ophir's resilience and decision-making in startupsThe high cost, complexity, and unpredictability of traditional patent filingsHow senseIP's AI agent Leo simplifies patentability assessment and filingThe importance of early IP protection in an era of rapid AI-driven innovationPractical steps for inventors to validate, refine, and secure their ideas with...

Luxurious and eco-friendly, waterfront tiny homes promise profitable investments in 2025—are you ready to explore the possibilities?See full article: https://www.unitedstatesrealestateinvestor.com/waterfront-tiny-homes-profitable-strategy-affordable-luxury/—Ready to kill the rat race?Listen, if you're sick of watching other people get rich while you keep grinding for scraps, this is your wake-up call.Right now, everyday people, not Wall Street, not billionaires, not trust-fund babies, are buying property, collecting rent, and stacking cash while you're stuck refreshing your bank app.You can keep working for money, or you can make money work for you.This free ⁠"Beginner's Guide to Real Estate Investing in 2025" will show you exactly how to start, even if you're broke, busy, or scared to death of losing a dime.It's short. It's simple. It's real.Go grab your copy right now before you talk yourself out of it. Start learning how real Americans are building wealth while everyone else keeps punching the clock.Download now: https://www.unitedstatesrealestateinvestor.com/freeguide/—Helping you learn how to achieve financial freedom through real estate investing. https://www.unitedstatesrealestateinvestor.com/

This week, Chris sits down with James to discuss the value in a $4 cigar versus a $30 cigar. Let us know your thoughts in the comments.

Betsy Helmuth shares details on Uploft's premium membership, recaps a team reunion in NYC, and announces new hiring opportunities. She also answers listener questions about family room design and window coverings. Timestamps: 0:00 Premium membership details 1:31 Uploft team reunion in New York City 2:01 Photoshoot experience and challenges 6:25 Digging into the mailbag 6:54 Megan's family room design question 15:36 Hannah's window coverings and stools question - You can achieve a luxe look in your space without spending a fortune by strategically incorporating taller pieces and undulation to create visual interest. - For a cozy English country style, consider mounting a TV above the chair rail and incorporating tall bookcases to balance the height in your room. - Affordable and stylish bar stools and dining chairs can be found at Grandin Road, which offers a range of options that can complement a transitional farmhouse aesthetic. Links: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Uploft.com⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠AffordableInteriorDesign.com⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Submit your design questions⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to be featured on the show ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Become a Premium Member⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and access the bonus episodes Click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to become an interior designer with Uploft's Interior Design Academy. Get Betsy's book: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠betsyhelmuth.com/book⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠For more about our residential interior design services, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ModernInteriorDesign.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For our commercial interior design services, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠OfficeInteriorDesign.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Us: Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@uploftinteriordesign⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠facebook.com/UploftIntDes⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@uploftinteriordesign⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠linkedin.com/company/uploft-interior-design⁠⁠⁠⁠ If you enjoy the show, please spread the word and leave a review on iTunes! Learn more about your ad choices. Visit podcastchoices.com/adchoices

A recent report has highlighted the growing rental stress in Perth. Declining affordability, fierce competition for homes, and rapidly rising rents characterise the current market. Despite interest rates stabilising, rental pressure across Australia has not eased, with households in many cities spending nearly a third of their income on rent. Affordability has dropped another 4% from last year's record low.

President Trump inherited a mess, it will take time but he is doing everything he can to make American life affordable again. Joe Biden decimated our economy with an open border, subsidizing illegals and failed policies all around. Republicans biggest messaging fail in the last election was the issue of affordability. In New York, Zohran Mamdani was hammering away at this message to New Yorkers. The Trump administration has had many successes so far, and needs to connect the dots on how foreign investments, domestic manufacturing and cost of goods will directly benefit Americans. Republicans need to recalibrate their messaging before midterms or Democrats will impeach President Trump as soon as they have a majority. Victor Davis Hanson is here to unpack it all. Featuring: Victor Davis Hanson Senior Fellow | The Hoover Institute Classics and military historian Blade of Perseus | Substack https://victorhanson.com/ Today's show is sponsored by: Masa Chips You're probably watching the Sean Spicer Show right now and thinking “hmm, I wish I had something healthy and satisfying to snack on…” Well Masa Chips are exactly what you are looking for. Big corporations use cheap nasty seed oils that can cause inflammation and health issues. Masa cut out all the bad stuff and created a tortilla chip with just 3 ingredients: organic nixtamalized corn, sea salt, and 100 percent grass-fed beef tallow. Snacking on MASA chips feels different—you feel satisfied, light, and energetic, with no crash, bloat, or sluggishness. So head to https://MASAChips.com/SEAN to get 25% off your first order. Delta Rescue Delta Rescue is one the largest no-kill animal sanctuaries. Leo Grillo is on a mission to help all abandoned, malnourished, hurt or suffering animals. He relies solely on contributions from people like you and me. If you want to help Leo to continue his mission of running one of the best care-for-life animal sanctuaries in the country please visit Delta Rescue at: https://deltarescue.org/ ------------------------------------------------------------- 1️⃣ Subscribe and ring the bell for new videos: https://youtube.com/seanmspicer?sub_confirmation=1 2️⃣ Become a part of The Sean Spicer Show community: https://www.seanspicer.com/ 3️⃣ Listen to the full audio show on all platforms: Apple Podcasts: https://podcasts.apple.com/us/podcast/the-sean-spicer-show/id1701280578 Spotify: https://open.spotify.com/show/32od2cKHBAjhMBd9XntcUd iHeart: https://www.iheart.com/podcast/269-the-sean-spicer-show-120471641/ 4️⃣ Stay in touch with Sean on social media: Facebook: https://facebook.com/seanmspicer Twitter: https://twitter.com/seanspicer Instagram: https://instagram.com/seanmspicer/ 5️⃣ Follow The Sean Spicer Show on social media: Facebook: https://facebook.com/seanspicershow Twitter: https://twitter.com/seanspicershow Instagram: https://instagram.com/seanspicershow Learn more about your ad choices. Visit megaphone.fm/adchoices

Newport Beach voters will decide whether or not to allow for far fewer homes to be built. SEIU California president David Huerta has been arraigned on charges of obstructing an ICE operation. Where you can soon find fast and affordable internet in L.A. County. Plus, more from Evening Edition. Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.comThis LAist podcast is supported by Amazon Autos. Buying a car used to be a whole day affair. Now, at Amazon Autos, you can shop for a new, used, or certified pre-owned car whenever, wherever. You can browse hundreds of vehicles from top local dealers, all in one place. Amazon.com/autosVisit www.preppi.com/LAist to receive a FREE Preppi Emergency Kit (with any purchase over $100) and be prepared for the next wildfire, earthquake or emergency! Support the show: https://laist.com

We lead-off with Milwaukee Area Labor Council President Pam Fendt to discuss a successful organizing campaign by union workers at the City of Milwaukee to win a Common Council vote to override the Mayor's budget vetoes, including his effort to scale backe to pay increases for city employees who live in Milwaukee. We connect this worker-led union effort to the possibility of the 2026 state elections leading to a Democratic trifecta which could set the stage to overturn Act 10 and other anti-worker policies in Wisconsin. Will a new Democratic majority be ready to raise the additional revenue to make up for all the lost ground caused by Scott Walker's union busting? We update the co-sponsor count for the Utility Rate Cap bill, bringing the total of sponsors to 19. We encourage our listeners to contact your state Senators and Representatives next week before the December 5th co-sponsorship deadline. Robert updates us on the latest indications of an AI data center superpowered stock market bubble that could generate another financial meltdown, and leave Wisconsinites deal with abandoned data centers and unneeded methane gas plants. Citizen Action is an early supporter of Clean Wisconsin's petition to pause AI Data Centers until a comprehensive plan to deal with climate emissions, water, and energy costs for consumers is developed. We discuss why this is so important, especially considering the potential for a historic AI data center bubble bursting and leaving us holding the bag. Robert helps us better understand the policy question embroiling federal politics: Is Trump really trying to extend ACA subsidies as he announced this week? And will WisconsinEye halt its unique coverage of state politics on December 15th without more funds, further reducing the transparency and accountability of state government.

Thanksgiving dinner is slightly more affordable this year. The American Farm Bureau reports the average cost for a classic meal for 10 at $55.18—down 5% from 2024, thanks to cheaper turkey prices. While some sides like sweet potatoes rose, overall costs decline, offering families welcome relief. Please Like, Comment and Follow 'Broeske & Musson' on all platforms: --- The ‘Broeske & Musson Podcast’ is available on the KMJNOW app, Apple Podcasts, Spotify or wherever else you listen to podcasts. --- ‘Broeske & Musson' Weekdays 9-11 AM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Facebook | Podcast| X | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

Will 2026 healthcare costs destroy your FIRE plan? Enhanced ACA tax credits expire in 2026—meaning health insurance premiums could DOUBLE or TRIPLE overnight. This healthcare subsidy cliff threatens millions who depend on affordable marketplace coverage. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench interview Matt McGough from KFF to break down the 2026 healthcare crisis and what you can do NOW to protect your early retirement. This Episode Covers: Who gets hit hardest by 2026 healthcare premium increases Exact cost projections for early retirement health insurance in 2026 Actionable strategies to prepare NOW for rising healthcare costs Which FIRE strategies still work after ACA subsidy changes Affordable health insurance alternatives for early retirees History of ACA subsidies and why they're expiring Steps to protect your financial independence from the healthcare affordability crisis And SO much more! Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the stories from today's show in THE STACK: https://justinbarclay.comJoin Justin in the MAHA revolution - http://HealthWithJustin.comProTech Heating and Cooling - http://ProTechGR.com New gear is here! Check out the latest in the Justin Store: https://justinbarclay.com/storeKirk Elliott PHD - FREE consultation on wealth conservation - http://GoldWithJustin.comTry Cue Streaming for just $2 / day and help support the good guys https://justinbarclay.com/cueUp to 80% OFF! Use promo code JUSTIN http://MyPillow.com/JustinPatriots are making the Switch! What if we could start voting with our dollars too? http://SwitchWithJustin.com

Richard Brandweiner, Chair of Impact Investing Australia and a longtime institutional investor, joins the show to discuss the realities of impact investing at scale. He reflects on universal ownership, system-level risks, blended finance, and what it truly takes to align capital with real-world outcomes and fiduciary expectations.Richard shares lessons from leadership roles at Perpetual, Aware Super, LeapFrog, Pendal, and Regnan, and why hope isn't a strategy when designing investment frameworks meant to deliver measurable impact.A candid conversation for investors, asset owners, and practitioners who want an honest look at where sustainable finance is working, and where it isn't.—Intro (00:00)Parents' WWII survival shaped Richard's moral compass (03:54)Studied economics at the University of New South Wales (08:06)Trading shares through the 1987 market crash in high school (10:44)Career in Perpetual Investments and creating the first sustainable fund (13:15)Becoming CIO at First State Super in 2013 (17:34)Affordable housing fund idea sparked impact focus (19:34)Structural issues in asset owner systems (33:29)Transition from CIO to Leapfrog impact role (38:35)Challenges launching institutional-grade impact fund (42:04)Becoming BT CEO and integrating Regnan's early ESG legacy (43:54)At Regnan, the impact case is the investment case (48:29)Regnan's measurement approach and SDG taxonomy (54:18)Impact Investing Australia - mission and focus (58:37)Making impact the third axis in finance (01:04:55)Ethical vs ESG vs impact investing (01:09:22)How Australian Ethical outperforms with values-led investing (01:12:16)Governance for Aboriginal community investment and autonomy (01:14:00)Structural barriers to scaling impact investing globally (01:21:38)Communication and accounting gaps in environmental costs (01:32:08)Rapid-fire questions (01:35:37)Contact info (01:47:14)— Discover More from SRI360°: Explore all episodes of the SRI360° PODCAST Sign up for the free weekly email update—Additional Resources:Richard Brandweiner LinkedInImpact Investing Australia Website

Despite interest rates stabilising, rental stress remains unchanged across Australia. In many capital cities, households are still handing over almost a third of their income just to keep a roof over their heads. And once again, Perth has it the worst. The nation's least affordable capital has slipped even further — recording another four per cent drop in affordability on top of last year's record low.

In this episode, Jack and Robert are on the ground at Everything Electric Melbourne, sharing their first-hand impressions of Australia's rapidly accelerating shift to electric vehicles and clean energy. It's a super informal chat live on stage about what's happening down under—and why the progress here is giving Robert plenty of reasons to feel just a *little* jealous! They dive into: Catching Up Fast– Australia may have started its EV journey later than some countries, but it's now picking up speed fast, with cities like Brisbane leading the charge.   The Affordability Advantage – Australian buyers skipped the early, overpriced EV era. With models like the BYD Atto 3 and Dolphin arriving at genuinely affordable prices, the market is changing quicker than many expected.    Solar Superpower & V2G Potential*– With world-leading rooftop solar, running an EV in Australia is already incredibly cheap. And with vehicle-to-grid technology emerging, your future car might not just drive you—it could pay you.    EV Market Plateau & Persistent FUD – Why is national EV market share seemingly stuck around 10–11%? They discuss the influence of oil-backed pressure campaigns, myths about charging and batteries, and how media narratives slow adoption.    The Next Big Policy Debate– How should governments replace fuel tax revenue as EVs become the norm? And what lessons could Australia take from Norway's wildly successful tax incentives? 0:00 - Introduction from Everything Electric Melbourne  1:01 - An enjoyable show (squeaky bum time!)  2:03 - Observations on the Australian EV Transition  4:19 - Why Australia is moving quickly: Affordability  5:19 - The Solar Advantage & Vehicle-to-Grid (V2G)  8:50 - Jack's Verdict on Tesla Full Self-Driving (FSD)  10:33 - Q&A Begins  14:09 - Why is the EV market stuck at 10-11%?  16:16 - The importance of the Used EV Market  26:57 - The Mileage Charge/Fuel Tax Problem  31:38 - Weighing up a Weight Tax for Cars   Why not come and join us at our next Everything Electric expo: www.everythingelectric.show    Check out our sister channel: https://www.youtube.com/c/EverythingElectricShow   Support our StopBurningStuff campaign: https://www.patreon.com/STOPBurningStuff Become an Everything Electric Patreon: https://www.patreon.com/fullychargedshow Become a YouTube member: use JOIN button above Buy the Fully Charged Guide to Electric Vehicles & Clean Energy : https://buff.ly/2GybGt0 Subscribe for episode alerts and the Everything Electric newsletter: https://fullycharged.show/zap-sign-up/ Visit: https://FullyCharged.Show Find us on X: https://x.com/Everyth1ngElec Follow us on Instagram: https://instagram.com/officialeverythingelectric To partner, exhibit or sponsor at our award-winning expos email: commercial@fullycharged.show     Everything Electric SYDNEY - Sydney Olympic Park 6th, 7th & 8th March 2026  EE NORTH (Harrogate) - 8th & 9th May 2026  EE WEST (Cheltenham) - 12th & 13th June 2026  EE GREATER LONDON (Twickenham) - 11th & 12th Sept 2026

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

Affordable housing remains one of the most vexing problems in North Carolina and around the country. What's more, as we were reminded in a conversation this past week with NC Newsline poverty and housing reporter Greg Chidress, it's a challenge that's only been made worse by real and threatened federal funding cuts and the uncertainty […]

In this episode, host Zach Urness reposts his tips and tricks to finding the perfect Christmas tree in Oregon's national forests. With a $5 permit, you can travel far and wide in the national forests to find a tree to bring home — whether you live in Portland, Salem, Eugene or elsewhere. It's not always as easy as it seems, however. The podcast breaks down where to get a permit, which forest to target, what elevation to find success and other tips on exploring in the snow.

This podcast is brought to you by Outcomes Rocket, your exclusive healthcare marketing agency. Learn how to accelerate your growth by going to⁠ outcomesrocket.com The path to truly personalized, affordable medicine runs through data-driven operations, mature software, and disciplined execution. In this episode, Patrick Schinzel, Chief Operating Officer of Strive Pharmacy, shares his first-time HLTH insights and explores how Strive's nationwide compounding model delivers precision therapies with both speed and scale. He explains how a cash-pay pricing strategy broadens access, even as challenges remain for Medicaid and Medicare populations. From the operator's seat, Patrick highlights how analytics aligned clinical freedom with operational efficiency, out of 370 testosterone-boosting combinations, data revealed five consistently effective SKUs that improved delivery times, reduced costs, and enhanced outcomes without limiting physicians. He also details proactive potency testing on sterile lines to ensure efficacy, describes the shift from bespoke precision to “preferred” formulations for scalable personalization, and predicts that maturing software and robotics will soon make “lot size of one” production a reality. Tune in and discover how data, software, and intelligent operations are transforming personalized medicine into scalable, affordable care! Resources: Connect with and follow Patrick Schinzel on LinkedIn. Follow Strive Pharmacy on LinkedIn and visit their website! Email Patrick here.

This podcast is brought to you by Outcomes Rocket, your exclusive healthcare marketing agency. Learn how to accelerate your growth by going to⁠ outcomesrocket.com Health plans won't achieve affordability or scale without modern systems that administer both claims and the exploding universe of non-claim programs. In this episode, Lori Logan, President and CEO of NASCO, discusses how payers can evolve from decades-old infrastructure to a modern framework that integrates benefits, payments, and member navigation across clinical services, digital tools, and condition programs. She explains that the real friction lies in members' confusion about coverage and costs, while plans struggle to measure value and manage risk beyond traditional claims. Lori introduces an analytics-driven approach that unites claims, clinical, and engagement data with medical economics rigor to deliver timely, accurate insights to providers and advocates. She also highlights the critical investments shaping the future while sharing NASCO's vision to help health plans redefine their role and innovate at scale over the next few years. Tune in and learn how to build the operations, analytics, and partnerships that make innovation affordable at scale! Resources Connect with and follow Lori Logan on LinkedIn. Follow NASCO on LinkedIn and explore their website.

Lucky for us, there are literally endless creative ways to treat your guests to a unique food & drink experience on your wedding day.  In today's wedding planning workshop, we're going to explore exactly how to: Conceptualize & research what to serve, Smart money-saving tips that many couples miss, And even some "do it yourself" options if you're looking to get hands on - literally! Just a few of my favorite offbeat, wedding day food options: Made-to-order brick oven pizzas,  A taco truck with variety of meats, toppings and fixings,   Pre-made bento boxes,  Gourmet picnic bags,  A really unique local food truck,  Fondue style where guests simmer meats in oil and dip bread and veggies in melted cheeses.   Extensive charcuterie board table with meats, gourmet cheeses, olives, local honey, olive oil tastings, and for dinner your favorite pasta and salad served family-style. Bon apetit! Kara